Probably, a lot of people would like to live in a beautiful big house in the spectacular quiet place or in a penthouse on the upper floor, would like to have a sports car with folding top or a jeep. A lot of people would like to travel, rest in the exotic countries and drink a chilled juice from the coconut at the beautiful coast… A lot of people would like to have an independent lifestyle and command your own time on your own. Almost everybody is thinking of his children’s future.

So why are there so many people who could hardly keep body and soul together and in a rush for money? There’s always lack of time for them – even when they are 60 years and they are on a pension. And probably these people studied well at school, college, and university. They have been good workers and have been doing industriously their work. Maybe, some of them are involved into the business. But the problem known to all of them is lack of money.

And there others that live well and carelessly: they have good dwelling, drive nice cars. They frequently go on vacations and they don’t need the money. They possess a lot of free time to devote it for their children. They also have a problem, the problem of money abundance.

The next pages of this booklet are going to reveal some points of financial skillfulness that will allow to leave the circle of lack of money and to enter the circle of money abundance that is capable of leading the person to the independent lifestyle and also of helping him to bring to life his dreams.

What is going on in reality during the whole life?

The people are going to school; study the subjects that are of little practical use in life, then – college, university or training college where they study some specialty and how to become an industrious worker or employee. Nobody tells the young people choosing the educational establishment that after the graduation when they start working they will lack the money for their needs and they will work till their final days.

Nobody tells the businessman before he decided to start his business that first he must pay everything that necessary for the government: permissions, taxes, patents, licenses – and only after that he will have the right to earn for himself.

He will have to struggle for existence with the competitors and controlling bodies.

A lot of people also know that a man having gone to pension cannot be secured with only pension.

  That is why it is necessary to start the way for financial independence. In order to change this reality.

Financial independence is the condition when there is plenty of time and plenty of money to occupy this time.

The millionaires describe the financial independence next way:

Financial independence:

It is income that gets the person divided into monthly expenditure and he may live 10 years without having to work and his standard of living shall not worsen

The people living this way usually spend as much as they earn and sometimes even more through borrowing a little sum in somebody just to manage somehow till the salary. In most cases their financial documents are unconvincing for the banks to get a credit for a dwelling, automobile or starting someone’s own business.

The middle class has a lot of liabilities and usually mixes it with the assets.

A lot of people think that a house, car, yacht and garage are assets. It is a faulty opinion. If you listen to the audio record “How to avoid a financial trap or the Road to financial independence” you will realize the gist of the difference.

The rich possess a lot of assets: real estate, deposits in the banks and financial institutions, financial portfolios and futures.

So, how may a person from the poor and middle class cash-flow go to the rich one?

There is one tip that is going to lead you to the road of financial prosperity in order to start living such way as the rich do.

It is necessary to save 10% of all the incomes for your future asset.

It is 10% that is necessary to pay for yourself. And it’s better to start doing it just now. Usually we pay everyone – for food, for clothes, for electricity, for water – but nobody pays themselves. The one who has started saving 10% has much better financial state and his life starts changing for better.

But it’s silly to think that it is everything you need to become rich. It is only the first step towards financial freedom and independence. There are five such steps.

The 1st step: To save 10% from all your incomes.

The 2nd step: To control scrupulously your profit and spending.

The 3rd step: To save and protect your money from losses.

The 4th step: To learn to invest.

But first of all it is necessary to understand that investing and investments are different notions.

Investing is a long-term process, it is realization of the fact how the money may increase in 5, 10, 15, 20 years.

It is necessary to learn the rules of investing.

The 5th step: Perpetually to increase your capability of earning more.

The movie “The Road to Financial Independence” explains in detail the possibility how to organize reliable continuously growing income from 50 000$ to 100 000$ in 5-10 years allotting for it 5-10 hours per week. To achieve this we offer as the instrument a multi-level marketing.

Let’s consider how it may happen.

Using the system of duplication and following the recommendations of the tutor, as shows the experience of many professional MLM-network distributors, there might be from 3 to 10 leaders in the network. This network may provide a monthly goods turnover from 5000$ to 15 000$ as far as in any multi-level marketing company it is paid from 5% to 15% of turnover – on average it is 10%. So, the check is from 500$ to 1500$.

Accordingly 10% for the assets – it is from 50$ to 150$ per month that in three years may composite from 1000$ to 5000$ in the assets.

In the distribution network there might be from 50 to 100 leaders and they may provide the goods turnover from 50 000$ to 100 000$, and the check accordingly is from 5000$ to 10 000$. So, 10% for the assets – from 500$ to 1000$ per month, and there may be from 10 000$ to 50 000$ in the assets.

In the distribution network there might be from 150 to 300 leaders and they may provide the goods turnover from 200 000$ to 500 000$, and the check accordingly is from 20 000$ to 50 000$. So, 10% for the assets may already composite from 50% to 80% monthly from the check.

The assets may take from 10 000$ to 40 000$ monthly. Accordingly you may have from 100 000$ to 1 000 000$ in the assets.

Comparing this table with the table of the financial flows of the rich people it is clear that the professional MLM-distributor during 10 years lives using the flows of the rich people with one little difference – he has something that many rich people do not have: he has created a network of independent entrepreneurs-businessmen of the multi-level marketing.

