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It is hard to define good and bad, especially when they are terms slapped on to something as subjective as a brokerage service.

A broker serves a few primary functions in the trading cycle. The brokerage takes orders from sellers and buyers and matches them. The broker also provides the most recent prices and most brokers provide a charting service as well. These services are not provided for free, the broker takes a commission from you each time you trade. This charge is called the pip spread. What that works is that when you enter a trade, you are automatically in the red. This spread varies from broker to broker but on the whole as a market, pip spreads for trading the majors are very low as compared to trading exotic currencies.

A good broker can then be define as a broker who provides the basic services and keep the spreads low and fixed. The issue about floating spreads is that there are times when the spreads can go to atrocious levels and that means if you place your stop loss too low, there is a high possibility that you get kicked out of a trade through no fault of yours or because of any market movements. The good thing about having fixed spreads is that you can work the spreads into your trading plan. That gives you control of how you want to direct the trade.

The reason why having a good broker is essential to your profits is that; you want to have reliability and stability when you trade. The last thing you need is a brokerage that might go bust, or not pay you or worse take your money and run! I have had experience with brokers who refused to pay out my profits especially if they were large good runs and these brokers even made it such that it seemed that it was a technical error so they were not liable to pay! As you can imagine, I quickly closed my account and switched services. The crazy thing was that the broker refused to give me MY money! After a few phone calls and a couple of weeks later I finally managed to resolve that ugly spat and recovered my funds.

Reliability and stability are absolutely essential for traders to have especially when we are faced with an ever changing market. With market situations as such, the last thing you need is for your broker to pull a fast one on you. For example when you are in the midst of a trade and suddenly the trade window hangs. It might be a technical issue you think, so you log back on immediately. To your surprise you realize that your trade has been canceled and that the money you placed into the trade was lost! This is something that you don’t need, so you try to contact the broker, but you emails never get answered and your calls fall on deaf ears.

At this point in time the only thing you can do is to switch brokers. This will affect your trading and throw a wrench into your profits. Choose a good broker at the onset and you will fair better in the long run.

Dr. Joshua Geralds is a successful Investment Specialist with over twenty years experience increasing the income of people world wide. Visit http://www.pipsalot.com to learn how to make steady profits through safe trading and down load your FREE e-book “Money Management” for a limited time only!

Many business people don’t know that equipment leases can be negotiated. They do a quick read-through of the contract, see that the monthly payments are what was represented, and sign where indicated. Not carefully reviewing each paragraph of the agreement can be costly. Long, drawn-out contracts are often developed by leasing companies to gain added revenues and advantages for themselves. Consequently, in this situation, it is to the detriment of the lessee.

This article discloses some of the terms and conditions that are contained in lease contracts, but can often be negotiated. A properly trained lease broker can be invaluable in helping the lessee discern the points of contention and negotiate a fair and equitable agreement.

1. Credit or commitment fees: Some leasing companies will charge you a fee simply to process the credit application. Others may charge a fee to keep the credit commitment open after the application has been approved. These are ridiculous fees that I would advise never paying.

2. End of term option: This is a critical point in the contract. Beware of language that allows you to buy the equipment at a “mutually acceptable price” as opposed to fair market value. When a lessor states they will sell you the equipment at a mutually acceptable price, they can back you into a corner by charging just about what they want. Fair market value and $1 buyout leases are legally defined and more quantifiable.

3. The never-ending lease: Some leasing companies try to lock you into a leasing situation forever and the only way to escape is to pay an inordinate fee. Beware of a lease that gives you three options at the end of the term: a. Buy the equipment at a “mutually agreeable price”. b. Extend the contract at a mutually agreeable price, or c. Return the equipment to the lessor and strike a new deal at a mutually agreeable price. These are all poor options for you, the lessee and only serve to benefit the profit of the leasing company.

4. Equipment pass title fees: These are fees that some lessors charge when the lessee chooses to buy the equipment at the end of the lease term and obtain clear title. These fees can be as high as $250 or more.

5. “Put” at end of lease: Make sure that you have an option to buy the equipment at the end of the lease and not a put. A put may result in lower monthly payments, but requires you to buy the equipment, as opposed to an option, which gives you a choice.

