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  • Rolling Cash 5 – The Real Way to Pick 5-39

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    Rolling Cash 5 is a lottery game in the state of Ohio. It replaced the old Buckeye 5 in October of 2004. The difference between the two is the range of numbers to choose from. Rolling Cash 5 allows you to choose 5 numbers from 1 to 39.

    This game gives you an odd of 1 to 575,757 of winning, giving you more likelihood of winning than any other lottery game. Although winning the jackpot will not make you an instant millionaire, it is decent enough to give you a fortune. The jackpot starts at $100,000 which automatically rolls over to the next draw when not won. The jackpot prize is divided among winners with a liability limit of $1,000,000.

    Just like any lottery games, this is randomly drawn. However, careful analysis of previously drawn combination and simple logic will increase your probability of winning in this game of chance. Think of it this way, you are more likely to win if you bet on a pattern that occurs majority of the time.

    The analysis can cover the number of times in which a particular number or pair of numbers appeared in a winning combination for the last 12 months. With the data you have gathered, you can create your own combination to bet on. But before going through with the combination, you can cross check it with the data you have. This way, you will be able to determine the chances of having your numbers drawn.

    Logical betting, on the other hand, dictates that you have a good mix of high-low and odd-even numbers. This will increase your chances of winning by 64 to 67 percent. You also need to consider number group strategies. Sway away from multiples (2 4 6 8 10), single number group (all single digits, 20’s, etc) or same last digits (3 13 23 33). Their probability of being drawn is less than 1%.

    It is also important to take note of number sum advice. This is where you add up all your chosen numbers and making sure that the sum is between 75 and 125. A sum falling between these ranges is 70% more likely to be drawn. You can also take note of the frequency of each number being skipped. You can play those numbers as their absence increases the likelihood of it appearing on the next game; while numbers with repeated hits are likely to appear every other draw 51% of the time.

    Ohio’s Rolling Cash 5 costs only $1 per wager that allows you to bet on your own or computer-selected combination. And the state of Ohio uses the earnings to fund various public services, from education to hunger centers. Knowing how to bet on Rolling Cash 5 not only helps various causes but also saves you money. With a little diligence and simple logic, you will avoid unnecessary losses brought by thoughtless betting. The game may be as random as any other game of chance, but there are always recognizable patterns that can help you increase your chances.

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    Source by Chris S Malcolm

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  • Finding Your Wealthy Place – Five Steps of Entering Your Wealthy Place

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    You can enter into your wealthy place. It is important however to indicate that such is not an overnight thing. It is a process. Never try to take shortcuts. The good news is that there are sure steps you can follow to reach your wealth place. They are described as follows:

    1. Know and Understand That There Is a Wealthy Place in God

    Not every believer knows that he or she has a wealthy place. That is the reason some believers do not bother working on becoming wealthy. They think having a job is enough. But having only a job cannot make you wealthy. You need to also do something apart from your job. Do business and or invest where you can make money. A paycheck normally meets life’s necessities. But you also have wants. What about them. You need abundance. If only your needs are met, how are you going to be a blessing to the nations (to others).

    “I will bless you and make your descendants into a great nation. You will become famous and be a blessing to others.

    I will bless anyone who blesses you, but I will put a curse on anyone who puts a curse on you. Everyone on earth will be blessed because of you.” (Genesis 12:2-4).

    Abraham was promised a blessing and becoming great if he obeyed. Guess what? He obeyed and was blessed to be a blessing. So shall you be blessed if only you will obey. Someone might say, “Ah! This was said to Abraham and his descendents i.e. his seed.” Just look at the following scripture:

    “So if you belong to Christ, you are now part of Abraham’s family, and you will be given what God has promised.” (Galatians 3:29 – Contemporary English Version). Other versions say we are Abraham’s seed. I hope you know the song, “Abraham’s blessings are mine.” We used to sing that song but I don’t hear much of it today. So we are saying you are blessed.

    If you have been praying and confessing but still broke, revisit the Word and see what God is saying about issues of money. There is a wealthy place. We read in Psalm 105:37, “He [the Lord] brought them forth also with silver and gold: and there was not one feeble person among their tribes.” Do you see the GREAT God we serve? He does not want us to go empty handed. He is a God of abundance. I hope you remember the Father who had two sons (parable of the prodigal son). In Luke 15:11-12, it is recorded, “And the younger of them said to his father, Father, give me the portion of goods that falleth to me. And he divided unto them his living.” A good Father has a portion for everyone of his sons. As sons of God, our Father has a portion for everyone of us. Find your wealthy place. It is your portion.

    2. Locate Wealth

    Maybe you are asking yourself, “What is the wealthy place?” This is a place of more than enough. Here are other lands:

    Land of “not enough”

    We have our excuses for dwelling in this land. Excuses like, “Brother, not everyone is supposed to be rich. So I am OK the way I am. I am fine.” Others say, “I don’t want much my sister. I love the Lord. I pray and read the Bible. I am satisfied with what I have.” But you see, these are all religious excuses. There is abundance. Most of us know this land. Many passed through it. It is a land of struggling in life.

    Then thine heart be lifted up, and thou forget the Lord thy God, which brought thee forth out of THELAND OF EGYPT, from THE HOUSE OF BONDAGE. (Deuteronomy 8:14).

    It is time to come out of this land in Jesus Name. It does not glorify God in any way.

    The Land of ‘Just Enough’

    Most people in life park in the land of “just enough.”They are not trying to justify why they are here. They are satisfied with being here. They have just enough and are barely getting by. But they are satisfied. When you are satisfied you don’t fight for anything. You will not fight for your rights or try to have more. But this is not good enough child of God. It is true that God brings us to one land at a time. Why?

