Free Webinar Reveals The Well-Hidden, Little Known Secrets Of Building A “Bomb Proof” Network Marketing Empire.
Secret #1: The real reason most network marketing programs are doomed to fail no matter what you do.It’s normal for people to quit within 90 days of joining a new network marketing business, but it’s not your fault. We will reveal the real reason why this keeps happening and the only way to overcome it.
Secret #2: How I was able to make money in network marketing despite not sharing it with anyone for 2 years.Are you shy, introverted, or just tired of talking to people who aren’t interested? I was all of the above, yet I was still able to make money for 2 years without a sign-up or a product being sold. I’ll tell you how.
Secret #3: The system we use that keeps our business from sucking up all of our free time.This has absolutely nothing to do with time management or outsourcing mundane tasks to freelancers on Fiverr. It’ll even work for you if you’re alreday in a network marketing business and have already blown through you warm market (friends and family).
Name: Earnin App
Website: www.earnin.com Price: Free Type: Payday loan alternative Overall Rank: 99 out of 100
Is the Earnin App Legit?
If you’re looking for a quick answer, yes, the Earnin app is legit. Feel free to Sign up.
If you’re looking for more details, you’re in luck because this just happens to be a complete review of the Earnin App.
I’m going to give you a thorough overview of how it works, the logic behind it, the pricing, all the advantages, and the two things to be aware of to keep the app from turning into a major problem.
What is the Earnin App?
Earnin is an app that will probably put every payday loan company out of business within 2-4 years. It works the same as a payday loan, meaning you get an advancement of a portion of future pay and the company debits your account on pay day.
What sets Earnin apart from every other payday loan service is that they don’t charge a set fee. Other payday loan services charge between $15-30 per $100 lent, which usually turns into about 400% interest by the time the loan gets paid back.
Instead of charging a fee, Earnin lets you choose how much you want to pay by leaving a tip that can range from $0 – $13.50.
How awesome is that?
How Does Earnin Work?
You link your bank account so they can debit the money you owe on pay day.
You enter your work address and it tracks the hours you work by using your phone’s location. Whatever amount of time you spend at that location, your phone will track it and add it to your available earnings so it can be withdrawn when you need it.
You’ll know when the hours have registered because you’ll hear a cha-ching, much like a cash register. It kind of reminded me of my drop shipping days with eBay and DS Domination.
On pay day, they debit the amount you borrowed plus the tip if you chose to leave one.
How Fast Do You Get Your Money?
Personally, I didn’t really need it, but I used it anyway to make sure it was legit. I worked a day, but instead of waiting for the hours to show up on their own within a day or two after working like they usually do, I took a picture of the time sheet and sent it in.
After about 10 minutes, I got a notification saying the money was in my account and ready to be taken out.
In addition to taking a picture of your time sheet to speed up how fast the money is available for withdrawal, you also have the option of linking your debit card to the account to speed up how fast you get the cash advancement.
I linked mine and I got my cash within 5 minutes of requesting it.
Is the Earnin App Really Free?
Yes, it’s really free although they do make it very clear that they want you to leave a tip.
If I really needed this service, I wouldn’t have a problem with leaving 5-10% as a tip since the only other option is getting robbed for up to 30% by a payday loan company. In this case, I only tipped $2 for the $100 that I withdrew because I was only doing it to make sure it was legit for this review.
How Much Can I Cash Out?
Everyone starts at $100 per pay period. You have the potential to get your limit raised to as high as $500 for an individual or you can get access to your entire pay check if your job partners directly with Earnin.
Here’s what you need to do to get your max raised:
Manage your money
Remember earlier in the review when I said you link your bank account to the app? That means they know how much money is in your account at all times. Show that you know how to manage money by making sure your account never goes negative. They’ll know if it does and that counts against you.
Use Earnin regularly and responsibly
They give higher limits to people that they’ve known for a while, people who tip, and people who have the money they owe available to Earnin on the day that it’s supposed to be returned. This includes making sure the bank info is correct so there are no hold-ups when it’s time to pay them back.
Tell your job about Earnin
This is optional, of course, but Earnin will make your entire paycheck available to you if your job chooses to partner with them. A copy-and-paste solicitation is available on the app that you can tweet to your employer. If they partner together, you’ll have access to your whole pay check whenever you need it.
