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MLM Feeder Program

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What is an MLM feeder program? What it does and how can help a network marketer whether seasoned or just beginning?

To take it from the start this feeder programs started as a necessity and a clever way by some marketers to get more value from their advertising and don’t lose their prospects. Those networkers were already involved in an MLM business in which they were concentrated and put most of their effort. The problem was that some of the companies had a high entry cost that most of the prospects couldn’t afford or didn’t want to pay. This resulted to low conversion rates and as a result a high ratio of advertising dollars per new customer or member.

In order to solve this problem and don’t lose their prospects for ever they started using other programs with low entry cost to offer to them if they were unable to join their first opportunity. Some of them would find the second proposal interesting and become part of it.

What this network marketers accomplished was to keep communication with the people that joined the second company and have the chance in the future to also make them distributors for their primary business. What’s more was that they were able to build a second stream of income, at the company they used as a feeder, with the same budget. As you can understand soon this method took of and many of the top network marketers started using it.

That feeder method wasn’t immune to side-effects and for sure it created some problems. First, the distributors who used this method no matter how little time they spent on the feeder program they have to pay attention at two programs that at some extent it was diluting their efforts. Second, they were helping someone to succeed in one business with the end result being moving him later to similar or not so similar one which could ruin all the work he might have done in the feeder program.

Today things are better in this field. Although many people still use the method mention above these days many companies create their own feeder programs. By doing that they help people who can’t afford the initial cost to join to do it at a fraction of that within the same company so to solve the above problems. That way they keep their distributors focused while giving more choices to their prospects without the need to sidetrack them to other opportunities. As you can understand this is a win-win situation that benefits all the involved parties and increases the success rate of the company’s members and the future success of the company as a whole.

More than that there is even independent companies who are created by their founders with the purpose to serve as feeder program for another company. Those two companies have no other connection other than the owners of the feeder are usually distributors for the ‘parent’ one.

The concept of the MLM feeder program is on the rise and the number of companies that use a feeder though small today it will increase in the future. Where we see the most growth today is in independent businesses that run as a feeder for another company and they come to fill a void as many distributors want to utilize them in their marketing efforts.



21 Will Tips to Improve Your Estate Planning

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Most adults believe making a Will is a good idea and is something they should do. For a variety of reasons over 50% of UK adults never actually make a Will. Of those that do make Wills as much as 50% are either invalid or not fit for purpose. Getting through the process effectively has a number of potential pitfalls.

Here are 21 pointers to help you navigate the problems and pitfalls:

1. Make a Will. Without one you will die intestate and the Law decides who gets your assets and in what proportions.

2. Observe proper signing procedure. The most common reason for declaring a Will invalid is incorrect signing procedure (attestation). Two witnesses must see the testator sign the Will and sign a declaration stating just that.

3. Witnesses should not be beneficiaries in the Will. If they are, the Will is still valid but any inheritance in the Will is struck out!

4. Appoint at least two Executors. By all means appoint your spouse or indeed anyone but have a second Executor or a reserve Executor in case the first choice is unable or unwilling to act.

5. Choose Executors wisely. Executors will be responsible for administering your Estate. They need to be trustworthy, willing and able.

6. Consider appointing a professional Executor. If you have complex affairs or cannot choose the ‘right’ member of your family it might be a good idea to have a professional Executor. there will be a cost to this service but it could prove cost effective and save family arguments.

7. Know the value of your Estate. Many people have life insurance and death in service benefits that swell the value of their Estate to a level where Inheritance Tax issues need to be addressed.

8. Ensure your children will inherit. If a parent remarries or buys property jointly with a new spouse or partner that property is owned by the new partner and will not fall into the parent’s Estate for inheritance purposes. Own property as tenants-in-common and leave it to the children subject to the life interest of the spouse or partner.

9. Appoint Guardians. If you have children under 18 years old appoint Guardians in your Will. If you don’t and the worst happens your minor children will be put in the care of Social Services until a Court decides who gets custody.

10. Use special Discretionary Trusts for disabled children. The right type of Discretionary Trust will provide the optimum support for your disabled child without reducing state benefit entitlements.

11. Common Law Marriage is a myth. There is no such thing in English law, so if your partner dies you will inherit nothing without such provisions in a Will.

12. Marriage can invalidate your Will. Unless your Will is made in contemplation of marriage your Will be invalidated by marriage. You will need a new Will!

13. Divorce does not invalidate your Will. However your ex-spouse is treated as if s/he has died. The effect may be that you would be intestate or partially intestate. You should get a new Will.

