What's New | Program Critique Weblog

Michael Kimble's REI Marketing (Real Estate Investor Kit)

Thu, 24 Jul 2008 06:28:50 -0400

Review by Jay -- Real estate investor distrusts Michael Kimble

Category:		Online Gurus
About:		Michael Kimble
Author:		Jay
Rating:		1 Star (or Unacceptable)
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Review...

Don't buy Michael Kimble's product.

You probably won't get what you ordered; I didn't. Now, I'm fighting them for my $395 back! Their "Money-Back-Guarantee" states you can even KEEP the product if you're not satisfied...Michael's assistant tells me "You'll have to return the package if you want a refund." Everything they say in the SALES MATERIAL is pretty much a rip-off from Cris Chico's materials! Caveat Emptor!

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John Cummuta Works For People Above the Middle Class

Thu, 24 Jul 2008 06:28:39 -0400

Review by Sammy -- Middle class person does not believe that John Cummuta's program is for him

Category:		Online Gurus
About:		John Cummuta
Author:		Sammy
Rating:		2 Stars (or Acceptable)
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Review...

I thought that the John Cummuta program would be good for the people who really need help, not the people who make upwards of $100,000 a year and cry poverty. How can a person who works a full time regular job and 2 part time jobs and still only makes $35,000 per year afford to make a double mortgage payment. My mortgage payment is $1166 per month not including property taxes, utilities, the price of gas and food and basic insurance and what do you have left?

Yes I know, I have to sell my home, but I struggled to keep it after a divorce to keep some stability for my younger children seeing their life was changing everywhere else. We basically lived on credit cards for food clothing and car repairs.

This book did not give me any information as a normal "middle class" employed person. I wish I could talk to him face to face to see how he would convert my income to just covering my bills, not paying them down That would help a lot. I don't need to be a millionaire. I didn't buy the series, borrowed it from a much richer friend.

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Bob Brinker Gives Stock Trading Info YOU Must Decipher

Thu, 24 Jul 2008 06:28:27 -0400

Review by Brad P. -- Listener to Bob Brinker's radio program stays informed on the stock market

Category:		Offline Gurus
About:		Bob Brinker
Author:		Brad P.
Rating:		5 Stars (or Oustanding)
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Review...

Bob Brinker has done a rarefied outstanding job with a free service to the masses through his radio program as the silent majority would attest. He is educating the public from the down and out to the grand elite. You get insight from a trusted source (who doesn't walk on water, or hold a crystal ball) and that is rare.

One thing the unfortunate complaint mongers who lost their money on say the Q's seem to have forgotten is the 4% rule which he has repeated Ad Nauseum. If your holding loses 25%, Your portfolio or net worth loses 1%... do the math (you must admit you know this). Own up to this fact; if you gambled and you lost, unfortunately, it was by your own click of the mouse.

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Yanik Silver is the REAL Deal

Thu, 24 Jul 2008 06:28:16 -0400

Review by Chris Zavadowski -- Student of Yanik Silver praises his mentoring

Category:		Online Gurus
About:		Yanik Silver
Author:		Chris Zavadowski
Rating:		5 Stars (or Oustanding)
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Review...

You simply can't go wrong with Yanik Silver. That is, assuming you are a person of ACTION, and someone willing to bring value to the world with your business, instead of simply adding to the already noisy online world full of crap.

He's not one of the infomercial type people, but someone who has courses and material aimed at getting someone set up in their own successful business (mainly online, but he's got success stories in all types of markets).

He helps you figure out a market, product, etc. and shows you each step of the process -- nothing is force fed. And he's been doing this since he was a teenager, so he got the experience first, and then started sharing it.

But what makes him different is that his focus is NOT on the money as much as it is on the LIFESTYLE you can have with your own business. A business is only a tool to do awesome things in the world and help your family, help those less fortunate...and that's what Yanik Silver has been pushing hard the last few years...the lifestyle that comes with an online business.