    “And thou shalt remember all the way which the Lord thy God led thee these forty years in the wilderness, to humble thee, and to prove thee, to know what was in thine heart, whether thou wouldest keep his commandment, or no.

    And he humbled thee, and suffered thee to hunger, and fed thee with manna, which thou knewest not, neither did thy fathers know; that he might make thee know that man doth not live by bread only, but by every word that proceedeth out of the mouth of the Lord doth man live.” (Deuteronomy 8:2, 3).

    During the wilderness experience, the Israelites were allowed to have “just enough”. God fed them with manna for each day. They were not allowed to gather more. Some tried and the manna got rotten and infested with worms. They were still on their way to their “wealthy place”.

    Through the stages of our walk to the wealthy place there is a learning process. In the land of “not enough” you learn to depend on God for your needs (deliverance). Then in the land of “just enough” you learn that God can move you from one level to another. You need to demonstrate more trust on God. Furthermore, you learn to be trustworthy. God should trust you to be the guardian of His wealth. Some testing takes place. You must be seen to be faithful on the little so that much can be given to you.

    The Land of ‘More Than Enough’

    As children of God, we should all be headed to this land. The question is, “Why is it important to get into this land i.e. the wealthy place? This is because once you are in this land; you can help your neighbor. This is part of knowing and fulfilling your covenant. God said to Abraham, “… I will bless thee… and thou shalt be a blessing” (Gen. 12:2). In other words, God told Abraham, “I will bless you and your family so much that you will have to give some of your blessings away.”

    3. Be Willing to encounter obstacles and giants

    As you are willing to encounter obstacles and giants, withstand them using the Word of God. Many believers are not even willing to go into their wealthy place. They are not even thinking about it. Do you know why? It is because there are giants. Have you noted how difficult and challenging to get more money? The reason is that there are giants in the wealthy place. There has to be some fighting and perseverance to enter there.

    “And they [the twelve spies] told him [Moses], and said, We came unto the land whither thou sentest us, and surely it floweth with milk and honey; and this is the fruit of it.

    NEVERTHELESS the people be strong that dwell in the land, and the cities are walled, and very great: and moreover we saw the children of Anak there.” (Number 13:27, 28).

    Not child of God that this was their wealthy place. God had given it to them. They were supposed to go and take it with God’s support. That is how some of us believers react to the promises of God. We have heard the promises given. But because of the obstacles and challenges, we end up not willing to go forward. We decide to settle for less. There will indeed be resistance. God wants to see us moving forward and then He will support us. Believe the Word and do it in Jesus Name.

    Have a good attitude towards the Word of God. Be willing to obey. Look at the attitude of a believer who trusts God:

    In Numbers 13:30, Caleb said, “… Let us go up at once, and possess it; for we are well able to overcome it.” Does it mean this believer didn’t see the giants? He saw them. But he saw God bigger than the giants. Now, who is magnified in your life? Is it God (His Word) or the giants? There is a wealthy place to be possessed. The other spies saw themselves as grasshoppers in the eyes of the giants except Joshua and Caleb. Guess what happened? Out of the generation that came out of Egypt, only Joshua and Caleb entered the “wealthy place”. Why? The believed and acted on the Word of God. Do you believe the Word? Are you going to act on it?

    4. Expand your capacity to receive Wealth

    In order to enter into your wealthy place, you need to cooperate with God. Have an excellent spirit like Joshua and Caleb. The reason why those who died in the wilderness without entering into the place of plenty is that they did not have the capacity to receive the wealthy land. Do not die in the wilderness. The place of “just enough” or place of “not enough”.

    Some way or another, if you are going to receive in life what God has for you, you are going to have to be willing to take a step forward in faith from the mess you are in, toward the promise of God. When you do, God will meet you there. If your faith is really in God and His Word, your faith will not be denied- not now, not ever!

    “If ye be willing and obedient, ye shall eat the good of the land” (Isaiah 1:19). Allow God to enlarge you by the power of His Word and Spirit.

    5. Step Five: Take the limits off God

    If there is something that can hinder God’s full manifestation in our lives, it is our unbelief. Otherwise God is more than willing to take us to our wealthy place. He works in our lives to the extent that we believe and allow Him. He cannot force His way.

    “Yea, they TURNED BACK and TEMPTED GOD,and LIMITED THE HOLY ONE OF ISRAEL.” (Psalm 78:41).

    You are the only one that can limit God. After you have removed the limits, adjust your vision. God once told Abraham that as far as his eyes would see, that land He was going to give to him. You can receive only what you can see. It is all in the Word. The question is, “Can you see it with your physical eyes closed?”

    You remember Elisha’s servant Gehazi? When attacked by the Syrians he was afraid but Elisha told him not to. Why? There were angels all around them. Look at the following:

    “And when the servant of the man of God was risen early, and gone forth, behold, an host compassed the city both with horses and chariots. And his servant said unto him, Alas, my master! how shall we do?

    And he answered, Fear not: for they that be with us are more than they that be with them.

    And Elisha prayed, and said, LORD, I pray thee, open his eyes, that he may see. And the LORD opened the eyes of the young man; and he saw: and, behold, the mountain was full of horses and chariots of fire round about Elisha. (2 Kings 6:15-17).

    In the Name of Jesus Christ, I pray that your eyes may be opened and that you may see all that the Lord has prepared for you.

    Blessings in Jesus Name!

