Author Archives: Frank Atkinson

Wealtht Affiliate Will Guide You



Are we being scammed with this product?

Read my unbiased opinion of PROFIT CANVAS



Price: Lite: $39.95 Pro: 49.00 Standard: 44.95 Until end of promo, then price is a monthly fee.

Owners: Mike from Main and Brett Rutecky

Overall Rank: 20 out of 100


Product Canvas is billed as a complete money making system. All the software and training you need to build your internet business.

The Good & the Bad

The Good:

PRO #1Vast amounts of training

PRO #2Complete software package

PRO #3Great starter price for the different levels

PRO #4Getting ranked with review sites.

The Bad:

CON #1Webinar software is poor quality.

CON #2Plug in’s aren’t very good

CON #3Support is said to be “Effective Response”


Profit Canvas is Recommended for all levels.
From beginner to pro.

PROFIT CANVAS Tools & Training

1. Complete training
2. 4 plugins to rename and sell
3. Every thing for one small investment
4. No recurring fees
5. Lots of training
6. 30 day money back guarantee

1. No forums
2. Cannot see any personal support
3. Not a community that I can see
4. Not sure if the owners support it or not
5. Support is said to be “Effective Response”

Front End: $27 – $47 Lite and Pro Packages


OTO (one time offer)

OTO 1: $67 Developers rights plus extra Templates
OTO 2: $97 – $147 – $197 White Label Agency Resellers Access
OTO 3: $47 4 – week live mastermind with Mike and Brett


My Final Opinion of PROFIT CANVAS

They make it sound so easy to make money on line. Buy my software and drag and paste and start making money.
Profit Canvas is an all-inclusive software program that has all the tools and training you will need to be successful in your own Internet business. Every thing is done for you.

Here at Profit Canvas you can copy Mike and Brett’s results.
I don’t know. They tell us you don’t have to have an email list, no products, no website and no hosting.

I guess this is all built in. But what about TRAFFIC? Gotta have Traffic.
May be the program doesn’t have to have an email list to start, but you are going to have to generate some kind of traffic and start building an email list to build your list to sell to.

    1. Is Profit Canvas going to furnish you a list?
    2.   Are they going to teach you how to build a list or just say go here and go there and start building a list.
    3. Who manages and stores your list and information for the campaigns you start?No Traffic no Sales. You have got to get people to want to come to your website or there is no one to sell to.

PROFIT CANVAS at a Glance…

Their website looks great.  Lots of color and lots of excitement in their sales page.  But if this system is so easy and makes so much money, why are they giving it away?

Just asking.  I guess I am a little curious.

In my opinion, Profit Canvas is another of hundreds of programs out there trying to sell you their software programs to make you money on line.

I believe a lot of their software is good and usable and there is some training to go along with it.
There is no forum or community to turn to to interact with and gain support and real time help when you need it.

I do think you can make money with their products, but they are not telling you about any traffic. And there is, I think, the catch in the whole system. There are Millions of Buyers out there, and there are Millions of Sellers. How do you put them together?

I have to say that the training programs I am taking now is a much better system to go with.
Why? Because. Wealthy Affiliate takes you by the hand and starts training you as if you knew nothing about the internet at all.

The training here will give you the knowledge to build you an Internet Business that will last a life time and not just for a fleeting moment.

1. The great thing about this program is that Wealthy Affiliate is not selling you a product, this is a teaching program and it is always being updated. They aren’t teaching old out dated technologies and software.

2. There is a community of thousands to seek any help or advice from. You get involved with people that are doing the same thing you are doing and are more than happy to help.  Not just to help but also you make new friends here because these people are doing the same thing you are,  wanting to learn how to build an online business.

3. Test drive before you buy. You get one full week of training free. No out of pocket expense and you use the system and interact with the community. Ask any questions you like and Kyle and Carson(owners) are out there to answer questions as well.

4. For test driving the system for one week Wealthy Affiliate is going to give you two Free WordPress Websites.  Already to start blogging on.

They are all set up and ready to put on the internet. All this is Free. No cost to use for a week while you test drive the Best Training Program in the industry.

If you decide not to join, no problem, keep the two websites as our gift to you for test driving the program.

These guys are selling KNOWLEDGE –  not a product.  Kyle and Carson are teaching us to build a solid foundation for our online business from the ground up.  And they will be there all through the training and after you start making money they and the community will still be there for support and guidance.



Owners: Brett and Mike

Price: $37–$67 plus OTO’s

Overall Scam Rank:20 out of 100


My Verdict would be LEGIT. This program gives a lot of value in it’s software and training.
I don’t think that it teaches enough about traffic and the need for lots of traffic.

This program I don’t think will give you a sound foundation to build your Own On Line Business as well as Wealthy Affiliate will.

The program I recommend will teach you and arm you with the knowledge and foundation you have to have to build any business.

The training here will not be over night. This training will take time to learn and put into practice. In the training you build your own websites and learn to review products, find your niche, build out your websites and gain stature within the Google community.

