Originally posted by pentan3008:

Is the price really more expensive when compare to US? Are you currently in Melaleuca?

What do you mean forced matrix? Meaning only 5 at 1st generation then extra will go to 2nd generation? At 2nd generation, refer more than 25 will go to 3rd generation. Is this what you asking? If yes, then it is.

No I am not in melaleuca. I compare the price of the same product sold in US and Singapore from the website. The exchange rate is now 1.467 but the price different is 2.x

Thank you for explaining force matrix.

Hi,

I been reading some info from the web about the company. Just wonder there anyone to open a discussion on Melaleuca.

Why is the items in Singapore is so much more expensive than in US? what exchange rate are they using for the based point???

Do Singapore agent get the same compensation plan as in other part of the world?

I hear is a force matrix plan, it is true. How it work?

I think we just need to learn how to say "No, thank you" without feeling pai seh. No need to lie or make up story.

Just tell them nicely that you dont wish to be disturb.

If they continue to ask question or beg you to fill survey.... continue to say "No, thank you". They will know you are seriously "Not interested".

Let be gracious to them.

Originally posted by qpicanto:
BEEN INFORMED BY SOMEONE, HAS RECEIVED A LETTER FROM GREAT EASTERN TO DEDUCT THE CPF VIA ELDERSHIED AT AN EARLY AGE OF 40.

CPF HAS GIVEN AUTHORITY TO INSURANCE CO TO DEDUCT FROM YOUR CPF WITHOU [b]YOUR AUTHORISATION.

CPF HAS GIVEN AWAY PERSONAL INFO SUCH AS THE NAME,I/C TO INSURANCE CO.

AS THE LETTERS ARE SENT BY INSURANCE CO MANY WOULD JUST THROW THEM AWAY NOT KNOWING THERE IS A OPT-OUT FORM.

WARN YOUR FRIENDS ABOUT IT.

[/b]

The more people sign up, the less burden the government will have on taking care of old folk, it also benefit the tax payer. Let the insurance company Eldershield give all age 40 and above a basic level of financial security, so that less people go to social welfare for help.

You have 14days of free look when the insurance company send you the policy.

Originally posted by sohguanh:

NTUC Income is more affordable for those dun have so much money. But as in all insurance, the payout is lesser too. It is always premium high payout high at least to a certain extent.

When I still in Army, parents bought NTUC Income for me cuz is the cheapest and yet provide some protection. Now working, I opt for another with much better payout and with dread disease rider attached. And no it is not those BIG companies. It is a local Spore insurance company called AsiaLife. Wonder if anyone heard of it. Not a lot ppl hear cuz commission structure there not as good but instead company try to persuade the agent stay longer cuz commission get more in later years

If we want protection, more importantly look at the coverage, return is secondary ....have to consider what is the benefit and exclusion of the policy.

If return is important.....go for saving or investment plan.

Originally posted by play_n_play:

all the while using the cpf medisave to buy the NTUC incomeshield -- plan B. a few months back, my wife got a small operation in TMC to take away a small tumor in her chest.

the operation and other services cost around 4k S$, but NTUC said i could not claim any single cent. i am very surprised to see their report. then i called to complain, they told me plan B is for the governement hospital and asked me to buy another plan, Plan P. i felt ridiculous, last time, no Plan P and it just out this year. VERY BAD...

Any similar experience?

It sad to learn about your incident. My advise to you is that dig out all your insurance policy and understand the term and condition fully, if you find it troublsome, ask your servicing agent to help you to explain in detail your policies.

Sometime, we just dont remember all the benefit, the exclusion and rider etc...

Oh by the way, Ang Mo Kio community Hospital is not under government structure hospital... cannot claim also.

Originally posted by arch123:

I am looking for ILP policy.

Is there any reasons why you chose ILP as compare to other insurance products?

Originally posted by leddy:

Sometimes I feel sad for the mlmers, esp those who invested alot of money and time and ended up poorer...

but come to think about it. mlm does provide some opportunities for ppl who not much of higher education to make a decent salary. Imagine if you dont have at least a diploma or degree in singapore, it's so hard to find any job, needless to say a decent paying job.

at least mlm provide these ppl with something to do, some means of supporting themselves, and some have make it big, whether or not thru scamming means I dont want to comment.

This is the only positive thing I recognise in mlm

quite tired of arguing here... everytime lim peh come out with all those arguments about business, kenna the mlm ppl always never reply to my pts one. always jump to something else.... sian liao hahaa no more fun for me

I feel sad too. Many invest their money and thought they can make lot of money easily without doing much. It really sad to see so many people fail without seriously committing time and effort to make it happen for them.

It is not attenting the meeting, buying of products and evaluating the company, hunting for the best comp plan that make money. You need to be able to sit down and talk to people able your venture. How many people have they share the marketing plan/products? How long are they in the MLM before they call it quit?

In general, it take 2~5 years to see result in MLM.

Originally posted by pisces8:

When we write it here, it appears very reasonable. But when in the Hall, when brother and sisters are roped in, when friends are roped in, when colleague are roped in, when relatives are roped in, it is a totally different story. The amount of pressure cooking can be terrible. The weak minds will cave in and only a few able to sit up and say no.

http://www.pyramidschemealert.org/PSAMain/pyramids/pyramids.html

Would you say "yes" if your friends, relative is prospecting you?

