Many people have experienced the benefits of a personal insurance agent at some point in their lives but, through time, have allowed that agent to step out of their life. Unfortunately, this can lead to many bad things happening that the people are not prepared to handle, especially financially. A major event, such as a car accident or a house fire, can have a devastating effect on the financial wellbeing of the family.

So what can people to do to counteract this potential financial impact to their lives?

There are five main reasons that people SHOULD have a personal insurance agent to assist them in maintaining their insurance portfolio. Understanding that each person has a different perspective, these reasons should resound with most people.

Reason 1: People can’t keep up with the changes that occur in the insurance industry.

The number of changes that occur each year varies for a few to many. As individual changes, they may not have much impact. Combined together, a series of changes could leave you extremely under insured and allow your income and lifestyle to be subject to the whims of a judge and jury.

Reason 2: The financial impact of a mishap could be devastating, if handled incorrectly.

Most people don’t “plan” to have an incident that affects their lifestyle or their income but accidents DO happen. Something as innocent as changing lanes when there is a car in the blind spot of the mirrors can result in a six figure medical judgment today. If you are not insured to cover the liability, your lifestyle probably will be impacted.

Reason 3: People under-estimate the financial requirements to protect their assets.

Protecting your assets requires constant monitoring. Inflation, new tax rules, depreciation, etc, all have an impact on your asset protection plan. Your personal insurance agent will monitor the changes in the economy to insure that your insurance plan will cover the any financial impact from a covered liability. Hopefully an accident will never occur but, if it does, a personal insurance agent will have a plan in place to cover the liability.

Reason 4: The majority of people don’t understand insurance.

Few people understand what insurance does or even how insurance works. This is true since few agents seem to spend time reviewing their insurance programs with their clients. Unfortunately, the client is the one who loses out in this situation. Having your own personal agent will resolve this problem since your personal agent will want you to understand how insurance works. Understanding the pluses of an adequate insurance program give the client piece of mind.

The bottom line is that a personal insurance agent will give you, the client, the required information to make informed decisions on your insurance program. One insurance agency that agrees with that point of view is the Bill Palte Insurance Agency. Representing Farmers Insurance, the Palte Insurance Agency will provide the knowledge and support to insure that their clients understand how and what does. You can contact the Palte Insurance team at 419-890-1270 or by email at wpalte@farmersagent.com.

Ohio CNC Machine Shops

Machine Pro Technologies, located in Celina, Ohio, is a precision production CNC machine shop that specializes in producing parts for various industries. Current clients of Machine-Pro include leading companies in the material handling, machine tool, nuclear power generation, medical equipment, aerospace, metal processing equipment, food processing, refrigeration and railroad industries.

Since 1994, Machine Pro has strived to be one of the top Ohio CNC machine shops by consistently providing their customers product that meets or exceeds their customers expectations. They provide this value by offering auxiliary services to provide the highest value to their customers. Services, such as machining and assembling prototype parts, pre-machining or post-machining welding, pre-machining or post-machining grinding, and hard turning are provided by Machine-Pro. They also have contract resources to provide additional services, such as anodizing, zinc plating, black oxide coating, powder coating, gear cutting, and heat treating.

If you are looking for parts made from cold or hot rolled steel, stainless steel, aluminum, brass, bronze, nylon, UHMW, and various grades of tool steel, castings or extrusions, Machine Pro should be high on your list of preferred Ohio CNC machine shops.

http://www.machine-pro.com

MACHINE PRO

Located in Mercer County Ohio, Machine Pro Technologies manufactures precision custom machined parts and tools for a large variety of businesses. Founded and owned Tim Klosterman and Randy Balster, Machine-Pro knows the value of providing their customers with high-quality products at reasonable prices. As career machining specialists with more than 75 years of combined CNC machining experience, these gentlemen have built Machine-Pro into a premier custom precision machining enterprise.

