Monthly Archives: March 2019»

Addiction Adieu Formula PLR Package Review And Bonus

Product Name: Addiction Adieu Formula PLR Package

Author: FireLaunchers

Just Grab this Top-Converting, Profit-Pulling, Done-For-You Private Label Rights Package to Rebrand, Resell and Make Consistent Income Online


Ready-For-Market Sales Material

Reduce “Time-to-Profits”

Fully Integrated Sales Funnel


Hot And Evergreen Topic From A Big Niche

That sells like hot cakes

Rebrand It, Resell It And

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Drive In Responsive Leads On

Complete Auto-pilot

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Addiction Adieu Formula with PLR

Uncover Best Tips and Strategies to Break-Free From Addiction and Staying Clean and Sober Throughout Life

A comprehensive guide that will help you learn how to get addictions under control, quickly and easily… for GOOD and achieve your goal of kicking your habit in order to return back to Normal and Healthy Life.Learn everything you need to know to get yourself on the path of Sobriety, Happiness, Beauty, Strength, Long-term Customers and the Truck-loads of Profits…

The price of Addiction Adieu Formula PLR Package goes up soon, grab it NOW!

What is The Addiction Adieu Formula PLR Package?

The Secret:

The secret is – They are selling Info Products in Hottest, Evergreen Niches!The rule of thumb is, if you want to be successful like others, you need to do well what they are already doing.And that thing is creating and selling your own info product in high-in-demand niches.A complete info product on hottest topic that solves the major problem is your gateway to make hard & fast money online.It not only establishes your Brand’s Identity but also will provide you full control, long-lasting income and flexibility.

4 Important But Easy Steps:

Download A Ready For Market ProductPut Your Name On ItUpload It On Your ServerMake Instant Sales And Keep 100% Profits

The price of Addiction Adieu Formula PLR Package goes up soon, grab it NOW!

Why Should You Get The Addiction Adieu Formula PLR Package?

Addiction is a fatal disease which not only destroys the life of addict but also severely affects his/her family.

The reasons are obvious, but in case if you wondering about how this niche is so Broad and Expanding…Then Let’s have a look at some astounding stats…

Over 200,000 people around the world die each year from drug abuse; this is not including car accidents or HIV etc. One-quarter of all emergency room admissions, one-third of all suicides, and more than half of all homicides and incidents of domestic violence are drug/alcohol-related. Excessive alcohol use led to approximately 88,000 deaths and 2.5 million years of potential life lost (YPLL) each year. Approximately 22 percent of the general population in the United States can expect to have a significant problem with substance misuse or abuse at some point in their lives. More than 97,000 students are victims of alcohol-related date rape or sexual assault.

And the number is still increasing…

If you or someone you know is experiencing difficulties with a drug addiction, you know how damaging it can be to a person’s life.

And Only 10% of people among those who are struggling with addiction actually try and find help. That’s because this disease can become so overwhelming and prevent us from seeing the light at the end of the tunnel.

Grab Addiction Adieu Formula PLR Package while it’s still on a launch special

Who will be Your Target Customers for this package?

People who are shattering their lives due to their substance abuse or behavioral habits.People who want to get their foot into the emerging ‘Health-Care’ industry.Teenagers who are abusing substanceand facing difficulties in their lives.People who are Suffering with “Dual Diagnosis” and require immediate treatment.Friends, Family Members or Parents of an addict who wants to help their loved ones.Pregnant women who want to kick their addiction to avoid complications.People relapsing again and againafter recovery and don’t know how to avoid it completely.

Overall this product is for everyone who is battling with addiction and longing for the normal and healthy lifestyle in order to save themselves from untimely deaths.

Who is The Addiction Adieu Formula PLR Package For?

Internet MarketersAffiliate MarketersDigital Product SellersContent MarketersMarketers looking to build their email lists.

Choose your own bonuses by buying The Addiction Adieu Formula PLR Package NOW

What Exactly is Included in The Addiction Adieu Formula PLR Package?

Explore the Overview of Addiction.Find out the types of Addiction – Drugs, Alcohol and Smoke.Digging the Root Cause of Addiction in a Person.Identifying the Signs, Symptoms and Triggers for Addicts.Determine the Impact of Drug Abuse and Methods to Repair the Damage Done.Determine the Impact of Alcohol Abuse and Methods to Repair the Damage Done.How to fight the Urge to Smoke and Smoking Relapse?How to Boost your Self-Esteem to Overcome Addiction?Explore how to Seek Help for Addicts – Rehab Process.How to Overcome your ‘Cravings’?How to Deal with the Effects of the Withdrawal Syndrome?What is the Role of Family and Friends in Recovery?What are the Effects of Addiction on Pregnant Women?Know about the Teens and Addiction.Know about the Aftercare of a Recover Addict.And so much more…..

