business, money

How To Make Money With The Limu Company

What is The Limu Firm?

limuAfter hearing the story about Gary J. Raser, the founder of the Limu Firm, and how he discovered fucoidan within the limu moui, you possibly had some questions about it. And should you also knew about the mangosteen business XanGo and one of its founders Joe Morton, then you certainly understand that those stories aren’t just a coincidence. The fact is: if they have a terrific story to tell, some distributors locate it less complicated to sell merchandise. At the least, that’s how the old network advertising techniques operate and that is also the main cause why firms that reached a specific age still market place their products with such a romantic story. But it is not just a comparable story that Limu and XanGo have in widespread; the Limu compensation strategy is also really considerably a copy of the XanGo compensation plan. In the following evaluation I will point out what it really is that makes Limu, and of course also XanGo, a fantastic network advertising company to perform with.

Which Merchandise Is Limu Marketing and advertising?

As I mentioned above, the Limu Firm was founded by Gary J. Raser in 2003. The corporate markets three merchandise: Limu Original, Limu Lean and Limu Power. The flagship item is being named the “Limu Original”, which is a health drink with 83% pure Tongan limu mou. The “Limu Lean” is really a line of weight loss merchandise (divided in 3 distinct categories: a meal replacement shake, an appetite controller and digestive health cleanse) as well as the third product could be the “Blu Frog” (Limu Power) which is an power drink of fucoidan-rich limu moui extract. All of those merchandise are without a doubt of a top quality and by means of the years there has also been performed a lot of investigation on the health advantages of the limu moui. Merely put, in case you have a superb product to offer, you are already on the initial step of the achievement ladder. Let’s have a look at how it is possible to climb that ladder!

The Limu Compensation Strategy

Limu distributors can sign up at no cost and begin to make cash based on the “Limu Prosperity Plan”. With a maximum payout of 53% Limu offers its reps with an typical commission % . The Prosperity Program uses exactly the same rank descriptions and qualification requirements as XanGo, but the payout %’s are higher due to the fact it pays out 8 levels deep instead of 9. You can find 7 approaches to get paid: Retail Profits, Quickly Start Bonus and Pool, Level Bonuses, Matching Bonus (up to 25%), Money Bonus and Global Bonus Pool (a pool in which every single 20K or above earns a share inside the five,5% pool of the worldwide income).


Simply because it is significantly less difficult for distributors to earn a share of the global income Limu undoubtedly overthrows XanGo on the enterprise side. In addition, both business …

insurance, money

Disability Insurance Vs. Life Insurance – Which Is Better?

I think that most people would agree that the we live in a state of insurance overload in this country. You need insurance to drive a car, you need it to buy a house (at least you do if you want to get a mortgage from a bank!), you need health insurance to cover medical costs… it seems like everywhere you turn there’s more insurance to buy!

It can become overwhelming for most people, but there’s one area of insurance that you don’t want to overlook and it’s an area that most people do overlook. I’m talking about disability and life insurance.

First of all, what are these two things?

Life insurance is simply insurance that pays your family a set amount of money in the case of your early death. If you get hit by a train or fall out of an airplane or laugh too hard during a funny movie and choke on a pretzel and suddenly die, life insurance makes sure that your family is provided for financially and that their standard of living does not decrease just because you’re not around to pay the bills anymore.

Disability insurance is very similar. The only real difference is that it isn’t focused on your death but merely on your disability. This is particularly important if you have a manual labor type job. So if you break your leg and can’t work for six months, that loss of income won’t affect you because your policy will pay out instead.  

Your employer may already have disability insurance as part of your pay package but chances are they don’t. You’re going to need to find out for yourself whether they offer it or not and if they don’t you’ll need to go out and purchase it on your own.

In a perfect world you should have both of these types of insurance to cover your family in case you die or in case you get hurt and can’t work anymore. Of course, we don’t always live in a perfect world and many people choose one or the other… so which one is best?

That’s a question I can’t answer for you, everybody has to answer that themselves. But for myself I would choose disability insurance as the most important if I had a manual labor job that my family relied on for their sole source of income.

If I die, that’s really bad but my wife can either start working herself to make up for lost income, or marry somebody else as crass as that may seem. The point is, they have options.