6. Delayed payment to vendor: Some leasing firms delay payment to the vendor for the purpose of increasing their yield. This is unethical, creates a hardship for the vendor, and makes your company appear in a bad light.

7. Up-front broker fees:Some lease brokers charge an up-front fee at the onset of the relationship. I have never charged such a fee because my compensation is based upon a successful completion of the transaction and is a percentage of the amount funded.

These are some of the items to look for when reviewing an equipment lease. Keep in mind that competition among leasing companies is intense and they do not want to lose your business. Do not be shy about asking that these fees be taken out of the agreement.

Kent Harlan has been a CPA since 1984 and has provided consulting, accounting and financial services to several industries. He is the owner of Ozarks Capital Funding, LLC, a Springfield, MO based company offering business and heatlhcare financing.

Does your company need to finance new equipment or refinance your existing inventory of equipment? click here to apply.

EMAIL: kenth@ocflink.com
WEB: http://www.ocflink.com
PHONE: 417.849.7394

Although honesty is generally taught as the best policy, I would propose that it is the only policy to follow in 99% of cases. The other 1% could be called “white lies.” How are you to know the difference, that is, when someone is telling the whole truth as opposed to a white lie? Here are some tips that will help you spot a liar.

There was an old Hollywood movie starring Charles Bronson as a buffalo hunter and Will Sampson as an Indian Chief. They are in a cave together, hunting the same killer white buffalo, when they engage in a conversation about truth. Bronson, known to the Indians as “the shooter” because he is a skilled hunter, has his version of the truth and the Chief has his. The Chief asks – “Tell me Shooter, what is the true truth?” I ask you the same question. For me, the true truth is the whole truth, no shading. What is it for you?

As we go about our interaction with each other, the white lie is employed more than any other form of communication with those closest to us. We are more apt to shade the truth in order to avoid hurt feelings or, when we know a person really well, we tell a white lie because we know they really don’t want the true truth. They have their version of the true truth and that’s the version they want to hear.

When we deal with strangers, telling a lie is easy because we likely will never see them again but what about that stranger we may see again? You need to decide if what you are lying about is worth what you will gain as opposed to the potential consequences if your lie is discovered. It is a personal decision. You need to be realistic with yourself. It is easy to become a compulsive liar and ruin your life. Under what circumstances are you willing to risk damaging relationships, reputation, and future opportunities. Ask yourself. Do the benefits of telling the lie outweigh the risks?

For example: A teen boy tells his parents he’s going to the movies with a friend but he’s really going to a concert with his girlfriend. Logically, the parents are going to ask what the movie was about and if he enjoyed it. Now, beforehand, the teen could Google a summary of what was in the movie; along with the climax so he can be ready for the questions. Such a young man may not consider the consequences if he is caught in the lie. He does not realize that his parents will be emotionally hurt by his lie and will take a long time before ever trusting him again. His lie has destroyed the parent-child relationship for a long time to come.

Telemarketing has taught us that it’s relatively easy to lie to someone over the phone because the sense of personal connection is very small. You can’t see them; they can’t see you. As a result, you are less likely to feel guilty and, therefore, give visual clues that you may be deviating from your normal behavior. If you were closer to the person physically, you would have a greater personal connection. Consequently, you would be more likely to reveal, in some way, that you are engaging in deceptive behavior.

The same reasoning applies to being close to a person psychologically. If you try to lie to your girlfriend or boyfriend, there are numerous psychological pressures. For example, you’ll think about what happens if you get caught, feel guilty about lying to someone you care about and it will be more difficult to focus on mimicking your normal behavior. This phenomenon is often called “liars’ remorse,” and it’s usually what people are talking about when they say a liar “wants to get caught.” Those closest to us know when we are lying and when we are shading the truth a bit.

Most strangers will not have a clue if you are an accomplished liar. It takes years, by the way, to develop a liar’s mentality. An amateur liar will not look you right in the eye when lying. They may touch their head with their hand, or hold their palms up as they spin the lie. These are both giveaways. An accomplished liar does the opposite. They look you in the eye, their hands at their side. An amateur liar will use the strongest adjectives and a voice level that are above normal pitch and speed. A friend of mine says – “I can tell when someone’s lying. They talk faster than I can listen.”