If someone intention is to recruit the weak mind. It will be likely that the structure will fail and not having any residual income. The weak mind will just be a number in the downline structure. When they fail, you have one more person to tell the world that mlm does not work.

Only those who are seriously willing to work on the plan have chance of making income.

Originally posted by laurence82:

That is a very negative attitude on your part.

In fact, i am not anti MLM myself,

You lack persistence, and wanting to find the right person. What is it in your products or marketing plan etc that fails to light up enthusiasm in non mlmers? Have you considered these issues before you want to pick on people attitude?

In fact, a lot of successful MLM companies i see influence and change, rather than pick the right person.

If not, your company can choose not to do MLM, but rather go back to the common recruitment drive for marketing executives.

Btw, Ms Jane comes from a company that fits the characteristics of a pyramid schemes, as opposed to the usuall MLM companies. Are you encouraging such practices?

Screening is essential in order not to spare to much time to convict other into your plan, especially when one think that MLM is not for them. If I am persistence, they will say "you are hard selling" , right. Move on...

Even recruitment dirve will specific their requirement and screen unqualify person, in order not to waste time and recruit the wrong staff.

If you are the boss, would you prefer quality people under you or just anybody who you convict to join your company?

Beside there are so many different products and marketing plan. I might not have the right product or marketing plan that suit everyone preference.

Originally posted by laurence82:

This is ridiculous.

Alredi many non mlmers told many mlmers that they must show that they earn b4 the non mlmers are convinced mlm can work.

Ms Jane is saying that she will show us her first million dollars earned b4 we all will go join her?

Sure, we are waiting.

There are many successful people in any MLM company. If these non MLMer really need to see success before joining, they just need to go to a MLM meeting to look for the top producers.

I guess this is just an excuse, they are not the right person to prospect. Ms Jane, dont waste your time.

Originally posted by laurence82:

Who says its MLMers flaming one another?

I can assure u, a large percentage of the peeps here arent MLMers.

And one mistake most MLMers make is that they assume they are right, and that others owe them a living.

They forget that their income comes from attracting people in. MLM are not churches or evangelistic spiritual groups.

If one keep thinking the world revolves around him, i want to wait and see where he can get his income from.

I believe not all MLMer are like what you have said.

We are only interested in attracting the right people, not all people. For some, MLM may be it. For others, it's probably not.

I personally say NO people who demonstrate negative attitude when it comes to talking to them about my business. Because I don't need them. They will only make my business difficult for me. Few people will see the opportunity in the same light as I do, I have no problem with that. Just say " Thank you for your time" and move on.

You see, when we join a MLM, we want to have a large network of people wth a common objective, people who believe in MLM will work, we have many MLMer here in the forum except that each doing different opportunity.

If we could just all team up together to start on a new opportunity together. Maybe, on the first day, we already have a network of 100 over committed people, not just people who are still unsure if MLM will work.

I think it human to think that his/her opportunity is better than other. So we have to sort out which one is worthy to start.

I am sure everyone know why we need a big network, the bigger the better, better leverage and chances of surviving is much higher than to start all alone and build it up slowly.

I thought if we can successful start an opportunity in this forum, we can hop to the next forum and next forum to get more MLMer to participate.

I know why we need big network....next we need to know the how and what to do?

I just wonder of ther are people willing to explore together with me. If there are interested party, we can come together to solve the HOW to do it.

Singapore water is clean and safe. But with a filter at the end point, the water will be much better quality.

I remember my mum use to tie a white cloth to the tap to act as a filter. After a month you could really see the whole white cloth turn brown.

I guess if I have better water, my body will not have to work harder to purge the contaminate I drink daily.

I understand that there are many different standard in nsf.

Many company have Standard 42 which is Aesthetic effect(Taste and odor reduction, chlorine reduction and nominal particulate reduction), while some include Standard 52 which is Health.

If there are several filter in the system, just check if all the filter are certified.

If I am not wrong water ioniser - change the ph level of water using eletric plate. Just be careful, not all people are suitable to drink slightly more akaline water.

Hi All,

I am glad to find this forum, but also sad to see MLMer flaming one another. Talking bad about another company, that will create a bad impression of the industry. Let focus on our own business, why be bother by what the other comment on another company.

I hope to collaborate with many MLMer in this forum to build a successful network together. I can't do it alone, I need your help. Thank you

Quote - Colin Powell
"Organization doesn't really accomplish anything. Plans
don't accomplish anything, either. Theories of management
don't much matter. Endeavors succeed or fail because of
the people involved. Only by attracting the best people will
you accomplish great deeds."

Hi ALL,

I am new to this forum. Have read some tread and know there are quite a handfull of MLMer here.

I have a though....just thinking aloud

If all of us can decide which is a better company to join, and all sign up as a group, wouldn't this give us a good chance to get a better compensation.

If I am going to join a MLM company alone. There are no leverage, maybe except support from the upline.

I am sure many of the MLMer may have try more than one company, so why not we choose another good one and join together.

Any comment??