Don’t Dream MLM, Live It

You may have been looking at various MLM ventures and want to join one, but there seems to be something bugging you. The nag is at the back of your mind and you cannot seem to shake it. You have worries and fears about joining a business that seems to have an equal amount of fans and enemies. The fears and the constant nagging of negativism can only hold you back so far. There are too many what if’s involved and why miss something that you want to do. It makes little sense to give in to the naysayers. You have done the research, spent the time chatting and emailing various recruiters. Now you cannot decide what to do and here you are, looking for more advice.

Overcome the Fears of MLM

You may have a certain level of fear that is hampering you from joining an MLM opportunity. It is OK to have a certain natural resistance to something new. Life is about change and change can scare the beans out of most people. While it can be difficult to take a step forward, if we do not, we may never truly fly. How much do you want a better life? A life that is open and free to your own interpretation and not to others. Overcome the fear and jump into the sky. Your chute will open; you are not alone on this path. Others want a better situation, a future free from oppression. “De Oppresso Liber” or “To Free the Oppressed” comes from the U.S Green Berets. Liberate yourself from a dull life, take that step forward or be left behind.

Find the Right MLM Opportunity

If you have decided to move forward, congratulations are in order. If not, the rest of this post is not for you. Now there are plenty of MLM opportunities on the internet that are solid and good, but only one may be the right fit. You will have to narrow down the prospects carefully, create a list of what you want and a list that you do not want from an opportunity. This will help you find the right ones to pursue.

Living an MLM Life

After signing up and completing training, you are free to live a full and enriching MLM life. While the journey may have been rough to get here, it is still easier than becoming a Green Beret.

Matt Lloyd and MyTopTierBusiness

Matt Lloyd is the “master mind” behind the MOBE (My Online Business Empire), IM Revolution and several other online offers.

Of course, all the “reviews” of the product are Affiliates trying to sell it.

I’m not, so I will give you an honest opinion.

Matt Lloyd, unlike most of the “gurus” out there, has had some success online and claims to make hundreds of thousands a MONTH with his methods and also promises to “reveal” these methods to you, but for a HEFTY price.

Matt Lloyd does have some good information and a lot of it, of course depending on what level you choose to participate. His “My Online Business Empire” program ranges from around $500 all the way up to $20,000!

Now, I have been doing online marketing for about 15 years, full time, and I have seen HUNDREDS of programs online that make the same type of promises, most of which are hogwash, and they all seem to be centered around affiliate marketing.

Obviously, you have to sell something and most folks don’t have a product laying around that they want to sell, so… as far as M.O.B.E is concerned, the course itself is what you will be selling.

That means that YOU will be out there competing with others who have forked over, perhaps $20 Grand, and who are willing to spend a lot to make that back.

In terms of information, again, depending on the level you join, there is so MUCH that it will take you a LONG time to go through it, much less implement it.

Matt Lloyd’s program is based on the “funded proposal” which has made some people a lot of money, will it for you? MAYBE, if you have the money and the time to spend doing it. He shows you A LOT of things that you will be buying, lesson after lesson, which will take you TONS of time, so this isn’t making money in a couple of days. That is not to say that you will never make money if you put in the WORK.

Jonathan Budd, a guy that upsells, upsells, upsells, endorses this and Matt is supposed to be one of his top students, so guess what? Matt Lloyd will do the same.

This introductory video is VERY long and is trying hard to convince you. THAT is a sign of more expenditures to come. Will you get a lot of good information, which if you could REALLY implement it you might make some money? Yes. However, know this: There are thousands and thousands and thousands of people trying to make money with Jonathan Budd’s methods, some do, the majority do not.

I am not a member of M.O.B.E., but a VERY good friend of mine is and he is also a very experienced, hard working marketer and he has made a little money with it, but honestly, nothing close to what he spent.

Medical Emergencies: Leading Cause of Bankruptcies in America

There are several reasons people file for bankruptcy. What may come as shocking news is that most people are a SINGLE major health issue away from considering bankruptcy as an option. How can this be when majority of families have some form of health insurance? For one thing, it all depends on a number of circumstances. Here are a few examples of what needs to be considered:

• What type of insurance you have
• What sort of medical issue you have
• What is the co-pay percentage

Medical bills are actually the biggest cause of bankruptcies within the United States. In 2013 alone, almost 2 million people had filed for bankruptcy citing medical bills as their reasons. Even health insurance provides minimal help in preventing these cases.