I've purchased pretty much EVERY product Yanik Silver has created since he's been online (up to and including his $15,000 training program) - and I've been to practically every live training event he's ever offered (and spoken at a few of them myself), and continue to buy his products and newsletter to this day. The only reason I keep spending $$ with Yanik (who I'm now fortunate enough to call a good friend)...is because his materials flat out work and bring back many multiples of what I invested.

Yanik is pretty much my #1 source of marketing (esp. Internet marketing) strategy and ideas around - I've unsubscribed from virtually every other list and seminar out there...they simply add to the clutter instead of cutting through the noise.

Listen to those of us who own his materials, and what we've accomplished. Thousands of people taking the time to write in with success simply can't be wrong (versus the handful who have blinders on and don't take action -- then again, you'll get that in anything in life). Check out his sites and fully guaranteed products and you won't go wrong.

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Troy Carl, and OneStar Proven A Scam by Federal Prosecutions

Thu, 24 Jul 2008 06:28:04 -0400

Review by Anonymous -- Case of EStarNetwork fraud is explained

Category:		Business Opportunities
About:		EStarNetwork
Author:		Anonymous
Rating:		1 Star (or Unacceptable)
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Review...

In the case of Troy Carl and eStar, the filing alleges that Carl helped OneStar to accomplish what sounds to resemble something akin to money laundering via his telecom multilevel marketing agency eStar Communications. Carl, eStar, Carl Communications, etc. are charged with multiple counts of fraudulent conveyance under the U.S. Bankruptcy Code.

CHARGES FILED AGAINST ONESTAR INSIDERS

Evansville, IN, April 3, 2006 (TheDigest.Com)? Just when we thought that the saga of OneStar Long Distance was over, along came a bombshell complaint filed by U.S. Bankruptcy Trustee Elliott D. Levin this past week.

Levin's complaint asks the court to level penalties against numerous parties connected with OneStar, including its legal counsel Reed Smith. Although no exact numbers are available, Levin is asking for what equates to millions of dollars each for the company's officers, and even worse punishment for Reed Smith, which he accuses of having committed fraud and criminal conduct.

The complaint itself weighs in at almost 700 pages, including exhibits. We have the entire filing available for download on our current issue page free of charge.

As you may recall, OneStar Long Distance was a former long distance and CLEC provider based in Evansville, IN. It had a large agent base at one time, and had a huge customer base in the Northeastern United States. Most of us first realized that the financial situation at the company had gone South when it was unable to pay its underlying carriers for service, and its entire CLEC customer base was disconnected.

Apparently, the problems existed long before that though, which was cleverly covered up by the principals and board members, who quietly had been sucking the company dry of cash for quite some time. A later investigation by the court revealed that the principals of OneStar had created a complicated maze of corporations, LLCs, trusts, friends and family members to siphon off the company's revenues.

In the final stages of its history, the filing alleges that the principles conspired to bankrupt the company, while making sure that no friends or family members of OneStar insiders lost any money. All the while, Alan Powers and other officers were raking-in huge salaries with enormous bonus payments each year, despite the fact that the company was going broke.

The Trustee lists many people who are defendants in this case. With few exceptions, just about all of these entities are either friends or family members (or family members of friends) of Alan Powers. Others are mainly corporations or trusts managed by those same individuals. We will list the notable exceptions below.

All of the defendants are being asked to repay any loans due to OneStar that are still outstanding. Most loans to insiders were never repaid. In many cases the defendants were also paid on loans that they supposedly extended to the company at high interest rates. Many of these transactions are being charged as fraudulent conveyance. All defendants are being asked to reimburse the court for investigation expenses and legal fees, which are yet to be determined.

The directors of the company (Powers, Hanus, Stapleton, Huebschman) are not only being asked to return any outstanding loans, but to also return all pay and bonuses that they made from working at the company during periods of time where they clearly were not acting in the best interests of OneStar, due to conflicts of interest. The Trustee is also asking that certain consulting fees paid by the company to these individuals be paid back, and numerous other instances where they allegedly personally benefited at the expense of creditors and solvency of the company. This equates to millions of dollars for each director, on top of any monies owed by their family, business entities or family trusts.

