Ask Kevin Campbell

ARE YOU STUCK?

2012-02-17T21:05:00.000-08:00

I was stuck the last three years.    Yes, I can hardly believe it myself.   For the last three years I have been stuck in "stinkin thinken" mode.   Instead of seeing the cup half full, I was seeing the cup half empty.    I took short positions in the stock market.    I subscribed to a dozen financial publications that told me the market was going to crash in the next few months.   Year after year, these publications promised the economic crash was just around the corner.   So I bought into the pitch and shut everything down. I stopped trading in the market and sat on inverse ETF's.    I waited three years.   Nothing happened.

I literally wasted three productive years of my life sitting and waiting for the crash that never came.   You see it's easy to fall into this trap and get stuck.   You see, the truth is, you attract more of what you think most about.    By allowing the nay sayers in these newsletters to use fear of loss to consume me, I actually shut my prosperity down. I became stuck.

Never in a million years would I have seen this happening to me.   As a young man in Hawaii I made my first million before reaching the age of thirty. I was running with some of the most famous people in America.    Mark Victor Hanson, Tony Robbins, Dave Del Dotto.   I enjoyed dinner with Dr. Norman Vincent Peale and a personal relationship with Joeseph Cossman, one of the founding fathers of the mail order business who was my personal mentor.   I lived in a beautiful home on top of Mariners Ridge in one of the most exclusive areas in Hawaii.  I owned an international marketing company with it's own television infomerical seen nationwide.   Life was good and I was on top of the world.

Then we moved to Arizona to raise a family and it was there that I allowed stinkin thinkin to infiltrate my happy little world.   I missed all the successful people I ran with back on the islands.   I let myself
associate with a new group of people who did not offer the same level of success thinking.    Slowly over a period of years, this association began to take it's toll.    My success mindset was slowly fading away and being replaced with worry, fear, and settling for less.

The point I'm making is, this can happen to anyone no matter how successful you think you are.    We truly do become what we think about most, and are influenced by those we choose to associate with.   Over time, no matter how successful we are, eventually we will become stuck if we lose focus and drift into stinkin thinken.

So how did I break free from being stuck?   I went back to the future.   I broke free from all negative associations, publications and media sources.    I turned off the electronic income reducer.   And most important, I began feeding my brain with success programming again and vehicles that allowed me to create multiple streams of income, even in a recession.

If you are stuck, here is a video I found extremely helpful in getting un-stuck and breaking free from my stinkin thinken.    I hope you find it helpful as well.     After watching this video, please feel free to contact me at (928) 451-8330 and I'll share with you another secret that will transform your life into a million dollar lifestyle in less than 18 months.   But first, enjoy this excellent video by Tony Robbins.

TWO BEST OPPORTUNITIES FOR 2012

2012-01-07T10:28:00.000-08:00

Those of you taking my newsletter for the past years know we are heading into uncertain economic times in 2012. Stability issues in Europe threaten to bring down the financial markets and political instability and food distribution issues threaten the entire global economic system. This volatility has caused a severe lack of trust in the stock markets and traditional investment firms.

Fortunately, there are alternative passive income opportunities available that offer some diversity outside of the mainstream options. I have listed below two of the better performing alternative income opportunities with the help of my business associates in Japan and Florida.

Please take time to review each opportunity carefully.

Program I - ZeekRewards

Zeekler Penny Auctions continue to break records and have more traffic than Coca Cola, Amway, and most networking companies on the net and is giving the Penny Auction competition a run for their money. Zeekler plans to be running some mainstream media advertising to create a higher profile and a branding image. This will be rolling out this year.

ZeekRewards is a branch of Zeekler which pays us to drive traffic to their auction sites and bring in new customers. Yes, it is CUSTOMER focused. They make their money on the Penny Auctions and they need more and more customers to dominate the market. They started with 2 Auctions a week on Monday and Tuesday. Now, they are running 24/7. This is just the beginning and they are looking at worldwide expansion.

This IS the time to get involved if you are not rolling yet. Although Zeekler does not require any sponsoring, if you do it can accelerate your income. I suggest you log in and activate at the soonest. You can start at Silver, however, I have recently learned that starting at Diamond is actually more profitable over the long run even if you are not sponsoring others. But, this does require that you buy sufficient bids to make it worth it. Get details here: http://www.DrKevinCampbell.com/ Click on the My Business tab.

