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WARRANTIES4LESS
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#61 · Posted: 2 Sep 2008 08:06
Excellent overview,
Yes, if more people were like you there would be less failures, you have to do your own due diligence as there are just too many of the same old same old deals out there to choose from.
I agree, there a tons of nutritional products, and I am not one who will not agree, we need suppliments, but selling them is not one of the easier products to promote with so much competition, never mind so many variations of juices and vitamins to take, not an easy sale. I try many, but I cannot say one is better than the other. I liked the concept of liquid nutrition with everything in one, but the taste of most is disgusting, so this makes it even more difficult to sell. lol
As you have also defined, if you don't offer a product with true value in the market, you will find most will fail as most are not professional sales people. If you look at any home business, most will involve sales, for if not product is moved, not income will be earned. At least in any legitimate business, so I wanted to make that clear. There are tons of businesses selling the dream, no product, and some are making a ton of money, but hopefully readers of our thread will not fall for these deals of hype of income, and no real viable product or service.
The more people learn, the more they can earn, it is that simple. Your points are well taken on issues WFL has had to address, growing pains are typical when starting a new company, as well as in this case, expanding to an MLM structure like WFL did. In reality, this was brought to the table of Scott, and he said, not knowing a thing about industry, go for it. He assigned management team, and they didn't have it all together when launched in beta mode, so I expected some hiccups, so I guess I was less concerned knowing business as I do.
Bottom line, there is a growing market for extended warranties at a wholesale discount direct price point, so the savings are absolute over the competition, so value is there, the first thing I look for. The next is management, and given Scott's long list of multi-million dollar successful traditional businesses, I knew there was little to worry about, even with hiccups, so I was satisfied with who was at the top. The next aspect I look at is compensation plan, and this one has it all, retail income, mid range and long term residual income, so all the bases are covered, even without the new products soon to be released.
As you know, unless all these aspects are covered, an opportunity is not going to succeed long term. Your point below is especially important one, so I will answer how I am doing it.
USA quote
"How do you perceive handling this opportunity, is up to the person looking at it. Do you see it as a opportunity to grow it as a business or sell the product / service as if it where a job. Being an independent rep. Some may refer this route, not that it's wrong, they will surely bring in some nice income."
Like all businesses, you look at what will work best in your individual situation. This varies, so I don't say you have to do it like I am, but a little of each is best for most. I don't have time to direct sell warranties, so others may have time to door to door sell, or have an existing car related business where they have a client base already in place. Repair shops, tire shops, transmission shops, as example are great outlets to sell an extended warranty to. Needless to say, I target my efforts to getting in front of those who have customers they service, so one to one sales is not my strategy. I have a tow truck driver who is selling more than anyone on a one to one basis, so again, there are so many ways to promote this, it is up to each to decide, this is just an example of what I see happening for those who do direct sell warranties.
As I mentioned, I look for as many free distributors as possible, building a huge team, and then cultivating and educating them and then rely on overrides. As it has been said many times about leverage marketing, I would rather have 1% from each of thousands in my team, rather than 100% from my own efforts. I started my first company doing it all myself, and you quickly realize your potential is limited, so expanding and utilizing leverage is only smart way to be in your own business, and this is why I always liked the concept of MLM, but not most MLM's due to weak products. lol
Earning average 25% commission selling warranties is not bad for a sales person, that is $500.00 on $1795.00 or $1995.00 sale, so yes, you can make some good money up front, plus a residual on the back end, something many sales jobs don't offer, so being in your own business is the way to go in my experience, hands down. I started out with Fortune 5 company, and quicky learned the politics of corporate America, and I did't like it, you are limited to how much you can earn, and I knew I could earn more in my own business, and did from very first year I started, so I am not a fan of 9 to 5 jobs, especially in a recession where unemploment is rising and job security is sinking.
In closing, yes, it is a bumpy road to success, many ups and downs, but that is the fun of being in your own business, solving problems, and this is what WFL is doing, day by day it is improving, and so is my income, and with the new release of more products to offer, it will jump even higher, so this is what I look for in a business, good solid company, good management, great product with verifiable value, and then, a long term income where residuals don't drop, but increase every month. And best of all, I can handle sitting at my computer, no employees, not overhead, no hassles, just helping others succeed which is what it is all about in my case.
