Yoli is a company that is going to be hitting the market in the fall of 2009. The product that they are going to start with are two different types of water drinks: one is a health drink and the other a sport drink. Now there are many different types of network marketing companies out there that sell these types of drinks. How Yoli will stand out from among the crowd is that they have a patented Blast Cap that will be the trademark of their product.
The main premise of the company, and they are probably correct, is that all the other drinks we consume, whether it be Coke, Pepsi, Gatorade or any of the rest, have some sort of preservative in them to make the still taste good when you do finally crack them open and take a drink. So how the Blast Cap will work is that when you are ready to have your beverage, you simply push down on the top of the cap and your water will instantly turn into the beverage of your choice. The benefit to this is that there are no preservatives that are added, which are believed to be detrimental to our health.
Here’s my experience, coming from some time now in the network marketing industry, with all new companies that come about. They all try to sell you on the fact that you need to jump on now before the market is saturated…well there might be some truth to that but actually pretty little. The other thing many leaders try to tell you is that you just sign up and they’ll do the rest…don’t believe this for a minute, unless you are simply joining for the discount on the product. It takes much more than that to be truely successful in network marketing. You have to understand how it is that you are going to be able to market not the company but you as a leader that others want to follow. That is the key to your success in Yoli.
We live in the information age, which is truly amazing for network marketers. Everyday there are people that get on the internet to do research about every company/product/service known to man. Can you imagine the possibilities of placing yourself in front of all those prospects as the top leader in Yoli and literally soaking up all the free traffic that surrounds the company. It wouldn’t take long to one of the top producers in the company.
Today I bring a new post with the best 1-year CD rates that I can find.
The FDIC has shuttered 38 banks so far in 2010. They are on pace to close more this year over last 2009. Hundreds of banks are in the under-capitalized category and most of those will not be able to make a come back. Still looming residential losses plus impending commercial losses will just break the camels back.
When thinking about 1-year CD rates you want your bank to hang around for a while. So check for the health of the bank or credit union.
Nevertheless here are some top CD rates I found.
It looks ilke NCUA insured credit unions are in the lead.
Alliant Credit Union has a 2.10% APY for a 1-year Certificate of Deposit. The rate is good from 1-year to 23-months. Interest is paid at maturity only. 5-star Rating.
Melrose Credit Union out of New York has a 2.07% APY.
Amazingly, I found a bank with a 2.00%. Most banks are in the 1.50% range because of the FDIC National rate cap. Check out First City Bank. 2.00% APY. They can be reached at 888-244-5151. Of course there are a couple of caveats. It is a 15-month CD which is what gets them around the FDIC cap. They have a 0-Star rating. And to make it worse, they are located in Florida. But they are FDIC insured.
Franklin Synergy Bank has a 1.95%, also for 15-mos. They are out of Franklin, TN. They have a 2-star rating.
Use the FDIC or NCUA website to do your own health check. Take a look at the various ratios. Look for a capital ratio above 7%, a total risk based capital above 10% (only applicable to banks), and if the institution has a loss, make sure it is only about 25% of the capital when you adjust for yearly earnings. These are just suggestions. The web also offers some free rating tools. One is found at bankrate[dot]com.
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