text:
Although each MLM company dictates its own specific financial compensation plan for the payout of any earnings to their respective participants, the common feature that is found across all MLMs is that the compensation plans theoretically pay out to participants only from two potential revenue streams. The first is paid out from commissions of sales made by the participants directly to their own retail customers. The second is paid out from commissions based upon the sales made by other distributors below the participant who have recruited those other participants into the MLM; in the organizational hierarchy of MLMs, these participants are referred to as one's down line distributors.[5]
"Understand the Law of Process. Understand the graph and relationship between work and results. Know that your first year, two, or three you may feel as if you are working much more than gaining. No need to quit or change, keep at it with utmost power and perseverance and know that the time will definitely come where the results will begin to outweigh the time invested. Patience should be an ally, not a foe." - Dr. Luis Arriaza
First of all, Avon "has" been. Second, Avon really needs to work on their appeal to a younger generation. Third, Avon makes it difficult for representatives to make any money unless you are purchasing a ton of catalogs and knocking on doors. The company really needs to allow representatives to advertise online, and I don't mean spamming friends on a Facebook or Twitter feed.
Most prospective clients are going to be found online because they are searching for related information and will make the purchase right away. These are the prospects that should be the main focus of any campaign that is being set-up by yourself in order to garner interest. The online world is where the most accessible market is and you are able to work 24/7 without even having to sit on the computer physically.
In Network Marketing you have to get eyeballs on your presentation, whatever that looks like. It could be a DVD, online video, home meeting, sizzle call, etc. You simply have to ask people to check out the tool to see if it is something that have openness to. Every other aspect of network marketing training is really to keep you doing just that and trainers understand all the mental garbage that goes along with rejection and having people tell you no. I think everyone should experience a super high rejection job prior to coming into network marketing to prepare them. Let me explain…
If you haven't already done so, take advantage of the free content publishing feature on LinkedIn called Publisher. It can increase your exposure to your target audience and help build your credibility as an expert in your industry. In fact, LinkedIn Publisher can greatly expand the reach of your business on LinkedIn, regardless of your network's size.
86. You need to learn this: People do NOT care about your MLM Success, it is ALL ABOUT THEIR Potential Success. Yes, you need a good personal testimonial, but down play it and make your Success a STRONG possibility for your prospect or new leader, and then show them that you will work hard to help them achieve it. It is NOT about You, but all about THEM. If an ego needs stroking, stroke their ego, not yours.
Actually, it really doesnt matter when you join a company. It all depends on the person deciding to jump in and work it as a real business. That means sharing your love of the products and showing up daily. You are compensated for your efforts if you should decide to build a team. You inspire, motivate, and lead others while working on your own business. In my experience, it's extremely rewarding to know you have a opportunity or as i see it as a gift that is going to help someone.
LawTrades' lawyers connect via text message to answer clients' pressing legal questions. Attorneys answer questions pertaining to business formation, immigration, trademarks & copyright, website agreements, contract review, patent, fundraising and personal legal. Make money right from your iPhone. If you enter "Save50" you will save $50 off your first purchase.
On Social Media, reach out to 1-5 people each day and send them a message that makes them feel good. You can leave them a nice comment that genuinely makes them feel good. I will add, this is NOT the time to share any Call To Action or business links. This is only a message to compliment or leave them feeling really good. (Commit to doing this for 30 days, heck – let's do a Year!) What this does over time, is it creates a community of people that think you're Awesome and if you have a ton of people who are following you and think you Rock, the more people that will interested in what it is you're doing.
IF you are serious about how to do network marketing and you are interested in learning how to use the Internet to become a top earner and possibly brand yourself, just a heads up that our Early bird ticket pricing for Top Earner Academy ends in less than 48 hours. Click Here to see all the details, dates and speakers. This is our annual event where we teach people how to build their brand, build their business and use the Internet to get serious results.
With SpareHire, you can browse project opportunities privately, so companies will not see your contact information until the final stage of the matching process. Work with your client to finalize any budget and logistical details, complete the assignment, and close out the project using the Project Tracker. Get paid via direct deposit, and rate your client based on your experience. SpareHire takes 25% from the total project value as a service fee.
People today are too sharp to be hyped. Hype comes from the head, and mouth. Hope comes from the Heart and emotions. Don't hype someone, as you will come across like a huckster. Be sincere, come from the heart, and talk to them about the Hope your company and products offer them, not getting rich. You can cover that part later, sincerely and heartfelt, when they have decided that your offer is worth listening to.
Excellent tips John…. Though many are interested to step into network marketing industry, false perception given by those who failed in this industry push them, back. But am sure this post will educate them and get many into this industry.. All points are exceptional and true especially third one "Network Marketers Do NOT Chase Family and Friends"…Keep up the great work
So to make it possible, you structured a kind of "payplan" or ways how you are going to pay your neigbors and relatives based on the number of people they've brought in or the group sales they've made. And by applying some MLM principle, you were able to plot a system that traces all sales from person to person down the line. Therefore, giving credit and commission also to the first person who initiated the effort.
Founded by and for college football fans, Rent Like a Champion is the website for weekend rentals in college football towns around the country. List your property for free and set your custom price. Rent Like A Champion charges a 15% commission fee, which includes contracts, payments, and marketing, and there is a standard 2.9% credit card fee charged by the credit card processing company.
They're sliding, though. Revenue is falling in North America and their sales force is shrinking. Revenue slid 19% in 2013 and 7% in Mexico. Skip ahead to July 2015 and revenue is still spiraling downward, with a 17% drop (5). Analysts blame Avon's failure to maintain a strong identity for its products as well as the strong dollar. Lesson: Always re-create yourself.
People today want to be understood. They wan to feel like they matter. And the greatest 2 words you can say, are "I understand." Agree with them in part, by jumping over to their side of the fence, and seeing it from their perspective. You may not totally agree with their view, but you can understand it, and that will go a long way to connecting you to that prospect. Understand first, then take a stand second, with that in mind.
The FTC's case against BurnLounge provides an example. BurnLounge argued that its participants bought product packages consisting of sales websites and music-related merchandise because they wanted to use the merchandise. When BurnLounge's product packages were untied from the business opportunity, however, monthly sales of these packages plummeted by almost 98 percent. At most, actual demand was responsible for only a small minority of package sales, and BurnLounge was found to have an unfair or deceptive compensation structure.