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    Source by Elphas Sipho Mdluli

    Views: 0

  • How to Collect and Invest In One Dollar Bills Using Serial Numbers

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    A one dollar bill may not seem like a lot of money, but some are rare and can become part of an investment. The key to knowing if a dollar bill is worth more than face value is to examine the serial number. Serial numbers are a combination of a letter, eight numbers and another letter at the end. You can find them easily because they are printed in green and are located twice on each bill. One is close to the bottom left of George Washington’s portrait and the other is located at the top right of his portrait. Combinations of serial numbers are keys to determining the rarity and investment value of a bill.

    The first letter runs from “A” to “L”. These 12 letters are codes for the cities where they were printed. The last letter indicates the number of times that the Bureau of Engraving and Printing used the sequence of serial numbers. So, “A” means that the serial number has run only one time. “B” indicates a second time and “C” is the third. The number of letters goes through the 26-letter alphabet.

    Between the letters are eight numbers representing how many one dollar bills were printed in one year. The first one printed will be “00000001”. The last is “32000000”. The lower or higher the numbers, the more they’re worth as investments. For example, a bill with a low number like 00000095, or one with a high number 32000022 can fetch between $25 to $100.

    Also, a specific combination of numbers can add value. If you have only two numbers in the set, like “2” and “4”, such as 22424442. This number is worth a little more than face value. But, if you have a repeating pattern, like, 24242424, or 24224224, your investment just increased by about $1,000. This special combo is called a “binary bill.”

    You might also get a set using three numbers, such as “2”, “4”, and “7”, you can have them in no special order, such as:27244727, or 59577975 Of course, if they follow a repeating order, they are worth more. You must know that a two number combination will be more valuable than the three number combination. These are called “trinary bills,” which could only fetch $3 or $5.

    Another type is called a “ladder,” which is a direct count from 1 to 8: 12345678 or, backwards: 87654321.

    A “radar” bill reads the same numbers backwards and forwards, like a mirror: 14622641. A “super radar” bill only includes two numbers, with the same one only at the beginning and end: 59999995. Radars can fetch about $25, while super radars might be worth about $70.

    Two or more separate bills with consecutive serial numbers, like 25348793 and 25348794, are two bills printed one after the other.

    “Doubles” occur when you have two of the same numbers: 33774499. A “double quad” is two sets of four of the same number: 33335555. Even a bill with one number repeated eight times: 44444444 might bring $500.

    You can also find a “star note.” If you see a star at the end of a serial number, it means that it’s a replacement bill for one with the same serial number that was damaged.

    Special combinations of serial numbers from one dollar bills vary in value, from just a few dollars to a few thousand. My advice is to go to your bank and ask for a one-dollar “strap” which is a pack of 100 one dollar bills. Go through them and see what patterns of serial numbers you can find. Sometimes, a fresh new pack of one dollar bills will come to a bank straight from the Bureau of Engraving and Printing. So you might have a good chance of finding consecutive bills, which could possibly earn you a few more dollars if you sold them to a collector. Just remember that any bill with a special serial number is a rare item. Now, you have a good reason to check the dollar bills in your pocket or purse.

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    Source by Harrington A Lackey

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  • The Importance of Proper Sales Techniques

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    The success of any business can be directly related to the quality of its staff and the ability to meet any consumer demand. When your business struggles in this regard it helps to identify the areas of inconsistency which can result in the loss of consumers due to employee negligence. To avoid this unfortunate turn of events with your own company, it is necessary to identify the many factors influencing the importance of pursuing proper sales techniques.

    Factor I: Building Consumer Relationships

    One of the greatest mistakes amateur sales associates make is focusing on the drive to make a single sale form a single individual. This short sighted strategy may help in improving sales numbers in the short run but will provide no value with developing future success. The first factor influencing the importance of sales management skills is found with building consumer relationships overtime. Whether you run a store or an online website, pursuing a relationship with your client will help to secure greater sales as well as develop the best form of marketing, positive word of mouth.

    Factor II: Enhancing Selling Ability

    If you were to provide any employee with the opportunity to work with a consumer eager to invest in a product you will develop a high level of sales success. The true skill or value of an associate is to have the ability to work with consumers who may not have this interest yet still make a purchase after working with your employee. The selling skills of an employee staff often represents the financial success the company has displaying this factor of importance with enhancing selling ability.

    Factor III: Problem Solving

    When a customer discovers a problem with a good or service it is often easy to lose their business to a competitor in a short period of time. If a customer contacts your company with a problem it creates the possibility of salvaging your relationship by resolving the problem and enhancing consumer satisfaction. When your sales staff can utilize the sales management skills of problem solving it will boost your business success, marking the importance of this factor in relation to proper selling techniques.

    Factor IV: Revenue Development

    The final factor of importance identifying the need for proper selling skills is seen with the value of revenue development. Every business relies on the resources of revenue development so the elements of building consumer relationships, enhancing selling ability and efficient problem solving will all help in keeping consumers and meeting this high demand factor.

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    Source by Peter McKeon

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  • Rolling Deposits – Uncovering the Granddaddy of Cash Fraud

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    The Shift Manager of the fast food restaurant sat in his car, under a shade tree in a parking lot. On the floor board are unused disposable deposit bags and a destroyed deposit bag that had been sealed with last night’s closing deposit. The manager had sliced open the deposit bag and the passenger seat is littered with the contents – ones, fives, tens, twenties, and change. He will use one of the unused bags to make a new deposit. The manager counted the funds several times, his stress level mounting. The amount is not enough to match a deposit slip for a deposit dated two days ago. Two days ago? What is going on here? Why did he open a deposit bag today for funds to match a deposit ticket that is two days old? Do you know?