Module 1

Premier Guide On Addiction Adieu Forumla, A Resource For Marketers

This guide contains excellent tips and techniques to defeat your addiction for a healthy life based on extensive research and advice from the experts in the industry to enable you to deliver massive value and get high-paying, long-term customers.

Written by professionals with over 35,000 words, here’s what we are going to provide in this 190+ pages premier training guide:

Module 2

Well Designed Sales Page Copy

This professional sales page copy can get huge sales rolling in as part of your front end sales drive.

Module 3

Customer Sales Video

We are giving you latest and updated Doodle style Sales videos that will drive traffic and improve your sales conversions. That is the reason we are giving you this video as a part of the front end offer to boost your sales to the next level.

Module 4

Professionally Designed Graphics

We will provide you with a complete set of professionally designed graphics for selling the product. It will include necessary artwork to sell the product and make it more convincing; you’ll be able to edit these graphics at your own convenience. Hence, we will provide the images in both PSD format and PNG format.

Module 5

Animated Banners

Why create banners yourself when our team is working hard to make it easy for you. Yes, we are also providing you with superbly designed animated banners that will drive traffic and convert it into sales instantly.

Module 6

Professionally Created Expert Email Templates

In this module, we are providing you with professionally written email swipes that will substantially leverage your sales and profits.

You can always choose any one of them, pick a subject line and send it to persuade further.

Module 7

Professional Minisites

What more can you ask for…and we have already done that for you. Yes, we have professionally designed the Sales Pages for you to just use them for your sales funnel. You do not have to invest your time and energy in hiring professionals or writing on your own. These templates are ready to use to improvise your sales.

Module 8

Legal Pages

In this module, we are providing you with 4 legal pages namely Anti-Spam policy, Earning Disclaimer, Privacy Policy Terms and Conditions. You can edit or modify it based on your company’s privacy policies and legal terms.

Module 9

Social Media Graphics

We are also providing a set of High-Quality graphics which can be uploaded to various social media platforms like Instagram, Facebook, Twitter, Pinterest, and YouTube. These would be helpful and can be used as banners, post images, etc. which will be useful in marketing your product on these platforms and save you a lot of bucks and time.

Module 10

PDF Graphics

In this module, we are offering editable graphics for every topic which is covered in this course i.e. the Training Guide. With the power of these High-Quality graphics, you can lure more customers and show the potential of this product.

Module 11

10 Unique Articles Bundled Into One

Article 1 – White knuckling Versus No Matter What. (Words 719) 
Article 2 – How Is Recovery Different for Older People? (Words 758) 
Article 3 – Is There Such A Thing As Chocolate Addiction? (Words 728) 
Article 4 – Adolescents and Internet Addiction. (Words 694) 
Article 5 – The Problem of Dual Diagnosis With Substance Abuse. (Words 714) 
Article 6 – Are You an Addictive Eater? (Words 837) 
Article 7 – How Rituals Play a Role With Addictions? (Words 732) 
Article 8 – Ten Signs of Problem Gambling. (Words 738) 
Article 9 – Acupuncture for holistic addiction treatment. (Words 726) 
Article 10 – Is Compulsive Shopping Really an Addiction? (Words 730)

(Both in Word and Text Format)

Claim your Addiction Adieu Formula PLR Package bonuses by grabbing this deal

Your Fast-Action Bonuses

Bonus 1

Cheat Sheet

This cheat sheet is a practical tool that will guide your customers with easy to follow steps of the whole training.

Each and every aspect of the guide is broken down into easy and executable steps that will help customers master the process and keep the entire process at their fingertips.

It makes the entire package more lucrative.

Bonus 2

Mind Map

Mind Maps will be a broad outline of the entire training program. With this handy tool, the customers will have a comprehensive understanding of the complete process and they will absorb the contents easily.

Bonus 3

Top Resource Report

This is a comprehensive Research Report on the subject of Depression which includes- Videos, Tools, Training courses, Forums, Infographics, and Facts.