Program 2 - Banners Broker

BannersBroker just launched BB Version 2!

If you want to see the CEO and hear him being interviewed you can peek in here to get a quick peek and listen in on the future projections of this company that has already paid out over 18Mill in publisher commissions (yes, six zeros Meet the CEO on his tour in Cork, Ireland.

http://www.youtube.com/watch?v=F7fcRZP_20o

Managed Option Team Leader Update (after launch of BB2)

BBv2 is truly going to be completely amazing.

Even though BannersBroker-Version-1 during 2010-2011 has already been an Earthquake like Innovation in both the Advertising and the Home Based Business,... yet now, bb2 is yet another huge Advancement that no one (not even the Top Market Experts) could fully estimate the Avalanche (or Tsunami) like of IMPACT that it will have in the Market Place and will have on a Global Scale.

Microsoft was innovative. Google was innovative. Facebook was innovative, and now... BannersBroker is breaking a new eSound-Barrier... by allowing families from around the globe to "Participate and Benefit", both in Drive and Profit, into the Next Huge Wave of eCommerce.

But, we need to remember that it took us almost 6 months to fully discover and establish the Highest Efficiency in ROI with Version 1. So, we need to be Wise and Calm, to allow ourselves to now also DISCOVER the inns and outs of the New System. And even Chris, as Core Developer of both bb1 and bb2 (and the team of Top Programmers), admits that, whereas he totally knows how bb2 is developed and is programmed, that on the other hands, he also has no idea to what full extend that we will be able to APPLY and USE bb2.

At this stage, BB is still Adding Several Facilities and Importing several essential pieces of Data. And naturally, that means also the correction of little bugs and little fixes, to allow it to run 100% correctly and smoothly. I estimate that by Jan 15 (over the next 10 days) that will see that all fall into place.

And that is a perfect time window, for us, as Managers, to almost purely OBSERVE this Amazing New Economic Machine, and come to feel familiar with it. This fairly calm and seemingly passive Observing, is an essential phase, to allow us to Discover FRAME WORK and get more of a 3 Dimensional Insight, of all the different Facets.

Between Jan 15 till end of Feb, our Focus, within the Management will be to TEST many different Applied Strategies and Real Live Approaches (on a small scale) and closely monitor their Impact - both in Error and Effectiveness. That phase will allow us the context and latitude to come to steady and stable conclusions on certain Solid Principles of Application.

So, rather than trying to Quickly Pretend that we "know it all", or even put a pressure on, that we have to "understand it all" as of the first few weeks, I strongly believe that we must ALLOW SOME CALCULATED TIME to "let the Machine Show Itself" to us, and let the bb2 System "SPEAK TO US" and "REVEAL" it's REAL and FULL POTENTIAL. Rushing that phase would only allow us to come to mediocre strategy. Fully allowing ample time to CONSUME this "Bounding" between US and "The BB Machine" will allow us to develop the VERY BEST and Most Efficient Strategy.

For, in 2012, we hope the Shape the BB Management into a Fully Developed and Professional Team and Business, that will be able to also Communicate Regularly with its VIP Full Service Clients, and especially, I want to make sure that we can give Regular Updates on the Status and Progress of Your Account. We will establish many Tools that will allow Simplified "At-a-Glance" Overview of your Essential Data and Stats. Contact me if you have interest in a managed account and I will put you in touch with a contact person after you have enrolled as a member.

Learn more about the BB opportunity here: http://www.bannersbroker.com/open

Disclaimer: I do not give legal or tax advice. The preceding information is offered only as a point of view. You are encouraged to evaluate this information and act according to your own research and conclusions. Because I encourage independent thought and personal responsibility, I do not accept credit nor liability for the use or misuse of this information.

WHY MOST PEOPLE FAIL IN NETWORK MARKETING

2011-12-21T11:05:00.001-08:00

As I near the completion of my 36th year in the home business networking industry, I wanted to share a few thoughts on where I see the industry moving. There is no doubt that things are much different today than in the good old days of the 1970's. Back then, I was one of the first to combine direct mail with network marketing and it worked like a charm. It worked because it was easy to duplicate and was rejection proof. A prospect would receive my letter and either toss it in the trash, or clip off the application and mail it back with a check for the business I was promoting. Recruiting was simple and easy. Back in those days the marketplace was wide open and the mailing list we used would consistently pull between 4-8% response.