These are some exciting times and some very exciting training coming your way.
Follow this link to my review of Wealthy Affiliate and sign up for a one week FREE, yea, FREE Training course and an additional FREE 2 ready to use websites from Word Press. You can start blogging today! Will not cost you a dime. Just sign up and take a test drive and let us know what you think of our training at Wealthy Affiliate University. FOLLOW THIS LINK NOW!

If I can help or if you have any questions you can contact me at: my home page here:

Drop me a line any time, I look forward to hearing from you.

Have a Great and Prosperous day………….Frank



Marketing plans

Guide Lines for Drafting a Marketing Plan.

What is a Business Marketing Plan?


A marketing plan is an outline for a company’s marketing strategies throughout the year.
A marketing plan, unlike your Business Plan, sets down the strategy the company will use to build on and the direction in which the company will grow and achieve it’s long term goals in Marketing their product.

Your Internet Business is like any other company in that planning and future strategies are essential for good company health and growth.

Some company’s may plan for 3 to 5 years depending on the type of market they are in.

Part of your strategic planning should include Wealthy Affiliate for long term Professional Training in Internet Marketing.

Wealthy Affiliate is the leader in the industry for training in Internet Marketing and making money online.


Tactical planning is more short term planning. The tactical plan takes the Strategic plan and breaks it down into short term goals. These short term goals and plans are usually implemented by department or company function.


Executives have a better understanding of the Corporate structure and how it works. Usually executives are geared toward strategic planning for the company.

Managers in the company know more of the day to day operations of the company and are responsible for tactical planning.

Executives are planning strategies for the future operation of their company’s while the managers are planning tactical operations for today.

Tactical planning is much more detailed and flexible because of the day to day operation of the company than strategic planning. Strategic planning is long term planning for the future.

According to, flexibility in the face of change is a necessary component of the ongoing tactical planning process.

In any company’s Tactical planning there has to be built in flexibility. Goals have to be readjusted or extended.

You cannot be to strict because of the business environment, weather, any number of things that can change on a moments notice.

This is a basic marketing plan for a typical small business from the Small Business Administration.

1.Description of the product or service, including special features

2.Marketing budget, including the advertising and promotional plan

3.Description of the business location, including advantages and disadvantages for marketing

4.Pricing strategy

5.Market Segmentation

The Small Business Administration is a government entity and like any government office,They Work For Us.

Use them. The Small Business Administration has Tons of information for business’s of all kinds.

Try out this book. The Strategic Marketing Plan Audit 2008 by Michael Baker( ISBN 1-902433-99-8 )

One of the best sources of Training is Wealthy Affiliate. This training includes thousands of online community help that are experts in the field of Internet Marketing, and are more than willing to answer any questions you have. Live Chat 24/7.

This is worth looking into if you are interested in Internet Marketing, and Making Money Online.

Try these people out and see if they can’t answer your toughest questions.

Please let me know what you think of my blog on Marketing Plans. I hope I have answered some of your questions and gave you some useful information.

Thanks for coming and have a great day.





Name:   Instant Payday Network


Price:   100% FREE To Join

Owners:   Jeff Buchanan

Overall Rank:   65 out of 100


Instant Payday Network puts you together with Fortune 500 Companies and the Fortune 500 Companies pays you a referral commission for getting people to try their products.
You can earn any where from $20.00–$55.00 payments daily every day of the week. This depends on how consistent you are and how many people you get to try out their free products.

Don’t worry about websites and lead pages because they furnish all of this for you, including all advertisements.
No admin fees
No website fees
Honest reliable work
Maximum Return with Minimal Effort
If you can check emails & surf the internet you can do this!

Must have your own computer
Must have high speed internet access
Must be able to follow step by step instructions
Must be able to copy and paste
Must have a valid email address

Turn-Key Marketing System included


No cold calling
No bugging friends and family
Real “legit” work from home opportunity!

These Fortune 500 Companies need New Customers

Need new customers trying their products & services
Have very large advertising budgets to spend on different mediums
Internet Marketing is one of those mediums
They are willing to give Referral Commissions for FREE Trials

This is just a short version from the Instant Payday Network site telling a little something about the company and how it works and what it does.

Is this a Scam? No not a scam. You can make money with this system, but it is going to take a while. You cannot make money if you do not have any traffic. Traffic? Traffic is potential customers coming to your website. Where do you get Customers(Traffic?) That is the tough part.

The Good & the Bad

Here are some Interesting Stats that might help.

Here are some Interesting Stats that might help.

The Good:

PRO #1—Yes! You can make money with this system.

PRO #2—-No cost to join

PRO #3—Your Website is Furnished.


CON #1—TRAFFIC! You have to have Traffic to your websites.

CON #2—You are not going to start making money just because you signed up to this program.


Actually this program is billed for any one who wants to make money online.
I think you can make money here but this is going to take time to build traffic to your website. You have to do a lot of advertising to generate traffic to these 500 companies.


