Life is full of unexpected twists and turns, and no matter how hard you try, you can’t always be prepared for every monetary stumbling block that may suddenly appear in your path. Your car may break down unexpectedly, your best friend might plan a destination wedding, or your dog may fall ill because it chowed down a batch of chocolate chip cookies. Whatever the reason, suddenly you are hundreds, even thousands of dollars in debt.

So what are the best ways to deal with these financial emergencies when they suddenly crop up and threaten to undermine your happiness? Here are a few tips on things you can do when you are faced with unexpected expenses.

Assess the Expense

Is the debt you’re looking at a necessity or is it something you can do without until you have more money? For instance, you may really want a new phone because yours has a crack in the screen. Other than that, it is working fine. If you are broke, it is better to save up the money and purchase a new one later than it is to buy one now on credit and hope you can pay it off in the long run.

Find Alternative Funding

Do you have a credit card that you have been accumulating points on? Maybe you can pay for that plane trip for your best friend’s destination wedding with your points. Depending on the credit card, you may also be able to use your points to pay off part of your credit card balance or purchase gift cards that could help pay for a wedding present.

Check to See if You are Covered Under a Warranty

Don’t let broken electronics, a car, or another big-ticket item throw you in such despair that you forget to check its warranty. If an expensive item breaks within a year or two, it doesn’t hurt to check whether the item is still under warranty and, if it is, then have the manufacturer fix it for free.

Get a Secured Loan

There are times when you just need to take a secured loan out. Loans are a good way to cover a debt when you know that you will have money coming in soon that you can pay it off with, and you just need a temporary financial band-aid.

Get Rid of Unnecessary Expenses

If you really don’t go to the gym that often but have been paying a monthly membership fee, maybe it’s time to cancel this expense. Don’t forget to also look over your monthly bills to see if there are any extravagances that you really don’t need any more. Do you really watch all of those premium cable channels or have you not seen turned them on in months? What about your telephone bill? Go over that with a fine-toothed comb to make sure there aren’t any hidden fees in there that you didn’t know about or if you can reduce the number of minutes you’re paying for.

Don’t let unexpected expenses ruin your life. Many times, you will be able to find ways to offset these expenses almost painlessly and with surprisingly little effort.

Ethan Pearce is a freelance writer who blogs about the uses for secured loans. To apply for a secured loan, visit www.netloans.co.uk.

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If you own your own business, you should always be looking for ways to make it better and more profitable. A stagnating business that doesn’t change or get better will eventually fall by the wayside. Luckily, if you’re already up-and-running, have a product that sells, and have consistent costumers, improving your business can be easy. It’ll take a little bit of reflection and work, but will be worth it in the long run as your business continues to grow.

Reach out to Customers

Customers are the most important part of a business, and it’s important to keep those that purchase your product happy. Finding new buyers is great, and consistently advertising to new people is helpful, but the easiest and most profitable thing to do is keep the customers you already have. If you take care of you’re the people that buy your product and find new ways to connect to them, it will help your business exponentially because of word-of-mouth recommendations and repeat purchases.

Send your loyal customers coupons or other discounts and give them some personalized attention if at all possible. It may seem like a lot of work, but one happy consumer will bring in more and more business for you, while someone unhappy with you can quickly turn away an entire group of potential buyers. Make sure your customers are happy and ask them for their input and your business will boom.

Become More Efficient

Wasting time and money can be a drain on your business and keep it from reaching its full potential. If you can find ways to make things more efficient, you can increase your profits and make your business better able to handle new growth and change. Keep your paperwork and contacts organized for quick reference, and find ways to cut costs and extra time off of production and other tasks.
If you’re not the organized type, hire an assistant to help keep things from falling through the cracks and to keep your business moving in the right direction. Virtual assistants don’t have to cost much, but the work they do for your business can be invaluable.

Improve Your Products

If you make a better and cheaper product, you will add to your customer base and improve your per-unit profits at the same time. Go back to the drawing board with your current product and find ways to make it more useful or to update it and keep it relevant to today. Whatever your product is, you can always find at least some small changes that will make it better. As long as you connect with your customers and ensure that these are good changes to make, you will be making your customers happier with the product and will be showing them that your business is working to improve.

If you want a better-run, more efficient business, you have to reflect carefully on what product you’re making and how happy your customers are. If you can make these things better, your business can continue to grow.

Lisa Drew writes for education blogs where you can learn about getting an executive mba.

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As a safe driver, there’s no doubt that you carry the proper insurance coverage. There’s also little doubt that you rely on your insurance agent to provide for your needs and inform you of any changes to your policy. Unfortunately, not all insurance agents are as forthcoming as we would like to think that they are. Here are five things that your insurance agent won’t tell you:

1.You Qualify for Discounts

Don’t depend on your insurance agent to tell you which discounts you qualify for. Research the discounts that your insurance company offers for yourself and decide if you qualify. If there are discounts that you qualify for which you aren’t receiving, be sure to contact your agent and find out why. Common discounts include those for driving fewer miles than average, having a certain occupation, getting married, membership in a professional organization and even being a safe driver.

2.You’re Not Tied to Your Policy

You can change insurance companies whether you’ve had your current policy for a week or for several years. You are never tied to your current policy or obligated to carry it to term. Your insurance agent will never tell you this because they want your business. If you aren’t happy with your current insurance provider, you are free to switch at any time.

3.You Don’t Need the Extra Coverage

You may not need rental car coverage or towing reimbursement for your vehicle. Once your vehicle is paid off, you may not need other coverage’s that were dictated by your finance company. Don’t expect your insurance agent to tell you which coverage’s you can drop. It’s up to you to research this information and tailor your policy to fit your needs. If you’ve paid off your car or aren’t sure exactly what type of coverage you’re carrying, it’s time to revisit your policy.

4.You Can Get a Cheaper Rate

You may very well be able to get a lower rate on your car insurance with another company. It pays, literally, to get quotes from other companies at least once every six months. If you find a lower rate with another company, run with it. While it used to pay to stay with the same company for years, this is no longer the case. Don’t expect any type of loyalty discount to be heading your way from your current insurance company.

5.Starting a Claim Can Ruin Your Rate

If you are involved in a collision or your car is otherwise damaged, resist the temptation to start a claim online. Even if you don’t follow through with your claim, you’ll find that your rate is damaged when it comes time to renew your policy. If you are involved in an accident or if your car is vandalized, call and speak with your insurance agent directly. He or she can tell you if you have a claim or if it will be worth filing one after your deductible kicks in.

Remember that your insurance agent and company are out to make money. Unscrupulous agents rely on the fact that you are uninformed. If you want to receive the lowest rates possible on your auto insurance, do the research for yourself; your agent certainly isn’t going to do it for you.

Frank James writes for several insurance blogs and suggests finding cheap Pennsylvania car insurance quotes or compare Indiana auto insurance rates online.

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If you have some extra money saved up, you may be hesitant to put it in the stock market simply because you’re not sure what to do, when to buy and sell, and you could be worried about losing it. Although it might be scary at first, the stock market can be a great tool to help you increase your cash and help you reach your long-term financial goals. If you take the time to learn about the stock market and trading, you’ll be able to jump in with confidence.

Have a Diverse Portfolio

The first thing you should learn about the stock market, and any financial ventures, is to not put all your eggs in one basket. Nobody’s perfect, and sometimes things happen in the stock market that is unexpected. If you have your money spread out in different areas, you’ll be much less likely to be significantly impacted by those kinds of changes. You should have money in multiple stocks, but you probably want to split your money between stocks and bonds as well in order to keep your money as financially secure as you can while still making the high rates you can get out of the market.

If you want to put your money in lots of different companies, but don’t want to go through the work of finding them all, index funds can make it simple on you. They essentially split up your money for you and invest little bits of it into lots of different accounts, and can be quite profitable. They usually carry fees, but it can be worth the money to save the hassle and stress of figuring it all out yourself.

Stay Balanced

If you invest your money yourself, you’ll notice that over time, one stock or bond will do better than another and will become a larger percentage of your portfolio. When this happens, it’s a good idea to even things out by selling shares of the higher-performing portfolio area and put it into the lower-performing one. This is essentially a form of “buying low, selling high.” Basically, if you put your money into stocks and bonds, with 50% in each, but the bonds over-perform and increase to 60% of your portfolio, you should take enough out of bonds and put it your stocks so they get back to the 50/50 balance you started with.

Make Good Choices

Before you throw your money into the stock market, take some time to look at past returns and levels of payout versus risk so you know what you’re getting into. You may even want to take a couple of classes or put your money in with a stock broker or mutual fund if you’re very uncomfortable making the necessary decisions. Only after you’ve done the research and you know what you want should you buy shares or give your money to a company to buy for you.

Stick to Your Decisions

While it’s not good to completely ignore what’s going on with your money and just hope for the best, changing your money around constantly based on the minor fluctuations of the market will not help you, will often hurt you, and will cause undue stress. If you made smart decisions in the first place, you should only need to check on your portfolio once a month or so to rebalance as necessary and otherwise just leave it alone.

Getting into the stock market for the first time can be frightening, but if you figure out what you want, the amount of risk you’re willing to take on, and the basic workings of the stock market, you’ll find that a well-developed portfolio can lead to more wealth and the fast lane to your financial goals.

