231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

USANA MLM Business – Opportunity Or Scam?

Usana Health Sciences has become a very large and well-known health and wellness network marketing company They offer a variety of healthy self-care and home-care products, as well as an income opportunity if a person becomes a distributor and sells their products.

However, there are some very real concerns and issues about starting or participating in a Usana business. In this article, I will provide and unbiased review of the pros and cons of developing a Usana business, and see if we can find out whether Usana is a great opportunity – or a great scam.

  • Usana – The Good
  • Usana was founded by Dr. Myron Wentz, a microbiologist and immunologist. Dr. Wentz began Gull Laboratories in 1974, and built it from a one-man operation to a leading provider of viral diagnostic tools. In 1992, Wentz sold his stake in Gull Labs and began Usana with the hope of preventing disease, not just treating disease. Today they offer a line of high-quality supplements and personal care items.

    For distributors, Usana pays out with a binary compensation plan, where a representative builds a left-side and a right-side simultaneously. One of the good things about their compensation plan is the fact there is no monthly group volume requirements. Commissions are earned based on group sale volume (GSV).

    Another big pro about beginning a Usana business is the need – currently, the demand for products that might help in the prevention of disease is huge. With the current marketing trends being what they are, you can sell just about anything that has “anti-oxidant” written on it.

  • Usana – The Bad
  • Usana is a network marketin company, which simply means that a distributor can go join and build a downline, and grow a distribution channel. The first flag that we noted was that Usana encourages their distributors to purchase business opportunity leads (or bizop leads) to grow your organization. The problem with opportunity-seeking leads is that nine times out of ten, they are not really looking for an opportunity. In fact, the way that many opportunity leads are gathered is rather misleading. The process works like this: you are out surfing the web, looking at different sites, and you suddenly see a pop-up ad to win a free toaster if you take a quick survey. If you take that survey, you will be asked to submit your name and phone number to get your free toaster. The minute you fill out that form, you actually become an opportunity-seeking lead.

    For people that have used opportunity leads before, this would explain why so many times when they contact the lead, they have no idea how they got put on an opportunity-seeking list. Also, these types of lead lists are sold and re-sold multiple times, so that when you get around to contacting the lead, they have already talked to eight different people with a “huge business opportunity”.

  • Usana – The Ugly
  • The reason that so many network marketing businesses have such a bad reputation is …

    Seven Major Differences Between Chinese and American Business Cultures

    Understanding cultural difference is the key in building lasting relationships with your business partners abroad. China has a long and rich history and culture that has built a business environment that is markedly different than U.S. business culture:

    1. Relationship-based versus transaction-based

    Relationships come before economics in China whereas in the U.S. economics generally take a front row seat to relationships. Chinese people do business with people they know and trust.

    Rather than getting into business discussion immediately once you meet, take time and get to know your potential partners abroad; invest now for payoff later. Once trust has been built, Chinese business people will gladly share their thoughts with you and will give you honest feedback. One way to build the trust and rapport is to hang out outside the office hour, for instance, invite them to lunch or dinner.

    2. Face to face interactions versus doing business without meeting in person

    Most of Chinese business activities and deals are made through face-to-face interactions. To successfully launch in China, you will need to visit China and build relationships with your partners through frequent face-to-face interactions. To accommodate Chinese business culture norms, many American companies have opened offices and hired locals in China to facilitate business in this foreign market. Other American companies form partnerships with local companies to bypass the need to establish a branch or office abroad.

    3. Negotiations: prepare to haggle

    There is a huge difference in the way negotiations take place in the U.S versus China. Chinese people tend to haggle and to believe that there is room for negotiation on every deal. U.S companies need to make a padded proposal. Always start with a reasonable proposal regardless and expect multiple rounds of negotiations.

    4. Entertaining is a part of business

    In China, entertaining (hosting) is an integral part of the business culture. In most instances, inviting potential partners or employees to dinner is appropriate and considered an informal meeting. A dinner with potential business partners may be used as a way to build trust and deepen a relationship. It may be used as a way to solicit feedback that you may be unable to obtain during the standard workday or in the typical work setting. A dinner or other social outing is also an appropriate way to follow up with deals informally agreed upon.

    5. Communication style

    Chinese people tend to be quiet and reserved in business settings while Americans tend to be outspoken and eloquent. This cultural difference may make it challenging for U.S. companies to obtain the information they seek such as concerns, feedback, outright rejections, etc. Many times it may take a series of formal and informal meetings to reach your desired goal.

