          
          
          
          
                 SOME OF THE BEST MLM COMPANIES TO CONTACT
          
          
               Most of the companies listed in this section do
          not have a monthly purchase requirement.  Many MLM
          companies require distributors to make a personal
          purchase each month -- either to remain a distributor
          or to be paid commissions.  Such requirements can be a
          major hurdle to those who are trying to build a
          business with little money to invest.  
          
          
          The Power of Residual Income
          
               Have you ever fantasized about writing a hit
          record or a best-selling book then spending the rest of
          your life collecting fat royalty checks? 
          Unfortunately, for 99.9% of us, that's a fantasy that
          will never come true.
               Network marketing has something just as good as
          royalties.  It's called "residual income," and
          basically means that for the work you do today, you can
          earn money today, AND for many years to come.
               Top corporate executives and time clock punchers
          alike are leaving the nine to five routine in record
          numbers.  Home based business is being called one of
          the few hot spots in today's business climate.
               Multi-level sales are expected to exceed 100
          billion dollars this decade.  Minneapolis businessman
          Irwin L. Jacobs is at the vanguard of this business
          explosion.
               Irwin says almost everyone dreams of owning his or
          her own business, but obstacles like lack of start-up
          capital, high inventory costs or inexperience are
          keeping most people mired in jobs they don't like. 
          Multi-level marketing, he says, offers a way of
          eliminating those obstacles.
               Irwin Jacobs is President of Watkins Incorporated,
          one of the oldest direct marketing businesses in the
          nation.
               Of the hundreds of network marketing companies
          we've reviewed, Watkins stands well above the crowd in
          all vital areas.
               Security starts with a good foundation and Watkins
          has been successfully building theirs for 125 years. 
          That's a track record of rock-solid stability that only
          a handful of companies in the world can match.
               The founder, J.R. Watkins, came up with a very
          innovative idea in the 1870s.  He decided to imprint a
          line into some of the bottles his products came in. 
          Customers could use the product down to this line.  If
          at that time they decided they weren't satisfied with
          the product, Watkins would provide a courteous refund. 
          It was the first ever money-back guarantee!
               The ample financial resources of Watkins also
          gives you security; Watkins is owned and vigorously
          backed by one of America's wealthiest men, multi-
          millionaire Irwin Jacobs.
               Another important issue affecting your long-term
          security is legal soundness.  Once again, Watkins is
          extremely solid -- proven over decades. 
               With Watkins, the monthly income you build today
          is truly residual and can continue, and even grow,
          indefinitely.  In fact, the income you create with
          Watkins can continue beyond your lifetime, because it
          can also be willed to your children or other loved
          ones.
               One important point to consider about residual
          income.  What good is it to create residual income, if
          the company is not around to collect it from?  Again,
          this is why the proven stability and security that a
          company like Watkins gives you is so very, very
          important.
               If you truly want long-term success and security,
          you need a stable, proven company with the resources,
          the integrity, and the experience to continue far into
          the next century.  Watkins definitely delivers in this
          ultra-vital area.
               You never have to handle products because Watkins
          takes care of all product distribution for you.  They
          stock, ship and deliver every order directly to your
          customers and your networking associates from their
          54,000 square-foot shipping facility.  The size of that
          shipping facility gives you an idea of the kind of
          strength they have to back your efforts.
               Most network marketing companies have forced
          monthly sales quotas of $50 to $200 (you buy the
          required minimum amount of products whether you want
          them or not).   Watkins has no monthly sales quota
          (frankly they don't need to -- natural high demand for
          the company's products generates millions of dollars in
          sales every month).
               Tupperware is a great product -- but it never
          wears out.  Mary Kay comes closer to being consumable,
          but it can be used by only half the population. 
          Watkins is unique because it is something which
          everyone can and must use -- groceries are a major part
          of the product line, along with vitamins, spices,
          sauces, aspirin, cough syrup, aloe vera, shampoo,
          mouthwash, household cleaning products and many, many
          more.
               The single most important ingredient of success
          for a network marketing company is its product line. 
          First, unless you want to severely limit your market
          base, you'll want to represent a company with products
          that everybody uses.  Fad products or products that
          offer little chance for repeat business are also
          extremely restrictive.
               Again, Watkins scores extremely high in this
          category with its diverse line of highly-consumable,
          mass-appeal products.  Watkins products are, in
          general, competitively priced (in fact, many actually
          provide a money savings), and recent surveys have shown
          that the average American family already uses over $80
          a month of the same products available through Watkins. 
          That's an ENORMOUS market.
               Today, over 350 different products display the
          Watkins name.  That kind of diversity is extremely rare
          in a network marketing company and is a big plus. 
          Another big plus and rarer still, Watkins research &
          development team delivers a minimum of two new products
          to the market every month -- each accommodating the
          special needs of today's society like environmental
          sensitivity and sensible nutritional formulations.
               As a Watkins marketer, however, clearly the most
          important aspect of the product line is that it
          features numerous products that everyone uses and
          consumes regularly.  Hence, every person you meet is a
          potential lifetime customer.
               There are many ways to make money with Watkins. 
          Watkins places few restrictions on how you sell the
          product.  A few ways you may want to investigate are: 
          party plan, fund-raisers, selling in offices, and
          recruiting sales agents.
               For example, you can combine the last two on that
          list.  Recruit receptionists in large offices. 
          Everybody knows the receptionist and they will
          naturally share the catalog with everyone in the
          office.
               Fundraising is another possibility.  You can sign
          up a church, club, or other group as a Watkins
          distributor itself, and let them earn commissions on
          all orders placed by their members.  Since Watkins
          products are things used by families everyday, they can
          support the organization through their normal
          purchases.  They don't have to buy some special
          fundraising item during a one-time fundraising drive.
               Your customers can place their catalog orders
          directly with Watkins -- and you still receive the
          commission on all of their purchases.
               Everyone can build a Watkins business to fit their
          own needs.  You can share the business opportunity with
          others and build your business to the size you are
          comfortable with while earning a good override
          commission on your group's sales.  Or you can choose to
          be a sales force of one, since it is not necessary to
          sponsor other representatives to make good money with
          Watkins. But if you don't plan to sponsor anybody else,
          what tends to happen over time is that other people ask
          you how they can be representatives too.  It is nice to
          be able to profit from their sales instead of having
          them become your competitors.
               Part of the beauty of this company is that the
          opportunity spans the entire spectrum, from those who
          simply want to purchase products for their own use at a
          wholesale price, to those who want to build a multi-
          million dollar business.  The only limits are what you
          choose to place on yourself.
               Group health & life insurance, designed especially
          for entrepreneurs, is available through Watkins
          membership in the Direct Selling Association, after
          you've become a representative.
               Enjoy legal tax deductions, just like the ones
          taken by large corporations (a home office can be
          especially tax advantageous, allowing you deductions
          for gas, electricity, phone, etc.).
               Every year Watkins offers you the opportunity to
          earn an exciting all-expense-paid trip as a bonus.
               For more information on Watkins send $3 with your
          name, address, & telephone number to: 
                    Doug Slaton
                    15311 E. 15th Ave., #B
                    Veradale WA 99037.  
               The package you'll receive will contain various
          brochures, the business plan presentation, the Watkins
          mainline catalog, a sign-up application, a product
          sample, a coupon for a free copy of Watkins' "Reach For
          Tomorrow" video, and a $1 off coupon for a Watkins
          order of $10 or more.  Doug Slaton is a full-time
          Watkins marketing director.
               Watkins has a Canadian company also. 
          Representatives in the U.S. can sponsor representatives
          in Canada, and Canadian representatives can sponsor
          representatives in the U.S.
               In 1995 Watkins launched Synergie -- a unique skin
          care line.  The product launch video (available for
          representatives to use) features a major Hollywood
          star, Pamela Bellwood, star of the hit television
          series Dynasty.  She is joined by several friends,
          aesthetician Pat Schverven, and plastic surgeon Dr.
          Charles V. Pledger.  This product line is likely to
          appeal to many who have had experience with Avon, Mary
          Kay, or similar cosmetics companies -- giving you an
          opportunity to recruit even more Watkins
          representatives than ever before.  As with all Watkins
          products, there are price savings advantages to the
          customer as well as unique benefits from using the
          products.  Watkins has developed excellent sales tools
          to go with the Synergie line.
          