In the case of Troy Carl and eStar, the filing alleges that Carl helped OneStar to accomplish what sounds to resemble something akin to money laundering via his telecom multilevel marketing agency eStar Communications. Carl, eStar, Carl Communications, etc. are charged with multiple counts of fraudulent conveyance under the U.S. Bankruptcy Code.

The case of law firm Reed Smith is much, much more serious. In fact, if anyone looks to be brought up on criminal charges, it is most likely the law firm that once represented OneStar. The complaint accuses the law firm of fraudulent conveyance, aiding and abetting in a breach of fiduciary duty, aiding, inducing or causing criminal fraud and legal malpractice or negligence. Essentially, Reed Smith, chiefly Reed Smith Partner Many Emamzadeh, is accused of orchestrating the events that led to the purposeful demise of OneStar. It is believed that the firm actually represented multiple entities that the principals of OneStar had set up, including those which put the firm in a direct conflict of interest.

Among other things, the Trustee stated that Reed Smith, Acted with malice, fraud, gross negligence, or oppressiveness. Reed Smith also acted willfully and wantonly. Accordingly, the Trustee is entitled to recover punitive damages from Reed Smith in an amount to be determined at trial to punish, penalize or deter Reed Smith from engaging in similar misconduct.

Reed Smith is the only entity in the filing from which the Trustee is asking for punitive damages. The complaint levies a total of 160 counts against those named above.

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Brad Sugars Has Made a Former Franchisee Bitter

Wed, 23 Jul 2008 07:31:16 -0400

Review by Former Franchisee -- Former Brad Sugas franchisee dislieks all the turnover

Category:		Offline Gurus
About:		Brad Sugars
Author:		Former Franchisee
Rating:		2 Stars (or Acceptable)
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Review...

Brad Sugars

"King of turnover" would like to tell you that turnover is about profit, but unfortunately it is about his staff. He can't keep any staff in any country he is in; his staff has turned over in the U.S. more than 10 times in seven years and its worse in his home country of Australia.

The man is shady and seemingly without morals and would take your last dime or sacrifice your family without conscience. The fact is he has no conscience. The things they say about him are true; check the facts Truth is any Franchisee or Master licensee who actually knows Brad dislike the man but they are stuck with their eggs in his basket and would tell you anything to protect their eggs.

In doing your due diligence ask for the names of all of the past Presidents of Action USA or Canada and call anyone of them you will get the truth. I will venture to say they won't give you those names or they will try to discredit them all 5 Presidents in 7 Years, or ask Jodie Shaw Communications director of Action Coach who covers for Brad attempting to throw the light off the facts.

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David Ramsey Needs to Take a Moral Approach to Investing

Wed, 23 Jul 2008 07:31:05 -0400

Review by Ron Benjamin, MFP -- Once in debt, but now trying to get out with the help of David Ramsey

Category:		Real Estate Opportunities
About:		David Ramsey
Author:		Ron Benjamin, MFP
Rating:		3 Stars (or Average)
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Review...

I am taking David Ramsey's course and it's good to see Dave encouraging good stewardship of money God has blessed us with. However, after counseling with many fellow Christians with low income, the greatest help has come from Christians helping Christians with paying off debts and with major purchases. As a Christian Financial Advisor, I am greatly disappointed that Dave does not encourage the screening of investments for moral issues!

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USANA Health Products Help Menopause

Wed, 23 Jul 2008 07:30:54 -0400

Review by Susan Yurychuk -- Woman with menopause bought USANA products

Category:		Network Marketing (M.L.M.)
About:		USANA
Author:		Susan Yurychuk
Rating:		5 Stars (or Oustanding)
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Review...