    6. Closing a deal

    Unlike in the U.S., in China the signing of a contract does not mean immediate business. After a contract is signed, understand that this is the beginning of the arrangement; follow up with your new partner and look for actions. Actions taken on the Chinese …

    6G Welding: What Is It? It Is The Highest Paying Of All Welding Positions – Make $100K A Year!

    What Kind of welding job pays that kind of money? About 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of welders are certified 6G code welders. 6G is pipe welding – in fact it is the test for: “All-position pipe welding.” The skill test is to weld two pieces of pipe together which are mounted in a fixed position, at 45 degrees. Because you are welding a round object set at 45 degrees, you are proving your ability in every conceivable position. The weld quality must be very high, because replacing poorly welded pipe joints in a power plant (for example) is very expensive.

    How much CAN a 6G Pipe Welder make?

    Wages have gone down during the slow down. Not that long ago a “rig welder” (a welder with a welding machine on a truck) in Alberta, Canada would average $330,000 a year, but times are hard, so it is roughly half that much now. Off-shore oil rigs employing 6G welders are paying about $100k a year right now.

    There are very few trades in life which are purely “skill based. In other words, the possessor of the skill is highly paid simply because they can perform the skill (think of a tight-rope walker in a circus). Most high paying trades or skills require specific schooling, plus proof that you can actually “do the skill”, and rarely will the skill require hand-eye-brain coordination to the degree of a tight-rope walker. 6G pipe welding IS a skill like tight rope walking – it requires dedicated, correct practice. Like tight-rope walking, 6G pipe welding also does not require any specific education or graduation certificate in the USA. No one cares where you went to school, or IF you went to school, as long as you show up and you really can weld that pipe joint like walking a tight rope! If you are good at this ONE position, you’ll be put to work. No one CARES where or how you learned the skill and no one cares if you don’t know another thing in this world!

    Can imagine this? Imagine a room of 100 of the most highly skilled structural welders (typically union iron workers, working on large building frames) and 100 CWI Welding Inspectors (the best of the welding inspectors, with vast welding book knowledge) and ONE uneducated, illiterate but certified and very capable 6G pipe welder… And there is an urgent need for someone to weld a high pressure pipe joint on a 6″ schedule 40 carbon steel pipe – guess who would be the ONLY person in a room of 201 people who could do it? That’s right, the pipe welder, even though the pipe welder can’t READ!

    Anything worth having requires focused work. What do you think a heart surgeon concentrated on learning while in school? That’s right, heart surgery. Focus on the one thing that will make you money and burn it up like a laser beam! OTS! “Own The Skill!” Be careful NOT to waste time, money and effort on …

    A Credit Tenant Lease (CTL) or Conventional (Bank) Loan – Which Is Best for My NNN Deal?

    Many good quality, single tenant, net leased properties qualify for both credit tenant lease (CTL) financing and conventional commercial mortgage lending. Net lease property investors should consider the pros and cons of each before deciding which type of loan to commit to.

    CTL lending is generally best for the long term income investor who wants permanent, high leverage, fixed rate, fully amortized financing and desires speed and certainty of execution. Bank lending has a lower initial (but not overall) cost and can offer a larger variety of terms and conditions. Banks are best for investors who need options, don’t need maximum leverage (have large down-payment available), and who are not sure if they will hold a property for the long run.

    The Difference

    CTL lending combines aspects of commercial mortgage lending with specialized investment banking in-order-to close deals. A CTL banker issues and sells private placement corporate bonds that are secured by the lease on the real estate. The proceeds of the bond sales are used to fund a commercial mortgage loan for the borrower. The loan is administered by a third party Trustee throughout the life of the deal.

    Traditional commercial mortgages are standard loans secured by mortgage liens against the real estate, the income the property produces and the credit of the borrower. Banking institutions originate a loan and fund the deal either by selling the loan to an investor (private or Government) or by lending its own funds and holding the loan in its portfolio.

    Leverage

    The ongoing credit crunch has forced banks to tighten up their lending criteria. It is highly unlikely that a commercial bank will offer any more than 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} loan-to-value (LTV) on any deal today. Banks have no incentive to take unnecessary risk; they can borrow money from the Fed (Federal Reserve Bank) at 0{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} percent and buy 10 year Treasury Bonds at 2{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} earning 2 points risk free. They will pass on high leverage loans and only lend where they have large amounts of protective equity.

    CTL lenders will lend up to 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} LTV (lease fee valuation) on a non-recourse basis. They are in the business of loaning the full, current cash value of a lease (against the guaranteed future income). CTL bankers, without question, make the highest loan offers in the commercial real estate finance industry.