          
          
          Network Marketing Without Fees or Tricks
          
               Entrepreneurs are always looking for new products
          for multi-level or network selling companies.  Some
          people hate network marketing, but others have made
          fortunes with it.  The general rule of thumb is to
          avoid companies that have any sort of high monthly fee
          or minimum purchase to stay in the program.  Once
          you've earned a commission, or a bonus on the sales of
          somebody under you in the organization -- that money
          should be yours no matter what.  If your commissions
          are dependent on your personal purchases or sales, the
          efforts you made to recruit others are a gift to the
          company.  If profits are based on people making minimum
          payments, pretty soon you have people buying products
          because they are afraid they will loose commissions if
          they drop out.  Before long the whole company is doing
          that, and nobody is really selling products.  After
          awhile such companies fall apart, as people get tired
          of paying for a dream of profits that never come.
               So it is always a pleasure when there is a metwork
          marketing company with both a new product to market and
          a compensation system that is fair.  MagNet has come
          along with a magazine subscription sales company that
          is intriguing because it guarantees the lowest price on
          subscriptions to over 400 of America's most read
          consumer publications.  Last year, over 540 million
          magazine subscriptions were purchased in the United
          States through a wide variety of costly marketing
          techniques.  These include television and radio
          advertising, direct mail campaigns and high-pressure
          telemarketing.  Millions of dollars in sweepstakes
          giveaways and TV celebrities salaries add further costs
          to these already expensive methods.  This also means
          that magazine publishers can afford to pay high
          commissions to sales companies like MagNet, who only
          have to be paid for results.
               MagNet utilizes word-of-mouth advertising and a
          network marketing program that eliminates many of the
          expenses attributed to subscription sales.  MagNet's
          representatives have an opportunity to earn
          commissions, overrides, and bonuses and they can also
          participate in a company profit sharing program. 
          Subscribers also win because they get their favorite
          magazines at great savings.  
               MagNet has no distributor fee, no membership fee,
          no inventory, no deliveries, no collections, no
          bookkeeping, no monthly purchase requirements, no need
          to change anyone's buying habits, no product knowledge
          necessary, and no conflict with any other business. 
          This last point is especially important to people
          already involved in network marketing, because it
          allows them to add MagNet to their existing distributor
          organization to increase their profits with minimal
          extra effort.
               You receive a complete catalog with detailed
          descriptions of all magazines.  Selections range from
          comic books to Cosmopolitan, from Prevention to Sports
          Illustrated to Newsweek.  
               Every time one of your customers, or a customer of
          a representative you recruited, buys or renews a
          magazine subscription through MagNet, commissions,
          overrides, bonuses, and a contribution to the company
          profit sharing plan is paid. 
               If you would like information on MagNet
          International, send a SASE (self-addressed stamped
          envelope) to: 
                    PNS Associates
                    Attn: MagNet Brochure
                    3650 Silverside Road, #1046
                    Wilmington DE 19810.
               A special approach that might work well for you is
          to look for small stores where the owner might join and
          put the brochures in a "take one" display on the
          counter.  MagNet has developed several specialized
          brochures that can make this easier, such as sports
          magazines for a sporting goods store, or women's
          magazines for a beauty salon.
               Another point is that this is the only multi-level
          plan we've seen that will accept a representative under
          age 18 (with parental consent of course), so it could
          be an excellent way to help one of your children become
          an active entrepreneur.  And they earn residual income
          on renewals and downline activity, which is much more
          profitable than the couple of dollars commission on the
          subscription sales plans usually available to
          youngsters.
               MagNet also accepts organizations as agents.  This
          offers some nice fundraising possibilities for any
          project, plus an ongoing income stream for the group
          instead of just the one time cash they normally would
          make from a candy or cookie sale.  Plus by signing up
          the group, you also will be making commissions for a
          long time to come.  This type of strategy is the way to
          build large sales fast.
          
