www.MarkandZoe.com http://markandzoe.com Make The World Your Office Fri, 05 Mar 2010 05:56:26 +0000 http://wordpress.org/?v=2.8.4 en hourly 1 Is Your Superannuation Really Super? Do You Even Know What is Happening to Your Retirement Savings? http://markandzoe.com/is-your-superannuation-really-super-do-you-even-know-what-is-happening-to-your-retirement-savings/ http://markandzoe.com/is-your-superannuation-really-super-do-you-even-know-what-is-happening-to-your-retirement-savings/#comments Fri, 05 Mar 2010 05:28:31 +0000 Zoe deLuca http://markandzoe.com/?p=483 Last weekend I attended a training with our product partner company, Wealth Masters International, that brought home to me how little education most of us have on managing (and growing) our finances.

In particular, the training focused heavily on how little control Australians and New Zealanders are taking over their primary financial asset – their Superannuation.

The situation is the same the World over with Americans having their 401K accounts decimated and other countries retirement savings being degraded by the day – without most of us even noticing, let alone taking steps to reverse this.

What is happening and why should you care?

Well firstly it’s “YOUR MONEY” and it’s “YOUR FUTURE” but for the vast majority of us we hand over control of this asset to a complete stranger. Somebody with no emotional attachment to our money or us.

We then pay this person (or Company) a large amount to ‘manage’ this investment on our behalf with the ‘hope’ of future returns.

How’s that worked out for you in the last two years? Do you even know?

And when it comes to Super Funds it appears that paying more does not necessarily mean you will get the best advice and/or returns on your investment.

A new report out today called “Supernomics” by the Industry Super Network indicates that ‘tens of billions of dollars are being milked from workers’ retirement savings to pay for financial advice most people do not get.’

The report says millions of workers are charged in their super fees for financial advice that they do not receive.

“We estimate that well over 4 million people are paying for financial advice that they don’t receive.”

“For an average income earner they could spend up to one year’s wages in fees and commissions for financial advice that they don’t receive.”

And, according to Supernomics, “the money leached out in fees will cost the economy $120 billion in lost retirement savings over the next decade.” (See review of Supernomics report here by Stephen Long)

Why are we letting this happen?

Because that’s what we have been trained to do.

We are forced to put a percentage of our income into a Super Fund that generally is chosen by our employer or financial advisor and then we just hope it will be enough to retire on.

If you are self employed like us you may have “Self Managed Super” but who’s managing this? and how? Do you know?  Would you know if they were doing a bad job or charging excess fees?

I know I didn’t.

True we aren’t all “financial experts” and the rules change so often that management of your retirements savings can be a complex task. But my advice to you is this….

Seek the education.

Find out how your super is being managed and by whom. Are there cheaper fund options for you? Could/should you be managing this yourself? Or at the very least take a more active role in accessing financial advice from an alliance or Industry professional with no conflict of interest ie somebody that isn’t just selling you a service because it makes THEM the most money.

Think of how much research you do into buying a house or new car, and use the same approach in manging your superannuation. Are you really getting the best deal for you in the long term?

Our eyes have been opened wide by the financial education that we are receiving through Wealth Masters International (see my previous post for details on WMI in Australia). Wherever you chose to seek your education is up to you but I encourage you to do just that.

Stop letting a pimply faced kid with a keyboard somewhere whittle away your financial future so that Corporate headquarters can make their balance sheet look rosy enough for the CEO’s remuneration review.

Or don’t.  The choice is yours. But now you can’t say you “didn’t know”.

Love to here your comments on how you are educating yourself to maximise your retirement savings?
Agree/Disagree with me? Let me know in the comments below.

Oh and pass this information on to those your care about.
You can send them this link:  http://ow.ly/1eu2R

Hit the “Tweet” button above to share on Twitter or any of the share buttons below to post to your favourite social networking sites.

Have a “Super” Day (sorry couldn’t resist).