14. Plan to avoid Care Home Fees. With careful lifetime planning, ensuring jointly owned property is as tenants-in-common and suitable Will trusts the asset draining costs of Care Home Fees can be avoided or mitigated.

15. Be careful if you are leaving someone out of your Will. Your wishes may be subject to challenge in the courts. If you do not want a child or other dependent to inherit give reasons in a ‘Letter of Wishes’ to be kept with your Will. This may be taken into account in any proceedings and will show that you haven’t simply overlooked that person.

16. Make a Will in any for any country that you own property in. This should help speed up and simplify probate in that country. N.B. there are exceptions, where making a local Will would prove disadvantageous or worse (e.g. the United Arab Emirates which might invoke Probate under Sharia Law).

17. Business and Agricultural Relief. Interests in a business, farm or shares in qualifying unlisted companies (held for more than 2 years) and let farmland held for more than 7 years qualifies for 100% Inheritance Tax relief. Assets used by a qualifying business or company, or a controlling holding in a listed company will qualify for 50% relief.

18. Never alter or tamper with your Will. Any damage or alterations may invalidate your Will.

19. Don’t gamble on a D.I.Y. Will. If you use a professional to draft your Will who is trained, qualified and has Professional Indemnity insurance you can achieve the peace of mind you want and need. If you go down the D.I.Y. route and then make a mistake you will have saved some money but to what end? There is no comeback and your surviving loved ones will not be thinking about the few pounds you saved.

20. Keep your Will safe. If you die in a fire your will may go up in flames too. Making a Will is stage one – it needs to be available when it is needed. Consider taking advantage of secure storage options to ensure it will not be damaged or destroyed.

21. Let your Executors and beneficiaries know where to find the Will. This can be achieved through secure storage with storage certificates provided for the Executors. There are also internet registration options which may prove particularly useful with larger families who have spread to far off places.

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Do I Need a Termite Bond?

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Recently a client asked me this question while we were previewing a home. Living in the south where termites are a major problem, my response was it is always advisable for a buyer to have a termite inspection. While they are typically required by the lender, technically in Georgia, a Termite Bond is not required to sell a property. However, I always do my due diligence and advise my buyers to obtain a new or assume an existing bond.

A Termite Bond is a contract between a homeowner and pest control company, effective after an inspection has been accomplished and any treatment performed. Treatments for termite recurrence are free for the life of the bond. An annual inspection is typically included and many companies also provide damage compensation (they pay for repairs/replacement) if the termites did damage.

The seller indicates on the sellers disclosure whether they have a transferable bond or not so there shouldn’t be any confusion on whether or not one already exists. As a buyer, you’re spending a lot of money for the home, why not have the peace of mind knowing your home is termite free? With termites, if you don’t pay for protection now, you will definitely pay more later!

So, what are Termites?

Termites are small burrowing insects that feed on wood (the cellulose). There are over 2,000 species but they can generally be grouped into four categories: Dampwood, Drywood, Subterranean, and Formosan.

Dampwood Termites are found where there is a high moisture content like in forests or near ponds. They are typically not found in homes.

Drywood Termitesdo just that, they attack dry wood. Wood above the soil level is susceptible to infestations, such as attic framing. Sealing all structure cracks will help keep these pests out.

Subterranean termites live in large colonies and build mud tubes to attack wood and protect themselves from open air. With up to 2 million members per colony, they are the most destructive species.

Formosan Termites are the most aggressive subterranean species and can collapse a building if left untreated long enough. Difficult to control, prevention is the key with these wood lovers.

Tips to help avoid termite infestations

  • Get a Termite Bond and have regular inspections
  • Move all untreated wood products away from the house and avoid wood-to-ground contact
  • Eliminate water leaks and fix any cracks/holes in the foundation
  • Keep gutters/downspouts clear of debris and avoid rainwater buildup wherever possible
  • Basement, Crawl Space, and Attic should be well ventilated and dry
  • Avoid wood mulch and keep all vegetation away from the foundation
  • Treat exposed wood and/or paint where appropriate
  • Screen your vents…termites can fly

Fun Termite Facts

  • Termites look a little like ants but are most closely related to the cockroach
  • The termite is the most destructive insect in North America
  • Termites cause billions of dollars of damage annually in the U.S.
  • The queen can live up to 30 years, laying hundreds of eggs each day
  • Termite nests can be 20 feet high and hold well over a million insects
  • The colony eats 24 hours a day, every day
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The 15 Costly Mistakes That Could Ruin Your Workers’ Compensation Claim

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During more that 30 years of helping injured workers collect full workers’ compensation benefits, I have seen others make common mistakes that cost them a lot of money.

I discuss 15 of these errors below.