Jeannette Frost writes for several financial blogs and suggests you learn how to trade stocks online.

The post What to Know Before You Dive into the Stock Market appeared first on Insider Business Reviews.

Genesis Pure – Legit Product or Scam

Welcome to my Genesis PURE™ review! You may have bumped with someone who introduced you about the product and the business opportunity that comes with it or maybe someone who is already a Genesis PURE™ representative who is looking for more inputs about promoting the products.

Genesis PURE™ Overview

Dr. Dae Geun Jung, an expert marketer, and Dr. Lindsay Duncan, a master herbalist, established Genesis Pure in 2009. Their goal is to offer Pure variety of nutritional products that will lead to Pure lifestyle by selling their products and earn from it. The main headquarters is in Draper, Utah and have reached to several countries like Japan, Australia, South Africa and United Kingdom. To date, the company is still growing and aims to reach as many countries as possible.

The company is known with its Genesis PURE™ variety of Cleanse, Balance and Build products. They have wide variety of products to choose from according to your daily needs, health support, fitness supplements, energy products, essential oils and a lot more. But the core of the Genesis PURE™ product line are the Balance with GoYin, Cleanse with Liquid or Capsule Cleanse, and Build with Daily Build & LOVE.

Here is an overview of the Genesis Pure line of fantastic products:

Genesis PURE™ also offers opportunity to be their business partner by a program called Independent Business Owner (IBO). The company sets incentives and goals for all IBO leaders to rank their achievements. Rankings are named as Crown Diamonds, Pure Ambassador, Pure Chairman, Chairman, Pure Presidential, Presidential, Pure Blue Diamond, Blue Diamond, Pure Diamond and Diamond. The ranking is based on the Pure success of every IBO.

Is Genesis PURE™ a Scam?

If you search the internet for answers, chances are you will be directed to a number of websites that will lead you to more questions than answers. Here, we will establish our answer based on facts and real customers’ feedback.

Let’s start with the Genesis PURE™ products. The company offers a variety of products and all of these are real. In fact, when you look into an online store and check their products, you will see several reviews from people who have purchased and used their products. So, in terms of product line, Genesis PURE™ is true to their words and offers.

How about the Independent Business Owner (IBO) leader program? Honestly, I have read several feedback or reviews from former IBO’s online claiming that this business opportunity is a scam. They said to have struggled to get incentives and climbed to higher ranking. Well, while these maybe true, but the basis of calling it a scam for these reasons is wrong. Struggling to go on top and earn a huge amount in an instant is a normal thing. There’s no such thing as investing today and earn a huge amount tomorrow, without hard work. One should exert effort to achieve a goal and it needs a reasonable time to generate. On the other hand, there are a number of online reviews and testimonies that claimed to get huge incentives and climb to higher ranks. So, the IBO leader’s program of the Genesis PURE™ is a legit opportunity.

Is It Possible To Earn Money With Genesis PURE™?

Absolutely! There are real testimonies that can prove that Genesis PURE™ is feasible. You can see in their website the list of people who are ranked accordingly and have enjoyed a Pure lifestyle that the company has to offer. The question really is how dedicated you are to work on as IBO leader and the motivation you have to reach your goal.

As you can see, people who succeed in Genesis PURE™ are those who really stick with the strategies offered by the company using their support group. The company has its own plans and programs that may help their new IBO’s in achieving their goals. Those who failed are usually the ones who gave up immediately and don’t have motivation to work on the program. For instance, if you just joined the Genesis PURE™, you will be asked to write down a list of people you know and invite them for a meeting. Here, you will be supervised with a more seasoned IBO leader and can learn from how everything is done.

Without proper training and exposure to how the program works, there’s a greater chance to fail. However, with proper motivation and the right knowledge of the products, success is very achievable.

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Kyani – Legit Product or Scam

Welcome to my Kyäni review! Allow me to start with a statement that I am not, in any way, associated with Kyäni. So, you can be sure that this review is based on facts and unbiased judgment. Kyäni is a multilevel marketing business, so chances are you’re being approached by a representative to join and/or you are already in the business and would like to know more about what people has to say.

Kyäni Review: Overview

With the aging baby boomer, it is very reasonable that health-related products are in demand. This is one of the reasons that multilevel marketing companies are on the rise and continues to grow in numbers. One of the multilevel marketing companies that came out is called Kyäni.

The company started in 2005 and offered a few product lines related to health supplements, food and drinks. Since then, the company introduced four of their popular products which are the Kyäni’s Blueberry Juice, Kyani Nitro FX, Nitro Xtreme, and Kyani Sunset. These products show a lot of potential, since the company is able to hold on through the years with lots of competition in the market along its way.

Kyäni’s recent slogan is “Experience More – More Health, More Wealth, More Life”. This is really a great way to advertise the product and attract people who wanted to get more out of life. Since Kyäni is a multilevel marketing company, it is only normal for them to introduce a desirable and lucrative compensation plan. They actually boast of perpetual income and car program (Audi A4).

Is Kyäni a Scam?

Now this is the most important part of this article. We will present as much facts as possible to ensure the authenticity of this review. Let’s start with their products. Kyäni is one of the unique multilevel marketing companies that does not add up their list of products over time. Until today, Kyäni is focused only on their four products which are the Kyäni’s Blueberry Juice, Kyäni Nitro FX, Nitro Xtreme, and Kyäni Sunset. Based on reviews and feedback from people who purchased their products on popular online stores, their products are good and effective. There maybe a few complaints, but these are basically related to their prices and intake procedure. The availability of the products is absolutely excellent. Overall, in terms of product quality and effectiveness, Kyäni products serve to its full potential.

How about their compensation plan? Kyäni provides a detailed compensation plan or program to their Independent Business Owners or representatives. But the scheme is just similar, if not the same, with other multilevel marketing company – the more people you get to be in your network, the more you earn from the business. They provide a chart for all their business representatives, which serves as a guide for their compensation. So far, there are no report of unpaid representative based on the compensation package that Kyäni guaranteed. This makes Kyäni a reliable multilevel marketing company in terms of the compensation plan.

Another unique part of the Kyäni’s “More Wealth” promotion is the Car Program for their business partners. When someone climbs into a Sapphire rank, one can have the opportunity to drive his or her Audi A4 car series. This may sound like a very lucrative benefit, but they really deliver this program. However, getting into the rank of Sapphire really demands hard work. So, you have to be very good in sales.

Here is a video on the Kyani Car Program Bonus:

You have to be careful with car programs.  Make sure you know what you are getting into legally.  If you qualify for the car lease and then no longer hit qualifications, you may be stuck paying the the car yourself!

With all the discussions about the legitimacy of Kyäni as multilevel marketing company, I can say that Kyäni is not a scam!

Kyani Review: Compensation Plan

Watch this video to explore the lucrative Kyani compensation plan.

Kyani Nitro FX Review:

Kyäni Nitro FX™ Nitric Oxide has been proven in thousands of studies to boost and assist every system and each cell in the body.  The results are dramatic.

Kyani Nitro FX: Sexy Packaging

Is it a miracle product?  I don’t know, but here’s what Kyani claims it can do for you:

9 Reasons to Take Kyäni Nitro FX™

• Helps Support Proper Circulation
• Helps Reduce Inflammation
• Encourage Heart Health
• Improves Sexual Health
• Supports Cognitive Function
• Sustains the Immune System
• Promotes Nutrient Absorption
• Encourages Blood Flow
• Promotes Increased Energy

Kyäni NitroFX™ is a proprietary blend of Noni concentrate that has been proven to increase the production of Nitric Oxide (NO). Also known as “The Molecule of Life,” Nitric Oxide repairs, defends, and maintains every cell of the body. Studied extensively by researchers and physicians, Nitric Oxide has been touted as a powerful, health-promoting molecule by tens of thousands of scientific papers.

Kyäni Nitro Xtreme™ contains even more nitrate from the proprietary blend of Noni concentrate for increased Nitric Oxide (NO) production in the body. In addition, Nitro Xtreme™ contains CoQ10, Magnesium, Zinc, Chromium, and Niacin. These nutrients boost the body’s own natural production of Nitric Oxide.

Kyäni Nitro Xtreme™ is specifically designed for the most demanding parts of your day. Whether you’re an athlete, business professional, student, or busy parent, Nitro Xtreme is perfect for increased energy, physical stamina, and mental clarity.

Here’s a video that explains how Kyani Nitro FX really works:

Success in Kyäni

Success in Kyäni is not an icing on the cake. It demands hard work and marketing skills to achieve your goal in the company. It’s not like you have the money to invest and then sit down and earn a profit. Just like any other multilevel marketing  companies or any business, one must work his way to be on top and earn money. One thing that really makes it difficult for the representatives of  Kyäni to market their products and get more individuals to join is the limited products available for potential customers. With only four products throughout the years, there are only a few options to present to potential customers.

Furthermore, the success in Kyäni is primarily in the hands of every individual who joins the company. Kyäni already made sure that the products are effective and in good quality. Hence, the ball now to earn more in life, wealth, and health, is in your hands.

The post Kyani Review 2015 appeared first on Insider Business Reviews.