Good luck to all, Mike
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TJamMoneyMan
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#62 · Posted: 2 Sep 2008 18:09 · Edited by: TJamMoneyMan
USA1950: regarding the actual viewing of the warranty itself, they give you 30 days to decide if you want to keep it or not. So then it's a matter of getting your funds returned if you decide not to keep it. Not sure how they are rated as far as giving refunds.
I am so sick of this kind of thing.
Why can't they wait 30 days before they charge you?
And with this company, in the beginning stages, it may not matter so much, but companies that hold on to money, should be forced to give up some INTEREST!
I mean, when they are holding on to untold numbers of people's money, at 3 or 4 figures per person, well that's a nice little tidy sum to have collecting interest somewhere...
Why should I have to go through a refund process, wondering if I'll actually get my money back?
Just to see what it is I am signing?
That's ridiculous!!
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WARRANTIES4LESS
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#63 · Posted: 2 Sep 2008 21:21
Interesting,
Given most people use credit cards, or inhouse no cost financing, what would you be getting paid interest on? If you sent a money order, then maybe, but lets be real, who pays you interest on a purchase if refunded, that is not even close to being reasonable.
Name one thing you purchase which gives you a 30 day 100% refund period? Do any of your deals offer any refunds at all. How about GDI? I would like to know one company that offers a 30 day refund policy? There is only one thing that is riduculous, and that is complaining about a 30 day refund period.
Sure, you can get refund on an ebook through ClickBank, but I am talking about a warranty, so see if the competition offers the same refund period. Most offer three days, not thirty, besides, when you make your purchase, if your distributor does not show copy of contract if not in person, it can be send by pdf file, so you didn't read my previous post on this subject where I said I have copy for anyone to review. In fact, before you confirm payment online, you get short contract to review if you are so worried about refund being made. If anyone didn't get a refund, it would be smeared all over the internet, so I feel thirty days is exceptional offer, but I guess that is ridiculous too. lol
Good luck to all, Mike
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TJamMoneyMan
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#64 · Posted: 3 Sep 2008 10:22 · Edited by: TJamMoneyMan
WARRANTIES4LESS: Name one thing you purchase which gives you a 30 day 100% refund period? Do any of your deals offer any refunds at all. How about GDI? I would like to know one company that offers a 30 day refund policy? There is only one thing that is riduculous, and that is complaining about a 30 day refund period.
Are you kidding?
How about the entire inventory at WALMART, TARGET, BEST BUY, etc. etc. etc............!
GDI offers you a 7 day free trial, with a simple set of terms that could be read while eating a bowl of cereal.
30 day refunds are so common that most retailers, and MANY online business proposals, offer up to 90 day refund policies.
Some offer ONE YEAR refund terms!
I can't believe you don't know this!
WARRANTIES4LESS: I am talking about a warranty, so see if the competition offers the same refund period. Most offer three days, not thirty, besides, when you make your purchase, if your distributor does not show copy of contract if not in person, it can be send by pdf file, so you didn't read my previous post on this subject where I said I have copy for anyone to review. In fact, before you confirm payment online, you get short contract to review
Regardless of whether or not there is a refund policy, or what other companies may do. I DO think it's ridiculous to not be able to view the contract BEFORE you pay into it.
I'm sorry to have to use such strong wording but I don't know any other way to put it, if this is true. If this is not the case, please let us know that.
It's good that you personally offer a contract copy to review but this should not be necessary, and I need to look at the very same contract I will be signing. However much your copy may be the same, this should be done as a matter of course, by the company selling the policy.
And if you are going to compare sales terms, please mention the company and product you are comparing WFL with. And ALL of the terms, if you are going to do a fair comparison, should be compared with ALL of the terms of WFL.
Personally, I don't know of any other companies offering the same type of warranty, on ANY car, regardless of age, or condition(?).
I haven't been searching either.
But TERMS is what is important, along with price!
