HIGHLANDER CLUB

“Great fortunes are made through Fellowship, Knowledge and an Abundance of Opportunities.”

DECEMBER 2003
Volume 8 — Issue 12
Highlander Member
5 Easy Ways to Spot
the Scammers
Gets $1,000 For
Is the Opportunity You’re Looking
at Legit? We'll Show You What
to Look For and How to
Toy Business!
Avoid the "Bad Apples." .............1
Highlander Tyson Gibbs’ business
How to Improve idea gained him a $1,000 gift from
Your Profits...
With Customers You
the Club. Could you be next?
Already Have ...........................3 Tyson Gibbs is a professor of Anthropology at the University of North Texas.
He is also a Highlander Club member in good standing and a fledgling
Find Lost Money and entrepreneur.
Get Rich You see, Tyson has taken his 18 years of experience in selling antiques and
You May Be Entitled to Thousands collectibles and translated it into a new business venture, manufacturing and
of Dollars. Find Out How You selling unique plush toys.
Can Stake Your Claim! ............4 “According to Playthings Magazine (the toy market trade publication), plush
toys sales have increased over the past ten years,” says Gibbs. “In fact, plush
Use these Strategies to Build toys rank second in sales among all toys sold.”
a Better Business in 2004 What Gibbs has been able to do is use his expertise as a collectibles seller
11 Super Tips You Can and find a niche market for his new plush toy. He also was able to contract
Use to Give Your Business manufacturers to produce the toy and copyright the name and design.
That Winning Edge in the All he needed was a little extra helping hand to finish the final prototypes
New Year! ................................5 of the toy.
That’s where The Highlander Club came in…
Continues on page 2
Network for Profits
Reach Out to Other
Members and Share 5 Easy Ways to
Your Great Fortune ................10
Spot the Scammers
Is the Opportunity You’re Looking at Legit?
DID YOU KNOW...
According to a 1997 The Big Three
Gallup poll, 29 percent of In case you haven’t noticed, there are now three certainties in life: Death,
taxes, and someone asking you to take a look at their multi-level marketing
Americans found the
opportunity.
Christmas holidays more A discussion of death is certainly worthwhile, but it is more suitable in a
stressful than enjoyable. religious forum than here. As far as addressing the issue of taxes is
concerned, I’d rather not, thank you very much.
Continues on page 8
December 2003 • Volume 8 - Issue 12

“I wrote the club seeking some financial assistance for my business

CHIEF COUNCIL idea,” says Gibbs.
“ I had done all the necessary research and began creating some of the
prototypes myself. I even copyrighted the name of my new product that I
predict will be one of the most popular new products on the market.
However, I still needed some funding to create some more prototypes.”
The Highlander Club received his detailed business plan, along with
Michael Newman Nina V. Walters photos of the prototype plush toys. This document was circulated through
Chairman Executive Director
the Chief Council and other members. Then the decision was made to call
EDITORIAL Mr. Gibbs.
“The Highlander member on the other end
of the phone asked me a few questions about
“I was then my new business idea. He then proceeded to
informed that inform me that the Club was going to send me
a check for a $1,000 to help create more
Jeffrey Dobkin Kevin Nunley this was not a prototypes. I was almost speechless. I was then
informed that this was not a loan, but a gift
loan, but a gift that did not have to be paid back.”
Moving? Missed an issue? Please let us
“We think this product is going to be a real
know within 90 days of moving or if you
have not received an issue. After this time
that did not have winner,” explains Nina Walters, Highlander’s
period, missed issues can be purchased for
US$10 each including shipping and han- to be paid back.” Executive Director. “After studying his
dling. Write to: Highlander Club, 777 S. professional proposal and evaluating his
Flagler Drive, Ste. 800W, West Palm Beach, financial request, we decided to get other
FL 33401-6163, USA. Or call between 9am members involved. Their enthusiasm is evident by the $1,000 grant we
to 5pm EST; (905) 760-9929 x300; Fax
(905) 760-2809. were able to raise for Mr. Gibbs’ business.”
“This is what we’re here for. To help Highlander members like Tyson
Contact Us Gibbs overcome that one last hurdle towards business success. We all think
If you have a question or comment about
the monthly memorandum, write to the
he’s on his way to something special, and we had to get involved.”
Editor in care of Highlander Club, 777 S. As for Tyson, he says he will use the funds to create more prototypes and
Flagler Drive, Ste. 800W, West Palm Beach, get his business in full gear.
FL 33401- 6163, USA, Fax (905) 760-2809.
Subscription rate for the Highlander Club
“This gift is really going to help grow my business. Thank you very
newsletter is $80 per year. If you have a much Highlander Club! You really made my day!” ■
question about your subscription, or want
to renew your subscription, change your
address, or order a Highlander Club Special
Report, write to Member Services, 777 S.
Flagler Drive, Ste. 800W, West Palm Beach,
Tyson Gibbs
FL 33401-6163, USA. Or call between 9am
to 5pm EST; (905) 760-9929 x300; Fax
Tyson Gibbs
(905) 760-2809.
© 2003 by Highlander Club, 777 S.
Flagler Drive, Ste. 800W, West Palm Beach,
FL 33401-6163, USA. All rights reserved.
Images by Corel, Corel Stock Photo Library,
and PhotoDisc. The Club is not promising
or guaranteeing that you will become
wealthy because of the information in this
newsletter or our special reports and pro-
grams. There is no guarantee of future prof-
its. Copying any of the Club’s published

Happy
information is strictly prohibited. The ideas
expressed herein are the opinions of
Highlander Club only. That said, we believe
you’ll discover vital money secrets and
wealth angles not available anywhere else.
The Executive Staff, Research

Holidays
Department and the Editors of Highlander
Club are proud of the reputation we’ve built
since our inception in 1991. Simply, we
believe the advice presented to you in our
published resources and seminars is the
best and most useful available to you, the
global entrepreneur. to all Highlander Club members.