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This XOWii Scam Review is an article based on this new company which is trying to establish itself as a contender in energy drink market.  Based on the Kona Red coffee fruit, or coffee cherry, as the company literature lists the main ingredient, this company is listing a variety of drinks to be marketed.

The first of their product line is a drink that is being marketed as an energy drink called XOWii Energy. They are also listing a XOWii Thin and a XOWii Ultra as upcoming products.

The company executive management consists of three gentlemen with extensive experience in the investment and banking industry and a business development specialist with 15 years of health and wellness industry experience. This group is the driving force behind bringing XOWii to the market. The company is striving to enter the exploding functional beverage market and capitalize on the growing excitement.

In reviewing the company literature, there is a serious lack of information concerning XOWii’s training and marketing programs. The compensation plan appears to be similar to the other main contenders in the market. The remaining information appears similar to the other main contenders on the market.

As the basis of this XOWii Scam Review, this author has reached the conclusion that this company is trying to shirttail itself into a market position based on the success of the other contenders.  Based on the information presented by the company, XOWii is providing a very limited profile as compared to the other companies. Much of the data appears to be formatted to mirror the information being presented by others.

The most interesting point appears to be the use of the term “coffee cherry”.  Having some knowledge of the marketing of the coffee fruit, this is quite interesting. Since another company is also marketing the coffee fruit as a functional beverage, XOWii appears to be trying to capture this momentum. Much of the literature provided by the company seems to be a play on the other company’s data.

Is XOWii a scam?  That question is very hard to qualify. XOWii appears to be a company that is trying to be something that it is not.

XOWii appears to be a company constructed by people who understand the new buzz about the functional beverages.  They are trying to capture the hype while it is still fresh on the market.  Because the company executive management has very little functional beverage experience or network marketing experience, it appears to that they are trying to bring in people who have that knowledge and experience. It also appears that the company is just trying to do the minimum that is required just to obtain a market presence.

So, to conclude this XOWii Scam Review, what do you do if you are contacted about joining XOWii?

In my opinion, that is a personal choice. XOWii may be a great company, in time. They are trying to step into an extremely competitive market, network marketing, that has a very competitive product. The coffeeberry® fruit is very tightly controlled by several companies thru several international patents. This fact will make this market very difficult and competitive. Trying to bypass the legal issues will require a significant effort.

If you are looking for a functional beverage company that has an established marketing plan, you need to go to:  http://CBD.MLMIntegrityMarketing.com If you decide to step into XOWii as a beverage company and want to benefit from an established marketing system, go to:  http://MLMIntegrityMarketing.com

Much as been written about the coffee fruit, which is the fruit of the coffee plant.  Most people are unaware that the coffee plant even has a fruit.  They don’t know that the coffee bean is actually the seed of the coffee fruit. Fewer people yet know that up to approximately seven years ago, this fruit was discarded because it would become rancid very quickly.

Seven years ago, a group of people established a process to control this fruit immediately after the beans were removed from it. Next they conducted a series of analysis of this fruit and determined that they had a true antioxidant goldmine.

The fruit displayed an unusual set of properties due to its physical environment, which was high in the mountains, and under the direct sunlight. Because of the sunlight, the antioxidants, called phenolic acids or polyphenols, in this fruit far exceed any other natural fruit. This fruit also contains other nutrients that have benefits scientists are just beginning to study and understand.

Everyone involved with this discovery process was excited because of the benefits of the polyphenols. Some of the expected benefits from the polyphenols include: Neutralizing toxic free radicals, helping to protect against systemic oxidative stress, helping to reduce the incidence of oxidative pathologies such as coronary heart disease, inflammation and possibly even certain cancers, and to provide health benefits associated with glucose management, Type 2 Diabetes and Metabolic Syndrome, depression and anxiety and oral health.

Additional research has led to the discovery that polysaccharides, such as mannans and aribinogalactans, make up nearly 50% of the coffee fruit’s nutritional benefits. This was an unexpected benefit since the polysaccharides are not present in our coffee.  The realization was that the roasting process was responsible for destroying polysaccharides and, since the coffee fruit is processed before the roasting process, they could be maintained.