Click this link to see the Addiction Adieu Formula PLR Package for yourself

License Pack

And of course, you’ll get the private label rights, master resell rights and resell rights licenses.

What you can do ?

You can sell it as it is and keep 100% profits.You can bundle it with other products.You can the content to post on social media profiles to re-engage your followers. It brings engagement and establishes yourself as an authority.You can offer it as a bonus to your existing product and make your customers happy.You can offer it as an upsell offer with your existing product.You can use it in your other video products or for your webinars.You can distribute it to your affiliates for they promote you.You can also create eBooks and maybe create multiple eBooks out of it.You can split the content to post on your blogs and engage more readers.You can ebook content in your online or offline coaching program. Train your students and get paid for it.You can re-purpose the content for offline use. Use it for your keynote presentations or convert it into a physical product to sell it at much higher price!You can retain paying members by adding this product to your paid membership site.You can turn the content into audio series or podcast and sell as an audiobook.You can translate the content to other languages, this will enable you the power to reach a wider audience!You can rename, rebrand or customize it and claim full authorship. Everything is up to you.

What you can’t do ?

No, you may NOT sell or giveaway private label rights (non-transferable PLR).No, you may NOT sell or giveaway resell rightsNo, you may NOT sell or giveaway master resell rightsNo, you may NOT giveaway the main eBook for free. Must be sold for at least $7.

Grab The Addiction Adieu Formula PLR Package today at the lowest possible price

What Addiction Adieu Formula PLR Package Review Bonuses Can I choose From?

What Addiction Adieu Formula PLR Package Review Bonuses Can I choose From?

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5 Tips On Improving Your Productivity When Working At Home

5 Tips On Improving Your Productivity When Working At Home

Freelancers are ambitious people who are creative and are self-starters. For some people, freelancing is a dream job. Imagine, no boss around telling you what to do and no cap on how much you can earn.

It sure sounds great, but freelancing is a lot harder than it looks. Since you’re the only one in charge, you have to be willing to put in the time with nobody pushing you but yourself. You need to be disciplined to do your work while avoiding all distractions.

In order to be successful at freelancing, you need to find ways to stay focus and boost your productivity. Here are 5 tips on improving your productivity when working from home.

1. Keep A Quiet Home Office

Keeping a distraction-free home office is essential for getting your work done. The television needs to be off and the door must be closed. For some, music can boost their creativity, as long as it’s treated as background sound.

There’s so much to distract you that you need to stay focused on the task at hand. You have a lot to concentrate on, and when your brain is overstimulated, you can only divide your attention so much.

Make sure there are no distractions in your immediate working area. You’ll be able to shoot all of your focus where it counts. Doing so will provide quite a productivity boost to your work.

2. Get The Distractions Out Of The Way First

When work and home are the same place, things will naturally overlap. This means work chores and home chores feel like a lot of the same. If it’s going to bother you that you haven’t finished the laundry or loaded the dishwasher, do it before you start working.

Tidy up your surroundings and make sure your household work is taken care of first so you won’t be sitting at your desk thinking about the pile of unwashed clothes in the next room.

3. Make Sure You’re Taking Scheduled Breaks

One of the many perks of working at home is that you get to decide when it’s break time. If you don’t have set, scheduled breaks, you might find yourself taking lots of small ones. Doing so will disrupt your chain of thought.

It’s easier to be productive when you’re working at something undistracted for a longer stretch of time, and then you take a few minutes to collect your thoughts when you’re transitioning between tasks.

You can employ the Pomodoro technique, in which you work for 25 minutes followed by a 5 minute break. After 4 breaks, take an extended 15-30 minute break before starting the process over again. There are Pomodoro apps to help you or you can just use the timer on your smartphone.

4. Create A Flexible Schedule

If you work with multiple clients, you know when all of your deadlines are due. Some of them may overlap. You might feel inclined to finish things as they come, but this can put you in jeopardy as far as timelines go.

Spend a little bit of each day working on a different project, and complete them in the order you receive them. This might even help prevent feeling burned out from devoting all of your time and energy to one thing. Walking away from something for a little while and coming back to it might help you be a little more objective, and a little more creative.

5. Always Take Weekends Off

Working through the weekend might seem productive, but it can actually derail your schedule beyond all recognition. If you’ve worked away the weekend, what are you going to do on Monday and Tuesday? Treat your freelancing business as a real job. Sometimes more or less regular, but still a job.

You work just as hard as everyone else, and you’re entitled to take two consecutive days off. Doing so will allow you to recharge your batteries, and focus on spending time with your friends and family.

