I would like to share my thoughts with you.

Rodanb + Fields A Letter To You.

Napkin-PresentationI hope this letter finds you well! I just wanted to write and say hello, and share my big news with you!

I’ve just started a business with the creators of Proactiv. They are now doing for aging what they did for

acne. Their new company is called Rodan + Fields, and was first launched into high end retail stores, where

it became a top selling clinical skincare brand in stores like Nordstroms. In an effort to reach more people,

they decided to successfully leave retail and go into direct sales. I have joined them.

We are now launching in your area and I’m looking for leaders to partner with to help us meet the demand.

We are looking for dynamic, driven people who want capitalize on joining us in the beginning!

Who do you know? I’m looking for referrals!

Here are a few factors that make this such a powerful opportunity right now:

1) You can be in at the beginning!

The company just launched into the United States a few years ago – and we are now launching your area!

We have plans to go international! We are looking for leaders we can train to the top to grow their local

market, and spring board from there!

2) Residual income available!

I’m sure you’re aware how important it is to have residual income. With our program, we have results

oriented skincare- as people continue to use it (some have used Proactiv for decades) this gives us a great

base. We also get paid 3 ways, most of them being residual: Customer sales, team volume, and bonuses

Our plan is said to be the most lucrative in the industry.

3) The products fill a huge market demand- everyone with skin!

Our Drs are practicing physicians with award winning anti-aging practices in the Bay Area of California.

They carry our products in their practices- and these products have gotten more unpaid for media coverage

(readers and editors choice awards) than any skincare company, and all of the direct selling companies


Our target market is everyone, with skin! We’re all aging all the time….that’s actually good news for us!

Everyone is looking for a solution- and we have it! We received major media coverage each month with

our new Amp MD Anti-Aging System! The month it launched, we were on the cover of Allure

Magazine, then we were on the Today Show, and we are now up for nomination for the “Best of Beauty

Award” in Allure Magazine! That’s like the Oscars for skincare!

Because of the demand, this ensures you have a stable business and income for years to come!

I will follow up with you in a few days to see what your thoughts are, and if you know anyone who is

looking for a change- and wants chat and hear about the opportunity in a positive, professional way…..OR

if there is anyone you know with a skincare challenge- the Drs can offer them the best skin of their life, and

they back it with a 60 day empty bottle guarantee!

Thanks so much for your support! I build my business on referrals, and would appreciate yours! I’m excited

to chat and catch up! Here’s a quick 5 minute video you can watch before we chat:


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My Journey with Rodan + Fields


I am proud to be a consultant with Rodand + Fields. The Better Business Bureau gave them an A+. They are ranked #50 on the Direct Selling News  report.  I feel good knowing I am recruiting people into a good company and selling good products.

I received my kit last week and very excited to share with people who are very interested in joining  a Direct Sales company. I invested $695 to start my business with Rodan + Fields. I love skin care and speaking to people about keeping their skin healthy. So this is a great fit for me.

I am looking for enthusiastic, motivated, and coachable people to be on my team. When you join my team, I will coach you on how to build your own team. If I do not have the answer, my sponsor and higher levels are here to give you the answers and to also provide you with effective training that leads to results. You can join my journey @ or if you feel you are not ready to become a consultant, you can be a preferred customer and enjoy receiving 10% off on your products along with free shipping. To be a preferred customer go to and you will love the products and see results on your face. This is the compensation plan:

You may also inbox me @ if you have any questions.

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Rodan + Fields

R+F join my team

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Direct Marketing The Business Of Today

multiple ways to earn

Direct Marketing has come a long way. There are some people who maybe reluctant to be part of this growing business. But in my opinion Direct Marketing is the way to go to generate extra income. You become in control of the amount of money you earn because it is your business.

One of the top best Direct Marketing Businesses of today is Rodan + Fields. It actually started  in 2002 by 2 dermatologist who developed Proactive. Their concept was to not only sell skin care but to make other people partners in their business by have people who are interested enroll as Sales Consultants. In conducting my research I learned Rodan + Fields is a well thought out business plan that can help many people achieve their financial goals.