Most professionals employ specific tactics to catch liars. The cops will make small talk with you to establish what your “normal” behaviors are. When they get down to the serious subject matter, they look for cracks in that normal behavior. Polygraph machines work the same way. There are mental and physical drives that can be detected by skilled interviewers, as well as machines.

There are many more subliminal messages people send when lying. Do some research and learn what they are and how to avoid them.

Jim DeSantis

Jim DeSantis is a retired investigative journalist who is now a full time blogger. Grab Jim’s Free Report “How To Spot A Liar” (click here). No email is required. Visit Jim’s blog about the Workplace (click here) for more free information.

Here’s how I plan to turn the $1,000 per child that the Rudd Government is giving to my family on 8 December, 2008 into a gift that lasts for life.

For those readers who are either not Australian, or who are not aware of the recently-announced financial assistance the Australian Government is offering to families; here is a brief of what is on offer.

The Australian Government, which happens to be in Surplus (given the amount of debt per capita, I am not sure what this is a Surplus “of”…), announced recently that if you have children and you fall within the “Family Benefits Tax A” bracket, then to help ‘boost’ the economy, the Australian Government is offering families a cash payment of $1,000 per child, to be paid on 8th December 2008.

There is a whole swag of other payments being made right across the country to Age Pensioners, Disability Pensioners, Carers, and others, on the same day. The media had a field day, rejoicing in the announcement, saying that families will be able to spend this on Christmas presents and will boost Christmas sales and the economy. People everywhere are plotting how they will spend the unexpected booty.

Not me! I have bigger ideas than that and will actually be applying the cash handout to remedying – at least within my own family – the underlying cause that’s behind this whole sorry mess in the first place.

That is to say, I will be putting this money to work. I will use it to create more money for my children, which will, in turn, be reinvested to create recurring incomes, from a number of sources.

What’s more, I have found a way to do this in a risk-free environment – outside of the stock market, and outside of the property market – yet which allows me to invest small amounts in carefully selected businesses by purchasing their products and receiving profit-share from sales. More on this in a minute.

First off, I will open a bank account in each child’s name to accept their windfalls and start their Investment/Savings plans for the future.

Of the $1,000 each receives, I will put into action what every Investment book out there tells me to do. Invest 10% of all money received into growing more money.

So, $100 per child will be invested and put to work using the strategies set out in the free book “How To Let Your Money Make More Money Online… While You Are Busy Doing Other Things,” by Taylor Adams.

This has taught me exactly how to use subscriptions to online companies from just $5 per month as profit-generating investments. Money Buddy Alliance (MBA) offers a free service, so I am not paying any money to them. The money I pay is to my own subscription account, in return for which, I receive the product I subscribe to, along with a profit-share in the form of commission income. How cool is that?

$100 will more than cover a 12-month subscription to my children’s first Investment. So I can just pay the annual amount and not even have to think about it for the next 12 months.

All of this I have already had set up in my own name for some time, and know from my own experiences that it works a treat. So I will simply create a subscription in each of the kids’ names, and basically set them up for life.

There is a reinvestment strategy for when income reaches successive levels that will pay for a series of additional investments from profits, one after another. It’s so easy.

MBA just lets me know when my profits are sufficient to add the next investment position. I then take a look at it, and if I like it, I commence reinvesting in that one too. So far I have 8 different investment vehicles at various stages of development, from well established to very new. It’ll be fun teaching the kids how to do this as they grow.

Sometimes I still am amazed that for as little as $5 per month I can set my kids up for life in this way. And anyone can do it.

So what am I going to do with Kevin Rudd’s Christmas bonus – the $1,000 per child ‘windfall’ that the Australian Government has given to my family…??

I will teach my children how to invest just 10% of that money. I will show them how to purchase their “Money Tree seedlings” – an annual subscription to an online gardening club; which costs just $5 per month and pays out 90% of its subscriptions to its members.

This will dovetail very nicely with the gardening that we are teaching them in our own suburban backyard, where they now have a thriving worm farm and lush crops of organic fruits and vegetables.

I will teach them how to set up their online money processor which will collect their commissions, and pay their subscriptions from profits when renewal time comes around next year.