The Only App that Gives You Superpowers
Okay, you won’t have real superpowers, but you do get access to two features that I thought were awesome and well-thought-out.
First, you can link your debit card to your account to speed up how fast you get your cash-outs. The alternative is to have your money direct deposited to your bank account, which takes a few days. When it’s deposited to a debit card, it takes less than 5 minutes.
I requested a payout and logged into my bank account immediately. The money was already there.
The second superpower is Balance Shield, the ability to prevent overdraft fees before they ever happen. You can set your account to automatically deposit up to $100 (assuming you have wages available for withdrawal) once your bank account drops below $100.
This is a great way to prevent your account from going negative so you never have to deal with overdraft fees.
My Final Opinion of the Earnin App
Use it if you need it. It works; it’s legit and it’s affordable.
A few words of caution though:
1. Always leave a tip. Don’t mess up a good thing. Earnin is leaving it up to you decide how much you want to pay for a service that has a ton of value, but make no mistakes about it, they are a business and businesses have to make money to stay in business.
If everyone uses up their resources without compensating them, I wouldn’t be surprised to see them cut the pay-what-you-think-is-fair option and start charging a flat rate.
If you’re going to use it, do your part to keep the charge flexible by tipping every time, even if it’s just a few dollars.
2. No one likes waiting to get paid, but one of the benefits of getting paid every two weeks is that it makes you be more responsible in budgeting your money. Don’t start spending frivolously and end up in a bad situation just because you can get your pay early with Earnin.
Name: NOW Lifestyle
Website: www.NowLifestyle.com Price: $1 Trial, $50 Monthly Type: Network Marketing Overall Rank: 87 out of 100
What is NOW Lifestyle?
Now Lifestyle is one of many projects owned and operated by Joel Therien.
In some ways, it’s almost an exact replica of 7-Minute Workout, another one of Joel Therien’s projects that have a strong emphasis on combining the fitness industry with the money-making industry.
Now Lifestyle is a network marketing company whose core products are fitness related (the 7-Minute Workout program that was carried over from the original MLM brand of the same name) and Internet marketing tools (the email autoresponder called Send Shark, which is very similar to Joel’s other autoresponder software called GVO).
In fact, you might say Now Lifestyle is a new and improved reboot of Joel’s earlier work.
Not that that’s a bad thing. Re branding has it’s purposes that benefit the owner as well as the marketers, which I’ll get into later.
What I Like about Now Lifestyle:
Guaranteed Paid Sign Ups
I’ve never seen this before. You can can actually buy sign ups.
You pay a set price, which at the time that this article was written, was $40 per guaranteed sign up, available in sets of five. The company advertises on your behalf until the number of sign ups that you purchased is fulfilled.
As far as I know, NLS is the first and only MLM company to do this.
Be warned, though, that their responsibility stops after the sign up is made. It’s still your responsibility to contact, coach, and retain that person.
If your recruit gets buyer’s remorse and decides to quit shortly after he signs up, the company will not replace him. It’s not entirely risk free, but I still feel this deal is a steal at this price.
Make money from 3 genres
Now Lifestyle is different. I’ve found that with most network marketing companies, you make money by referring other people who want to make money or by selling the products.
If you’re trying to recruit someone who is already in a company, you won’t make money from them unless you give them a good reason to leave their company and switch to yours.
Something I really like about Now Lifestyle is that no one has to leave their present company for you to do business with them because their product line covers three distinct categories.
(1) There’s the network marketing system, of course, but you can (2) sell the workout system as a standalone product to people who want to get fit. And then there’s (3) the autoresponder, Send Shark, that allows you to make money from people who might not want to switch businesses completely, but still need a way to follow up with their prospects from other businesses.
Send Shark is awesome because it keeps you close to other Internet marketers. They might not be in the market for a new opportunity now, but who knows. Maybe in a few months, they will be, and Send Shark is an awesome way for you to provide value, give them a reason to stay in touch, and make money from someone who might not have had any reason to do business with you otherwise.
The new name doesn’t sound so gimmicky
Like I mentioned earlier:
NOW Lifestyle is a new and improved version of 7-Minute Workout
Send Shark is a new and improved version of GVO
… but now…
… the name implies living a better lifestyle, which is something we all want. They do that by improving your health and financial stability at the same time.
A name like 7-Minute Workout would only appeal to people who want to lose weight, and even then, it sounds so gimmicky that some people who genuinely want to lose weight might be turned off by the name.
