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Are MLM’s A Scam?

MLM – Multi Level Marketing or Direct Marketing, Network Marketing, pyramid scheme, etc. I have wanted to write this article for some time now since I have been in the MLM industry in some form or another for over 40 years. I’ve been in sales, in...

Debt Settlement vs Debt Consolidation

Debt is a problem… for many, it’s a problem on a daily basis and causes real pain for real families. Most people think that the only way to take care of debt is to pay it off and hope it goes away. The problem with this thinking is that if you pay off a...