Welcome to my dōTERRA Earth Essence review! Just like any other health and/or business opportunity, you may have encountered a person who represents dōTERRA Earth Essence as an excellent wellness company and a business prospect as well. Perhaps, you are quite convinced with the idea and would like to know more about the company before you finally commit to invest. Well, you are on the right page.

dōTERRA Earth Essence Overview

Before we make an assessment, let’s first know the background of DoTerra Earth Essence Company. In 2008, a group of business professionals and health care experts came together to share their personal experiences with the life-enhancing benefits of essential oils. With their collective ideas, they came up with a vision of providing therapeutic-grade essential oils for everyone. It was in April of the same year that dōTERRA essential oils introduced their first product offering of 10 oil blends and 25 single oils. People started to talk about the excellent quality of dōTERRA products and the rest is history.

The development of new therapeutic-grade essential oils and oil blends evolve into more product lines like healthy living, nutritional and spa products. The company sells their products only through Wellness Advocates. These advocates work from home to educate, sell and introduce dōTERRA products in their local markets and even globally through online stores.

dōTERRA products include essential oils, namely the Single Oils, Proprietary Blends, On Guard, Deep Blue®, Breathe, and DigestZen®. The company also offers Skin Care, Hair Care, Spa, Supplements, and Weight Management products. All of these are available in several countries and online stores.

Is dōTERRA Earth Essence a Scam?

Due to recent incidents of scams with businesses like network marketing, a lot of negativity come in mind when introduce with this business opportunity. So, let’s gather all the information and establish our conclusion based on the facts about the doTERRA Earth Essence Company.

Let’s start with their products. It is safe to say that their products really work. According to the overall reviews and feedback from customers who purchased online, the dōTERRA Earth Essence products work for them according to its product endorsement. Although there are a very few customers who express their disappointment, their arguments are either too much of what the product can do and/or wrong product usage. On the other hand, word of mouth from people in the local areas where dōTERRA Earth Essence has authorized representatives makes some good impression on how well their products work. So, in this area, the dōTERRA Earth Essence is true to its products.

Now, let’s discuss about the business opportunity that dōTERRA is bragging. There are several things to look into their network marketing or the compensation plan. In their program, one can earn money through retail profit, fast start bonus, power of three bonus, unilevel organizational bonus, and pools. Well, there’s no question about the retail program. As previously discussed, the dōTERRA Earth Essence products are reliable and can be very profitable for people who are good in sales. The fast start bonus is given on a weekly basis, while the power of three bonus is on monthly. For those who have experience with network marketing, this is actually similar, if not the same, in context – the more people you bring into your network, the more bonuses you get. This goes to unilevel organizational bonus and pools as well. The dōTERRA Earth Essence has their own structure of giving these bonuses to which they are due. As to date, there are no complaints yet from any of their representatives regarding the compensation benefits. In fact, should anyone who joined the company and work hard for it, the opportunities are just limitless.

So, to answer the question if the doTERRA Earth Essence is a scam… the answer is definitely NO!

The Secret of Success in dōTERRA Earth Eessence

In any business, there is really no assurance of profit. One can just prepare for a business plan or strategy to succeed and make objectives to measure its level success. This is also true in dōTERRA Earth Essence. One can simply follow the prepared plan of business of the company and work hard to achieve his or her goal – to earn and climb to the top level. Having been in the business for quite some time and established a great reputation in terms of product quality and business opportunity, one can just aim for the best and do whatever it takes to be profitable and productive is this business venture.

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Welcome to my Morinda review! There are a lot of talks about Morinda lately. You may be curious about how reliable the news you are getting from various sources about Morinda. Well, stop the search, because you just landed on the right page. Here, you will discover if Morinda is legit or scam.

Morinda Overview

The company, Morinda, is formerly known as Tahitian Noni International. It was founded by Kelly Olsen and John Wadsworth in 1996. The company claimed that they have the answer to help people live younger, longer through their health supplement, especially their flagship product – the Tahitian Noni Juice.

With the help of clinical research, the Tahitian Noni Juice was able to prove its worth to be beneficial to enhance one’s health. The research claimed to discover Iridoids in Noni that dramatically reduce A.G.E.s (Advanced Glycation End-Products) formation and help prevent the damage a.g.e.s cause, including premature aging, illness, and disease. These claims catch the attention of health conscious people to try the Tahitian Noni Juice.

Over the years, Morinda introduced a number of health and wellness products. As the number of products increase, the company commences direct sales Multi-Level Marketing as a business opportunity. Up until today, the company is recruiting more people to enroll and be their business partner.

Is Morinda a scam?

Let’s now look into the most important details about Morinda – is it legit or a scam? Well, we have to answer this question in two categories, the legitimacy of their product claims and their Multi-Level Marketing as a business opportunity.

In terms of their products, Morinda has a number of products related to health and wellness. Although they are really known for their Tahitian Noni Juice, but then the assessment will be as a whole. So, we gather all the feedbacks from the people who are using Morinda products and the result is something that the company will be happy to hear. Overall, the satisfaction level of their consumers is above average in terms of the effectiveness of the products as advertised. We also take a look at the reviews from legitimate online stores on their registered buyers. The result is quite impressive, as the company has good reviews on their purchases. It is also worth noting that their main product, Tahitian Noni Juice, is what people seem to buy more often. All these being said about Morinda product reviews, it is safe to say that their products claim is legit!

Now, let’s see how reliable is Morinda’s Multi-Level Marketing as a business opportunity. To be able to partner with Morinda, you have to purchase their recommended starter kit that is worth around $300. This includes several product packages that can be sold at their suggested retail price. However, you can go as low as $35 to enroll and start recruiting people to come into your network. The system works with a bonus system wherein one can earn more profit when he or she climbs on to the leader board. According to several members of the Morinda Multi-Level Marketing, it is really hard to go on top. You have to work hard and be dedicated to what you are doing. It requires time and efforts to succeed with this business opportunity. Overall, the Morinda’s Multi-Level Marketing as a business opportunity is not for amateurs in this system. There’s no way that one can earn something without doing nothing in Morinda. However, when you have the skills and network, there’s a better chance of success. So, in terms of Morinda’s Multi-Level Marketing as a business opportunity, it is legit!

Our verdict, the Morinda company is legit and not a scam!

Challenges in Morinda

Of all Multi-Level Marketing companies that we have reviewed, the Morinda company is one of those that are not for starters or amateurs of the system. Their system requires an experienced individual to be able to succeed. But we are not saying that it’s impossible for newbie to succeed, however, it takes a tough individual to overcome the challenges.

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Welcome to my Boresha International review! Well, did you happen to meet someone asking if you want to enjoy and live your personal financial freedom? After a representative introduced you to the opportunities that Boresha International has to offer, then you will be asking yourself if it’s worth a try or not. Now, that’s probably the reason why you are here reading this article. Let’s take a closer look on Boresha International and see if it’s worth investing.

Boresha International Overview

President and CEO George M. Najjar founded the Boresha International in 2007. With a strong determination and passion to have a health and wellness company that will help people from all walks of life. He envisions that people can have a personal power and become a CEO of their own. This can be done by simply consuming and recommending Boresha International products. The main headquarters is located in Walnut Creek, California. Over the years, the company grows and continues to build branches in several countries until today.

Boresha has old-feeling corporate videos that need to be updated for the modern age.

Boresha International is known for its weight loss coffee (skinny coffee). The company recognized the fact that almost every individual drink coffee, this is the best way to make their product consumed easier by people to promote a healthier lifestyle. Hence, Boresha International can simply target the coffee drinkers and easily provide them with a healthier option than their usual coffee drinks. Since then, they have managed to enter the market as health and wellness company with a wide variety of products to choose from.

Of course, Boresha International does not only manufacture, distribute and sell a variety of weight management beverages associated with health and wellness products. The company is also dedicated to help people earn money from selling their products. The system used for this financial opportunity is the Multi-Level marketing (MLM) distribution model.

Boresha International products include Boresha Slim, Boresha Lean, Boresha Fit and Boresha Sweet.

Is Boresha International a SCAM?

To answer this, let us go into relevant details and facts to come up with a legit answer. Let’s start with the effectiveness of its products. Talking with people who have tried Boresha International products and those people who place their reviews online, their products seemed to work as advertised. Boresha International products were able to get a high review rating from online user on legitimate online stores. There were also random interviews from people who use their products and the result is really good. The positive feedback and reviews from Boresha International from their consumers are more than enough to say that in the area of product effectiveness — it’s legit!

Now, let’s go to the opportunities offered by Boresha International as a Multi-Level Marketing company. To look into this area, we tried to ask questions from certified members of the company who have subscribed to their system for more than 2 years. These people have testified that they did manage to earn profit from their initial money invested in the company.

Does Boresha Coffee really work?

Here are some testimonials about Boresha’s skinny coffee

When asked about the time frame on how long the return of investment is, people have a different time table. One obvious thing that matters at the time differences in terms of getting their profit is the amount of time and efforts exerted to get more people to be part of your network. Well, its Multi-Level Marketing system after all, so there’s no big deal. The thing is that you have to work for it and earn your profit afterwards. Hence, with all these testimonies from genuine members of the Boresha International, it is safe to say that in the area of being a Multi-Level Marketing company – it’s legit!

Overall, Boresha International is a legit company. It is not a scam!

Although there are a few people who said otherwise, these people are actually passive investors who think that investing in a Multi-Level Marketing company is just putting money and get profit without doing anything. Of course, there is no way that someone would gain something without doing anything in any business.

