Can You Make Money With Rodan and Fields Network Marketing Opportunity?

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Based on the name alone, Rodan and Fields is a highly recognized brand name as creators of best selling product line Proactiv. There is social proof in brand recognition so this is a plus for Rodan and Fields consultants. As a skin care company, there’s no doubt there’s credibility built around the dermatologists’ reputation as creators of the multimillion Proactiv brand.

The Products

Personally, I’ve used Proactiv and it did work at first, however my acne breakouts eventually returned after I stopped using the products. As for the Rodan and Fields new line of acne products, it is different than the original Proactiv, from the info available on the website.

What’s also different is the price tag. The entire acne system, Unblemish line, costs around $100. That’s a whopping cost for 3 acne products considering there are a lot of competing acne products that can be equally effective and are less expensive.

As a previous sufferer of periodic acne breakouts, I would personally spend whatever is needed to clear my skin. So if using Rodan and Fields Unblemish products work, I’d say stick with it, if you can afford the price tag. Rodan and Fields also offers other skin care products such as their flagship sun care Reverse system that is supposed to erase sun spots and sun damage skin.

Business Opportunity

As a business opportunity with Rodan and Fields, the brand recognition will no doubt attract prospects to the opportunity. Since it is a network marketing business opportunity, consultants can earn immediate retail profit and commission from building a team.

The retail profit starts at 25% and the downline commission starts at 10% as a Qualified Consultant. With $100 monthly sales volume, a Qualified Consultant can start earning 10% from their team’s efforts. There are also 4 ways to get paid. See Rodan and Fields for more detailed explanation on their compensation plan. In general, I think the compensation seems balanced with a solid payout.

Can you make money with Rodan and Fields?

As I stated at the beginning the name recognition will draw in some prospects looking for a new opportunity to get involved in. The “ground floor” tends to draw in the newbies or prospects looking to get started at the beginning.

The reality is that regardless of which company you represent, if you don’t learn how to market you, you’ll struggle and go from one opportunity to another. Top network marketers are successful because they understand the importance of branding them, not the company they represent. People join and follow leaders, not companies.

Keeping that in mind and know that it’s more important you learn to be an entrepreneur first. That means changing your mindset to think like an entrepreneur and learn how to brand you and market you. Talk to any top network marketers and they’ll teach you to do the same.

So it’s not the products or the business opportunity that attracts people to you. As internet guru Jonathan Budd, one of the most successful entrepreneurs will tell you- “products don’t sell themselves, you do!”

So learn how to brand you first. Whichever company you choose to take on, if you position yourself as a leader who adds value and help others solve their problems, you will begin to attract and build a successful business. Whether it’s with Rodan and Fields or with another business opportunity, when you learn to add more value to others, you in turn create more value for you, and your business.

Janette Stoll is a WAHM and proud member of the direct sales, network marketing business. I’m passionate about teaching home business entrepreneurs how to market their direct sales business using internet and attraction marketing techniques to attract quality prospects to their business. For more tips, visit http://www.marketingdirectsales.com and download a FREE report.

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How Much Money Will You Need to Retire On?

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Every day you wake up early in the morning and set out for work, sometimes you work 8 to 9 hours, 5 days in a week completing 40 to 45 hours in a Week. You are either working as an employee or you are self employed.

My questions are,

1. What impact does your work create in the life you want to live?
2. What are your reasons for choosing the work you’re doing now?
3. Do you want to continue to live from Pay-Check to Pay-Check?
4. How much Money do you need to retire on?
5. Are you really seeing your end from the beginning?

The above question must be answered by you, but before you start answering these questions, I need you to understand the facts below.

In a civilized society, no human can deny the fact that money is important, also, nothing can take the place of money in the area where it is needed.

No matter how much you feel money is not important, remember, money will buy your shelter, money will put a good food on your table, money gives you proper education and information, money runs the wheels of your career. Though money is not everything, but it needs to be earned and circulated.