    Speed and Certainty of Execution

    CTL loans can close in about 1/3rd of the time it takes to close a conventional commercial mortgage. CTL deals have been known to be completed, from-start-to-finish, in as-little-as 45 days (unheard of in the world of commercial banking) but generally take 60.

    Bank loans take at least 60 days, sometimes 180 or more. Also, because CTL deals either qualify or doesn’t, a banker can give a borrower a solid yes or no very quickly. There are a thousand ways a bank loan can fall through but, once a CTL banker commits to a deal and a borrower signs off, there is a near 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} certainty of execution.

    Recourse

    CTL …

    Tubal Reversal Insurance Coverage

    A tubal reversal or tubal ligation is a procedure that surgically corrects and reconstructs the fallopian tubes of the female reproductive system for purpose of conceiving. The procedure is performed by a credentialed surgeon who is considered an accomplished specialist in his or her field with proficiency to restore functional capacity of fertility. There are basically three standard operations utilized in the medical community to accomplish this reconstruction which are displayed prominently in media including implantation, anastomosis, and a salpingostomy. All variations of correcting the problem are operationally invasive, inherent in risk, relatively expensive, and elective thus not usually covered under normal circumstance by health insurance, or is it?

    Why Is Tubal Reversal Usually Or Normally Not Covered By Insurance?

    A medically underwritten plan for an individual would require an exclusionary benefit period for a prolonged duration of time while reinvesting the monthly premium at regular intervals to earn sufficient return on invested capital hence funding the operation. The median average claim expenditure for Tubal Reversal Ligation surgery can run anywhere from $4,500.00 to $10,000.00 depending on several factors such as history of female complications, age, height, or weight and with just one person to pool this risk the cost of covering exceeds the insurers return on investment by a wide margin. The second reason is the fact that very speculative complications can occur during the course of operating such as excessive bleeding, infection, anesthetic casualty, damage to nearby organs, and risk of ectopic pregnancy all which would only exacerbate the claim cost expenditures and cause negative asymmetries in the medical loss ratio costing a fortune for the insurance company.

    Exceptions To The Rule.

    Group insurance benefits are unsurpassed in the arena of coverage and most often commercial insurance carriers write experienced rated policies instead of medically underwritten benefits to cover these procedures which are offset by factoring the premiums of the business enterprise as a whole. Simply put, with many employees paying monthly premiums there is financial leverage to provide this as a covered expense. Some states are required by federal mandated law to honor payment for Tubal Reversal Ligation if they do in fact cover maternity regardless of the provisions stipulated within its contractual arrangements with the insured. As a matter of fact, The National Infertility Association has addressed them by state including Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, West Virginia, and Texas. The caveat is there are certain loopholes in regards to evading or meeting such requirements such as not all carriers being required to offer maternity related coverage’s.

    Applying for Tubal Reversal Insurance.

    Our company Health Insurance Buyer will assist you in locating such coverage from carriers like Blue Cross Blue Shield, Humana, and Aetna to name a few insurance companies as well as help you locate reputable providers that perform the aforementioned services such as Chapel Hill Tubal Reversal Center, Center for Fertility and Gynecology, or Atchafalaya Obstetrics and Gynecology as an example. Once our …

    Printable Day Planners Save Time and Money

    Paper-based day planners are still very popular professionals and busy families. However, when you run out of preprinted pages from the manufacturer, your careful planning comes to a halt until you can obtain refills.

    Refills of dated pages, blank planner pages, calendars, to-do lists and address book pages for three-ring datebooks of various sizes are available from stationery stores and via mail order, but they can be pricey and hard to find.

    One convenient option is to locate, download and print planner pages from online sources. In some cases, the printable refills are free. You should be able to find pages designed to fit common commercial datebooks such as the Day-Timer, Day Runner, Franklin Covey and other systems.

    If you have some ink in your printer and a few minutes to trim pages and punch holes, you can have your favorite day planner back in business from the comfort of your own home.

    If you decide to go the printable refill route, the first step is to determine what size organizer you are using. Here are the most common planner sizes: executive (8.5 "x11"), desktop (5.5 "x8.5"), travel (4.25 "x6.75"), personal (3.75 "x6.75"), pocket (3.5 " X6 "), hipster (3" x5 "-index card size) and mini (2.75" x5 ").

    Executive and desktop size planners are commonly referred to in an office setting. Travel, personal and pocket versions are made to bring along in a purse or briefcase and use on the go. The smallest planners, the mini and increasingly popular hipster size, are designed to fit in a pocket.