Any readers on this page who haven't gotten started, I encourage you to find a company and get going. I'm partial to mine, but Charles is in a great company as well. If you're not familiar with him, I can tell you that even though we are in different companies he is truly a leader with an abundance mindset. He's always been supportive of me from the beginning and willing to add value to my life.
Français: devenir pro du marketing en réseau, Español: tener éxito en las redes de mercadeo, Deutsch: Im Network Marketing erfolgreich werden, Português: Alcançar o Sucesso com Marketing Multinível, Italiano: Avere Successo nel Network Marketing, 中文: 成功进行网络营销, Русский: преуспеть в сетевом маркетинге, Nederlands: Succesvol zijn in netwerkmarketing, Bahasa Indonesia: Sukses Di Pemasaran Jaringan, العربية: النجاح في مجال التسويق الشبكي, Tiếng Việt: Thành công trong việc kinh doanh theo mạng, ไทย: ประสบความสำเร็จในการตลาดแบบเครือข่าย
"I wouldn't be where I am today without the knowledge I gained from [Michael's] live events and training CDs. Two MUST-HAVE [programs] in your CD library should be 'The Total Success Pack' and 'Building a Better Life.' I've listened so many times I've lost count. PRICELESS information for your journey to success in business and in life… 'Easy to do. Easy not to do' The choice is yours."
MLMs are also criticized for being unable to fulfill their promises for the majority of participants due to basic conflicts with Western cultural norms.[57] There are even claims that the success rate for breaking even or even making money are far worse than other types of businesses:[58] "The vast majority of MLMs are recruiting MLMs, in which participants must recruit aggressively to profit. Based on available data from the companies themselves, the loss rate for recruiting MLMs is approximately 99.9%; i.e., 99.9% of participants lose money after subtracting all expenses, including purchases from the company."[58] In part, this is because encouraging recruits to further "recruit people to compete with [them]"[4] leads to "market saturation."[22] It has also been claimed "(b)y its very nature, MLM is completely devoid of any scientific foundations."[59]
Not only are "home businesses" or "MLM's" very interesting, they are successful. Many of the longest standing organizations in this country have this business model. MLM is a marketing strategy in which the sales force is compensated not only for sales they personally generate, but also for the sales of others they recruit, creating a downline of distributors and a hierarchy of multiple levels of compensation. Most commonly, the salespeople are expected to sell products directly to consumers by means of relationship referrals and word of mouth marketing. Sounds legit right – so why the bad press?
One of the best skincare products in and outside of MLM, no doubt. They were founded by a couple dermatologists, and they used to be an upscale department store brand before entering the world of network marketing. Rodan and Fields created Proactiv, which ended up being one of the most famous skincare products of all time (and a hero-in-a-bottle for every middle schooler who's ever been called pizza-face). Just this one product line is nearing $1 billion in annual sales.
MLM is basically a Multi-Level Marketing. It is a kind of marketing structure where the product or service flows on Word of Mouth publicity and most of the companies avoid advertisements when following such structure. Advertisements requires a huge some of money which in turn raises the cost of the product but there's no change in quality whereas the amount which was supposed to be paid to the advertisers and middle men or distribution channel is distributed among the distributors of the company.
Yes, with Network Marketing or MLM, you will earn from everybody's effort down the line into an infinite extent. This means that your outcome, being alone, as a single human being, who has a limited capability within the 24 hours period (the only time avialable to all of us), will not be confined within the limit of your own limitations, but by the potentials of unlimited extent of people, whom you no longer know and care about, who are all doing their stuff everyday for their own benefit.
Your network marketing story, on the other hand, should be the full explanation as to why you are doing what you are doing in the first place. It should tell people who you are (and how that qualifies you to do what you do), how you got started in your network marketing career, why you love what you do, and how your network marketing career has changed your life.
Now we're getting into the real heavyweights. Tecademics is one of the most extensive digital marketing training programs out there, within and outside of MLM. Founder Chris Record started Tecademics after completely crushing it at Empower Network. Their training comes at a steep price tag, although it's nothing compared to the price of a university degree.
Eric Worre has been a leader in the Network Marketing profession for 28 years. Although he's now retired from being a distributor and focused exclusively on Network Marketing Pro, his career has given him a broad range of experience. He's been a top field producer, building sales organizations totaling over 500,000 distributors in more than 60 countries; the President of a $200 million Network Marketing company; a co-founder and president of his own company, TPN- The Peoples Network; and a high-level marketing consultant to the Network Marketing profession. Eric is the author of the international bestselling book Go Pro – 7 Steps to Becoming a Network Marketing Professional, which has sold over 1,500,000 copies and has become a "must-read" for anyone who is serious about building their network marketing business. Tell me more
Even, the hard core Amish don't 'cut off' friends and family who choose to not fully live their life in the inner circle of the faithful in their community. If the concept is that basic it stands to reason that as a parody—'resistance isn't futile'—and cutting off all the circles of influence who don't join your inner circle of twenty to 'reach diamond' is: And just uncouth at that. So, "no one is a prophet in their own country": Go out and look for like-minded people to expand that circle without dressing up in business clothes at 5 a.m. on a Saturday morning to head to the cult like MLM "Ra! Ra! Session." Real friends and family are hard to come by. Grow your marketing network without burning the people who care about you most. And get solid like-minded leads without getting up earlier than any sane Adventist would on a Saturday.
As stated in the Business Opportunity Rule's Statement of Basis and Purpose, the Commission crafted the Rule to avoid broadly sweeping in MLMs. It did so by tailoring the definition of business opportunity to exclude certain types of business assistance common to MLMs. 76 Fed. Reg. 76816, 76824 (Dec. 8, 2011). It is important to note, however, that the Rule does not explicitly exempt MLMs from coverage. As with any other business entity, the determination whether an MLM would be a business opportunity to which the Rule applies would have to be made on a case-by-case basis.
The FTC's case against BurnLounge provides an example. BurnLounge argued that its participants bought product packages consisting of sales websites and music-related merchandise because they wanted to use the merchandise. When BurnLounge's product packages were untied from the business opportunity, however, monthly sales of these packages plummeted by almost 98 percent. At most, actual demand was responsible for only a small minority of package sales, and BurnLounge was found to have an unfair or deceptive compensation structure.