Just a short story. A man worked in a financial institution for many years and couldn’t manage his finances but traveled to many parts of the world and obtained a huge loan and built a mansion. He kept telling people that his house is his asset, but when he was due for retirement, he used his benefits to set off all the loans he obtained and was left only with the mansion he built and $5,000. His Children are in very expensive Schools, he needs to turn to some other business to keep life going, how much will be his investment capital if he decides on any business? This is same with a lot of people today.

Start thinking of how much money you need to retire with.

You can tell what will become of this man in the next 5 years after his retirement.

The only way for you to retire with as much money as possible is by working on your financial intelligence.

That is what we call “FINANCIAL MASTERY.”

The subject of money is one lesson you cannot learn from school, start training yourself NOW.

Think of how to manage your finances, how you want to live your life when you retire from working and start seeing the end from the beginning. This will PUSH you to start improving yourself.

Personal improvement is the best education you can ever give to yourself.

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Tips to Save Money on Prescription Drugs Effectively

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Drugs can be quite expensive now, and not everyone has insurance coverage that covers their prescribed medications or makes the price lower with a co-pay. In other cases, people have to pay full price for their drugs, which can be pretty expensive. This can happen even if they have a medical insurance plan, but it doesn’t cover the specific drug.

People with and without medical insurance could use some of the following methods to mitigate the effect of expensive drugs on their wallet.

There are several tips on how to save money on prescription drugs. Those tips exclude unsafe ways to obtain medications, like buying them on the street or ordering through an unlicensed pharmacy.

Generic drugs instead of brand-name

This tip is the first that comes to mind when it comes to saving on prescribed medications. Indeed, generics in most cases have the same efficacy as their brand-name versions, but patients can obtain them at a significantly lower cost. If a physician said that a patient may replace a brand name drug with its generic substitute, or didn’t prescribe the drug to be “dispensed as written”, purchasing a generic alternative would be a wise decision.

In most cases, pharmacists provide their customers with generics unless they see “DAW” on the prescription.

For example, Prilosec. This brand-name drug used to treat GERD costs about $230 for 30 capsules, and its generic version costs only $13 for the same amount. Prices are valid as of February 2, 2017, for New-York city. All of the estimated prices are taken from Goodrx.com for Walmart pharmacy. Lower prices may be found in other pharmacies or areas.

Using preventive care services

With the Affordable Care Act (ACA, also known as Obamacare), people have access to preventive care services for free, regardless if they have any type of medical coverage or not. This method will not help to save money on current prescriptions, but will decrease the chance of drugs needed in the future.

Using patient assistance programs

If patient can’t afford a specific drug, using patient assistance programs is an option.

Those programs are run by pharmaceutical companies like Pfizer. Also, there are federal and state programs available for patients without medical coverage or those who cannot afford vital drugs.

Rx Outreach and NeedyMeds are only a few of the programs available across the U.S.

90-day supply instead of 30-day supply

A 90-day supply is almost always cheaper than a 30-day supply. In the long-term, this method can save not only money but also time spent to visit a doctor or a pharmacy.

Plus, if a patient has private health insurance, they can get a 90-day supply using a mail-order pharmacy. This will save even more money and it’s more convenient.

Mail-order pharmacies

Patients could save money on their prescriptions by using mail-order pharmacies. This method is more convenient than going to a pharmacy, but patients should be really careful when using online pharmacies.

Some of them could be fake and simply looking to scam customers. However, patients could avoid those issues if they use the BeSafeRx program from the Food and Drug Administration.

Pill splitting

If a physician says it is okay to split the pill, you can, as long as it is not a birth control medication or a long-acting drug. There are also drugs that are not designed to be split or drugs that have a special coating to protect the stomach. It is impossible to split these and use them without any consequences.

In all other cases, it’s a very smart move to make 20 10mg tablets out of 10 20mg tablets. This method uses the same principles as getting a 90-day supply: a twice-higher dosage does not mean a twice-higher cost.