2

How to Improve Your Profits...
With Customers
You Already Have
Recently, businesses have started tallying up what they
spend to get each customer. One car dealership estimates
every new customer costs at least $100 in advertising. An
e-commerce firm figured out that, by the time it advertises
and gives incentives to get customers, the cost is $250 per
customer.
These examples illustrate one of the biggest problems
businesses have today. Generally, when we think of
building bigger profits, we think about getting MORE
customers. That isn’t the whole picture. For bigger,
quicker profits, market to the customers you already have!
It would be great if your marketing hit the consumer
and instantly persuaded her to buy from you now, but the
process is often more complicated. Here’s why focusing
entirely on new customers can bleed your marketing
budget dry, with little sales to show for it.
Stepping up to “The Sale”
Before anyone buys from you, he/she has to step through
at least four stages:
1. You get the person’s attention (the toughest stage of all,
since we are bombarded with hundreds of marketing
messages every day).
2. You get the prospect to think about your offer.
3. The prospect must make up his/her mind to buy from
you.
4. Then the prospect must take ACTION to buy from you.
All four steps take marketing effort on your part. Each
step can represent another ad you need to buy to march
your prospects toward a sale.
Even if someone buys, however, he/she may never
come back to you to buy again. Studies show many people
do not accurately remember where they bought things,
just several weeks after the purchase. Yet, at the same time,
current and past customers are the easiest people to sell to
again.
All this clearly leads to one thing: You need to stay in
touch with customers you already have, as well as any hot
prospects who have shown an interest in your business in
the past. This group is the most targeted and willing
audience you will ever find.
Build Your House List
Start right now to make a list of people who have bought
from you in the last week, during the past month, over the
past six months, and within the past year. The idea is to
develop a variety of different lists, so you can send the
right offer to interest a particular demographic.
3
December 2003 • Volume 8 - Issue 12
If you see that a big group buys one product or service,
while another group goes for a different offer, divide your
customers up along these lines. You can double, triple,
and even quadruple your response rate by making your
ads zero in on exactly what your customer wants.
Here’s how this works: Meredith’s sewing shop
includes two major groups of customers: people who buy
supplies to make crafts, and people who like to design and
make their own clothes. Some of the crafters only come in
around the holidays. Others are more active during the
winter months when they spend more time indoors. A
large group, those who design their own clothes, have no
interest in other crafts.
Meredith can develop specials, new products, and
offers to interest each of her main groups of customers.
The seasonal crafters could get her mailing (a flyer) one
month before each major holiday and two months before
Christmas. Other crafters could get her information
monthly or only during winter months. She could send
the clothing designers another mailing only featuring the
specific products of interest to them.
You can use any database program to keep your lists
organized. Most word processing programs include a basic
database feature, or you can use a more specialized
program like Microsoft Access.
Market to Your List Economically
The main reason for creating your in-house list of
customers and hot prospects is to keep your business in
their minds. These days, people have LOTS of options
when it comes to where to spend their money, even when
buying specialized products and services.
In your area, there might be anywhere from a few to
dozens of businesses selling the same things you do. There
may be thousands more on the Internet that can take your
customer’s credit card order and deliver the product
within a few days. If you don’t work to stay in the minds of
December 2003 • Volume 8 - Issue 12
your customers, others will.
But, how do you work your list without taking out a
major loan from the bank? Sticking stamps on thousands
of letters can add up in a hurry.
Smart marketers who have come before us have
endured all the trial and error to give us two good
answers: Thousands have found that the best two low-cost
marketing tools for working an in-house list are postcards
and e-mail.
Postcards are cheaper than letters to send, and they
don’t require the customer to open an envelope. Having
no envelope is a BIG advantage. I didn’t fully appreciate
this until I watched my neighbor pull his mail out of the
mailbox, walk over to his trash can, and start to drop
letters in after only a momentary glance at the envelope.
Put a color photo or graphic on one side of your
postcard. The other side should have your main offer in a
bold, black headline. Follow it with a deadline for the
offer. Busy people may put off buying and soon forget
about you. Your postcard offer will never be more
powerful than it is right now when the customer has it in
his hands.
Finally, be sure to tell people—briefly—how to buy
from you. List your web site, phone number, store
location, and e-mail address.
Find Lost Money and Get Rich
When was the last time you stuck your hand in the pocket
of an old pair of jeans and discovered a quarter or, better
yet, a five-dollar bill? Nothing compares to the good
feeling of finding money we didn’t know we had.
Unfortunately, finding money in our pockets is not a
common occurrence… So, let’s do a little legwork and find
money that we didn’t even know we had!
Looking for your lost money is not difficult. If you have
changed your address, it is entirely possible that,
unbeknownst to you, some of your funds were lost and
transferred to your State.
Amazingly enough, one out of every eight Americans has
assets owed to him/her. Stranger still, most of these people
don’t even know the money is missing in the first place!
“Lost money,” commonly known as “unclaimed
property,” refers to any financial asset (not real estate) that
has been left inactive by the owner for at least three years.
Usually, unclaimed property is comprised of tax refunds, old
bank deposits, refunds, securities, money orders, untouched
benefit checks and dividends, certificates of deposit, paid-up
life insurance policies, safe deposit box contents, trust fund
distributions, credit balances, and so forth.
To discover your lost money, you will want to phone
your State Treasurer’s Office and speak to a representative
working in the “unclaimed property” department.
4
Building an e-mail list is even easier than a “snail-
mail” list, and it’s almost free. Unlike a postcard, your e-
mail messages can contain just as much information as
you want to provide to your customers. BUT, be careful
how you gather addresses.
Get a free list management service, like eGroups.com
or Topica.com. Both will give you a form to put on your
web site to gather e-mail addresses. You can also place a
printed form in your office or store so that customers can
request to get on your list. Make sure you keep the form
they filled out, in case there is ever a question.
E-mail messages tend to work best if they offer helpful
information, along with brief advertising messages. I put a
short article with tips my customers will appreciate right at
the beginning of the message, then follow it with a short ad.
There’s an old saying that 80% of your business will
come from 20% of your customers. Building your own in-
house list and marketing to it consistently will allow you to
pull even more business from people who have already
proven they like to buy from you. ■
Dr. Kevin Nunley provides marketing advice and
copy writing for businesses and organizations.
Read all his money-saving marketing tips at
http://DrNunley.com/. Reach him at
kevin@drnunley.com or 603-249-9519.
That representative will
check the records to see if any
monies or other property are
being held for you. With any
luck, you’ll not only get a check,
but you’ll also get the interest
that goes along with it.
Moreover, there’s no time limit
for a rightful owner or heir to
claim the assets. The State acts
as a custodian. A quick letter or
phone call may be all that it takes to put some found money
in your pocket.
For more leads, check out: www.unclaimed.org and
www.missingmoney.com. ■
Adrian Newman is an income and business
opportunity specialist and the founder of The
Wealth Liberty Institute. If you would like to
receive unlimited wealth building opportunities
and informative articles delivered to your e-mail
box go to www.wealthliberty.com and sign up for
the Five Minute Millionaire. You’ll be added to the Wealth
Liberty Institute’s exclusive list and receive Adrian Newman’s
wealth-building newsletter absolutely free.
 December 2003 • Volume 8 - Issue 12