My Verdict is NO this is not a scam. But for new people trying to make money online, I think they are going to have a rough time getting started. You are going to have to drive Traffic in the 100’s to these Fortune 500 companies. Where are you going to get TRAFFIC?

Follow this link to a University that will take you Step By Step teaching you How To Make Money on The Internet. This is my review of Wealthy Affiliate. If you really want to make money online, then someone has to teach you all the ways to do that and be successful at it.

They give you 2 FREE WordPress Websites that is ready to be put on line with your blog or product.

This program is second to none on the internet, and with live support from 10,000 member forum at your disposal, you cannot fail.

Check out this review and let me know what you think. Leave a comment below.

Have a great day……………FRANK



A Review of “Success With Anthony”

Name:  Success With Anthony




Price:  The price starts out at $7.00 and escalates to over $1,000.00 in “Have to Haves” and up sells

Owners:  Anthony Morrison

Overall Rank: 35 out of 100 Flooded with constant emails and up sells. Gives your name and telephone number to internet marketing schools and training, that they tell you that you have to have to be successful. Personally I thought this was more harassment because of the constant phone calls and emails.

A general overview of what the product is.

Have you heard of Anthony Morrison? Anthony started out in the internet marketing business several years ago just out of college. He started writing training programs and selling them on the internet along with how to books for his teaching programs for internet marketing.
Anthony and his father and brother put on seminars all across the country. My wife and I met Anthony at one of his seminars and that is where we started with Anthony Morrison. Five years later we still get emails and up sells for his products.

The products Anthony sells are really not actually a scam, because they do have a certain value. I think there is a certain amount of deception involved in his marketing because of so much that is left out in his seminars and his training courses. The courses I found were hard to understand and not very easy to follow. If you were experienced in internet marketing you would be able to follow with probably no problem. I am new and couldn’t follow the training. When I went to support I was told to follow the training manuals and videos. Well that was the problem. Couldn’t understand what they were trying to teach.


  • Email Marketing
    Social Profits
    SEO Profits

Email Marketing is a great way to market products to your customers. But if you are new at marketing and trying to learn how to make money on line this technique will not work. Simply because you have no base to sell to. You have to learn how to build a base, Traffic, to your site.

Most of the training is in video modules and does go over a lot of useful material. For the beginner it is a little over their head and would be hard to follow.

Good & the Bad

Pros:  The video modules and the training programs do have usable information and I guess it is OK.


Here is an interesting YouTube video I looked up. This is a review of one of Anthony Morrison’s products. I thought it was interesting, and also there are other video’s here as well. Take a look and judge for your self.

They don’t tell everything about the programs.
Constant up sells
No support
Expensive coaching programs
Trouble getting a refund. It took my wife and I a long time to get only part of our money back.

ClickBank dropped Anthony Morrison off their platform. Must have been to many complaints.

WHO is:  “Success With Anthony For”

The audience this product is targeted for is, who ever will come up with some money to buy this product. I think you have to be experienced in internet marketing to follow his training courses.
If new to on line marketing this program probably will not help you.

Name:  Success With Anthony


Price:  The price starts out at $7.00 and escalates to over $1,000.00 in “Have to Haves” and up sells

Owners: Anthony Morrison

Overall Rank: 35 out of 100 Flooded with constant emails and up sells. Gives your name and telephone number to internet marketing schools and training, and they tell you this training is needed to be successful in Internet Marketing. Personally I thought this was more harassment because of the constant phone calls and emails we were getting to sell us on the training program.


My verdict would have to be NO. Don’t spend your money and waste your time with this program.
I personally think Anthony Morrison and a lot of the other Gurus out there are only interested in your money. They are not interested in you being a success in on line marketing.

If you are truly interested in learning how to make money on line then follow this link of my review here  to an Internet Marketing course that has a tremendous following and a Huge community forum. FREE to start. TEST Drive the programs before you make up your mind.
This program and the community are interested in you being a success in your Very Own On Line Business.

You have 2 FREE, that is right 2 FREE WordPress Websites given to you just to look at and Test Drive the program. Fully functional and ready to build your blog or money making website.

Now, that is what I like. I get on the forum to ask questions from experts in the internet marketing field for any help I need. Don’t be bashful. Pose the question: Is this program a scam? Check these people out.

Don’t Forget, Follow this link to My Review and sign up for your Test Drive of Wealthy Affiliate.

Contact me at:

Let me know what you think of the program and ask me anything about this University.

I hope you enjoy my reviews and I have given you some useful information. Please leave a comment below.

Have a great day: ………..Frank




Name: Profit Clicking

Website: is called Ad Click Xpress(ACX) for short)

Price: $3.00 starter add. Other costs associated here are revealed upon sign up in their program.


ACX is owned by an International Holding co. (but doesn’t say who they are) and lead by qualified online marketing specialists with over 80 years of experience. But they don’t say who any of these people are. I am sure they tell you something after you sign up.