Working from home is often socially isolating, which can keep you feeling low. You need to be your best self in order to be productive. Go out for a drink with your buddies on Saturday – you earned it and you deserve it.

Freelancing isn’t like most jobs – it requires a lot of special considerations to make it work. If you love doing what you do, all you have to do is make a few minor changes regarding your relationship with work. You are independent! You are your own boss! Call the shots that need to be called.

And remember: do your job as you want it to be done – the outcome is the only thing that matters for your clients.

The post 5 Tips On Improving Your Productivity When Working At Home appeared first on Money Home Blog.

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Top 10 Best Business Apps For Entrepreneurs

Top 10 Best Business Apps For Entrepreneurs

Business applications are really helpful especially when you are on the go. Smartphones have made it really easy for entrepreneurs to stay in touch with all their business needs. So, whether you are a budding entrepreneur or a seasoned one, there are some business applications which you should have in your smartphone.

Office Mobile (Office 365 Subscribers)

Office mobile is the best mobile version of Microsoft Office exclusively for the Office 365 subscribers. If you are among those entrepreneurs who work mostly on Microsoft Office on your computer, then this smart phone version of that is really convenient. It makes the whole process of carrying a laptop with you all the time more bearable.

You just have to have your smart phone device with you, and you can edit and create new documents whenever you want. It is also extremely easy to create presentations using Microsoft Power Point and spreadsheets with the help of Microsoft Excel as well.

This app works perfectly on iOS, Android and Windows Phone equally fine. You can also perform cloud sharing with the help of SharePoint, SkyDrive and SkyDrive Pro.

Although Office Mobile is a bit costly, yet the money is all worth it in the long run.


Owned by LinkedIn, CardMunch is an excellent app for keeping track of all your business contacts in one place. There is not rocket science involved in using this application. All you have to do is to take a picture of business cards and load them into CardMunch.


This is a very popular and an extremely practical app which is used by entrepreneurs. With 2GB of extra space, you can sync, download, edit and store all your files, videos, audios, pictures and other important files in this cloud sharing app.

If you have to share a lot of documents, then you can get a Pro account ranging between $8 to $42 per month.

Dropbox works on iOS, Kindle Fire, Android and Blackberry.

Square Register

Launched in 2010 by James McKelvey and Jack Dorsey, Square Register is an app used by businessmen the world over for accepting credit cards. It uses a free card reader and different free point of sales tools. It has got no hidden charges or fees and takes a simple 2.75% cut for all the acceptable credit cards. It takes simply a day or two for the funds to be transferred into your account through Square Register. In case you use an iPad, the app just looks like a traditional cash register.


TripIt is a must have for all those businessmen who happen to travel a lot. It helps you in reminding your whole travel related activities and makes sure that you never miss your car and even the plane. This app is specifically designed for those who travel if not on a daily but on a weekly basis at least. As soon as you make travel plans and start receiving confirmation emails from the various services which you have contacted, you can start forwarding those emails to

The best thing about TripIt is that it accepts reservations from restaurants, cruises, concerts and various other websites. Sharing your plans with TripIt is also very easy. You can do that through your Facebook, e-mail and even LinkedIn account.

Cisco WebEx Meetings

So, you have a meeting and you do not have your laptop in your hands? You do not have to worry at all in such a situation. All you need is to install Cisco WebEx Meetings app in your mobile device. It lets you have a 2 way conversation easily. What makes it different from the other web meeting apps is that you can attach files, show your presentations and even edit your Excel spreadsheet while using this app. It mostly let you perform what you would on any regular meeting.

If you are a small business, then you can even avail the free version which lets you do a conference web meeting with up to 3 people at a time and provides you with a storage of 250 MB. For more advanced features, you can chose from the various plans offered by Cisco. is perfect for budgeting, analyzing how much you have spent and how much you should save. It is basically a solution to all your financial issues in one place. You can use this app for keeping a track of all your plans: retirement, mortgage, loans, credit and debit included.


You can use Evernote for organizing different types of information which you collect from the internet. You can add text, pictures, videos, tables and a lot of other things into even a single note. Then you can embed , condense and organize them in any way you want. You can even use Evernote for organizing your emails, contacts and important notifications on your smart phone device.

There is a free as well as a paid version available for Evernote.


