MLM and The FTC

MLM businesses are known to operate in all 50 U.S. states of the United States of America. New businesses may use terms such as “affiliate marketing” or “home-based business franchising”. Many pyramid schemes try to present themselves as legitimate MLM businesses. However, there are many people as well as courts who maintain that all MLMs are essentially pyramid schemes even if they are legal. My opinion, all companies are pyramids.

The U.S. Federal Trade Commission (FTC) states “Steer clear of multilevel marketing plans that pay commissions for recruiting new distributors. They’re actually illegal pyramid schemes. Why is pyramiding dangerous? Because plans that pay commissions for recruiting new distributors inevitably collapse when no new distributors can be recruited. And when a plan collapses, most people – except perhaps those at the very top of the pyramid – end up empty-handed.

“This also goes for any corporate company in corporate America”

In a 2004 Staff Advisory letter to the Direct Selling Association, the FTC states:

Much has been made of the personal, or internal, consumption issue in recent years. In fact, the amount of internal consumption in any multi-level compensation business does not determine whether or not the FTC will consider the plan a pyramid scheme. The critical question for the FTC is whether the revenues that primarily support the commissions paid to all participants are generated from purchases of goods and services that are not simply incidental to the purchase of the right to participate in a money-making venture.

The Federal Trade Commission warns “Not all multilevel marketing plans are legitimate. Some are pyramid schemes. It’s best not to get involved in plans where the money you make is based primarily on the number of distributors you recruit and your sales to them, rather than on your sales to people outside the plan who intend to use the products.” and states that research is your best tool, giving eight steps to follow: 1.Find — and study — the company’s track record 2.Learn about the product 3.Ask questions 4.Understand any restrictions 5.Talk to other distributors (beware of shills) 6.Consider using a friend or adviser as a neutral sounding board or for a gut check 7.Take your time 8.Think about whether this plan suits your talents and goals

If you want to be Salesman, work for a company that makes You do all the research, or, Work for yourself with a Company who has already done all the leg work. This company has done all the research, done all the leg work and built a system that sells itself, And it’s FREE!

The Federal Trade Commission issued a decision, In re Amway Corp., in 1979 in which it indicated that multi-level marketing was not illegal per se in the United States. However, Amway was found guilty of price fixing (by effectively requiring “independent” distributors to sell at the same fixed price) and making exaggerated income claims.

The FTC advises that multi-level marketing organizations with greater incentives for recruitment than product sales are to be viewed skeptically. The FTC also warns that the practice of getting commissions from recruiting new members is outlawed in most states as “pyramiding”. In April 2006, it proposed a Business Opportunity Rule intended to require all sellers of business opportunities—including MLMs—to provide enough information to enable prospective buyers to make an informed decision about their probability of earning money. In March 2008, the FTC removed Network Marketing (MLM) companies from the proposed Business Opportunity Rule:

The revised proposal, however, would not reach multi-level marketing companies or certain companies that may have been swept inadvertently into scope of the April 2006 proposal.

Walter J. Carl stated in a 2004 Western Journal of Communication article that “MLM organizations have been described by some as cults (Butterfield, 1985), pyramid schemes (Fitzpatrick & Reynolds, 1997), or organizations rife with misleading, deceptive, and unethical behavior (Carter, 1999), such as the questionable use of evangelical discourse to promote the business (Hopfl & Maddrell, 1996), and the exploitation of personal relationships for financial gain (Fitzpatrick & Reynolds, 1997)”. In China, volunteers working to rescue people from the schemes have been physically attacked.

MLM’s are also criticized for being unable to fulfill their promises for the majority of participants due to basic conflicts with Western cultural norms. There are even claims that the success rate for breaking even or even making money are far worse than other types of businesses: “The vast majority of MLM’s are recruiting MLM’s, in which participants must recruit aggressively to profit. Based on available data from the companies themselves, the loss rate for recruiting MLM’s is approximately 99.9%; i.e., 99.9% of participants lose money after subtracting all expenses, including purchases from the company.” In part, this is because encouraging recruits to further “recruit people to compete with [them]” leads to “market saturation.”

Another criticism is that MLM has effectively outlived its usefulness as a legitimate business practice. The argument is that, in the time when America was a series of relatively small, isolated towns and rural areas not easily accessible to small companies, MLM was a useful way to let people know of and buy products or services. But the advent of internet commerce, with its ability to advertise and sell directly to consumers, has rendered that model obsolete. Thus, today, nearly all modern MLMs ostensibly sell vastly overpriced goods and services (if there even is a real product or service involved at all) as a thin cloak of legitimacy, while their members are driven to recruit even more people into the MLM, effectively turning these programs into pyramid schemes.