If on the other hand I lose my eyesight or break a vertebrae in my spine that keeps me from working anymore, then we don’t have that many options. My wife may not be able work because she might have to take care of me full-time and alternatively she wouldn’t be able to marry somebody else because I’d still be around, barring divorce of course. The point is, …

business, money

Chapter 7 Bankruptcy Exemptions – Timothy McFarlin

A consumer filing Chapter 7 bankruptcy is entitled to certain “exemptions” in order to allow them to retain assets required for a fresh start after bankruptcy.  The idea is, a consumer would not be able to live their normal life and rehabilitate their financial situation without certain items, such as a car (to get to work), household items, clothing, tools of the trade, etc.  It is not the objective of the bankruptcy court, or the bankruptcy system in general, to completely decimate a consumer filing bankruptcy, but rather to assist them in starting over without the burden of creditors aggressively pursuing them to collect debts.  If a borrower does have items or assets beyond what is considered “exempt” the bankruptcy trustee assigned to the case is tasked with the job of liquidating such assets to raise money to pay creditors.  The vast majority of chapter 7 cases, especially consumer and small business cases, are “no-asset” cases in which no assets or property is liquidated.

Some common items that are typically exempt (under most circumstances) include: house, car, clothing and household furniture and items, clothing, jewelry, electronics, tools, and many other items.  In California, there is additionally a “wildcard” exemption which can be used to exempt any property up to about $22,000.00.  This can even cover money in a bank account or cash.

Chapter 7 bankruptcy exemptions are intended to protect families from being completely stripped of any means to survive following a bankruptcy.  It would serve no social or legal purpose, and contradict the spirit of bankruptcy protection, to take away from families all their possessions and assets in bankruptcy.  Bankruptcy is designed to protect consumers and businesses, not destroy them.  Exemptions are the means by which this objective is accomplished.

From a policy perspective, there is a careful balance the bankruptcy code seeks to strike between the interests of consumers (debtors) and their creditors.  Obviously creditors’ interests cannot be ignored and a debtor with substantial assets must surrender those assets exceeding the exemption limits to the bankruptcy trustee for liquidation and to raise money to pay creditors.  Bankruptcy exemptions are important for creditors in bankruptcy as well because they set limits on what debtors can keep.  Should a debtor go into chapter 7 bankruptcy with substantial assets beyond the exemption limits, those assets are used to pay creditors through the bankruptcy liquidation process.  The policy objective is give the consumer an opportunity to make a fresh start, but not to abuse the bankruptcy system either. 

A prospective debtor should always consult with a bankruptcy lawyer before filing their case to determine what would be the best course of action for their particular circumstances.  Based on the advice of a bankruptcy lawyer a consumer can better decide what items can be retained through the bankruptcy process.  It is also critical to properly exempt assets, exemptions are not automatic, but rather must be specifically used by proper bankruptcy code citations on a debtors “Schedule C.”  Even if a debtor could exempt …

business, money

Money: An Idea backed by Confidence


It has been discovered some time in the 1960’s that the inability of a person to define the words or symbols of a language or a subject makes the full understanding of that language or subject outside the grasp of a person. A person will be unable to fully understand and grasp how to control that subject fully, making him or her appear dull or even stupid on that particular subject. For example, a person who is working in a workshop who does not know what a hammer is, when asked for a hammer by one of his colleagues, might guess at what it is and present a screw driver to his colleague instead. We use words to describe concepts of the world around us, hence not knowing the concept fully can hinder person’s understanding of the world around him or her. So not knowing the definitions of words or symbols closes the world off to one to some degree. An obvious example of this is when people near you are speaking a language which you don’t understand – you hear that they are speaking alright, but the words seem to be a stream of “blah blah blah…” which you don’t really “hear” because you don’t understand it.

This principle can occur with any subject whether you are just learning it or whether you have learnt it in the past, but had words you didn’t fully understand. Where else could such principle apply? Well, for now and the purpose of this article how about the subject of money?

 Money! We use it every day in almost every aspect of our lives. Every business is driven by it and many times in our society we judge success by it.

It could be the solution to many problems or the stumbling block of a person, group, business or nation. There are many analysts who teach of the best ways to manipulate it and how to make more of it. It drives some men to great heights in pursuit of it, and shoves others still to great depths of depression and apathy in search of ways to make it and reach it, with little success. It seems to be the major cause of stress and the objective of many to attain more of it.