Product Overview:

Ad Click Xpress (ACX)–formerly ProfitClicking—Is an online advertising company. ACX offers services and products to Business Advertisers.

Providing inexpensive, effective advertising solutions to small businesses and individual clients since their Launch in June 2013.

Member Affiliate

ACX’S member affiliate program is effective for providing Business Advertisers more value. The members are given the opportunity to earn very generous daily commissions by viewing Business Advertisers’ websites on the ACX Traffic exchange.

This Co. is touting membership in the Millions Worldwide. With these Millions, Business Advertisers can expect a steady stream of visitors to their websites.

This has been a short overview of Ad Click Xpress (formerly ProfitClicking)

The Good and The Bad

The Good:

PRO# 1: Generous daily commissions are a great incentive and a steady income.

PRO# 2: To get daily commissions it sounds like you have to view fellow Businesses websites.

PRO# 3: Very good part time Home Business with a passive income as well.

PRO# 4: Inexpensive way to advertise your websites and businesses on line.

The Bad:

CON# 1: Con # 1 is very interesting. I started out reviewing, but when I

entered that URL I was directed to Ad Click Xpress. launched in

June 2013. So I Google ProfitClicking Reviews and “boy” did I get an ear full.

CON# 2: Hidden costs you don’t know anything about until you sign up to the program

to find out all the costs involved.  Some of the people are filing complaints

because of large commissions that aren’t getting paid.

CON# 3: ProfitClicking is under investigation and it looks like to me all they did was change their

name to AdClickXpress(ACX) and kept doing business.
CON# 4: All of these managers and up line people are out of country and cannot be held

accountable if a problem comes up. To me this sounds like a Ponzi Scheme.

Who is AdClickXpress (ACX) for?

This is an online advertising service. Targeted mainly to Website and Business owners looking

for inexpensive advertising, and also a way they can generate some income. You have to pay for

advertising but you can participate in an Affiliate program and earn commissions.

ACX Tools and Training.

There doesn’t appear to be any training. You have to go to your managers or ACX Help menu.

ACX Support:

There appears to be support some where. I couldn’t tell because the company said their
managers and staff are spread out all over the world, so I couldn’t determine where they might be.

ACX Price?

Hard to tell. They talk about $3.00 starter adds. Then tell about $10.00 for 600 adds and then it seemed like there were more costs down the line but I couldn’t tell what they were or how much. Some of the reviews on Google were telling of being invested from $1600.00 to around $4000.00. So I don’t know.

My Final Opinion of AdClickXpress(formerly

I am very Leary of getting involved with a company that is so secretive that they won’t tell you

what your up front costs are and if, or how much, there are costs after you get started.
So far ACX in their up front advertising will not tell you any names of their Holding Co. or any

CEO’s, Managers or supervisors.

My Verdict:

I would have to give a verdict of NO. At this time I would not risk any money or time with this company.

If you are sincerely looking to find a reputable co. to learn and grow with I would look at

Wealthy Affiliate. This will cost you about: 5 minutes of your time and not One Red Cent out of

your pocket. These people will teach you anything you need to know to get on line and start

making money.

Contact me here and let me know what you think and if you have any questions don’t hesitate

to ask me.

I hope this review helped and gave you enough information about this company called


Follow me to Wealthy Affiliate, just enter your first name and email address below.

“Test Drive” Wealthy Affiliate for FREE. No obligation, no cost. Just for “Test Driving” Wealthy Affiliate, there is Two FREE Word Press, fully functional Websites as a gift.

Premium membership is $47.00 a month, or discounted for a yearly rate.
If you decide not to move to premium, OK, the two websites are yours to keep.
There are Thousands of members in the community. You can ask them any question you want. Ask if Wealthy Affiliate is a scam or not. They will tell you the truth. Try them out today and tell them Frank sent you.

Go ahead and “Test Drive” Wealthy Affiliate today. Follow this link:

First Name:

Wishing you continued Success, and hope to see you at Wealthy Affiliate……….Frank




What would I have to do to sell jewelry online? Sounds interesting, doesn’t it?


Jewelery is something I, (Frank), know something about, and my wife, (Ginny) knows quite a lot about. Ginny got acquainted with jewelry design and making in collage in the late 60’s “don’t dare ask me her age”, and she has been making, buying and selling it ever since.

Vintage pieces from the past.

Vintage pieces from the past.


Ginny and I had gotten interested in Auctions about 25 years ago and working for several different

Auctioneers I was able to take my test and was given my Texas Auctioneers license.

Western Antiques are Prized at Auctions

Western Antiques are Prized at Auctions

We have dealt in a lot of different merchandise. Bought and sold a lot of vintage and antique jewelry, furniture, cars, trucks. Believe it or not, at one of my Auctions we sold a Gold Fish. Now that was an odd one. Along with Parrots, Chickens, Ducks and furniture, I think I have sold just about everything, except I haven’t had any red wigglers come across the Auction Block as yet. Don’t be to hasty now. You never know.