]]> http://markandzoe.com/is-your-superannuation-really-super-do-you-even-know-what-is-happening-to-your-retirement-savings/feed/ 0 Wealth Masters International Introduction – WMI Now A Global Business http://markandzoe.com/wealth-masters-international-introduction-wmi-now-a-global-business/ http://markandzoe.com/wealth-masters-international-introduction-wmi-now-a-global-business/#comments Tue, 23 Feb 2010 09:08:24 +0000 Zoe deLuca http://markandzoe.com/?p=462 Wealth Masters International has just unveiled it’s new product range and Hybrid Wealth Plan.

WMI is now a truly Global Business and membership is booming not only in the USA and Canada but throughout Australia, New Zealand, Europe, Asia, South Africa and around the World.

What exactly is Wealth Masters International?   Watch the WMI Introduction Video here:

For more information on building wealth with WMI products or business opportunity contact us via email at info@MarkandZoe.com or visit our business website at www.e-Bizonline.com

]]> http://markandzoe.com/wealth-masters-international-introduction-wmi-now-a-global-business/feed/ 1 “Top MLM Frustrations – 10 Delayed Gratification” Do You Really Need To ‘Fake It Until You Make It’ To Be Successful in Multi Level Marketing http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-10-delayed-gratification%e2%80%9d-do-you-really-need-to-fake-it-until-you-make-it-to-be-successful-in-multi-level-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-10-delayed-gratification%e2%80%9d-do-you-really-need-to-fake-it-until-you-make-it-to-be-successful-in-multi-level-marketing/#comments Tue, 23 Feb 2010 04:55:22 +0000 Zoe deLuca http://markandzoe.com/?p=471 If you have been in Multi Level Marketing or MLM for any length of time you will have heard of the concept of ‘Delayed Gratification’. Basically you do the work for little (or no) reward in the short term with your eyes on the bigger prize of huge residual income in the future.

But …..

Do you really have to “Fake it until you make it” to be successful in MultiLevel Marketing?

Or ….

Are you just spending yourself into financial ruin for the empty promise of future returns?

This video will help you to decide for yourself:

Yes building a business does require an investment, in terms of money, time, energy and your own hard work.  Make sure though that you are working with a business model, and within a budget, that truly sets you up for success financially in both the short and long term.

Find the business system that answered this frustration for us here: www.e-Bizonline.com

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-10-delayed-gratification%e2%80%9d-do-you-really-need-to-fake-it-until-you-make-it-to-be-successful-in-multi-level-marketing/feed/ 0 “Top MLM Frustrations – 9 “Small Commissions” Why You Need High Commission Products To Be Successful in Multi Level Marketing http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-9-small-commissions-why-you-need-high-commission-products-to-be-successful-in-multi-level-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-9-small-commissions-why-you-need-high-commission-products-to-be-successful-in-multi-level-marketing/#comments Tue, 16 Feb 2010 03:15:08 +0000 Zoe deLuca http://markandzoe.com/?p=454 Are you struggling in Multi Level Marketing?

If you are retailling low dollar value products then you are going to have to make a massive number of sales to remain in business long enough to see growth in your team and residual income.

But can your cash flow last that long???

Find the business system that answered this frustration for us here: www.e-Bizonline.com

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-9-small-commissions-why-you-need-high-commission-products-to-be-successful-in-multi-level-marketing/feed/ 0 “Top MLM Frustrations – 8 “Time Management” Importance of Personal Productivity to Succeeding in Multi Level Marketing http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-8-time-management%e2%80%9d-importance-of-personal-productivity-to-succeeding-in-multi-level-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-8-time-management%e2%80%9d-importance-of-personal-productivity-to-succeeding-in-multi-level-marketing/#comments Tue, 02 Feb 2010 02:59:13 +0000 Zoe deLuca http://markandzoe.com/?p=444 Time is money, and no one knows this better than home-based business owners. You work, you get paid. And if you don’t work, well, no one will magically deposit a paycheck into your bank account twice a month.

For most home-based business owners, that’s plenty of incentive to manage their time effectively. But how can you make the most of each work day? And why is Time Management one of the biggest frustrations to Business Owners trying to Succeed in MLM or Network Marketing?


If you want your home business to run as efficiently as possible and be as profitable as it can be, time management is an absolute must.

