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Thursday, May 31, 2012

Yosemite National Park


Wednesday, May 30, 2012

Like the Girl Scout Motto, "Be Prepared"


Major millionaire and billionaire celebrities, such as Robert Kiyosaki, best-selling author of “Rich Dad Poor Dad,” and Donald Trump highly recommend Network Marketing.  And yet, there is a negative reputation that still hangs over the industry.  While over the years, more and more people are joining, and succeeding in network marketing, there is still a stigma attached to the term.

Let’s review why the “scam” reputation still lingers around the edges of the industry. Anyone considering starting their own Network Marketing business needs to perform a reality check.  If you enter the business believing you’ll earn income from day one, it very likely will NOT happen.  In addition, just like every “real” business, your income is likely to vary from week to week or month to month.  Particularly at the beginning, you may go weeks without earning any money at all!

Just like a store or restaurant owner or a computer repair company, when the business owner started out, they were not in profit mode until they built a clientele.  As a Network Marketing business owner, you must be prepared for this by having some type of income to tide you over until your business “takes off.” 
Network Marketing offers a long-term financial solution.  If you expect to be earning thousands of dollars within your first few months, you likely will be disappointed, and you’ll want to steer clear of anyone who is “guaranteeing” or “promising” that you will.  While it is possible to earn very good money in Network Marketing in a short period of time, it takes the vast majority of people much more time.   
I do not want to discourage you from entering the Network Marketing industry, because it truly is the most affordable and simplest way to achieve financial freedom.  It is very important, however, that you be educated and thoroughly understand that Network Marketing offers a LONG TERM financial solution.  So begin your business by making a long term commitment to achieve great results.  Your patience and perseverance will pay off.  In the years to come, the efforts you put forth and the sacrifices you make today will pay off.
Once you have accepted the long term commitment, remember that you most likely will be spending money with none coming in early in your business.  Like traditional business owners, when you first start your own business, expect it to cost you for the first couple of months. With traditional businesses, they are often “in the red” for years before they are earning a profit.   The good news for Network Marketers is that, if you actively working your new business, it should be only a matter of weeks or months to reach profit mode.
The great advantage of a Network Marketing business model over other businesses is that your costs are probably very low.  You have no rent or franchise fee, and you need not pay any employees that those in traditional businesses must.
It is important to keep “the big picture” in mind.  Over time, you could build your business to enable you to earn unlimited income!  Most people in the Network Marketing business quit, because they expect success to “happen,” while in reality, it is those who “make it happen” who are successful.  Those who quit either were not totally committed or they simply were not willing to persevere.  The difference between Network Marketing business owners who succeed and those who do not is based on commitment, dedication, patience and persistence toward reaching their goals.
When you start your Network Marketing business, make a commitment for at least your first year, and work your business, put in the required effort to become established.  When you recruit new team members, ask them to make that same commitment and put forth that same effort.  In that way, your entire organization will be rewarded.  When prospecting, you want to find people who are willing to commit and work their business, not just join your team.
As we work toward achieving that amazing income, remember that perseverance is not one long, continuous effort.  Rather, it is many small efforts performed one after another.  Set and write down your long term goals.  Also set smaller goals along the way to give you a sense of achievement, which in turn motivates you to strive for the next goal.  Over time, you will see your income begin and continue to grow, limited only by your own efforts and dreams. 
As long as you enter the Network Marketing industry knowing what to expect and you are willing to do whatever it takes to reach your goals, you will become one of the success stories we all read about.

The Big Picture


When speaking to one of my team members today, we were discussing how, in network marketing, people often are unable to see “the big picture.”

As most people know, in network marketing a large percentage of those who join quit before they’ve put any real effort into their business.  I believe that is because they don’t have the right perspective, their overall view of what can be achieved is beyond them.
Those who can see "the big picture" are able to look beyond the immediate future, seeing in their mind through a wider lens that displays the true possibilities that lie before them.

There are network marketing companies that promise almost immediate success.  Although on rare occasions, someone’s business does take immediately, but it is bar far the exception, rather than the rule.