It is very important to ask a physician about pill splitting in every specific case.

Exemption right

It is possible that medical coverage will not cover the drug that is lifesaving or really important for the patient’s health. If the patient’s physician provides the insurer with proof of the importance of the drug for the patient’s life, there is a chance the patient could get a right for exemption. With this right, the health insurer would cover the drug that is not covered otherwise.

Spending some time on a call to the insurance company could save a lot of money.

Another pharmacy – another price

A patient with an insurance plan could obtain his drugs for different prices from different pharmacies in your area. The difference could be small, only saving a couple cents, but it could be significant as well.

For example, 60 pills of Adderall will cost about $45 at Walgreens and about $79 at Kmart. That’s $34 saved just by walking to another pharmacy.

If this example is not shocking, just imagine the amount of money that would be saved if there are several drugs prescribed.

Using online medication coupons

If a patient has a high deductible plan, or if the drug is not covered, it is a good idea to check if it is possible to get the drug at a lower price by using online coupons. It is hard to save a lot of money on commonly prescribed drugs, especially generics, but savings could be huge for brand-name drugs.

One of the most commonly used services for getting online coupons is Goodrx.com.

Another way to save money is to check if there is a manufacturer discount available for the drug. If a patient is eligible for the manufacturer discount, there is a possibility they could get the drug at a low cost.

Overall drug savings

These tips, combined together, will save a lot of money on prescribed drugs for people with or without medical insurance. Each of these methods is safe for patient health, as the patient will obtain only original medications without any additional substances, which are common in counterfeit drugs. If you are not sure if some of these tips would work for you specifically, don’t hesitate to ask a physician.

Article “Save Money on Prescription Drugs Effectively” was originally posted at Pharmacy Near Me “Life & Health” News category.

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Modern Ways of Saving Money – 4 Tricks That Can Make You Rich

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Saving has always been a way of life for people who believed on its power. These people know that they have to save more money in order to create a more established future.

However, as time goes by, more and more people find it hard to save money. They contend that saving is no longer a way of life but a resolution that they have to strictly adhere to just to salt away some amount of money.

Some people even insist that it is no longer possible for a person to save more money because most of them are already living paycheck to paycheck. With all the high-prices of commodities these days, saving more money is no longer workable.

But the point is that people can indeed save more.

How? Here is a list of some modern ways that will let you save more money:

1. Save some percentage from your salary

Most money-savers automatically take at least 30% from their salary and save them into their savings account. The basic concept here is that most of us spend whatever amount we have on our paycheck, and maybe even more. If you are able to limit that amount, your expenses will unexplainably get smaller.

2. Pay everything in cash

Credit cards had always been a way of life for most consumers. The problem is that they become so comfortable with it that they tend to spend everything on credit. In fact, statistics show that the average family has an average outstanding balance on their credit cards amounting to $7,000. And they even pay almost $1,000 in each year just on the interest charges alone.

Hence, because of this comfortable shopping, they forget to keep track of their expenses and accumulate more payables than what they can afford to pay.

3. Set goals

Create goals that you really want and not be fickle-minded about it. If there’s a certain amount involved, be specific with the amount, like saying “I will save $5,000 in a year and not around $5,000.”

Try to set your goals based on your priorities. Have a period for every goal.

4. Check your company’s retirement plan

With your employer plan such as the 401(k) or the 403(b), you can definitely save more money for the future. Here, your company will deduct a percentage of your salary from each paycheck and invest the amount in your choice of instruments-mainly mutual funds.

The bottom line is that saving is not just a way of life or a resolution. It’s the ultimate gratification that you get as a fruit of your labor.

Nick Stoles has been freelancing as a writer for the past 5 years. His articles on popular financial topics like forex trading, real estate and various product reviews can be found on many websites. His latest article published at http://www.autofloormatshop.com where he share tips on buying an auto floor mat for your car.