Further research led to the discovery of what the carbohydrates in the coffee fruit would do for the body.  It was discovered that five of the eight types of carbohydrates are present in the coffee fruit. These five, mannose, galactose, fucose, xylose, arabinose and glucose, are found in unusually high levels and are responsible for aiding our bodies digestive systems.

Based on these fantastic results, a group determined that the coffee fruit needed to be processed in a fashion that everyone could benefit from its properties. One of the results of this discussion was the development of a true functional beverage. This beverage was formulated to maintain the best of the coffee fruit and to include other fruit and vegetable extracts to achieve a true, one of a kind functional drink.

Recent testing by Brunswick Labs resulted in this functional beverage receiving an ORAC value of 114,351 units per liter. This equates to 10,149 ORAC units per one recommended daily three-ounce serving. That is the antioxidant equivalent of approximately 20 servings of fruits and vegetables. As a drink with excellent taste, this functional beverage most likely will become the new standard in functional beverages.

Many people also are aware that the coffee fruit is also marketed by others names, such as the coffee cherry and the coffee XXXry (for proprietary reasons I can’t spell it out). The coffee fruit is currently in a highly competitive market, with everyone wanting a piece of the action, so expect to see many people trying to claim their product is best.

So, where do you go from here? To get your piece of the coffee fruit beverage market, go to: http://tr.im/mynewlife If you are looking for a marketing system to aid in claiming your part of the coffee fruit market, check us out at:  http://CB.MLMIntegrityMarketing.com

This article is credited to the Harvard Business School.

Network Marketing is being taught at more than 200 colleges, including Harvard Business School.  After Extensive research into the network marketing industry, Harvard Business School developed three criteria that a network marketing company must have in order to make it a most desirable opportunity. They are as follows:

1) The company must be at least 18 months old.

2) The company must have a product that is highly consumable. Having a product that is highly consumable means repeated sales, thereby guaranteeing customer loyalty versus a one-time sale and having to source new customers.

3) It needs to be a “ground floor opportunity”. Harvard Business School suggests that in order for the opportunity to qualify as ground floor the number of existing reps must be less than 1% of the total population of the country where the company is operating. In the United States, this figure is equal to 1.5 million people. If the company has less than 100,000 distributors, Harvard Business School considers it to be ONCE-IN-A-LIFETIME opportunity.

In addition, Harvard Business School states there are four distinct stages of growth in a network marketing company.   They are as follows:

1) Foundation- This usually last approximately six months and is when a company develops its products and marketing plan.

2) Concentration-This period lasts approximately 2 to 4 years from when the distributor network is started.

3) Momentum- This period lasts 2-4 years also. This is when the company experiences phenomenal growth and distributorships’ businesses explode. It is during this period that the company virtually sweeps the nation. When a company’s sales reach 50 million, it reaches what is called critical mass(Sales go vertically right off the graph)

For example, when Herbalife reached $50 million, sales jumped to $151 million in only 12 months and they added over 800,000 new distributors to their organization. Say an organization is producing a bonus check in the amount of $1,000.00 per month. When the company reaches critical mass, distributors automatically experience a 10 fold increase in their earnings. In other words a $1,000.00 check per month becomes $10,000.00 per month. This is the reason for getting involved on the ground floor, so you will experience the benefits of explosive growth

4) Stability- This is the period that lasts for the life of the company. A network marketing company that is dedicated to the success of its distributors will experience longevity, thereby insuring that an active distributorship will realize continued earnings growth

So, based on this data, the people that are preaching about waiting until a company is 4 years old lose out on the true, high dollar positions.  If you are NOT in by year 4, you will make money BUT the upline makes SUBSTANTIALLY more money…because of their position.

NOW… do you need another reason to get in??