By recognizing and avoiding these common errors, I am confident that you will be in a better position to collect more money for your claim.

To help you avoid these mistakes, I have categorized the 15 most common mistakes and present them to you.

I am confident that after reading this article, you will have a better chance of collecting full payment for your workman’s compensation claim.

1. Failure to Report the Accident to Your Employer.

North Carolina law requires that a claim be reported to your employer in writing within 30 days from the date of the injury. Although in most cases you could proceed with your claim even if you do not file a written report in 30 days, these reports should be filed in writing immediately

2. Failure to File a Claim with the Industrial Commission.

North Carolina law requires that a claim be filed with the North Carolina Industrial Commission within two years from the date of the accident. In the case of occupational diseases, the claim must be filed within two years from the date the worker became unable to work With respect to occupational diseases, the filing requirements vary. Unless your employer has agreed in writing to be responsible for your workers’ compensation claim, you are at risk if you fail to file a written claim with the Industrial Commission within two years.

3. Failure to Inform the Doctor of the Details of Your Accident.

If your medical records do not reflect the fact that you have been in an accident, your claim may be suspect. Insurance companies use any excuse they can find to deny your claim. The absence of any information in your medical records about your accident may give them the excuse they want

4. Failure to Keep a Job Search Log.

The worker has the burden of proving that they are unable to work as a result of a workers’ compensation injury or occupational disease. One of the best ways to prove that you cannot work is to show that you have honestly tried to work but were unable to find and maintain a job.

5. Failure to Fully Inform Your Lawyer of All Facts.

Workers’ compensation cases are difficult enough to handle successfully, even when a lawyer has all the facts. If you do not fully inform your lawyer concerning all facts, the good, the bad and the ugly, you severely handicap your lawyer’s ability to win the case for you. Many facts which you may feel to be adverse can be successfully handled. Do not short change yourself by keeping your lawyer in the dark.

6. Failure to Fully Cooperate with All Vocational Rehabilitation Efforts.

The point at which the insurance company hires a vocational rehabilitation specialist to actively become involved in trying to find a job for you is probably the most critical point in the claims process. You should not attempt to deal with the rehabilitation process without the assistance of an experienced workers’ compensation lawyer. Vocational rehabilitation counselors, in the vast majority of cases, are not on your side. It is their job to terminate your benefits, either by your becoming employed or by taking advantage of your failure to cooperate, thereby have your benefits terminated. It is in your best interests to return to work at suitable employment. You should, therefore, fully cooperate with all reasonable vocational rehabilitation efforts.

7. Failure to Accept Suitable Employment.

It is in your best interest to accept suitable employment whether at your prior job or at a new job that may be presented to you. The law does not (and should not) allow a worker to collect workers’ compensation benefits if they can work. On the other hand, you are not required to accept any job that your employer or their vocational rehabilitation worker finds for you. The work must be “suitable” to you based upon your physical limitations, age, education, training, and experience. It is important to work closely with an experienced workers’ compensation lawyer to help you determine whether any job offered to you is suitable

8. Failure to Anticipate That You Will Be Followed and Videotaped.

It is a mistake to assume that you will not be followed and videotaped by private investigators. Insurance companies would rather pay money to private investigators and lawyers than pay it to you. You should assume that a private investigator will be watching your every move outside of your home. They may even look inside your home.

9. Working outside Restrictions When You Return to Work.

If a doctor allows you to return to work but conditions your return to work on certain restrictions such as not lifting above a certain weight, or raising your arms above your head, you should follow these restrictions explicitly. When you return to work, there is a temptation to follow your supervisor’s instructions even if those instructions would have you working in excess of the limitations your doctor imposes upon you. This is a serious mistake. Carry the doctor’s written restrictions with you when you return to work and, if your supervisor tries to coerce you into working outside of those restrictions, give another copy of those restrictions to your immediate supervisor and politely tell that supervisor that your doctor will not allow you to work outside those restrictions

10. Settling Your Claim without the Benefit of an Experienced Workers’ Compensation Lawyer.

It is a serious mistake to assume that your employer and its insurance company will treat you fairly. You should understand that in the vast majority of the cases, they will take advantage of you if you let them. Your employer and its’ workers’ compensation insurance company have on their side professionals who thoroughly know North Carolina workman’s compensation law. They are looking after themselves, not you. Always seek the advice of an experienced workers’ compensation lawyer before you sign any agreements.

11. To Assume That Rehabilitation Counselors Are Your Friend.

Rehabilitation counselors are working for your employer and the insurance company. They are not working for you.