Today, that percentage has dropped to around a quarter of a percent and the cost of mailing has increased three fold. Not a good scenario for newbie's just getting started. Add to that a very crowded opportunity market and you have a prescription for disaster. It has become clear to me that today's entrepreneurs are simply reacting too fast to their emotions and not willing to take the time to learn how to be good networkers. Most begin promoting programs without fully understanding what the marketplace is looking for. I too struggled identifying today's marketplace. I was stuck in 1990's thinking. Hard to teach this old dog new tricks so to speak.

I would like to share my thoughts on where I feel the marketplace is today, and what is working. First, let me say there are hundreds of really great companies offering great products. Many of these products create an emotional attachment with the users and those companies are thriving. In other words, the products are so good people will buy them monthly with or without a compensation program. Many of these companies have been around a very long time. However, because super stores like Costco and Sam's Club have now begun to offer similar products like Noni and Acai juices, and specialty supplements, these great product companies are losing their market share.

Therefore, in today's marketplace, it is extremely difficult for network marketing companies in the health and wellness sector to attract and keep distributors unless they have a proprietary exclusive product with real health impact for the consumer. Another problem these companies have is the inability to keep prices competitive. Most use private label outside manufacturing which takes price control out of their hands. Add to that the cost of the pay plan which typically pays out 40% of every real dollar taken in, and it's a very tight balancing act. This high cost and the inability to pay out more than 50% back to the distributors is one of the reasons there is such a high turnover in the industry.

I had this discussion a few days ago with a friend who has been in the industry many years. There are so many companies out there keeping the loaf of bread and paying back crumbs, most distributors need to build an organization of 60 or more downline in their first two months or they will be gone. The reality of the industry is that most people are being paid an average of 5% on the volume of their organizations. In other words, a group volume of $100,000 would be required in order for that distributor to earn $5,000 in monthly residual income.

98% of the people who join a traditional network marketing company will quit within 90 days of sign up. They will quit because they have not been taught how to build the business in today's marketplace, and they do not have a system with the tools that work today. But the biggest reason they are failing in such high numbers is that companies are unable to pay them significant income soon enough to keep them. In today's economy, the worst since the great depression, if a person cannot realize a few thousand dollars of income within the first 90 days, they will be out the back door fast.

Recently, this year, there have been a few cutting edge companies and programs that have successfully addressed this issue. One organization Empower Network recently created a web based opportunity with a 100% profit for its members. This clever program offered a sophisticated blogging marketing training that allowed the creators to offer a clever aussie hybrid that paid its members directly. All the money was paid directly to the members, and the owners were participants equal to the other members. The only advantage they had was being on top of all the action. This was their advantage and frankly they deserve it. If they can continue to keep their opportunity fresh and continue to improve on services, I think it will be a solid opportunity for many years to come.

Another program I researched is actually a new division of a 13 year old company that is focused 100% on allowing people to build a passive income in today's marketplace. They offer a suite of marketing tools and virtual office services that have the ability to turn an average marketer into a super star in short order. And because they are also web based, they have no product overhead. This allows them to pay very high commissions on just a few levels. It's this combination of needed services and extremely high payout that locks in distributors and eliminates the typical 67% industry turnover every 90 days. Here is a recorded overview of their very lucrative automated system...(800) 808-6157.

Finally, another trend I have been watching in the marketplace is the proliferation of the Big Ticket 1-up and 2-up programs. Many people who have tried traditional network marketing have gravitated to these big ticket programs and the extremely high income potential. Most of these programs require an average start up of between $1500 to $3500 and up to $10,000. Travel packages and wealth training seminars are the main products used by these big ticket programs. I personally think these programs are great for the right people who have the resources to promote them effectively. To sell a $3500 or $6500 product, you must be willing to spend money finding qualified high end prospects. This takes most networkers out of their league. The old saying it takes money to make money would apply to these big ticket programs. They are great for the right people, but longevity and the lack of qualified prospects is the concern.

So where does that leave most people going into 2012? The answer appears to be finding a product or service that people MUST HAVE, and a compensation system that pays BIG DOLLARS fast. Web based services that provide a turn-key marketing system or "funnel" with access to leads will be the trend. Programs that pay out at least 70% or more on fewer levels will also be a strong trend moving forward.