There is no shortcut to success in Boresha International. Just like any other legit Multi-Level Marketing company, one must work his way up. Otherwise, you have to ask yourself if it’s too good to be true.

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Welcome to my Alliance In Motion Global Inc. review! With lots of companies offering business opportunities through Multi-Level Marketing, you may have heard about the company named Alliance In Motion Global Inc. If you are being invited to be part of their team and explore a limitless opportunity to earn money, then may have asked yourself if it’s really true. After reading this article, you will be able to identify whether the Alliance In Motion Global Inc. is legit or a scam.

Alliance In Motion Review:

Based on their official website, The Alliance In Motion Global Inc. was conceptualized to provide exceptional products and services to the market. The company is a direct sales Multi-Level Marketing company established by Dr. Eduardo Cabantog, Francis Miguel and John Asperin in September 2005. The company distributes and markets top-of-the line food supplements manufactured by Nature’s Way USA, and premium blended beverages. They are the exclusive distributor for Direct Sales of products made by Nature’s Way USA.

Over the years, the Alliance In Motion Global Inc. gets bigger in its country of origin, the Philippines. In fact, the company has more than 104 business center offices in the country. Just a few years after, Alliance In Motion Global Inc. built international offices in Singapore, Korea, Taiwan, Hawaii and Dubai, Africa, Kuwait, Macau and Malaysia.

There are a number of products that AIM Global Inc. offer. The company divided their products into four (4) categories, namely, Functional Beverages, Nutritional Support, Nutritional CosmeCeuticals, and NaturaCentials. All these are manufactured by Nature’s Way USA and exclusively distributed by Alliance In Motion Global Inc. – at least in areas that the company has covered.

Is Alliance In Motion Global Inc. a scam?

We will take a closer look on the facts before making a statement if the AIM Global Inc. is legit or not. The areas that we will cover are their products and the system of Multi-Level Marketing as a business opportunity for direct sellers to earn profit.

Alliance In Motion’s MLM Products

As for their product reliability and effectiveness, there’s no better way to measure this area than looking into the feedback and reviews of people who consume one or two of their products. Upon reading several feedbacks from buyers on legitimate online stores, they all agree that the product/s they bought is effective when consumed as prescribed. The four categories, Functional Beverages, Nutritional Support, Nutritional CosmeCeuticals, and NaturaCentials, received satisfactory ratings by online buyers. Also, feedbacks from direct buyers are good as several repeat customers keep on buying similar or other products from resellers. It is for these reasons that in the area of product reliability and effectiveness, the Alliance In Motion Global Inc. is not a scam.

Now, let’s go to their direct selling system of Multi-Level Marketing. They boast to have the best in this area and so we take a look at how members are actually doing. In terms of starting to invest as a distributor, the cost of investment is about $1300. They call this as a Global Package in purchasing 7 positions in the compensation plan. The cost comes with a variety of products you can choose from. Although you can start with a minimum investment of $180, but then this will only place you in position 1 that has a very minimal compensation plan. So, you have to work hard to reach the top position and earn the best compensation plan. However, this entails a lot of work and direct selling to gain a better profit. Overall, you have to work really hard and exert more efforts to earn something from this business opportunity. It’s not an overnight source of passive income, but with the right attitude and a great sales pitch, you will definitely earn from the Multi-Level Marketing system that AIM Global Inc offers. Hence, in the area of Multi-Level Marketing, the Alliance In Motion Global Inc. a not scam.

In conclusion, Alliance In Motion Global Inc. is legit and not a scam!

Challenges in Alliance In Motion Global Inc.

Challenges are always a part of any business. However, the business opportunity that is offered by Alliance In Motion Global Inc. is really difficult for starters. You have to be experienced in Multi-Level Marketing (MLM) to make it on top. This company is not for people who don’t know hard work and dedication.

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Secret Success Machine Review – Legit or Scam

Welcome to my Secret Success Machine review! You may have known a lot about Multi-Level Marketing (MLM) strategies that various companies are offering. If the name ‘Secret Success Machine’ for a business, and more specifically a MLM program, does not scream at you to run away, then you can continue reading below.

Secret Success Machine Overview

Every once in a while there comes out a high-ticket pseudo-gifting program where the creator is lazy enough to make sure that the program has no set purpose, intention, goal, support or service. In fact, it is not even a business but rather just an obvious fraud scheme that is meant to do nothing more than defrauding people from their hard earned money.

Secret Success Machine perfectly fits the criteria. The program is nothing more than an obvious money grab, there is no service or product offered by Secret Success Machine, but rather only a range of overpriced membership fees, which once paid, allow you the refer other people to purchase the same membership. There is also practically no information available on the owner or the company behind the program.

Secret Success Machine Multi-Level Marketing Scheme

There is essentially no benefit offered by this membership, aside from a few video courses that teaches random topics about online moneymaking or some related material. The primary purpose of the membership appears to be, well, recruiting other people to come in and purchase the same membership. The benefit of doing so is that you will be giving a small percentage of the membership fees paid by your new referral. Fear not though, the ridiculous membership fees will more than make sure you get your effort’s worth, if it is so would happen that your referral had been living under a cave all their life and had huge amounts of money to practically throw away.

The membership fees start out from a basic ‘$2,000 + $247 Admin Fees’ for the Silver plan. It is critical note here that the owner actually recognized $2,000 being a relatively huge sum and thus, all memberships have no recurrent monthly fees. The plans go up to a ridiculous ‘$20,000 + $247 Admin fees’ for the final plan.

Secret Success Machine – Our verdict

With all the collected data and reviews from its members, it all leads to a questionable scheme that the Secret Success Machine implements. A sane individual would raise up their business from the ground with that much money, and still have leftover money to purchase a new car. It is highly recommended to stay away from participation in this fraud program, and discouraging your colleagues from the same. Well, assuming that they are oblivious enough to fall for this fraud. There are plenty of others authentic alternatives available that may actually offer you benefits, or even profits if that is what you are aiming. This is probably the reason why its success remains a secret all this time.

In conclusion, we consider the Secret Success Machine Multi-Level Marketing strategy as a scam, and recommend that you stay away from Secret Success Machine

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Welcome to my Zilis review! You may have heard of this company from a friend you bumped in a grocery store or from a stranger in a coffee shop. More often than not, these people have gift of tongue to convince you and trigger your curiosity about the product. Now, let’s try to look deeper about Zelis.

Zilis Overview

A direct sales and MLM company focusing on the Health and Wellness niche, dubbed as both ‘The Solution’ and ‘Compassionate Capitalism.’ Zilis is a for-profit company with a mission to eradicate child malnutrition around the world. In order to achieve this mission, Zilis has developed its own unique solvable powder formula packed with vital vitamins, minerals and other nutrition elements that can cure malnutrition in children under an affordable price tag.

This will have a strong appeal to people who feel driven to make a difference in the world – which is exactly what you want in a leader.

Here is their mission:

Launched on 17^th August, 2015 and headquartered in Texas, United States of America. Zilis is owned and operated by prominent entrepreneur Steven Thompson, who apparently commands plenty of prior experience of operating in the direct sales industry. However, there appears to be a lack of information on possible co-founders. Furthermore, even the information available on Steven Thompson appears terribly lacking.

The official Zilis website is here.

Zelis Multi-level Marketing System

The main product in offer by Zilis is its powder formula that is constituted by so much nutritional wealth that daily administration could eradicate malnutrition in a child. Steven Thompson gained inspiration for Zilis after being touched by consequences of child malnutrition, as well as the economic hardships faced by healthy individuals across America and the globe.

There are two ways to contribute towards the Zilis mission; become either an ambassador or partner. A partner is simply an individual who wishes to financially support the cause by purchasing $19.99 30-Days Nutritional pack, which would sponsor one child for a month-long nutrition drive (It is recommended by Zilis that each child receive two consecutive months of administration in order to remove malnutrition). Keep in mind that because Zilis is a Limited Liability Company with profiting interests, you are only making a purchase that would be directly sent to malnutrition camps.

In order to make an earning, prospective earners will first need to become ambassadors. Zilis offers four membership packages; starting from a $99 basic enrolment and lasting up to $1049 Gold Pack (which also provides 50 Nutritional packs to children afflicted with malnutrition). Ambassadors who successfully recruit new ambassadors and partners to Zilis are compensated under three earning streams.

The first stream is recruitment bonus, which is received upon a successful purchase by the recruited ambassador. The second stream provides bonus whenever a recruited ambassador make a new purchase in the future, and lastly, the third stream is the residual bonus, which is earned whenever the recruited ambassador recruits a new ambassador (the purchases made by the second-tier ambassadors will provide a bonus as well).

Here is a webinar explaining the Zilis Opportunity:

Is Zelis a scam?

Despite being identical to all other similar wellness programs, and the cliché back-story, the Zilis mission still appears interesting. If you are a prospective investor, Zilis looks promising enough to be worth considering. However, stay cautious of the poor public information at display (Who is the team? Who prepares the powder? Where has the owner worked before? Where does it all go? Who is benefitting?). The lack of transparency is only detrimental to the company’s humanitarian cause. In conclusion, it may be more beneficial to check for alternatives in the wellness sector who are more transparent and open about their business.

Time will tell if Zelis will be a true contender.