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Effective Ways to Save Money on Hotel Booking

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In today’s era when everything has become globally expanded and worldwide organizations are running an extra mile to serve communities across the earth, traveling have become more important than ever. Hence, people have started to consider voyaging as a daily part of life to either solve the business purposes or to have a break from all the stress. In both cases, finding an accommodation that can suit your requirements, budget and timing has become a major crisis and you all must be wondering on how to save those extra bucks on accommodation while traveling to an unknown place. To answer that question, this article has come up with the most amazing ideas after consulting the expert travelers and researching through the market to give you a final conclusion of effective ways to save money while booking a hotel. So, check out the list below and make your escapes much more affordable and enjoyable at the same time:

1. Timing is the Key

No matter what you do, the perfect timing covers the half way towards your success and when you are planning a vacation, it is really important as you might get caught-up in either hefty demand or a time when everything is closed. It is always important to keep on looking for the deals months before to ensure you get the perfect prices as per your season or take the chance for making a last minute search to get the cancelled rooms at an affordable price. Also, by perfect timing, we mean to plan your vacation in the season that is neither on the peak, nor on the off when we speak of tourism and ensure you get it all with perfect weather conditions, less demand and more fun.

2. Comparing for Best Deals

Most of the people these days go for the giant agencies or the trusted agents to get their bookings done and mostly end-up paying more for putting their trust in wrong hands. It is often advised by the expert travelers to always compare the prices between travel agencies and hotel groups to find the best quote and get the bookings done after finding what is best suitable for your trip. There are an abundant number of reputed as well as start-up travel agencies that allow you to book your hotel accommodation on seasonal sale, special discount and other offers exclusively available in the market to outshine others and give you a dream getaway you always wanted.

3. Looking for Less Prominent Locations

Hotel accommodations located near the prominent sites and attractions are costlier than the hotels and resorts located in other parts of the city. Whereas the prominent locality may give you the edge of exploring the attractions with a few blocks of walking, the hotels located farther are willing to offer you more at lower prices to get your attention as well as to give you the finest quality of stays. Hotels near the biggest landmarks and prime localities are often found packed throughout the seasons and require advance booking procedure which also pays a big contribution in higher prices. If you book your hotel room in places that are a little away from these major sites and are located at less prominent places, you will surely find some quality accommodation at lower plans.

4. Use of Memberships

While paying or at the time of booking, we often forget to take other sources into account which can be more beneficial for us and often miss the opportunity to save a little extra while booking a hotel stay. These days, when organization is racing to get your attention and business from you, they also give you some privilege of getting cash-backs, discounts and other perks and leverages while using their special and exclusive membership options. Many banks and card companies these days give some special offers while collaborating with the travel agencies and give some cash-back as well as discounts on transaction of a certain minimum amount. Usage of these offers can also give you some extra benefits to ensure some more savings on the hotel booking.

5. Find what you Actually Require

In the hunger of finding the best accommodation option, we often lean towards finding hotel deals that provide it all and often pay more for services and amenities that we don’t really required. Before making your hotel booking with B&B, All Inclusive and half-board options, always sort your requirements and think accordingly whether you will be needing those services or not. It is quite obvious that the more services you add on your hotel room, the more you are going to pay. Hence, always book for the things you require and try to avoid those services that you might use and can get them if required as an add-on.

Whenever you plan a holiday for yourself or with friends, you can come up with many more options such as finding hostels, couch surfing (not for every destination), finding a person you know and more, yet these concepts are not worthy when you are either on an executive trip or on a holiday with your family or loved ones. So, if you have been thinking for going on your next vacation and taking a step back on your decision after watching hefty hotel prices, then all you need now is to effectively go through these points and consider them all before making your hotel booking to save a good fortune. However, if you have been thinking to save a little extra, you can always search for some seasonal offers on flights as well.

Rajni Devi is a travel writer and loves to share her travel stories.

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Can You Make Money Selling Stella And Dot?

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As a new Stella and Dot Stylist, it’s pretty easy to get bookings at the beginning. Especially if you have a group of female friends that love jewelry and willing to help you.