Network marketing companies that pay residual income do not pay a large amount for every sale an associate makes.  Rather, they will earn a small amount, but they’ll be paid that amount month after month, year after year, rather than being paid only once.  With residual income, once an associate builds a good income, even if they stop working their business, as long as they remain with the company, their residual income continues to come in.

I’ll use my own company as an example.  Xpress Healthcare sells discount health and dental plans and benefit plans that reduce our members’ costs in many other areas of their lives.  For instance, if I sell our top plan, I will be paid $15, which by itself may seem a rather small amount, not much at all.  However, I will be paid $15 every single month for every active account I sell.  Let’s say I sell our plans to a business with 100 employees.  From that one sale, I’ll be earning $1500 month after month.

In the grand scheme of things, $15 is looking better.  PLUS, I’ll be paid a percentage of the sales people on my team down two levels are paid.  So, in addition to the $15 I’m paid for my personal sales, I’ll be paid $2.50 each month for all of the top plans my team members sell.  Again, using that company with 100  employees example, if my team member made the sale, I’d be earning $250 per month, and I did no work for it!
Of course, anyone who “sticks it out” continues to make additional sales that begin stacking up, growing a larger and larger residual income.  Is that “big picture” beginning to look better? 

I personally believe that those who are unable to see “the big picture” should not work with a company that pays residual commission.  They should select a company that pays larger, one-time commissions.  If they are wise, they’ll invest it well.  If they are not, they may end up with nothing in the end.

With my own company, as with many others, the possibility of earning the “magical” six-figure income is very real for anyone willing to work for it and not quit.  I personally never worked a j-o-b where I came anywhere close to earning that much money, and if I quit that job, I received no additional paychecks.  So, what if you had to work two years, or three, or five?  Seeing that “big picture” up the road should keep you staying the course until you reach it. 

New Week, Fresh Start


Here we are at another new week.  I know it is Tuesday, but since Monday (yesterday) was the Memorial Day holiday here in the USA, most of us did not work yesterday, or at least not much.

So, what shall I do this week, and what challenges will I face? 

In just a few minutes, my husband and I will leave to go for a walk.  We walk half an hour most days to get a little exercise.  Since I sit at my desk for many hours a day, it is important for me to get in my walk.

Then, I have some “issues” to work on.  I had computer problems over the weekend, and I’ll have to get them handled today.

Genealogy is my hobby, and when my genealogy software in my computer went crazy, I called tech support who advised me to do a “clean” uninstall and then reinstall it.  I did, but now the system says I cannot reinstall it without the software manager “resetting” my install.  Of course, that office was closed over the long weekend.  So, today I’ll contact them.

Recently new tool bars and tools have been installing themselves in my computer without my knowledge. I already had Windows Essentials on my computer, supposedly to protect it from viruses, etc. (according to my technician that was enough).  Last night, I purchased and installed Avast for an additional layer of protection, since “something” seems to be accessing my computer.  I am definitely not a “techie,” so I’ll have to contact the technician I use today to help me get rid of whatever things have self-installed in my computer.

At some point during the day, I will actually get some work done on my business as well.  I have a few prospects I must contact, and I will get some posts on IBO Toolbox, Facebook, etc.  I will also place a few ads.

Since it is now 5:18 a.m. where I am, I shall now go have breakfast, take a shower, dress and take my walk.  Then, I will be fresh and ready to approach the day’s work.

5/29/2012






Saturday, May 26, 2012

Quitting is NOT an Option!


I have often heard that of all those who join network marketing, 97% fail.  Fail?  I don’t think so.  Quit?  Very likely!  I really don’t have a precise percentage, but it may well be about 97% who quit without ever really trying. 

Far too many people get into network marketing expecting it to be easy.  With many companies, the work is uncomplicated, but it is work.  Many people should never be in network marketing to begin with, because they are not self-disciplined enough to work without a boss telling them what to do.  To work for themselves, they must be able to manage their time.  There are only 24 hours in each day, and if they do not utilize that time appropriately, they are unproductive, become frustrated that their business is not growing... and then they quit!