As of November 19, 2015 I enrolled as a Sales Consultant. I am excited about my new business journey to financial freedom. I have the right attitude to be a Sales Consultant for Rodan + Fields because I believe in their products and I love helping others achieve their goals. I will be posting my experiences with Rodan + Fields daily to share with others how you to can be a sales consultant. I encourage you if you are searching to explore new business opportunities and would like to help people at the same time while you grow your business, join my journey ( I am in the process now of building my team and if you would like to join my team enroll @ I would like for you to be passionate, driven, determined, coachable, and enthusiastic.


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The Power of Investing in Women Entrepreneurs


The Power of Investing in Women Entrepreneurs
Candida Brush , Contributor

The data is in! Investing in women entrepreneurs results in new jobs, revenues and contributions to communities, according to our report, Investing in the Power of Women: a Progress Report on the Goldman Sachs 10,000 Women Program.

The 10,000 Women Program was launched in 2008 by the Goldman Sachs Foundation to provide business education, access to mentors and networks, and links to capital for 10,000 underserved women operating small businesses. Late last year, I and my colleagues from Babson College from the Center for Women’s Entrepreneurial Leadership worked with the Goldman Sachs Foundation to conduct the first systematic analysis of effects of this training program.

This report presents conclusions from a detailed analysis of a 50 question survey of more than 2000 participants from 43 countries who were surveyed at multiple intervals (6, 18, 30 months after graduation). We studied the impact of the training and education on growth oriented women entrepreneurs in a variety of emerging economies. Our analysis produced four important findings.
•Women are exceptional in a variety of countries and contexts! Our data shows that women participating in the 10,000 Women program on average tripled their revenues within 18 months while operating in highly competitive and traditionally female dominated sectors such as handicrafts, retail, and personal services. More impressive, they did this in spite of being generally less educated and having significantly more household responsibilities.
•Business training makes a difference. The 10,000 Women program helped women entrepreneurs to grow businesses and develop business skills. After 18 months, the effects of a training program in business showed that nearly 70% of women entrepreneurs increased their revenues more than 480%. They also created new jobs. In addition, they dramatically increased their confidence in making decisions, selling and communication and negotiation.
•Mentoring Matters. Mentoring, connections to advising and networks for women entrepreneurs not only impacts how they grow businesses, but they will “pay it forward” and mentor other women entrepreneurs and teach them business skills.
•Women entrepreneurs grow their businesses in spite of a lack of external financing. Our analysis shows that women in this program grew their businesses in revenues and employees, but financed growth largely through retained earnings. Those applying for external financing to grow usually received the money. However, the majority grew with internal funds. It begs the question as to whether they could be even more successful if they had greater access to external funding.

Our research suggests that women entrepreneurs who grow their businesses in less developed economies are exceptional role models for other aspiring women, and their success should be highlighted and showcased around the world. (For more on this, see the blog post by my Babson colleague, Patricia Greene.) The statistics speak for themselves. Investing in training for business skills, providing mentoring and access to networks matters. Women entrepreneurs are a vital component to economic growth worldwide and programs like the 10,000 Women Program are an important step in moving forward.

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4 Tips to Building Powerful Relationships


All businesses — regardless of industry or whether it’s a business-to-business or sells directly to consumers — rely on relationships. Future business and the overall viability of any small business is reliant on preserving, nurturing and expanding relationships – both with customers and influential individuals within and outside of an entrepreneur’s industry.

“Relationship building, I call it a balance sheet activity,” says Andrew Sobel, a leading authority on the strategies to grow business relationships and author of Power Relationships: 26 Irrefutable Laws for Building Extraordinary Relationships. “It’s key to build your relationship before you actually need it, especially for entrepreneurs.” Sobel offers the following advice for entrepreneurs looking to harness the power of strong relationships.