GET IN NOW:  http://CB.MLMIntegrityMarketing.com

Many conversations have occurred on the concentration factor required to be successful in network marketing. Numerous articles have been written and published on why people fail in network marketing. The net effect of all of this attention is that this subject has been researched, dissected, and preached about.  Although many items occur on the list of distractions, the largest culprit or automatic income reducer appears to be somewhat unanimous and that is the television.

How the term, the automatic income reducer, was derived is really not important and who ultimately coined the word is hard to distinguish but it is an excellent term. What the term represents is one of the reasons that people struggle in network marketing. This term presents an idea that causes people not to concentrate on building their business because they are distracted.

So, is this term hype or is there really something with sustenance here?

Depending on whom you discuss this topic with, many different opinions surface.  The best discussion I have heard comes from Cedrick Harris of Team Takeover Marketing Inc.  His take on this topic is quite interesting. He believes most of the people struggling in network marketing do so because of a very simple calculation. In Cedrick’s opinion, people that have a large number of televisions and / or very large televisions in their home seem to struggle in network marketing.

In Cedrick’s opinion, many people with large televisions and / or a large quantity of televisions in their homes. Unfortunately, every hour that a marketer spends in front of the television is an hour that they are probably not spending on their marketing or their marketing education. Presuming that the average marketer spends 2 hours per day watching television works out to 56 hours per month or 672 hours per year.  Imagine what could be added to a marketer’s knowledge if those 672 hours were devoted to marketing training.  The thought is mind boggling.

Cedrick has a unique point of view concerning televisions and the struggling network marketer.  He believes that the total horizontal inches of televisions in the home should equal the total horizontal inches of marketing training materials in the home. For instance, if there are three 42 inch televisions, that would be 126 inches of television.  If the marketer would have 126 inches of marketing material, that would be a quite large book shelf.  A quick walk through the house would determine if, in fact, that book shelf existed. Very seldom will that book shelf be found.

A different but similar fact seems to put validity into this discussion.  For years, research on wealthy individuals has proven that these people, almost without exception, have large reading libraries in their homes. It appears that the larger the library, the wealthier the people seem to be. Here in lies the eternal “chicken and egg” question, did they person become wealthy because they read many books or did they read the books to become wealthy?  The answer seems rhetorical but the result is the same.  Large numbers of books in a personal library USUALLY equal large amounts of wealth.

So, according to some of the current theories, if you want to be successful in network marketing, get rid of your televisions.  OK, not all of them, but if you have a large horizontal total of televisions, they are probably hurting your marketing.  Decreasing the time in front of the television will allow you to put more hours into your marketing and marketing training, which will increase your marketing income.

So, turn off your automatic income reducer, the television. Get the training material out of the pile and continue to increase your marketing education. Your wallet will appreciate the extra padding. Need some training material, go to: http://www.MLMIntegrityMarketing.com

According to a recent survey, over 80% of the population is committing a serious lifestyle error. They are banking their entire livelihood on a single income. If that one income stream is disrupted, they will face a serious financial situation.

Throughout history, many financial experts has extolled the need for financial diversity.  They understood the risks of only having a single source of income and have written many books and articles explaining that risk.  Unfortunately, a large percentage of the world still doesn’t understand diversifying. They understand the concept but are afraid to deviate from the status quo for fear of alienating their friends and family.

Many of the decisions people make throughout their lives are predicated on their upbringing. They have been taught to do what their leaders (parents and grandparents) are doing and not to try new, risky adventures. This concept has its roots in early creatures where survival of the individual was necessary the good of the group. The larger the group, the better the chances of surviving an attack from predators or other clans.

The risk of this style of upbringing is that new concepts are considered exceptionally risky, whether they are or not. Because the clan dictates what is acceptable and unacceptable, new thoughts are quickly ridiculed and dismissed. It takes an unusual amount of effort and fortitude to survive the efforts of the clan to kill an idea. Not that the idea is good or bad, it’s just different and that is unacceptable.