If you want to keep track of the hours you work, you should definitely have Toggl with you. It not just logs in all the billable hours you have worked but also gets synchronized with other business apps for making working easier for you. It just costs $5 a month, and is perfect for small businesses and freelancers.


This app is perfect for a business having at the most 10 to 12 employees. It keeps track of all your accounting issues and is available for free. You can even link it with your PayPal account. While the free version does have some nuisance in the form of unnecessary advertisements, yet it is all worth it when you are low on budget and cannot invest in a paid accounting app.

The paid version of Wave starts from $19 a month.

The post Top 10 Best Business Apps For Entrepreneurs appeared first on Money Home Blog.

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Menopause Anti-Aging Blueprint PLR Special

Product Name: Menopause Anti-Aging Blueprint PLR Special

Author: Kater from

My Menopause Anti-Aging Blueprint PLR Special Review and You Get To Choose Your Bonuses

What is Menopause Anti-Aging Blueprint PLR Special?

The information in this PLR special package provides readers with an overview of how we age and then 7 blueprints to slow down the aging process. This Product provides eBook, editable eCover, Free Images, and much more. You will get traffic to your social media, blog, and list. Menopause Anti Aging Blueprints PLR Special enhance your conversions and commission. It is matched with the info-graphics, videos, lead magnets, and much more.

Today, you can take this product and have a complete course to sell
in hours – not months! This health and wellness market is rich with
dozens of lucrative sub-niches for products, tutorials, and information.
If you’re in any wellness niche, you already know that menopause brings
about unwelcome changes. Since this impacts women age 40 and up, you
are connecting with those who have money to spend on information and

Health coaches and affiliates can stand out in this market with
professionally written content by subject matter experts. Promote this
to attract traffic to your blog or social media and then onto your list.

This is a complete package you can use to boost your subscribers,
affiliate sales or just sell the ebook as is. The options are limited
only by your imagination. This PLR release provides you with new
informational tools for connecting with people searching for guidance on
how to live longer AND better than ever.

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price


Menopause Anti-Aging Blueprint PLR Special

Here’s what’s included inside Menopause Anti-Aging Blueprint PLR Special:

Living a Healthier, Leaner, Stronger, Sexier and More Joyful Life After 50

Premium Ebook Keeps Your Product Sales Funnels Fresh

Fully illustrated and formatted

Easily edited with Word or OpenOffice.

brand with your business or name and upload to your host. Or update
with your own unique touch. Change as much or as little as you see fit.


Over 6,300 words. 35+ pages. Illustrated. Referential links and Resources Page

Table of Contents

Take a Peek Inside

Sample Chapter


Sales Copy is Included!

No need to start from scratch with our pre-made templates.

Sales page, thank you and download pages included.

Upload to your hosting as HTML sales page or cut-n-paste to your WordPress pages.

We even have training videos to show you how. Learn it once and you know how to do it for all your products.


Fast resource to share providing overview of hot topic for women.

Another Instant Resource

Editable Graphics


No need to start from scratch with our pre-made templates

Blogging Content


with a new title and add supporting content such as illustrations or
images, statistics, quotes, graphs, or videos and always a

10 articles (400+ words) in Word .docx and .txt format.

Are You At Risk for Autoimmune Diseases 412 wordsBetter Mobility As You Age 416 wordsDrug Free Steps to Avoiding or Ending IBS 435 wordsHow to Do A Self-Check for Skin Cancer 429 wordsLung Cancer Now Affects More Young Women than Young Men 411 wordsOvarian Cancer 418 wordsQuit This Habit While Struggling with Rosacea 404 wordsThe Relaxation Mineral 409 wordsUpdated Guideline for Cervical Cancer Screening 437 wordsWhat You Need to Know About Chronic Dry Eye 418 words



Match with articles for instant social updates when you publish an article.

10 Facebook and 10 Twitter Messages


Inspirations and tips

Publish to social sharing sites, use to build backlinks, whip out your iPhone and share it with potential customers at the grocery store, salon, Bunko party.  Editable PSD included.
You are a Marketer Extraordinaire!

