Category: Blog

  • Quora Security Breach

    Quora Security Breach

    Quora recently discovered that some user data was compromised as a result of unauthorized access to their systems by a malicious third party. They are very sorry for any concern or inconvenience this may cause. They are working rapidly to investigate the situation further and take the appropriate steps to prevent such incidents in the future. Check out below:

    What Happened

    On Friday we discovered that some user data was compromised by a third party who gained unauthorized access to our systems. We’re still investigating the precise causes and in addition to the work being conducted by our internal security teams, we have retained a leading digital forensics and security firm to assist us. We have also notified law enforcement officials.

    While the investigation is still ongoing, we have already taken steps to contain the incident, and our efforts to protect our users and prevent this type of incident from happening in the future are our top priority as a company.

    What information was involved

    The following information of yours may have been compromised:

    • Account and user information, e.g. name, email, IP, user ID, encrypted password, user account settings, personalization data
    • Public actions and content including drafts, e.g. questions, answers, comments, blog posts, upvotes
    • Data imported from linked networks when authorized by you, e.g. contacts, demographic information, interests, access tokens (now invalidated)
    • Non-public actions, e.g. answer requests, downvotes, thanks
    • Non-public content, e.g. direct messages, suggested edits

    Questions and answers that were written anonymously are not affected by this breach as we do not store the identities of people who post anonymous content.

    What we are doing

    While our investigation continues, we’re taking additional steps to improve our security:

    • We’re in the process of notifying users whose data has been compromised.
    • Out of an abundance of caution, we are logging out all Quora users who may have been affected, and, if they use a password as their authentication method, we are invalidating their passwords.
    • We believe we’ve identified the root cause and taken steps to address the issue, although our investigation is ongoing and we’ll continue to make security improvements.

    We will continue to work both internally and with our outside experts to gain a full understanding of what happened and take any further action as needed.

    What you can do

    We’ve included more detailed information about more specific questions you may have in our help center, which you can find here.

    While the passwords were encrypted (hashed with a salt that varies for each user), it is generally a best practice not to reuse the same password across multiple services, and we recommend that people change their passwords if they are doing so.

    Conclusion

    It is our responsibility to make sure things like this don’t happen, and we failed to meet that responsibility. We recognize that in order to maintain user trust, we need to work very hard to make sure this does not happen again. There’s little hope of sharing and growing the world’s knowledge if those doing so cannot feel safe and secure, and cannot trust that their information will remain private. We are continuing to work very hard to remedy the situation, and we hope over time to prove that we are worthy of your trust.

  • The Importance of Leaving a Legacy

    The Importance of Leaving a Legacy

    The Importance of Leaving a Legacy

    Our lives impact all those who follow us The principles we live by are the basis for the kind of legacy we will leave behind. We will also begin our how-tos by looking at how to leave a relational legacy. All of life is based on relationships, and we choose what direction those relationships go. We can live our lives in such a way that when we are gone, people are impacted by the relational legacy we left behind.

    The core of who we are as individuals is spiritual. We were created with the intention of relating to God through our spiritual life. One of the greatest gifts we can leave behind is a spiritual example and legacy. We will also talk about how to leave a life legacy that impacts people. There are those who live on this earth and then just disappear, leaving little more than a trace. And then there are others who, through their legacy, live on in others for years to come.

    The United States’ founding fathers, who had a dream of a place of self-determination.

     

    Abraham Lincoln, who freed the slaves.

     

    Franklin Delano Roosevelt, who saw us through the Great Depression.

     

    The many men and women who defended our liberties through the wars of the 20th century so that we can live in freedom.

     

    John F. Kennedy, who called us to explore space and set us on course to have a man walk on the moon.

     

    Martin Luther King Jr., who left us a legacy to pursue the dream of racial equality.

     

    There are literally thousands of men and women who lived in a way that affects our lives today.

     

    And, yes, the list goes on from there as well. These are the people we knew, the people we lived with and who shaped us deeply, for better and for worse in some cases.

     

    You see, a legacy can be anywhere on the continuum, from very bad to very good—it  all depends on how we live our lives.

     

    How we live our lives is critically important. This month, I want to  challenge you to take a look at how you live. Challenge you to think deeply about the major areas of your life where you can and should leave a lasting legacy.