Build a list of key relationships you want to develop. Sobel recommends 15 to 20 key relationships an entrepreneur needs to build to support the growth of their business across different categories. Current and prospective customer relationships are obviously important, but colleagues could be another. Then there are collaborators. “As a small business or as an entrepreneur sometimes you collaborate with other kinds of companies,” Sobel says. “An accountant could be a collaborator, a banker could be a collaborator, a law firm could be a collaborator. It’s just the way if you’re a general practitioner doctor or internist you work with other specialists.”

Know who the catalysts are. Sobel explains that catalysts are people who you don’t sell to directly but they can introduce you to people and can make deals happen. It could be someone who just sits on a board of directors, a broker or a banker. “They’re different than collaborators because collaborators really might actively work with you in serving your customer, they might refer you customers and vice versa,” he says. “You need to get introduced to a key individual and they can do it because they have a big network. So, most of us only have one or two or three catalysts but they’re very important people.”

Prioritize the relationships. “You can’t just say ‘I’m just going to go out and build tons of relationships,’” Sobel contends.  The next step is to figure out what is on the agenda of the people on your list. It starts with building rapport and then understanding their agenda – what are they trying to accomplish in their business? “If I can frame what I do in the context of your bigger picture goals, then I’m going to be a valuable partner to you.”

Stay in touch. This could come in the form of a tweet of a link to an article of interest or an occasional lunch. “Also make sure you get good at asking people good questions,” Sobel suggests. “I have found that when you are able to frame some thought provoking questions for someone, it is much more memorable than you being smart and charming and always having a ready answer.”  The key is to build a reputation for yourself as someone who asks really interesting, thought provoking questions and is a great listener.

by Alan Hughes

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If you had $5,000.00 what would you do?


You’ve padded your emergency fund, paid off your debt and saved up a few thousand dollars – $5,000 to be exact – that you’re ready to invest. But is it best to put it in a mutual fund, certificate of deposit, index fund or exchange-traded fund?

“If you’re asking what’s the best way to invest $5,000, it’s kind of like asking what should I have for dinner tonight? Well, it depends,” says Greg McBride, chief financial analyst of Bankrate. “What do you like? What don’t you like? Do you have any allergies? What are you in the mood for? The same thing [applies] here.”

Before you get to specifics, such as how much risk you can stomach or what to choose off the menu of investments, start with the basics.

“The first question you need to ask yourself is, ‘When do I need to spend that money?’” says Manisha Thakor, founder and CEO of MoneyZen Wealth Management. “My rule of thumb is investing is something you do for the long run, which I would define as a minimum of five years and ideally 10-plus years. Once you are sure it’s long-term money, now you’re ready to really get into the nuts and bolts.”


To help you delve into those nuts and bolts, we asked financial experts for advice on the best way to invest your $5,000. They suggested options for both the short and long term, if you’re hoping to grow that money for retirement decades down the road.

[See: U.S. News Financial Advisor Finder.]

Short term

Online savings account. The best place for money you need in a moment’s notice is an online savings account, McBride says. Even though interest rates for online savings accounts are low – hovering around 1 percent – they “pay the best returns relative to the savings account offers among all the financial institutions,” he says. The returns currently compare to those of CDs, but without the early withdrawal penalties.

CDs and money market accounts. If your time horizon is less than five years, Thakor recommends putting the money in a CD with a maturity date that matches your goal. This option may be ideal if you have a low risk tolerance, since CDs are insured by the Federal Deposit Insurance Corp. up to $250,000 per depositor. The downside? You can’t touch those dollars for a predetermined time without paying a penalty.

Alternatively, money market accounts, which are also insured by the FDIC, earn slightly less interest than CDs, but you can withdraw the money at any point. Just keep in mind that interest rates are generally inversely correlated with access to your money. As Thakor puts it: “If you want unlimited access to your money, you’ll get slightly lower rates. If you don’t mind tying it up for a defined period of time, which is what you do with a CD, then you can get a slightly higher rate.”

