The Truth About Multi-Level Marketing Written by Dean Phillips
I know I'm going to ruffle a few feathers with this article, so let me just say right now that all MLM marketing (AKA network marketing) companies are not scams. Obviously, there are some good, reputable companies out there.
However, there are so many bad ones that I'm compelled to lump entire industry together. If you're thinking about getting involved with MLM, my advice would be, DON'T!
However, if you're bound and determined to test waters, then, please take this one bit of advice: Before getting involved with any MLM company, investigate, investigate and then, investigate some more. Don't believe and get caught up in hype.
Ahhhh yes, hype! After you attend a MLM rally, you and your MLM colleagues are as fired up as a pack of hungry dingo's, ready to jump through burning hoops and run through concrete walls! And then reality sets in. You're buying all of these products, but you're really not selling a whole lot.
How Not To Get Hooked By A "Phishing" ScamWritten by Dean Phillips
First of all, for those of you unfamiliar with term, "Phishing" is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.
Phishers send an e-mail or pop-up message that claims to be from a business or organization that you deal with--for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information.
It might even threaten some dire consequence if you donít respond. The message directs you to a website that looks exactly like a legitimate organizationís site, but it's not. The purpose of bogus site is to trick you into divulging your personal information so fraudsters can steal your identity and your money and run up bills or commit crimes in your name.
Recent phishing victims include Yahoo, Citibank, eBay, Best Buy and Bank of America among others.
The Federal Trade Commission, (FTC) nationís consumer protection agency, suggests these tips to help you avoid getting hooked by a phishing scam:
If you get an email or pop-up message that asks for personal or financial information, do not reply or click on link in message. Legitimate companies donít ask for this information via email. If you are concerned about your account, contact organization in e-mail using a telephone number you know to be genuine, or open a new Internet browser session and type in company's correct web address. DO NOT click on link in e-mail message.
Donít e-mail personal or financial information. E-mail is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organizationís website, look for indicators that site is secure, like a lock icon on browserís status bar or a URL for a website that begins "https:" (the "s" stands for "secure").