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price

With Menopause Anti-Aging Blueprint PLR Special You Can:

Use as list building freebie to build your list.Sell the ebook.Monetize elements with your affiliate links for streaming commissions.Convert the ebook chapters into Podcasts.Upload slideshows, videos and PDF files for site promotion on high PR sharing sites such as Slideshare and YouTube, Vimeo, etc.Use PLR content to create autoresponders.Publish articles to your blog.Use the presentation to create a Webinar.Add your byline to the book review and share with another blogger for backlinks and traffic.Turn each article into a video article.Add links to the ebook and articles to products to earn commissions on sales.Create videos of presentation.Insert presentation slides as image in blog posts.Create a coaching program.Create a members only portal where you host special training and charge a monthly fee.Promote training as a home study course.Merge topics into a pillar content leading readers to an opt-in button.Create a monthly paid newsletter.Translate the material to a foreign language.Record articles into a podcast.Brand the eBook as your own and sell it.Convert Articles into podcasts.Merge 5 articles into a special reports.Use snippets on Facebook and Twitter.Add it to an existing related product.Give reports or ebook PDFs as a bonus to affiliate offers.Hire a ghostwriter to rewrite articles and offer as guest posts.Use it on your sites, create many posts or giant authority posts.Use Tip & Quote posters as viral content on Facebook, Twitter, and Pinterest.Use any template in the PLR pack to create your new eCovers, posters and opt-in graphics.Brand all editable elements as yours to increase brand visibility and firmly establish yourself as an authority on the topic.

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price

Bonus Resources!

Tools & Resources to Get Your PLR Into Action Quickly


PRESELL CONTENT!  Clickbank Product Review #1

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Total Wellness Cleanse


PRESELL CONTENT!  Clickbank Product Review #2

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The Raw Transformation Success Kit 



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Memory Problems Infographic



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Are You Still Following 2007 Strategies?

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price

Your PLR License

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price

What Menopause Anti-Aging Blueprint PLR Special Review Bonuses Can I choose From?

Grab the Menopause Anti-Aging Blueprint PLR Special today at the lowest possible price

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Who’s Holding YOUR Wallet?

People rarely carry cash anymore.

Now, more than ever, you probably don’t even want to carry anything except your phone.

And why should you, when you can use an online wallet?!

But …What IS a “Wallet?”

Sometimes the terminology gets cloudy and people aren’t certain which type of online wallet they are using: an eWallet or a digital wallet.

An eWallet:

Preloads money in the wallet to conduct cardless transactions.
Moves money from the user’s account into either a merchant’s account or an escrow account.
Coinbase, Payoneer, PayTM, Ayden

On the other hand, a digital wallet:

Saves credit card details in the wallet to conduct cardless transactions.
Does not move the money out of the user’s account
ApplePay, GooglePay,

PayPal provides both eWallet and digital wallet services.

Companies that provide these services must have a specific permit called a Money Transmitter License (MTL) which legally allows them to hold and distribute people’s money.

A Money Transmitter is a business entity that handles the transfer of money as well as payment services. The entity must register for a license that falls under the specific state definitions of a money transmitter. (Wiki) And, each state has a different definition, all of which are overseen by the Financial Crimes Enforcement Network (FinCEN).

A business that is conducting transactions in this way is considered by the government to be an MSB (Money Service Business). Trying to understand the laws surrounding MTLs and MSBs is pretty complicated. For the full details on the Code of Federal Regulations regarding Money Transmitter License Law, Click HERE.

In simplified terms, if a business is doing any of the following, they will likely be considered an MSB and need an MTL if:

The business is neither the originator of the transaction nor the beneficiary of the transaction.
The business is the financial link between two parties who are conducting the actual transaction.
The business is applying a fee for handling the transaction, regardless of how small.
As part of processing the transaction, the business actually touches the funds, meaning the money goes through the business bank account, even if it’s only for a little while.)

Obtaining money transmitter licenses is no easy feat. It involves a large amount of paperwork, money and time. It can take up to two years to amass all 50 state licenses. (Faisalkan)

Let’s look at the Money Transmitter License and the Wallet in simple terms:

In real estate, when a buyer wants to purchase a home, it is customary to offer up an amount of earnest money. The earnest money is held in escrow by a third party, usually an attorney, in a specific and separate account until the transaction closes. The attorney holding the account may, with the buyer’s written permission, collect interest on the money in that account while it’s being held. At closing, the earnest money is applied towards the purchase price of the home. If the buyer defaults, the seller may demand the earnest money be paid to them as damages since they kept their house off the market for a period of time.

This is similar to how a real online Wallet works. The money for a transaction is held in a designated account, solely for the purposes of completing a specific transaction. There are very strict laws in real estate about commingling funds: money that belongs to the buyer cannot be used by the attorney to pay out other transactions. The escrowed funds must remain untouched, and available for distribution to one of the two parties in the transaction at all times.

