MKS: Finances Got You Down?

Here’s What You Can Do To Experience More Abundance:

There are many people in the world who struggle with financial problems due to a variety of reasons.

In third world countries, people experience poverty due to things like lack of industry and resources. Here in the West, there are also plenty of people who are not happy with their financial situation. Since COVID came along, even more people are struggling financially.

Lack of finances can cause a great deal of anxiety and can lead to depression as well.  Having to worry about whether you have enough money to pay the bills and provide for your family can be disheartening.  We all want to have enough, but due to unemployment, poor money management skills, ignorance, and a heap of debt, many families struggle financially year after year.

Asking For Help

If you are struggling with depression due to financial problems, maybe it is time to sit down with someone who can offer you some help. 

Maybe it is time to sit down with a Master Key system coach who can offer you some help. 

You can either discuss your situation with a trusted friend or family member that has successfully managed their money, a financial planner, a life coach, or therapist. 

Admit that you are struggling financially and that you want help.  The first thing you can do is evaluate what can be done to reduce expenses and increase income.

Why “Some People” Make It (And How You Can, Too!)

What is the difference between someone who “makes it” — that is, someone who gets what they want out of life and is what we would call successful — and someone who does not?

I am sure that you ask that question fairly often. I know that I do!

Is it talent?

Intelligence?

Courage?

An “X” factor?

Let us see. While all of those are helpful, I do not think that any one of them — or even all of them together — tell the full story.

There are plenty of talented people who will not “make it.” Frankly, all we have to do is look at what is on TV sometimes and it is very easy to come to the realization that actual talent might be pretty low on the list.

The same is true for intelligence. Sure, being smart is good and even desirable, but it is not a golden ticket to the good life. Far too many times I have seen it hinder people rather than help them!

I think that courage is higher on the list. Once again, though, for every Donald Trump out there getting face time on the news or Richard Branson “performing an outlandish stunt, there are probably ten or more “shy” people who are quietly “making it” and living the life of their dreams.

What about an “X” factor — that unknown or indescribable element that we see in some people. Sometimes it is amazing talent or skill and other times it is a personal thing, like incredible charm or the “gift of gab.”

The “X” factor does play a role, without a doubt. Not everyone can thrill a crowd or attract our attention like many of the people we see on the news, especially in the entertainment world.

Again, though, it does not tell the full story. Behind the scenes there is the hard work, the talent, and all the other factors that got the person to where they are.

So, what is it? What is the difference between the people who “make it” and those who do not?

The people who make it understand.

Yes, they may have one or more of the items we listed. The deciding factor in “making it” comes from their understanding.

What do they understand?

They understand how “it” works. They understand how to take the things around them and use their abilities to create what they want. They understand the nature of things, especially the things that impact their business, craft, or vocation.

Understanding is not merely knowledge. It is definitely not ruling or dogma or convention. It is absolutely not rote processes or methods.

It is sort of like “seeing.” When a person understands, they have a complete — or as close to it as possible — view of what they are doing and how it interacts with everything around it.

Here is an example: I am certain that at some point in your life you replaced the air filter in your car. It is an easy thing to do. However, do you understand what the air filter does? How it works? Why it is there? Why you need to replace it? What it does for the car?

Yes, some of that is merely knowledge, but taken together it makes understanding.

And that is why your mechanic can charge you a small fortune for even the slightest repair on your car!

With this one example I am sure you can see why — and perhaps even how — this idea of understanding is so important to you and your life.

That is why The Master Key System is so important — because it provides you a way to truly acquire this understanding. That is why Charles Haanel’s Master Key System course is so awesome — because it imparts an entire philosophy that fosters the growth of understanding within you.

May be an image of outdoors and text that says 'You must tell yourself, "No matter how hard it is, or how hard it gets, I'm going to make it." Les Brown'

Please feel free to contact us or to LIKE and SHARE this article.

As always, please let me know if I can be of service to you.

Very truly yours . . .

Michael Kissinger

Sydney Reitenbach

Phone 415-678-9965

Email: mjkkissinger@yahoo.com

 

MKS: Is the Law of Attraction a Secret?

Is it really a secret when in reality we all use it everyday? Reality and everything around us are what we have created within our own mind.

The Master Key System tells us our minds are essentially in control of all that we see happening outside of us. As a result, we are completely capable of choosing which direction our life takes.

When the world as you know it has collapsed around you what is the secret to finding happiness once again?

The answer may be found within the Law of Attraction.

The key to life and eternal happiness has been known to a select few who have become some of the most prominent figures in history.

From Plato to Beethoven, Einstein to Shakespeare. These prestigious people understood the secret laws that governed their lives. Now you have the opportunity to discover them too when you enroll in the Master Key System.

With the Law of Attraction, life can ultimately be defined as this; we are the masters of our own universe. Your life and your happiness are completely in your hands and your hands alone. This is an astonishing fact that will, unfortunately, go unnoticed by the majority of people.

However, for those who come to recognize the remarkable possibilities that are available to us through the Master Key System, we can rejoice knowing that our lives have been forever changed for the better.