In today’s world, that used to mean working a job for 30 or 40 years and retiring. People who moved between jobs who called job-hoppers and usually felt the wrath of the clan. They were ridiculed for failing to stay in that one position, like their ancestors did. Whether they were able to improve their lifestyle was irrelevant. They were different and that was not acceptable.

People who worked in direct sales seemed to be the people that were disliked the most. Because of the quantity of true scam artists, the salesman was considered a scam artist whether he was legitimate or not. These salesmen, because of their nature, were also people that understood the benefit of having multiple products to sell.  That way they almost always had something of interest to everyone. This allowed them to make a sale when other people that didn’t have multiple products would walk away empty handed.

As sales and marketing evolved, these people taught their protégés the way they were  selling and how to incorporate that thought process into their lives. As this passed from generation to generation, more and more people began to understand the financial benefits of having these multiple income sources. At some point, this process came to be called multiple streams of income.

Unfortunately, because this concept is different from the traditional, single income source, many people today still don’t understand.  They don’t understand that multiple income streams will allow fluctuations in the market to occur without impacting the total income. The more streams of income that exist, the better the chance of having your lifestyle survive market changes. You don’t have to panic because something changes.  You also have less financial risk of being laid off or downsized because you are not dependant one only one income source.

The vast majority of today’s marketers have been taught to develop multiple income streams for the reasons listed above. In review, they will have a more stable financial picture. They usually will develop a larger gross income. They tend to have a standard of living that is higher than the people around them.  Usually they will be risk takers, chasing the new opportunities that come on the market to try to grab their piece of the pie before it gets out to the masses.

Today’s marketers are living in the best financial times.  They have the opportunity, and because of online marketing, the total number of opportunities available is almost mind boggling. Any marketer that does not have at least three different income streams is missing the boat.  Only marketing a single product or service is grossly inefficient and limits their total income potential.  As with the true direct salesman, the more products one can offer, the better the chance of putting money in your pocket.

If you don’t have multiple income streams of income, it’s time to get with the program.  Your financial health is at risk.  To add a new income stream, go to: http://www.Millionaire-Marketing-Plan.com If you are interested in adding new life and marketing to your existing business, Bill can help at: http://www.MLMIntegrityMarketing.com

Web 2 . What? What is that? I can imagine how all the 50 year olds and above feel out there about using today’s online marketing strategies to promote their MLM business. You feel overwhelmed, as if the model T was just invented and you’re still in a horse and buggy. Well rest easy my friends as I am one of you and I’m here to put your online marketing minds at ease.

There are several marketing strategies that seniors (according to AARP) should become familiar with if you want to become a successful online marketer. We not only can survive but thrive in this new information age. We just need an open mind, a computer and some kids or maybe grand kids to help out. Our typing skills are horrible, we can’t see well, yet we can still prosper as long as we use the power of our brain. Also, using these strategies just might aid in the prevention of Alzheimer’s disease. Go figure!

Let’s take a look at some basic strategies to successfully market your business online today:

1.Facebook – Get your children or grandchildren to set up a page for you with friends and family photos. Once you feel comfortable with that begin to seek out people you know but have lost track of and hopefully their children and grandchildren have done the same for them. Invite their friends to be yours and begin to build a relationship. Join groups that you are interested in and post comments or articles within those groups.

2.Twitter- Similar strategy as Facebook except the conversations are shorter and you follow people you are interested in and those interested in you will do the same. You might not like the feel of Twitter because you will see a lot of nonsense tweets. Ignore those and begin by tweeting about what you like to do that may not be business related. For example, you can tweet about how to grow tomatoes and talk about something that may have helped a loved one‘s cancer or diabetes, anything that peeks your interest. Tweet a few times daily and it will soon become addictive. Once you develop a good following you can begin to ease in marketing tweets about your business and your website (which someone should have helped you develop).