12. Allowing the Employer to “Doctor Shop”.

If your employer accepts your claim and agrees to pay, they do have a right to direct your medical care. However, once your medical providers have been established, they cannot switch you to another doctor without the permission of the Industrial Commission. Insurance companies like to have you seen by doctors who they can count on to “sing their song”. Do not allow them to do this. If your employer or its insurance carrier attempts to switch you to another doctor, consult an experienced workers’ compensation lawyer immediately.

13. Failure to Consider a Second Opinion.

The law allows an injured worker to obtain a second opinion if the worker is not satisfied with the opinion of the doctor concerning the nature and extent of your disability. You should consider asking for a second opinion. However, it is not always wise to ask for a second opinion. This decision is case specific. You should consult with an experienced workers’ compensation lawyer to help you decide whether you should ask for a second opinion.

14. Assuming That the Compensation Rate Set by the Employer is Correct.

Most of the benefits you are entitled to receive from your workers’ compensation claim are based upon your average weekly wage. The average weekly wage includes the gross amount of your pay before any deductions. Average weekly wage may also be increased because of certain allowances your employer may provide such as a housing allowance. Do not be short changed by settling for an incorrect compensation rate.

15. Failure to Seek Medical Care.

It is common for an injured worker, especially a male, to try to “shake it off” after an injury not get the medical attention they should have. It is not unusual for a person to have significant injuries without realizing it. If an injured worker waits several days or weeks before seeking medical attention, the claim is suspect. This delay in treatment gives the employer still another excuse to deny the claim.

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The Australian Stock Exchange and the General Economic Trend of the Global Economy

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The Australian Stock Exchange Ltd (ASX) operates Australia’s federal exchange for equities/stocks, derivatives along with fixed interest securities, such as bonds. The central exchange also puts up comprehensive marketplace data plus trading information to a broad scope of traders, stockbrokers and charges.

A stock exchange is a shared governance which puts up trading installations for brokerages and dealers, to barter in shares and other investments. Stock market exchanges also offer facilities for the publication and redemption of securities including other fiscal instruments and capital events including the payment of income and dividends. The securities dealt on the exchanges market include shares released by companies, trusts, derivatives, pooled investiture products and bonds. To be able to deal in a security on a certain stock exchange marketplace, it must be listed there. Usually there’s a central location at least for information filing, but trade is slowly removing itself from a real life location, as cutting-edge market places are electronic networks, which renders them vantages of speed and charge of transactions. Trade on any exchange is by members only. The premier extending of stock and bonds to trade investors is done within the primary marketplace and subsequent dealing is complete in the secondary marketplace. A stock exchange is frequently the most important part of a stock marketplace.

The history of the Australian Stock Exchange initiates with these 6 capital exchanges that were established in Perth, Hobart, Melbourne, Sydney, Adelaide, and Brisbane. From 1903-1937, these state exchanges begun assembling on an unofficial footing. By 1936, Sydney moved forward by formalizing the association and in 1937 the Australian Associated Stock Exchanges was instituted. The constitution of the AASE put down the base rules for the listing of groups, brokerage houses and the working conventions of stock brokers and their businesses. On 1st April, 1987 the Australian Government broke down legislation shaping the Australian Securities Exchange Ltd. (ASX). Constituting an all-Australian exchange officially tied together the 6 individual stock exchanges functioning in the cities.

The stock exchange market might seem cryptic, but the inward workings of the marketplace are no hidden secret. Have you ever been to an auction? When you pay for an object at an auction, you will not be purchasing from the auctioneer. It is the auctioneer’s problem to link up buyers with sellers, and to pull in the strongest price for the seller. Since there’s no fixed price for any auction sale item, the agreed price is defined by the amount that a buyer is happy to sacrifice. The stock exchange markets operate in a synonymous manner. It’s an auction styled marketplace, and the broker is a mediator who aims to meet buyers and vendors of stocks and shares.

The Australian Stock Exchange is a completely electronic stock exchange, applying SEATS (Stock Exchange Automated Trading System) for the transferring of stocks, fixed-interest securities, warrants, company-issued options and rights. By employing this scheme, orders may be laid online via a broker and when a purchase and sell meet, the deal is instantly performed the 5 most popular traded groups on the Australian Securities Exchange include Regis, Telstracor, Redport, Quantas, and Sherlock. The S&P/ASX 200 index is ingrained as the benchmark for the Australian’s equity market. The S&P/ASX 200 is made up of the S&P/ASX 100+ an extra 100 stocks. The S&P/ASX 200 index also courses the cornerstone for the ASX Mini200 futures contract. The Australian Securities Exchange operates the Australian Stock Exchange and the Sydney Futures Exchange and allows for trading in securities and derivatives, such as warrants, futures, options and shares. ASX also offers market data, for example stock evaluations, and correlated info in addition to stock exchange market announcements and market place training. Market options on major stocks are switched on the Australian Securities Exchange, with standard groupings of strike prices and expiration dates. Liquidity is put up by market makers who are obligated to provide quotes. Each market maker is assigned 2 or more stocks. Each stock can have umpteen market makers, and they all compete for business with each other.