WLF seems like a great idea.
I'd just like to have some questions answered is all.
Is THAT so ridiculous?
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TJamMoneyMan
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#65 · Posted: 3 Sep 2008 10:40 · Edited by: TJamMoneyMan
WARRANTIES4LESS: lets be real, who pays you interest on a purchase if refunded, that is not even close to being reasonable.
I lost track as to how much money WFL costs, but I was thinking of the near $1500 price tag that was first mentioned.
Anyway, it may not be a common practice, but if you want to hold my money, I don't think it's unreasonable to pay interest.
Landlords used to get away with that until the law put a stop to it.
Through Christmas clubs, when they first came out, banks were pulling that fast one as well.
Like I said, maybe it doesn't apply in the case of WFL - I don't think they have a very large customer base at the moment, but when companies can hold on to lots of people's money, at 4 figures per person, THAT generates a lot of interest. After all, these companies aren't putting that money under their pillow!
Just show the contract to prospective buyers, or tell me why this is not feasible.
At least don't make giving up money a requirement to view a product!
WARRANTIES4LESS: Name one thing you purchase which gives you a 30 day 100% refund period? Do any of your deals offer any refunds at all. How about GDI? I would like to know one company that offers a 30 day refund policy? There is only one thing that is riduculous, and that is complaining about a 30 day refund period.
Are you kidding?
How about the entire inventory at WALMART, TARGET, BEST BUY, ACME, etc. etc. etc............!
GDI offers you a 7 day free trial, with a simple set of terms that could be read while eating a bowl of cereal.
And it costs no more than $10!
In any event, 30 day refunds are so common that most retailers, and MANY online business proposals, offer up to 90 day refund policies.
Some offer ONE YEAR refund terms!
I can't believe you don't know this!
WARRANTIES4LESS: I am talking about a warranty, so see if the competition offers the same refund period. Most offer three days, not thirty, besides, when you make your purchase, if your distributor does not show copy of contract if not in person, it can be send by pdf file, so you didn't read my previous post on this subject where I said I have copy for anyone to review. In fact, before you confirm payment online, you get short contract to review
Regardless of whether or not there is a refund policy, or what other companies may do. I DO think it's ridiculous to not be able to view the contract BEFORE you pay into it.
I'm sorry to have to use such strong wording but I don't know any other way to put it, if this is true. If this is not the case, please let us know that.
It's good that you personally offer a contract copy to review but this should not be necessary, and I need to look at the very same contract I will be signing. However much your copy may be the same, this should be done as a matter of course, by the company selling the policy.
And if you are going to compare sales terms, please mention the company and product you are comparing WFL with. And ALL of the terms, if you are going to do a fair comparison, should be compared with ALL of the terms of WFL.
Personally, I don't know of any other companies offering the same type of warranty - on ANY car, regardless of age, or condition(?).
I haven't been searching either.
But TERMS is what is important, along with price!
WLF seems like a great idea.
I'd just like to have some questions answered is all.
Is THAT so ridiculous?
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WARRANTIES4LESS
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#66 · Posted: 3 Sep 2008 10:49
Interesting,
With all due respect, I am not talking about retail stores, we are talking about internet based sales, as in home based businesses, MLM, direct sales, not brick and mortar stores which you can touch and feel. We all know refunds or exchanges are available in WalMart, but having been online since start, this is not the case with online businesses. And as you know, three days is legal requirement with phone or internet sales, and few companies online will offer longer refund periods. In my personal business, I too offer 30 days, why, because it makes sales easier to make.
Again, we are all independent business people, so if I choose to have copy of contract, I cannot say another distributor would also have one to show a customer. In fact, I have secured several sales because others could not even answer basic questions. To each there own, but the bottom line is there are no issues either way in my experience. Most don't ask, why, I don't know, I did, but then again, I use to sell extended warranties years ago when I owned an independent leasing company, so I know what to research before I made my decision.