     

    . The legacy we leave is part of the ongoing foundation of life. Those who came before leave us the world we live in. Those who come after will have only what we leave them. We are stewards of this world, and we have a calling on our lives to leave it better than how we found it, even if it seems like only a small part.

     

    2. Legacies have raw power for good and for bad. There are people who have changed the world for good, people who have opened up new worlds for millions of others, people who have spurred others on to new heights. And, conversely, there are people who have caused massive destruction for countless millions, people who left a wake of pain behind them wherever they went. There are parents who have  blessed their children with greatness and parents who have ruined their children’s fragile minds and hearts. What we do affects others. Our lives have the power to create good or purvey evil. It is important that we choose to do good.

     

    3. It is an act of responsibility to leave a legacy. Because of the power of our lives and the legacies we leave, it is a great responsibility to choose to leave a positive legacy. All good men and women must take responsibility to create legacies that will take the next generation to a level we could only imagine. I truly believe that part of what makes us good and honorable people is having a foundational part of our lives based on the goal of leaving a legacy.

     

    4. Purposefully leaving a legacy for others breaks the downward pull of selfishness that can be inherent in us all. When we strive to leave a legacy, we are acting with a selflessness that can only be good for us. Yes, I suppose someone could work hard to earn money so that when he or she dies a building is named after them, but that is not the kind of legacy we are talking about. We are talking about legacies that make life better for those who come after us, not about our own fame or recognition, but about helping others. After all, we won’t be around to watch our legacy. To build that which will last beyond us is selfless, and living with that in mind breaks the power of selfishness that tries so desperately to engrain itself in our lives.

     

    5. It also keeps us focused on the big picture. Legacy building is part of the “big  picture.” It keeps us focused on the long term and gives us values that we can judge our actions by. When we are acting based on selfishness, personal expediency and the like, we are focusing on the “small picture”—whatever is pragmatic right now. When we are building a life that will give for many years, we are thinking “big picture.” Ask yourself: How does this action affect my overall goals? How will this affect people in the years to come?

     

     

  • Art of Communication

    Art of Communication

    The Fundamentals of Effective Communication

    Our very success is heavily dependent upon our ability to communicate. This is not just for professional speakers. From schoolchildren to grandparents, everyone should work on improving their communication skills so they can improve their lives. Improving your ability to communicate will be one of the most important things you ever do.

     

    One of the easiest ways to improve your communication is to start by solidifying your base, so to speak, by working on and improving the fundamentals. To get you started, here are a few areas that everyone should know and master.

     

    Communication is powerful—for better and for worse. There is a proverb in the Bible that says, “The tongue has the power of life and death.” This is true. What a person says can build people up or tear them down. The ability to communicate is a powerful responsibility. Whole nations have been inspired to action because of single individual’s passionate words. On the other hand, countless millions of children have been deeply hurt because of the derogatory words spoken to them by their parents. You have within you the incredible power of communication. You can create tremendous things in your life if you take communication seriously and use its power to help others and yourself. Combining this knowledge with a heart set on doing good is the first step in unleashing this incredible force!

     

    Communication must be purposeful. In order to be effective, your communication should be on purpose. Yes, occasionally you may say something off the top of your head and that can hold weight with others, but this is the exception and not the rule. In order to become an effective communicator, you should be very purposeful about your communication. Know what you want to communicate, when you want to communicate and how you want to communicate. Decide what kind of communication will enhance your life and the lives of those around you, and plan your steps for communicating in that way. And then work your plan—know what it is you want to accomplish and how must you communicate in order to do so.

     

    What you say must match what you do. Remember, people watch what you do, not just what you say. What you do always outweighs what you say. If you say one thing and do another, people will follow what you do. If you say something and back it up with your actions, you will provide the “proof” for people who are listening to you, and they will much more willingly follow your lead.

     

    Improve the “Big Two”: speaking and writing. When it comes to communication, these are the “Big Two” that everyone can improve upon: speaking and writing. For every one step that you take to increase your ability to speak and write, you will improve your career position two steps. Don’t think that you have to become the best speaker or writer in the world; just set your sights on the next level above where you are now. Once you get there, then continue to work to the next level.

