Avoid Financial Problems Now With These Tips

For some people, a financial problem can lead to depression and even suicide. However, you don’t have to be stressed or depressed about money. No matter what your current financial picture is, there are steps you can take to improve your situation. Keep reading to gain the knowledge needed so that you can save your personal finances.

There is no get-rich-quick scheme that actually delivers. Lots of Internet marketers get caught in this trap. Learn as much as you can, but taking action is more important that spending all your money on books and courses; taking action is the only way you will actually make a profit.

To be successful, you have to be good at managing money. Profits should be protected and capital invested. You will see a return on your investments by managing profits. Set a standard for what you keep as profit and what is reallocated into capital.

Make sure you file your taxes on time. If you anticipate a refund and want your money from a refund faster, you need to file your taxes as early as possible. If you owe the government money, file as close to the deadline as possible.

Get a good health insurance policy. Everyone is going to face health problems. For this reason, it is important to be covered. Bills for medical care can easily run into the tens of thousands of dollars. With the right insurance, you’ll be covered review of Freedom Checks by MarksRealReviews.com instead of facing years of debt.

If you’re currently married, make sure that the spouse that has the best credit is the one that applies for loans. Try to improve your own credit by never carrying a balance on at least one of your cards. You can share debt more equally with your spouse once you’ve improved your credit score.

To be financially stable, begin a savings account and then deposit money faithfully. This way you might not have to apply for a loan when you need money, and also you will be able to face most unforeseen events. Contribute what you can every month, even if it is very small.

If you travel by air frequently, it might pay for you to sign up for one of the frequent flier programs. Frequent flier miles are a popular form of one of the many rewards that credit card companies provide. Your frequent flier miles will constantly increase and are redeemable at thousands of hotels or airlines across the world.

Change over to a checking account that is free. Local banks, credit unions, and online banks are all likely to have free checking offers.

For high-ticket items, be sure to shop around to get the best price. The best thing that you can do to get the most reasonable price on an automobile is to shop around all of the dealers in your area. If you can not find a price that you want to pay, take a look at the cars for sale on the Internet.

It is crucial to pay all of your utility bills promptly each month. A habit of paying bills late can have negative effects on your credit rating. Paying late will also rack up late fees and penalties. It’s not worth the headaches that come from paying late, so whenever possible, pay your bills on time.

You should find out if your debit card offers an automatic payment scheduling system that you can utilize to pay your credit card bill each month. Making this arrangement avoids you forgetting to ever do so.

By having your bank automatically pay your bills each month, you can make sure your credit card payments always get there on time. When you can’t completely get rid of your credit card debt, making regular monthly payments will improve your credit history. You won’t need to worry about missing a payment or having it arrive late. If you can, send in a little extra to pay down the balance on the card.

Since you are more aware of how to handle your finances, you should see an improvement in your life. This should give you a idea on how to fix your personal finances. Once you’ve implemented the tips you’ve learned here, pay it forward and give this article to someone else who might also benefit.

GoodLife USA – A Good Program Or Waste Of Time?

What is GoodLife USA? If you have ever heard of it or someone has approached you in this name, you might have some confusion about this. In this article, I will give you the details of GoodLife USA. The review will be fair and will not be intervened by any personal opinion.

GoodLife USA: The Company

It is introduced by Mark Seyforth and Edward Dovner. Both are the founder and the SEO of the company. It focuses on Travel MLM industry. When one founding member, Mark Seyforth, had MLM career in 1975, the history of another founder is not clear. As the site says, Edward Dovner was a sales agent at the age of 21. Then he created a market company. He got the desired success in his business. Both the founders worked with a common objective to create GoodLife USA.

Review of the Product

It is originated as a wholesale discount club for the market travel membership. It helps the users to better utilize the money on retail and travel. You will get some discounts and the best package deals. You will find discounts o travel, accommodation, health and wellness, entertainment, and many other things. You will get discounts and cash backs on all the things you do.

Types of membership

Silver membership: For this membership, you will have to pay $11.95 per month. It includes hotel, travel, and lifestyle savings without any setup fee.

Gold membership: For this, you need to pay $39.95 per month. It includes gateways and the cruise packages. The set up free will be one time$99.

Platinum Membership: For this, the monthly charge will be $95. It includes fantasy gateways and concierge. The one-time setup fee is $199.

Compensation Plan

You will have also a compensation plan if you sponsor the people to buy the products.

You will find 10 ranks in GoodLife USA.

Level 1: Garnet- $300+ per month with two personal IBO’s.

Level 2: Tiger’s Eye $ 500+ per month with two personal IBO’s.

Level 3: Fire Opal- $1,000 + per month with two shared teams, two personal IBO’s, and minimum CV -30, 000.