In my experience, thirty days is tops in the industry, and probably in most industries when dealing with online companies. It is up to the buyer to compare, I know what the market is, and I am more than satisfied with current terms of agreement. If a person wants to see contract first, then they will ask to see one, from me, or whoever is serious enough in business to have one available. I take my businesses seriously, so I will have all the tools available to insure I don't waste any time by not having all the bases covered to make the sale, online or off. Again, to each their own, I don't tell others how to run their businesses, it is up to individual to decide what is important and what is not regarding sales tools.
Good luck to all, Mike
It always amazes me how many people will make a purchase without even asking the most important questions, but then again, this is the reason for the free distributor option, it allows everyone to easily become a well informed consumer, learn all they need to know about WFL, insurance company, competition,
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TJamMoneyMan
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#67 · Posted: 3 Sep 2008 11:17
WARRANTIES4LESS: In my experience, thirty days is tops in the industry, and probably in most industries when dealing with online companies. It is up to the buyer to compare, I know what the market is, and I am more than satisfied with current terms of agreement
Well there are plenty of examples of online businesses offering up to 90 day return policies, and longer. 30 days is definitely no 'tops in the industry' when dealing with online businesses. The longest refund policy I have seen has been one year.
And, it's the CUSTOMER who needs to be satisfied with the terms!
(and price)
If this is the case, WFL should be doing quite well and profiting greatly.
Is it?
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WARRANTIES4LESS
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#68 · Posted: 3 Sep 2008 12:40
TJamMoneyMan: Well there are plenty of examples of online businesses offering up to 90 day return policies, and longer. 30 days is definitely no 'tops in the industry' when dealing with online businesses. The longest refund policy I have seen has been one year. And, it's the CUSTOMER who needs to be satisfied with the terms! (and price) If this is the case, WFL should be doing quite well and profiting greatly.
When this division was first launched, it offered a five year refund, as long as you didn't make a claim. Given most people will make a claim, or towing, roadside assistance, etc. in five years, this was replaced by the $2,000. Cash Discount Card, so changes are based on field input, and most felt the five year refund was not of value to the majority, so like all businesses, you want to offer what people most respond to, so Cash Discount Card won out over the five year refund offer.
As to what companies offer 90 days refund, or one year, as you mentioned, I sure haven't found any, so can anyone here point out a few of these exceptional and unusual refund terms? Not ebooks or worthless products or services, but real products inline with WFL. Obviously, with a warranty, you cannot offer a 90 day or 12 month refund period unless a no claim was ever made, so I am curious who offers longer warranties on similar priced product.
As to how WFL is doing, it is a private company, and given owner has made millions in all his businesses, and he said he feels WFL will be bigger than his other companies, makes me believe he sees this as a billion dollar company as he often stated. Judging from what I know, WFL division is doing more than a few million a month, so is that good? I don't know what other companies in industry are doing, so I guess that will remain a private issue.
Good luck to all, Mike
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USA1950
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#69 · Posted: 3 Sep 2008 17:55 · Edited by: USA1950
See Repost
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WARRANTIES4LESS
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#70 · Posted: 3 Sep 2008 18:23
It was suppose to have been updated a couple weeks ago, but with management change, it has been delayed as they square away new management, so I talked to Bill and mentioned this has to be updated with new plan as soon as possible, so I will post when it is completed. I was told many changes to site were pending, so perhaps all will be done at once.
Good luck to all, Mike
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USA1950
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#71 · Posted: 3 Sep 2008 18:42
Post updated
Mike
Just need a clarification on this.
WARRANTIES4LESS: If you were involved from the start, you would know this was pre-pre-launch, so like all new companies, or in this case, a new division, there are incentives to get the ball rolling, so this is exactly what we had offered to us. The $500. rebate on our own purchase was just that, and incentive for first distributors, and many took advantage of it as I did.
Taken from WFL site
#1 RETAIL:
When an WFL Independent Referral Agent (IRA) personally sells a WFL Pro-Guard Warranty to a Non-IRA "WFL" Pays such IRA a $500 Sales Commission.
If the IRA sells a WFL Pro-Guard to itself (meaning personally purchases such) WFL will still pay the IRA $500. ( This is what you refer to as the incentive that was offered, since now removed)
With regards to the 1 Up part of the compensation plan. Does the $500.00 commission only go to the upline for the IRA purchase only or is it also for the first sale they make to a Non-IRA ?