Because of the encouraging of recruits to further recruit their competitors, some people have even gone so far as to say at best modern MLMs are nothing more than legalized pyramid schemes with one stating “Multi-level marketing companies have become an accepted and legally sanctioned form of pyramid scheme in the United States” while another states “Multi-Level Marketing, a form of Pyramid Scheme, is not necessarily fraudulent.”

In October 2010 it was reported that multilevel marketing companies were being investigated by a number of state attorneys general amid allegations that salespeople were primarily paid for recruiting and that more recent recruits cannot earn anything near what early entrants do.

This is the most ridiculous thing I’ve seen since I’ve started doing this…First of all how many people recruit people without being able to make money, second I have had people come on board and way surpass what I’ve made.. And I don’t make a dime off of him, because this company is 100% commission to you. You keep all the commissions. You can’t give a system away for FREE if that is how you make your money…This system is FREE Get it NOW.



What You Know Is Worth More Than You Think!

Once you know something, it’s really easy to assume that everyone else knows it, too. Nothing could be further from the truth, but nonetheless, this mistaken belief prevents many would-be infopreneurs from even getting started. They might have a million-dollar information business locked-up in their brain, but because they can’t understand why someone else would actually value that information, they don’t even try.

If you’re in this camp, ask yourself: Why do you buy information products? You’ve probably purchased a “how to” product at some point in your life, right? A book or maybe a video? So, why did you buy it? You likely bought it because the information was going to save you time, money, or hassle.

And that’s exactly why people might pay good money for what you know.

After all, you’ve probably spent years gaining your knowledge and experience. Don’t you think someone could save themselves a lot of time, money, or hassle learning what you already know? Couldn’t you help them avoid a lot of costly mistakes? Couldn’t you make it easier for them to accomplish whatever they’re trying to accomplish? Of course you could.

The fact is, people are eager to learn from someone who’s been there and done that—because it saves them time and money. Or, it helps them get a better result, without a lot of frustrating trial and error.

Now…will people pay millions for what you know? Maybe. Or, maybe not. It’s hard to say. But don’t be too quick to jump to conclusions—what you know is worth more than you think.

Quality of Life App

Get in on Level 9 App – Don’t miss Out

Have you ever wished you could find those opportunities that you could make some extra money and get in at the top of the company? Well, now is your chance! Last night this company launched its pre-enrollment and I was not going to pass up the opportunity to get in on top.

As a Brand Partner for the Level 9 “Quality of Life” app you have a “one-of-a-kind” opportunity to make a difference in your own financial and personal life, as well as, the lives of others you know and love. Each Brand Partner believes in free enterprise, recognizes their destiny is in their own control and ultimately are inspired to help others.

The “Quality of Life APP” is a powerful, life-altering APP that can be downloaded to any Android, iPhone or iPad. For those of you who do not own one of the aforementioned communication devices, Level 9 Marketing is making available a way to download the APP content to any PC.

Initially there will be four areas of content regarding the Level 9 APP. They are Health Issues, Wealth Building Concepts, Lifestyle Choices and Daily Happiness/Prosperity Quotes for your consideration.

Right now you can simply go to my own personal sign-up page and enroll as a new Brand Partner. This sign-up page is for our pre-enrollment period only and will soon be replaced with our permanent webpage. This is your time to get in before this goes viral! Visit my site now to learn more and become part of this awesome opportunity!

The “Official Launch” of Level 9 will be on April 01, 2013. Don’t wait and let tons of people join before you do!

Finally, I just want to once again personally welcome each of you to our “Family”.
Fasten your seat belt, it is going to be an exciting ride ahead!

Enroll with L9App Now!

Silvia Shamus
L9 Executive Brand Partner

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How Hackers Protect Themselves from getting HACKED

This is not mine, this article is quoted from

But, someone asked me recently if there were programs to help people not get hacked and this was the best article I found.

When Adrian Lamo goes online, he leaves nothing to chance.

To log in to personal accounts, he uses a digital password generator — a plastic key chain-like device that displays a new string of digits every 60 seconds. He adds an extra layer of security to some accounts by entering a special code that he receives via text message. And he uses browser extensions to avoid downloading malware by accidentally visiting dangerous Web sites.

Some techniques “may seem like a ‘Mission Impossible’ level of security to the average user,” Lamo said. But the average user could learn a thing or two from hackers like Lamo, who are not only skilled at breaking into others’ PCs, but have devised sophisticated — in some cases, extreme — methods for protecting their own.

It has become increasingly easy to fall victim to hackers, from downloading malicious email attachments to logging in to fake banking sites. An estimated 71 million people in the United States were victims of cybercrime last year, costing them about $21 billion in damages, according to a report this year by Symantec.