          
          
          How To Turn A Few Hours A Week Into A Lifetime of
          Wealth
          
               Would you like to work a few hours a week, and
          receive residual income for the rest of your life? 
          Commissions on the customers you sell today can
          continue indefinitely, and so can commissions on the
          sales of agents you recruit -- for up to seven levels
          under you.  
               Rodney Dangerfield has been signed as the company
          spokesperson.  He is appearing in national advertising
          designed to expose the company name to the general
          public as well as the network marketing industry.
               And there are NO monthly purchase requirements --
          you don't even need to be a customer yourself to earn
          this money!  
               The product is both domestic and international
          long distance services, and the company is Net-Tel. 
          The international part lets you sell services in other
          countries, and recruit agents in other countries,
          creating an opportunity to build a truly global source
          of income.  We'll come back to the international aspect
          in a bit, but first, lets examine the opportunity and
          the commission structure.
               It costs less than $100 to become a Net-Tel
          representative.  Net-Tel is multi-level, and you earn a
          5% commission on the long distance services you sell
          yourself.  These services include residential and
          business long distance, 800 numbers, international
          callback services and pre-paid calling cards.  For the
          basic services Net-Tel is an agent of LDDS Metromedia,
          the fourth largest U.S. long-distance company, with
          peak time rates generally 20 to 30% lower than AT&T,
          MCI, and Sprint.
               Because the commission on these services goes on
          for as long as your customer stays with Net-Tel, the
          work you do in the early years can give you a lifetime
          of commissions.  Your customer does not need to become
          a Net-Tel agent -- the multi-level aspect only comes
          into play if you want to recruit somebody as a
          representative.  If you wish, you can simply sell long
          distance services to individuals and businesses without
          ever recruiting another person as a representative.
               But if you do want to recruit others as
          representatives, the income potential multiplies
          dramatically.  The commission structure then pays you
          on agents you recruit, and the agents they recruit, for
          a full seven levels under you.  Commissions are paid on
          all sales, unlike some companies that only pay after
          your agents have achieved a large volume of business. 
          On the agents you directly recruit, you receive 2% of
          their sales.  At the third level -- the agents they
          recruit -- you receive a 1% commission.  The fourth
          level pays 1%, the fifth and sixth levels pay 1/2%, and
          the seventh level pays 1%.
               Net-Tel lets you recruit non-profit organizations
          as independent representatives, in which case the group
          will receive the full 5% commission and you will
          receive the 2% override commission.  And Net-Tel will
          even pay the agent fee for groups with IRS-approved
          tax-exempt status!
               In the past few years, an international discount
          telephone industry called "callback" or "third-country
          calling" has been growing rapidly.  (The name
          "callback" for these services is because most of them
          use a computer system to automatically call back to the
          customer's foreign number when the computer has been
          called.)  Net-Tel has now entered this industry,
          providing an opportunity to recruit agents in foreign
          countries as well as make direct sales worldwide.
               "Callback" primarily serves people outside the
          U.S. who need to call the U.S., or call between two
          foreign countries.  Since discount telephone services
          are not available in most of the world, an industry has
          developed to serve these markets by channeling the
          calls through the U.S.  American telephone rates are so
          low that it is cheaper to route a call through the
          U.S., even though that means paying for two separate
          calls.  
               In addition to callback services, Net-Tel offers
          another international service -- a prepaid card that
          can be used for international calling, thus making
          international telephone services readily available to
          travelers, people without a telephone of their own, and
          others who may have occasional needs but not need the
          full callback service.  
               And you'll be getting a percentage of all those
          calls if they're sold through the network of
          representatives that you've built.
               While the market is foreign, that doesn't mean
          that Americans can't make money from this service. 
          Some of the markets you might consider are
          international travelers, and companies that have
          representatives traveling overseas.  Anybody with
          family members overseas who call frequently is an
          especially good prospect for this service.  Who do you
          know who has a relative on an overseas military
          assignment, or a child spending a year at a foreign
          school as part of a student exchange program?
               The key to making big money with the international
          portion of this opportunity is finding good
          distributors in foreign countries and signing them up
          under you.  The person you sign up now in another
          country might go on to build a network of agents
          throughout that country.
               To get an application form to become a Net-Tel
          representative, send a self-addressed stamped envelope
          to:  
                    Network Marketing Group
                    3712 North Broadway, #502
                    Chicago IL 60613-4105.
               To assure professional and knowledge agents, once
          you have signed-up as a Net-Tel representative you will
          be able to participate in free training sessions that
          Net-Tel schedules around the country, to learn about
          each of the products in detail and be able to answer
          your customer's questions with confidence and
          assurance.
          