    Some people use only paper planners, while others rely on them to supplement computer-based organizing tools.

    Reference the pages that came with your datebook, or simply measure the pages, to figure out what size you need. Also decide if you want to view the pages in landscape or portrait orientation.

    Select dated or undated calendar pages (daily or weekly), monthly calendars, to-do lists, address and phone pages, graph paper, lined pages and any other variations you expect to use.

    Typically, free printable planner refills can be downloaded in PDF form, which can be easily opened, viewed and printed using Adobe Acrobat's free Reader. To save ink, consider printing the pages using only your printer's black ink cartridge.

    Once the pages are printed, you'll need to trim them down (except they are executive size). Some planner refills come with handy guides for trimming as well as placement circles to aid in hole punching.

    Then, pop them in your planner and you're ready to rule the world, even more organized than before!

    Copyright 2009 by Kevin Savetz …

    Why Do People Steal Your Identity?

    Sometimes, it is hard to understand why a person would want to steal your identity. However, there are many reasons that a person would steal an identity and they are not all good ones. Criminal minds act out of rebelliousness, desperation, and for personal gain. They all have their own purposes for stealing your identity, but they all possess a negative impact on the victim’s lives that they steal. Stealing your identity is easy for them, and it is crucial that you always use identity theft protection tactics in your life or this is how they will use you identity:

    • Fraud via credit cards- Thieves steal your information and especially your credit card numbers so that they can make large purchases in your name. They do not worry about your credit because they do not have to suffer the consequences. Identity thieves change the billing address of the credit card companies so you do not know when that have committed the crime.
    • Utilities and phone- Sometimes these criminals steal your identity to use for purposes of hooking up utilities and phone accounts in your name. This way they can ruin your credit and reputation as well as benefit when they have already done this to their own good standings.
    • Financial and bank- Identity thieves will steal your personal information so that they may create bank accounts in your good name as well as take out loans they never intend on repaying. Also they steal ATM cards, write counterfeit checks, and take your life savings in an instant.
    • Employment and legal- You can have your identity taken with government documents such as social security cards, drivers licenses, even birth certificates. These smooth minds take this information to obtain employment, governmental benefits, for tax purposes and to receive medical treatment.
    • Personal gain-Complete and utter desperation will cause people do do crazy things. Identity theft gives a person a new self, reputation, and history. With this a person can evade the law, escape their life, and start all over while ruining someone else’s life.

    Although you may not want to deal with the fact that identity theft is very popular, it is best to bee safe and not sorry. Ignorance could cause you great hassle and financial short-comings. In order to protect yourself from the various reasons a person may steal your identity you need to be aware of all the facets that identity theft involves. With this unique knowledge and understanding, you will be able to beat this horrific crime before it happens to you.…

    How to Start a Foreclosure Cleanup and Property Preservation Company

    A new article on June 3, 2009 from MSN Money writer Michael Brush indicates that there is a third wave of foreclosures still to come from prime borrowers (i.e. those previously “safe-borrowers” with sound credit and fixed-rate mortgages) as a result of job losses thanks to the worsening economy (“Coming: A 3rd Wave of Foreclosures”).

    The article states that “In the first quarter, the percentage of these borrowers who were behind on their mortgages or in foreclosure had doubled from a year earlier, to nearly 6{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}” and goes on to say that “Credit Suisseanalyst Rod Dubitsky predicted last week that 8.1 million mortgages, or 16{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of all mortgages, will go into foreclosure over the next four years. A weak economy, continued declines in home prices and rising delinquencies among prime borrowers all but ensure that foreclosures “will march steadily higher,” he says.” Not such great news for the economy, but good news indeed for entrepreneurs interested in starting a foreclosure cleanup business to clean and repair foreclosed homes for the banks.

    To put this in perspective, this means that there will be over 2 million foreclosures a year and more than $2,025,000,000 up for grabs in money that will be spent on cleaning up these foreclosed properties (since the average bill is $1000+ to clean up one of these properties).

    Let’s take a look at how you can position yourself to capitalize on this coming foreclosure movement

    Set Up Your Company Properly

    If you want to be hired for cleanup or preservation work, you’ll need to operate your business as a professional company. The good news is that you can set up a business quickly and inexpensively, and usually on your own. Many people decide to set up an LLC (Limited Liability Company) because of how quickly and easily it can be done but you’ll want to check with your accountant or other business professional to select the type of business entity that’s right for your personal situation.