Cybercriminals are finding new ways to bypass traditional security methods like passwords and antivirus software. Hackers are now using free software that tests millions of commonly-used passwords in seconds. One tech writer who was hacked this year proclaimed that passwords are now obsolete. And many security pros say they don’t use anti-virus software because cybercriminals are testing their methods first against popular antivirus software.

So, if traditional cybersecurity methods are no longer enough, how does the average computer user defend himself?

Jeffrey Moss, a well-known hacker who goes by the online nickname “Dark Tangent,” recommends disabling Javascript — a popular programming language — in Adobe Reader, because hackers often insert malware into PDF documents.

Moss also installs an extension for the Firefox browser called NoScript, which only allows trusted websites to run JavaScript. And he uses two Web browsers, reserving one solely for sensitive activities like online banking in case the other browser becomes infected.

“The trick is to never have a dangerous web page and a banking web page open at the same time,” said Moss, the creator of the DefCon and Black Hat hacker conferences.

Two summers ago, I attended DefCon, which Moss hosts every August in a Las Vegas hotel. At the conference, where the world’s best code crackers discuss the latest hacking techniques, a teenager in a purple mohawk warned me to carry a wallet with copper mesh lining because hackers could bump against my pocket with a card reader and steal my credit card information.

He also reminded me to only visit websites that start with “https” instead of “http” so hackers couldn’t eavesdrop on my Internet traffic on the hotel’s wireless network. Last fall, a free program called Firesheep was released, making it even easier for hackers to snoop on users via public Wi-Fi networks.

Lamo and other security pros protect themselves by using HTTPS Everywhere, a browser extension that encrypts online communications so hackers can’t listen in.

Andrew Auernheimer, a hacker known online as “Weev,” also uses “off-the-record messaging” services, which ensure that no one eavesdrops on his online chats, enable him to identify the other participant in the conversation and leave no trace that the conversation took place.

“It’s a way for people to chat securely in real time,” Auernheimer said. “Pretty much everybody I know uses it. It’s about protecting your privacy.”

Auernheimer was recently convicted of illegally accessing AT&T’s servers and stealing more than 120,000 email addresses of iPad users. Lamo is known for his 2004 conviction for breaking into the internal computer network of The New York Times, and for turning in Army Pvt. Bradley Manning for leaking classified military and State Department files.

Companies frequently issue “patches” to fix security flaws before hackers can exploit them. But that can takes several days or even weeks. Auernheimer says he can’t remain vulnerable to attackers for that long. So he asks a security researcher to issue him a “hot patch” — or a temporary band-aid that closes the security flaw until the software company fixes it.

For the average computer user, all of these measures might seem extreme. And Lamo said even his methods can’t ensure total online protection. The best security method, he said, is a healthy dose of skepticism.

“Personal online security is less about fancy countermeasures and more about paying attention and not being gullible,” Lamo said. “All the technology in the world is not going to help someone who can’t be bothered to double-check whether they are in fact on their bank’s actual website before entering their login credentials.”

Advertising, and the Internet

Advertising or advertizing is a form of communication for marketing and used to encourage, persuade, or manipulate an audience (viewers, readers or listeners; sometimes a specific group) to continue or take some new action. Most commonly, the desired result is to drive consumer behavior with respect to a commercial offering, although political and ideological advertising is also common. In Latin, ad vertere means “to turn the mind toward.” The purpose of advertising may also be to reassure employees or shareholders that a company is viable or successful. Advertising messages are usually paid for by sponsors and viewed via various traditional media; including mass media such as newspaper, magazines, television commercial, radio advertisement, outdoor advertising or direct mail; or new media such as blogs, websites or text messages.

Commercial advertisers often seek to generate increased consumption of their products or services through “branding,” which involves associating a product name or image with certain qualities in the minds of consumers. Non-commercial advertisers who spend money to advertise items other than a consumer product or service include political parties, interest groups, religious organizations and governmental agencies. Nonprofit organizations may rely on free modes of persuasion, such as a public service announcement (PSA).

Modern advertising was created with the innovative techniques introduced with tobacco advertising in the 1920s, most significantly with the campaigns of Edward Bernays, which is often considered the founder of modern, Madison Avenue advertising.

In 2010, spending on advertising was estimated at $142.5 billion in the United States and $467 billion worldwide. Internationally, the largest (“big four”) advertising conglomerates are Interpublic, Omnicom, Publicis, and WPP.

On the internet from the 1990s

Internet marketing

With the advent of the ad server, marketing through the Internet opened new frontiers for advertisers and contributed to the “dot-com” boom of the 1990s. Entire corporations operated solely on advertising revenue, offering everything from coupons to free Internet access. At the turn of the 20th to 21st century, a number of websites including the search engine Google, started a change in online advertising by emphasizing contextually relevant, unobtrusive ads intended to help, rather than inundate, users. This has led to a plethora of similar efforts and an increasing trend of interactive advertising.