But, what is it? Is it paper bills with heads of state printed on it or coins made with cheap metal with a coat of arms on one surface? Perhaps. However, using the above reasoning maybe there could be something more to know. Do you know the definition of money, to start with?


Here are some of the most widely accepted definitions. Money has been defined as:

  1.  “Anything that serves as a common medium for exchange in trade, as coins or notes”.Money is a good (product) that acts as a medium of exchange in transactions.
  2. Classically it is said that money acts as a:

a.    unit of account,

b.    …

business, insurance, money

A Handy Guide To Cyber Insurance

Cyber insurance covers a broad range of exposures, including hacked computers, viruses, denial of service attacks, and a bevy of other claims. With the right policy, it can be extended to include trademark and copyright coverage.  All firms that utilize IT professionals should purchase a cyber insurance policy that is tailored to meet the needs of their own organization.

What is Cyber Insurance?

Cyber insurance can include a number of different exposures from network security which protects against hackers, to claims that you were negligent in meeting your responsibility to protect the data and computers of your clients.  The abuse of websites has given rise to unanticipated numbers of copyright and trademark violations.

Most states now have laws that require you to inform your customers when their data has been compromised on your system.  Even if no further damage develops, the cost of notification typically approximates $8 per record.  In other words, if a hacker successfully penetrates your server housing 150,000 customer records, the cost of notification could be $1.2 million, even if you weren’t negligent.

The availability of cyber insurance has expanded rapidly in recent years.  There are now over a dozen insurance companies that offer well structured, competitively priced cyber liability insurance policies.  Be advised, however, that coverage is not standard.  A well qualified agent, schooled in the technical issues surrounding cyber liability can help you navigate the available coverages.

3 Tips for Building Cyber Insurance Policies

  1. Know your coverage. General liability insurance policies are designed to protect you if you are negligent, but in order for coverage to be triggered, they require property damage or bodily injury. Cyber attacks typically cause money damages, but to not necessarily physically harm your system.  In order to be covered, you will need to purchase a policy that is specifically tailored to your company’s exposures.
  2. Maintain a strong infrastructure. Insurance companies will only agree to insure you if you take active steps to protect yourself. A formal IT audit of your systems will increase your access to insurance coverage, and can dramatically reduce premiums.  The audit will cover a variety of internet security issues.
  3. Build sound internet procedures that require frequent changes in passwords and that regulate what can be placed on your site.  Most copyright violations result from employees posting material from other sites on the web.  Make sure that they understand what is and is not acceptable.

A Business Investment

Since many companies will not report incidences of data loss or denial of service attacks, it’s difficult to gauge the frequency of cyber insurance claims. You should use common sense and only cover your company for claims that you can anticipate.

Still, buying cyber insurance is a necessity for companies who deal extensively with technology. Assemble a plan that will cover you so that you can run your business securely.…


How to get paid to click unlimited ads

The only way to keep up with the latest about get paid to click unlimited ads is to constantly stay on the lookout for new information. If you read everything you find about get paid to click unlimited ads, it won’t take long for you to become an influential authority.

Hopefully the information presented so far has been applicable. You might also want to consider the following:

It is just as simple as it sounds. You are paid to click ads. Stop getting annoyed whenever such an advertisement pops up and see the positive side of it. Consider that whenever such a thing happens, instead of a pop-up window, dollars appear. Now, all you have to do is click on them, and the money is yours to spend. The more ads (dollars) you click the more money you earn. It is not a scam, it is advertising. The companies or persons that advertise afford to pay people to click on their ads. The more people click, the more money the company spends, but if one in a few people purchase their services or products, the ads are profitable. Join other thousands of people who earn money online every second. It is almost too easy to be true.

How can I get paid to click ads?

Simple! Browse the net and choose one of the many “get paid to click ads” programs. Register, follow a few guiding steps and there is nothing more to stop you from winning money online. Honestly, I must call it winning money, rather than working, because it is simply too easy to do. You are not required to leave the intimacy and comfort of your house. If you are a night person, this opportunity fits you like a glove because you make your own schedule. No traffic to beat, no competition to outrun, none of the negative aspects of a “regular job”, no stress. Just get paid to click ads. “Click’n’cash” could be your motto from now on. The more you click, the more you earn. You can work from every computer you want as long as it is connected to the Internet. Work from the beach or from the park if you want. You can make the money to buy a laptop in no time using a “get paid to click ads” program. Let everybody know about this opportunity. They might even pay you for this. Your life could be so much easier. Give it a shot. Your first paycheck is already knocking at your door.