Use these Strategies

to Build a Better Business
in 2004
Here are some suggestions on how to improve various
aspects of doing business:

Be a Better Bank Customer

For most business owners, there will inevitably come a
time when they will have to deal with a bank. The quality
of your relationship with your banker can either make or
break your business. To build a trusting relationship with
your banker, try the following:
• Arrive at your banking appointments on time;
• Send your banker a short note every few months
informing him or her of how your business is doing;
• Invite your banker to visit your business so s/he can see
it in action; and
• Invite your banker to your company’s
Christmas party or any other special
social event as a way to thank him/her With these strategies
for facilitating your company’s
growth.
your business will
practically run itself—
Get Some Free Press
If your local newspaper, radio station, or freeing you up for
television station covers a story about
your business, it will likely help draw
all the things you
customers to your business even more love to do! • Find out what timing will best
than your own paid advertising—plus, suit the media. For instance, if
it’s free. However, it can be difficult to you schedule your press
attract media attention to your business. Here are some conference for the late afternoon or early morning, the
tips for dealing with the press: media may not be able to attend due to deadlines. Also,
• Know your market and which media outlets the press will be more interested in stories with a news
(newspapers, magazines, television, or radio) will best hook between Monday and Friday, and they will save
reach it. Then consider the needs of the media outlets human-interest stories for weekends and holidays.
that you’ll require and make sure that you can meet
them. For instance, radio will require compelling audio; Make Your Web Site Work
• Find a story. The press won’t plug your business just
because you ask. You’ll either need to have a news hook If your business isn’t already on-line, there’s no time like
(which is rare), a creative gimmick, or a celebrity the present to get started. If you already have a web site,
connection. You might want to consider offering a you’ll want to make sure it’s effective. Here are some tips:
charity fundraiser through your business and invite Make sure your site is useful
local celebrities and dignitaries to participate, in hope Include how-to articles or handy tips on your site. If your
of attracting the media; site is useful, other sites may be interested in linking to it,
• Write a press release. Make the media’s job easy by which may ultimately attract more traffic to your site.
providing a press release. This should be a concise
summary of events with a compelling introduction that Go Global
answers the “who,” “what,” “when,” and “where” of the Expanding your business to another country may really
story; and help boost your bottom line. However, before you go