Sailo is a peer-to-peer boat rental marketplace that connects boat owners, captains and renters on one online platform. If you're a boat owner, list your boat out for rent and easily cover the costs of ownership. Or, if you're a captain, offer your services, accept clients and get out on the water, thereby helping you to build your reputation and your business.
Who wants to get fit, look younger, and lose weight? Jeunesse, meet your global target market: everyone. With their crazy sales numbers, I wouldn't be surprised if they are selling to just about everyone in the world. Jeunesse routinely make the list for the top 20 MLMs in the world, and they're doing about $1.4 billion in annual revenue. Not only are you selling a very well-trusted product, but the sign up cost is also one of the lowest out there ($30).
I've heard all the arguments. "How can it be a pyramid scheme if it's legal?" Through some crafty loopholes. The fact that there is an actual product to sell allows them to operate and give the appearance of legitimacy. "You just haven't found a good MLM yet." Wrong. A good MLM is an oxymoron. "But how is this any different from any other major corporation where the CEO makes the most money?" Because the people below the CEO at legit companies get paid salaries and have actual benefits. They don't depend on endless chains of recruiting new members.
In just 30 years, Melaleuca has grown from a little startup in rural Idaho to a billion-dollar enterprise doing business in 19 countries around the globe. It has become one of the largest catalog and online wellness retailers in North America. And it is the largest manufacturer of consumer packaged goods in the Northwest. Today, more than a million customers shop with Melaleuca every month.
"Inventory loading" is a term that may be used to describe a participant's wholesale product purchases that are made in an attempt to advance in the marketing program, rather than made to satisfy actual consumer demand in the marketplace for those products. Just as MLMs involve a variety of structures and products, payments that participants make to advance in the marketing program rather than to purchase product to satisfy actual consumer demand can take many forms, such as expenditures to purchase inventory.
This one is a little sensitive so you should take it very seriously. Ask the family and friends of most budding network marketers, and they will tell you that it is annoying how they're always trying If you keep doing this long enough, it will eventually cost you your friends and get you no more invitations to family gatherings. Of course, there's no problem with telling your family and friends about what you're doing and gauging their interest. However, if they're not interested, don't push it.
The first thing you need to do is protect yourself from pyramid schemes masquerading as MLM ventures. You should arm yourself with knowledge about the direct sales industry and MLM companies in general. Moreover, you need to vet your sponsor to find out if they're a good match for you. Yes, you can make money in MLM. However, the statistics show that less than 1 percent of MLM representatives actually achieve success in their MLM business. That doesn't necessarily mean that MLM businesses are broken. Just look at the world of athletics for example. Most athletes never make it to the Olympics. Does that mean that the Olympics are broken?
It is only the best mlm leads companies that can facilitate the best process to grow your business. It should be able to adjust to your times and provide you with an interface that can help you reach your goals. A company that can help you built your name, reach more customers within a short period of time could help move your business to the next level.
Hi Jeimy. Fuxion is an excellent company. Fuxion is a Peruvian company that is spread in 12 countries, including the US. Randy Gage has decided to join Fuxion as a networker 2 weeks ago! Robert Kiyosaki and John Maxwell are current Fuxion's advisors. Fuxion's nutraceutical products are made of fruits and vegetables from the Amazon region, Andean region, Central America and Asia. The company is in its best moment. So I recommend you to join us!
For example, I save the comments I write in my email drafts folder and I use the subject line as a label for the topic. After I've saved the drafts, I can come back and turn these comments into blog posts. I can even make the comment itself the blog post. After all, it's still my writing. (Check out Meddle, which makes this whole process easy and allows you to share/syndicate your comments to your social platforms with a few easy clicks.)
My network marketing Leads are the best way to follow the golden proverb that somebody must have dropped coming down the mountain, because when it fell, it hit so hard that everyone doesn't think twice about it just being plan common sense. And I don't know why it isn't folded into every California cookie because it is the best way to gain a fortune. This proverb that needs much repeating is "Work smarter, not harder."
If 18,000,000 Americans consider MLM their careers, yet only 0.3% actually succeed beyond average corporate America wages, do people realize that means there are barely more than 50,000 Americans "living the MLM dream" and almost 17,950,000 who just help the 50,000? Sad. I was part of team Tupperware decades ago because I wanted to buy Tupperware for my home for less. It took me about 14 months as a stay at home mother (never recruited, never pressured, my distributor didn't like my attitude) to accomplish that task and then walked away. I live in rural America where so many fall to MLMs attempting to climb out of paycheck to paycheck living (very few good jobs) like the saved into a baptismal pool. "Disciples" is the perfect word. MLMs are just not thriving here. How many Americans can one recruit/sell to for building a business in a rural county with less than 20,000 other Americans of which 75% live below the poverty line? I see MLM victims everywhere.
One of the benefits of MLM is the ability to bring in new business builders and profit from the sales they make in their business. While some see this as "using" others, the reality is that you're being rewarded for helping others succeed. But for them to succeed, you need to see your role not as racking up as many recruits as possible, but in being a leader and trainer. The focus then is on the success of those you help in the business, not on you.
To be successful, you absolutely must branch out beyond friends and family. It's easy to start out there, but it will soon become a tapped market and you'll need to move on. Not to mention, you can easily put people off by trying to sell them the same products over and over. Learn how social media marketing works, study the best practices, and show up consistently.
Dolly is a moving service that utilizes two types of workers: "Helpers," who own a pickup truck, box truck, or cargo van and can lift up to 75 pounds, and "Hands," who can lift up to 75 pounds but don't own a moving-friendly vehicle. Average earnings are $30/hour, but plenty of Helpers and Hands earn more than that. Choose to perform only the work you want to do, and get paid weekly.
I don't care where doTERRA in ranked. The oils are good, but the company SUCKS. It is all built on big bloggers. Don't have a big blog – you're going to make pennies while others demand you make a minimum $100 a month order. The company itself has great customer service, but try to reach compliance or tell them that your uplines are making fake accounts or ordering off multiple people in the downline just to ensure they make bonuses and NO ONE listens. It's supposedly geared to help the underdog succeed – this is a gimmick.
At the most basic level, the law requires that an MLM pay compensation that is based on actual sales to real customers, rather than based on mere wholesale purchases or other payments by its participants. In evaluating MLM practices, the FTC, in accord with established case law, focuses on how the structure as a whole operates in practice, and considers factors including marketing representations, participant experiences, the compensation plan, and the incentives that the compensation structure creates. The assessment of an MLM's compensation structure is a fact-specific determination that the FTC makes after careful investigation.