    This is a theft scheme called “rolling deposits” and unfortunately it is not uncommon when retail and restaurant managers prepare deposits and make deposit runs to the bank. The employee steals all or a portion of the day’s deposit and makes up for the stolen cash from the contents of future deposits to cover the thefts. The scheme continues as long as the manager has access to deposits.

    The tell tale sign of the “rolling deposit” theft scam is deposits taken to the bank by a particular manager are consistently validated by the bank several days after they should be. Deposits taken to the bank by the other managers are validated on time. The stress level of the manager who is scheming mounts as the need to match deposit funds with unvalidated deposit tickets becomes increasingly complicated. As in the example above, the deposit the manager opened is not enough to cover the past deposit ticket. The manager will now have to wait to add funds from tomorrow’s deposit to conceal his thefts.

    If the business is using disposable deposit bags and the deposit was prepared by another manager, our shift manager involved in the theft scheme makes the bank run with the deposit. As in the scenario above, the shift manager in order to continue his thefts, must cut open the sealed deposit bag and remove the cash and the accompanying deposit slip.

    With no intervention, these theft schemes can go undetected for a long time and the cash losses can be staggering. Experienced security and loss prevention professionals can easily reveal the fraud with a little investigation. In my experience, the manager conducting the rolling deposit fraud will readily confess when interviewed properly. They are so stressed trying to keep the scheme floating, they are generally relieved that it is over.

    There are tried and true protocols in establishing sound loss control practices to prevent this type of scheme and ways to easily uncover it. If you suspect one of your employees of rolling deposits:

    1. Develop a chart – across the top of the chart list these columns: Date, Shift (deposit), Amount of Deposit, Bag #, Depositor Name, Date of Bank Verification. Make a separate line for each deposit. Down the left side of the chart, list the sequential days of the month. Fill in the corresponding information starting with the first of the month.

    2. Analyze the chart – Look for patterns and discrepancies such as missing disposable bag numbers from the sequence, “leapfrogging” of bag numbers and deposit validations from the bank. Look for a pattern of the same manager taking the deposits to the bank when the discrepancies occur.

    3. Action – Prohibit suspect’s access to deposits. If rolling deposit scheme is occurring, a deposit will soon show excessive shortages or missing altogether. Track the deposit activity for past months to get a better indication when the discrepancies first appeared.

    4. Prevention

    * Require all deposits be sealed in disposable deposit bags

    * Eliminate the vinyl/canvas/zippered pouches

    * Record deposit bag number with corresponding deposit

    * Require depositors to sign for deposits they take to the bank

    * Check all deposit validation dates from the bank with the dates of business

    * Develop strong cash and deposit auditing programs looking for deposit bags and validations out of sequence

    * Have a bank representative notify you of “late” deposits (> 3 days late)

    * Consider SMART safes or armored car service

    Taking deposits to the bank is a common practice for Fast Food (QSR) restaurant and retail management. It is fraught with issues such as time away from management responsibilities in the restaurant or store, exposure to traffic accidents and crime, and this “rolling deposit” theft scheme. Although seemingly the cheapest way of getting funds to the bank, it may be most costly should the manager be seriously injured or killed in a car crash or armed robbery during the transport. Stealing tens of thousands of dollars from deposits may pale in comparison.As new technology is developed, armored cars service becomes more competitive, and ways of banking become more progressive it may be time to rethink how we get our money to the bank and eliminate the exposures to our people and our profits. So what is going here? Why are certain deposits getting to the bank several days late?

    Now you know, and now you can do something about it.

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    Source by Libby Libhart

    Views: 0

  • Top Network Marketing Company – Why Are the Products So Expensive?

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    I’m sure you’ve heard this question before, Why are top network marketing company’s products so expensive?

    This is one of those ever-present questions that networkers and direct sales people will continue to encounter (probably) forever–and there’s always more to it than meets a simple answer.

    One key is not to side-step it. There are good and genuine reasons for legitimate, premium-priced products–and of course there are over-priced ones as well. Honesty is best, as always, and I’ll endeavor to give you the general truth with my answer to the question.

    Special Products at Special Prices

    First, the products available through top network marketing companies sales and distribution model are mostly what are called “specialty” items. They are higher priced products to begin with, having more costly ingredients and more complex designs or formulas; they are simply more expensive to make and package. Some well-known non-network marketed examples are Clinique makeup and fragrance products, Apple computers, iPods and iPhones, Armani clothing, Mercedes and Lexus automobiles.

    Unless you’re dealing with a scheme or a scam, these premium products outperform their cheaper, off-the-shelf counterparts, giving consumers more and better benefits. Since they have greater value, they cost more.

    If these products are being outsourced by the networking company (produced by a “third-party” vendor/supplier), they tend to be manufactured in smaller production runs that do not allow for all the optimal low-cost advantages of buying and making in the high volumes mass-marketers enjoy. The manufacturing processes are more complex and exclusive. The profit margins are higher. This results in a higher quality product with more attention to detail and quality control.

    The reason manufacturers and marketing companies select network marketing and direct sales is because these higher-priced products are of higher quality, and they therefore require special methods of distribution and sales.

    Simply put, they cannot compete with the lower-priced, lower quality “commodity” products, which are sold based mainly on discounted mass-market pricing and brand awareness alone. Think Wal-Mart and Costco.

    Specialty products are “education-intensive.” They need greater explanation; for example, what formula, ingredients and/or processes makes the product more expensive than those mass-market goods available through direct response marketing (such as the Internet and mail-order) or retail chain store sales. Many require demonstration.