I am hoping that this only relates to the IRA purchasing a warranty. Because I can see when the new IRA signs up he is now a potential customer for his upline/sponsor. But if the new IRA does not have a need to purchase a warranty, and goes out and sells one to a friend or neighbor, he/she should be getting that commission. , not the upline. I only bring this up because the new IRA may not have received any assistance or training by their sponsor. But instead studied the website and went to a webinar to get a better understanding of the program. Therefore the sponsor really has no reason to gain anything from the sale. Now if further down the road, if the IRA decides to purchase their own, then the sponsor or next up should be able to get that commission.
Just because a new IRA does not make a purchase for themselves does not mean they are not working the business.
Have a Great Day
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WARRANTIES4LESS
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#72 · Posted: 3 Sep 2008 23:42
Clarification,
There is only one sale that is a qualifier for everyone. This now goes up to direct sponsor regardless if they helped or trained person. It makes no difference if it is a personal purchase or a non distributor sale, which ever comes first, it rolls up to sponsor. It was changed to encourage more people to help others, sort of an incentive to get new people up to speed given this is a foreign product for most and there is a learning curve. Seems to have worked as planned, but I know some were disappointed to some degree when it was announced. Hope that helps clarifiy change.
Good luck to all, Mike
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USA1950
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#73 · Posted: 4 Sep 2008 11:11 · Edited by: USA1950
I can see where it would get people upset.
It may be something common in the MLM world, but for folks who are new to the MLM world, it just doesn't seem fair. Could you imagine the stir it would cause if new employees for car dealerships, insurance companies, folks on commission in retail stores and other sales related jobs, where to give up their first sale. Just as it's the employers responsibility to train new employees,in the 9-5 world,the same should follow suit in this business. The sponsor is responsible for training his down line. His reward for doing such is the bonuses he receives for the work his down line does. That should be enough of a reward. You may say, it's only one sale, but it's $500.00 of hard earned money.
This is one thing I have to say I truly don't believe in. It's wrong. There is no way that one should work hard for a sale, just to have to give it up for the sake of motivating a sponsor. Just as quick as they put this into the compensation plan, I think it should be removed.
As I had stated in one of my previous postings, that this industry is not one of your typical MLM run of the mill businesses. As we know by now it's the first to come about. But, at the same time, some of your typical MLM run of the mill business practices should be kept out of it. There has to be a mix of both worlds. Just so happen that this particular plan is a MLM one for the benefit of sponsors. Mr Hirsch should step in on this one and have it removed.
As part of my checking things, I have been in touch with several other members of this organization who have been around since the pre-launch and they where not happy when this was added to the plan. They voiced their opinion as such and it fell on deaf ears.
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WARRANTIES4LESS
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#74 · Posted: 4 Sep 2008 13:31
Agreed,
I was not impacted by change as I purchased my warranty immediately, so did many others, but in reality, I don't know too many companies which allow you to earn commission on your own purchase in MLM, so I suspect it is not as big an issue as it would be for someone not in MLM.
I can tell you this, most direct sales companies have a similar split training commission, so it is not entirely unheard of. In home sales like windows, siding or home improvement companies mostly use this type of commission only compensation. As example, most will require an experienced sales person to come on your sales call with you, and they will split commission with new sales person as a training incentive, so it is employed in regular commission sales. It is also used in insurance, but I agree, not car sales.
There are overrides you qualify for by making a purchase at retail, so the income potential of residual income and having a qualified sale is still there, in fact, with that one qualifying sale, many will earn hundreds or even thousands just by being in the binary and matrix and then matching bonuses are on top of that, so it is not as if they are giving up all commissions. Again, I agree, it was an issue for some, then again, I had rebated commission back to a few who got in and missed this incentive.