What makes a riveting presentation? Get the prospect involved. Ask lot of questions. Let them answer. Let them hold the product if you are there. Let the audience raise their hands. Keep focused on engaging the prospect as you present. And tell a story about what the products have done, and make it emotional. Then ask them if they know anyone that they can relate to that story.
MLMs are designed to make profit for the owners/shareholders of the company, and a few individual participants at the top levels of the MLM pyramid of participants. According to the U.S. Federal Trade Commission (FTC), some MLM companies already constitute illegal pyramid schemes even by the narrower existing legislation, exploiting members of the organization.[21] There have been calls in various countries to broaden existing anti-pyramid scheme legislation to include MLMs, or to enact specific anti-MLM legislation to make all MLMs illegal in parallel to pyramid schemes, as has already been done in some jurisdictions.[citation needed]
Appreciate the hard work studying this… Im apart of the #1 company on there Advocare… have been for 7 years and one of the higher paid single guys in the nation… I just have to disagree with "over priced Products" comment. There is a mark up on every product in the world… Our products actually work which is why those endorsers you mentioned turn down high level incomes with other companies to endorse us for a stipend of products per month. Advocare has numerous people making a great profit and even more just enjoying a product they would pay double what they do for to feel the way they do. Success rate isnt low my friend… Its just the quit rate is through the roof. Highly recommend everyone seeing this and you sir to watch "Rise of the Entrepreneur" by Eric Worre on Itunes to get some serious facts about the MLM industry. Thanks for all the research and blessings!
One of the great attributes of successful entrepreneurs is having a big dream and grind them every day. Staying committing in spite of the adversities around. Think excessive and dream of massive success and goals. Have a bigger vision and a bigger game plan. Decide to be the fast mover and stronger and make up your mindset to recruit more and grow exponentially.
There are a few ways to use LinkedIn lead generation as an effective marketing tool. One way that people don't often think of is participating in LinkedIn answers. There is a section on LinkedIn where people ask industry-specific questions and get advice. As an industry insider, you have the knowledge that can help people with these questions. Through participating in a regular dialogue of advice-giving, you can establish yourself as a thought leader. Moreover, you can optimize use of this tool by pointing people to your online blog that gives more information about the subject. Make sure to send them to a blog with a call to action at the end!
I totally agree, Mary. You can lose soooo much more just by opening up a small storefront business. I was in the Spa Industry and then the economy tanked in late 2008. I did not renew my lease in 2009. Lost my several hundred thousand dollar build-out. Lost so much more than taking an MLM business seriously. Even if I would have front loaded on a ton of product, I still would have been better off. People spend $750 and get some business cards then do nothing and blame MLM.
I agree with you that much of the industry is flawed, but what about an MLM that has a service rather than a product such as electricity. It's not like that could go out of style or that once you buy it you don't need it again or that your monthly supply is too much and you're going to stop the monthly subscriptions. I can honestly say that I cannot stand most MLM companies because regardless what you believe or how much you like the product, if you have to try to convince someone else to use it then inevitably the system is flawed and eventually your residuals will dry up. Electricity though, that's different in my opinion, no one has to convince me to use it, it just comes by default. Find me an MLM that is not selling so much as showing someone an alternative to what they already have to pay and I'd be interested.
2. Show More People. Having a bad day? Show more people. Tires flat? Show more people. Not feeling good about your current results? Show more people. Spouse doesn't believe in you? Show more people. SMP, SMP, SMP, SMP will pull you out of ANY funk, help you with ANY circumstance and is the ONLY way to actually change your results. Keep in mind it is your habits that created your results so change those habits and…SHOW MORE PEOPLE!
I saw that you know of reliable sources of web traffic. I am ready to spend money to get good results. So can you tell me what are the best services for high quality traffic? I would like to build large downline in some MLM programs (Go Fun Rewards, Savings Highway, Penny60pro and some other programs) I went through several techniques but I still can not build large downline . Can help me by giving me some information?
The main website a lot of people use when they are online is social media. These websites are where you can sit there and talk to anyone around the world that you know, and chances are that most people you know have an account on these kinds of things. You'll want to make sure you do some looking into making a business account, because marketing through your personal profile may not do so well for you. Social media sites are free to use, but they also have ways you can pay for ads that go out to people.
Hey Erica, I'm a doterra gal also. Just over 3 years ago I just wanted to see if these hippie oils really worked from there I couldn't keep my mouth shut and I share with whomever will listen. I recently read this in the leadership magazine and I love it. "An oil for every household, a drop to change a life". That is my goal. I never plan to get rich off my sharing but if I can change a life, help someone along the way it will be worth my time.
Now we're getting into the real heavyweights. Tecademics is one of the most extensive digital marketing training programs out there, within and outside of MLM. Founder Chris Record started Tecademics after completely crushing it at Empower Network. Their training comes at a steep price tag, although it's nothing compared to the price of a university degree.


text:
It wasn't easy pretending not to notice. Isobel reminded Hamish
of Wee Jock in a way - always following him around,
dependable, big-eyed. It probably would have been easy to tell her he wasn't
interested - but to do that he'd have to actually acknowledge he'd
noticed her noticing. It was quite fortunate she thought he was
still in love with Alexandra Maclean.
Isobel was an excellent reporter by Lochdubh standards, but quite
obviously she was never going to make it to investigative journalist
standards. She couldn't even see spot something that
was right in front of her.
Doc passed the pipe to Hamish and grinned sleepily.
"So are you thinking of telling the lass soon Hamish? You
don't think it's a bit cruel of you to let her go on mooning about
over you?"
Hamish looked shocked. To be accused of being cruel - he `d
always thought of himself as a kind and gentle man.
"Are you talking about Isobel?"
"Ah. You catch on quickly Hamish - must be all the fine detective
work you do!"
Hamish smiled wryly, "You'd better watch it. I'm not always this
mellow you know - I could quite easily take offence."
"I know Hamish, I know. Like a coiled spring."
Hamish laughed in spite of himself. "What makes you think Isobel
cares one way or the other? She seems perfectly content.
Besides she's got ambition that lassie. Don't want to hold her back by
asking her to marry some stick-in-the-mud country policeman."