Level 4: Sapphire- $3,000+ per month with five shared teams, two personal IBO’s, and minimum CV-75,000.

Level 5: Ruby: $ 5,000 + per month with 10 shared teams, two personal IBO’s, and minimum CV- 195, 000.

Level 6: Emerald – $ 7, 000 + per month with twenty shared teams, two personal IBO’s, and minimum CV-350, 000.

Level 7: Diamond- $10, 000 +per month with twenty-five shared teams and two personal IBO’s and minimum CV-500, 000.

Level 8: Double Diamond- $25, 000 + per month with thirty-five shared teams, two personal IBO’s and minimum CV- 1, 000,000.

Level 9: Triple Diamond- $50, 000 + per month with fifty shared teams, two personal IBO’s, and minimum CV-2, 000,000.

Level 10: Crown Black diamond- $1, 000, 000 + per month with seventy-five shared teams, two personal IBO’s and minimum CV-3, 000, 000.

Recruitment Commission Payout

They will get paid through the three level unilevel structure depending on the Membership. The silver membership affiliates will get the money through one level of recruitment, the gold membership on the two levels and the platinum on the three levels of recruitment. The amount of the commission will be different for the different membership and that will be paid through three tiers. You will be liable for the commissions if you sell and maintain minimum 20 active travel memberships. In addition, you will get a Dream Dollars when the member’s downline sponsors new members.

Travel Membership Commission Payout

Both the affiliate and retail membership will be paid in their 2×20 matrix compensation plan structure. There are around are 2,097,150 positions in the 2×20 matrix. The commissions will be paid monthly at the rate of the five percent of CV received throughout the first fifteen levels of a matrix. From the 16 to level 20, you will be paid two percent on those levels.

Commission Sharing

In the first month, you need to share the commission with the Upline. The sponsored affiliated will get $60 of a newly recruited affiliated generated in the commissions. After the 60 %, they can get 50 % of next $500 earned. After the 560, the commission will be split commissions based on downline CV generation.

Joining Cost

The affiliate fee is $79. In addition, for the silver membership, you will have to pay $11.95 per month. For the Gold membership, it will be 39.95 per month with a one-time setup fee of $99. For the platinum membership, you will have to pay $59.95 with a one-time setup fee of $199 as mentioned earlier.

Final Verdict

GoodLife USA is one the best travel MLM companies that I have reviewed. You might need to pay a decent amount to avail the discounts. But it is worth spending if you consider the overall benefits. If travel a few times or once in a year, you might not be the right choice. It will be profitable for those who are frequent travelers. They can take the benefits of the discounts and the cash backs.

Viridian Energy Review – Good Program Or Not?

While you must have come across several reviews about Viridian Energy, chances are that these reviews are mostly sugar coated and biased. And it is tough to decide correctly on the basis of such biased reviews. But don’t worry, I will provide you with factually correct information in the following review of Viridian Energy. That is because I have no affiliation with this company, and so I will put forward on the truth in an unbiased manner.

Understanding Viridian Energy:

The first thing that you need to know is whether the company is a scam or completely legit. Viridian Energy was launched by Michael Fallquist in March, 2009. The owner has a strong and impressive background in business, and was also selected as the Regional Entrepreneur of the Year by Ernst & Young. It is hard to overlook this accomplishment by Michael.

This company offers various options in green energy to its customers including renewable sources of energy and reasonably-priced solar power panels to be installed in homes. Viridian Energy received the ETHOS Rising Star Award in 2012, giving this company recognition all over the world as a consistently growing company in direct sales industry.

The company’s revenue in its first year amounted to $2 million, which is quite impressive in terms of a start-up Multi-level marketing (MLM). It is even more amazing to know that Viridian Energy earned as much as $205 million by the year 2011! And the best part is that this company is still growing.

Viridian Energy Products:

In order to be on the top of MLM companies, it is important for a company to provide the best quality products, which will create a demand in the market. Viridian Energy offers a wide range of products that have taken the market by storm. Take a look at the products offered by the company:

Everyday Green- This plan comes with 2 options- you get choose for either 100% or 50% renewable energy plan. Both the plans are way cleaner compared to the average sources of renewable energy.

Simply Right- The plan is similar to a Carbon Offset plan. You are offered 2 choices- either pay up to 25% for the energy via carbon offsets, or have your 100% energy go through carbon offsets.

Clean And Simple Solar – Being the costliest of the 3 packages, this plan offers exclusive solar power.

A point to note is that prices of the packages are different for different states, so check with the company’s website to know the exact prices. You should check it before deciding on the final price.

Business Opportunity With Viridian Energy:

Similar to most network marketing enterprises, this company provides you with compensation when you actually enroll another individual into Viridian Energy. Like I mentioned before, I don’t endorse what the company claims but it has proved true to its promises. The compensation is real and substantial, and despite tough competition, you can earn a good amount through compensation from Viridian Energy.

