Archive for January 2012

Melaleuca MLM Home Business – The Only Review You Need to Read



The Melaleuca MLM home business model was started in Idaho Falls, Idaho. Its founders developed a series of products that were aimed at improving the health of others through the use of Melaleuca products.

The products found in Melaleuca vary. They include skin care, dietary supplements, house care and other personal health items. All of the products made are generated from natural ingredients. The people who have used Melaleuca products usually return with testimonials of reduced stress, better immune systems as well as a decrease in inflammatory related arthritis and other aches and pains. This also includes headaches. With such a wide realm of health benefits, and through the use of natural ingredients people continue to return to Melaleuca for the improvement it brings upon their life. It also represents only a portion of an industry that is making billions from health care products.

The compensation plan is the other half of the deal when examining whether or not an MLM program is right for you. It is important to know the product, but to also pick a business that will earn you money for your efforts. The compensation program under Melaleuca MLM home business is an open-ended matrix plan. Under such a plan, affiliates earn the most through the recruitment and sponsor of others. The problem with such plans is that it is often difficult to understand and takes a lot of sponsored people underneath you before you begin earning money.

In many cases these spillover matrix plans garner more laziness than hard work and affiliates often times feel that after their first few large compensation checks all of the work is done. However, this couldn’t be further from the truth and compensation plans such as this require you to have up to 100 – 200 sponsors just to receive an extra $1000 a month. These sponsors must in turn continue to earn money and therefore affiliates must always be working to ensure that this is the case.

In conclusion, starting and developing a Melaleuca MLM home business can be lucrative if someone knows how to market effectively. It is not a scam, but like any business, success will be determined by the skill-set of the marketer. The potential to grow a huge business is there, just not with outdated marketing techniques.

If someone does not have the first clue on how to market effectively, then I would suggest they either learn the skills to be an effective marketer, or else just use the products and take the benefits of it.

Jim Rohn – Farm Boy From Idaho



I’m pausing for a moment of silence in honor of Jim Rohn, one of the most influential persons in my life. He left us recently to reside in a better place – a more spectacular space. He was a business philosopher who demonstrated his greatness by touching millions of lives all around the world through his wisdom.

He was one of my first mentors when I didn’t realize I needed one. He became a constant voice inside my head urging me to do the right thing. And he assured me that yes, you can make an impact in this lifetime because you matter.

He was a farm boy from Idaho yet many of his fans knew him as the Chairman of the Board. He was a master teacher who constantly taught the value of being a student of life. He was an extraordinary communicator because he could say so much in so few words.

When he shared how he got physically ill after losing a ten-dollar bill, I immediately identified with him. When he said that everything you need for your success is already here: seed, soil, sunshine and rain – I was amazed by its simplicity. And when he taught me I could attract all the success I wanted by becoming a more attractive person, I knew what I had to work on.

I was fortunate to see him in San Jose for his seminar. Afterward, he led an intimate question and answer session with his students. He was as kind with his words as he was generous with his time. He made sure we received much more value than we expected.

One of Mr. Rohn’s more notable quotes was, “In order for things to change – you must change.” How powerfully simple is that? I tell you: I wish I were smart enough to come up with this stuff.

For many of us we’ve lost a good friend and a wise mentor. Yet I’m sure he’s cheering us on from his new home, constantly urging us, “Don’t give up the good fight. You’re almost there. Just a few more steps.”

So let’s do that…

Let’s continue expanding until we’ve reached our potential. Let’s become that spark of light and that source of hope Mr. Rohn inspired us to be. And never give in or give up because we’re almost at the finish line.

“Mr. Rohn: See you across the line.”

Tommy Yan helps business owners and entrepreneurs make more money through direct response marketing. He publishes Tommy’s Tease weekly e-zine to inspire people to succeed in business and personal growth. Get your free subscription today at http://www.TommyYan.com.

Investing for Small Business Owners



As an investment professional specializing in managing investments for entrepreneurs and small business owners (SBOs) I am repeatedly confronted with several investing issues that specifically deal with these individuals. Because of their unique situation, several of these issues go overlooked by the business owners.

Too Much Risk

Entrepreneurs by definition like to take risks. This type-A behavior often spills over into their investment portfolios. The first mistake often made by the SBO or their advisor is they don’t consider the business as a piece of the portfolio. This is critical because the business is often the most precarious component of the portfolio.

Small businesses are heavily influenced by economic cycles, competition, and raw material inflation. The small business owner must look at their investment portfolio less as a growth vehicle and more as a vehicle for capital accumulation and preservation. By doing so the SBO has the option of using their portfolio for income generation during tough economic times. If the portfolio is only structured for growth they are very likely to lose a large portion of their net worth during poor economic times (as the stock market leads the economy by 6-12 months).

This brings me to the second reason SBOs assume too much risk. Many small business owners like to invest in the same industry as their business. At first glance this seems logical, as one can make a more informed decision regarding an investment decision if you know the industry. But once you start to include the business as a piece of portfolio you soon realize you are overweighed in that sector or industry. If their industry goes into a negative economic cycle the result is a drastic drop in the SBO’s net worth and available liquid assets. Investing in the same industry only compounds the problem. Instead SBOs should look to invest in counter cyclical industries as a component of their portfolio. Therefore during times of economic contraction in their sector their portfolio will be protected by growth in those inversely correlated investments.

Hold & Hope

Wall Street, just like Pavlov, has mastered the art of classically conditioning their subjects. In just about every advertisement you will see the worn mantra “buy and hold for the long-term”or “stocks always go up long-term”. But stocks always go up long-term right? This all depends on YOUR definition of long-term. As an example, the S&P-500 peaked in 1969. In 1982 the S&P-500 was at the same price! Can you afford 13 years of no investment gains in your portfolio?

The truth is that stocks (or bonds for that matter) are not always good investments. Just ask Warren Buffett; He’s holding over $40 Billion in cash because bargains are scarce. It all boils down to this: Wall Street can never be negative on stocks; if they were, they would have nothing to sell to the public.

Instead of buy and hold small business owners need to manage their investments just like their business: proactively.