The Doc's grin widened. "Did I say anything about marrying
her? Honestly Hamish you take things too far sometimes. And
then again..."
"What do you mean?"
Doc shook his head languidly and lay back on the bench. The air in
the cell was getting a little chilly, Hamish thought.
The policeman leaned forward and rested his elbows on his knees.
What had brought this on? Isobel for god's sake - what had
she got to do with anything?
The young doctor had started to snore. Hamish assumed
he was sleeping. Ah well, a walk in the cool air might do him good,
help him clear his head and stuff.
"Morning Hamish - you're up early." TV John was digging a
"John it's 2.30am what on earth are you doing?"
"I would have thought that was quite obvious Hamish."
He went back to his hole.
"Why are you digging a hole John?" Hamish knew he would
regret asking.
"Ah - life's great mysteries," he said enigmatically.
Hamish sighed. There was no point prodding.
"Well good luck then." Hamish carried on walking.
Doc was still asleep - or feigning sleep - when Hamish
got back to the station. Hamish coughed loudly hoping to rouse him.
Doc immediately opened one eye and looked around.
"Was that some sort of attempt at getting my attention
"I knew you weren't asleep - why were you pretending?"
"What makes you think I was pretending?"
"Because you were trying to avoid saying something.
And I can't work out what it was," Hamish said.
Doc sat up and raised an eyebrow. "My Hamish, your
detective skills are working overtime tonight. No clues to guide you -
no strange lateral way to the truth?"
Hamish frowned. The usually pleasant companionship he
had with theDoc was being sorely strained. If he wanted to say
something why didn't he just come out and say it?
"Maybe now is a good time for you to go home. I'm sure
we both have to work early in the morning."
"No. I don't have any appointments till four in the
afternoon. And unless some sheep have been stolen or an unlikely
murder has occurred in the night I'm sure you are similarly unoccupied
tomorrow. Today rather."
"Why do you stay around here? All the places you could
be and you come to Lochdubh."
"What?" The doctor wasn't expecting this.
"I mean I know it's quiet around here and the police force is
very relaxed about certain minor crimes," Hamish smiled as
he glanced at the tobacco case sat next to Doc. "But surely you want
something else out of your life?"
"But what keeps you here Hamish?"
Hamish knew he could hardly say `the quiet life'. Lochdubh
seemed to have more criminal activity than Glasgow some weeks.
His face flickered as he tried to find a credible explanation.
"Could it be the people Hamish? Could it be the admirable
"Well yes of course. Everyone here is so friendly."
"Anyone in particular keep you here though?"
"I asked you the question first," Hamish said irritably.
"Well we all know Alexandra couldn't drag you away to
the big city, and Isobel is bound to be picked up by some big daily
fairly soon. TV John - well I know there's some affection there
between you two but is it enough to make you stay here? It's not me is it?"
"It's not you what?" Play dumb, Hamish thought, it always
worked with Isobel.
"Ah. As I thought," Doc said sagely.
Hamish was looking gravely at his friend. He said
nothing. How did he let the situation get reversed? He was asking the
questions a few minutes ago and now...
"Because Hamish I was wondering if the same thing that
keeps you here is what keeps me here," Doc smiled and relit the pipe.
Hamish sat down. He'd become a master of holding his
emotions in check over the years. It had got to the stage where he
thought nobody would suspect him of any sort of singular affection.
"How long have you known?" Hamish asked quietly.
"Didn't know. Just wondered. Didn't want to say
anything till I knew you were all right with it."
Hamish laughed. "Oh right - a trap!"
"I wouldn't say that," Doc said passing the pipe to
"So shall we just carry on as we were -pretend none of
this was said?" Hamish asked.
Doc appeared to give the matter some thought. "No," he
said eventually, "I don't think that's a good idea at all."
Hamish nodded. "No I didn't think you would."
"So is the station all locked up snugly?"
"Of course."
"Well that's all right then." Doc leaned over to press
his nose against Hamish's, grabbing the back of his head
tightly. Hamish's eyes met his briefly then the policeman looked down.
"This won't change things between us will it?" Hamish asked.
"Well of course it will!" Doc said.
"Well that's all right then," Hamish said.
End (maybe)
[BritSlash Contents Page]
[BritSlash Fiction Archive]

subset: commoncrawl


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Mortgage Q&A
Here is an unedited conversation with Daryl Marsden from Canada Mortgage Direct about recent changes to mortgage rules in Canada...
Mortgage Q&A Blog Transcription
Hey There! Rob Reynar here, checking in. Just wanted to go over the recent mortgage changes that the Federal Government has announced. I think these are good changes. I think they make a very conservative banking system. A little more conservative which is not such a bad thing after all it was our banking system that really saved our bacon in the light of the global economic crisis that hit us last year but if you look at what's happened in the US because of lack of regulation intheir banking system, it really was a free for all and now they're paying the penalty for that. In Canada things were a lot different and we got away with a lot of stuff that the Americans didn't. So the reason changes I think are along those lines, I don't really think it's gonna affect the overall real estate market that much. I think the Mom and Pop investors who wanna maybe put five or ten thousand down and go buy duplexes or rental or that really changes things for them with the change in 20% down for investment. But other than that I don't think there's a really significant change for people and I don't think the real estate market's really going to miss a beat. I really sat down with Daryl Marsden of Canda Mortgage Direct and I had a little Q and A with him about these mortgage changes and the effect of the markets. It's about 9 minutes long, it's an interesting question and answer, I encourage you to watch and learn a little bit about the recent mortgage changes. Will talk to you soon.
Rob: If you are able to say to a client, "you know what Mr. and Mrs. Buyer, we couldn't get you approved in the 5-year but we got you approved on the 3-year, let's proceed." What percentage of the population that you see coming to get mortgages will now be affected by that not being able to happen anymore?
Daryl Marsden: I think that's gonna be a small percentage to be honest with you. Most of my pre-qualifications always been done in the 5-year rate because I deal with some of the bigger broker only divisions of the banks and it's always been a situation that we've always used the 5-year fully discounted 5-year rate as our qualification. Very few clients have I done a 3-year rate. A lot of clients will choose to with the 3-year or short term or very low rate mortgage but we're still qualifying on the higher rate and I did that for a safety precaution for clients not jut, even though the clients may or may not have known that they could get qualified on a 3-year, I did it on the 5-year. Makes the bank more comfortable, makes me more comfortable and it definitely is gonna make them look a lot more comfortable.