    Mass-market products depend on advertising, promotion and merchandising at “point-of-purchase,” all of which are required to get consumers’ attention, let them know the product exists (to create “trial” especially if it’s “brand” new), and to give them enough compelling reasons to purchase and keep on purchasing.

    Going head-to-head with nationally advertised products, many to most of which are heavily discounted and sold at the lowest price possible, is a tough game for just about all smaller businesses to win. Imagine trying to sell vitamins or nutritional beverages or “prestige” cosmetics against a major manufacturer selling through Wal-Mart, or a natural toothpaste against a tube of Crest® through Kroger or Publix supermarkets.

    Specialty products are perfect for the person-to-person, information-rich education, demonstration and service oriented methods of network marketing.

    And that’s where the important second aspect of network marketing’s “higher price” comes in: the added value which you as a “distributor” add to the specialty products you sell.

    Added Value Added

    Network marketing and direct sales representatives add significant value to the product they sell and they are well paid when they do so successfully.

    We reach consumers with the awareness of new products and services that ads and merchandising–no matter how persuasive or promiscuous–would not be able to reach out and touch. And by virtue of our one-on-one, personal relationship with these buyers, we appeal to them with a level of trust and service no mass-market, retail product advertiser could hope to compete with.

    The extraordinary level of service Network Marketers provide is not available when buying through mail order or retail outlets. It is a real and tangible benefit, part of the product’s value–and its price.

    For example: Someone tries a network marketing anti-aging health product. It’s personally presented for them–either in person or via mail–with a host of educational material about the product: scientific studies, article reprints, even books or tapes explaining how the product was made, how to use it, its unique features and its benefits.

    Within one to two days, the network marketer again contacts the person to follow up, asking how they are doing, checking to see that their customer is following use directions properly, make recommendations, etceteras. These service calls continue daily, bi-weekly or weekly until the customer is satisfied and happy.

    The network marketer will also continue to send informative and educational material such as updates from scientific literature. He or she will also let the customer know about other products the company offers that this particular customer with his or her unique needs and wants might also enjoy.

    This is an extraordinary level of service that is a real and tangible benefit for the consumer. This kind of personal and knowledgeable attention is not available when buying through the Internet alone, or mail-order or most all retail outlets. It is one of the things network marketers are paid for and it is part of the product’s value–and its price.

    Are there cases where the above education and service are not offered? Of course.

    Are there products that do not have special ingredients or qualities that support a higher price? Sure.

    And are there times when a network marketed product is simply more expensive to pay for the multiple-level commission structure? Yes.

    Back in the early 1950s, a dog grooming service was opened in New York City to serve people living in the exclusive Park Avenue, 70th and 80th Streets area. They charged $25 to shampoo and clip a dog. They had no customers. Then they jacked-up their prices to $250 per visit–and were an instant success. The Cadillac Seville, when first introduced in test-market showrooms priced at under $10,000, bombed; at $14,000 the very same automobile became an instant best-seller.

    Value is a perception. The relationship between quality, benefit and price, i.e., value, is in the mind of the consumer-beholder. Businesses price goods and services according to what the market will bear. Successful marketers come up with just the right mix of value-benefit-price.

    The majority of network marketing direct sales products are of the genuine higher-quality variety, not available in stores, special in ingredients, design and making.

    Most offer the convenience of in-home or on-line ordering and to-the-door delivery. They are also special in terms of…

    Marketing and Customer Service

    The network marketing “sales person” adds value to the product through his or her education, service and sales to the customer.

    All of this has its price. And according to consumer trends and the explosive growth of network marketing direct sales companies and their products worldwide, more and more people every day think it’s worth it.

    What’s the truth about the price of products offered through network marketing? Are they too high? And if so, why?

    The full answer to this one is complicated. If you need a short one, mine is:

    High? Usually, yes.

    Too high? Sometimes… yes, but generally no.

    So, if they are high, why? Let’s start with looking at what kind of products we’re really talking about here.

    The Truth is, Specialty Products Cost More

    Network marketing is predominantly a “specialty products” business: The products we sell most often tend not to be the type you’d find in supermarkets, drug stores or any other mass merchandiser. They are not the kind that combines the lowest possible price for the least acceptable level of quality. For a conventional retail parallel, look at the products in a natural or health food store, beauty salon, boutique or upscale department store.

    Specialty products cost more to make. The ingredients are unique and high quality and production is low quantity–the amounts manufactured usually are not great enough to take advantage of the economies of scale enjoyed by big-time, high-volume, mass-market producers. So these products more expensive–both to make and to buy.

    Also, specialty product makers usually cannot depend on major advertising to increase sales: they don’t have that kind of money. So they have to use more expensive forms of distribution, such as small, individual retail outlets whose profit margins are higher than mass-market stores and chains.

    Profit Margins and Markups

    Here’s an example: a discount chain drug store might be able to markup a bottle of vitamins that normally sells for $3.00 wholesale for less than the normal 33 percent retail profit margin. And, because they buy in large volumes, they’ll get the product for less than $3.00 to begin with.

    A natural or health food store might buy that same product at the full $3.00 wholesale price, and use a markup of 50 percent to get their full 33.3 percent retail profit margin.

    To the consumer, buying at retail, here’s the difference: $3.99 at the drug store and $4.50 at the health food store.

    And then there’s “what the traffic will bear.”

    There are sexy boxes of imported chocolate that go for $38.00 each, and poly-bags of 50 mini Reeses Peanut Butter Cups you can get for less than $3.80. If your taste tends towards expensive, you’ll generally pay more–in “margin” percentages to middle-people and in total dollars.