3.LinkedIn – This is where all the professionals are located. This is a very clean and polished group of folks here and may be the best hunting ground for your business. This is where the cream of the crop hangs out. Generally you have to know someone to invite to become a connection. One way to do that is to join various groups you are interested in and then post articles to that group. If someone leaves a comment about your article, thank them and ask them to become a connection to you. This will require article writing but a couple of articles a week should do the trick.

4.YouTube – I know what you’re thinking here, “But I have A Face for RADIO”. I have those same feelings myself. However, if you’re going to be a successful online marketer, video is one avenue that must be tackled. Again, enlist the help of children and grandchildren for making a video and include them in it if necessary. You may have the most potential here to reach more people than anywhere else and with the help of the younger generation they will have you jazzed up and ready to market. Depending upon your creativity, this may be the strategy that skyrockets your business.

After using a few of these strategies, the key would be to get traffic to your website and convert traffic into sales. This is a little more complicated and may require outsourcing. However, if you have the energy and drive you can also accomplish this using some specifics tools. That’s a lot to swallow and you can outsource everything as a business investment. The fun, however, might just be to do a few of the strategies yourself to get some basic understanding of how it’s done so that you too become an active part of this Web 2.0 revolution.

Market you!
Valarie Taylor
linkedin.imvaltaylor.com
713.440.6799

Bill Palte is an Online Marketing Coach & Business Builder who helps struggling marketers build their business. Build Your Income Stream Here

For years people have direct marketed to potential customers by randomly distributing business cards. Sometimes, they would “drop” the cards so that someone would pick up the card to see what was on it. Usually these cards would have something on them to make the bystander curious about the card so they would pick it up.

Recently, a new version of the dropcard has become famous. The dropcard has been redesigned to look similar to currency but with an advertising message on the back of the card.  The most effective dropcards have been printed to resemble the look of a $100 dollar bill.  These bills have been very effective in many different strategies because they resemble US currency.

To make the dropcards very effective, there must be a compelling message on the card. This will cause enough curiosity so that the person picking up the card will take action on the message. What the message includes seems to be up for discussion on a regular basis but most marketers agree on several items.

First, the message on the dropcard must include a compelling call to action. The message needs to be short and precise so anyone reading the message will know exactly what to do. Typically, the message would be a short statement or question, such as, “You need to check this website NOW” or “Number 1 Home Based Business”.

Second, most messages are better if a phone number is not included on the dropcard. Although this may seem counter productive to many, not having a phone number forces the person with the card to log into the marketer’s system to have their curiosity resolved. This gives the marketer another chance to reinforce his message and to start to build some trust. It also provides more time for the prospect to review the marketer’s information before starting a conversation.

Third, the message on the dropcard must include a website for the prospect to review. Typically, this will be a page that presents an overview of the opportunity and a form to record the prospects contact information.  There is sometimes a phone number for contact since the prospect now has an idea of what product or service is being promoted.

Much has been written and discussed about the most effective marketing strategies for using dropcards but there appears to be a short list of the most effective strategies. These include: gas pump credit card slots, newspapers, tollbooths, clothing stores, and bookstores.  Each of these marketing areas require a specific technique to be effective.  All of these strategies can be implemented most anyplace in the country and are equally effective anyplace.

Now for the disclaimer.

Unfortunately, the dropcard techniques will not get you hundreds on leads everyday.  They will get you a steady, reliable stream of leads, of which most will be highly qualified since they took the time to track you down. These are the type of leads that you are looking for anyway. They will also understand how effective dropcard marketing is since they were discovered using the exact technique.

Unfortunately, most people will start out strong with the dropcards but slowly lose interest. The primary reason is that dropcard marketing is not high glamour.  It’s easy to lose interest since you are not getting the type of leads that you would with pay-per-click, for instance. However, you are also not paying the high cost of pay-per-click with a dropcard marketing strategy. Consistency will make this strategy pay well with time and the cost to get started is quite low.

This is truly a low cost marketing strategy that can be implemented by most everyone.

Order Your DropCards and  learn how to Market Your DropCards Effectively