Rob: So when we look at the banking industry across Canada, that I would predict the only reason they did is 'cause a lot of people were getting approved on the lower terms and sort of getting around a proper true qualification. I mean that would be only the reason they would go down this road.
Daryl Marsden: Yeah, I think it was a case that there were some people that were getting, first time home buyers that were getting qualified on the 3-year rate and the banks were squeaking those tight deals in and the reality is Flaherty doesn't want to have a situation down in the United States happen where there wont be any equity left in these house or the people are really tight on their budget and they shouldn't be buying the house in the first place and He's trying to avoid that whether or not He's methods are correct, it's up in the air for people to judge. I believe that you're probably better to be safe and more conservative when it comes down to taking care of your clients' need 'cause you'll never know what's gonna happen in the future.
Rob: I would think this would make even a conservative banking system even more conservative.
Daryl Marsden: Absolutely, Yup.
Rob: I mean you really have to have your ducks in a row to get a mortgage now.
Daryl Marsden: Yeah, you gotta, you gotta be able to qualify on that 5-year rate. I believe that's a good thing, that the government's come out and done something good.
Rob: So qualifying on the 5-year coming up but they didn't touch down payments.
Daryl Marsden: No.
Rob: So you can still do a 5% down
Daryl Marsden: Yes
Rob: On a 5-year fixed
Daryl Marsden: Yes
Rob: When this all unfolds.
Daryl Marsden: Yeah there has been no change to down payment regulations nor have they changed the amortization situation. You're still allowed up to as high as a 35-year amortization.
Rob: Right.
Daryl Marsden: So that still allows that as first time home buyers in today's market a chance to get into the market.
Rob: So how do you think the, how will the bank, how will the banks adapt to this change? Because we see historically when there's changes in mortgage, products we went "okay no more zero down, no more 40-year AM, no more 100% financing, the banks come up with products that are innovative that still allow those people to be approved that might have traditionally gone for those discount products. With this change, it seems to be more bank-driven, so will there be innovative products that come to replace this or is it just something that you can't get around now?
Daryl Marsden: I don't think you're gonna be able to get around this, this isn't one of those ones where you can create a product that's going to able to do that because basically, the rules are gonna say you must use a 5-year fixed rate to qualify clients from this day forth and that's you know this isn't a brand new thing with the banks. See there are a lot of the bank already adapt or adopted this process and then they've said we are going to use the 5-year fixed rate for qualification anyway. There's only a few out there that were actually doing the 3-year. You could choose whatever product you wanted but they were still qualifying you, whether you do it or not they were qualifying you on the 5-year.
Rob: Okay, the second change that was the...
Daryl Marsden: 90% refinancing
Rob: 90% refinancing, refinancing has become very popular in the last few years, there's lots of radio ads, "Hey if you've got equity in your house, we'll give you a mortgage". That does change that product a little bit.
Daryl Marsden: That's probably one of the bigger features of the budget that came out, of these new rules. That's the more painful ones that the Canadian consumer is gonna deal with. Simply because a lot of consumers have been going all the way to 95% and in some case it was 100% refinancing and that was one of the main reasons they've put this rule in place is because they didn't want people to go up to 95% and then if the markets goes down, then they would suffer to having no left equity on the house. So that's a rule that have put in place and have been talked about for many months since last November when we were back in our conference. It was a situation that the 90% refinancing rule was probably gonna be a good one and even the brokerage community and the banking community think that's a good idea. To keep some sort of equity position in a house is a good things. So the 90% rule may not work for well people that have you know gone out and spent all their money on credit cards and now wanna pay them all off, you still have ta little time to do that up until April 19th but even the banks. Usually when these rules are announced the banks quickly adopt them before the deadline. So you'll probably see the banks are gonna start adopting to all of these new changes immediately.
They'll put them in place and send out announcements over the next few days.
Rob: So, in a way it's a little bit of a preventative, I don't think the Government nor the banks feel our economy is bad or the real estate market is going in the tank, they're in my mind a little bit of preventative medicine in case there's some storm clouds ahead.
Daryl Marsden: Yeah I think they have been doing that since last October when they initiated the 40-year amortization no more 100% financing. I mean, don't forget the Canadian Banking System is probably the best banking system in the world. Many of the, during this last recession many of the countries around the world have started adopting some of the rules and even the United States came out that they're Finance Department came out just of last month and stated that they believe that we that the United States should adopt some of the same rules and regulations that the Canadian System has. So we've always been known to be conservative and now this just makes us a little bit safer so that there's no chance that we can ever get into a situation like the United States.
Rob: Right, investors, investors were in my mind from a real estate agent perspective, investors were one of the big reasons '07 happened. The summer, that craziness because there was a lot of speculation going on, zero down, 40-year AMs, lots of speculation. The true revenue property investor is maybe gonna be a little more rare coming up.
Daryl Marsden: Yes, I mean the other issue that back in 2007, people were allowed to put down you know $5,000 as a deposit, wait 2 years for the building to be built and then all of a sudden they would come up with the rest of the down payment. In hopes, many of these people were hoping that they would never take possession of the property. The were putting down a $5000-deposit or $10000, hold the unit it came up time for sale, they would take possession of the unit and then sell if off to somebody else and in some cases they would sign over their rights to that unit even thought a lot of the builders didn't like that. Now, that's not gonna be the case anymore. Now it's a case that there's no more low down payments, there's no more - you have to have 20% of the value of the property in order to buy a revenue property now.
Rob: I think that's gonna be significant for our market here in Calgary and area because with the median price as high as we have, we already know that revenue properties are not a $100,00, they're probably three almost four hundred thousand for a decent revenue property. That really changes the game for revenue real estate.
Daryl Marsden: I think it's gonna, I think you're gonna see that's gonna a big situation with the revenue properties is that a lot of these little speculators that were refinancing their house to get five and ten percent down payments together are no longer gonna be able to do that and in some ways that's gonna be a good thing for the market. It's gonna cut out some of that speculation that's been taking place and some of the - there's some very nasty stories out there of people that have been part of these condo organizations where they put down a 5%, waited a couple of years to three years for the apartment to be built then suddenly it's time for possession and the value of the apartment is down a hundred and fifty thousand dollars and they have to come up with that money and they've lost their down payment, they've lost their deposits and now they're being sued for the fact that they didn't complete the contract. So this is gonna take that type of group out of the market.