The escrowed money cannot simply be dumped into a general operating account.

So, then can a business call themselves a Wallet if they don’t hold a Money Transmitter License?

Sure, but that might not mean they are truly operating as a money transmitter and an actual Wallet. And, all that safety everyone is talking about online might be a false sense of security.

If a business is using PayPal to bring money in and then distribute out to affiliates, then PayPal is still the Wallet.

Even if a company says they have their own exclusive wallet, PayPal is the one processing the transaction on the front end. PayPal is still the one holding the Wallet for a business who is collecting funds and dumping them into a general operating account.

This is YOUR money going into someone else’s account, mixed in with everyone else’s money.

Going back to the real estate example: if all escrow funds are commingled with general operating funds, it becomes difficult to tell the difference between which money belongs to whom. If the law firm goes bankrupt or their accounts are frozen due to something like a lawsuit, the escrowed money is safe, because it was being held in an account exclusively used for escrow purposes.

If the great fear out in the world of internet marketing is doing business with PayPal, then it seems contradictory to feel safe continuing to allow PayPal to handle the bulk of transactions for an entire platform.

From this perspective, it doesn’t seem like a safer option, just a different one. This is simply marketing.

So, as you make your choice to leave your own credit cards at home and venture out with only your phone, be sure you know the answer to this question…

Who’s holding YOUR wallet? And are they a real e/digital Wallet or simply posing as one?


The post Who’s Holding YOUR Wallet? appeared first on JVZoo Blog.

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5 Best Ways To Track Your Small Biz Finances Online

5 Best Ways To Track Your Small Biz Finances Online

Keeping track of your budget, whether a personal or business, is a bore, but also a necessity. If you don’t know how much you’re spending then you can find yourself in a heap of trouble very soon.

Here are five of the best ways to track your small biz finances online in real-time.

1. Excel

For the top of our list, we need to take a look at something simple and familiar. We are, or course, talking about good old Microsoft Excel. By making a budget template on your own, you get a simple and frugal way of updating your current financial standings.

The best part of Excel? It’s free. The second best part? You already know how to use it.

But of course the greatest downside of using Excel is that nothing is automated. So you have to manually input all expenses, being diligent to update the spreadsheet frequently as expenses arise.

2. BudgetTracker

Another great software for tracking your budget manually is BudgetTracker. Like Excel, this software requires you to manually input your income and expenses, but it does make your life easier by helping you get a detailed tracking of spending and budgeting.

Unfortunately, at the moment, there is no way of linking data from your bank account in order to automate at least one part of the process.

Seeing how it constantly requires your intervention, this particular software requires you to invest more interest into your company’s finances.

3. TheExpenseTracker

This particular software has the thing that previous two entries on this list desperately lacked – full automation of your budget tracking process. What this incredible tool does is it connects with your credit cards, phone and email. This way, any purchase that comes through some of these channels gets automatically updated.

You get a tool for real-time tracking of all your company’s expenses, which, frankly, gives you a much better picture of what you’re up against. Unfortunately, the cost of this app is $19.95 per month, which is a bit more than some of its counterparts are charging. Still, people who went on and tested the tool claim that it is worth the money.

4. Freshbooks

Small biz owners need all the help they can get, and Freshbooks looks to provide you with a simple way to create and track invoices. If you need to invoice clients, Freshbooks lets you create professional looking invoices and bill clients with recurring invoices.

You can also create customizable reports such as profit and loss statements, which are helpful to provide to your tax preparer, or if you decide to efile for free.

This app starts at $15 per month for small businesses.

5. Quickbooks

Quickbooks by Intuit is the priciest on the list, but it’s also the best. With QuickBooks you can keep everything organized in one centralized place. You can connect your bank account to automatically import expenses and categorize them.  You can also take pictures of your receipts with QuickBooks Mobile.

It’s much more than just an expense tracker though, as it has invoicing features with custom reminders and tracking. Plus, you can always see custom reports to see where your business stands at any given time.


As you can see, this list offers something for everyone. Those who put frugality above everything else (which is understandable, seeing how it’s your company’s finances we are talking about) can do all of this in Excel. On the other hand, some people are of the attitude that time is money. For them, saving time on making these entries and avoiding the risk of missing something, are more than worth a moderate fee.

Overall, it would be absurd to claim one tool to be clearly superior to others. Remember, there is no such thing as a perfect method; only a perfect method for your company.

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