You can’t predict when knowing something extra about get paid to click unlimited ads will come in handy. If you learned anything new about How to get paid to click unlimited ads in this article, you should file the article where you can find it again.…

business, insurance, money, personal

Why is Insurance Important?

There are different types of insurance. Home, automobile, and life are just three of the various kinds of insurance policies that are available for consumers. Insurance, of all kinds, is used to help protect consumers when certain things happen. For the most part, this protection comes in the form of money. It can also provide protection from liability, damages, and financial loss, but in the end, it usually comes down to money.

Most consumers know that there are certain types of insurance that are mandatory. Many states require that automobile owners carry a minimum amount of insurance for each vehicle the person or business owns. As with some other types of insurance, automobile insurance can be somewhat broad in nature. In other words, you can buy a simple liability policy that will pay a certain amount of money to someone that you have an accident with, but will pay nothing towards your own damages. Moving up the scale, you could purchase a more comprehensive policy that pays for damages to both you and the other person, including medical awards and property damages. There are levels of coverage all along the way, and this is why automobile insurance can be considered broad in nature.

In the case of automobile insurance, the reason insurance is important is that it protects you from having to pay damages in the event that you are found at fault for the accident. Without automobile insurance, you might lose everything that you have, including future earnings in order to pay these damages. Most consumers simply cannot afford to buy another vehicle for someone should they severely damage that person’s automobile. The same holds true for any medical costs that might be associated with an accident wherein you are found at fault.

With home owner’s insurance, the minimum coverage level is often determined by the lender. Many home owners will add to this level of coverage in order to protect such things as their furniture and other personal items against loss. Coverage will usually extend to people who may be on the property should they encounter an accident and sustain injuries. Again, the importance of insurance is to protect the owner from legal actions that may arise from outside parties as well as to protect the owner from real property damage such as fire.

In the area of home owner’s insurance, there is often controversy over what is known as flood insurance. Home owners should not assume that their policy covers damages due to flooding. This is often assumed by home owners and can lead to severe losses should a flooding event occur. The only way to know if you are covered for flooding is to ask the direct question to your insurance company and to read what is in the insurance contract. Thousands upon thousands of homeowners have encountered severe financial loss because they assumed they were covered for flood damages when, in fact, they were not.

In addition to personal property insurance there are other types …

business, money

Facts about Commercial Debt Collection

Debt collection is not all the same.  In fact, commercial debt collection is vastly different from consumer or retail debt collection.  It is important for business owners to understand the difference and gain an advantage over their competitors.

Commercial Debt Collection vs. Consumer Debt Collection

Commercial debt collection is business-to-business debt collection as it involves the collection of debt from a business on behalf of a business and is not only procedurally different in many ways from consumer debt collection; it is also governed by different rules and guidelines.

Commercial Debt Collection Laws

Although some states have their own laws that define whether or not they make a distinction between the two, commercial debt collection, unlike consumer debt collection is exempt from most federal debt collection laws, as those laws deal specifically with consumer or retail debt collection.  Because of this important distinction, commercial debt collection can allow for a much more comprehensive approach to collecting debts that were incurred by a business, including the use of alternative debt collection tools, such as private investigators and more.

Commercial Debtors vs. Consumer Debtors

Commercial debtors are businesses or business owners that owe a debt as compared with an individual consumer or retail customer.  As a business or business owner owing money to another business, the reason or reasons for delaying or avoiding payment can be similar to a typical consumer owing a debt, such as, lack of available funds, a belief that they can get away without paying, or a belief that they can leverage their relationship as a client/customer to delay or avoid paying, however, the motivation to pay and avoid consequences for the business they are responsible for makes collecting debt from a business much different.

Commercial Debt Collection Agencies

Commercial debt collection agencies typically handle a wide variety of industries.  Therefore, that agent must understand not only common business procedures but also those within each specific industry that the agency’s clients fall within.  Therefore, your typical commercial collection agent will have a great deal of experience and background in dealing with businessmen and businesswomen, as compared with consumer debt collectors who deal mostly with retail customers.  Some of the traits of an experienced commercial debt collector will include tact, professionalism and a unique understanding of what motivates businesses to pay their debts.