I was experiencing menopause symptoms going very early into this stage of life (41). At first the doctors didn't know what was going on. Then the hot flashes and night sweats started showing up with a vengeance. I'm talking 10-20 hot flashes a day and Night sweats that soaked my bed at night. I had been taking other USANA products for years and really felt the difference in my health and energy.

I finally found a doctor that was more into a natural approach and she asked my why I wasn't taking the USANA product: PhytoEstrin. Within 2 weeks my hot flashes and night sweats were gone I couldn't believe it. I've even tested it and stopped taking them for a while and yes those hot flashes and night sweats come back just like before.

This product is absolutely wonderful. Best of all its a natural USANA is a product you can trust.

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Infinite Banking is Honestly Amazing

Wed, 23 Jul 2008 06:28:48 -0400

Review by Jake -- Banker loves Nelson Nash

Category:		Financial Institutions/Services
About:		Infinite Banking - Nelson Nash
Author:		Jake
Rating:		5 Stars (or Oustanding)
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Review...

The Infinite Banking Concept is really one of the most powerful concepts that I have ever heard of. I am seeing the power that it has and how I am able to recapture so much of the money that was going out of my circle of wealth. Its really changed my financial planning business in a profound way. This really changes lives!

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Jeffrey Taylor Helps Improve Landlords Image

Wed, 23 Jul 2008 06:28:04 -0400

Review by Rhonda Lewis -- Listening to Jeffrey Taylor teleconference made her a convert

Category:		Real Estate Opportunities
About:		Jeffrey Taylor
Author:		Rhonda Lewis
Rating:		5 Stars (or Oustanding)
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Review...

I listened to Jeffrey Taylor on a Larry Goins teleconference and it blew me away! This man's techniques are absolutely positive ways that landlords all over the world can improve their residents stay for years. These techniques make so much sense, and operate on the golden rule in order to keep your residents happy and keep your home occupied. I loved the teleseminar and will listen over and take notes. Can't wait to implement these techniques! Thanks Jeffrey!

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Ways to Avoid Taxes by Investing Offshore

Fri, 18 Jul 2008 07:31:22 -0400

Review by Randy Lee -- Offshore Investor warns against the snares of this type of investment

Category:		Not Recommended
About:		Offshore Investing
Author:		Randy Lee
Rating:		2 Stars (or Acceptable)
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Review...

I started doing research on offshore investing back in 1993. At first I went to the Bahamas but after that stopped being a good place to find financial privacy I went to Panama. I live in Panama and have done much research into tax law and how to structure your finances.

If you go on most financial web sites that offer offshore services you will find a notice prominently displayed on the home page. It usually is in bold letters and is a NOTICE to U.S. PERSONS. This is because if you are a US PERSON you fall under certain tax obligations with regard to the IRS Code.

The word PERSON is a very interesting word and refers to a juristic entity or corporation. When you file your 1040 form you are in fact categorizing yourself as a US PERSON. You are making an admission and confession that you are a US RESIDENT and that you earn income from US sources.

I had a dispute with the IRS in 1993 and asked for a determination as to whether I was a Person as defined by the IRS code under section 7701a. I wanted a determination as to my status. I took the position that I was not a US PERSON and that their assumptions were incorrect. When I asked for the determination the IRS went away and stopped bothering me. I think I know why but it would take a very long explanation to explain in short order here.

Nevertheless if you are going to go offshore then I would suggest you do research on jurisdictional issues and how tax liability is incurred. How you define yourself in relationship to the law is very important. I trade stocks and have bank accounts in Panama without incurring any tax problems. But then I no longer live in the U.S. and I no longer worry about the IRS.

If you want freedom you have to learn how to be free. Not many will tell you how to get there. If you do research on this subject it is essential that you understand how not to categorize yourself as a US PERSON which is central to tax liability.