The share of advertising spending relative to GDP has changed little across large changes in media. For example, in the US in 1925, the main advertising media were newspapers, magazines, signs on streetcars, and outdoor posters. Advertising spending as a share of GDP was about 2.9 percent. By 1998, television and radio had become major advertising media. Nonetheless, advertising spending as a share of GDP was slightly lower—about 2.4 percent.

A recent advertising innovation is “guerrilla marketing”, which involves unusual approaches such as staged encounters in public places, giveaways of products such as cars that are covered with brand messages, and interactive advertising where the viewer can respond to become part of the advertising message. Guerrilla advertising is becoming increasingly more popular with a lot of companies. This type of advertising is unpredictable and innovative, which causes consumers to buy the product or idea. This reflects an increasing trend of interactive and “embedded” ads, such as via product placement, having consumers vote through text messages, and various innovations utilizing social network services such as Facebook or Twitter

Make Money From Home

Make Money From Home

Online Business Ideas

Most everyone wants to know more about internet marketing from home because they believe that this is an easy way to make money. This may be true in some aspects. It’s easy to make money once you’ve found your niche and laid the groundwork for success. However, it takes a good deal of time and effort to create a stable base from which to work. This article will show you several different avenues that you can follow to make money from a website.

Make Money With A Website

If you want to make money with a website, the quickest method to accomplish this is with affiliate marketing. Affiliate marketing takes all the guess work out of the process of finding a niche, creating and delivering a product and also customer service. You simply have to send traffic to the sales page of the product of your choosing. This is affiliate marketing in its simplest form. Sounds easy enough, right? It is if that’s all you want to accomplish.

The savvy affiliate marketer uses a much broader technique that involves their own website and various other tools. One of the most important of these is the autoresponder. With this tool at your disposal you can easily expand your product base by capturing the name and email address of prospects before you send them to your target product. You can also use an autoresponder to build lists in any niche you choose and market to these prospects over and over again!

Click Here To Get THE BEST Autoresponder In The Industry!

Making Money With No Money

Making money with no money at all is very difficult but it can be done. Unfortunately going this route will take MUCH more time and effort. By using only free online resources in a well thought out manner, you could very well start to build an income over time. Some of the free tools you can use that draw traffic are HubPages, Squidoo and other web 2.0 website builders. These are very effective at drawing the attention of the search engines and by ranking higher you’ll naturally receive more traffic.

The subjects found in this article will be covered in much more detail in the posts of this blog. Make sure you bookmark this page and come back often to find the latest news, tips and ideas about what’s working and creating the most profit online.

Things I Hate!

I don’t like getting up early.

(I’ve never seen a sunrise that was worth me getting up that early to see it.)
I don’t like being told when I can eat.
I don’t like being forced to spend long periods of time with people that I wouldn’t choose to spend time with if I met socially.
I don’t like ‘have to’s’.

You can’t avoid them. But I much prefer arranging my affairs in a way that I spend my time doing things I LIKE to do (which doesn’t feel like a ‘have to’ even if it is)…..

…..or the ability to just get someone else to do what I don’t want to do. (Which is why someone else is cleaning my house right now.)
I don’t like having to subjugate myself to someone who’s got 1/10th of my talent but is in an elevated position because they played politics better than I was willing to.
I don’t like being told “you’re not a team player” just because everyone else is willing to do something that I consider stupid and inefficient.
I don’t like looking at clocks.
I hate this stuff.


So, naturally, “working at a job” wasn’t going to be a good deal for me.
But I didn’t know that at first.
Because, when you’re 18 (or whatever) and everyone else has a job, you assume that’s the method you need to use to make money, too.
So, I tried. I really did. I tried hard to fit into the “job mold”.
But, on every job I had (even the ones I didn’t completely hate)…..
….I was still left thinking….

“Why am I doing this? Why am I selling my life in 40-hour chunks to a company that pays me less than I’m worth?” Or, “Why am I letting someone else run my life and tell me what I can and can’t do?”
Someone once asked me….”Do you think you’re too good to take out the trash?”
I said, “Not at all. I think I’m too good to take out YOUR trash….and I think I’m a fool to work in a place where that’s all you think I’m capable of.”
I didn’t last too long on those jobs.
The shortest job ever was 2 days at Red Lobster. Those people work HARD….and for not much money and even less respect.
So, ultimately, I finally had to admit that a job just wasn’t going to work for me.
So, I decided to make a bunch of money from home instead.
Good choice for me and my family.
Maybe a good choice for you, too.

Here’s the simplest, fastest and easier way I’ve

ever seen to create a simple $100/day income.

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If you hate jobs….do this instead.