To begin understanding the Law of Attraction and our involvement in it, think of everything around us as being possible movements of consciousness that we are continually filling with our thoughts and emotions, bringing them into manifestation around us.

It is important that we come to recognize that the world is not independent of our thoughts and experiences. Instead, it is subject to our minds which are creating what we see around us every second of every day.

So, now that you have been made aware of the basics of what some people perceive as ‘the secret to life’, what should be your first course of action? Enroll in the Master Key System.

The Science Behind the Law of Attraction

So, you want to delve deeper into the secrets behind the Law of Attraction? Then the first thing that you should turn your attention to the Master Key System.

The Master Key System suggests that everything in our surrounding universe has stemmed from our thought; with the human brain functioning as the direct power source of everything we experience and see.

The Master Key System also tells us that everything is made up of energy. We ourselves are pure energy. However, whereas before scientists believed all matter to be static and predictable, new scientific studies show all manners of ‘matter’ and energy to instead be responsive and ever-changing.

  • This has led many scientists to believe that ‘matter’ consists more of ‘thought’ rather than definite ‘information’.
  • This suggests that ideas and concepts are more likely to be responsible for creating all that we see around us in the physical world.
  • This then begs the question, if you too are made up of an ever-present and ever-changing energy, where is there an end to what we are capable of achieving?

Many people will often describe the creator of the Universe to be God or Spirit, who in turn, they will describe as something ever-present and ever-changing. This can only suggest one thing, that you are in fact the very creator of your own Universe.

Once you have gained a basic grounding in the teachings of The Master Key System and how it can show you your relationship with the surrounding Universe, you should be able to imagine yourself as a power transmitter.

You continually emit frequencies into the Universe.  It is this frequency that you emit that is what you attract and receive back from the Universe into your own life but in larger quantities.

This highlights why it can be so important to learn how to take control over your thoughts and the emotional frequencies emitted. It can help to choose which direction your life can take.

You may benefit from learning from a Master Key System expert, or from one of the many Master Key Experience teachers and reading the Master Key system book like we did.

Moreover, by accepting that everything surrounding us emerges from thought and by beginning to take credit for the input that we have into the world around us, we can begin to have confidence in our ability to take control over the reins of our destiny. We can create a world for ourselves that before we may never have imagined being possible!

If you want to use the Law of Attraction in your life to get whatever you want, contact us now and enroll in the Master Key System today.

Michael Kissinger

Sydney Reitenbach

Phone 415-678-9965

Email: mjkkissinger@yahoo.com

PS. Are You Interested in A New Way to Learn and Grow in other areas of your life or business? Consider enrolling in one of the many courses we offer.

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MKS: The Right and Wrong Way to Discuss Earnings

Network marketing opportunities and income claims go hand in hand. It’s just a fact. Ours is an industry that provides financial opportunity, which naturally leads prospects to ask the very basic question: “what’s in it for me?”

It’s human nature. Regulators know this better than anyone. This leaves companies and distributors in a tricky position. Does the business prohibit ALL talks of income, thereby limiting the excitement of those involved and their desire to share the products and opportunity with others?

Or on the opposite end of the spectrum, should a company just “let it go” and allow the field to say and do whatever it wants (i.e., the don’t see, don’t ask, don’t tell posture)?

The answer lies somewhere in the middle with a more targeted, training-intensive approach.

In Part One of this series, we explored the FTC’s historical perspective on how it evaluates and enforces income claims. The long story short is this: the presence of income claims comes with the need for adequate disclaimers and disclosures.

To conclude our look at income claims, this article will propose how companies and distributors should position income claims and the type of training necessary to educate the field on what they can and cannot say.

Guidance from the DSSRC

Seeing that income/earnings claims represents one of the greatest challenges faced by network marketing companies, the Direct Selling Self-Regulatory Council (DSSRC) put out an informative document that provides guidance on the subject.

The DSSRC expounds upon key principles surrounding claims through the use of educational examples of social media posts.

Some particularly noteworthy principles the DSSRC touches upon includes the following:

  • Earnings claims should always factor in and mention distributor costs associated with operating a business (e.g., registration fees, travel, mandatory attendance at company events).
  • The FTC holds companies responsible for what its distributors say, especially with respect to social media posts.  “A direct selling company is responsible for the earnings claims made by its salesforce members.“
  • Words/phrases like “quit your job,” “replacement income,” “career-level income,” and “unlimited income” are examples of problematic (and in some cases outright prohibited) lifestyle claims that are likely misleading to the average consumer.

After reading all this, you may be thinking — what the heck can distributors say about compensation?

The answer is a lot so long as income/earnings messages are done correctly. If I had to pinpoint the single biggest thing companies and their sales force fail to do in generally discussing compensation it’s this: A failure to convey generally expected results.

Examples

Let’s look at some examples to better understand what this all means.

Example A – a Facebook Post:

Since I joined BestMLM in the fall of last year, I’ve earned $2,400/month.