Kevin Campbell
(928) 451-8330
Skype: Kevindirect

www.DrKevinCampbell.com

Simple System to Create Wealth
24-7 Recording- (800) 808-6157

GOLD AND SILVER NEAR FREE FALL

2011-09-28T13:27:00.001-07:00

Something has changed in the markets the last two weeks.   In the months before September, gold and silver were inverse of the stock market.   As the stock market fell, gold and silver rose.   Suddenly, this month this inverse relationship ceased.    Now, when the stock market falls, gold and silver are falling.

This is a tip off that deflation is winning the war with inflation as we move forward.   Here are the facts supporting deflation that cannot be disputed:

1. Growing unemployment (16.9% and rising)
2. No bank lending (money not being lent into existence)
3. Contraction of M3 money supply due to destruction of wealth
4. Real Estate deleveraging
5. Baby boomers saving not spending
6. Loan defaults soaring
7. Oil prices falling
8. US Dollar rising in value .78 and up.

All of these virtually guarantee deflation is where we are heading.   The evidence is now overwhelming and it will become more clear as the gold and silver bubbles begin to break and the world moves into
the US Dollar as a safe haven.

We should see wild swings in the markets for the next several months as news stories cause the super trading computers to overreact to every news release.   We will most likely see several small bear rallies over the next few months until Europe finally falls apart and the market begins a massive move downward.     By the summer of 2012, I would not be surprised to see the DOW fall to 5500 and gold fall to $500.

Those who protect themselves now with US dollars sitting on the sidelines will weather the storm and actually gain in value as the dollar soars in value.    I have been unable to find any reliable source that can verify the world no longer wants the US Dollar as the reserve currency.    My contacts in Europe and Asia all confirm the US Dollar is their currency of first choice.     So this rumor of a dollar debasement is simply rumor.    Most likely, those involved in the sale of gold and silver are the very same sources of this false rumor.

These metals dealers have spend millions peddling gold and silver on television and financial magazines.   Now think about this, if gold and silver were the safe haven, why would these companies be so desperate to sell the metals for US dollars?     Think about that question for a moment.

Does it mean they do not believe their own advertising?   Why are they so desperate for these worthless dollars in exchange for their metals?     I think if you follow the money, you will have your answer. They are making a killing and placing the risk in the hands of their buyers.    But those holding gold and silver ETF's are at higher risk.    They are holding paper gold that may not be backed by an equal amount of physical gold. They are holding derivatives.    As gold and silver crash, these folks will get wiped out!

In my opinion, the place to be is in cash, or US guaranteed treasuries.   The rate of return is not important. Capital preservation is most important.    Stock mutual funds, most stocks, gold and silver are dangerous to be holding in my opinion.   My parents are both in their 80's and I told them to get out of all stocks and get into cash, or cash equivalent safe instruments like Treasuries.    Now is not the time to be looking for return.

The Lion King Had It Right

2011-09-17T17:46:00.001-07:00

I was cleaning out some old video's from under the television and one of those video's I purchased for my kids years ago was The Lion King.

It made me think about a thought that was expressed in the movie. "The circle of life". When you really think about that phrase, they are saying everything on Earth is part of a cycle. The four seasons, the life cycle of birth to death, the rotation of the planets, and the sun in the galaxy, and of course, the economic cycles.

Everything in life is part of a repeating cycle. The Earth is not only revolving and rotating, it is also shifting at the poles. This is most likely the cause of climate change since the beginning of time The subtle pole shift has it's own cycle placing Earth in and out of ice ages. In economic terms, we call them boom and bust cycles. This must be where the phrase "History repeats itself" comes from.

The point I wanted to make in this short email today was even though we are now well into the bust cycle of our world economy, it is nothing to be fearful of. Yes, it will be difficult for many just as it was in 1930 during the last great depression. The good news is, after this bust period will come another boom cycle that could last 60 years. The important thing is how you prepare. If you make the right decisions before the economy crashes, you will be in the best condition to prosper and help others during the boom that must always follow. Those of you saving cash and getting out of debt will be the ones who thrive during the next 60 year boom cycle.