I thought re-branding what is virtually the same business under a different name was very smart.
It’s still using the same workout system from before. In fact, all the workout videos are the same videos that were used in 7-Minute Workout. They still mention 7MW throughout the demos.
The difference is that when you hear the name of the company, instead of thinking it’s yet another weight loss gimmick, you think of living it up as a sexy, fit, entrepreneur who has money to do whatever you want.
Everything you need is within the back office
Now Lifestyle stands out from other MLM companies because it was made by a network marketer for other network marketers. Joel Therien knows follow-up is extremely important.
Instead of making you buy an autoresponder from companies like Aweber, Get Response, or Mail Chimp, he includes Send Shark with your membership.
Send Shark is actually what brought me back to NLS. I’d quit NLS to promote a business opportunity that I thought was better.
A few weeks later, I saw an ad for Send Shark. I was happy with Aweber, but Send Shark costs way less when you start getting into the higher numbers.
In addition to email, they also offer paid sign ups, a customizable lead capture system, tracking tools, and some of the best videos on mindset that I’ve ever seen.
Some people will feel tempted to skip the mindset videos, but personally I think that’s where most people need to start and continue to watch again every month or two just to refresh their memories.
What I Didn’t Like about Now Lifestyle:
Guaranteed Paid Sign Ups, where are you?
The guaranteed paid sign ups made it to the negative list as well.
As a person who has struggled in the past with network marketing just like everyone else who has tried it, I can understand the appeal of having this feature.
The main thing I can’t stand about it is that it’s not available enough. You really have to be lucky to just happen to log in at the right time when it’s available and buy before they take it down again.
They are constantly testing what’s working, which is a good thing because it ensures they’re delivering the goods, but it can be frustrating waiting for an opportunity to take advantage of this feature.
During my time with the company, I got very familiar with this very irritating sign.
$170 a Month for Nutritional Supplements? Really?
I’m not the biggest fan of supplements to begin with. I’m not going to get into why because that’s a totally different topic, but if we’re going to buy supplements, they should be reasonably priced.
NLS prices seem to be a lot higher than what you’d find in a nutrition store. They’ll say it’s because it’s a higher quality, but really it’s to cover payouts on commissions.
They want you to make them money, yet they charge to teach you how to do it
One thing that perplexes me is that they have insider training on a variety of marketing topics to help turn you into a super recruiter.
That’s awesome. It makes sense that they would want you to be a super recruiter because the more money you make, the more money they make.
What I don’t understand is that some of this training costs an additional fee to get it. We’re not talking about light change either. This info can cost up to $2500!
On top of that, it’s only commissionable if you own it. That means if someone you refer buys it and you haven’t bought it yourself, you can’t get a commission from it.
That method of marketing is a throw-back to the golden years of Empower Network when David Wood and Dave Sharp started the trend. It seemed like genius back then, but now I’m seeing it for what it really is: a way to milk extra money out of their members.
It’s challenging enough to make money online even when you know what you’re doing. They shouldn’t be charging a sign up fee and then charging an extra 4 figures to teach you how to sell their products and services. What kind of sense does that make?
In their defense, they do have a great tutorial for getting into the money quickly under the “Grow your Business” tab, so it’s not like they’re leaving you to fend for yourself unless you upgrade.
Who is Now Lifestyle For?
This company is great for a variety of people
People wanting to get in shape
People who workout, but want a faster way of doing it
People who are already in shape and want to try a new system
Email marketers who just want access to Send Shark
Network marketers looking for a new business
Fitness enthusiast who want access to the supplements
Now Lifestyle Products and Services
Whey Protein – Comes in chocolate and vanilla with 24-26 grams of protein per serving.
Eliminate – Fiber capsules with about 1 gram of fiber per serving of three capsules.
Elevate – This is Now Lifestyle’s vitamin supplement. It has a major emphasis on energy, which I guess is the reason for the name. Most of its ingredients and B vitamins and other supplements that are related to boosting energy.
Cost of Supplements: Supplements are sold in groups of 5 (2 jars of whey protein, 2 jars of fiber, and 1 jar of energy booster). The set is a one-month supply that costs $169.97 or you can put it on auto ship and save $20.
From what I saw on the website, it doesn’t look like they can be purchased individually.