One reason is that the average co-pay in most plans is 20%. This works out well for check-ups and minor injuries but if you happen to contract a major illness or get in a serious accident, you could possibly rack up a bill over $50,000 where you would need to cover 20% or $10,000 along with the deductible. For just about anybody, this would be a life-changing tragedy that necessitates seeing a bankruptcy lawyer.

Who are affected?

Of those who have stated medical bills as their reasons for filing bankruptcy, 78% of them had medical insurance of some sort. Most of those affected were educated middle-class families. 1 out of 5 Americans will face problems paying medical bills this year. Accidents and life-changing diagnosis can happen to anybody.

Even with proper savings and good spending habits, the burden of some medical bills is simply too much for most people to handle. This is a problem that an estimated 56 million Americans will need to face this year alone.

What can happen?

Seeing as most health care institutions employ their own means of collecting debts, overdue health bills are treated the same way as other types of debt regardless of the fact if you are now incapable of maintaining your job due to your health issue. You can expect similar means of debt collection such as multiple phone calls, court ordered actions, and other harassing techniques.

How to address the issue?

Bankruptcy is, and should always be, considered as the final option and should only be seriously considered once all other options are exhausted. Lawyers that specialized in bankruptcy are also experts when it comes to finding working solutions for debts. Your best course of action would be to seek the assistance of a bankruptcy lawyer as soon as you are facing a massive medical bill.

The common belief is that credit card debt or mortgages are the main causes for filing for bankruptcy. Most people are caught blindsided by such big bills that they find themselves at a loss for what to do. Simply having the knowledge that 3 out of every 5 bankruptcies are caused by medical bills is already a good start. Knowing is always half the battle and it always beats being caught off-guard.

Why You Need Liability Coverage From Your Insurance Company

Who is responsible to prime the pump and fill the top of the funnel? Many agencies and brokers expect their sales team to cold call, network, and send emails to build their own pipeline, and fill the top of the funnel. It reminds me of the old slogan, “Let your fingers do the walking”. The slogan referred to the Yellow Pages, the omnipresent database of the time. Regardless of the database used, be it the online Yellow Pages, Google Pages, or an internally generated prospect list, the question still remains. Who is responsible to fill the pipeline, and what’s the most likely path to success.

Today insurance lead generation encompasses many new tools to help producers prospect, including eMarketing, Social Media Marketing, Blogging and Web Seminar Marketing, in addition to traditional cold calling and networking. Agencies and brokers must also add their website to this mix of tools, as many broker websites are out of date, difficult to navigate, and are not mobile compliant. The mobile compliance issue is very significant, as mobile searches are now exceeding PC based searches.

Many producers find these new web marketing tools, and in general the lead generation aspect of their jobs, to be arduous and challenging. That’s why so many producers fail, they are not insurance lead generation machines, nor are they savvy insurance web marketers. The results are self-evident, insufficient qualified prospects at the top of the sales funnel, usually translates into inadequate results at the bottom of the funnel.

A better path to success for many agencies and brokers begins with a comprehensive and consistent insurance marketing and lead generation program, providing producers with an influx of quality prospects, so they can spend more time selling and less time prospecting.

Why don’t more agencies invest in these types of programs?

They lack the internal resources necessary to execute these marketing initiatives
They plan on doing this type of marketing and lead gen, but never seem to find the time to get it done
They believe in doing business the old-fashioned way (I built my own pipeline and you can too)
They over invest in sales and under invest in marketing and lead generation
They tried it once and it didn’t work
They tried a short pilot program and didn’t see an immediate ROI

These are just a few of the reasons many agencies and brokers are unable to accomplish their insurance lead generation and top line growth goals. Regardless of the reasons, agency owners and executives should review current and past producer performance and determine if it’s time to refine their insurance marketing and lead generation programs, to improve the path to success for their producers specifically and their businesses in general. Agencies, brokers and wholesalers lacking the knowledge and skills necessary to undertake these marketing and lead generation initiatives can seek assistance outsourcing assistance from proficient insurance marketing agencies as a viable alternative to internal staffing.