The hardest time you will have with time management is during the startup phase of your home business. However, it is during this phase that you need to sharpen your time management skills and get your time management policies pounded out.

When you work for someone else, your daily tasks are usually set for you and your schedule is usually managed by your boss. When you work for yourself, you have to prioritize your own schedule and you have to be self driven. If you fail on either of these responsibilities, your home business fails with you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together!

Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

We’d love your feedback on your top frustrations in building a Multi Level Marketing or Network Marketing Business and how you have handled these ‘challenges”.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-8-time-management%e2%80%9d-importance-of-personal-productivity-to-succeeding-in-multi-level-marketing/feed/ 1 “Top MLM Frustrations – 7 “Product Overload” Do You Need a Garage Full of Products to Succeed in Multi Level Marketing? http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-7-product-overload%e2%80%9d-do-you-need-a-garage-full-of-products-to-succeed-in-multi-level-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-7-product-overload%e2%80%9d-do-you-need-a-garage-full-of-products-to-succeed-in-multi-level-marketing/#comments Sun, 24 Jan 2010 07:02:15 +0000 Zoe deLuca http://markandzoe.com/?p=437 If you’re growing an MLM business then you will have often been told at Company training that you need to be “your own best customer”.

But are you really “investing” in your business for your future success or just “drowning” in products?

Product Overload is a major factor in 97% failure rate for Multi-Level Marketers.  We know because we maxed out countless credit cards just to ‘qualify’ for promotions and it nearly crippled our business.

But ….. there is a better option …..

Find the business system that answered this frustration for us here: www.e-Bizonline.com

Why do most people fail in Multi Level Marketing? I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together! Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-7-product-overload%e2%80%9d-do-you-need-a-garage-full-of-products-to-succeed-in-multi-level-marketing/feed/ 0 “Top MLM Frustrations – 6 Old School Marketing” Is There a Better Way to Succeed in MultiLevel Marketing? http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-6-old-school-marketing%e2%80%9d-is-there-a-better-way-to-succeed-in-multilevel-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-6-old-school-marketing%e2%80%9d-is-there-a-better-way-to-succeed-in-multilevel-marketing/#comments Mon, 04 Jan 2010 06:17:58 +0000 Zoe deLuca http://markandzoe.com/?p=425 Have you been told that to succeed in MultiLevel Marketing you need to “Show The Plan” to hundreds of people, pass out thousands and thousands of flyers or be humiliated begging people to fill out surveys in shopping centres?

STOP! There is DEFINITELY A BETTER WAY to grow your MLM or Network Marketing Business.

For sure, if you are going to be successful in Multi Level Marketing then you need to learn to effectively MARKET your business. However the “Old School” methods of MLM harrasment advertising simply dont work effectively in todays market.

Its time to learn Attraction Marketing.

What is Attraction Marketing and why is it a completely new approach to succeeding in MLM or Network Marketing?  My video explains ….

I am so glad I never have to do any of those ‘old school’ marketing methods again.

Find the business system that answered this frustration for us here:  www.e-Bizonline.com

Details on the Internet Marketing System that we use to promote ANY MLM, Multi Level Marketing, Netowrk Marketing or Direct Sales business can be found here: www.MLMInternetLeadSystem.com

For more information on “Attraction Marketing” and how this can help you to grow your business go to our information blog at www.RenegadeMarketerReview.com

Why do most people fail in Multi Level Marketing? I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together! Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-6-old-school-marketing%e2%80%9d-is-there-a-better-way-to-succeed-in-multilevel-marketing/feed/ 1 “Top MLM Frustrations – 5 Access to Training” Do You Need To Pay For Expensive Training to Be Successful in MultiLevel Marketing? http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-5-access-to-training%e2%80%9d-do-you-need-to-pay-for-expensive-training-to-be-successful-in-multilevel-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-5-access-to-training%e2%80%9d-do-you-need-to-pay-for-expensive-training-to-be-successful-in-multilevel-marketing/#comments Thu, 31 Dec 2009 09:13:06 +0000 Zoe deLuca http://markandzoe.com/?p=416 If you are going to be successful in Multi Level Marketing then you need to access to effective training.