Is It Advisable To Join Viridian Energy?

So, your final question would be whether or not to join Viridian Energy. Well, it is true that this company has faced some cases of rip off. In fact, an incident was reported in Chicago that makes you doubt the company’s business tactics, the word spread that if you opt for the variable rate plan, you would be able to enjoy a leap in your energy from 5 cents for every KWH to 15 cents for every KWH. Such tricks are so crazy and believable that the company had to pay a fine of $60,000 in Maryland (state) along with receiving an F in their BBB rating for some time.

Make sure that you always go through the contract properly before signing up for any service offered by any company including Viridian Energy. Look carefully at the fine print and you can save yourself from all scams and frauds. And as far as compensation is concerned, the rules are simple and the company does not trick individuals in any way as far as compensation payment is concerned. Viridian Energy might not pay aggressive compensations like it competitors, but it stands true to its word.

I have myself earned an impressive amount, and I would recommend you to join Viridian Energy if you are looking for a legit, reliable and clean way to earn money.

See more reviews here

H9 Water Company – Good Business Op?

Various water companies have been coming up over the recent
years including H9 Water Company. The company was founded in 2013 by Steve
Morse and Keith Hall both from Texas, USA. There have been different reviews on
H9 Water that seem to misinform people on the product.

I have set out to research more about H9 water and get
factual reviews on it and dispel any misinformation or rumors. I can only
review the product on actual information provided by the company’s website as
well as testimonials or case studies available. I am in no way related to the
company nor am I promoting the product. Just an educated review to let the
readers decide whether it is a hit or miss.

I will try to dispel or approve any claims from the company
regarding the “Magical water.” In most cases, similar websites as H9’s will
contain biased reviews claiming the unique benefits of using their products.
I’ll provide the overview background of the company and talk about its
products. I’ll as be discussing the company’s compensation plan. To conclude,
I’ll provide to you the pros and cons for H9 water to help you with better
judgment. Here Goes…

H9 Water Overview

It may be because the company is relatively new or due to
other reasons, but there is limited information on the product and the
founders. What can be established is that it was created back in 2013 by Steven
Morse and Keith Hall. It’s situated in Texas, USA.

A closer look at their site reveals Earth Products Inc. as
the company behind H9 water. Nonetheless, no other connection can be found
between the two companies. There is little evidence to show that Hall and Morse
have another company, so I’ll go ahead and assume that this is their first

H9 Water Products and

I have tried many sources to verify if H9 Water Company has
an exceptional or unique product, but it is mainly water. The company claims
that they produce “structured” water with the following claims to it:

• It provides vital
skin and hair nutrients

• Increased body

• Has essential
minerals and vitamins

• Increases your
alertness duration

• Replicates and
changes into energy and

• It detoxifies
your body wastes

A box of H9 water costs $99.95 that can last a few weeks;
the company recommends two boxes per month that is enough for a person. A
strange approach if you ask me, as it seems pricey compared to bottled water.

Let’s look at their compensation plan.

Compensation Plan

For such a company trying to promote itself, I find it odd
that they do not have a compensation video to explain their ideas. I did find a
pdf though; it breaks down the basics as described below.

Before creating your own H9 business, you will have to buy
one of their partner pack that comes with different items. These packs are:

• H9 premium
partner pack for $999

• H9 Partner pack
for $499

• H9 Partner
Marketing pack for $499

Therefore, before you start, you will have to part with some
substantial amount of money for the investment. There are also many ranks and
requirements needed to be part of the payment system. Listed are all the ranks
to move from:

• Partner

• Senior partner

• Director

• Regional director

• Regional director

• National director

• Executive

• Ambassador – Five
levels ( 1-5)

• Global ambassador

• Platinum Global

Pros of H9 Water

I like it since it offers a 90 money back

Has a large pool of bonuses and a massive
ranking system


They don’t have any unique product

Cheaper options to get water from

Not many people will purchase water worth a
hundred dollars

Numerous recruitment requirements

No evidence for any special effect in the water

The Verdict

H9 Water compensation plan is rather decent, and they own
product. My primary concern is that they are just selling costly water in my
opinion. If it’s $99 or 16 bottles and each bottle measures 500ml, then its
$6.19 for a bottle. However the 90 day money guarantee can be of much help
recover some money.

At the end of the day, H9 Water is still water, and for a
few hundred dollars you can get yourself a nice filtration system for clean

Selling such a product can be extremely frustrating leave
alone the recruitment part. If you believe in your marketing skills, however,
you can try out and get your rewards. There are many networking programs to
train recruits about promoting such products, and they may come in handy.