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Welcome to my Powur review! Powur is a direct marketing company operating in California, United States of America, the focus of this company is on the solar power niche, a previously unexplored option that is supposedly ripe with great profits and success. That’s according to their website, anyway. But what’s the real score in Powur MLM, let’s take a closer look!

Powur Multi-level Marketing Overview

There is a substantial lack of published information on their website, which fulfils no other purpose other than being a slideshow to attract potential affiliatesand customers. The company is registered as a B-Corp in IRS, which means it is an organization working for public interest.

Powur is owned and operated by Johnathon Budd, a name that is not new to the industry. He was owner of the former MLM program Empowered Entrepreneurs.

The business product of Powur is not that it actually produces or sells solar power systems. The company has absolutely nothing to do with solar power systems or their manufacture. Instead, the company is affiliated with SolarCity, a company owned by Elon Musk who also operates Tesla Motors.

Powur Multi-level Marketing System

The only service of Powur is that it offers potential marketers and affiliates the opportunity to market and sell SolarCity’s solar power systems. What is unique about SolarCity is that the company offers its products in an unconventional method for solar companies and conventional method for regular utility companies. Yes, the company charges nothing for the solar power systems, installation is free, and the customer has to pay for the solar power generated by the house system each month, just like a conventional electricity bill.

It is important to note here that Powur is currently available in the states served by Solar City, twenty in total: Arizona, California, Colorado, Connecticut, Delaware, Washington, D.C., Hawaii, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Texas, and Vermont.

Powur also has no mandatory membership requirement in order to earn money, though there is a $200 certification available that opens a few new income opportunities. The compensation plan appears to be rather straightforward, coming with the standard referral systems common among MLM programs.

Markets have the prospect on earning $75 on their first three successful customers (individuals who have signed up contracts with SolarCity), this extends down the first referral tier. If your recruited affiliates manage three successful customers, you again earn $75 commission.

There are also ten different ranks of memberships, the lowest being ‘Partner’ when the member has no downline. An individual can reach the Qualified Partner level by generating three customers’ total. Furthermore, when the individual accumulates total five customers and maintains a downline generating at least nine customers each month, they get elevated to the next L1 Partner Level, this continues forth until the Hero level.

Is Powur Multi-level Marketing a scam or legit?

Powur is definitely an interesting concept that exhibits potential if the execution is performed smartly. Application of the sales strategy can be done through both the internet and physical means, depending on your strengths, you can potentially make profit. There is also no registration or membership fee required so that is a major plus.

Remember though, always to maintain a state of caution whenever dealing with MLM programs, even despite their apparent authenticity there is always a risk involved.

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 Four Oceans – Legit or Scam

Welcome to my Four Oceans review! You may have learned about the Four Oceans services when you once searched online for reducing stress and finding happiness. But what is the real score in the Four Oceans quest to pursuit happiness? Let’s find it out.

Four Oceans Overview

A MLM program based out of Plano, Texas, USA. If any entity was to come close to competing with North Korea in regards to lack of public information and secrecy, it has to be Four Oceans.

The primary motivation behind the creation of Four Oceans is to inspire happiness and motivation into people, there are also other services offered by Four Oceans, but each service traces its root somehow to inspiring happiness.

The owners of the program, however, are prominent individuals who have worked with various authentic corporations in the past, which may contribute towards a conclusion that Four Oceans, unlike several other MLM’s, may actually be worth a serious consideration or two. The founder of Four Oceans is Robert Oblon, who has very recently acquired the TSTN network. The president of the company, Jeff Cohen, was among ExecuRank’s list of top CMOs. James Menge is another founding member of Four Oceans, who has extensive management experience with global travel entities such as American Airlines, SilverCar etc.

The final prominent figure in the founding circle is Shawn Achor, a highly renowned ‘positive psychologist.’ It appears that most of these people are new entrants into the MLM industry.

Four Oceans MLMs Scheme

Four Oceans offers its services through webinars. Which are conducted with the sole mission of inspiring greater happiness and reducing the stress levels of audience. It offers some 300-hours strong curriculum of webinars that are meant to achieve just that. Furthermore, new webinars are hosted each week.

New members are offered a free 21-days happiness program. The subscription to Four Oceans is available on monthly, annual or multi-year basis, the price of which is not mentioned. There is a 30-days free return guarantee in case of customer not being satisfied with the service. However, such is only possible if that customer had purchased the annual or multi-year subscriptions.

Four Oceans also incorporate a travel service, which offers discounts to members, as travelling often means happiness, it is one the major focuses of Four Oceans.

Similar to all other services, Four Oceans also host an active referral system that can be used in effect to make an income, how effective, or detailed specifications, are not yet known.

Four Oceans – The Verdict

Looking into the type of service that the Four Oceans are into, subjectivity can be a factor. People have different perceptions and measures regarding the feeling of happiness are achieved. But in terms of the MLM’s scheme and the feasibility of the Four Oceans, we see an opportunity of getting happy here. Of course, it should come with hard work and dedication to grow.

There may be good potential for this program as its founders appear to be new entrants into the MLM industry, which makes it difficult to ascertain their intentions. However, the first impression does seem to be positive so it may be worth taking a chance here.

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Organizations and businesses are now looking into the internet to advertise their products and/or services. There is a good reason for this – a huge number of potential clients or customers are browsing the internet. This was the thoughts of My Internet Traffic System when they built their company. But how does My Internet Traffic System differs from the competition? Are they legit or scam? Let’s find out.

My Internet Traffic System Overview

My Internet Traffic System (MITS) is a lead and traffic generation system owned by the industry-renowned entrepreneur Vince Reed. This system can be used by any internet-based organization and business to generate targeted leads and high-quality traffic onto their website.

In essence, the MITS is a training programme featuring plenty of basic and advanced marketing techniques over various different spectrums, designed immaculately to teach you the most effective methods for lead generation. This also includes direct coaching through phone.

How My Internet Traffic System Works?

The My Internet Traffic System made sure that their system works not only for their professional clients, but to those who are not so familiar with internet traffic. They don’t use technical terms to explain their system, but rather simple and understandable even for newbies.

MITS is a subscription-based programme, offered over three different levels.

Level 1 (Marketing Mastery Kit) – $19 monthly.
Level 2 (Access to all training material) – $197 monthly.
Level 3 (MITS Affiliate) – $997 purchase, $297 renewal.

The first level includes a 20-minutes direct conversation with a coach, who will teach about some basic and advanced marketing tricks. There are also more than 12 learning modules and an audio learning course included.

The second level gives you an opportunity to connect onto to weekly webinars held by Vince Reed and directly inquire him your options. There are plenty more training modules available on this level, alongside dedicated coaching conversations and mobile lead generation techniques.

The third level is more dynamic. It allows you to become an affiliate with the MITS, granting you the ability to sell their products (or membership) on a 50% commission (each training module can be purchased individually, a membership packages them all for lesser price). Furthermore, becoming an affiliate also means that the MITS team will do all of the lead and traffic generation for you, which means you do not even have to learn.

So, Is My Internet Traffic System Legit or Scam?

As far as the documentations and feedbacks we gathered from their clients, the My Internet Traffic System has delivered its promise to their clients. They were able to meet, if not exceed, the expectations of all the clients we interviewed and surveyed.

Hence, the MITS appears to be a legitimate and functional business with a small MLM twist on the side. Though the penetration cost appears rather high, the resulting sales through increased traffic generation could potentially be worth it. It is also worth noting that the internet is a diverse platform that is highly complex and multifaceted. There’s a possibility that one’s success does not imply or guarantee the others. Clients should still have a comprehensive study on the My Internet Traffic System, if this will work for them.

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Options Rider –Is It A Ponzi Scheme?

Welcome to my Options Rider review! In a highly advanced internet era, where all processes are finished within moments and precise information retrieved from a database holding millions of entries within mere microseconds, some poorly managed or just intently fraud companies continue to think that technical disturbances are feasible excuses to back up suspicious, and most likely fraudulent operations. This is where Options Rider comes in.

Options Rider Overview

Options Rider, a Binary Options trading company, allegedly based out of Auckland, New Zealand, retorted to the same measures, which in effect may be sufficient for confusing the innocent customers, but lack potential against professionals.

A statement released by the company, following its unexpected announcement of a temporary restriction on all new registration and deposit services. Quoted below is the actual statement.

“Due to the surge of new clients, we are temporarily closing new registrations and deposits into the system effective immediately. We will resume new registrations on the 5th of May”

This was done in effect to allow the company sufficient time for catching up with all the new account registrations. It becomes difficult to imagine the difficulty in managing the new registrations, given that all processing is done by machines themselves, unless Options Rider is actually an old-school basic HTML website with no functional code or databases, which seems to all the unlikely.

Options Rider Scheme

To further strain the level of suspicion on the company, Options Rider has apparently also lied about its status as a legal, government-regulated establishment. A clause inside its Client Agreement page claims that the company is a registered and regulated entity in the New Zealand Securities and Exchange Commission. It is critical to note that such an organization named ‘Securities and Exchange Commission’ simply does not exist as a government managed body inside the territories of the Realm of New Zealand.

The government body that does fulfil the function of financial regulations the Financial Markets Authority (FMA). Quoted below is the actual text from Options Rider’s Customer Agreement Page.