    Let’s look at a comparison of one single product offered through the conventional manufacturer-to-retailer distribution system and the exact same product sold through network marketing.

    $$$ From Conventional Manufacturer to Consumer

    We know specialty products cost more to make; again, the ingredients are unique and high quality, and the production is low quantity, so they are simply more expensive.

    Manufacturers speak of “Cost of Goods” (CoG): that’s the figure that a product costs the company to make, including overhead, ingredients, packaging and labeling, sales commissions (such as broker’s fees), etc.

    The very minimum a manufacturer needs to sell that product for is double, or a 50 percent margin. Considering that most competitive businesses operate on a six percent pre-tax profit, that leaves them 44 percent to pay for everything else. So, the $2.00 CoG product they make, they sell for $4.00.

    Now, some manufacturers sell direct to retailers–not many, but a few do, and when they do, they’ll take a higher profit margin to pay for the Cost of Sales (CoS).

    However, most manufacturing companies deal through distributors, who charge for warehousing, shipping and selling the products to retail stores. Normal wholesale is a 25 percent markup, which you get by multiplying the purchase price–plus freight if not included–by 1.33. So, our $4.00 item would be sold by a wholesale-distributor to the retailer for $5.32. (Again, plus or not freight costs which can run 10 to 15 percent additional.)

    To achieve a 33.3 percent profit margin, the retailer has a 50 percent mark-up–or higher. Our $5.32 product ends up on the shelf at $7.98.

    Now, this is the minimum scenario–not what normally happens except in the more strongly competitive markets. It’s not the least bit unusual to find the manufacturer selling that $2.00 CoG product for $5.00 or $6.00… the distributor working on 35 percent instead of 25 percent… and a retailer – especially from a specialty market segment–look for a 50 percent profit (i.e., a 100 percent markup), instead of “only” one third.

    And if all of that were true, the retail price of the product through that sales and distribution system would be more like $14.95.

    $$$ In Network Marketing Direct Sales

    Let’s work this one backwards (because that’s how most of the numbers are figured for your commissions).

    If the networking company’s product sells to consumers for $15.00 it will have an average retail commission to the networker of from 20 percent to 40 percent. So, using a 30 percent retail commission, the company’s “wholesale” price to the mlm distributor will be about $10.50.

    Let’s say that your company pays out a full 50 percent in “downline” or organizational commissions. That means that the company’s lowest from-the-warehouse price for the product would be half of wholesale, or $5.25.

    That’s right in the ballpark for specialty manufacturing, distribution and sales.

    It’s a Question of Value

    There is also a greater value, beyond the “specialty products” issues of ingredient quality, cost of manufacture and so forth and that’s the education, information and service delivered by the person-to-person distribution network.

    Learning the product’s proper use, additional uses, history, all about the ingredients, etceteras, is all part of its value. And products offered through word-of-mouth network marketing have more of this “added value” than any others.

    This last point begs the question:

    “Are products purchased through network marketing higher priced to make up for the compensation or commission payments to distributors and their networks?”

    Can they be? Yes.

    Are they… usually? No and Yes.

    In an authentic, intelligent, sincere and sensible network marketing direct sales company, one that’s well-managed and directed… a company that understands that the financial health and well-being of the men and women in the field MUST lead their mission, decisions, strategy, policies and procedures… no.

    But that new ostentatious corporate headquarters in the prestige location… corporate jet… an army of “distributor service” personnel… rock concert “conventions”… $50,000 “big name” keynote speakers… resort vacations and incentive cruses to exotic locations paid for by the company… luxury car allowances… are all expenses that need to be paid for. Where does that money come from?

    Directly (in terms of potential commissions that will not be paid out to people) or indirectly (in over-priced products and/or inflated charges for marketing materials, self-replicating websites, business building tools and trainings), the money comes from only one place… the men and women in the field.

    “So… do network marketed products cost more?” Sometimes yes and other times no.

    Can they be more expensive than similar items of equal value offered in a conventional market such as a retail store? Yes, they can.

    In fact, you can find numerous examples of both conventionally retailed products and networking products of similar sizes, shapes and qualities at prices that vary by as much as 30 to 40 percent or more.

    The only sure rule in product pricing the world over is, “What the traffic will bear…” No matter what distribution and sales route the product travels. It’s not so much a game of “Let the Buyer Beware,” as it is and always will be…

    “Let the Buyer Be Aware.”

    Factor in the at-home shopping convenience… the customer service… the satisfaction guarantee… personal attention… education and information–and in today’s increasingly competitive global marketplace, the “aggressive pricing” posture being taken by more and more networking companies around the world–along with the generally superior quality of the products available through network marketing and direct sales…

    … and I believe a growing number quality-conscious consumers will agree with me, top network marketing company’s products represent outstanding value.

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    Source by John Milton Fogg

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  • Compulsive Skin Picking: Habit Reversal Training

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    Often people are seen picking at scabs, blemishes or dry skin. However, there is another form of picking that adopts a more sinister obsessive nature — one that results in not being able to resist the urge or need to pick at certain parts of the skin. This condition is medically known as Dermatillomania or Compulsive Skin Picking (CSP). Only recently has CSP started to become recognized as a serious disorder, as the numbers of reported sufferers continues to steadily increase.

    Skin picking often occurs as an impulsive reaction. There have been numerous cases that suggest many of the sufferers remain unaware that they are in fact picking at blemishes or dry scabs, while others have claimed that it produces a feeling of comfort and satisfaction.