A small percentage of network marketers get into it knowing they will succeed, and they will do whatever it takes to make it happen.  They do not just want to succeed, they expect to succeed.  That small percentage of people actually usually works harder and longer hours than they ever did when they had a j-o-b.   I am among them, because no one will pay me unless I work and earn the money!  The residual income I am growing is my retirement.  If I ever decide I no longer want to work, my residuals must last me the rest of my life.

Once someone finds a business opportunity they love, with a product or service about which they are passionate, they are not stressed out by working long hours.  They have a feeling of satisfaction at the end of each day and look forward to “going to work” the following day.

During the several years I have been in network marketing, only a small fraction of those joining my team had the “quitting is not an option” attitude.  Most only planned to “give it a try,” and they gave up at the very first challenge.  I have gotten better about predicting which have the right attitude to succeed, but I am far from perfect.

I only speak to prospects who contact me.  I don’t call people on lead lists.  So, my prospects are “serious” candidates, but I still bring in a few new team members who deserved Academy Awards for their performance during our “interview.” Once they join, they disappear and apparently join the “witness protection program.”  And then, they join the 90+ percent who quit.    

Friday, May 25, 2012

I Am Blown Away!


The area where I live is known for many things.  Because of the history of the area, people often refer to it as “The Old West.”  “Cowboys and Indians” fought here.  This region is also the Hummingbird Capital of the United States, with myriad varieties of birds.  People come from around the world to see our birds.  Fort Huachuca, home of the U.S. Army Intelligence Center, is located here.  The San Pedro River, a river of major ecological importance and one of only two rivers that runs north from Mexico into the United States.

Another thing this area is known for is the frequent high winds.  Today’s forecast:
Strong and gusty winds will develop this morning and continue into late evening. A red flag warning and a wind advisory are in effect from 8 am to 11 PM MST. Areas of blowing dust are expected.

We have had a few very windy days this week, and it is expected to continue through tomorrow night.  I really dislike high winds.  Most people are not aware that wind can actually cause many physical and mental problems, because of the positive ions that come along with it.  You’re likely thinking about allergies, and wind can definitely cause allergy flare-ups.  However, in addition to allergies, studies show that the wind can cause headaches, dizziness, fatigue, respiratory problems, asthma and more.  Those pesky positive ions, for some people, cause nervousness, emotional unbalance, easily irritated, apathy, listlessness, insecurity, anxiety and depression.  I have asthma, and I become anxious when high winds blow for an extensive time – like this week.

Curious about wind, although I’ve always heard something about high and low pressure, I never really paid much attention.  So I did a little research.

I learned that wind is simply moving air (I didn’t need to be told that) and is caused by differences in air pressure within the atmosphere. When air is under high pressure, it moves toward areas of low pressure. The greater the difference in pressure, the faster the air flows.
The highest wind ever measured by Doppler radar is 318 mph during an Oklahoma tornado in 1999.

Wind speeds are based on the descriptions of winds in a scale called the Beaufort Scale, which divides wind speeds into 12 different categories, from less than 1 mph to more than 73 mph.  The lowest wind speed on the scale, less than 1, is considered calm, and the highest, hurricane.

Evangelista Torricelli- physicist mathematician (and assistant to the astronomer Galileo) who lived in France during the 1700’s filled a long glass tube with mercury. He then turned it upside down into a dish, creating a vacuum keeping the mercury within the tube.  Torricelli was amazed to observe that the mercury was not at the same height in the tube every day.
Unbeknownst to him prior to this experiment, the varying levels were caused by changes in the atmospheric pressure. Torricelli had created a very important weather instrument, the barometer, which is still used today to measure air pressure.  The higher the mercury is within the barometer, the higher the air pressure.  Scientists today also use a more modern technique today to measure pressure in units called hectopascals.

My allergies and asthma do not feel any better, and I am still a bit anxious, but I did find it interesting to learn what is causing my problems.  I hope you did as well.


Monday, May 21, 2012

Expose Yourself!