     

    Here are a few tips for becoming a better speaker and writer:

     

    Becoming a better speaker:

    – Join Toastmasters.

    – Take a college course on public speaking.

    – Give a speech in front of a mirror.

    – Just speak—wherever you can.

     

    Becoming a better writer:

    – Keep a journal.

    – Join a writing club.

    – Have people who are more skilled than you help edit (and critique) your letters and e-mails.

    – Take a college course on writing.

    – Write that book you’ve been thinking about.

     

    Becoming a better speaker and writer will be based on three things: doing it, getting feedback and acting on that feedback.

     

    Learn to listen. Communication is not one direction—it goes both ways. To become an effective communicator, you must be a good listener. All of the following examples show the power of listening: the parent who listens for the feelings of his or her child; the salesperson who listens for what kind of product the client wants; the boss who listens to the concerns of his employees. Can you see how listening in those situations enables you to become a better communicator? Once you know what your “audience” wants, you will be able to better communicate to them. We covered listening skills last month in detail. I would encourage you to go back over those items until they become a natural part of you.

     

    Care about the people with whom you communicate. Talk with them, not to them. People don’t want you to talk at them. They want to communicate. Think about it: The root word is commune, which means to live and share together. This is what we do when we communicate together—we share words and ideas. This means we must care about the people we are communicating with. We should be interested in their needs and desires. And when we know those, we can communicate more effectively with them.

     

    Focus on clarity. The most effective communication is clear communication. Many beginning speakers believe that they should be as verbose as possible—but that is not what makes them effective! The important principle is clarity. Do they (the people in your audience) understand your message? That is the question. If they don’t, then you haven’t communicated. Be as clear and as concise as you can. Never go any longer than it takes to make the communication as clear as it needs to be. And, above all, make sure your audience understands your message when you are finished.

     

    Communicate over and over again. In order to be effective, communication must be done over and over again. The parent or boss who yells, “How many times must I tell you?” is really just proving again that people need to hear a message many times before they internalize it. That is just the difficult nature of communication. Very rarely will you be able to communicate something just once and have someone or some group walk away with full understanding. It just doesn’t happen that way. You need to do it often and in varied ways. This is what will make your communication most effective.

     

    Improve your vocabulary, pronunciation and spelling. When people hear you or read what you have written, they look for class and style. This can often be noticed through your vocabulary, your pronunciation and your spelling. If you want to be more effective, focus on improving in these areas. A key phrase is that our vocabulary directly affects the way we both view and interpret the world around us. If we have a small vocabulary, it limits our ability to define or communicate what we see, feel and hear. The larger the vocabulary, the better our ability to relate. What size is your view—a peephole or a huge, clear window showing the great expanse of this amazing, wonderful world we live in?

     

    You can become an effective communicator! Start with improving the fundamentals, and you will get better. Once you have mastered the fundamentals—and very few have—then you can start on the advanced areas and become world-class!

  • 🥊3 Reasons why you don’t tell people what you make at your job!

    🥊3 Reasons why you don’t tell people what you make at your job!

    🥊3 Reasons why you don’t tell people what you make at your job.

    1. You are overpaid for the value/work you bring to the company.

    There are probably people right next to you that do 2 times the work and get paid less than you. If they knew the amount of money you made they would quit.😋

    2. You are underpaid and embarrassed to show what you are earning.

    You want to make more, hope to make more but right now you don’t have much to show for your efforts. You do most of the work at your job and get the least of the credit.🙄

    3. You are hiding in plain sight. 👻

    You show up to work, clock in, clock out, and go home. You don’t wish to stand out because you fear added work load. You don’t under perform because you need this job as a safety net so you do just enough not to get fired. 💥💣

    In entrepreneurship, most people want to know how much money are you making. How much revenue do you do a month? On a job site it’s taboo to asking someone what they make or to negotiate your paycheck during an interview.

    😎In entrepreneurship, home based business their is no negotiations. There is no promise or guaranteed paycheck. You have to show up and perform everyday whether or not you get paid.

    It is a scary place to be when you have days where you work hard, and put in long hours and didn’t make a dime.😥

    Then there are those days where money show up in your bank account and you’re wondering “where da hell did this come from?” 😊

    You are now motivated to push through another week, another month, another year.