Rob: Yeah, I think the Mom and Pop investors are probably gonna be a pretty rare breed right now
Daryl Marsden: I agree.
Rob: Which is porbably not a bad thing.
Daryl Marsden: No.
Rob: So out o the three changes, that have happened I'm getting the sense that you feel all three of those changes are pretty positive not just for the mortgage industry but for the real estate industry.
Daryl Marsden: I believe so, I believe it's a lot less dramatic that what we've been expecting and some of the bad rumors have been that they're gonna be reducing the amortization, they were gonna up the down payments. Those things never appeared so it's a situation that we believe, what's happening with the rules that have been brought in, none of them are going to be dramatically changing the market place that for sure. The only ones that kinda hurt are the last two, that's the 90% refinancing rule and the higher down payment when if you're buying an investment property.
Rob: Those are the nice to haves not the need to haves.
Daryl Marsden: Exactly, yup I think it's a good system and I think it's gonna help the economy as well so.
Rob: Very good! Okay. Thank you Daryl.
Daryl Marsden: No Problem.
This is a transcription of the latest Video Blog from MorrisReynar.com . If for any reason there is a discrepancy between this text and the Video Blog, the Blog is deemed accurate.


text:
Can I still make pension contributions after retiring?
Am I still able to pay into a pension if I am already retired? Are there still tax benefits of doing so? I have been retired some time and have excess income and was wondering whether there was any benefit to putting this back into a pension?
Answered by Neil Adams
Yes, you can continue to pay into your pension if you have stopped work, or if you have ceased full-time work and are now only working part-time.
You're still eligible for tax relief on your pension contributions as long as you're under 75, so if you're a basic rate taxpayer you'll get 20p in tax relief for every pound you make in pension contributions. As a higher rate taxpayer this rises to 40p in tax for every pound you pay in and to 45p if you pay tax at the 45% additional rate.
If you're retired and a non-earner, you can still receive 20% tax relief even if you don't pay tax. In this case, the most you can pay into your pension is £3,600 per tax year, made up of your contributions of £2,880 and the taxman's contribution of £720.
The money purchase annual allowance (MPAA)
However, keep in mind that if you're already drawing on your pension and wish to continue paying into a defined contribution pension, you face a reduced annual allowance of £4,000.
Known as the money purchase annual allowance or defined contribution annual allowance, this applies if you're already taking flexible income from your pension scheme, such as a lump sum (e.g. an uncrystallised funds pension lump sum or UFPLS) or through income drawdown.
The reduced annual allowance kicks in if you've taken more than the 25% tax-free pension commencement lump sum (PCLS) and permits a maximum annual pension payment into your pension of £4,000, including any contributions from third parties.
The introduction of the money purchase annual allowance was to prevent the 'recycling' or pension income back into pension schemes for additional tax benefits.
Need pensions advice?
If you would like pensions advice before making any pension contributions feel free to call us on 02084327333. We can discuss your position with you to ensure you're making pension contributions after retirement in the most tax-efficient way possible.
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Sub Panel Wiring Diagram Best Of Sub Panel Wiring Diagram Awesome Sub Panel Wiring Diagram Inspiration This Garage U Electrical Sub Panel Wiring Diagram Is This Garage Electric Brewery Wiring Diagram #3215
Doing electrical wiring by your self is often difficult. This is often in particular so once you lack the understanding along with the expertise in electrical things. The thing is you can not do a demo and mistake technique when dealing with electrical wiring. Issues could expense you a fortune as well as your lifetime. That is certainly why before setting up any do-it-yourself electrical repair, you need to talk to some electrical wiring queries simply to be sure you are aware of what you are executing. One thing about electrical wiring is the fact that wires are frequently shade coded. So, it truly is really less difficult to be aware of which ones go together with which. Down below tend to be the most commonly encountered electrical wiring issues whose responses usually contain colours to help you identify each and every specific wire. - Electric Motor Capacitor Wiring Diagram
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How do You Wire a Switch?
One of probably the most common electrical wiring concerns is regarding how to wire a swap. Whilst utilizing switches in your own home is fairly straightforward, wiring a single may well not be that quick for everyone. An ON-OFF switch is actually quite simple to wire. You can find several types of switches, but for this instance, let's say you will be setting up a single-pole toggle switch, an incredibly widespread change (as well as the most straightforward).
You'll find a few colours of wires in a regular single-pole toggle switch: black, white, and environmentally friendly. Splice the black wire in two and hook up them within the terminal screws - one particular on top and the other over the bottom screw from the switch. The white wire serves to be a supply of uninterrupted power and is also generally connected to the mild coloured terminal screw (e.g., silver). Join the environmentally friendly wire on the ground screw of your respective swap.
These ways would commonly be ample to produce a standard switch perform without a problem. Nonetheless, in case you are not self-confident that you just can execute the task adequately and safely and securely you better permit the professionals get it done as a substitute. Just after all, you will find a rationale why this process is amongst the most common electrical wiring concerns questioned by most people.
How can You Wire a Ceiling Fan?
For a few rationale, how to wire a ceiling fan is likewise one among the most frequent electrical wiring queries. To simplify this undertaking, you should utilize one swap to get a single ceiling fan. To wire the admirer, it is just a issue of connecting the black wire with the ceiling fan into the black wire of your change. If there is a light, the blue wire needs to be related to your black wire in the swap at the same time.
How can You Substitute a Breaker and how Would you Add a Sub Panel?
Although lots of endeavor to perform these responsibilities themselves, many people are encouraged to rent an electrician rather. It really is a lot more complicated and thus perilous for most persons to test to interchange a breaker or incorporate a panel. To give you an notion about these kinds of popular electrical wiring thoughts, you would probably have to perform on the very hot electrical panel. For those who don't even understand what this suggests, that you are basically not equipped to accomplish the job by yourself. Even when you have to commit much more by selecting an experienced electrician, it is a lot safer and much more sensible to try and do this in its place. - Sub Panel Wiring Diagram Best Of Sub Panel Wiring Diagram Awesome Sub Panel Wiring Diagram Inspiration This Garage U Electrical Sub Panel Wiring Diagram Is This Garage Electric Brewery Wiring Diagram #3215
You'll find reasons why they're by far the most typically questioned electrical wiring concerns. A person, numerous consider it is really basic to accomplish, and two, they are the popular electrical duties at your house. But then you certainly must not put your basic safety in danger within your purpose to save cash. The stakes could even be a great deal bigger for those who make an effort to spend less and do an electrical wiring task without sufficient know-how or practical experience.