Everything at Money Buddy Alliance is kept so easy and straight forward, it’s just like following the “bouncing ball.”

This is the first step of a program that will teach my children how to invest their Christmas bonus money and put it to work while they are busy being kids; and I can monitor and watch my children’s investments grow, while I get on with being “MUM.”

For a free report called “The $5 poverty Cure,” send an email to Leanne with “$1,000 Family Tax Benefit A” in the Subject line. A detailed report will be sent to your inbox outlining how to start putting YOUR money to work, so that you will be ready to help start your kids’ investments when you receive Kevin Rudd’s Christmas bonus in December 2008.

Leanne Cane
leanne@moneybuddyalliance.com

The stock market is crashing. Government bailouts are rampant. The political climate is uncertain. Credit has all but disappeared for ready buyers if you can even find one. Yet, your dreams of retirement remain. What can you do? There is an answer that you may have overlooked. By understanding the power of an ESOP you could be well on your way to your retirement in the next 90 days.

An ESOP (Employee Stock Ownership Plan) is a tax-advantaged vehicle that enables you to sell your business to your employees. This program was established by Congress in 1974 and today there are about 12,000 ESOP owned companies. Many business owners have either never heard of an ESOP or have a misunderstanding of how it works. Here are some common misconceptions along with solutions to your dilemma.

My employees can’t afford to buy my company and they are not “ownership material.” In reality, an ESOP doesn’t cost your employees anything. The ESOP is created which buys your stock. Your employees are beneficiaries of the ESOP. The ESOP distributes stock to your employees’ ESOP accounts each year based on their percentage of the overall payroll. The employees continue to perform their regular duties and answer to management as they currently do. They do not have general voting power or control of how the company is managed. An employee’s ESOP account is like a free retirement account that they earn by loyal service to the company. When they retire or leave after becoming vested they take the value of their account with them. Many companies with “blue-collar” employees are ESOP-owned.

I want to retire in the next few years. Who is going to run the company? The beauty of an ESOP is that you can “have your cake and eat it too”. An ESOP allows you to create a definite exit strategy while letting you remain in the control of the company for as long as you like. As Trustee of the ESOT you continue to run the company as you do right now and you continue to draw a salary. You are still the boss even though you don’t own the company. Your goal will be to work yourself out of a job so you can begin your retirement. That is accomplished by either grooming one of your senior employees to take your place or by hiring a qualified replacement as a manager. That can happen within months if you’re anxious to leave or you can stage the transition over several years. The bottom line is that it is always your choice.

Who is the buyer? That’s the great thing about selling to an ESOP. You don’t need a buyer. The ESOP is the entity that is created to buy your stock. You can create your exit strategy today by enlisting the help of Dynasty Capital Advisors. They specialize in setting up an ESOP and they take care of all the details.

Where does the money come from? Now we’re getting down to the real purpose of this article. Typically, specialized ESOP lenders would fund the entire transaction and you would get a big check at closing. One downside was that a portion of that check was pledged back to the lender to help secure the loan. One of the main benefits of an ESOP is that you can take that cash and reinvest it in stocks and bonds and defer the capital gains tax on your sale indefinitely. But, who wants to put their money in the stock market these days? And, since credit has tightened so much in the last year, it’s very difficult to find lenders who will fund 100% of the transaction. Financing is still available for a portion of the transaction depending on the collateral position of the company, but in most cases it’s more attractive for you to be the banker yourself and avoid all the red tape that goes along with dealing with banks these days. This structure allows you to collect the interest income rather than paying it to the banks.

Why should I finance the sale of my own company? Typically, if you were dealing with a third party buyer, it would not make much sense at all. It would be like loaning several million dollars to someone you don’t know and also giving up control of your company. But, with an ESOP, you still control the company, and by remaining in control you can assure that you get paid in a timely manner. You can structure the loan terms however you want, and if the company should have a bad month you have the ability as the lender to delay or defer a payment rather than risk a default on a bank loan. The biggest question to ask yourself is “What would I be doing with the money if I got cash?” If you are truly selling to retire you are likely going to put it somewhere safe to generate retirement income. You could put it in the bank and maybe get 5% interest, but banks aren’t doing so well these days as we have seen in the news, and the FDIC only insures accounts up to $100,000. By leaving your money invested in the company that you have spent a lifetime building, you know that as long as you are in control it is secured by something of value. And, by properly structuring your finance package to include trustee compensation, stock options, and other perks, your rate of return can exceed 30% rather than 5% at the bank.