5
December 2003 • Volume 8 - Issue 12
global, you should do your homework. Contact local trade
commissioners who might be able to refer you to industry
contacts in your preferred countries as well as other useful
service providers, such as translators. During any foreign
business trips, find out if there will be any relevant
tradeshows, exhibitions, or chamber of commerce
meetings that will be held during your stay.
Hire Top-Notch Employees
Your employees will play a huge role in making your
business a success, so it’s important to hire the best people
you can. Here are some tips for preparing job ads that will
attract the cream of the crop to your business:
• Place the job title in your headline since most
job-seekers will scan job ads by title. They’ll also want to
know the salary range up front, so they won’t waste
their time, so place that information in the body copy
of your ad;
• Feature your company’s name prominently in your ad,
without having it compete with the headline. You might
also want to place your company’s logo at the bottom of
your ad; and
• Emphasize the perks that come with the job, such as a
great benefits package or access to cutting-edge
technology.
Retain Good Employees
As mentioned, your employees are the backbone of your
company. And, since good employees are hard to find, if
you have good ones, you should strive to keep them.
Besides, if you boost staff morale at your company, your
employees may be motivated to work harder for you,
which may ultimately improve your bottom line. Here are
some tips for improving your relationship with your staff:
• Offer a profit-sharing plan so that every employee will
have some level of ownership in the company. That
way, they’ll be more motivated to meet quotas and/or
6
deadlines and increase the company’s productivity;
• Provide unexpected training opportunities on topics
such as how to write business letters or effective
speaking skills, etc. Not only will your employees likely
appreciate having the new skills, but the training may
also help improve business;
• Ask your staffers for feedback. This will let them know
that their opinions matter, plus you might just get
some great ideas out of your meetings when you put
your heads together; and
• Give your employees handwritten thank-you notes
when they’ve handled a particular task well or they’ve
taken time out of their busy schedules to attend a
meeting with you. Or, spring for donuts or desserts for
staff every once in a while or throw a
company Christmas party to show your employees
that they are appreciated.
Cut Your Costs
Many companies waste money through overpayments to
suppliers, outdated contracts, and inattention to detail.
However, if you scrutinize your invoices, review your
contracts, and renegotiate your prices, you’ll likely be able
to slash your costs without reducing your service. Here are
some tips:
• Promote cost-cutting in all of your company’s
departments. You might want to offer rewards to any
employees who can help your business save money;
• Review your current supplier arrangements
periodically, including insurance and bank charges,
and compare their prices with competitors. If you
discover that you can get the
products/services cheaper elsewhere, you should first
try to renegotiate your contracts, and if not, take your
business elsewhere; and
• Question every price increase. Stress to your suppliers
that your company can’t handle cost increases. They
might be able to give you some ideas on how to reduce
your costs with them.
Trim Your Tax Bill
You likely dread tax time and that may never change—it’s
a hassle for everyone involved. However, you can make
next year’s tax bill a little less onerous if you adopt some
of the following tax-saving strategies:
• Hire your family. If you hire your spouse or your
children to perform some of your usual tasks, the
salaries paid to them will be taxed at a lower rate than
if they were paid to you;
• If you need new equipment, buy it, and put it into
service before the end of the fiscal year so that you can
claim depreciation on it. Under the federal expensing
provision, you can deduct the full cost of your
equipment purchase instead of depreciating it

over several years. You can even use a credit card to
charge your purchase before the end of the year and
still claim the deduction for that year, even if the bill
is not paid until the next year, as long as the
equipment was placed in service that year;
• At the end of the year, pre-pay any deductible
business expenses, such as rent, taxes, and insurance,
that are due on the first of the month of the new year;
• Review your accounts receivable to determine if
anything is partially worthless. If so, you can deduct a
portion of the amount of uncollected debt;
• Check your inventory for obsolete items. If so, you can
get rid of them or sell them below cost and receive a
deduction;
• Donate money or goods to charities so that you can
receive a deduction; and
• Set up a pension plan for your employees and you’ll
be entitled to the small employer pension plan start-
up credit for up to 50% of up to $1,000 of qualifying
administrative and retirement education expenses.
Plus, this will help your company to attract and
retain employees.
Improve Your Cash Flow
Cash flow is vital to your business’ success, and, if you can’t
improve it through increased sales, consider the following:
• Ask your bank to increase your operating line against
your receivables and inventory so that you can take
advantage of supplier discounts for making prompt
payments;
• Collect your receivables promptly and don’t ever
increase the term because the faster you collect, the
less interest you’ll pay on your operating loan; and
• Consolidate your debt into a larger sum with a lower
interest rate so that it’s easier to manage and you can
pay it down faster.
7
December 2003 • Volume 8 - Issue 12
Sell on a Shoestring Budget
You don’t have to spend a fortune on sales and marketing
to make big money. Oftentimes, all it takes is some high-
impact, low-cost advertising gimmicks and some targeted
marketing strategies like the following:
• Make your customers number one. Most marketing
focuses on the company; however, simply focusing
your attention on your consumers and emphasizing
how your company can improve their lives might
achieve better results;
• Focus on existing customers. On average, it costs
about one-third less for you to sell to existing satisfied
customers rather than trying to attract new ones.
Simple strategies such as sending follow-up thank-you
notes or informing customers about upcoming
promotions can go a long way in improving your sales
because, unlike potential prospects, these people
already trust your products/ services. Marketing
experts typically recommend that you allocate 60% of
your marketing budget to current clients, 30%
to qualified prospects, and 10% to all potential
customers; and
• Keep it simple. Often just a single symbol or word can
communicate an entire idea (look at the Red Cross
symbol, for example). You, too, can come up with your
own word or symbol that will quickly communicate to
prospective clients who you are and why they should do
business with you. To do so, think of the idea
behind your company and then try to express your
products/services visually or using only a few words.
Eventually, you should be able to whittle it down to one
word or symbol that says it all about your company.
Make Tradeshows Work for You
Tradeshows provide an excellent opportunity for you to
show off your products/services and attract new customers,
discover new products to sell, or find new suppliers.
Here’s how to make the most of tradeshow opportunities:
• Choose a single objective, such as selling direct or
finding new sales leads, and then focus on it. If you try
to do too many things, you might not be able to do
even one thing successfully;
• Set a return-on-show investment, such as counting the
number of qualified leads, that will allow you to
measure your success at the show;
• Train staff to deal with people on your company’s
behalf at the show. Experts generally recommend that
you incorporate four steps into your dealings with
people: proactively approach them, qualify them,
present to them, and then disengage and move on;
• Let people know that you’ll be participating in a
tradeshow through a link on your web site or a mailer
to your clients; and
• Follow up on all qualified leads promptly before they
have a chance to buy from someone else. ■
December 2003 • Volume 8 - Issue 12

5 Easy Ways to Spot the Scammers

Continued from page 1

But what about those multi-level marketing pitches?