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Are you on the lookout for on-line science schooling resources to help educating K-12 science? It was rare to see to any individual thirty years outdated because as a result of ailments many people died earlier than the age of thirty. 2: Science has changed the individuals and their residing, life style, food habits, sleeping preparations, incomes strategies, the way in which of communication between folks and recreational actions.
Before beginning with the development, you will need to be aware that constructing a still may lead one to run-ins with the regulation which makes it important for one to be educated of the laws in a single's area and to dedicate the mission totally for scientific and academic functions.
Now it's a must to assist your baby discover a science mission that's attention-grabbing enough, creative and unusual, however but distinctive enough so that it'll not be like the other students …Read More


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Emerging Europe Faces Challenges, But Moody's View Not at Risk
Fifteen economies in Europe's eastern flank will likely retain their average sovereign credit ratings and growth will pick up this year, although it's likely to be subdued, Moody's Investors Service said Tuesday.
Even though the first wave of the global financial crisis in 2008-2009 dented credit quality in the region, its overall rating has remained within investment-grade territory, Moody's said in a report.
"The region remains exposed to the ongoing euro-area sovereign crisis and other external developments through the trade channel, which can pose some risk of contagion even for the economic performance of countries whose demand is mainly domestically driven," Moody's said.
The largest economies included in the report–Turkey, Poland and Romania–are among those that rely less on exports for their growth. Hungary, Slovenia and the Baltic States are most at risk to changes in demand coming from abroad.
"If acute, these adverse developments could add significant pressure on the balance sheet of national governments in the region," Moody's said.
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Category:Films about prejudice
Films about prejudice, an affective feeling towards a person or group member based solely on that person's group membership (tribal behavior). The word is often used to refer to preconceived, usually unfavourable, feelings towards people or a person because of their political affiliation, sex, gender, beliefs, values, social class, age, disability, religion, sexuality, race/ethnicity, language, nationality, beauty, occupation, education, criminality, sport team affiliation or other personal characteristics. In this case, it refers to a positive or negative evaluation of another person based on that person's perceived group membership..
This category has only the following subcategory.
- ► X-Men films (2 C, 18 P)
Pages in category "Films about prejudice"
The following 22 pages are in this category, out of 22 total. This list may not reflect recent changes (learn more).


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Beautiful ocean views and located across the street from bird sanctuary and lagoon and just steps to the beach! This 3 bedroom 2.5 bath custom home features a courtyard entrance with fountain providing a resort like setting, ideal for enjoying the ocean breeze with your favorite beverage. The main level features a living room with wood burning fireplace and french door access to the courtyard, a kitchenette, guest room with bath, laundry room, all with radiant heat. The upper level, resplendent with light, features an open floor plan with the kitchen featuring breakfast bar and Italian tile flooring opening to the dining area and living room featuring a gas fireplace and wood plank hickory floors and powder room. Double sliding glass doors from the living room access the upper deck providing great views. The master suite features a luxurious master bath with jetted tub surrounded by Greek marble, a sitting area with French door access to a private deck with spa. Outdoor shower and 2 car garage with ample room to store all of your beach toys. Ideal opportunity for a vacation home, potential to close off downstairs and have 2 separate units, or just live the beach life!
Single Family, 2 Story
San Luis Obispo
1 Full/1 Three-Qtr/1 Half
0.0689 Acres
2,202 sq. ft
Yes - 2 spaces
School Information
San Luis Coastal Unified
Detailed Room Information
- Rooms
- Family Room, Living Room
- Bedroom(s)
- Master Suite
- Laundry
- Hookups in Laundry Room
Interior Features
- Appliances
- Dishwasher, Gas Range/Cooktop, Microwave, Refrigerator
- Cooling
- None
- Heating
- Radiant, Forced Air.
- Fireplaces
- Family Room, Living Room, Gas Burning.
- Additional Interior Features
- Breakfast Bar
Exterior / Lot Features
- Parking
- 2 Garage Spaces. 2 Parking Spaces.
- Patio
- Balcony, Concrete, Covered, Deck
- Pool
- None
- Lot View
- Ocean, Peek-A-Boo View
- Zoning
Financial Considerations
School Rating Out of 10
|Public Schools
|Private Schools
Data Provided by GreatSchools.org
Walk Score measures the walkability of any address, Transit Score measures access to public transit on a scale of 1-100.
Walk Score
Transit Score
Active Market Trends
Source: MLS DATA
Median list price
Days On Market
Properties For Sale
Sold Market Trends
Source: MLS DATA
Median sold price
Sales-List Price
Properties sold
Median Sq. Ft. Price
Arrows indicate 90 day trend
Source: CRMLS - California Regional MLS


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Bt plug to rj wiring diagram images+
Telephone Plug Wiring Diagram.
By Rema Carpino
21 November, 2018 06:29:19
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When electricity was discovered scientists tried many experiments to find out which way the electricity was flowing around circuits. In those early days they found it was impossible to determine the direction of flow.
This flow of electricity is called conventional current and it is the direction of flow used throughout electronics.
With the switch open the circuit is broken - so electricity cannot flow and the lamp is off.
There are two ways of connecting components: Two lamps connected in series In series so that each component has the same current. The battery voltage is divided between the two lamps. Each lamp will have half the battery voltage if the lamps are identical.


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Silicone Wedding Ring/Band Men Women 4 5 Rings Pack
(Thanks to Norm Smaglik)
« Previous | Main | Next »
Silicone Wedding Ring/Band Men Women 4 5 Rings Pack
(Thanks to Norm Smaglik)
You can follow this conversation by subscribing to the comment feed for this post.
Now that you're gone, all that's left is a band of silicone just doesn't have the same "ring" to it.
I heard an unsubstantiated rumor that Apple is developing an app that will cause these rings to disintegrate from any distance. This will save all the fuss and bother of breaking up in person. Also Apple is developing a lawyer app to speed that matter up.
HA! But seriously these rings are use by police ad EMTS and firefighters because they breakaway and their rescuer wont lose a finger by getting the ring caught.
But HA anyway!
Specially made for guys with very small *cough* equipment...
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