How long does it take to set all this up? As the banker, you would avoid a great deal of time and expense by not dealing with an outside bank. Dynasty Capital Advisors will analyze your company, prepare a Feasibility Study for the ESOP, prepare all plan documents, coordinate outside professionals such as an independent valuation expert and the Trust attorney, and close the sale to the ESOP in less than 90 days.

Will I get my price? A sale to an ESOP is always at fair market value as established by an independent valuation. This means that you will receive the highest price possible that can be supported by factual data. You don’t have to deal with buyers who will try to beat you down on your price. Dynasty Capital will provide you with a valuation that will come within 5% of the final price for your review at no cost.

How can I find out if this is right for me? Dynasty Capital Advisors will prepare a Pre-Feasibility Study at no cost for you to determine whether an ESOP is right for your company. You will receive a free stock valuation to help you decide if the money is right. You will also receive an Investment Analysis that will show the benefits of financing the transaction. There is no obligation for you to explore the benefits of an ESOP transaction.

Selling your business doesn’t have to be an uncertainty that is dictated by a weak economy or the woes of Wall Street. By using an ESOP as your exit strategy, you can control everything from the buyer to the banker by eliminating both of them. And, you protect your employees at the same time while leaving your company in the hands of the people that have helped build it. This is a process that leaves you in complete control of every decision. Now you can design your retirement on your own terms without having to haggle over the price or play the games so typical in a business sale. Call Dynasty Capital Advisors today and find out how quickly you could be experiencing retirement freedom. For more information about how an ESOP could be the solution to your exit strategy, call Myron Goodrum, Vice President of Dynasty Capital Advisors at 603-785-4331 or email at mgoodrum@dynastycapital.com.

Promoting affiliate programs can undoubtedly produce great financial returns, but unfortunately most people never see these kinds of returns because they never figure out how to effectively promote their affiliate programs. Well this article will hopefully solve this problem as listed below are ten of the best methods you can use to start earning regular affiliate commissions.

1. Forums

Forums are one the most effective ways of marketing your affiliate programs if done correctly. By posting in relevant forums that allow sig files (where you can link to your own affiliate site, or directly to the product you are promoting if this is allowed) you can reach a targeted audience quickly and easily. As long as you post constructive comments, then you should see plenty of people clicking on your sig files to learn more about you, and the products you are promoting.

2. Articles

Writing articles is another cost-effective way of reaching your targeted market. By writing quality articles (that contain your resource box where you can link to your affiliate site) and submitting them to the various article directories, you can gain enormous exposure for your offers. A few people will come across your article in the article directories themselves, but it’s when website owners and ezine publishers pick up your article that you can really reach a massive target audience.

3. Press Releases

Press releases are similar to articles in that they provide a quick and easy way of reaching a large target audience. They can best be used when you have something newsworthy to say about either your own site or the actual products you are promoting. All you do is write the press release (in a journalistic style) and submit it to one of the larger online (or offline) press agencies.

4. Search Engine Optimization

This is probably the optimal form of promotion, but it’s also the most time-consuming, and it can take many months before you start to see any results. Nevertheless, if you can take time to optimize your website, and gain a lot of backlinks to your site using relevant keywords (including long-tail buying keywords) as the anchor text, you can receive a lot of traffic to your website when you start to obtain high search engine rankings.

5. Pay Per Click Advertising

This is a highly effective way of promoting your affiliate programs, either directly, or by using your own website to pre-sell the visitor. Pay per click advertising gives you the ability to advertise on the first few pages of results of the search engines for the exact keywords that you choose, so it’s no wonder that so many affiliates swear by this form of advertising. The main thing to remember is that you have to keep testing as much as possible and make sure you don’t spend too much per click on any of your keywords, so you maintain a positive return on your investment.

6. Advertising On Other Websites

You can buy advertising space or text links from numerous websites in all types of niches, so there’s plenty of opportunity to advertise your offers on other websites. The only downside is that it can be tricky finding websites that will give you a positive return on your investment, but if you can do this then there’s definitely good profits to be made.