Which ones are legitimate? Which ones are scams? How
can you tell the difference? This is worthy of our
consideration in The Highlander Club.

Multi-level Marketing Can Be Legitimate

First let’s note that there are good, solid, completely
legal multi-level marketing companies out there.
Granted, they are few and far between, but, nevertheless,
they do exist.
Certainly there is no business organization more
respected than the Better Business Bureau. One of its
official publications says, “Multi-level marketing, a direct
sales system, is a well-established, legitimate form of
business.” (http://www.bbb.org/library/workat.asp)
The Federal Trade Commission, a U.S. government
agency, perhaps unwittingly validated MLM when it
contrasted it with illegal pyramid schemes. In an article
entitled, “Profits In Pyramid Schemes? Don’t Bank On
It,” the FTC writes, “Multi-level marketing plans are a
way to sell goods or services through distributors. Pyramid
schemes have a similar structure, but a completely
different focus. They concentrate on
the commissions you could earn just for recruiting various companies in particular. Following are just a few
new distributors, and generally ignore the of the basic questions I believe a person should ask
marketing and selling of products or services.” before getting involved in any multi-level marketing
(http://www.ftc.gov/bcp/conline/pubs/alerts/pyrdalrt.htm) opportunity:
. That a government agency recognizes the
distinction between MLM and an illegal pyramid should Is There a Viable Product or Service?
be enough to answer those who automatically lump all If there’s not, you’re looking at an illegal pyramid
MLM programs in with lawless pyramid scams. scheme. By law, the company must be offering
MLM is inherently legal, and it’s a viable business something of value separate and apart from an
model. Unfortunately, abuses of this business model by opportunity to earn money. The product line or services
some shady “entrepreneurs” have tarnished the being offered should be clearly presented in the
reputation of all MLM businesses—including the company’s presentations and literature.
legitimate ones.
Does It Cost Money to Become a
The Criteria Representative?
I know I’m not the first person to tackle the issue of what
This ties in closely with the previous point. It is illegal to
constitutes a credible multi-level marketing opportunity.
charge someone to become a distributor. For example, if
If you want to do more research, simply go on-line to
a company says you have to pay $100.00 in order to sell
Yahoo!, AltaVista, or Google and do a search using the
its product and earn commissions, you’d better run the
words, “multi level marketing.” AltaVista cited 58,833
other way. This is not to say that you won’t have to spend
web pages containing these words.
money in order to earn money. You will undoubtedly
My point of reference in this discussion is rooted in
need to attend training seminars, purchase sales
the research I began conducting on the subject in 1995.
materials, make long distance phone calls, etc. But there
Friends and family members had approached me several
is a difference between these expenditures and a
times over the years with this opportunity or that
requirement to pay in order to be paid.
opportunity—and I rejected each one. However, in 1995,
I decided to see what this industry was all about. I Is the Compensation Plan Reasonable?
thoroughly familiarized myself with the legalities of
network marketing in general and the practicalities of I remember listening to one particular audio
presentation. I’ll never forget it—or my reaction to it.

8
 December 2003 • Volume 8 - Issue 12

After about twenty minutes, the gentleman was saying, order, a red flag should go up and you should conduct
“Now on level such and such you’ll have 40,000 further investigation.
distributors in your organization and you’ll be earning Listen to the distributors. How have they used the
one half of one cent per distributor and....” (Click!) I products or services? How have they benefited from
shut him off there. Frankly, if it was going to take me them? Why did they get involved with the company? Have
40,000 people to earn even a decent part-time income, they been paid what is due to them? (Please notice the way
it just wasn’t worth it. Go over the company’s I phrased that last question. To me, the fact that the
compensation plan carefully. Ask as many questions as company pays what it owes is significantly more important
you need to ask to make sure you understand it. than what a distributor earns. It disgusts me to see people
flashing around copies of their checks. I really couldn’t
How Long Has the Company Been care less how much a person has made in an opportunity
in Business? because his skills are probably much different than mine
Most will advise that you not join a company that is less and his ability to earn will not come close to reflecting my
than five years old. The reason is that many multi-level potential. I just want to make sure that the company
marketing companies come and go within that five-year consistently pays what it has promised to pay.)
period. I’ll express slight disagreement with this wisdom, How long should all of this research take? Of course,
however. After all, how would any business ever get past you’re the final judge of that, but, in most cases, it won’t
that five-year threshold if everyone refused to do take more than 10 hours to view the literature, talk to
distributors, and check a company’s reputation with
business with it in its first five years? I believe that by
conducting careful research into a company, you can find various organizations and offices such as those
strong, legitimate opportunities even in companies that mentioned.
are just starting up. This leads to the next topic.
What Do I Want?
How Do I Research a Company? When I decided to take a serious look at MLM, I went
First, remember that knowledge is power. The more you through 65 different companies. It took me about three
know about a company, the better prepared you will be weeks. I was able to rule out some of these companies
in making a decision regarding your involvement with it. solely by their literature. Others I discarded after I called
Granted, some will chastise you for your skepticism. the BBB or an Attorney General. Still others I tossed
aside because their product, service, or
Some will even write you off because
compensation plan just didn’t appeal to
they only want to sign up people who
can make quick decisions. Hopefully I’m The more you know me. I sincerely believe I was as open-
minded as any person could ever be as I
not overworking the clichés here, but about a company, analyzed each opportunity. You’ll find
another good one that applies is,
“Better safe than sorry.” If someone tells the better prepared that this is another quality that will help
you make the right choice.
you not to bother checking out their you will be in
company, that’s reason enough to pass
making a decision Is MLM for Everyone?
on to the next one on your list.
Get as much of the company’s regarding your No, multi-level marketing is not for
literature as you can and familiarize everyone. But if you’re looking for a way
involvement with it. to go into business from home, don’t rule
yourself with it. Sit down with a respected
friend or even legal advisor and ask them it out. Approach it as you would any
to examine it with you. Visit the corporate headquarters if business. Don’t get caught up in the hype
you can. Meet with the president of the company. Of because there is plenty of it out there. Do your research
course, don’t expect anyone in the corporate office to just and get the facts. Then, if you decide to get involved in
open the books to you. Be reasonable and go with the MLM, give it 110% and you may find it to be a rewarding
simple intention of getting to know the leaders of the means of making a living from home.
company better.
Contact the local BBB or Attorney General of the state Michael Gifford and his wife, Shannon, have more than 30
in which the company is headquartered. Keep in mind years combined experience in operating successful home busi-
that, just because there is a complaint filed against a nesses. They are the owners of NoBizLikeHomeBiz.Com, an
company, it does not necessarily mean the company is unbiased and objective resource for home business. Visit
bad. It could just mean that there was a disgruntled http://www.nobizlikehomebiz.com. Michael can be reached at
distributor who was not satisfied with how the company expectgreatness@nobizlikehomebiz.com. ■
handled a disagreement. On the other hand, if there is an
injunction against the company or a “cease and desist”