Everyone is in their own business in WFL, so just as I have copies of contracts with me, I too will offer rebate if I see a strong potential prospect. As difficult as it may appear that the $500. seems to be a big commission, and you would hate to give it up, if you look long term as I do, it means little in the overall compensation plan. There is far more to be earned in matching bonus money, so if someone needs that $500., and they have a good work ethic, I will condider rebating them. I have done it for a few with good results, so it is up to me how I run my business.
I have rebated many people over the years on front end simply because I look at the long term as being more important aspect of business. Personally, I would prefer it to be a modified 1-Up where the commission is split like iBussPro does it with their 2-Up system. If I was WFL, that is what I would do, and I have sent in suggestion, but given each distributor can do it personally, I doubt it will be changed. Spliting commission is done in many sales companies on training sales, insurance does it this way, mortgage companies, estate planning, I have seen many in my years in sales.
Good luck to all, Mike
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USA1950
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#75 · Posted: 4 Sep 2008 15:14
Thanks, the picture is getting clearer. Nothing like being a newbee in a new environment. It seems I have a lot to learn. New way of earning. I'll never know if I don't probe.
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WARRANTIES4LESS
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#76 · Posted: 5 Sep 2008 00:30
We all have a lot to learn, that is why I like to frequent forums like this, you always learn something new.
Good luck to all, Mike
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USA1950
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#77 · Posted: 6 Sep 2008 01:41
11 March 2008
WARRANTIES4LESS: As to surcharges, this is only $150. across the board now, so in my case, I had paid a $300. surcharge for BMW, but now getting a $150. refund, so that was nice surprise. Only highline foreign and 4X4 will have surcharge, so not a real issue once you get familiar with all details and retail brochure will list these fees.
Was curious about this Mike
Did a search for a Ford F350, V10 PU w4WR,
$300.00 surcharge.
Also checked out a Dodge 3500 Pickup 4WD Diesel
$300.00 surcharge.
Coming up on 6 months and still no change made to the website, the most important retail tool that affiliates have. I know you mentioned already that changes are suppose to coming shortly and I hope this is one of them. Unless this was something else they did a reverse on.
I'm still in my followup mode
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WARRANTIES4LESS
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#78 · Posted: 8 Sep 2008 22:55
Yes, price reduction was announced, but the changes to web site have been delayed as there are several changes coming soon. I have conference call with management tomorrow, so these issues should be updated soon. Will report back when I learn what is coming and when it will be added.
Nothing was reversed, only change since first day was incentive ended with commision on your own purchase. They added $2,000. gift card, and reduced surcharge, so overall, good news, and with more coming, not one negative change to date for those who are already involved. I also like the fact management is listening to us, so will keep thread updated for those interested.
Thanks, Mike
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WARRANTIES4LESS
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#79 · Posted: 12 Sep 2008 09:38
Update:
Well, we are finally seeing results from all the behind the scenes discussions that have been going on for past couple months. Yes, changes were pending final decisions, and the changes all look good as I see it.
More products and services are being added, lower price points, and one option which really sounds interesting will be updated on site shortly, so this explains why we have been waiting for more than a month for these details to be worked out, they are very powerful enhancements, so stay tuned.
Good luck to all, Mike
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USA1950
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#80 · Posted: 22 Sep 2008 20:27
To those who have been reading this and looking for answers regarding WFL and wanting to know what it's all about, you can stop checking. I have been asking plenty of questions and got decent answers from Mike. But he really couldn't provide accurate details as to what was going on because he really didn't know for sure. There where plenty of things going on in the background alright.
Just recently they announced having a new President for the company. One of their former Master Distributors. Well, he is no longer in that position and has left.
In one of the other forums there was mentioned a name of a certain individual who has a reputation for running shady programs. The new President for WFL is one of his followers from a previous business venture.
Needless to say, WFL started out with what seems to be good intentions, but let the wrong folks take charge.
I was told by the former President that I had no skin, because I myself didn't buy into the program right away. I was a fence sitter. Guess it does payoff to wait and see.
WARRANTIES4LESS: Excellent overview, Yes, if more people were like you there would be less failures, you have to do your own due diligence as there are just too many of the same old same old deals out there to choose from.
Good luck to all and just remember, it really sounds to good to be true, it probably isn't.
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