I see a much simpler life ahead where we return to living life within our local community and not part of a global community. Food, energy, education, and economic sustainability is provided within that local community. In this "going-back-to-the-future" event, we no longer as a nation seek to maintain global empire and bring war to our neighbors for the theft of their resources, but we return to a nation that respects the rights of all nations to their own complete self-determination.

EXPECT MARKET CRASH ANYTIME IN THE NEXT 90 DAYS

2011-08-08T20:08:00.000-07:00

Where will the stock market be in the next 90 days?

That is a question I'm sure many investors are asking right now.   Today, August 8th, 2011 the DOW dropped 634 points.   It appears the selloff has just begun and it reminds me so much of the weeks before October 2008.   I was reviewing the DOW charts from the previous three large market crashes and it's almost eerie how similar the charts look.

This time, things look a little different and it's puzzling to me.   I think it is crystal clear that Deflation has taken hold of the economy and not Inflation. I have been saying this for almost a year now without much success against the inflation propaganda machine. Finally, the evidence of deflation is now crystal clear.   Outside of gold and silver, the other commodity markets are falling lead by crude oil. Expect oil to continue lower and bringing with it durable goods, food prices, and eventually the metals.    The dollar is gaining strength, and the banks are still not lending money into creation. This further contracts the money supply.   All of these forces are pushing the US dollar higher lowering commodity values.    This will continue as the dollar rises and the world continues to invest in Treasuries and to buy US debt, despite the AA+ rating.

In the worlds eyes, there are only two safe places for their money.    US Treasury instruments and gold. Gold has fooled me.   It is no longer being treated as a commodity. It is now absolutely considered money.   I have to disagree with one of my sources and say that it appears gold could continue it's slow rise to $2000 and could even reach $2500 before the bubble breaks.

We'll never know as long as HSBC and Comex are leveraging paper commodities without position limits. Geoffry Christian admitted that such commodities are traded in the "multiples of a hundred" over the underlying principal asset. They can clearly manipulate the price where they want it, but it reveals the underlying corruption: there may be a $100 in the commodity market for every $1 of actual commodity. It's not sustainable, and the only way to unwind it will mean BIG losses.

So I expect gold to hang on and reach extreme bubble levels due to this paper game being played. Silver should be the first to fall as deflation moves the dollar above the .85 range.   At this point, I see silver making a huge correction.   Gold could take several more months before it hits the breaking point. That could be well into 2012.    I'll be keeping a keen eye on the US dollar gaining strength and it's relation to oil prices.    The faster they separate from each other, the sooner the metals could fall.   Trying to calculate when the gold bubble will peak is very difficult to predict at this time.

Here's what I see coming in the next 90 days from August 9th to November 10th, 2011.

The DOW will continue to sell off in small chunks over the next few weeks, then we could see a short term bear rally followed by a much steeper crash in October.    By Thanksgiving, the DOW could very well fall below 6000. This should also result in a before Christmas cliff dive for silver.   I see silver making the biggest drop below $9.00 before Santa gets down the chimney.

Today we saw huge gains in our inverse ETF positions.

Energy inverse-Up 24%
Oil inverse-Up 16.6%
Real Estate inverse-Up 26.3%
Financials inverse-Up 27.8%
Swiss Franc ETF-Up 1.51%
Bond ETF-Up 4.40%

For those of you hedging with ETF's congratulations, you protected your equity holdings.   For those of you who are speculators, enjoy your tremendous gains.   There could be more of the same coming over the next 12 weeks.   Remember, be aware of where you feel the bottom is.   I am guessing 6000 on the DOW. So be prepared to move out of the inverse ETF's when you feel it's near the bottom, or when you feel it has earned you the amount of return you expected before getting out of it.    It's important to understand that ETF's are tools used by professional traders to get in and out of the market quickly and make quick profits.   They are not designed to buy and hold long term.

September, October and November of 2011 could make history as the most violent plunge in stock market history. Or, it could fool everyone and make a huge bear rally in between two major crashes with the second one being the Big Kahuna around Thanksgiving. The dominoes are all lined up and ready for that first event that will make the first domino fall.    I hope that all of you are ready for what is coming.

On a final note. I have never seen so much manipulation and corruption of the markets as I have seen this year. These market makers and hedge fund managers should be investigated. I believe when reality hits and the smoke and mirror boys are done manipulating the casino, you will see their house of cards come falling down.