          
          Earn Big With Your Own Mortgage Reduction Business!
          
               Homeowners across America are paying big money to
          save $50,000 to $100,000 or more on their mortgage
          interest costs.  Working from your home or office, you
          can earn a six-figure income by offering the Equity
          Acceleration Program with no previous experience or
          license required.
               The Equity Acceleration Program saves homeowners
          up to $100,000 or more in mortgage interest, reduces a
          30 year mortgage to 20 years, builds home equity 2-3
          times faster and can be transferred to future
          mortgages.  With the deferred payment program and a low
          minimum price, you can sell in volume.  The lifetime
          program requires no refinancing or credit checks, and
          works within the client's existing mortgage agreement.
               U.S. Mortgage Reduction is the nation's largest
          loan acceleration company.  They hire and train more
          agents than any other company in the industry.  You can
          become an agent for the company and either direct sell
          their money-saving program or hire other agents to sell
          for you.
               If you prefer just to hire other agents to sell
          for you, they will help you hire a successful network
          of agents and pay you large commissions on their sales. 
          You won't even need to direct sell, handle money, or
          manage people.  They do it all for you.  They earn
          their money through a larger sales volume.  You can
          hire agents through employment ads almost anywhere in
          the U.S.A. with their proven system.
               Would you like to learn more about this incredible
          sales  and/or management business?  Or why U.S.
          Mortgage Reduction has now become the number one
          mortgage reduction company in the United States?  Call
          the toll-free number below and they'll send you a
          complete information package absolutely free.  If you
          are interested in earning a seriously large income on a
          full or part-time basis, now is the time to call.  
               For a free information package by mail, call 
          1-800-365-7550, extension 70021.
          
          
          
          Be A Bank Deposit Broker
          
               Here's a really unique opportunity.  BankNet lets
          financial professionals sell FDIC-insured bank
          certificates of deposit (CD's).  If you are not in a
          position where you would be able to sell such
          investments yourself, you can still make money by
          recruiting financial professionals in your area to
          represent the BankNet program.
               Every month hundreds of millions of dollars are
          invested in CD's by individuals who will only put their
          hard-earned dollars in a safe investment.  How often
          has an insurance agent or other financial professional
          reasoned with a client about the safety and advantages
          of an annuity or single premium life policy only to
          lose his commissions to the local bankers' certificate
          of deposit?  It happens all the time!
               BankNet puts you in the business of negotiating
          CD's, and no license is required.  Do you know who the
          only other ones are that have this opportunity?  They
          are the banks, credit unions, and security firms.  And
          the cost to open your own bank, credit union, or
          securities firm would be astronomical.  By contrast,
          you are in business with a minimal capital outlay; you
          don't need to purchase or lease expensive office space
          if you don't want to; no staffing is required; no
          inventory is necessary.  
               For example, insurance agents can do extremely
          well by advertising CD's in their local papers along
          with a brief reference to "CD alternatives."  When
          appointments are set to discuss the CD's, the agents
          present the advantages of their annuities or single
          premium life policies and often times convince the
          client to take the life insurance product.  When they
          don't, they sell a CD!  Some bank's long-term CD's have
          an average annual yield of 10%
               As a BankNet agent you will have immediate access
          to the highest paying CD's in the country, updated
          daily.  Over 2200 banks that pay commissions under
          special contractual arrangements are scanned each week
          to insure that you are able to offer your clients the
          highest paying FDIC-insured CD's.
               BankNet is an FDIC approved brokerage agency. 
          There is no fee for this service.  Think of BankNet as
          a travel agent who arranges airplane tickets for you. 
          The travel agent gets the best price for you on a
          selected airline that directly pays the travel agent a
          small fee for their service.  BankNet is paid by the
          banks in the same way, and shares those commissions
          with its agents.
               This service has been available to institutional
          investors for over 9 years.  Last year alone BankNet
          sold over $100,000,000 in CD's.  Now it's available to
          independent financial professionals to offer to their
          clients.
               They have structured additional overrides to be
          paid to independent agents by letting you be paid on
          the business of new BankNet agents for several levels
          below you.  
               For more information, send a self-addressed
          stamped envelope to: 
                    Atlas Financial Services Group
                    Attn: BankNet Information
                    822 Guilford Avenue, #119
                    Baltimore MD 21202.  
               Before sending for the literature, however, we do
          want you to be aware that it does cost about $300 to
          get started, so this won't work if you can't afford an
          initial investment of that size.
               The BankNet literature you will receive is
          targeted to insurance agents, but remember that anyone
          can sell the CD's, either as their only business or as
          part of a professional practice such as investment
          advising, accounting, law, or real estate.  A
          securities broker license is not required.  And anyone
          can recruit financial professionals in their area,
          earning override commissions on the sales of those they
          recruit.
          