“The Company is authorized and regulated by the New Zealand Securities and Exchange Commission to offer certain Investment and Ancillary Services and Activities under the Provision of Investment Services, the Exercise of Investment Activities, the Operation of Regulated Markets and Other Related Matters Law of 2007, Law 144(I)/2007, as subsequently amended or replaced from time to time (“the Law”), with FSP license number FSP10980”.

Options Rider Verdict

Given solid proof behind allegation that the company is indeed partaking in fraud, it is recommended to exercise extreme caution whenever dealing with Options Rider – just like any other business ventures that exist in the market today. There are plenty of great, authentic binary Options trade companies offering their services on the market. It might be worth investing at companies that are more authentic rather than poorly managed platforms who actually have to close their registration services following a ‘registration surge’.

In the past few months, the industry has become plagued with plenty of these fake and fraudulent schemes. Options Rider appears to be a straight ponzi scheme.

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uFun Club and OneCoin – Legit Product or Scam?

Welcome to my uFun Club and OneCoin review! In the past decade, Internet has observed considerable growth in its ability to facilitate electronic transactions, quite easily overtaking physical transactions through their ease and convenience. Ensured Safety, though, has not exactly been a hallmark feature of transactions through the Internet.

No, we are not talking about vulnerabilities, hacking or viruses. Rather, the veil of secrecy that internet provides to operating individuals and companies. It is almost impossible to be assured that the website you trust your funds with will not just disappear in an instant. Though unlikely, and the fact that there are multiple, trustable services offering relatively secure online transactions and money-keeping, may have you thinking that such happening to you is impossible, but before you stamp that decision, let us introduce to you uFun Club and OneCoin.

uFun Club and OneCoin Background and Schemes

uFun started in 2014, quite similarly to BitCoin, as a digital currency offered as uToken. The organization was based out of Singapore, with its focus on regional countries Indonesia, Malaysia and Thailand. Anticipations for the brand were high, especially considering the recent, enormous success of BitCoin where investors made thousands if not millions of dollars in profit. Quite unlike BitCoin, uToken had a number of attractive security features that its older competitor lacked.

It was the fact that the supposed authenticity of uToken was further reinforced by its sustained reserve of Ten Million US Dollars in the United Development Bank of Pacific and the stamp-of-approval from a top-notch Insurance company, NICO Holdings, led eager investors pouring on their hard-earned money into the new company.

An alternative service complimented the launch of uToken, namely OneCoin. The OneCoin service was meant for transacting in the physical word, an all-in-one replacement for credit and debit cards. However, OneCoin was mired by its relativeness cheapness, and not in the good way. The card’s quality was subpar, especially against prime card issuers, the printing was poor and it was poorly secured. If the OneCoin website goes down – all your money goes down along with it.

uFUN even had its very own online store – though a very poor imitation of eBay and Amazon, it hosted no genuine branded products, and instead images of merchandise offered on its website were blurry, low-quality copied images. Surprisingly enough, it worked, but only for as long as uFun itself lasted, which was not too long.

Investors expected another BitCoin fiasco, they wanted to make thousands of dollars in profit by jumping on early when uToken’s value was still at its infancy, intending to sell their uTokens later once they become more valuable. It certainly worked to an extent, a few months later following investigations concerning uFun’s operations, Authorities revealed to public that uFun was actually a fraud scheme, it had been paying off its older investors with money from new investors, while keeping a share of money to themselves. Arrests were made in Thailand, and the company went under covers.

Our uFun Club and OneCoin Verdict

Following the arrests by Thai Authorities, Investigations sprouted over ten countries, uFun had defrauded the global market with millions of dollars. A few months later, the company resurfaced to release an ‘update’ to its investors, claiming they had moved to a new platform uNascos and invited people to join so they could once again be robbed. Of course, that did not work as intended and the new website never went up. It became rather clear that uFun only operated on a short-term, high-return investment scheme meant to reward only by themselves and the lucky few who got on-board first. It is suggested that caution be kept whenever dealing with any investment related to uFun or any other fake schemes, unless of course you are eager to throw away your money.

So, as to the question whether uFun Club and OneCoin are legit or scam – they’re both scams!  Avoid these ponzi’s

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What are your thoughts on John Oliver’s critique on Multi-Level Marketing?

Do you agree?  What parts do you most disagree with?

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Valentus – The Company

Valentus was founded in by Dave and Joyce Jordan who had extensive network marketi ng and traditional retail experience and wanted a company that was built around the needs and wants of distributors.

In its start-up year 2014 Valentus did $300,000.  In 2015, it’s second year the company did $3,000,000 and then $32,000,000 in 2016.  2017 will be another record-setting year.

Valentus is fully registered and licensed to do business in the USA, Canada, Philippines and was just officially licensed in the UK in November. The company ships product to over 50 countries many of which are NFR (Not For Resale) markets.

The initial product was PreVail Energy but it was the introduction of weight loss coffee that spurred the company’s incredible growth.  To me, the idea of linking coffee with weight loss is brilliant. I struggled with weight all my life and I’ve tried every diet imaginable.  There is only one word to describe every diet I’ve been on … miserable.  The concept that I could do something that I love, something that I’m already spending money on, that I cannot imagine not doing for the rest of my life, which is drinking coffee and have that coffee help me lose, control or help manage my weight is brilliant.  A non-coffee drinker can see the same results with PreVail TRIM.

Five Critical Elements For Success:

I discuss the critical five elements for success extensively in my book, “Right or Almost Right”.  Available on Amazon and a best seller or get a free copy at johnharemzabooks.com.

I’ll discuss the elements briefly here. They are the company, the product, the compensation, the timing and the training. If two or three of these elements are missing you’re going to struggle.

It does not matter how talented you are or how hard you work. Missing elements will drag you down.

I looked for these five elements and found them at Valentus ….. plus what I believe makes Valentus VERY special the sixth element — culture.

Critical Element 1: Valentus The company

Valentus is debt-free with huge field experience. It’s not a company run by a bunch of accountants and financial specialists, but it is run by someone who has done what we do. Dave Jordan used to be a distributor, so he knows the challenges we all face. In any company, management and sales are always at odds. Having someone running the show who really knows what we do on a daily basis is a huge plus.

Critical Element 2: Valentus The product

I spent most of my life in the industry selling supplements and convincing people to do things, they were not interested in doing. Compliance is a huge hurdle.  But, when it comes to coffee, most of us are already drinking it and already spending money on it.

When you couple that with weight loss, it’s a no-brainer. You’re never going to leave the house without drinking a cup of coffee. To think that you could drink a cup of coffee that could help you lose weight is the easiest thing I’ve ever talked about and all of our products are equally powerful.

You can’t NOT SELL weight loss coffee. You would have to make a conscious, deliberate

decision not to mention it. As soon as you mention weight loss coffee people say,

“Where can I get it?” and the line begins to form.

Valentus = Coffee + Weight Loss!

Critical Element 3: Valentus  Compensation Plan

Every company talks about having the best, most lucrative compensation plan but

every company has about the same amount of money. About 40–50 percent of revenue is dedicated to the compensation plan in most companies.  Valentus is at 50+ percent, so it’s at the high end.

Valentus steps above many other companies by not having the gotchas, hurdles or structural requirements that many compensation plans have. The plan is really well-balanced with something in it for every level of Independent Representative from the newest startup up to the mid-level leader to high-end leader.

Critical Element 4: The Valentus timing

Every company tells you their timing is perfect, but timing is a factor of numbers and there are only two numbers that count — the monthly sales and how many distributors there are. If either of those two numbers is big you have already missed it from a timing standpoint.

If you study companies as I have, they are very predictable. When a company is doing less than $2 million a month, the risk is high and there’s no evidence of success. Everyone wants to quit.

Timing is best explained by using a fishing analogy. A start-up company is like fishing in bad weather when the fish are not biting, and everybody wants to quit and go home. As the company approaches $2 million a month in sales, it’s as if the sky cleared, you moved over a school of fish and now the fish are biting. This is called momentum. As the company continues to grow the fishing gets better and better and better. Then at $8 million to $10 million, it’s as if the sky opens and the fish start jumping into the boat. The masses pour in. It’s called critical mass. Now people make money fast, but the real money is made by people who started when the company was at $2 to $10 million. Now you’re not fishing with just one line but you have multiple lines dragging behind the boat. There’s opportunity at every level, but the big money is made by people who built a base in that sweet spot between $2 million and $10 million. That’s where Valentus is today and that’s why every one of us is working so hard.

Critical Element 5: The Valentus Training

Valentus has all the necessary tools, particularly the on-line resources and websites so critical in today’s world. One of the things I love is that there is no monthly charge for the seven personalized websites or the back office to manage your business.  Today, our business can move at the speed of light, BUT personal relationships are more important than ever.

Everyone is on the same page and Valentus has systems in place with websites, conference calls, three-way calls, events and a unique Powerline system so that people can pre-enroll and see the system working for them, even before they sign up.  This actually gives them a temporary place in the genealogy that they can activate and become a full-scale member.  You can see this at this Valentus marketing site.

Here is a recording of a Valentus training call:

Corporate/Management

This is critical element 6: The culture, the magic, the feeling

Valentus is one of very few companies in the history of the industry to have this sixth element. It’s that something special that’s hard to explain. It’s the energy, the vibe, the culture, the environment, the feel.