    Treatments for compulsive skin picking generally include medical treatments as well as behavioral treatments. One behavioral method is known as habit reversal training. In its simplest form, habit reversal training involves monitoring and tracking of your skin picking habit and then replacing your behavior with a competing response that you choose to do in place of your undesirable behavior.

    The first step is to keep a diary that captures key information about your skin habit. You’ll want to get a notebook that you can record in, and keep it handy in the area(s) that you generally do your skin picking. In your diary you should record the date, time and behaviors for each time you pick your skin. You’ll want to be sure to record the circumstances in which you desire to pick. Does it happen when you are overstimulated and feeling stressed, anxious or excited? Or do you get the urge to pick when you are bored or inactive? You’ll want to record when the skin picking episodes occur, how long they last, what you were doing at the time, and what was your emotional state. Recording this information for a week or two can give you valuable insight into the triggers that lead up to your skin picking sessions.

    The next step in habit reversal training is to adopt a competing response. This involves choosing a different behavior that you choose to do instead of picking. For example, if you were going to pop a pimple or pick at your face, you could clench your fist or pinch your two index fingers away from your face as if popping an imaginary pimple. Personally, I like to do things at my computer where I have to use two hands typing rather than picking. Sometimes, I just play Solitaire or Sudoku just to keep my mind off of picking.

    Lastly, you should also do things that help reduce stress since this can often trigger picking episodes. Try breathing in deeply though your nose and exhaling out your mouth. Do this numerous times until you feel your body beginning to relax. You can use this as your competing response to avoid picking your skin.

    Try these examples of ways to reverse your habit and also experiment to personalize for yourself.

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    Source by Lisa B Mason

    Views: 0

  • Some Interesting Facts About Network Marketing

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    Home based enterprise is simply giving you and also me the chance to earn money from the comfort of our house. The Network marketing industry is responsible for producing the most amounts of millionaires ever. Now you should possibly think about that statement for a second. MLM industry has produced more Millionaires more that the financial industry, more than the pharmaceutical industry, much more than any industry that you could think of.

    Another interesting fact about multi-level marketing business; most wealthy people are endorsing the industry. This is why Personally, I really do not have the time of the day to welcome or entertain anyone that thinks Multi-level marketing is a gimmick. Is Donald Trump a scam? Is Robert Kiyosaki a gimmick? Is Bill Gates a scam? Is Bill Clinton a scam? I mean these are folks who at a particular time have endorsed Network marketing venture. I found it very interesting that the people calling home based enterprise multilevel marketing a scam are the penniless folks.

    Home based business network marketing is a business. Many folks fail and also are continually failing in this venture because they are not treating it as a venture. For the most part, many are brought inside the business by family as well as friends. And it is fairly cheap to get started in it. However, these have made many folks treat home based enterprise multilevel marketing as some kind of hobby thing. You need to treat this enterprise like a multimillion dollar business that it is. In the event you do not, you will fail at it.

    Network marketing is a business of leverage. This is actually the part that is confusing for most individuals. You can not get rich by yourself. The only reason you are going to get rich is by making other people rich. This is actually the same for any industry. Bill Gates plus Warren Buffet have produced more millionaires than some other folks. So if you think getting rich is a selfish affair, then you need to reprogram your mind. Home based enterprise multilevel marketing is exactly like that. You need to leverage other people’s effort plus have their interest also in heart.

    Home based network marketing is a business of marketing as the name implies. I know there is “Network” inside the name and that is very important especially with the individuals in your organization already. There is also “marketing” in the name. I wish many folks will understand this sometime. Just like any venture, you have to market your business. You can get the traditional ways of marketing your enterprise plus you can find the 21st century ways of doing this. The question is in the event you might do something more rapidly as a business owner why would you want to do it slower?

    The most import point that you have to understand about home based enterprise multi-level marketing is that many people is not going to get. As a matter of fact, when most people are agreeing with you about your ideas, then you’re likely doing something wrong. Many will still call MLM a gimmick despite all the evidences of the contrary. Multi-level marketing is a numbers game. Your job is to find the superstars quickly that are willing to make money with you as well as change their life too. Really do not put your emotion into this. Many will not get it.

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    Source by Shola O Abitogun

    Views: 0

  • The Only Real Cure For Irritable Bowel Syndrome

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    In this article I will talk about irritable bowel syndrome specifically IBS-D which manifests itself in loose bowel movements or alternating diarrhea and constipation. I will not talk about IBS-C which appears to manifest itself in solely bloating and constipation.

    If you have landed on this page it will be because you like many millions of others have either been trying to self diagnose your condition or more likely that you are looking for a cure. I must warn you in advance, although I have an academic background I am not a medical health professional and you should always consult a doctor before embarking on any form of treatment however mild.

    In this article I will be covering my battle with IBS for approximately 10 years and how I finally found a cure that works. Everybody has a different story when it comes to IBS-D but as I found out, we all have something in common. I will go on to discuss this in the following paragraphs but I just want to start by saying a little bit about me.

    About 10 years ago I was a young university graduate and decided to join a job that first seemed exciting with infinite possibilities. I soon learned that this job was very stressful and required a 24 hour commitment. I didn’t have a problem with working hard but I had a problem with my work environment. Many people at work were miserable, anxious, and horrible to one another and constantly testing their bodies to the limit. It seemed the norm to be constantly stressed out, have a poor diet and feel like you had no control over your life. My work was my life and my life was nonexistent.

    Within a few months I started to come into work and make my way straight to the toilet. As any sufferer of IBS-D will known this meant constant diarrhea. It didn’t matter what I ate or drank I would always have diarrhea. It was not uncommon for me to visit the toilet three or four times a day having eaten little to nothing and immediately have diarrhea.