          
          
          Selling Legal Service Plans Can Mean Steady Profits
          
               Most people have never heard of legal protection
          plans, which are to attorney fees what prepaid medical
          plans are to doctor and hospital bills.  With a legal
          protection plan you can have continuing access to
          preventive legal care.
               As simple and as necessary as they are, legal
          protection plans have not become available in the
          United States until quite recently.  Legal protection
          plans were introduced in Europe about 70 years ago, and
          over the years have become very common and popular in
          Europe. 
               Statistics indicate the average American faces a
          greater risk of being in court than in the hospital. 
          Annually, millions of lawsuits are filed in the United
          States and over one third of the population experiences
          problems with legal ramifications.  Unfortunately, most
          consumers in the greatest need of legal services do not
          seek help because they do not know how to select
          competent legal counsel and fear the cost of that
          counsel.  
               Pre-Paid Legal Services, Inc., formed in 1972,
          pioneered the legal plan industry in the United States. 
          Their products are to attorney fees what prepaid
          medical plans are to doctor and hospital bills.  The
          plans are designed to help middle-income Americans get
          quality legal assistance without having to first make a
          financial sacrifice.  The company offers plans which
          make services available through a national network of
          independent attorneys under contract with the company. 
          In most states services include unlimited telephone
          consultations, legal correspondence on your behalf,
          will preparation and maintenance, legal document review
          (to protect you before you sign), motor vehicle
          violation defense, vehicle damage recovery, trial
          defense in civil actions, and IRS audit protection. 
          Depending on the state and the coverage available,
          costs are in the range of $9.95 to $25 per month.
               Pre-Paid Legal Services, Inc. is a public company
          with its stock listed on the American Stock Exchange. 
          It has enrolled more than 750,000 consumers.  In
          addition to individual clients, they have group plans
          offered by employers, and have considerable experience
          serving the needs of health care facilities, law
          enforcement associations, firefighters, city, county
          and state governments, banking institutions, school
          systems, and retailers.
               The opportunity to buy a legal plan would be
          useful information for our readers by itself, but there
          is also an opportunity to make money marketing the
          plans.  For a one-time fee of $49, you can become an
          independent sales associate of Pre-Paid Legal Services,
          Inc.  Excellent commissions are paid weekly.  The
          amount of money you can make depends solely on you. 
          You are also paid renewal commissions.  You own the
          business, and you can even will the renewal income to
          your children.
               For more information, send $3 for the "PPLS
          Information Package" to: 
                    Choyo Gomez
                    P. O. Box 1160
                    Pomona CA 91766.  
               Be sure to let him know if you just want
          information on buying a plan, or also want information
          on becoming an associate.
               The PPLS plans sell especially well to individuals
          in business, since legal advice on business matters is
          included in the program.  There is also a special
          program for commercial drivers, such as truck and bus
          drivers, and some agents have done well by specializing
          in this market.
          
          
          
          Profiting From Calling Cards
          
               Hospitality Services Group is a ten-year old
          corporation with an unusual telephone calling card
          program that offers you a profit opportunity.  The
          calling card is free, and is a stand-alone card,
          meaning that a person using the card does not have to
          change their long distance service.  For those people
          who use calling cards, it will save them up to 68% over
          the leading competitors.
               The card has a flat rate of 17.5 cents per minute
          for interstate calls, anytime, anywhere in the country
          including Puerto Rico, Hawaii, Alaska, and the U.S.
          Virgin Islands.  There are no surcharges, no monthly
          fees, no minimum monthly billings, and international
          calling is also available.
               The company sells through independent dealers, who
          distribute brochure/applications.  They pay a 5%
          commission on domestic calls, and 2% on international
          calls.  Your dealer code is on each of the applications
          you distribute, and you receive a commission on all the
          future business from your customers.
               You can also make money by sponsoring other
          dealers, and then you receive a 1% commision (0.5%
          international) on the business generated by their
          customers. 
               The cost to become a dealer is under $50.
               Because the calling card program does not affect a
          customer's home long distance service, and does not
          require them to change carriers, you can sell this
          service even if you are already selling another long
          distance program. 
               The method of selling becomes very different also,
          since you are distributing brochures to people who
          travel a lot.  Putting up "take-one" displays at
          heavily traveled locations such as airports and
          stations would be one way to start.  
               Who could you sign up as a dealer?  How about a
          store in the airport?  A travel agency?  A rental car
          agency?  An airline employee?  A truck stop?  An
          airline?  The shoe shine guy at the airport?  Hotels? 
          The prospects are endless, because the product can be
          of benefit to so many people.
               For more information and the forms to become a
          dealer, send a self-addressed stamped envelope and $1
          to: 
                    Jose Baisa
                    2 West Read Street, #141
                    Baltimore MD 21201.
          