7. Free Reports And Ebooks

Writing free reports and ebooks provide an excellent opportunity to access your target market, particularly if you add a viral aspect to them. All you do is write your own content, based around the product you are promoting, and include your affiliate links within this content. If your information is of a high quality, you can get massive exposure for your affiliate links as people pass it on to other people, and share it with their list of subscribers if they have one.

8. Blogs

Promotional blogs are a modern and extremely effective way of promoting your affiliate programs. Because they often contain fresh content on an ongoing basis, they are loved by the major search engines, and can therefore attract high levels of traffic.

9. Email Marketing

Advertising in relevant ezines has traditionally been a good way of promoting affiliate programs. Although not as effective as it once was due to strict spam filters, a well-written solo ad or an attention-grabbing classified ad in a targeted high readership ezine can still get great results. For best results, however, you should aim to build your own list of subscribers so you can send out your emails whenever you want, and can actually build a relationship with your list, which will increase your affiliate sales.

10. Offline Advertising

This is the final of form of advertising I want to discuss. Most online marketers ignore offline advertising completely, but there’s no doubt that offline advertising still works, and can even outperform online advertising in some cases. Business cards, flyers, magazine and newspaper advertising are just some of the ways you can effectively promote products offline.

James Woolley is a full-time marketer who runs a number of profitable websites. His latest site is essentially an affiliate program directory that reveals his best high paying affiliate programs.

Did you know there is a ratio by which the default of banks can be predicted? This ratio is being pointed to as the predictor to the collapse of Indy Mac Bank because of its Texas ratio.

This system was developed by Gerard Cassidy and some co-workers at RBC Capital Markets, they conceived that by dividing the value of the lender’s non-performing loans by the sum of its tangible equity capital and loan loss reserves gives a measurable ratio.

While analyzing Texas banks during the early 1980s recession, Cassidy found that banks tended to fail when this ratio reached 100% or higher. There was a similar pattern among New England banks during the recession of the early 1990s.

The Texas ratio for Indy Mac bank was reported as 140% and pointed to as the reason for the failure, yet the same people making these claims fail to mention the banks that have ratios in the 200 to 300% range yet still in business.

Was Indy Mac in trouble? Maybe yes, maybe no, did it help that a New York Senator leaked a letter to the press about his concerns that Indy Mac was in trouble. Why would a New York Senator be concerned about an California bank? In an election year it should not be hard to factor. That letter caused a run on the bank and the attempts of Indy Mac to gain a loan to make themselves more solvent was thwarted by the good senator’s actions.

So do we trust the Texas ratio or is it another Canadian bankers numbers game that really doesn’t take into account the actual banks business and tries to over simplify a way to make predictions in matters that really can’t be measured by a simple ratio.

Bank failures are on the rise and many people feel they can not trust their money with the banks. Remember banking laws are such that your bank does not have to keep but 10% of its assets in reserve. If you run down and withdrawal your savings, CDs, and other investments because of rumors and innuendo of some power hungry politician you’ll be playing right into their arm.

The fact is most banks will not be able to pay you that day if your asking for a significant amount of money, the days of thousands of dollars in bank vaults is a thing of the past. If the withdrawals are greater then 10% of the banks assets because the word leaks out and hundreds of bank customers like you go running down to the bank for their money, the bank will have to borrow the funds to pay you back (if they are able), this will cause their Texas ratio to climb and the sky is falling crowd will feel vindicated their system works. Banks can not liquidate their investments like you can by heading to where they placed their money and ask for it back right now to pay you.

Our banking system is built on trust, we trust the bank will have our money when we go and ask for it back. We trust the bank will pay us interest on the money we invest with it. But banks are a business like any other, run by people. Some smarter some not, do they make mistakes? Of course they do. All that means is you as a consumer must do your due diligence. It is your responsibility to make sure you know where you are parking your money, you are the first line of defense for your money.

Here is what I would recommend. The basic rule for individual accounts is that FDIC insurance covers up to a maximum $100,000 per depositor per bank. One way to guard larger sums is to hold accounts under $100,000 at a few separate banks, remembering that accumulating interest could push an account over the limit jeopardizing the amount above the 100,000.