What training is available to help you to succeed in your Home Business and are you maximising this?


Find the business system that answered this frustration for us here: www.e-Bizonline.com

Why do most people fail in Multi Level Marketing? I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together! Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

Have you been challenged in building an MLM or Multi-Level Marketing Business? What has been your greatest frustration and what solutions have you found? Please share in the comments section for the benefit of all home Entrepreneurs.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-5-access-to-training%e2%80%9d-do-you-need-to-pay-for-expensive-training-to-be-successful-in-multilevel-marketing/feed/ 0 “Top MLM Frustrations – 4 Spending Too Much Money” Are You Getting Rich Slowly in MLM Or Going Broke Fast? http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-4-spending-too-much-money%e2%80%9d-are-you-getting-rich-slowly-in-mlm-or-going-broke-fast/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-4-spending-too-much-money%e2%80%9d-are-you-getting-rich-slowly-in-mlm-or-going-broke-fast/#comments Wed, 30 Dec 2009 11:48:57 +0000 Zoe deLuca http://markandzoe.com/?p=404 Are you making money in your Home Business or spending more money than you are making?

After years of ‘delayed gratification’ I realised that I was spending too much money on the front end in growing my business to survive long enough to see the long term results.

If you are building a MLM Business are you (honestly) getting “Rich Slowly” or going “Broke Fast”?

Imagine Making $1000 or more from a single sale. Paid directly to you up front before you order any product. Yes this is possible if you are working with the right Business System.

Find the business system that answered this frustration for us here: www.e-Bizonline.com

Why do most people fail in Multi Level Marketing? I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together! Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

Have you been challenged in building an MLM or Multi-Level Marketing Business? What has been your greatest frustration and what solutions have you found? Please share in the comments section for the benefit of all home Entrepreneurs.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-4-spending-too-much-money%e2%80%9d-are-you-getting-rich-slowly-in-mlm-or-going-broke-fast/feed/ 0 “Top MLM Frustrations – 3 Marketing Skills” Do You to Need to Have Marketing Experience to Succeed in MultiLevel Marketing? http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-3-marketing-skills%e2%80%9d-do-you-to-need-to-have-marketing-experience-to-succeed-in-multilevel-marketing/ http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-3-marketing-skills%e2%80%9d-do-you-to-need-to-have-marketing-experience-to-succeed-in-multilevel-marketing/#comments Tue, 29 Dec 2009 03:24:18 +0000 Zoe deLuca http://markandzoe.com/?p=386 If you are going to be successful in Multi Level Marketing, MLM or Network Marketing then you need to learn to effectively MARKET your business.

So take it from a Former MLM Loser, who was going broke fast in MLM how to have success from your home business through your prospecting efforts by mastering the skill of Marketing. My video explains all …..


If anybody tells you they will build your business for you or you do’t have to learn how to market, Run, Run away fast.  You’re business will only prosper when you focus on mastering the art of Marketing.

Find the business system that answered this frustration for us here:  www.e-Bizonline.com

Details on the Internet Marketing System that we use to promote ANY MLM, Multi Level Marketing, Netowrk Marketing or Direct Sales business can be found here: www.MLMInternetLeadSystem.com

Why do most people fail in Multi Level Marketing? I have broken down my last 5 years experience into the top 10 Frustrations that will lead you to failure in MLM and how you can avoid, minimize or even negate these all together! Starting you own business or already in MLM, network marketing or direct sales? Then this video series is essential information for you.

Make sure to continue onto our other “Top 10 MLM Frustrations” training videos.

Have you been challenged in building an MLM or Multi-Level Marketing Business? What has been your greatest frustration and what solutions have you found? Please share in the comments section for the benefit of all home Entrepreneurs.

]]> http://markandzoe.com/%e2%80%9ctop-mlm-frustrations-%e2%80%93-3-marketing-skills%e2%80%9d-do-you-to-need-to-have-marketing-experience-to-succeed-in-multilevel-marketing/feed/ 0