          
          
          Software for Sharing -- and Profiting
          
               The most effective software for your computer may
          not be the most expensive.  Many people prefer low-cost
          "shareware" programs.
               Low-cost shareware programs can do the same things
          as most $500 word processing programs and $700
          spreadsheets sold by commercial software firms, such as
          WordPerfect or Lotus 1-2-3.
               Shareware programs are software programs that can
          be distributed and copied at little or no cost and
          without breaking any copyright laws.  In fact, the
          computer programmers who create and distribute these
          programs want others to make copies of the software and
          give those copies to friends, relatives, and neighbors,
          because they lack access to conventional software-
          marketing channels.  Shareware procedures can be
          effective in putting a new program into users' hands. 
          Then, as distribution widens and the use of the
          shareware increases, users' experiences can lead to
          refinements in the program.  After they have been used
          and improved over time, shareware programs sometimes
          are sold to conventional software-marketing companies. 
          While they are in the shareware-distribution channels,
          however, such programs can be welcome cost savers. But
          you don't have to write computer programs to profit
          from shareware -- in a moment we'll show you how you
          can make money selling these programs.
               Among the companies using shareware programs are
          Caterpillar, MCI Telecommunications, DuPont, Ford Motor
          Co., The Los Angeles Times, and Texaco.  
               Shareware is distributed in two ways.  Programs
          can be copied from program diskettes borrowed from
          someone such as a friend or a computer club, or they
          can be obtained for a small charge from mail-order
          companies that specialize in shareware programs for as
          little as $2 to $5 per disk.
               If you have tried a shareware program and decide
          to use it, you are expected to register with the
          software company that created the program.  The
          registration fee is typically $10 to $129, depending
          upon the complexity, quality, and popularity of the
          program.  The shareware user receives support and
          manuals like those that come with the more expensive
          software packages.  If you decide not to use the
          shareware program, you simply keep the diskette; no
          registration needs to be paid.  So you are only out the
          minimal cost of the diskette, which you can erase and
          reuse.
               Matrix Software Company has chosen to market it's
          shareware club memberships through a network of
          individuals who distribute their Automated ShareWare
          Catalog -- a diskette listing programs available. 
          Matrix charges $24 per year for a membership (a 3-month
          membership for $9 is also available) and members can
          then buy programs for as little as 89 per disk.
               As a software club member, you are invited to sign
          up as a sponsor and earn money from distributing copies
          of your catalog disk.  There is no additional charge to
          become a sponsor.  But you do not have to become a
          sponsor -- you can simply join the club and get
          programs at the member prices.
               However, by sponsoring members, you earn 7%
          commissions from their dues and from their shareware
          purchases, as well as earning commissions on those they
          sponsor for nine levels down from you.  This can add up
          to a substantial amount of money if you are willing to
          put just a small amount of effort into it, as Matrix
          says average purchases are just under $4 per member per
          month.  Just passing out the catalog disk is
          sufficient, since you are automatically credited with
          orders that are placed from the disks you hand out.
               To get a catalog disk and membership information,
          send $3 for postage & handling to: 
                    Lewis Sierra
                    51 McDougal Street, Suite 192
                    New York NY 10012.  
               Be sure to specify whether you need a 3-1/2 inch
          or a 5-1/4 inch diskette.  
          
          
          