The network is the most reliable and continuously growing asset.

Opens possibilities.

The new business and personality development paradigm.

Or, maybe, it is a financial pyramid that should be regarded as a threat for the society?

A lot of people mix the financial pyramids with the Network Industry though there is nothing common between them. The financial pyramids use the money instead of the product saying that “money makes money”.

All the system is built on the recruitment to put in more money. There is no percentage, no goods turnover. The % is received only from new recruited members.

The network companies have:

	Product.
	System of delivery and distributor training.
	The percentage is received only from the goods turnover.

If the multi-level marketing is not a financial pyramid why so many people avoid it? Why is it so incomprehensible?

Yes, it is a revolutionary business.

It is quite legal.

It has discovered the possibility for millions, it has helped to become rich and bring to life the dreams.

For certain people it is an advantage to label this business as Disorientated. As far as exactly in the multi-level marketing the person may become the master of his life and a lot of people are ready to sacrifice their lives to everyone but not themselves.

Yes, it is really the new paradigm of the community and all the network businessmen are seriously involved in self-development. If everybody studied those books that the network people study, I guess the life of the people would be full of bright events.

This unique business involves millions of distributors that annually earn billions of dollars through the network sales.

It functions in all 50 states of the USA and more than 80 countries of the world and starting from 1990-ies it has come to the countries of the former Soviet Union. However, it is probably one of the most incomprehensible businesses.

The multi-level marketing has made a lot of people millionaires and encourages millions of others. But what are the realities of this secret business? How much is it safe for wealth accumulation and guarantee of residual income receiving?

The promised advantages are quite persuasive. Some advantages of multi-level marketing in comparison with traditional work or business are:

	availability of unlimited potential for the income;
	selection of people you are going to work with;
	business start with minimum investment;
	possibility of working at home;
	acquaintance with new and unique products;
	possibility of avoiding many taxes;
	possibility of working with part-time employment.

Sum it all and you will get freedom from the useless money pursuit.

The network has appeared a final chance for a typical person without much capital to become independent in the financial notion in the system of free enterprise.

It is the means of helping yourself by helping the others.

You must have heard the definition of the network as a method of product promotion from the producer to the consumer without mediators that a lot of people confuse with the sales. Now you are thinking: “Just a minute, is not it sales? Someone has to sell something, doesn’t he?” Yes and no.

Do not make a mistake, multi-level marketing is not just the means to deliver the product to the end user. Multi-level marketing in reality is not a trade business but more accurately training: training business. A lot of people achieve success in this business thanks to the fact that this business is available for duplication.

The person, seller by nature, may go and sell a lot of goods but very often he cannot teach and train others.

The person who cannot sell being afraid of promoting the products even does not consider the proposal to enter the business.

However, in reality the multi-level marketing is not the Business of Sales, essentially it is business of meetings and proposals.

That is the principal essence of product promotion.

Most of the sales in the network are realized through recommendations and consumption.

Apparently the sales less than retail price is not going to be very profitable matter but this declares your rights as an independent businessman.

Very few people in the network promote the products on a broad scale – they are so called product sellers, usually there are no more than 10% of such people.

To understand the difference of goods promotion in the multi-level marketing and traditional business you should get a couple of things.

When the producer has produced the product he needs that this product was bought by wholesaler-consignor. This wholesaler-consignor then transfers the goods to the enterprise of wholesale trade, which later would sell it to the retail enterprise which may send this product to the storage or to place it at some other location for storing where it would remain until reaching the shop, and only there you may come and buy it. The producer supports the retail enterprise, carries out a huge multi-media campaign. All of that requires the money – much money. Every stage of distribution should bring the profit. The advertisement is usually the reason of higher prime cost of the products than it is in reality. This hierarchic system is of no use either to you or to producers.

Let’s take the multi-level marketing. The product goes directly from the producer to the distributor avoiding a network of mediators. The only mediator between the producer and the customer is the distributor. The producer has got the opportunity to produce more qualitative goods by the price that is substantially lower than it would have been in the retail trade.

The multi-level marketing comprises thousands of distributors that are the super-active consumers of the products.

When you start the business of multi-level marketing you will feel a sudden negative attitude from your friends and family. Unfortunately, there are always people around us that carry negative attitude. You should realize that such people are afraid of your possible success and mastering your own life.

Dome people do not want to stay behind otherwise you are in front of them! They are going to say spiteful things of your undertaking What should you wait for in case of your decision to start MLM business.

, your company, your product and possibly they will laugh at you.

You should have more patience towards them!

In the end your friends will evaluate your success and will share it with you.

You can really make a fortune with the multi-level marketing. And what is more important it is your residual income, it is assets creation. It is a free life-style and realization of all your dreams and desires. It is the possibility of traveling and become the master of your life. All that really may happen to you if you get prepared well and choose the correct company of multi-level marketing.

As soon as you have selected the company, sign the contract, order the goods and start! Now you are in the industry that magazine “Money” in Russia and “NETWORK NEWS” in Ukraine called the most powerful means of approaching to the consumers in this decade.

You are at the vanguard of business development and moving forward, leaving behind the useless fuss in the pursuit of money!