It ties back to Dave and Joyce Jordan and their character. They’ve been on the field and truly love not just the industry, but also their distributors and they will do everything they can to help them. In all my years in network marketing, I have not experienced a culture like this. They’ve got the magic touch. If I had to sum up this sixth element in one word it would be HEART.

Here is a tour of the Valentus corporate office.  Caution… it's windy

Independent Representative

Dave and Joyce Jordan were adamant that Valentus distributors should be known as IR’s (“Independent Representatives”).  This emphasizes to Valentus IR’s that they are in business for themselves but a critical foundational company belief is that they are never, “By themselves”.

Valentus – The Product

The company was launched with an Energy Drink PreVail Energy but weight loss coffee was the key to incredible growth. Now the company has a wide range of products with more in the pipeline to be announced.  With the exception of both PrevailMAX sprays which are delivered directly into the mouth all our products are contained in convenient one drink sachets which can be taken either hot or cold.

Prevail SlimROAST – this is coffee infused with 7 herbs to control appetite and help block the absorption of fat, carbohydrates and it acts as a thermogenic to help you burn more calories.

Prevail Trim – Excellent for non-coffee drinkers to can see the benefits of weight-loss

Breakthrough Am/Pm – This can help you jump start your weight loss or breakthrough a plateau.

Prevail Energy – This product competes with the high-energy, high-caffeine, high-sugar drinks featured on retail shelves for $3.00 to $5.00. This product is half the cost of less than 5 grams of sugar.

Valentus Immune Boost – There is no better way to fight colds and similar ailments than a glass of Immune Boost dissolved in hot or cold water. Try this in the evening for your best nights sleep in a long time.

PrevailMAX  Supports healthy cell performance at the microscopic level of human cells.  This is a nutritional breakthrough for your cells. The most amazing thing is to see the immediate impact PrevailMAX has on our cells, from sluggish to active within seconds of a few squirts.

Prevail K9  Supports healthy cell performance in the pets we all love so dearly.  We have seen some incredible results already.  No one can tell me that this is a placebo effect, not on pets.

Valentus – The Compensation Plan

In almost 30 years of network marketing experience, the Valentus Compensation Plan is certainly the best I have ever seen.  It offers 7 (seven) pay centers and offers something for every level IR (Independent Representative).

1. Retail Commissions up to 25% paid weekly
2. Fast Start Bonus up to $100 paid weekly
3. Legacy Codes Bonus of $100 unblocked to unlimited levels and paid weekly
4. Dual Team Commissions of up to $100,000 per week paid weekly
5. Dual Team Matching Bonus that goes to 7 Generations starting at 20%
6. 1% Global Volume Shared Enrollment Pool
7. Car bonus of $400 to $3000 paid monthly

As shown above, five of the seven profit centers are paid weekly which means that a new IR will see the results of their efforts and receive payments very quickly.  One of Valentus’s recruiting claims is that, “A new IR will get to $10,000 a month faster than any other plan”.

SUCCESS DOES NOT COME WITHOUT CHALLENGES:

You can tell a lot about a company, its management and it leaders by how they handle themselves during difficult times.  I always say its easy to be a leader when times are good but real leadership is proven during difficult times.  In 2017 Valentus had its share of challenges but when a company can go though these challenges and be better and stronger than ever it says a lot about its management and leaders.

ABOUT THE AUTHOR:

……………………………………………………

TRIED AND TRUE –

John Haremza sticks with network marketing for decades — because it works

After almost 30 years working in network marketing, I have learned a thing or two. Three decades ago I didn’t know quite so much, but I had the same drive I have today. I graduated from high school with a diploma, but as an introvert, dyslexia and no self-esteem.  I started my career on the production line at a potato chip factory and very quickly became a welder and then maintenance manager. He was introduced to network marketing at a meeting, at a friend’s house and his life took a new turn.

I believe that if the people believe in it, the company will thrive. I often say, “People buy people.”  Every company has its challenges, its up, and downs, which makes it critical to stay plugged into the calls and events.  If you find yourself struggling with your belief right now you must focus on your belief in the company’s future that they will get it fixed.  Never consider quitting or making a change until you have absolutely no faith in the company’s future.

I’m sharing this from experience.  Over the years I’ve had many occasions when my belief took a hit.  Most of the time things worked out.  There have been cases where I have lost all belief but only after several years of frustration.  When I reached that tipping point, where I lost all belief and trust, when you are unhappy it’s no fun, no way to live.  It goes against your moral being when you feel as if you are selling a dream and living a nightmare. Moving from one company to another is a “last resort” solution when everything you tried has failed.

I am true to this philosophy. When I lose belief in a company’s future I am not afraid to go off on a new venture. “When you lose your belief, you’re really sunk. But, it has always been a long-term, gut-wrenching decision to leave a company.  This move was never something easy.  Ironically, it was never the money.  In every case, I walked away from a substantial residual income.  I suppose I could have stayed but its tough to sell a dream and live a nightmare.

Many people in this industry have worked for multiple companies but in my case, I have worked with only four network marketing companies.  Whether it has been luck, wisdom, good fortune, an understanding of the five elements or a combination of all factors every experience has been better, both personally and financially than the last one.

When I found Valentus and knowing the owner I felt safe and confident but scared and nervous.  Here I was walking away from a company that I had been with since its inception for over 12 years, over $10,000,000 in earnings and a high six-figure income.

“I have almost 30 years in the industry and I’m more excited today than I’ve ever been,” John says. “I believe this will be the biggest thing I’ve ever done. All of the elements for success are clearly in place.”

And if you happen to not find him working? He might just be off catching fish instead of

sales. Whether it’s Arctic char in the Northern Territories, salmon in Alaska, deep sea fishing on the coasts or just an easy cast in his local area, John has seen it all and caught it all.

John authored the book “Right or Almost Right”. He talks about the fine line between phenomenal success and average results in network marketing.”

At the time I produced “Right or Almost Right,” I had almost 30 years in network marketing and I had traveled extensively. I met so many sharp, hard-working, good-quality people who were seemingly doing everything right and yet weren’t making the money they expected. They asked, “Why? Why am I not seeing the success I anticipated?”

I asked the question, “Are they doing it right or almost right?” My book,“ Right or Almost Right,” addresses what we do in our everyday activities — our DMO (Daily

Method Of Operation) — and talks about the little adjustments we can make to build

success. The subtitle, “The Fine Line Between Phenomenal Success and Average Results

in Network Marketing,” says it all. It’s the fine line, the little adjustments, the nuances, that get us to success.

The Small Step Philosophy: “Every step you take counts”.

No matter how insignificant it may seem at the time, every decision you make counts.

Your decisions have led you to where you are today.

There are two types of people: a large group where nothing seems to work for them and a much smaller group where everything works, they seem to have the magic touch. You could take two people under identical circumstances but they would make different decisions and see different results.

It’s all about the decisions we make. The decisions I made when I started out in this industry as a maintenance person and the decisions I continue to make have got me to where I am today and affected hundreds of thousands of people.

My book will help you make better decisions and it will help you make those fine adjustments to move you from struggling to seeing massive success. I promise you will get tremendous success if you use these fine adjustments.

You can see more about John particularly how a dyslexic kid, thought to be slow, dumb, lazy made it to become a first-class network marketing legend.

Email to get a free copy of “Right or Almost Right”

johnharemzabooks.com

www.valentusmovie.com/roar

To get a free sample of weight loss coffee   http://ltl.is/ASaDn

The post Valentus Review appeared first on Insider Business Reviews.

Asirvia – An Overview

In network marketing, most leaders in the industry realize this is a numbers game. Prospecting your warm market goes very quick and then you are left with cold market leads. We all know that 90% of the people we recruit cannot even invite their mom to their own birthday party, and yet they all say they are ready to change the world and make money doing it.  So, what is available for the part-time network marketer that has no clue what to do after they threw up all over their warm market about their business opportunity?  It’s time to GO!  yes, with the Asirvia Go proximity device.

Here's a quick video explaining Asirvia Go:

This little white coin that reminds me of a double stuffed Oreo cookie with technology filling can literally do the cold marketing for any business!  Here's how it works; The little device sends out a signal, picked up by Google Nearby which is installed on every android phone, tablet, watch, even in some vehicles, enabling these devices to retrieve a notification with a 40 character message and a clickable link about your business opportunity, product or service. Imagine being at a professional football stadium and being able to market to approximately 60% of that stadium just by walking through the gates?  It’s even possible to track your engagements or the daily number of exposure with the one or multiple devices being used with simple to review analytics.

The corporate team is made up of time-tested network marketers themselves who know the distinction between field and corporate operations. Every technique they used in their 20 plus years each of being in the field operations of network marketing companies is being deployed with Asirvia. The name Asirvia is derived from the Latin word ” to serve”.  Their commitment to the team and the field is like dealing with the strength and honor of our US military enforces. Specifically, Kevin Marino is known to put forth the “what you see is what you get” no excuses attitude!

Our products have been out since June of 2017.  Right from the start people were realizing massive results in their various businesses.  Like most new companies we did realize some growing pains. In fact, the corporate team was dissatisfied with their original platform and elected to scrap it for a significantly upgraded proprietary platform.  Some people were frustrated but most saw and continue to see the vision and possibilities that the Asirvia GO Services can offer.  It really levels the playing field from companies that have Coca-Cola marketing budgets to the average business owner who just wants to get a greater number of eyes on their business.