          Get Your Own Home -- and Profit from Showing Others How
          
               What may be the most fantastic government giveaway
          ever began in late March, 1995.  The Clinton
          administration expanded the "203k" mortgage program --
          formerly a small remodeling loan program -- and turned
          it into a program that gives:
               * First-time home buyers the ability to acquire a
          house with no down payment. 
               * Nonfirst-time home buyers the ability to finance
          a dwelling that's bigger than the current appraised
          value of the property.  For example, you might have an
          "as-is" appraised value of $100,000 and walk away with
          a mortgage of $120,000.
               * Investors the right to stack the full costs of
          renovating a fixer-upper property on top of the regular
          acquisition costs of the house -- all for a 15% down
          payment that the investor can get back with substantial
          profits in a matter of months. 
               The 203k program allows borrowers to combine the
          as-is price of the property and the cost of the future
          renovations into one loan at the time of the purchase. 
          Then it extends highly favorable FHA down-payment terms
          to the entire package.  Though that frequently can mean
          a down payment of just 5 percent, the new 203k program
          takes the low down payment concept a step further.
               For what the government defines as "first-time
          buyers," the required down payment can go to zero. 
          First-timer for 203k, doesn't necessarily mean you've
          never owned a house before.  Rather, you simply cannot
          have owned a home during the three years immediately
          preceding your 203k loan application.  And if you've
          been divorced or separated less than three years, you
          qualify as a first-timer as long as you no longer have
          an ownership interest in a home.
               For small real-estate investors there are also
          great deals to be had.  For example, a small-scale
          investor or renovator locates a rundown townhouse
          needing $20,000 worth of repairs.  The as-is,
          unrestored price of the place is $70,000.  Total
          acquisition costs are projected at $90,000.  The
          investor puts down 15% ($13,500).  If the investor were
          going to retain the property for rental, a $76,000 loan
          ($90,000 less $13,500) would be the maximum mortgage
          allowed under the program.
               However, if the investor planned to sell the
          renovated house to a first-time buyer, the loan ceiling
          could be considerably higher.  Let's say an FHA-
          approved appraiser estimates that after renovations,
          the home would have a resale value of $125,000.  Using
          what FHA calls the "escrow commitment procedure," the
          investor could then qualify for a maximum loan of
          $119,250.
               After completion of the renovation, the investor
          would allow a first-time buyer to take over (assume)
          the $119,250 loan for a no-cash down payment.  The
          investor could either waive the $5,750 down payment
          altogether or take back a second mortgage note.  The
          buyer, of course, would have to qualify financially to
          handle payments on that size mortgage debt.
               At closing, from the $125,000 sale price the
          investor would get the $13,500 he or she originally put
          down, plus a "profit" of $29,250 (the difference
          between the $119,250 ultimate loan amount and the
          $90,000 acquisition and renovation costs)!
               A national company is now making deals using the
          203k program guarantees to secure the financing.  They
          will arrange financing anywhere in the country.  And
          even better, you can become an independent contractor
          promoting their program, receiving commissions for
          showing others how to get their house financed for an
          out-of-pocket cost equal to the closing costs.  (Your
          own house could be your first deal, thus applying your
          commission to the package.)
               No real estate or mortgage banking license is
          required to sell the program, so this has potential for
          everyone.  You can also earn an override commission on
          the sales of other sales people that you recruit.  To
          make this most profitable, you'd probably want to
          divide your time between selling directly to homeowners
          and recruiting others.  You could do especially well by
          concentrating your efforts on signing up real estate
          salespeople in your area, since they already have lots
          of contacts with people who can't get financing for the
          homes they want.
               The program provides homes to renters with nothing
          down.  The total amount required is an amount equal to
          just their closing costs.  This amount is usually not
          much more than a landlord would require with first and
          last months rent with a security deposit. 
               This market is potentially 8 times larger than the
          market whose buyers have a down payment available,
          which should provide enough prospects to keep you busy
          for awhile.  The program also includes assistance for
          those with poor credit, up to and including bankruptcy.
               To get more information on the marketing program,
          including an application form to become an independent
          contractor selling the program to homebuyers, send $2
          for postage & handling to: 
                    Atlas Financial Services Group
                    Attn: Mortgage Program
                    822 Guilford Avenue, #119
                    Baltimore MD 21202.  
               Please understand that the information you will
          receive is on the specific program being offered -- it
          is not generic information on the 203k program.
               Just think for a moment what your response would
          be if you ran a simple ad in the "homes for rent"
          section of the newspaper, perhaps reading "Tired of
          renting - no down required - learn how to own your home
          free and clear in approximately 10 years with no more
          than you would have spent in rent during the same
          period."
               One new client from this ad will pay you $500
          (based on a purchase price of $100,000) and this could
          be earned on your first day.  Is there anyone you know
          who would want to continue renting if they learned they
          can buy their own home free and clear in approximately
          10 years and it will cost them so little to buy?  If
          they can afford to rent, they can afford to own.
          
          
          
          Making Money With 900 Numbers
          
               900 number revenue is expected to exceed $3
          billion this year -- last year it was about $2.5
          billion.  You don't have to be an industry giant to
          share in this revenue -- there's plenty of room for
          little people.  Much of this incredible growth is the
          result of average men and women, who are starting with
          little or no money, and accumulating fortunes.  You can
          do the same!
               900#s are incredible tools that have generated
          millions of dollars for their owners.  Now you can have
          your very own 900# absolutely free!  
               Owning a 900# is like winning the lottery.  A 900#
          giving business events and stock market activity is
          collecting 100,000 calls per month.  The 900# credit
          improvement line is on its way to making over $40
          million dollars for its owner in 12 months.  And there
          are many more success stories.  These cases are true
          and 100% fact.  They are people just like you. 
               Now, realistically, you can't make a million
          dollars overnight, and we're not saying you'll make the
          same kind of money your first month.  But the average
          earnings for a 900 number manager are over $215,000
          annually, and that's average earnings.
               When you manage a 900 number, you earn $1 for
          every minute a caller listens to your recorded message. 
          The average call is 3 to 5 minutes long.  The service
          bureau handles all the calls, and can handle over one
          million calls simultaneously, so no one will ever get a
          busy signal when calling your 900 number.
               Michael Forbes, founder and President of
          Information Brokerage Systems (IBS) is our insider
          contact in the 900# business.  IBS is willing to give
          you a 900 number free, because they need creative
          individuals who are serious about making money to
          manage their 900 numbers part time from their home. 
          Once you affiliate with IBS, your 900 number is yours
          forever.  There is no time limit on when you use it, or
          how long you wait before you start.  
               When you join IBS you'll be assigned your very own
          personal consultant to help you choose and implement
          the strategies that will bring you the greatest
          results.  IBS will also help you get started by giving
          you a list of 85 proven successful programs to operate
          on your number, although you are also free to develop
          your own programs.
               Along with 900# managers, IBS is also recruiting
          mail order brokers.  There are more people who want to
          manage a 900# business than IBS can possibly reach, so
          you could be in business instantly selling 900 numbers
          nationwide.  Simply by referring a customer to IBS you
          will receive an immediate commission, and also receive
          20% of the phone revenues generated by your customers
          every month.
               To get more information on becoming a 900 number
          manager and broker for IBS, send a self-addressed,
          stamped envelope to: 
                    Information Brokerage Systems
                    Dept. D
                    P. O. Box 14038
                    Lenexa KS 66285.
               IBS has a financial interest in whether or not
          you're successful.  If you're not successful, no
          telephone revenues are generated, and if telephone
          revenues aren't generated, IBS doesn't make any
          profits.  So they will help you every step of the way.
          