With the incentive for free jewelry, it’s a great hook, to find hostesses. Like other direct sales opportunities, Stella and Dot stylists are encouraged to make a list of their warm list – friends, family, and people they know locally, and ask them to host parties in exchange for free jewelry. You can also host your own parties too.

You can also join local women’s events, moms groups, your kids’ schools, the gym, and many other local spots to meet people. Be open and willing to get out, join groups, network locally to expand your contact base. Otherwise, you’ll quickly run out of hostesses because your friends and family will only host so many times without saturating their own network of friends.

Can you make money?

You definitely can make money with Stella and Dot IF you consistently have parties booked or know how to use online marketing to sell products.

With jewelry, it’s best sold in a home party format because it’s an emotional product. If you can get a group of women together over wine, friendship, to try on the jewelry, you’re going to make more sales. Catalogs can be effective too.

With the retail profit starting at 25%, you can earn a substantial profit, if you have enough shoppers. An average home party is $1000 according to Stella and Dot’s website. You can also earn an additional 5% with a personal retail volume of $2308 along with free jewelry.

Team building

Starting with your first frontline, you can earn 4% and up to 18% as you promote higher. The commission gradually decreases as you build deeper.

In order to receive a commission from your team’s efforts, a personal monthly volume of $769 is required. This volume must come from reselling products to consumers through home parties or from your personal website. Buying products for yourself will not count towards this requirement.

There’s also a requirement to be active. Be sure to submit at least $300 in jewelry orders every quarter to be a stylist. If you are building a team, remember to meet the minimum requirements every four months, otherwise you will lose your downline to the next qualified upline.

You can get a detailed explanation on the comp plan on Stella and Dot’s main website.

There’s no doubt the home party format can be highly profitable if you consistently get bookings.

The challenge facing most direct sellers is finding new hostesses consistently. You typically see a burst at the beginning because it’s a new opportunity, you’re excited and eager to get bookings, but then the activity slows down. That’s when you see most people give up because without new leads, your business is dead.

Keep in mind…

As gorgeous as the jewelry is, understand that you’re selling non-consumable products, which means you can’t rely on repeat sales. There’s always an exception with customers that can’t get enough jewelry but that’s not the norm.

As with any non-consumable business opportunity, be sure you have a marketing plan in place for networking so that you can expand your contact list. Without new leads, you won’t be in business long.

**Learn how to get ENDLESS leads to grow you Stella and Dot business. Tips revealed in my new FREE Report –> http://www.marketingdirectsales.com. Start attracting prospects without having to bug your friends and family.

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Trading Trilogy-3: Money Management

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30 feet-the old Kilo Class submarine dives deeper onwards to 100 feet-200 feet-400 feet-600 feet-800 feet-an explosion occurs, maybe the batteries were faulty? The submariner notices the creaking sound of the extremely high pressure of water against the submarine hull. Water rushes in. Automatically the high-tech systems of the submarine seal the flooded chamber. Luckily the engine room is intact, and the submarine painfully tries to resurface from the depths of the Pacific Ocean. The remaining compartments are dry, and the incumbents are safe.

You must be wondering whether this is a prelude to a thriller short story, or an article on money management, in trading. This had to be made dramatic because your money, that is, your capital is like blood in your body. Your body needs blood to survive; in the trading scenario, your account needs money for you to survive in trading, so treat it very carefully, like a mother lioness takes care of her cubs, without letting go for a moment.

Like a submarine, you’ve got to divide your capital into equal compartments, or parts, so that if one compartment gets flooded, that is, if one trade goes bad, your chances of recovery will be good. Remember, however good you or your method may be, the markets are not always conducive to trading. If you get shortchanged multiple times in a short period, step back, analyse whether the problem is with you, and your method, or the markets in general. If it is with you, course correct, trade with smaller amounts till you get the confidence back, or stay out till you get in sync with the markets. If the markets are finicky, and non-tradeable, stay out till some semblance of sanity returns, then re-enter.