    👨🏿‍🎓Entrepreneurship is an adventure, you get to go different places, experience various things.

    👨‍🏫The most important thing you remember is your growth. What have you become while being on the journey.

    Like & Comment if this post resonates with you in some way. 👍

    Share 🤝 this post if you have friends that need to hear this message.

     

  • 30 Day Book Review – What’s Inside

    30 Day Book Review – What’s Inside

    What is inside the 30 Day Blueprint Book?

    The “30 Days” book is a 550+ page hardcover book of ALL the compiled battleplans (Day 1 through Day 30) from each speaker during the “30 Days Interview Series”.

    That means,

    You’ll not only watch them talk about their plan…you can actually SEE the “big picture” laid out right in front of you!

    You can HOLD it in your hands…

    You can page through, and reference it as you try out new business ideas…

    You can highlight key ‘a-ha’ moments’ as you read, and make notes in the margins….

     

    Here is the list 30 Day Blueprints organized by each speaker:

    Trey Lewellen – The Proprietary “Reactive Startup Formula” That Makes Launching Your Product Painless…And Virtually Guarantees Your Success!
    Liz Benny – Secrets Of A High-End ($10K+) Coaching Program
    Garrett J. White – The “Core 4” For Achieving Success
    Alison J. Prince – How My School-Age Daughters Built Their Own 6-Figure ECommerce Empire…In Just 9 Months
    Dana Derricks – The “Dream 100” Method That Helped Generate Millions In Revenue For Myself And My Clients
    Julie Stoian – The 3 “Profitability” Steps You Absolutely MustAccomplish During Your First Week To Establish Credibility, And Attract High-Ticket Customers And Clients
    Stephen Larsen – The “Purple Ocean” Approach To Identifying Products That Your Fans Would Body-Check Their Grandmas To Buy
    Stacey and Paul Martino – The 3 Non-Negotiables For Setting Yourself Up For Success (…Before You Even Start Your Funnel)
    Ed Osburn – The #1 Factor That’s Exponentially More Powerful Than A Testimonial For Getting Your Clients And Customers From A “Maybe” To A “Yes!”
    Tyler Shaule – 4 Simple Steps To Crafting Your Irresistible Fundraising “Offer”

    Rachel Pedersen – How I Take Entrepreneur Clients From $4,000/Mth To Pulling In Up To $7,000 PER DAY

    Jeremy McGilvrey – My Foolproof “HCBA” Hack That Pinpoints Profitable, In-Demand Niches In Just MINUTES
    Peng Joon – How To Attract Attendees To Your $1K-Per-Ticket LIVE Event In Just 45 Minutes…(And FILL Every Seat In The Room)
    Myron Golden – The Selling Strategies I Use To Help My Clients Rake In Up To $10 MILLION Per Year Each
    Jaime Cross – Mastering the “Convergence Quadrant” Method: Optimize Your Offers Before You Ever Start Building Your Funnel
    Dan Henry – The Unusual Approach That Led Me To Build A $3 Million Business In Just ONE Year
    Joe McCall – Simple Techniques That Create An Irresistible High-Ticket Coaching Offer
    Spencer Mecham – How To Attract Buyers To Your Affiliate Programs On Autopilot
    Anissa Holmes – How To Leverage FB To Land Clients To Consistently Fill Up Every Slot In Your Schedule
    Dean Holland – Everything From FB Group, Webinar Strategies, Collaborations, And Getting Affiliates To WANT To Help Promote You!
    Rob Kosberg – My Top-Secret “Embarrassingly Simple” Strategies That Enable Me to Land $25,000 Sales (Day After Day) From A Webinar
    Natalie Hodson – How To Identify And Approach Your PERFECT Influencers To Promote Your Lead Magnet… (And Get The Most “YESes” Possible!)
    Pat Rigsby – The EXACT Process I’ve Repeated Over And Over Again To Create 7 Businesses That Make At Least $1 Million Per Year
    Caitlin Pyle – How To Build INSTANT Credibility And Authority In Your Niche (Even If You’re “New And Unknown” At The Moment)
    Akbar Sheikh – How To Create An Almost INSTANT Coaching Practice That Attracts Your Perfect Clients
    Rhonda Swan – How I Traded My All-Day “Hustle” For A Tripwire Funnel That Shot From “Zero” To 6-Figures In Just WEEKS
    David Asarnow – The Lost PHILOSOPHY That Earned Me An 8-Figure Award…FOUR TIMES!
    Raoul Plickat – Tapping Into Your “A.G.P.” To Accomplish Any Goal In HALF The Time
    James P. Friel – The SINGLE Biggest Mistake That Holds New Business Owners Back…(and keeps them from ever achieving the success they dream of)
    You can still get UNLIMITED lifetime access to all 30 interviews, (plus never-before seen extra interviews from each speaker, and the “30 Days” 550-page book) for FREE as bonuses when you join the ‘One Funnel Away’ Challenge!
    30 Days Blueprint
    •  ‘One Funnel Away’ Coaching With Two Comma Club Coach Stephen Larsen and Julie Stoian ($997 Value)
    •  Customized 30-Day Plan & Daily Action Steps ($247 Value)
    •  “30 Days” Hardcover Book ($97 Value)
    •  Unlimited Lifetime Access To “30 Days” Interviews ($47 Value)
    •  Never-Before-Seen Two Comma Club Funnel Interviews ($47 Value)
    Total Value: $1,435
    If you want to get your funnel LIVE and start building your business, then this is the mission we’re giving you…
    You have 30 Days, starting October 15th…
    Do YOU Accept?
    Only For $100