Getting ready for a Texas Twist and a Twirl at the Ho-Down Saturday Night

Getting ready for a Texas Twist and a Twirl at the Ho-Down Saturday Night


Well. Let’s see. In the United States Of America we have a population estimated at 966,139,408. Those of us doing something online is estimated at about 602,293,593. How about the rest of the world? That figure is estimated at 2,200,185,341. “Gee Willikers Andy”. I Mean, Brother. Is there Room? What can I say? You do the math. Even 1 1/10th of 1% is a heck of a lot. Yah, there is plenty of room on the internet. Ebay’s estimated worth is somewhere around 70 Billion, BBBB Billion Dollars. You have to understand. Buying online is increasing daily. I don’t think it will ever get saturated.


Baby Boomers retiring soon. Moms at home wanting to make a little extra income. Dads wanting to tell their Boss, “You Are Fired”. Learning how to start a home based internet business could be just the ticket for you. I know, I know. This kind of business isn’t for every body. But hey. If you just a residual income to help your retirement, or your present job, that would be well worth the effort.



Ginny and I have sold jewelry in our own Auction house, Garage sales, Estate Sales, sold on Ebay, on Line, and had our own online Auction.
We are both retired now and want to slow down a little bit. I still want to supplimeant our income with Internet marketing, so I got Ginny to teach me a little about the computer.


You see, in my time, growing up as a Baby Boomer I didn’t know what a computer was. Ginny was working for Travis County. At that time they were using punch cards to feed into this Hugh Bank of machines.


These old machines took up a lot of space

These old machines took up a lot of space

I told Ginny then, I couldn’t understand why anyone would sit there and punch a bunch of holes in a piece of card board and put it in a machine to tell a machine what to do! Why don’t you just type out what you want. Seemed to me a big wast of time. Of course, I see where that went.
I started to learn some things about the computer a few years ago, but I am still a “babe in the woods” when it comes to the machines and the Internet.


This is one thing you really have to watch out for. Scams. I have spent hundreds of dollars on Internet Marketing courses that were supposed to teach me how to make money on the Internet. Talk about being scammed, brother, I have had my share.
I suppose in my interest to learn Internet Marketing I was pretty Gullible, and naïve. Expensive lesson. But I was sold on the Internet. With 2 billion people on the internet I just had to take a shot.


Today I am trying to help people that are interested in Internet Marketing and want to learn the right way to get into selling online. And NOT get cheated. If you are like me you have learned over time that “all is not what it seems.” Now you can struggle along and learn how to get on Ebay, or become an Amazon Affiliate to sell your items online. If you don’t have a teacher to guide you through setting up accounts, and even getting your own website set up, then you are in for a long arduous journey.


Well, like me, you have to learn some where and from some one. I wasn’t born with a computer in the house. I went to school with my Big Chief tablet and a #2 lead pensil. Everything had to be in long hand, and we had to show our work. Especially in math. Didn’t show your work, you got marked down.
Don’t even think about taking a calculator in that class room.

At around 5 or 6 years old today these kids know more about computers than I do. It is just like they were born already programmed to operate a computer.

You hear a lot of people talking about selling online. Some of them are even talking about making big money in online marketing. WOW! Sounds great right? But where do you go to get started selling things online?


There are lots and lots of businesses that teach Internet Marketing. You have to be care full of the scamers out there.
The old adage, “Trust but verify,” holds true here. Check every thing out. Read reviews, Google the company name and find out what Google has to say about the business. No matter what they say, don’t be pressured into buying anything, until you have checked their creds (credentials).


If you are just getting started, or an experienced marketer you need a website and a hosting company to get started learning about Internet marketing.
I work with Wealthy Affiliate. I KNOW! Hear comes the sales pitch.
Not from me Brother. I believe in free and test driving before buying.


I am not going to sell you on Wealthy Affiliate, because Wealthy Affiliate sells itself. When I say test it out before you buy it, I mean you are going to get introduced to one week of super training and access to our community of thousands of members.
Believe me you can pose any question to the community you want. Hey, be honest and ask them if this is a scam, and ask if Premium is worth it. There are over 10,000 members here and they are not going to lie to you. There is nothing to gain. These are honest hard working people that are after the same things you are.


We use WordPress for our websites. They are known nation wide with over 76million downloads.
Take Wealthy Affiliate on a one week test drive, “On their dime.” No cost to you at all. You are going to get 1 week of some of the finest training on the market today, for FREE. If you do not want to stay with us after that week, it is OK. You keep two, fully functional WordPress Websites absolutely free. These two Websites are ready to put on line and start making money with. All you have to do is customize the sites and get a hosting company and start blogging.


Start checking out Wealthy Affiliate here. Follow this link for one of my reviews of Wealthy Affiliate, and then take a look at this review. Then get on line and check them out. Ask questions in the forum.
Do you know what the good thing here is, when you join you have access to thousands of people on line willing to help.“FAILURE IS NOT AN OPTION”

Learn how to properly set up an online business with Wealthy Affiliate and it’s community guiding you every step of the way. They can tell you the right way to sell jewelry on line, or sell anything on line.
Check us out and let me know what you think of the program and email me if you have any questions or you can reach me at my profile page here.