The interest rate marketplace on the Australian Securities Exchange is the arrangement of floating rate notes, bond-like preference shares, and corporate bonds listed on the market exchange. Those sureties are are exchanged and settled the same as ordinary stocks, but the ASX offers info such as their interest rate, maturity, etc to help in the comparability. The ASX provides school pupils the opportunity to artificially commit fifty thousand dollars into the stock market, and track its advancement over many months. It permits the scholars purchase and trade as normal, utilizing rates from the up-to-date share prices. At the stock exchange, prices of shares rise up and fall reliant, for the most part, on market place forces. The price of shares usually grow or remain well-balanced when the business sector and the economic system exhibits signs of stability and development. An economic recession, depression, or financial crisis could finally finish in a stock price crash. So, the movement of stock prices and in general of the stock indexes can be a good estimate of the general economic trend.

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A Shortcut to Stock Trading Success – Learn to Trade Stock Easily and Make Money the Easy Way!

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When you made your first attempt to trade stocks, one of the things holding you back might be the stock picking problem. Hence, you are keen on searching for ways to learn to trade stock. You might have stumbled upon some hard ways and yet to find a simple way to trade stocks.

Most of us had the impression of where we should be researching and analyze every single details of a company before investing in it. Occasionally, we had even being encouraged to rely heavily on technical indicators and technical materials. Focusing too much on the technical indicators could somehow bring much more confusion to a trader and thus not making a precise decision while trying to pick a stock to invest in. This is how we often overlook on some obvious great opportunities lying in front of us.

Being an analytical person, doing as much research, focusing much on technical indicators, might not be good strategies for everyone. I like to keep things as simple as possible for myself, yet making a decent amount of profit throughout the trading session.

The Shortcut Method

Learn to trade stock with the hidden method that I have found, be confident when you pick stocks, be discipline, organizing a good money management strategy, you can be rest assured to earn around 50 – 70 ticks per day (ranging around $50 – $700 or more per day, depending on your amount of investment). Now how do you get this result? The real shortcut way to do it, is to trade the gap differences of a stock index (and you need to trade within the first 30 minutes after the market opens!). Besides that, do not forget to set a stop loss, along with an exit point. That is what you really need to do, to make that kind of profit.

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A Review of the MXI Corp (Xocai) Income Opportunity

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MXI Corp (whose name stands for Marketing Xocalate International Corporation) is a company that is based out of Reno, Nevada. One of the more popular and heavily marketed divisions of this company is called Xocai. Xocai’s product line is made up of a variety of dark chocolate “treats” full of antioxidants that include X Power Squares, Xocai Nuggets, Protein Bars, Activ, and Omega Bars. There are also variety packs and gift boxes available for purchase.

There are opportunities to earn an income from Xocai and MXI Corp by becoming a Xocai Distributor. To become a Xocai Distributor there is an association fee of thirty five dollars. Many distributors like to call this the Xocai “club membership” fee. Once you join, you can earn income in a variety of ways. The two major ways are 1) to buy cases of Xocai products at wholesale prices and then sell the individual pieces at retail value and 2) to set up a down line and earn a commission from the sales of your down line.

With most multi level marketing programs, one person recruits a few people to work for him or her. Those people then go out and recruit a third set of people. This continues on, each group of people recruiting another group of people, and so on. This is called a down line. All of the members of a down line make sales. The members keep a portion of their sales and the rest of their profits get distributed up the down line. The head of a down line might earn five percent commissions off of their first level in the down line, four percent off the second level, three percent of the third, etc.

With Xocai, however, all Xocai down line members are treated as a single level, regardless of who recruited them and the head of the down line makes an average of the profits. This can be both good and bad because with other down lines, the head is guaranteed to make at least something. The Xocai method however has changed things so that if only some members of the down line make a profit, the original associate’s commission is diminished considerably. The most an associate will ever earn is fifty percent of all commissionable profits. This means that, in order to make enough with this business plan to be financially stable, an associate has to be incredibly careful about who gets recruited. This is not a MLM program that does the work without much effort. Another negative in the Xocai method is that all associates are required to have at least one level of down line and activate at least two more associates who will work under them.

While there are several methods of earning available with Xocai, you should beware of the MLM aspects of this program. It looks all good on the top but there are details that aren’t so friendly.

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