Do not trade without stop-losses;most experts advocate putting them in the system, some traders write them on paper, and execute the trades manually. Do not keep a position open, if accessibility to the trading terminal is an issue.

It’s your take, what methodology you would like to follow. Keep the stop-loss to not more than 5% on every trade;when your account size grows, limit it to 1% to 2%. You have to live to trade another day. Trade with the amount you are comfortable with;do not try to emulate others. It has been noted that when one crosses one’s personal threshold, the subconscious mind tries to sabotage the effort, because it is uncomfortable with larger than normal amounts allocated to trading. The Peter Principle comes into play, that is, the person rises to the level of his/her incompetence. If it so happens, cut down on the account size, and trade similar sizes till you get into the flow.

Always keep a record of the amount left after every trade. It is a barometer as to how you are doing as a trader. Ignore this at your own peril. A rising equity curve suggests that you are on the right track to becoming a successful trader. Remember, money flow in trading equals blood flow in the human body. Your survival as a trader finally depends on it, and is not to be taken lightly.

I would finally like to acknowledge Dr Alexander Elder, the legendary teacher of traders who has written books which delve into the various aspects of trading-the mind, the method, and the money management, as he puts it.

Afterlude: The old submariner had done well for himself. After the miraculous escape from the Kilo Class submarine, he retired from the Soviet Navy and went into trading with his meagre retirement benefits. He decided that if he were to grow his capital, he had to learn the lessons from his previous vocation. He divided his savings into two parts: 80% he put into fixed income instruments; he traded with the remaining 20%. That 20% he divided into 10 parts like the compartments of his submarine. He followed Dr Elder’s methodology-he risked no more than 2% of his capital on a single trade, and if he lost 6% of that compartment(trade), he would stop trading for that month. His account grew gradually, so did his peace of mind. He would no longer be among the traders, whose account equity lay deep down, caressing the dark depths of the Pacific Ocean.

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Make Money While You Sleep – Here Is The How To

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Steve Harvey, famous comedian and host of the show Family Feud, said it the best. He said that some people make vertical money and some people make horizontal money. To elaborate on what he meant; Horizontal money is money you make sleeping and vertical money is money you make standing up at your job. America is a phenomenal nation, and this nation awards people like you and me the opportunity to make money while doing virtually nothing. As entrepreneurs, we can put ourselves in position to build our own brand from scratch and employ people to do the work for us while we collect the biggest check.

Donald Trump and other billionaires around the world mastered the complex technique of making horizontal money. For example, Since Donald trump has been president, he spends a lot of time in my state which is Florida. The reason he spends a lot of time in Florida is because he owns the Mar-A-Lago estate. The Mar-A-Lago estate is beautiful and has an amazing gulf course, pool and other beautiful amenities.

To keep the estate in great shape, Trump employs maids, butlers, chefs, bathroom attendants, valets and other positions. He also rents his estate to wealthy people. He makes a lot of money on that home by sharing it with people who can afford to stay at that particular estate.

Donald Trump does not want to clean and cook for every guest, so he employs people to do the work for him. So while his employees cook, clean and take care of the guest, he can sleep and wait for the guest to pay him later when they leave.

Now how can you make money while you sleep?

The answer to that is very simple. Millions of people are building their brand and tripling their worth in months by working in their pajamas. What I am talking about is working from home. You can accomplish this by joining a home business opportunity.

The great thing about joining a home business opportunity is you do not have to worry about renting out a building or other bills that come with having an office or building.

Here is how it works –

Depending on the opportunity you join, you will be responsible for selling different types of products or services to the public. In one opportunity you may sell diet and weight loss products and in another you may sell cell phone and home security services.

You will usually get paid every month depending on how much product or service you were able to sell.

If you do research, you can pick the types of opportunities you want to join and when you start selling you will make money while you sleep.

For more information on how you can make money while you sleep, check out Make Money While Sleeping

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