    Slowly I just got used the feeling and for whatever reason I thought nothing more of it. As soon as I would eat I would not feel at ease until I had gone and empties my bowels after which I immediately felt better. Along with the diarrhea I would lose water from my body which I never had time to replace so I looked like a dried out prune. Over 5 years I continued to do this to my body hoping that I would find a better role in my job and finally this would all stop.

    It certainly did not go away in fact into my 6th year of IBS-D suddenly out of nowhere I started getting debilitating cramps followed immediately by diarrhea. I would have these cramps 5-10 times a day and would literally need to run to the toilet or feel like I was about to soil myself. This made it difficult to be effective at my job which then created a vicious cycle causing my IBS-D to completely go out of control.

    I suddenly thought that I had developed cancer and stated reading everything on the internet about what disease matched up with my symptoms. I found quite a few which is why self diagnosis is not such a wise idea. I went to my doctor and we stated off with a course of antibiotics as he thought I might have developed in infection after an episode of food poisoning.

    This didn’t have any lasting effect and soon I was back to him demanding more in depth tests. This started a with a breath test to rule out food allergies and went onto multiple blood tests to eventually eliminating ulcers, colitis, coeliac disease, Crones disease gut infections, etc. I then went to the next and final step which was endoscopy of both the upper and lower digestive tracts. This all came back negative too. Finally I was diagnosed with severe IBS-D. In one way I was relieved to know that I didn’t have something like colon cancer but at the same time I was depressed thinking IBD apparently has no cure.

    The next chapter of my life involved trailing a long list of medicines in the hope that they would resolve this issue. Now I want to tell you that of the drugs that I took, there are many people out there that rave about some of these drugs and what it has done for them. That is great as everyone’s body is different and what works for you may not work for me.

    I am addressing the huge numbers of sufferers worldwide who like me have tried everything under the sun and were unable to find a cure. Now the following is a non exhaustive list of drugs which I tried and the results by their side.

    Fibre (ineffective) Made things worse

    Pre & Probiotics (ineffective) At first seemed promising but quickly stopped working

    Exercise (ineffective)

    Drinking Lots of water (ineffective) Made things worse

    Exclusion diet (ineffective) Some foods like cheese, chocolate, spice made my IBS worse but exclusion of all the culprits did not resolve matters.

    Anti Spasmodic (ineffective) Lots of different brands but all useless

    Imodium (ineffective) Helped a little with the diarrhea but certainly not the cramps

    Tri Cyclic Anti Depressant (ineffective) Has a drying up effective at first but quickly runs out

    Hypnotherapy (ineffective) Very insightful and relaxing but not enough by itself

    At this point the consultant G.I specialist had run out of ideas and I was left to suffer on my own.

    Having done countless hundreds of hours of research I came across the answer. In Islam we believe that for every single disease God has made a cure so go seek it.

    These are my opinions on IBS-D;

    IBS-D will not kill you, it can easily be treated and there is nothing seriously wrong with you

    IBS-D Is a functional disorder which is caused 99% by stress be it conscious or subconscious

    IBS-D can only ever be treated by dealing with the cause behind the problem and not the problem itself

    IBS-D affects people generally in the Western world where the 24/7 lifestyle and pressures of society cause people to be stressed out beyond limits and this is often brushed off as mild anxiety or depression.

    So here is the magic bullet you have all been waiting for that worked for me and if my concept is correct should work 100% without fail for genuine IBS-D sufferers.

    First accept that you have IBS-D because you are under pressure consciously or subconsciously and this is your body’s way of warning you that enough is enough.

    I spoke to my G.P and asked for Venlafaxine XL which is an SNRI antidepressant. I choose this specifically because it had constipation as one of its side effects; it was a powerful antidepressant and reduced visceral hypersensitivity.

    Within 6 months at 150mg a day I had completely 100% recovered from any symptoms of IBS-D.

    So how did it work? It is simple; the vicious cycle of stress, followed by cramps followed by diarrhea was broken. I no longer worried every time I went out if I had been food poisoned or where the nearest toilet was. It just let me get on with life without thinking about IBS and soon I was able just stop worrying about IBS and that is it.

    Every single person reacts differently to different antidepressants so try them and see which one works best for you. Whilst you are on them you could try using hypnotherapy to make you understand that if you take the stress away then you break the cycle. It’s your thoughts that control your bowels. Controlling your thoughts will help control you’re IBS but as I said before hypnotherapy is ineffective on its own.

    The only other drug that I have used when coming off Venlafaxine was a benzodiazepine called Alprazolem, brand name XANAX. In the UK this is not prescribed on the NHS so you will have to get it by private prescription. This drug can be addictive but if you have good self control it is an excellent drug to use on a controlled as needed basis. One tablet of 0.5 mg and I would be saying what IBS? You have to be very very careful not to increase your dose or develop a habit for this drug. You should also know it can develop tolerance and so you will then need to start increasing your does. Use it like it is supposed to be used as a treatment for IBS and not recreationally for you pleasure and you will have no problem.

    Finally I’d like to conclude by saying that if I didn’t have God in my life I probably would have given up long ago. Now I have my life back and am free from IBS-D. God always gave me hope so never give up the search for treatment and treatment starts with knowledge of your condition. So don’t make the mistakes I made and loose ten years of your life before realising that we are all human and we all have breaking points. If you have gone past that breaking point your body will tell you one way or another so listen to your body.

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    Source by Jordan James Sinclair

    Views: 0