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Response Mail Express is for the Robots

Fri, 18 Jul 2008 07:31:12 -0400

Review by Mr. Unsatisfied -- Response Mail Express is bad with real estate

Category:		Financial Institutions/Services
About:		Response Mail Express - SeminarSuccess.com
Author:		Mr. Unsatisfied
Rating:		2 Stars (or Acceptable)
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Review...

I went with Response Mail Express to handle reservations for my reverse mortgage seminar. Although they did handle the calls they were lacking in being able to go that 'extra mile' as far as basic customer service goes. It was as though they were more concerned with talk time than helping the customers, my potential customers.

I don't know if these reps are being micro managed or quality controlled to death but it reflects in the calls. I could almost hear the noose tighten when one of the callers started being sociable with the rep.

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Dave Ramsey Says, GET OUT OF DEBT

Fri, 18 Jul 2008 07:31:01 -0400

Review by Joshua P -- Member of Dave Ramsey's FPU is now out of debt

Category:		Real Estate Opportunities
About:		David Ramsey
Author:		Joshua P
Rating:		5 Stars (or Oustanding)
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Review...

Dave Ramsey's Financial Peace University is very simple and easy to understand. I have watched and listened to his DVDs and CDs several times and it has changed the way I save and spend my money. My debts are being paid off and I am beginning to see the light at the end of the dark tunnel. NOTE: Although Dave recommends using the Snowball technique, you can save a lot of money in interest if you pay off your highest interest debt first (although you may need more self-control as the first debt may take longer to pay off).

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Sean Roach Takes Social Networking to Next Level

Fri, 18 Jul 2008 07:30:50 -0400

Review by R. R. Ramsukh -- Sean Roach presentation attendee fully endores him

Category:		Online Gurus
About:		Sean Roach
Author:		R. R. Ramsukh
Rating:		5 Stars (or Oustanding)
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Review...

Having just returned from a Sean Roach presentation I can say that what Sean has coming for the Internet World and the Social Networking sites that 'purport' to act in your best interest is revolutionary. Get Access represents another paradigm shift (that phrase again but here it is justified) that will make people slap themselves on the forehead and say 'why didn't we do that?'

I found Sean Roach to be a down to earth and engaging speaker that was more than willing to answer questions long after most people were gone.
Get ready 'cause Sean and Get Access are coming.

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Couldn't Cut it With Pampered Chef and is Now Back in School

Fri, 18 Jul 2008 07:30:39 -0400

Review by Anonymous -- Pampered Chef sales representative was unable to meet quota

Category:		Network Marketing (M.L.M.)
About:		Pampered Chef
Author:		Anonymous
Rating:		1 Star (or Unacceptable)
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Review...

I invested 15 years in the Pampered Chef and now the sales organization I built belongs to my Director because I was unable to meet monthly sales quotas. All my years with Pampered Chef mean nothing on a resume because no corporation will look at that experience and take it seriously.

I had to go back to school so I could find a job. Don't let anyone tell you this is a great opportunity. If you are looking for reliable income, get a real job.

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What's New | Program Critique Weblog

Michael Kimble's REI Marketing (Real Estate Investor Kit)

See Also

John Cummuta Works For People Above the Middle Class

See Also

Bob Brinker Gives Stock Trading Info YOU Must Decipher

See Also

Yanik Silver is the REAL Deal

See Also

Troy Carl, and OneStar Proven A Scam by Federal Prosecutions

See Also

Brad Sugars Has Made a Former Franchisee Bitter

See Also

David Ramsey Needs to Take a Moral Approach to Investing

See Also

USANA Health Products Help Menopause

See Also

Infinite Banking is Honestly Amazing

See Also

Jeffrey Taylor Helps Improve Landlords Image

See Also

Ways to Avoid Taxes by Investing Offshore

See Also

Response Mail Express is for the Robots

See Also

Dave Ramsey Says, GET OUT OF DEBT

See Also

Sean Roach Takes Social Networking to Next Level

See Also

Couldn't Cut it With Pampered Chef and is Now Back in School

See Also