We are all familiar with the myriad ways to market yourself and your business online.  We use forums, advertising sites – free and paid, social networking, email, etc.

Sometimes we forget that prior to the internet, people marketed their businesses in a variety of offline ways.
This weekend, I was a “vendor” at a bazaar.  I set up an attractive table showing my product – in my case, flyers and brochures, since I sell a service, not a tangible item to display.  I also had a large, colorful tri-fold display board to attract attention of shoppers.

Network marketers who use this “old fashioned” way to market their products usually do not expect to make sales at the event, but rather they get prospective customers with whom they will follow up later or distribute brochures and flyers to simply get their name and company name into the community.

At this particular event, the organization holding it did very little advertising, so attendance was very low.  Even with the small number of shoppers, several stopped at my table to ask questions and picked up brochures and flyers.  

Over the next few days or weeks, I expect a couple prospects will contact me for additional information or to enroll in one of our services.  OR, they will pass the brochure along to someone they know who might benefit by our service, and that person will contact me.

Of course, I had hoped for better attendance, but I was not very disappointed, because a few people will know Xpress Healthcare or my name.  Then in a month or two when they get a toothache, they will remember that brochure they picked up.  Then, they may join our dental plan. 

I have also used another old-fashioned marketing method.  I have distributed flyers in various places around my town.  In fact, a few weeks ago, a gentleman called me inquiring about my business opportunity.  He had found my flyer on a grocery store bulletin board.  That gentleman is now on team.

We talk about “network marketing” all the time, but more often than not, we are referring to doing so online.  I recently joined a local organization of home business owners – the group who hosted the event over the weekend.  It is a group of nice people who help and support one another in their business endeavors.  If I know or meet someone who loves costume jewelry, I know a woman in the group to whom I would refer them person.  If I meet a man who loves grilling, I would give them the name of a gentleman in the group who sells unique grilling tools and marinades.  I also expect that when one of the other members thinks of someone who spends too much on their prescriptions, they will contact me.

The more methods we use to “expose ourselves,” the more our businesses will grow.  Using the various methods of online marketing, we certainly reach more people than we are likely to reach offline.  However, that does not mean we should abandon the tried and true offline methods – business cards, mailings, flyers and direct local selling.  They too have their place in today’s high-tech society.

Monday, May 14, 2012

How Self-Confident Are YOU?


Self confidence can make the difference between being successful or failing in your business.  How you perceive yourself is “contagious,” and it can make a difference in how others perceive you.

If you are not confident in yourself, your skills and abilities, it is time to begin working on improving your image to yourself and others.

It may seem odd to some, even when you’re working at home, appearance makes a difference!  When you don’t look good, it changes the way you interact with people.  They can hear it in your voice.  When you look sloppy, you likely  do not come across as professional on the phone.

I do not understand when I hear people talk about working in their pajamas.  I get dressed every day in fresh clothes, fix my hair and makeup, and then “go to work” in my home office.  I simply cannot perform professionally in my pajamas.  I don’t wear a dress or business suit, but I could meet a prospect wearing my “work” clothes.

Gratitude
Don’t focus too much on what you want.  It can lead you into dwelling on your weaknesses. The best way to avoid this is consciously focusing on gratitude. Set aside time each day to mentally list everything you have to be grateful for.  Recall your past successes, unique skills, loving relationships, and positive momentum. You’ll be amazed how much you have going for you, and you’ll be motivated to continue working and building your business.

Speak up
On our training calls, some people never speak up. I believe they’re afraid that people may judge them or think they are stupid. In reality, everyone on our calls is there to learn and share ideas.  They want to hear what we all have to say.  They are far more accepting than some believe.  They are not expecting other team members to be an expert on any particular subject.  When you make an effort to speak up at least once during each training call, you’ll become more at ease, more confident in yourself, and eventually, you may even be recognized as a leader to other team members.

Put more effort into helping others
Oftentimes, people get caught up in their personal goals, their wants and needs.  We all do it occasionally.  We may become focused in ourselves, not the needs of other people.  When we stop thinking about ourselves and concentrate on how we can help others, we don’t worry as much about our own flaws. This can lead to more self confidence, and we’ll perform better.  It is interesting that the more we give to others - our teams, charity, family or friends – the more successful we are likely to be.