There are other products, so diversify your money, take a serious look at guaranteed investment vehicles like indexed UL’s or believe it or not real estate. Remember buy low sell high. Now it’s a buyers market and finding great deals is very easy. Return on investment can be significantly higher and much more secure now that prices have fallen. Finding homes in locations where rents are steady and there is an abundance of renters since most have lost their homes, they need to rent. Finding ways that make sense in times like this is tricky but with right guidance and without panicking it should not be a problem for you.

An accomplished business owner, entrepreneur, radio talk show host, developer of super green sustainable homes and a mortgage and real estate expert. Having worked through thousands of financial transactions has given me the expertise to couch people with most types of financial matters. From securing a loan to retirement planning and asset protection. For more information please email me at dean@premiercitizensfinancial.com or visit my website http://www.premiercitizensfinancial.com/home.html

When I first found out about Liberty League International, I thought I’d stepped right into partnership movie “The Secret”, you know, the movie about the Law partnership Attraction. I had watched the movie a couple of times partnership realized the significance of what it was all about. I was online looking for a home business opportunity and an impression (landing or splash page) came up with a picture of a couple who were retired. According to them, Liberty League was a wonderful home business opportunity, they were only working the business a few hours a day and were able to spend time on their catamaran in the Gulf of Mexico and really take the business anywhere in the world.

“Wow! I’ve found it! The home business I’ve been looking for is right in front of me, the Law of Attraction at work” I’m thinking. So I filled out the contact information and waited.

A short time later I received a call from a very nice woman who explained that it was her website which I landed on and she would answer any questions I might have. My first question was “what is this all about?” and she explained that I would have all of my questions answered on a “business overview call”, when would be a good time for me to go to a call? The next call was at 3:00 p.m. so I jumped right on that call.

On the call one of the members of the Executive Marketing Council reads from a script and tells you that you can actually start your own home business which has the potential to generate a multiple six figure income for only $1,495.00, and they explain how, once you have passed up your two “training sales” to your adviser you are now in a position to earn a “profit” on all of your sales at this level for life. Then they carefully explain that now that you are “qualified”, everyone who you sponsor will in turn be passing up their first two sales to you, and those two people will in turn pass up their first sales, and those four people will in turn pass up their first two sales, and those eight people will in turn pass up…well I guess you get the picture.

Next, they start explaining the historical numbers. Seems that one out of every three people who signs up at the first level – which is called the “Beyond Freedom” level – will purchase a Liberty Conference ticket for $7,995.00 and here’s the great news, you’ll be earning $5,000.00 for each of those purchases.

And it just keeps getting better. About half of those people who purchase the Liberty Conference ticket will purchase a Summit Conference ticket and, are you ready for this? you’ll be earning $8,000.00 for each of those purchases. Well I was mildly excited about all of the potential to say the least.

Then, after the call was over, something very interesting happened. I received a call from the very nice woman who asked if I had any questions and I said “yes, I have several”. Her response was “OK the next step will be to do a three-way call with another leader in the company so that they can answer all of your questions. And she made the arrangements for a call back in about a half hour to get my questions answered.

One of my questions was “I heard somewhere in the “business overview call that I can get started for $49.95, is that true?” “Well yes, but then you’ll have to pass your first five “Beyond Freedom” sales up, that would mean passing up $5,000.00 in “profit” why would you want to do that?” How true. I had much to think about so I told my prospective sponsor that I”d have to give this whole thing some thought and I’d get back to her.

That night – actually about 2:00 in the morning – I woke from a sound sleep and thought about the numbers. All I have to do is pass up my first two sales and then I’ll be “qualified”. After that everyone who I sponsor will be passing up their first two sales to me, at $1,000.00 profit each and then there are those profits of $5,000.00 and $8,000.00. Now I see how people are making fortunes in home based businesses. But I’m still holding back for some reason. Then I receive an email from the very nice woman inviting me to a a special Friday morning call which will give me a “peek behind the curtain” into the lives and successes of many of the Liberty Leaguers. Wow! this sounds like its too important to miss, and besides I have an extra half hour on Friday morning, think I’ll go to the call.