     

  • 30 Days Summit Ends Today

    30 Days Summit Ends Today

    Day 3 of “30 Days” is LIVE, and I can’t wait for you to see what we’ve got planned for today…

    Or should I say, “who” we’ve got planned…

    Click below to access Day 3, and come join us now!

    www.30Days.Club

    Today is the last day to get Access.

    Want to know which speakers will be sharing their Day 1 through Day 30 action plans with you today?

    30 DAYS INTERVIEW SERIES – DAY 3:

    Rob Kosberg – My Top-Secret “Embarrassingly Simple” Strategies That Enable Me to Land $25,000 Sales (Day After Day) From A Webinar

    Natalie Hodson – How To Identify And Approach Your PERFECT Influencers To Promote Your Lead Magnet… (And Get The Most “YESes” Possible!)

    Pat Rigsby – The EXACT Process I’ve Repeated Over And Over Again To Create 7 Businesses That Make At Least $1 Million Per Year

    Caitlin Pyle – How To Build INSTANT Credibility And Authority In Your Niche (Even If You’re “New And Unknown” At The Moment)

    Akbar Sheikh – How To Create An Almost INSTANT Coaching Practice That Attracts Your Perfect Clients

    Rhonda Swan – How I Traded My All-Day “Hustle” For A Tripwire Funnel That Shot From “Zero” To 6-Figures In Just WEEKS

    David Asarnow – The Lost PHILOSOPHY That Earned Me An 8-Figure Award…FOUR TIMES!

    Raoul Plickat – Tapping Into Your “A.G.P.” To Accomplish Any Goal In HALF The Time

    James P. Friel – The SINGLE Biggest Mistake That Holds New Business Owners Back…(and keeps them from ever achieving the success they dream of)

    REMEMBER – All of these interviews will disappear by 11:59pm tonight!

    You can still get UNLIMITED lifetime access to all 30 interviews, (plus never-before seen extra interviews from each speaker, and the “30 Days” 550-page book) for FREE as bonuses when you join the ‘One Funnel Away’ Challenge!

    Get UNLIMITED Lifetime Access To ALL The Interviews (And 2 Other Bonuses) Here >> www.30Days.Club

  • Benjamin Franklin – Personal Development

    👨‍🏫Benjamin Franklin, inventor, statesman, writer, publisher, and economist relates in his autobiography that early in his life he decided to focus on arriving at moral perfection.

    He made a list of 13 virtues, assigning a page to each. Under each virtue, he wrote a summary that gave it fuller meaning. Then he practiced each one for a certain length of time.

    To make these virtues a habit, Franklin can up with a method to grade himself on his daily actions. In a journal, he drew a table with a row for every virtue and a column for every day of the week.