    If you do decide to start an LLC, you can usually find all of the documents you need online from your state’s government website. Usually the branch you’re looking for will be called the “Industrial Commission” or “Corporation Commission” or similar. Try typing in “start a business + ______ (your state)”. Anything ending in “.gov” is usually a good place to start as it indicates a government site.

    Once your business is set up, you’ll need an Employer Identification Number (EIN), which is like a SSN for your business. You can register for one online: type in “IRS” & “EIN” into a search engine to find the online registration link.

    As soon as you have your EIN (which you can usually get immediately online), you can open up a business bank account for your company. This step is very, very important. In the excitement of things, many people get caught up in the day-to-day dealings of running a business and use their personal accounts to pay for business expenses. Not only does …

    Propagate Spider Plants to Sell – Easy Money

    Do you have a greenhouse, a windowed garage or some spare space with natural light as protection from the winter weather? If you do that space can be used to earn you money. The business is growing plants from cuttings, you can reap the benefits a few months on and over 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of this will be profit.

    If you are just starting I suggest you try this on a small scale and build up from that. A good number to start with is 20 to 50 cuttings. You need to decide what plant you are to propagate. My advice to beginners would be to take the most common and easy to grow plant initially and experiment after you have successfully grown and sold your first batch.

    The best beginners plant is the spider plant, many home have them and they are the easiest to grow as they automatically produce ‘little’ spider plants for you to pick off and put in pots. You can’t fail to propagate these plants successfully. What’s more, they are one of the best selling houseplant, so no worries about sales afterwards.

    All you need are some plastic pots, some potting compost, a tray to put the pots on and a frost-free, well-ventilated area where there is natural light – not direct sunlight.

    You can get cutting from the spider plant free from friends and family who might have these plants that readily sprout the cutting. Or you can buy a few mature plants and wait a couple of months for the cuttings. Even hairdressers, dentists, doctor’s surgeries along with many other shops have these plants sitting around, you can ask them if they want a free pruning service, most will be glad for you to do this.

    Simply place the pots in the tray and top the pots up with compost firming it down, not too firm though. Then pour water into each pot so it is soaked and leave it overnight. The next day poke finger in the centre of the compost to a depth of around 3 cm, place the cutting into the hole made and firm the damp compost around the base of the plant. It is as simple as that.

    You need to now let the plants establish their rooting system over the next few months before you start selling them. The only work you need to do now is to make sure they don’t dry out. The tip is to water just before is dries out; this of course depends on the environmental climate.

    You now have spider plants ready for sale. Have a look at the cost in garden centres and undercut them, you will get your money back on the cost of pots and compost after selling just a couple.

    Car boot sales are the best place to sell these, perhaps selling wholesale to other carbooters for them to sell on is a great way to make a quick profitable catch with the least amount of work involved.…

    How to Sell AmWay Products – 3 Ways to Make Money Fast!

    AmWay, or the American Way as some people refer to it, is a Multi-Level Marketing Business that has been in operation for over half of a century. When you subscribe to the program, you will be given a brochure and a few items that teach you how to sell AmWay products. The training focuses on creating and extending your network, is helpful for a beginner. However it is not as effective as it was comparable to the past. This is because the public has been scheduled with people who are subscribed to AmWay, or are wary of the marketing tactics that it employs. When faced with this difficulty, a way to go about it has interested prospect look for you to join the business instead of you chasing after them. Here I am going to talk about how to use the world wide web in your networking business.

    3 Ways on how to sell AmWay products and make money fast!

    1) Write about it – there is a lot you can say about AmWay products, and the marketing strategy that the company has employed. If you know the possible success that it offers, or even have experienced it, then it would be good to share it. Create a blog and tell others about it. Place contact information so that people who need help can get in touch with you. These folks are considered as potential network expansions.

    2) Post videos about your work – not everyone will read articles, even if it promises them potential earnings. To reach out to them, you can create videos that contain graphic illustrations of your very own earnings, as well as potential incomes that they can get. Upload to video distribution network like You Tube. From there, you can post contact information, or place a link that leads back to your blog so that they can reach you or move on to get more information from your posts.

    3) Follow up on your network – most people see possible earnings from selling AmWay products, but not all are able to follow through. It happens when your downline feel discouraging for not seeing returns immediately. You need to pass this message down when you are sharing with them on how to sell AmWay products, tell them to set a right expectation, work consistently and hold on even when things seems difficult. This is important because many times, people give up just an inch before the finish line.

    There are several who have built substantial wealth from the efforts of their downlines promoting AmWay business. If you are looking to create huge income in this direction, you have to lease on the capabilities of technology to help shorten your path to success. …