Saturday, May 12, 2012

How Rude!


I just received a phone call that inspired me to post a blog.  


“Hi Julie!  How are you today?”  Fine.
“Are you still with Xpress Healthcare?”  Yes.
“How is that going for you?”  Very well, thank you.
“Great!  So how much money are you making each month?”  ARE YOU KIDDING ME?
Click.


I worked most of my life working in offices.  I never would have even considered asking the person at the next desk how much they earned.  It was none of my business.


I have had idiots like this guy (calling to sell me something I am sure) ask me this question numerous times.  I have had prospective team members ask me this question.  I cannot imagine asking anyone such a personal question.


I have seen others post ads, “I earned $10,000 my first month!”  First of all, I doubt it, and secondly, I think people are out of their minds bragging about that, almost promising prospects that they will do the same.


I have even had a couple team members ask that question.  I will put “rude” aside for a moment.  Besides that, I think it is foolish for any team leader to tell anyone, including their team, how many people are on their team or how much money they earned.


I look at it this way… Assume for a moment that I share with my team that I have a team of 1500 and I am earning $5000 per month.  Since they are not earning very much money yet, they could be intimidated, thinking “I will never earn THAT much!”  OR, I might share with my team that I am earning $300 per month and I have a team of 25 people.  People on my team would likely think, “Is THAT ALL?”  They would lose confidence in me as their leader and/or quit, because after X period of time, I am hardly earning anything.


In my mind, there is absolutely no reason for anyone to ask someone else how much they are earning or the size of their team.  There is also no need to “brag” about how much they are earning, even if it is a great deal of money.


On the other side, for those just starting out - never lie or give any figures - but always give the impression that you are doing well to instill confidence in your prospects and your team members.


OK.  I got that off my chest.  I will let it go now.


For info re Xpress Healthcare, click here.

Friday, May 11, 2012

My Mentor


It is with a touch of sadness that I write this blog.  When I started working with Xpress Healthcare 14 months ago, I was not at all confident about my skills in network marketing.  I had been in network marketing for a few years, but the company with which I was affiliated previously did not provide “real” training.  It was more like (take out your pom-poms) “you can do it, you can do it, you can, you can!”  I was never very successful.

Upon joining Xpress, almost immediately, our Corporate ABO Mentor took me under his wing and began mentoring me – one-on-one!  We had a scheduled call each week, plus we talked several times in between.  Early on he asked me to host a call for him – a nationwide corporate call!  After revealing my insecurity, he told me that I could do it, and he gave me a few tips.  I was a nervous wreck, but I hosted the call.  Once I began talking, my nerves calmed down, and I did fine.

As time went on, my mentor repeatedly challenged me with new tasks, and over the next few months I grew.  I began to build a strong team, hosted both corporate and team calls regularly, and I tried things I never thought I could do.  My mentor was always there cheering me on.
I have worked hard and become one of the top team leaders, and I have many wonderful team members of whom I am very proud.  I have taken a few of them under my wing, challenging and helping them as my mentor did with me.

Now comes the sad part… A couple months ago, my mentor’s father became very ill and eventually passed away.  He was out of work for a couple weeks.  When he returned, he was different.  We spoke frequently, and he shared that he was having difficulty doing the tasks he’d been doing from the beginning. He felt as though he needed to be with his family more, to support them. He was working ridiculous hours, mentoring his own team and anyone else who needed help. He was barely sleeping and was getting bad colds every few weeks.

Finally, after weeks back on the job, he shared with me that he couldn’t continue doing his job.  His job was his life prior to his father’s death, but he simply couldn’t maintain that schedule anymore. He wanted and needed to be with his family.

So, he has now resigned from our company.  He has taken on a “normal” job, allowing him to be with his family regularly, support his newly-widowed mother and begin to regain his health.  Everyone was shocked to learn he had left.