Commercial Debt Collection – Resources:

Commercial Debt Collection Agency

Commercial Debt Collection Agencies…

business, money

Effective Ways To Manage Money

There are many ways and tips on effective ways to manage money in general. Technically, all these tips talk about one thing: being able to have money when needed, where needed. A lack and wanting desire to acquire money when the call arises does not necessarily mean not being able to manage money effectively, but may just be an overshoot of unexpected events. evertheless, the person should be able to acquire and find ways to come up with the needed amount if ever there is a strapped budget from the unexpected event that needs to be complied.

Look At The Future Goals

One of the most important and progressive value of a person to have effective ways to manage money is to have a sense of foresight. This foresight pertains to the ability of a person to know what things is most probable going to happen to him in the future and be able to prepare beforehand with substantial amount of time. With this is a responsibility of being able to properly organize the timeline and the budget allocation of funding and financial allocation. Also in this regard, the consideratio n of all other fees, bills, and payment allocations would have to be properly identified and included in the plan.

An option of having to put an allowance or extended goal would be beneficial to the planner to allow himself to adjust and be able to cope up with unexpected events with a bit more ease. In this manner, the one who manages the money is able to have an extra for a rainy season ahead.

Invest, Invest, Invest!

Another method to effectively manage money is to invest in progressive and productive endeavors which could be other sources of income. Instead of just allowing the savings to rest in a bank and earn a small amount of interest per year, it would be wise to allocate some of the money and other resources into a business. Of course it may prove unproductive and detrimental, but the allowance of such resources to different paths of productivity would widen the scope in which a person could determine and discover the best way to manage and have more money to alleviate the status in society.

Investing does not only mean having to go into a business venture but also in being able to become a stockholder, no matter how small into an existing business. Being a stockholder and becoming a part owner of a running business puts the self into a profit oriented state by having a percentage of the earnings that the said business generates. Nevertheless, the risk of losing the capital used for this investment is as great as having a self owned one.

The 3:3:4 Paradigm

This paradigm takes into account that all the other utilities and monthly bills have already been paid and the amount left is the extra money that is left floating. Most probably many would not be lucky enough to have this, or if possible just …

business, insurance, money

Money For Teens: Ideas For Teens to Make extra money

Money For Teens

Teen Job Basics

1) For many of these ideas a credit card or paypal account will be req uired to make money so make a deal with your parents to use their credit card. Many parents will be hesitant to initiate a deal like this; reassure them that you will pay them back and keep a balance sheet to record the profits and expenses that accumulate.

2) Have no Self-Conscience. Putting yourself out there will be of great import for success. If you want to make money you cannot concern yourself with what people may think about your methods, just think about your deep pockets and their shallow ones with money for teens.

3) You have to be willing to put effort into what you do. Effort conquers ability.

The Money Making Methods

Money For Teens #1 : Caddying

If you live near a golf club then there is no better and more simple way to make money as a teen than caddying, and you get a workout. All caddying requires in most areas is one or two, two hour training courses to become certified. If you can get a job at a country club many members will tip around $80 per bag per round. It is highly suggested that you learn the course you work at quite well, so that you are able to assist your golfer and receive a higher tip. Also if you become studdly enough to build a reputation, members will ask for you specifically, and the more business the more money, so work at it and you could make up to $5,000 in a summer. Use this link to find a local golf club Find Local Golf Courses.

Money For Teens #2 : Landscaping

A kid can do landscaping jobs starting very young, possibly even in pre-teen years. Ask your parents if you can mow their lawn and have them pay you. Argue that you are cheaper than the landscaping company they pay for. Landscaping may also entail other household jobs like painting or laying mulch, just offer your assistance for a small price. Don’t stop at your parents, ask neighbors and post flyers, especially if you live in a walking community where houses are very easy to get to. Landscaping is a great job to do with a friend and can be quite fun and very simple. First schedule an appointment for an estimate and then if the customer agrees schedule a time to do the labor. Customers will pay you a much higher wage if you supply your own equipment so arrive prepared.

Money For Teens #3 : Manage Landscaping

This job takes a little more smarts and can be more of a challenge, but when pulled off successfully you will become loaded and have all your friends looking up to you. You may think this is an impossibility at the age of 16, but I have seen in my town alone two different kids run a landscaping business and …