The 7-Minute Workout Fitness System
This is the workout system that started it all. Joel Therien is in awesome shape for a man in his mid-40s and he claims this is the exact system that he used to get in that condition.
If the only thing you’re interested in is fitness, this system can be purchased as a standalone product for $25 a month or $197 yearly.
The Bundle Package – $50 with a $1 Trial
The special is an all-in bundle that includes the 7-Minute Workout fitness system, a reseller account, and use of the Send Shark auto email responder for $50 a month with an option to try it for $1. There is no yearly option at this level as it already has the most value for the price.
This is the email follow up system that can be used to promote any business. I chose this service over Aweber because they pretty much do the same thing except Send Shark costs way less.
NLS University – $997 – $2497 depending on how soon you buy it after you sign up
This is the virtual training camp that I was talking about earlier. It has a lot of useful information that will teach you how to be an unstoppable marketer, but as I was saying earlier, I think it’s ridiculous that you have to pay an additional fee to learn skills that will help you promote their business.
On the flip side, you get 50% commissions if any of your recruits buy them after you’ve bought them, so the payouts could add up to a lot more than the investment. It just depends on what you value more.
Here’s what you get with the Now Lifestyle University:
Email Marketing 101 AND Advanced Email Marketing
Learn to market with email. Works well with Send Shark.
NOW Body Certification
This is where you learn everything about myths, nutrition, and exercise, to become certified to train with NLS.
Learn what you need to know to turn Instagram into a marketing machine. Again, this is something that would help the company, and you, make more money, so why they make you buy this information, I do know.
Top 10 Income Leaders Interview Series
Interviews with the top 10 income earners where they pick their brains so you can learn from the best.
How to Create a Lead Magnet
Here they teach you how to get people to know, like, and trust you so they buy from you. Again, wouldn’t it be in their best interest if all NOW Lifestyle members knew how to do this?
Traffic and Conversions
Two things you’ll need or you will never make money.
How to Scale Your Business
How to do all the things you did to create a small income on a bigger scale to multiply your results.
Learn why videos should be a cornerstone in your business.
Side note: I know I’m starting to sound like a broken record, but again, shouldn’t they be teaching you this for free if they expect you to sell their products and services?
Now Lifestyle Compensation Plan
Pays out 100% commissions by offering 50% commissions on your direct sales plus a 50% matching bonus on the commissions of anyone you sponsor directly.
Binary compensation plan qualifications.
Maintain a distributor of the Now Lifestyle System.
Personally enroll 2 people with one person on your left and one on the right.
Enroll 1 new member a month, up to 6 personals.
Now Lifestyle Support
When I joined NLS the first time, they were going through some growing pains so I wasn’t too happy with them.
This time around, their support has been very timely and helpful. You can access support by clicking the Support tab at the top of any page in the members’ area.
My Final Opinion of Now Lifestyle
First, I want to point out that Now Lifestyle has a no-questions-asked 100% money-back guarantee and they honor it very well.
I’ve actually had to use it twice.
The first was when I first heard of NLS and joined because I wasn’t sure if I wanted to promote them or Wealthy Affiliate. Obviously Wealthy Affiliate won so I canceled and got a refund.
The second time was when I found out about how much money I’d save using Send Shark instead of Aweber. I signed up for another full membership because I needed to lose weight anyway, but in the end, I decided to only use Send Shark.
They honored the money-back guarantee both times without any hassle.
That being said, if you think Now Lifestyle or Send Shark might be something you could benefit from but you’re still having doubts, I recommend you just buy a membership and try it for 30 days instead of getting too caught up in what other people have to say about it.
Worse case scenario, you cancel; they give your money back.
The Bottom Line….
To be honest, from what I read, I don’t think it’s possible to excel with this business without mastering the topics taught in NLS University.
I wouldn’t recommend joining unless you’re joining with the intent of buying the all-in package that is NLS University, otherwise you’re lacking a lot of crucial information that you’re going to need for success.
My advice is to get in knowing you’re going to invest 4 figures up front or don’t get in at all unless, of course, you’re doing it more to lose weight than to make money.
But even then, the course called NOW Body Certification is where you find the killer information on fat loss and you can’t access that either without upgrading.
This is one of the many reasons I chose Wealthy Affiliate over everything else that’s out there.
They don’t have upsells other than an option to pay yearly.
No information is ever held back.
As a matter of fact, take a look at how the two businesses stack up.