He and I are still speaking on the phone regularly, but there is a void in the company.  And rumors about why he “really” left are beginning to spread.  I know why he left.  I wasn’t surprised, because he’d spoken to me about it.  I saw it coming.

Having this knowledge doesn’t make me miss him any less.  Whether or not the company will bring on another “mentor” is yet to be seen, but even if they do, no one will ever replace him in my heart. I am happy for him. Thank you Mike. I will be forever grateful for your mentoring and your friendship.

Thursday, May 10, 2012

Lonnie Shipe just posted a new blog titled Often a dash of judgment is better than a flash of genius..

Lonnie Shipe just posted a new blog titled Often a dash of judgment is better than a flash of genius..

Jason Yost just posted a new blog titled Risk & Risk Management.

Jason Yost just posted a new blog titled Risk & Risk Management.

Rui Banganho just posted a new blog titled The worm in the bag.

Rui Banganho just posted a new blog titled The worm in the bag.

Jo Anne Blair just posted a new blog titled Another Lightyear Phone Back in Stock.

Jo Anne Blair just posted a new blog titled Another Lightyear Phone Back in Stock.

Jo Anne Blair just posted a new blog titled Another Lightyear Phone Back in Stock.

Jo Anne Blair just posted a new blog titled Another Lightyear Phone Back in Stock.

Cecelia McCarty just posted a new blog titled Need Some Help? Would 125,000 Free Leads a Day Help?.

Cecelia McCarty just posted a new blog titled Need Some Help? Would 125,000 Free Leads a Day Help?.

Larry Christenson just posted a new blog titled Is America Doomed and Awaiting The Wrath of God?.

Larry Christenson just posted a new blog titled Is America Doomed and Awaiting The Wrath of God?.

Michael Harrell just posted a new blog titled My ZeekRewards story:.

Michael Harrell just posted a new blog titled My ZeekRewards story:.

Sigurd Skeie just posted a new blog titled Dont Give Up - dont look back.

Sigurd Skeie just posted a new blog titled Dont Give Up - dont look back.

Elaine Logan just posted a new blog titled Welcome to Wealth4All Biography.

Elaine Logan just posted a new blog titled Welcome to Wealth4All Biography.

Julie Klein just posted a new blog titled May I Have Some Change?.

Verb:  Make or become different.
Noun:  The act or instance of making or becoming different.
My company is on the verge of a few big changes.  I don’t yet know what they will be, but they have announced that it will be “game changing.”  This is not new for my company.  I joined the company when the network marketing arm of the business was only a few months old, and there have been many changes since.  So far, all the changes have been to help affiliates earn more money.
What is different from our “normal” changes is that a beloved member of our executive staff has left the company.  He left by choice, and for reasons totally unrelated to the company, but he is still gone. 
I have been speaking to a few people about the changes, and I have discovered that, as one of the Leaders in the company, managing change means managing people’s fear.  Everyone reacts to change – both good and bad – differently.  For some, it just “rolls off their back,” while others have what appears to be irrational fear of what is coming.
The perspective from which each individual sees change is what makes the difference between whether the changes simply flow and combine with what we have done before or those that make people fearful.  To successfully manage change, from the perspective of the employees, it must be introduced clearly, defining exactly what the changes are and how they will benefit the company.
Fear of the unknown can often cause resistance to change.  Everyone must understand how the changes will affect them and the company as a whole. The degree to which people will resist change is determined by whether they expect it to be good or bad and on how the change will impact each person.
As a Leader of a large team, it will be my job to address their resistance and fear and help team members learn and understand the changes to enable them to accept them.
Change in the workplace is not so different from changes in our lives.  In the (hopefully) not-too-distant future, I will be moving to another state.  Although it is my choice, I am still a bit fearful of what changes may occur before, during and after the move.  I’m not a young woman.  Will I be able to make new friends?  We will be moving from a large home to a smaller one (that we have not yet chosen).  How difficult will it be to adjust to less room and far less storage space?  I’ll be moving from a home where my nearest neighbor is 1/2 mile away to a neighborhood where homes are very close together.  Will it feel claustrophobic?
I am excited and looking forward to the changes in my company, and I’ll do whatever I can to calm any anxiety those on my team may have about them.  I am also awaiting the change of residence with a positive attitude, laced with just a hint of apprehension.  Once adjusted to the changes in my professional and personal life, I am certain I will be better for them.
If you would like information about my company, please contact me through my website.