What’s wrong with this?

Well, for starters there is no reference to the average annual income typical of BestMLM distributors. A modified version of the post would include an asterisk after the quote and the following phrase displayed clearly at the bottom of the post, “In 2020, the typical annual income earned by a BestMLM Distributor is $435.

Please click the link to review our full income disclosure document.” Without that disclaimer featuring the average income, the social media post is atypical of what a BestMLM distributor can expect to earn and therefore misleading in the eyes of the DSSRC and regulators.

Secondly, both the DSSRC and the FTC may question whether the earnings amount ($2,400) includes the appropriate context, like incorporating in costs associated with running a BestMLM business.

Let’s say, for hypothetical purposes, that the BestMLM opportunity requires $99 in back-office fees every month and the purchase of $200 of inventory for resale per month.

This would mean the BestMLM Distributor should incorporate the $300 costs into her original statement, which would reduce her claimed earnings of $2,400/month down to $2,100/month.

Example B — an Instagram post:

Thankful BestMLM rewarded all my hard work with a much-needed trip to paradise!

This lifestyle claim is deficient. The key question here is how common it is for a BestMLM distributor to get this sort of incentive trip.

The correct thing to do would be for this poster to include at the bottom a disclaimer highlighting either the average income or the number of BestMLM distributors who typically earn this sort of trip.

The disclosure provided in the example above would suffice (“In 2020, the typical annual income earned by a BestMLM Distributor is $435. Please click the link to review our full income disclosure document.”) [i.e. Income Disclosure | Amway United States]

Or the following: “Of BestMLM’s 45,000 salesforce members, about 2,200 outstanding Distributors achieve this sort of incentive trip this year.”

Without a disclaimer adding in some important context, the impression for those who view the post would be that the incentive trip is something to be expected.

Example C — a testimonial video from a top-earner in BestMLM:

In 2019, I earned $1.2 million working as a BestMLM Distributor. Safe to say, this was the best decision of my life.

Let’s say this claim is completely truthful and that this top-earner did in fact earn $1.2 million as a BestMLM Distributor. That is, the company can substantiate the accuracy of the proposed earnings. So what’s the problem?

Well, the FTC has taken issue with even truthful testimonials from a small minority of people if the presentation fails to include the amount earned/lost by most participants — or the average generally expected results.

Nevertheless, this claim in my opinion is STILL problematic even WITH a disclosure of average earnings.

In a recent speech given to the DSA by FTC Commissioner Noah Joshua Phillips, he spoke of the risky nature by which companies tout extraordinary earnings not reflective of what the typical participant achieves.

He stated, “In fact, after a consumer sees a claim about atypical earnings, it will likely be difficult to correct that consumer’s impression with a disclaimer so that you leave him or her with a truthful net impression.”

This is another way of saying that a disclaimer is likely not an adequate remedy to any impression that BestMLM Distributors can or will earn a million dollars in a year.

Therefore, touting career-earnings by top network marketers is a risky proposition for companies in the current regulatory environment that’s probably best avoided.

Good Compliance Starts with Good Training

Companies cannot expect distributors to inherently know what they can and cannot say about income. A strong compliance culture starts with necessary training.

MLMs must expend time and resources on providing back-office tools to its salesforce members. These tools may take the form of company newsletters covering topics on income disclosures or social media posts discussing money.

Teaching distributors where the Income Disclosure Statement is located and how to affix it to testimonials, social media posts, and other messages.

Training needs to be part of the company’s culture. It’s not a one-and-done thing, the education never stops.

Once the right training is in place, companies must then monitor the field. People will inevitable make mistakes. Perfection isn’t the standard, accountability is.

Compliance Departments should document when disciplinary measures occur and the actions taken to correct the inappropriate behavior. If regulators start asking questions, a buttoned-up compliance program full of effective protocols that are actually enforced can go a long way.

Have any questions about income claims or what you or your company can do to more effectively enforce its compliance program? Contact us.

Michael Kissinger and

Sydney Ritenbach

Phone 415-678-9965

Email: mjkkissinger@yahoo.com

Article by: Thomas Ritter an associate attorney at Thompson Burton PLLC. See: Distributor Resources Archives – The MLM Attorney (thompsonburton.com)  His practice area focuses primarily on cybersecurity law, which includes an assortment of data protection and privacy-related matters, and a wide-variety of business transactions. He assists diverse businesses from well-established companies to early stage start-ups.

DISCLAIMER: Our vision is to help you bring your biggest dream into reality. As stipulated by law, we cannot and do not make any guarantees about your ability to get results or earn any money with our ideas, information, tools or strategies. Your results are completely up to you, your level of awareness, expertise, the action you take and the service you provide to others. Any testimonials, financial numbers mentioned in emails or referenced on any of our web pages should not be considered exact, actual or as a promise of potential earnings – all numbers are illustrative only, as I’m sure you understand. That being said, we believe in you and we are here to support you in making the changes you want for your life and giving you methods, strategies, and ideas that will help move you in the direction of your dream.