My Profile page:

My E-Mail:





Overall Ranking: I am really not sure how to rank this company. I am very open to suggestions. Could you email me at the address at closing of this article?

Price: Free starter up to $3000.00

Owners: Publicly traded—Founder and CEO is Michael Hansen



Actually, there is no real single product. This company is paying commissions on products being bought from the people you bring into the co.

This co. is a global marketing company. Dubli offers the opportunity to build an on going successful business through, what I believe, is MLM. Could be wrong.

I don’t know. But they say you can build a good business generating income from millions of products and services that people buy on line every day.

Hansen says “You can build a global distributor organization that focuses on selling a variety of membership packages for”


Direct—Selling. Relationship Marketing. In selling this way Dubli claimes that this allows the co. to pay commissions generated from the member’s online transactions instead of spending it on advertising. They say this will give the associates a big residual income stream.

This is where I think MLM comes into play. You build up your customer base, they build up their customer base, and eventually you will be able to see your customer base keep building and building with no end insight.

You get cash bonuses, and your member’s get cash bonuses through the customer referrals program.

All you have to do is get people to sign up and get them to get people to sign up and get them to get people to sign up—–Wow, wearing my self out with sign ups.

Try out a review I did for Wealthy Affiliate when you get second.  Click this link and it will take you to my review.


Dubli Networks bills themselves as a company for anyone, that wants to earn a very exceptional income, with one of the most revolutionary compensation plans in the world.

Any one can use the program, young, old, not very savvy on the computer. Anyone that can get people to sign up in the program and start buying on line, no matter who they buy from as long as the company is in the network.


They have training on how to set up your network, and how to get people to join.

You can join for free to get a percentage back from every thing you buy.

And to make a bigger percentage you can go premium an then to Vip Membership which gives everything Dubli has to offer. This is an annual subscription plan and gives the best of each one of their platforms.


Support. It appears all of your support comes from your up line. The person that signed you up in to the program. He will teach you how set up the program, get businesses and individuals to sign up, and give you all of the fundamentals and ongoing support.


Check out a comparison Nathaniell wrote.  Very interesting

Check out a comparison Nathaniell wrote. Very interesting

I don’t know. I didn’t sign up. I have seen some reviews that stated that you have $99.00 a month for one program, and $3,000.00 per year. Couldn’t tell you but if this is close I wouldn’t do it.

Of course you have to remember, I have been burned several times from MLM’s. So I am a little sour on them, and I don’t like them very much.


My final opinion of is a big WOW!!! They present themselves as being the most wonderful money making co. around.
From what I can tell they have been around since about 2009. Some reviews were very, very, bad.

But in saying that I want to let you know these reviews were all anonymous. Take that for what ever you think.

Personally I do not think much of Anonymous.

The co. has very good reviews, naturally.

As I have said before I do not like MLM’s. Most of the money I have found was at the top and did not filter down.
Is it this way with this co?

I do not know. To me it just doesn’t sound right, and they do not tell you cost until you sign up. Don’t like that either.

In my humble opinion I am not going to invest in a co. that will not tell me up front what I can expect to spend to make a million dollars.

Guy’s. I am going to stay with Wealthy Affiliate.

I know what exactly I am paying for and what I can expect in the future. Besides that I have a 10,000 member strong forum to draw from with tons of experience.

Thanks Folks for reading my review and hope it was helpful.

Please email me with a critique and any suggestions on this review to my profile page at Wealthy Affiliate:

You can see my Wealthy Affiliate Review here…

My Wealthy Affiliate Review





According to Merrill Lynch a vast number of Baby Boomers plan to keep working after retirement. Boomers plan to mix pleasure with work.

Mobile and ready

Today’s retiring folks aren’t going to be what is called traditional retirees. There isn’t going to be, sitting around being bored to tears resenting being retired. Not on your life! To day, we Boomers are outwardly mobile and on the go.

We intend to reinvent retirement

James P. Gorman with Merrill Lynch Global said, “With (baby) boomers living longer and remaining engaged and employed beyond age 65, many of the traditional financial assumptions regarding retirement need to be reexamined.”

Remaining engaged meaning “To involve oneself or become occupied.” Hey, I think most of us Boomers are engaged and we will be until we just can’t go any more. Look at our engagement so for. Politics? Work? Leisure? We aren’t sitting around doing nothing.

Boomers Living Longer

I like Living Longer. They say we have 7 plus years added to our life, and living into our 90’s is very possible My aunt Nettie celebrates her 97th birthday on October 11th, 2014. She is spry and looking good. One of her friends she often visits is 100 years young and Still Driving a car.