Given their low yields, CDs and money market accounts are better for shorter-term investments, since they don’t always keep up with the cost of inflation. “Even though on paper it might look like you’re protecting your principal and [your] deposit is growing a little bit in value, you’re actually losing ground because the purchasing power is not holding,” says Paul Granucci, a financial solutions advisor with Merrill Edge.

[Read: How to Invest Your First $1,000.]

Long term

Actively managed mutual funds. Investors with a longer time horizon can afford to take on more risk for a greater return by putting their money in the stock market. Mutual funds offer an easy way for investors to gain exposure to a broad range of stocks. If picking stocks makes you nervous, fear not. With actively managed funds, a fund manager makes all the decisions for you, including what sectors of the economy to invest in and which companies are undervalued or poised for growth. But beware: Mutual funds come with fees. The average actively managed stock fund charges an annual fee of 1.26 percent, according to fund tracker Morningstar, and Thakor advises against buying mutual funds with an expense ratio of more than 1 percent.

If you do go the actively managed route, Granucci recommends a globally balanced mutual fund, which is diversified in stocks, bonds and cash and contains domestic and international investments.

Index funds. “If the goal is to try to achieve a lot of diversification and build a portfolio that you can more or less kind of set and forget, it’s hard to beat index funds,” says Christine Benz, director of personal finance for Morningstar.

With index funds, you don’t have the opportunity to beat the market, but you can keep up with the market, “which is not a bad place to be given that most active fund managers do not outperform their benchmarks over long periods of time,” Benz adds.

Thakor points out that index funds are the healthiest option on the menu – without organic food prices. “Index funds are the financial equivalent of a superfood like chia seeds or kale,” she says. “Depending on what type you pick … you can get exposure to literally thousands of stock and bond issues at a very nominal fee.” The average expense ratio for stock index funds is 0.75 percent, according to Morningstar.

ETFs. Mutual funds and ETFs are very similar. “When you buy one share of an ETF or one share of a mutual fund, you’re buying a small piece of a lot of different investments that make up that fund,” Granucci explains. “The difference is how they are managed.”

There’s no active management with ETFs, so if you’re thinking about investing in a handful, be prepared to rebalance your portfolio at least once a year (mutual fund portfolios should be rebalanced, too). Advantages include costs that are a lot lower than those of mutual funds (Morningstar reports ETFs have an average annual fee of 0.57 percent) and no minimum investment requirements. While mutual funds may demand initial investments of $1,000 or $3,000, ETFs – which are traded on exchanges and fluctuate in price during the day – cost only their current trading price, like stocks.


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Start Your Own Business!


We have been dreaming about starting your own business. We have been thinking about a great business concept but we are allowing fear to keep us from putting it into action. We work hard everyday to help a company grow and we still remain in the same salary or get little or no raise increase. We have to believe in ourselves. The same way we work long hours for a company or job we do not like we can work long hours for our own company we love. I encourage everyone to start a business from their passion and dream. Please do not sit on it. Make it happen. You can still keep your day job and work on your own business. I came across this a free Start A Business Weekend Online Event from 7/24-7/26. I registered and I hope to get as much as I can out of it. Check it out:

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Success Secrets Of The World’s Most Powerful Women


How can women cultivate career success? How did some of the world’s most powerful women manage to progress in their careers while also enjoying life outside of work? These are some of many questions I’ve been grappling with lately, thanks to a very exciting invitation to keynote the eleventh annual Sustaining Women in Business (SWB) conference in Melbourne, Australia. The event brings together 400 executive women and men from the corporate and government worlds to consider, learn and discuss how they can thrive professionally and personally. Here’s what I shared with them on Oct. 24 at the Melbourne Convention Center.

Good morning. It is such a pleasure and an honor to be here with you today. And let me tell you, it took some effort. I got on a plane in New York City on Sunday and by some magic of time zones arrived here in Australia on a Tuesday. I think on the return trip, I’ll actually travel backwards in time.