"Educate and inform the whole mass of the people...
They are the only sure reliance for the preservation of our liberty."
—Thomas Jefferson

Disclaimer: I am not an economist; I am not an investment expert; I am not an attorney; I am not a physician. For several years, however, I have tried to learn from others. I am an avid reader. My work has allowed me to travel extensively. I have had the privilege of sitting at the feet of--and learning from--many of America's most learned, most trained, and most qualified "experts" in a variety of fields. What I write today, I have learned from others. I've formed my own opinions and priorities, of course, but everything I'm sharing has been written before.

Understanding the math of MLM

2011-07-01T09:51:00.000-07:00

You may have noticed a surge in the number of MLM opportunities lately?    It seems that whenever there is a downturn in the economy, the number of MLM programs seem to grow like algae on a pond. Why is that?

My guess is the operators can sense there are tens of thousands of desperate people seeking additional income to replace income they may have lost from layoffs or downsizing. They know people are more easily lured by the hype of a good sounding income opportunity. So they create companies with great sounding pay plans that will pay you hundreds of thousands of dollars per month as soon as your handful of recruits duplicates and develops a downline of tens of thousands of people.

After 35 years in this industry I can tell you without any hesitation that all is not as it seems.   If people would only step back and do the math they would soon realize that most MLM compensation plans have stacked the deck in favor of the company.   Let's do some math...

EXAMPLE: Company A has a 3 x10 forced matrix pay plan

The US Population is 309 million.   20% are open to seek income through MLM companies.
That's a little under 62 million people available in the total pool.
Assuming one person in company A is able to fill the 3 x 10 matrix. This would give them 59,049 people on the 10th level.   These 59,049 people would never have an opportunity to complete their
10 level matrix as they would run out of people on their 7th level.

Now, that is assuming this company is the only MLM company in the United States.   The reality is
there are over 2000 MLM companies in the United States.   And to be very conservative, let's say
that on average, each company only has 10,000 distributors.     That's a total of 20 million people with nobody left to recruit.

But everyone knows that filling a perfect 10 level matrix is never really achieved.    The above illustrations are factual in terms of the math, but are unrealistic in terms of what really happens in the real world.   The biggest problem most people never realize is, the more levels a plan has, the less chance the individual distributor has of making a livable income.

In my 35 years in this industry, I can tell you without any hesitation that if your network marketing company has a compensation plan that pays any deeper than four levels, your odds of making a livable income diminish by a negative 20% each level below the fourth.     A ten level pay plan would offer little chance in today's market for most people.    A ten level program most likely would have a small handful of leaders making above average income, and the majority barely covering their monthly product expense.

Why is that?   You see, every level added to a compensation plan must reduce the percentage of income you can earn.   So instead of earning $25 on a $100 purchase made by a member of your organization, you get paid $4 on that $100 purchase.     The depth of the pay plan allows the company to stretch out the commissions in a way that ultimately creates breakage.    This breakage is retained by the company and is vital to their survival.      This is most common with companies that carry heavy liquid products.    They must stretch out the commissions so that profits can be buffered by forcing distributors to build through multiple levels to recoup any reasonable profit.

It is completely dishonest to suggest each member of company A will sponsor three new people.   And even if they did, it's is even more dishonest to assume their three will easily sponsor three each.    The company management knows this.    They understand the math and know that very few people have the resources and connections to make the pay plan profitable for them.    When I say profitable, I'm talking about creating a walk away livable income.

Deep compensation plans also have another built in problem.    Because the depth reduces the percentage of profit earned on each level, attrition is elevated.    These types of pay plans experience the highest amount of turnover in the industry.    You see, unless people have a deep emotional attachment to the product, if they are not making money, they will soon drop out.    The deeper the compensation plan, the higher the attrition rate will be.

So before you decide to get started in your own MLM business, make sure you do the math and understand the size of the ocean you will be fishing in.    If you are planning to join an MLM program that has a pay plan deeper than 4 levels, make sure you have plenty of fish in your personal pool of contacts, and if you do not, make sure you have plenty of bait (cash) to advertise and find new fish.

If you have neither the contacts or the cash, then I would suggest not getting involved in the industry, or at least find a company with a pay plan that will pay you the highest commissions on the fewest people.

Learn how you can generate leads, signups and cash flow for your network marketing business with a Free 7-day mini-course offered by my friend Todd King at: http://www.homeemployers.com/