New Careers and Employment

Being employed beyond age 65 is very common with our fellow Baby Boomers. But you know what? A lot of us are looking for a new carrier and we don’t have to work. We work to keep our selves busy and our minds active. I work for my self and take my training from Wealthy Affiliate, the best Internet Marketing University on the Internet.

Going Fishing

I, like, a lot of Boomers trade off work and my leisure time. Hey! That extra income comes in handy, but, I Am Retired and Love it. Wouldn’t trade it for the world.

Get my fishing gear and head to the Coast. Could go to any number of World Class fresh water fishing lakes Here in Texas.

Or, takes about 5 hours to get to the Oklahoma boarder and the Winstar World Casino Hotel. Unfortunately I live in central Texas and it takes 5 to 7 hours to get to any one of our boarders.

Yeah! We are big and it does take a little while to get out of Texas if your are driving.

Re-inventing Retirement?

James P. Gorman and the survey say Boomers are Reinventing Retirement. Yes, we are. With about 70 to 80 million of us coming on line we are definitely changing things. The Gimmee Generation should be dancing in the streets. Look at the job openings coming up!

The survey says that Boomers are retiring at around 64 and like I said above, they are going right into another job or career. They jump between work and leisure say about 42% surveyed.

Surprisingly, only 17%, surveyed say they hope to never work for pay again.

Women Retiring

Baby Boomer women to day have a better education, they are more independent. The women today are not the traditional stay at home mom. Boomer women have been in corporate leadership, heavily in the work force and are ready to get out more and be on their own, and are more savvy financially than any generation in history.

Where to Retire

The Boomers today are movers and shakers and the places they choose to retire reflect it. One place is right here in Texas where cost of living is far below national average and housing is around national average. No INCOME TAXES! And Austin Texas is The Music Capital of the world. Try retiring on the Texas Coast.


Every thing is Big in Texas. Texas coast line stretches about 367 miles as the crow flys that makes up the northwestern edge of the Gulf of Mexico. Man. Talk about Big. Texas coast stretches from South Padre Island & the Rio Grand Valley, all the way to Beaumont & the Louisiana border.

Along with 367 miles of the Gulf there are over 3,300 miles of shore line along its islands, bays and river mouths.

Open Beaches

You know what the best part is? Texas is the ONLY STATE IN THE NATION THAT HAS OPEN BEACHES ACT. Beaches can be privately owned, but are subject to the public beach easement, allowing the public FREE UNRESTRICTED access to and use of the beach.

Listen guy’s. Before you decide on a place to retire do some research. Try this link for the Texas Coast Line and drop me a line here at:, or look me up on my profile page at Wealthy Affiliate at:

I know. I know. I am kinda big on Texas. I was born and raised in Austin, and I can’t help it, I am a little biased. But, never the less, check us out, We would love to have you.

I hope you have a successful retirement, and enjoy every minute of it……………….Frank



Baby Boomers are looking for the best places to retire.

Baby Boomers, those of us born between 1946 and 1964, are upwardly mobile and for the most part very savvy about the internet, finances, health care and all the fun places to go for the night life.

Retirement no longer means sitting at “Home Alone”. Most retirees to day are looking for cities catering to their wants and needs and they are looking for those cities that are “Hip, mobile, and have excellent financial centers and good health care facilities. No more of this sitting at home waiting for the grand kids to show up. We are on the go. Don’t have time to wait around, we have things to do and places to go.


The Architect The Texas State Capitol was designed by architect Elijah E. Myers, architect of the Michigan and Colorado Capitols, who won a nationwide design competition for the project in 1881. Contractors were offered an interesting trade: three million acres in the Texas Panhandle in exchange for constructing the Capitol. This acreage would become the famous XIT Ranch.

The Architect
The Texas State Capitol was designed by architect Elijah E. Myers, architect of the Michigan and Colorado Capitols, who won a nationwide design competition for the project in 1881. Contractors were offered an interesting trade: three million acres in the Texas Panhandle in exchange for constructing the Capitol. This acreage would become the famous XIT Ranch.

Austin Texas has one of the fastest growing Boomer populations in the US.

Why is that? What is the draw for Baby Boomers here in Austin Texas?

I can tell you one thing. Music! Austin is a hub for the music industry. Musicians come from around the world to play here.
Some Fantastic Facts about our Music Industry: Follow this link.

And a lot of these people choose to stay and build their careers in Austin, called the “Music Capital Of The World.

Take your pick. Country and Western, Jazz, Rock—Hey you name it. Austin has a night life that can’t be beat.

Bob Wills and The Texas Play Boys

Bob Wills and The Texas Play Boys

How Does Costs Compare?

Austin Texas is one of the most affordable places to retire.

According to numbers from ACCRA Cost of Living Index Austin has a composite index of 94.4–compared to Boston at 142.8—New York at 229.5—Just a few numbers you might be interested in.