Wednesday, May 9, 2012

We Love Our Pets


We love our pets.  For most, they have become part of our family.  We will do most anything for them.

We take our pets on vacation with us; sleep with them; and we are broken hearted when they pass. We give our four-legged family members gifts at Christmas and often include them in family events.

Scientific studies have shown that some animals seem able to detect upcoming earthquakes, storms and impending disasters, predicting their arrival. Scientists and animal lovers suspect that many animals have something like a “sixth sense” about storms and natural disasters.  It isn’t something that can be tested in a lab, so it is difficult to prove. It may be their incredibly keen hearing, or perhaps they feel vibrations that humans are unable to detect. If you are a pet lover, you likely don’t need proof.  You simply believe it.

The most common household pets, of course, are dogs and cats.  There are about 78 million dogs in the United States alone, and 39% of U.S. households own at least one dog.  And 33% of households in the U.S. have at least one cat, totaling about 86 million owned cats in the United States.  (I was surprised to learn that there were more cats than dogs.)

With all the love and attention that we give our pets, it isn’t surprising that 
Americans spend an average of $600-$900 for food, supplies, medical care and 
training for our dogs and cats each year.  Many believe that pet insurance can 
reduce those costs, however, Consumer Reports writes:  “Overall, we found that the 
pet (insurance) policies we analyzed were not worth the cost for a generally healthy 
animal.”

This is where Pet Care Savings Programs come in.  At participating veterinary 
practices, you can shave 25% off your veterinary medical services.  The discount 
applies to office visits and exams, vaccines and shots, elective procedures (i.e. dental care), surgery, hospitalization and more. 

All companion animals are included in savings programs, and there is no exception for “pre-existing” conditions.  Unlike insurance, savings programs have no annual no annual limits, no deductibles and no waiting periods.

In addition to veterinary care, discount plans offer up to 35% (sometimes more) off grooming, pet food, training, boarding and myriad pet supplies at participating merchants.

Xpress Healthcare offers one of the best Pet Care Savings Programs available.  It even includes Lost Pet Recovery Service. Each pet receives an ID tag with a unique number and a toll free 24/7 number.  If your pet runs away, they will do everything they can to return him home.

If you would like to reduce your pet care expenses, I invite you to join Xpress 
Healthcare’s Lifestyle Select plan for only $19.95 per month, no matter how many 
pets you have in your home.  And, when you join Lifestyle Select, you’ll get some 
extra savings, because the plan includes discounted roadside assistance, LifeLock® ID 
Theft protection for your entire family, discounts on legal services and more!

We truly do love our pets, and we will do whatever it takes to keep them safe and healthy.  Since we are going to continue doing so, we might as well save some money at the same time.






Monday, May 7, 2012

I Don't Need ID Theft Protection


I had a space at a bazaar on Saturday and was shocked at how many people who stopped by my table told me they do not need ID Theft Protection!  (One of the products I sell is LifeLock™ Identity Theft Protection.)  Some people had poor credit, and they said, “They can have my ID.”  Others had no credit cards, so they believed they were safe from ID Theft. 

Do they not read or listen to the news?  A report released by Javelin Strategy & Research revealed that identity fraud increased by 13% in 2011.  Over 11 MILLION adults became victims in the United States alone.

This same report found revealed that those who use social media and mobile devices are at higher risk than those who do not and had higher incidents of ID fraud. (The report provides no proof of direct causation.) And, 7% of smart phone users were victims of identity fraud. Although we’ve been warned repeatedly, we are placing too much personal information online. 

You need not own a credit card to have your ID stolen.  A thief can use your personal information and get a credit card in your name.  You may think you are safe, thinking without your social security number, it is not possible. You would be wrong!  Your social security number and all the personal data a thief needs is already in various databases that may be breached at any time. Unfortunately, this is not uncommon.