But wait there's more …….  I said new platform so let’s take a look at what that entails.

The new GO devices have an on/off button in case you are in church or at a wedding and don't want to broadcast your messages or ads. The setup is as easy as 1 – 2 – 3.  In the replicated website all customers and affiliates receive … it’s possible to create as many messages with links as you please and then attach them to any of your GOs you wish. Messages are attached instantly and can be edited or changed at any time with the GO BASIC service. The best part is you can split test your messages/websites by using different messages on multiple GOs. It’s important to track results and the GO Services platform shows a week’s historic plus real-time exposures your business is receiving in the dashboard section daily! It is truly remarkable how this all works.  But it gets even better!  There is a GO PLUS add-on you can order at any time that allows you to upload a picture of your product or service and create a simple ad which will pop up in the notification in place of simply forwarding to a website or opt-in page. AND JUST ADDED…YOU CAN NOW UPLOAD A YOUTUBE VIDEO TO CREATE A VIDEO AD.   The picture/video gets far more attention right away and allows you to add your location, website, phone number, share it to social media such as Facebook with one click and even save the ad to the wallet in an Android or iPhone! At the bottom, in tiny print, of the GO PLUS service ads, it says “advertise like this” … so whether this is shared to social media or a wallet, no matter who is interested in advertising like this … when they click on that notice, no matter how many times the ad has been shared, it will automatically direct the clicker to originator’s website for sign up. Pretty cool right?

So, let’s talk about costs:

For 3 GOs           $49.00 per month

For 8 GOs            $99.00 per month

Go Plus Add-on Price $19 per GO

There is a onetime $30.00 set up fee regardless of how many you order and a $10 USA & Canada or $30 international UPS shipping fee.

Asirvia – The Compensation Plan

There are two ways to participate in Asirvia

• Customer
• Affiliate / Independent Rep

Customers simply buy the services they would like and there are no other requirements except that they keep their subscription up to date and they have the ability to use the service as long as they choose with no lock-in contracts.

For affiliates, there is a $29.97 per month affiliate fee which includes the business center and Asirvia Success System which is an elite marketing system that would amaze even the most studious techy or geek.

The Asirvia Business Center is comprised of many elements that are all designed to do one thing – support our Affiliates and Independent Representatives to grow their business.

The Asirvia Business Center includes the:

• Asirvia Backoffice Management System (to manage your team and track your business growth).
• Asirvia Resource Center (for the most recent updates, news, resources, tools, FAQ’s, videos, events, leaderboard, social media links and a downloads section for guidelines and templates).
• Asirvia Marketing System (a complete turn-key marketing and training system to help you promote and market your Asirvia business to your established contacts, new contacts, and any target market. The specific focus of this automated marketing system is to attract, engage and acquire new customers and affiliates to your business).
• Asirvia Success Club (a Facebook community of Asirvia Affiliates and Independent Representatives who help each other and recognize the achievements of their fellow peers).
• Asirvia Tool Store (for Asirvia approved Sales Tools, Apparel and Branded Materials to help you launch, promote and build your Asirvia business).

Additionally, Affiliates and Independent Reps have an incredible incentive/compensation plan.

Here is a training on the Asirvia Compensation Plan:

https://www.youtube.com/watch?v=evtmORcA02M

Asirvia – The Company

Asirvia is a direct sales company with amazing services which are sold through 2 different sales channels – an Affiliate Channel and a Network Marketing Channel.  First, I'll cover our Affiliate Program which is ideally suited for those who are mainly interested in selling our GO SERVICES directly to their own customers.

As an Asirvia Affiliate not only do you have the opportunity to purchase our amazing GO SERVICES, but you also have the opportunity to market those same services and get paid to do so!

First … Asirvia will provide you with a custom link for you to use in your marketing.  That link will allow customers to purchase the GO SERVICES directly from Asirvia while YOU are compensated!

The compensation is very straightforward … As each sale is made on your custom link you will receive a Direct Sales Commission of 25%  … But, that’s not all, every time your customers renew their subscription each month you will also receive a 10% Direct Sale Residual commission.

Taking that one step further … if you find a person who would also like to be an affiliate with Asirvia you will receive a 5% monthly override on all their customers’ renewals.  10% of your personal customer subscription renewals … and 5% on the customer renewals for all affiliates you personally refer to Asirvia.

Earned commissions will appear instantly in your eWallet within your personal Asirvia Business Center and are available in 7 days to use within the Asirvia system on your own personal GO SERVICE renewals …  OR … you will be able to transfer earnings to an Asirvia branded pre-paid debit card as you see fit.

It's important to understand that affiliate programs containing both Direct Sales Commissions and ALSO Direct Sales Residuals are indeed very rare but Asirvia believes they are deserved!

Here's a look behind the scenes at Asirvia:

Independent Representative

Our second Sales Channel is ideal for those who want to use Asirvia’s GO SERVICES not only to produce personal sales but to build teams and create leverage as an Independent Representative, referred to as IRs and it is ONLY available to those folks who produce results!

As an IR … a person must make and maintain a minimum of 3 retail sales and have least one active Affiliate in their first 90 days.  Anyone not able to complete or maintain these very simple requirements within their first 90 days and beyond will be listed as an affiliate and have the ability to raise themselves to IR status as soon as they meet the IR requirements which again are only 3 active retail customers and one active affiliate.

IRs have full access to our ENTIRE Asirvia compensation model which is broken down into 4 distinct sections.  It’s important to note that all commissions will appear your eWallet located within your personal Asirvia Business Center and are available in 7 days.

1 – Direct Sales Commissions

The IR making or referring the sale receives a 25% DSC

PLUS … UPLINE IRs receive a10% match to that commission for 5 generations of sponsorship!

AS your teams grow so do your Direct Sales Commissions!  Think about this as an example …  for every $100 sale, you make a 25% commission … so that's a $25 Direct Sales Commission … and as your team begins to make those same sales … you receive a 10% matching commissions for 5 generations … that would be a $2.50 match rolling up to you as your team makes new $100 sales each day, week, month … The bigger your team … the more potential matching pay!

2 – Direct Sales Residuals

As monthly subscriptions are renewed each month … IRs will receive a 10% residual on all personal sales

That’s not all … they will also receive 4 MORE generations of residuals …

5%, 2%, 2% & 1%!

3 – Daily Base Pay

Many people are familiar with the term Base Pay … it usually refers to a fixed amount that an individual receives on a weekly or monthly basis and then based on other criteria they can earn additional money.  Very common in the Direct Sales industry.  Asirvia took it one step further … instead of monthly or weekly Base Pay, we have converted it to DAILY … why?  If you work hard, increase your team sales and advance in rank … WHY?! Should you have to wait an additional week or month to get your increased Base Pay?

… Exactly … you should not have to wait.  So Asirvia literally adjusts your base pay base on your current qualification each DAY from $1 a day to 4, 10, 20 … up to 100, 500, 1000, 3000 and eventually they will add more levels when it becomes necessary!  So think about it this way … increase in Rank … increase in DAILY BASE PAY!

NOW … If the Daily Base Pay didn’t excite you enough Asirvia did something that no one expected!

4 – A 5 Generation Matching Bonus – WOW! …

I know right … it sounds good but what does that mean?  Think about this … as you hit the very minimal level of Associate … you will begin to receive a 25% match on all your personally sponsored IRs Daily Base Pay!  Whatever their Daily Base Pay is YOU will receive 25% of that amount each day.  You are NOW fully invested in your team’s success!

To take it a step further … as you climb in rank you will begin to earn a 10% match on your second generation and as you continue to climb in rank there are 3 more generations of 5% matching commissions!

To give you the vision of what this could mean to you … how many potential check matches you could possibly receive … Think about this …

How many people will you refer?

How many will they refer on average …

how many will they … how many will they … how many will they?

Based on your efforts and that of your team … this number could be big … could be huge … as I’ve said many times! … it is completely up to you!

Can you say extra incentives???   … There is a bonus to help IRs get off to a quick and smart start!  It’s called the GO Getter Bonus … it’s broken up into 3 stages and IRs can earn one, two or all three stages.  Many companies have a 30-day fast start bonus program … Asirvia has a 30, 60 & 90 day GO Getter Bonus that pays $500, $1,000 & $1,500 … It’s possible to earn all of them for a total of $3,000 within YOUR first 90 days!

AND recently added…the Asirvia Vehicle Incentive Bonus. You can earn $500 monthly, $1000 monthly, or $1500 monthly as you move up in ranks to drive an Audi of your choice within 4 years new.

Asirvia's very lucrative compensation plan & bonus structure are powerful and fair to IRs of all different abilities … finally leveling the playing field for those wishing to be true network marketing professionals.

Asirvia just celebrated their 1 year anniversary in business. We joined the company on May 10^th and just celebrated our 6 month anniversary with Asirvia!  With a 6-figure income, an incentive trip already taken, and the Audi vehicle shopping in full swing…we see a very bright future here for anyone who loves technology, marketing, and helping others succeed!  Why work with one network marketing company when we get to work with all of them!!

Tina Malsom and Kelly Vincent

Director Rank and Master Reps

www.bluetoothbiz.com

asirvia.com/gladiator

www.kellyvincent360.com

www.tinamalsom360.com

913-205-7945

The post Asirvia Review appeared first on Insider Business Reviews.