Affordable homes in Austin Texas, fastest growing retirement city in Texas

Affordable homes in Austin Texas, fastest growing retirement city in Texas

The median price home according to the Austin Board of Realtors is 220.000 while the national median is 184,300.00

According to the Austin Board of Realtors, families come to Austin Texas for affordable housing, cost of living, low crime rate, and no income taxes. The median home value in Austin is very affordable at $220,000 as of March 2013.


Texas doesn’t have either a personal or corporate income tax, adding to its relocation appeal. In fact, according to the nonprofit, Texas has one of the lowest state and local tax burdens in the nation at 7.9 percent of income (ranking 45th of 50 states nationally) and below the national average of 9.8 percent.

I know statistics, usually, are quite boring and kind of tedious to have to read. But look at the taxes, living expenses, and all the things Austin has to offer.


All these statistics and more came from Austin Relocation Guide, and they are well worth the read here at:

Look at these facts and drop me a line on my Profile page at:

To Your Search for that Special Place……….Good luck and Happy Retirement

Happy Trails Ya’ll

Come Visit Any time…………Frank

Ps. Please drop me a line and let me know how your retirement is going.



Should you add Health Care Funds to your Portfolio

This is only one question that Baby Boomers are asking their financial advisers as they get ready to retire.  Should I add Health Care Funds to my Portfolio?

Baby Boomers, born between 1946 and 1964 are retiring at the rate of 10,000 a day. Most all are more educated and Healthier than their parents were when they retired.

The Rolling Stones First Album release--1964

The Rolling Stones First Album release–1964

But 10,000 people coming into the system daily there would have to be some good investments there, wouldn’t there be?

Savvy Boomers on The Move

Boomers, as we are called, are more financial and internet savvy. Boomers are more on the move now than our parents. We aren’t likely to just set around in our retirement days. Most Boomers are on the move with vacations, and with a very active life style both day and night.

Retirement Planning

1964 Last of The Baby Boomers born

1964 Last of The Baby Boomers born

Boomers are pre planning their retirement and some even delaying retirement or changing careers after retiring and starting new businesses or consulting work to keep busy and active.

Portfolio management. Does your portfolio include Health-Care Funds?

Health-Care Funds

Robert Goldsborough wrote “Historically defensive and noncyclical, the health-care sector is gaining added growth from an aging America” Goldsborough is the lead health-care analyst for Morningstar.

“An aging population bodes well for the industry’s future prospects,” he added

80 Million Baby Boomers

You should understand that with 70 to 80 million Baby Boomers coming on to the Health-Care market that weather the market is good or bad the Health-Care Fund is going to be pretty stable.


Morningstar listed several health-care mutual funds that were showing a high rate of return. Some in the teens and 20’s over a five-year period.

Goldsborough noted that the health-care sector has outperformed the S&P index each year since 2011, but “underperformed the broader U.S. equity market during 2009 and 2010.”

Ok. Wow.

Sounds like Morningstar and Goldsborough are hot on Health-Care funds. Morningstar says that there is about $130 billion invested in the Health-Care Fund market. Well I guess. They seem to know what they are talking about.

Portfolio Manager

Peppers Lonely Hearts Club

Peppers Lonely Hearts Club

Here is another guy talking about these funds. His name is Eddie Yoon, a portfolio manager and research analyst for Fidelity Investments in Boston. Looked um up. They have six offices in Massachusetts.

Eddie Yoon wrote about the Health-Care Sector having the ability to being stable, and performing consistently in the near future.

Yoon sees that the sector’s “safe haven status often buoys its stocks through downturns or pullbacks”. “Even through recessionary periods, most people will not forgo important health procedures or treatments. In the most recent past, the health care sector has also been able to outperform in up markets.”

Health-Care Exchanges

Goldsborough states that the biggest development in the health-care sector of late, has been the opening of state-based health-care exchanges that allow individuals and small business to purchase standardized health insurance policies. Receive government subsidies to offset premiums and cost sharing, and determine medicaid eligibility.”

Managed Care

Yoon’s concerns-”investor uncertainty about cuts in government spending on health care.”

“I am staying away from investment in managed care organizations, hospitals and providers and from policy centric investments in general.”


What is it?

BUDGET CUTS!!! Medicare cuts. Can you believe it? 80 million strong and we let these “Piss Aint Little Bureaucrats hat we hire and we pay tell us we have our Medicare insurance cut. WE PAID OUR INSURANCE PREMIUMS. Why are we letting these paid EMPLOYEES tell us what to do. Democrat, Republican, Independent doesn’t matter. We are all in this together. These people work for us, We Do Not Work For Them.

Goldsborough said Morningstar analysts see problems in Europe and the uncertain impact of sequestration.

“However, the drug companies have adapted to both better than expected.”

There you have it fellow Baby Boomers. Should you include Health-Care funds into your Portfolio?

I don’t know. Couldn’t tell you. I saw some of this in my travels and thought it might be helpful.

You have to admit. With 80 million people coming into the market, there certainly is some potential, isn’t there?

Have any questions or comments please drop me a line at Be glad to help if I can.

Stay active and enjoy your retirement. I love mine………..Frank