          
          
          Can You Sell Astrology?
          
               Readers looking for a unique opportunity will be
          interested in Profiles Unlimited, a company which is
          offering both individual horoscopes and compatibility
          analysis (two horoscopes and analysis) through a multi-
          level sales structure.
               They pay 25% on direct sales, 10% on the sales of
          those you recruit, and smaller commissions on levels
          below that.  You have a perpetual inventory of sales
          people; if one of your recruits creates a sale you are
          compensated.  If you become inactive, you still will be
          compensated the same day the company receives revenue. 
               The company does not have a package of
          standardized literature, preferring to have each
          individual develop their own market and delivery
          technique.  This becomes your trademark and helps you
          develop a stronger business, since no two people sell
          in the same way.  The company will pass on some of the
          means that have worked for them.
               For more information write to: 
                    Profiles Unlimited
                    Suite 239A
                    4629 Braemar Place
                    Riverside CA 92501.
          
          
          
          Are You Healthy, Wealthy and Wise?
          
               If you are not already wealthy and you want to
          give yourself a chance for a healthy, quality life to
          age 120 and beyond, then Longevity Associates of San
          Jose, California, will mail to you a summary and
          analysis of several different companies in the U.S.
          that could definitely help you to achieve wealth while
          improving your health and the quality of life.  Send $2
          to: 
                    Longevity Associates
                    1441 North Clovis Ave., Suite 62A
                    Fresno CA 93727.  
               It's a very interesting presentation which you'll
          find very helpful if you use or sell any health-related
          products.  Longevity Associates has produced a
          comparison report on both multi-level and non-multi-
          level companies in the nutritional & health field. 
          
          
          
          Join the Cell Tech Explosion
          
               Could you benefit by having more energy?  Enhanced
          mental sharpness?  A better memory?  A positive and
          hopeful attitude?  Better overall health?  Would you
          enjoy being paid for having fun helping others improve
          their lives?  Then Cell Tech says their Super Blue
          Green Algae is for you.
               For 13 years, Cell Tech has marketed a single,
          specialized product -- capsules filled with freeze-
          dried, blue-green algae.  It has a 70,000-square-foot
          corporate headquarters, a staff of nearly 200 serving a
          field force of over 100,000 distributors, and sales
          just keep growing.
               Based on one of the earth's most nutrient-dense
          foundational foods, Super Blue Green Algae products are
          valued by professionals -- and anyone who wants to feel
          healthier and be more productive while sustaining a
          dynamic and enviable lifestyle.
               The distributors explain to prospects -- and
          present scientific documentation -- that the blue-green
          algae Cell Tech harvests from Klamath Lake in Oregon is
          the most nutritious food left on earth.
               To find out more, start by ordering the free audio
          cassette tape, "Who Stole America's Health?" by Dr.
          Erwin Gemmer.  The tape tells you how to get:
               * more consistent physical and mental energy all
          day long; 
               * greater mental clarity, memory, concentration;
               * improve your attitude and eliminate mood swings;
               * relax more and reduce your stress level;
               * look & feel better & have a greater sense of
          well-being;
               * improved digestion and assimilation of food;
               * loss weight by reducing junk food cravings;
               * heightened self-healing and accelerated recovery
          time;
               To get the tape, send $2 for shipping and handling
          to: 
                    Free Health Tape Offer
                    113 Elm Street
                    Stoneham MA 02180.
               In addition to improving your health, you can make
          some real money with Cell Tech's marketing plan.
          
          
          
          Building Personal Power and Freedom
          Through Business and Networking
          
               Terra Libra has created a multi-level program
          called LifeMoneySuccess.  
               The LifeMoneySuccess program (LMS for short)
          enables you to promote just one easy-to-sell program,
          while participating in 6 additional proven high-profit
          programs.  In other words, YOU promote one program,
          which pays you commissions on 2 levels, and Terra Libra
          will promote the other 6 programs to your LMS downline
          at no cost to you!  When they join, they are put under
          you in your downline -- which means that LMS develops
          additional income streams for you which grow
          automatically month by month.
               Meanwhile through your own participation in LMS,
          you will be receiving help with everything from
          marketing to taxes and investments. 
               Terra Libra opened for business in May, 1993, and
          today has 8 full-time personnel and several part-
          timers, with thousands of satisfied customers in all 50
          states and in 27 other countries.
               They've held four conferences, attracting leading
          nationally and internationally-known speakers, such as
          John Pugsley, Doug Casey, Harry Browne, Dr. Jack
          Wheeler, and many more.
               The whole LMS story, and details of the various
          programs, are more than we can devote space to, but if
          this is of interest to you send $1 for their brochure
          to:
                    Wealth Builders Group
                    Attn: LMS Brochure
                    421 N. Rodeo Drive, Suite 15-345
                    Beverly Hills CA 90210.
          
          
          