This is where “The Secret” went to work on me. I dialed in to the Friday morning call and lo and behold the stories which I was hearing were just incredible. One in particular grabbed me. Seems there was a young man who had been a security guard in a wealthy community out west, perhaps Colorado. He kept getting calls to this beautiful mansion because of a faulty alarm, and remembers just a few short years ago how one day while in the mansion he made the comment that he would never earn enough to be able to afford such luxury. Well guess what? Since joining the “League” a few short years ago, are you ready, he now owns that very same mansion. Pretty cool, right?

Well I’m sold! And let this be a lesson to you, do some due diligence before you invest in a home based business. Because not only did I invest the $1,495.00 plus shipping, I wound up investing more than $20,000.00 to “capitalize” my business. Want to know why?

Shortly after joining Liberty League and receiving my “Beyond Freedom” package I went right to work on the business as well as the personal development program. I was placing ads on the free internet sites and getting some responses and was so eager to be able to pass up a sale and then another sale to my adviser and be “qualified”. Then I received a call from the very nice woman who explained that I should go on the Tuesday night call that explains the conferences and how to really make the BIG money. Well I was shocked and dismayed. Now and only now I find out that you have to purchase one of the Liberty Conference tickets for $7,995.00 in order to qualify to earn a “profit” of $5,000.00 on tickets that you sell. Oh, and as for the Summit Conference? Same thing you have to purchase a Summit Conference ticket for $12,995.00 in order to qualify to earn a “profit” of $8,000.00 on tickets that you sell. As its explained, “this is the way to properly capitalize your business”. I was upset but what the heck, I’ve got the $20,900.00 so once I make a couple of these “Beyond Freedom” sales, I’ll go ahead and get myself “properly capitalized”.

Well a few months go by and I’m following the program and nothing’s happening. I’m generating plenty of leads and placing a lot of people on the business overview calls, I’m doing my personal development and journaling, and still no sales. Good thing for me there’s a Super Saturday event coming up and its close to home, all I have to do is buy two tickets, one for me and one for my wife, at $299.00 each, and we can go and talk to all of the leaders and find out what they are doing to be so successful. I’m certain that they will reveal all of the inside secrets and it won’t be long and we’ll be earning a fortune, just like they are.

We went to the Super Saturday and I’ll be darned if I learned anything new. Oh I realized that these people who were making five figures in a week or six figures in a month were just ordinary people, just like you and me, but about the best advice seemed to be “I was just like you, my business wasn’t going anywhere until I made the commitment and decided that this was it and I was going to go “full boat” (which means I’m going to buy my Liberty and Summit Conference tickets) and then my business, as if by magic, just took off.

So that’s the secret! You just have to have faith and take the big leap and invest another $20,990 to capitalize your business and then it will happen for you. Well there must have been something in the air or water at Super Saturday because against all reason and logic, I did it. I purchased both the Liberty Conference and Summit Conference tickets. As a matter of fact, I couldn’t wait to do it. I actually went online and placed the order for them on Sunday following the event. And again, I did it “no questions asked”, and again the most important information was withheld until the tickets were paid in full.

Here’s the real kicker! I found out shortly after I “qualified” at the “Beyond Freedom” level that it would take an incredible effort to become qualified at the other levels. Here’s why. Seems that your adviser has a register for each level. After I purchased my Liberty Conference ticket their register had to have four ticket sales after mine in order for me to be released. You want the most interesting aspect of this entire adventure? My advisers weren’t even actively marketing Liberty League anymore. What did that mean for me? It meant that I would have to pass up four ticket sales at the Liberty Conference level in order to qualify to earn profits at that level, and four ticket sales at the Summit Conference level in order to qualify to earn profits at that level. Can you believe it? That’s $52,000.00 more in profits that the very nice woman, my adviser, would earn before I earned a DIME!

Is Liberty League international for you? Only you can decide however, if you want some more information you might want to Google Liberty League International and do a thorough investigation of the first couple of pages. Then, when you’re finished there, Google Australian 2 up. Read Michael Dlouhy ezine and also scroll down and you’ll see Liberty League International has had a class action lawsuit filed against them. I’m certainly not telling anyone not to go with Liberty League, just do your due diligence – something I didn’t do.

Hi, I’m George L. Kenney

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