9
December 2003 • Volume 8 - Issue 12
Network Opportunities abound for and from fellow Highlanders!
BUSINESS OPPORTUNITY / MLM
RISK FREE BUSINESS OPPORTUNITY.
Have you always dreamed of owning your
own profitable web-based business? Find
out how this can become a totally FREE
reality. Write down this code: 47162 and
visit www.ppsalesprogram.com for more
details. Stirley Shannon would like to give
you this FREE business with FREE web
hosting included the first year.
* * * * * * * * *
PARTICIPANTS WANTED. One-month
participation marketing experiment avail-
able. Make up to $5,000 from home in your
spare time. Get the FREE report by con-
tacting Zaken Corp., Dept. 1195B10,
Sherman Way, Canoga, CA 91303.
* * * * * * * * *
TOTALLY FREE ON-LINE BUSINESS.
Sell the most in-demand on-line business
service today. No cost to you! No Risk!
Huge potential income. Write down this
code: 61656 and visit www.mgsalespro-
gram.com to get started NOW.
Opportunity offered by HC member Stirley
Shannon.
* * * * * * * * *
LEGACY FOR LIFE. Discover the compa-
ny that is leading the wellness industry in
leveraged distribution. Our product is
backed by over 100 patents and is covered
by a 90-day, money-back guarantee.
Listen to a five-minute recorded message
featuring MLM leader Mark Yarnell:
(512) 703-8061. Please contact Kim
Giancaterino at (818) 760-7034 or
healthontract@uclabruins.net for further
information.
* * * * * * * * *
GET UP TO $7,650 OF PROFITS IN 10
MINUTES! Merchandise liquidation is
easy to understand ... costs almost
nothing to get into ... and you can operate
your business right at the kitchen table,
with your telephone. Log on to
http://www.wealthliberty.com/publications-
/Massive_Riches/index.html to jump right
in the middle of this $150-billion industry
and have thousands of customers scream-
ing for your product.
* * * * * * * * *
GET PAID TO SHOP. Earn income from
home with no selling, no paperwork, and
no inventory. Replace those harmful skin
care, hygiene and cleaning products in
your home with non-toxic and inexpensive
products. For free info., call Brian Wade
at (919) 401-8752, watch “Parents Need
to Know” at www.Ourwhy.com (1st
blue link), then visit my web site at
http://norisk1.yourfamilyfirst.com or
e-mail me at bwad4321@netscape.net.
* * * * * * * * *
WORK AT HOME OPPORTUNITY. Be a
part of your own Internet company. Best
paid referral program, month after month.
Go to www.cervo.net, enter promotional
code 5074, for faster, better and cheaper
service.
* * * * * * * * *
ENTERTAINMENT BUSINESS WEALTH
BUILDING PROGRAM. Be a part of the
entertainment business. Here’s your
chance to buy into a wealth-building pro-
gram that can generate huge profits. Just
send a $300 money order or cashier’s check
payable to Mustard Seed Multimedia, Inc.
and mail to Mustard Seed Multimedia, Inc.,
599-D Chicopee Court, Tallahassee, FL
32301.
* * * * * * * * *
SQUALENE PROGRAM. “Squalene, the
Nature’s Wonder Discovered by Medical
Science,” one premium box only $39.95
(shipping & handling included). The pro-
gram is free to everyone who enters as a
customer or distributor. Major moneymak-
er. Eiztco International, 2436 Brooklyn
Bridge Street, Las Vegas, NV 89135;
Telephone: (702) 655-6665; Fax: (702)
655-3226. Sponsor Luis Lauzurique, 6405
Westward St., Apt. 6, Houston, TX 77081.
10
FOR
PROFIT
FOR SALE AND MISCELLANEOUS
$
BOOK – BLACK EAGLE. Highlander Club
member has a self-published book for sale.
For further information contact Eustace
Charles at application4me@yahoo.com.
* * * * * * * * *
RELAX AND REJUVENATE. This unique
and affordable line of spa products was
designed for women, men, and teenagers.
Please visit my personal web site at
www.beautipage.com/millieking to place
your order today by clicking the “shop
now” link. A portion of my commissions
will be donated to charity. Thank you for
your support!
MARKETING/SERVICES
INTERNET SERVICE PROVIDER. Earn
extra income by signing up for the only
Internet service that pays you month after
month for referrals. Visit our web site at
www.cervo.net and use promotional code
3705. Or send a self addressed, stamped
envelope to Robert’s Internet Service
Provider Co., 6709 Roca Circle, San
Bernardino, CA 92404-5732 for more
information.
* * * * * * * * *
CERVO.NET A NEW ISP. Want a better,
faster Internet service for free. Just log on
to www.cervo.net for more information on
how to obtain free Internet service and
make money. Please use promotional code
3234 to receive two FREE Bonuses valued
at over $400.
* * * * * * * * *
FASTER INTERNET SERVICE THAT
PAYS YOU. Visit www.ISPcenter.us to find
out how you can start receiving monthly
paychecks. Use promotional code 3678 to
receive two free bonuses, valued at over
$400.