Lost or stolen wallets, checkbooks or credit card accounts, corrupt businesses or employees and breaches of consumer data are other ways thieves “become you.”

I recently spoke with a woman who was an ID Theft victim in the mid-1990’s.  She is still – today - receiving bills and phone calls from creditors demanding payment for accounts she never opened.

Possibly the worst identity theft, is stolen health records. Without too much difficulty, a thief can acquire your health insurance card number, go to a hospital and have surgery – say having their appendix removed.  Years later, you get appendicitis.  Since your medical records say you have no appendix, they don’t consider appendicitis, possibly endangering your life.  Health-related ID theft is one of the newest and a common form of fraud.

Please, no matter whom you are, where you live, whether or not you have credit cards, sign up for Identity Theft Protection now, today, before you forget!

LifeLock™ has a million dollar guarantee if you become a victim due to their error, and it is rated among the best ID theft protection programs available.  When you purchase LifeLock™ directly from them, you’ll pay $10 per month per person.  With Xpress Healthcare’s Lifestyle Select program for only $19.95 per month per FAMILY, you’ll get LifeLock™ for your entire immediate family, PLUS you’ll receive discounted roadside assistance, reduced pet care costs and legal services and more. 

Feel free to go to http://ibourl.net/XpressSavings to join Lifestyle Select.  Even if you select another ID theft protection program, register today!



I Cannot find the Time


How many times have you said that?  I have said it, and I’m sure nearly everyone has.  We certainly must not be looking in the right place, because “time” has not gone anywhere.

For entrepreneurs, scheduling our days can make the difference between success and failure.  For those who work their business part time, they simply cannot work their business whenever they have a few minutes “to spare.”  For those working a full-time home business, if our time isn’t well organized, we may never get to high-priority tasks.

It is very helpful to have a schedule of what days we plan to work, how many hours we plan to work on those days, and at what time we will start and finish working each day.  In addition, we’ll likely be more productive if we schedule the various tasks we plan for each week.

For example:
Monday, Wednesday Friday – place online ads for one hour, beginning at 4 PM.
Monday through Friday – spend one hour participating on IBOToolbox, beginning at 3 PM.
Daily – Call all prospects received within the past 24 hours, beginning at 5 PM.

If we plan our days, treat our business like a job where we are expected to start and finish at a particular time, we will accomplish more and be more successful.  Many business owners treat their businesses more like a hobby to do whenever they can squeeze in an hour or two.  It is unlikely they will ever succeed with their business.

Time is ours to spend however we wish to do so.  We must “make” the time to do the many tasks required to maintain and grow a business.  If we are really serious about what we are building, we should never be unable to “find the time.”

Friday, May 4, 2012

The West End Fair


I live in a small city, with no other cities of any size within 90 miles. For the first time, I am setting up a display of my business at a local event, The West End Fair. I attended this fair the first year it was held nearly a decade ago when they had only 30 people participating and a very small crowd in attendance.

I sell memberships for different discount plans (dental/health/pet care & more).  I don’t sell a physical product to demonstrate or display.  So, preparation has been interesting.  Although I know there will be nearly 100 “vendors,” I have no idea how many visitors will be attending, and I certainly have no way of knowing how many will stop at my table.

That said, how many brochures shall I bring?  How many flyers shall I print, etc?  I normally work an entirely online business, so I have no idea how local people will even respond to my services.  Not only is this a small city, but it only exists because we have a military base here (who do not need my health services).

I have, therefore, been printing and preparing for three days.  Will 50 flyers be enough?  I hope so, because I’ve decided that’s what I’m bringing, 50 for each of my plans.  

My husband helped me design a really nice tri-fold display board.  I plan to raffle off a couple small prizes, and I will use the entry forms to acquire contact information for interested prospects.

If this event goes well, there are a couple others coming up in the area.  I hope to come home with several referrals.  So, wish me good luck, my friends.

Have a wonderful weekend everyone!