But it’s genuinely a privilege to be in a room with such talented and ambitious women and to share the tidbits I’ve learned in my years at Forbes magazine researching and writing about women’s leadership. My work has allowed me to meet incredible women at all levels of their careers: Those just starting out, filled with both fear and unbridled possibility; those who’ve found some success and are trying not only to sustain it but also kick it into the next gear; and those at the very top, from self-made billionaires to heads of state and major corporate players.

These women traveled different paths—some climbing the traditional corporate ladder, some zigzagging upwards by jumping between companies, some by starting and running their own businesses. No matter the course, there’s always one constant: Each cultivated her own success. Today we must all be entrepreneurs. Whether in or outside the corporate world, each of us must be responsible for our success, champions of our ideas and landscapers of our careers.

Great careers are no longer passed down or handed over. They must be seeded, tended and grown—and you are the gardener. When women take their success into their own hands, when they take ownership of their achievements, development and ambition, there is no limit to what they can accomplish.

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Melinda Emerson


A while back, I wrote a blog post, “Memo To Aspiring Entrepreneurs: Learn Before You Launch.” It was my effort to communicate to would-be business owners—many of them looking to escape hated jobs, desperate for an income solution after being laid off, or eager to make fast money as a mogul on the rise—that there are no easy short-cuts to successful, sustainable entrepreneurship. Too often, I and my colleagues at Black Enterprise have to tell the inconvenient truth: being your own boss takes lots of time. It takes diligent planning. It takes great, mutually supportive relationships and contacts. And most of all, it takes work, work and more work. (And did I mention work?)

Those unwilling to embrace this truth usually end up doing entrepreneurship the hardest and most costly way possible—by trial and error—and become unhappy and frustrated, if not bankrupt. Or, intimidated, they give up on their dreams of business ownership altogether, deciding that they are not really cut out for the risks and challenges of entrepreneurship. (And there is absolutely nothing wrong with that.) The rest get their mind, body, relationships and resources committed to learning exactly what it will require to take their venture from potential opportunity to profitable enterprise. These are the ones who go on to launch, build and run successful, profitable businesses.

If you’re in the last group, or aspire to be, I strongly recommend you read Become Your Own Boss in 12 Months: A Month-by-Month Guide to a Business That Works by Melinda F. Emerson. The founder and CEO of Quintessence Multimedia, a marketing video production company, Emerson does more than just steer you away from mythical short-cuts. She literally provides a month by month road map, with critical checkpoints along the way, for anyone who is truly committed to their entrepreneurial journey, bringing clarity to the fundamentals of starting a business in any industry.

Become Your Own Boss In 12 Months is not a substitute for other books aimed at helping entrepreneurs get new ventures off the ground. For example, while Emerson, a small-business consultant, devotes a chapter to business plan writing, there are other good books totally devoted to that topic. However, if you’re serious about entrepreneurship, Become Your Own Boss could well be the first book in a steady regimen of self-education and continuous learning common to all outstanding entrepreneurs. Become Your Own Boss In 12 Months is ideal as required reading before moving on to books on more specialized aspects (business planning, incorporation and financing, etc.) of launching a business.

What Emerson does best is to give aspiring business owners constant reality checks along the way, avoiding the rah-rah, inspirational tone of many books which champion entrepreneurship. Instead, Emerson blends enthusiasm for business ownership and an encouraging demeanor, while unflinchingly addressing the price entrepreneurs must anticipate, plan for, and be prepared to pay to achieve their objectives, including potential strain on marriages and other relationships, as well as the inevitable impact on their finances and their lifestyles as a whole. The fact that Emerson leads off by emphasizing that would be entrepreneurs must establish a life plan before creating a business plan—and that the two must line-up and be compatible, if not integrated, with each other—may be the best thing about the book.

If you’re even thinking about starting your own business some day—or even if you’re an established entrepreneur who started on the path to business ownership without a road map and need help deciding where to go next—do yourself a favor: Now read this. You’ll thank me later. Actually, you’ll be thanking Emerson.

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