YOUR OWN INTERNET SERVICE
PROVIDER THAT PAYS YOU. Visit
www.ispcenter.us/2493 to find out how you
can start receiving monthly paychecks.
Remember to use promotional code 2493
to receive two free bonuses, valued at over
$400.
* * * * * * * * *
NOT JUST ANOTHER FREE WEB
SITE. Stirley Shannon is introducing a rad-
ically different concept. Click the “$50
Million in 36 Month Secret” button, fill in
the form and 50 personal web sites will be
built for you absolutely free! You will
receive a special e-mail informing you of
your websites. Go to www.freewebsitesofthe-
month.com/500/stirleyshannon.
* * * * * * * * *
EASY MORTGAGE MONEY. Assistance
in selling property and providing money
for potential buyers. For FREE information
or if you want to become a representative,
please send a self-addressed, stamped
envelope and your phone number to
Winnie Schrader, 1110 “F” Street, Salida,
CO 81201; Telephone (719) 539-4536.
* * * * * * * * *
WEB SITES OF INTEREST.
www.newsbucks.com/index.php?id=23948
– free newspaper. Or for only twenty-five
cents visit http://www.two-bit-site.com/
?ig=16921. Finally, visit www.itsabout-
time.com (sponsored by Rocco Di Matteo)
– one time fee of just $25, great MLM
program, and you also get a watch and free
travel.
FINANCING NEEDED OR AVAILABLE
MONEY NEEDED. I will buy properties
below market value, make repairs, and
either flip or add to rental portfolio.
Money will be repaid within agreed nego-
tiable terms. Please contact Brian Wade,
Cellular Phone: (919) 423-3557; 2235
Nation Ave., Ste. 5, Durham, NC 27707.
* * * * * * * * *
CASH GRANT NEEDED. To self-publish
and direct market/mail-order how-to
books, plus complete novel/movie script
with ghost writer/editor based on real life.
Contact Tui Rose, 200 Barsana Ave.,
Austin, TX 78737; Phone/Fax (512) 288-
9808.
* * * * * * * * *
December 2003 • Volume 8 - Issue 12
INDIVIDUAL GRANT NEEDED. Money FINANCIAL ASSISTANTANCE WANTED.
needed for a small commercial fishing I need office equipment and services for
business, which can benefit senior citizens my real estate investment business.
and other community residents. Please Investors also wanted. Contact James A.
contact Terence Noguchi, 349 Lunalilo Lavender at (865) 436-2848 or
Home Road, Honolulu, Hawaii 96825. forclosurerep@webtv.net.
The Wealth Liberty Institute's
Five-Minute Millionaire
Two Great Ways to Make
Adrian Newman
Founder, WLI Money From Home!
The Wealth Liberty Institute
introduces two new moneymakers!
Nothing is better than making $7,650 in just 10 minutes. You can do
it to, right from the comforts of your own home. I've got two fantastic
ways of pulling in this kind of cash on a regular basis, while sitting at
your kitchen table, wearing your pajamas!
The merchandise liquidation business is booming. This time of year
is huge for wholesalers who only want to clear out their warehouses
before the new fiscal year. It's this time of year where they are offering
deals like crazy.
But if you think that's great…
By the time January hits, they're gonna be even more desperate!
You see, their warehouses are going to start getting all the excess
merchandise from retailers that couldn't sell over the holidays. In fact,
I wouldn't be surprised to see these wholesalers turning trucks away
because they can't fit any more "stuff" on their shelves.
All this creates a boom for merchandise liquidators. It's at this point
you can snag a great deal on merchandise from these wholesalers and
be able to pass on the savings to another wholesaler half way around
the world! It's easy money, if you know how to work the system.
If you want to get a piece of this easy money, then visit
www.wealthliberty.com and click on my book, Massive Riches in
Merchandise Liquidation.
Another great way to make quick cash from home is using the
Hidden Cash Flow System. Now this is serious money, like $100,000 a
week, so you have to be on the ball!
The System is based on buying and selling mortgages. Sound
difficult? Well, if you have absolutely no idea what you're doing, it is
difficult.
That's why I created the Hidden Cash Flow System Manual. This will
guide you step-by-step through the process. I'm telling you right now:
Once I show you how to master this system, you might have to get
a bigger mailbox to hold all the checks you'll be receiving!
Once again, visit www.wealthliberty.com for more information on
the Hidden Cash Flow System Manual!
Adrian Newman, Wealth Liberty Institute
11
December 2003 • Volume 8 - Issue 12

RN/AUTHOR NEEDS INVESTOR/ http://www.ebookstoreonline.com/FastFood revolutionary “Transfer Factors.” An inde-

BUSINESS PARTNER. Need cash to mar-
ket a specific AC unit, two first aid products
with mass market potential, and start-up
publishing business for How-To/Self-Help
books. Please contact Tui Rose, 200
Barsana Ave., Austin, TX 78737;
Phone/Fax (512) 288-9808; e-mail
tuirose@ev1.net.
* * * * * * * * *
BROKER SEEKING INVESTORS. Buy,
renovate, and sell homes. Please contact
Faye J. Taylor at (317) 890-8967 Ext. 126
after 5:00 P.M.; Cell: (317) 332-4150; or
(317) 232-4925 between 8:00 A.M. and
5:00 P.M. Or you can e-mail me at
prayer9746@aol.com
* * * * * * * * *
ATTENTION ALL HIGHLANDERS!
Thousands of products below wholesale to
help double – even triple! – your business
earnings. US and Canadian Firms, sell
outs, liquidations, distributorships!
Order now! Low, low prices! Call
1-705-356-9938. Fax 1-705-356-3295.
Email lenhorton@sympatico.ca or send
$1 US and SASE to Len Horton Sr. Box
877, Blind River, ON Canada P0R 1B0
* * * * * * * * *
AN AMAZING BUSINESS
OPPORTUNITY!
You Can Make $1,000+ Weekly Selling Fast
Food Coupon Books. Choose from 40
restaurants including McDonald’s, Burger
King, Pizza Hut, Popeye’s, KFC, Subway,
Arby’s, Donimo’s and more. Coupon books
sell from sell from $15 - $29. Order a
Disributo Kit for $99.00 + $16 shipping &
handling for my fully refundable deposit,
or try a booklet out for $15.00. Order at
.htm or mail CCI, 6302 Phyllis Lane,
Bethesda, MD 20817 or Call 301-320-6340
* * * * * * * * *
MAKE MONEY!
Sell “How To” ebooks visit
www.ebookdisc.com/ri99.htm.
* * * * * * * * *
HIGHLANDER MARY-PAT QUINN
HAS AN OPPORTUNITY TO SHARE!
Would you like to drastically expand the
scope and/or reach of your business with-
out the expense or risk of physically open-
ing another branch office? The 21st centu-
ry solution to this is the Internet. I have a
contract with Stores-on-line.com for three
websites which I would like to use for Joint
Ventures with other Highlanders. Please
contact Mary-Pat Quinn at 908-687-9391
or email marypquinn@comcast.net
* * * * * * * * *
THE GREATEST VITAMIN IN THE
WORLD
It gives critical nutritional support in all
areas of the body by only using the highest
grade whole vitamins (not synthetic)
chelated minerals (most absorbable).
Educate yourself about our amazing prod-
uct that is unlike anything out there in the
world today! Please go to fellow
Highlander Arliss Westerlund’s website at
www.ar-wesvitamins.com
* * * * * * * * *
SELL THIS EXCITING HEALTHCARE
PRODUCT
The most amazing scientific breakthrough
in health maintenance is here! There is
absolutely no other product that can affect
the human immune system like the
pendent laboratory tested 196 of the most
popular and effective nutrients and discov-
ered that Transfer Factors tested 500%
more effective than all 196 nutrients! You
now have the lucrative opportunity to make
a fortune with this incredible unique prod-
uct! Here are a few important features:
• Over $40 million spent in documented
research;
• Mountains of clinical research to verify its
effectiveness;
• “The greatest discovery of the century”
says Rob Robertson, MD;
• 100% exclusive and patented with the
U.S. Government;
• Hundreds of MDs are flooding into this
program;
• 32 full-time staff members to help your
organization;
• Proven support system from the
company;
• A product that has been proven to fight
all kinds of diseases; and
• A way to earn a six-figure income in as
little as 12 months.
* * * * * * * * *
If you have been looking for the perfect
business opportunity, call 1-801-525-1224
now! Or, you may write to Brian
Christensen, 2571 West 5950 South, Roy,
Utah 84067. I will rush the exciting details!
* * * * * * * * *
TURN $10 INTO $3,750!
Turn $10 into $3,750.00 monthly residual.
The perfect affordable business. Free web-
site, training and support. This program
also includes benefits. Get started today.
Go to: http://aarroenterprises.fggweb.com/

Now is your chance to inspire Highlander Club members and get help for yourself too. Have you reached success? Did
The Highlander Club help you get there? No matter how you reached your goals, we want to hear your story and share it with
other Club members seeking inspiration. We'll ship you out a free gift to show our appreciation. In addition, if you have a
legitimate business opportunity you'd like to share with Highlander Club Members, then let us know, and we'll help you by
publishing it in our Network for Profits.

Send your material to: the Editor, care of The Highlander Club, 777 S. Flagler Drive, Ste. 800W, West Palm Beach, FL 33401-
6163, USA, Fax (905) 760-2809. We reserve the right to edit the text grammatically.

Please note that The Highlander Club maintains the “Network for Profits” to provide a forum for sharing ideas and opportunities.
Although every attempt is made to ensure the accuracy of this information, we can make no guarantees. We will, of course, make
every effort to correct errors brought to our attention. The inclusion of businesses, opportunities, or offers should neither be
considered an endorsement of articles, products, or materials, nor is it intended to endorse any views expressed or products or
services offered, by the author or organization. The Highlander Club expects that its members will act with honor, and, therefore, we
trust that the products, services, and business opportunities mentioned in their advertisements are legitimate. However, we do not
have the resources to investigate every product, service, or business opportunity that is advertised in the newsletter; therefore, we
cannot personally guarantee what they’re offering.

12