    Every time he made a fault, he made a mark in the appropriate column. Each week he focused his attention on a different virtue. Over time, through repetition, he hoped to one day experience the pleasure of “viewing a clean Book.”

    He says that he carried out this personal examination for years. In order to do the work thoroughly, he decided to attempt each virtue and a quarter of its importance – one at a time.

    🤔He began with temperance, which included the moderating of every pleasure or inclination to develop undesirable habits, because temperance “tends to procure that coolness and clearance and head that is so necessary where constant vigilance is to be kept up and guard maintained against the unremitting attraction of ancient habits and the force of perpetual temptations.”

    The other virtues practice in succession by Franklin were silence, order, resolution, frugality, industry, sincerity, Justice, moderation, cleanliness, tranquility, chastity and humility. For the summary order he followed a little scheme of employing his time each day.

    From five to seven each morning he spent in bodily personal attention, saying a short prayer, thinking over the day’s business and resolutions, studying and eating breakfast. From eight till twelve he worked at his trade.

    🤨From twelve to one he read or overlooked his accounts and dined. From two to five he worked at his trade. The rest of the evening until 10 he spent in music, or diversion of some sort.

    This time is used also to put things in their places. In the last thing before retiring was an examination of the day. At the age of 79, he ascribed his health to temperance; the acquisition of misfortune to industry and frugality; the confidence of his country to sincerity and justice.

    Franklin’s extraordinary success in life and politics can be attributed to his perseverance to overcome his personal liabilities, and his desire to constantly become better.

    Next time you really want to achieve something, take time to focus on your own personal journal. What is your temptation that is standing in your way to greatness? What can you do to form the habit of becoming a success?🧐

  • MOBE Closed Down by FTC – To be Contined

    So just like MOBE affiliates, members and employees we have been waiting for today to hear what will be the faith of MOBE (My Online Business Empire). The company has been closed down by the FTC since June 4th and many affiliates are financially and emotionally hurt by the sudden closure of the company. There was a court hearing that was scheduled to take place today June 26th 2018 to address the complaints:

    • Deceptive Recruiting Materials
    • Defendants’ Live Events
    • Consumers Do Not Make Substantial Income from the MOBE Program
    • Deceptive Refund Practices

    According to Mark J. Bernet, Receiver

     

    The lawsuit is pending in the United States District Court for the Middle District of Florida, Orlando Division. A copy of the Complaint is posted on this website. In the lawsuit, the FTC alleged that the defendants operated a fraudulent internet business education program called “My Online Business Education,” or “MOBE,” through which the Defendants claimed they would reveal a “simple 21-step system that will show consumers how to quickly and easily start their own online business and make substantial income.” However, the FTC further alleged that, contrary to the Defendants’ representations, “the vast majority of consumers who join the MOBE program and purchase . . . costly MOBE memberships lose money.” According to the FTC, this “internet business” that consumers are taught to launch in Defendants’ program is nothing more than buying costly MOBE memberships for thousands of dollars and recruiting other consumers to pay thousands of dollars to purchase those same memberships. The FTC further alleged that by operating the business in the fashion they operated it, the Defendants violated Section 5(a) of the FTC Act, 15 U.S.C.A. §45(a).

    Among other things, the TRO:

    • Enjoins the Defendants from making false representations concerning what consumers are likely to earn through the MOBE system, or concerning consumers ability to obtain refunds from Defendants without conditions;
    • Enjoins the Defendants from making false representations concerning the Defendants’ refund policies;
    • Enjoins the Defendants from selling, copying, releasing or disposing of any customer information, including customer names, addresses, telephone numbers, email addresses, etc.; and
    • Freezes the assets of the Defendants and enjoins them from transferring, selling, or otherwise disposing of any of their assets.

    The official court date was reschedule on June 18th and has pushed back the  preliminary Injunction hearing from June 26, 2018, until 1:30
    p.m. on July 17, 2018.

     

  • Permit Patty Calls the Cops on 8 Year Old Girl

    #PermitPatty: Woman allegedly calls police on girl selling water in San Francisco

    A San Francisco woman who allegedly called the police on an 8-year-old girl for selling water outside AT&T Park is causing a stir on Twitter, where she is being identified as #PermitPatty.In a video first posted to Instagram by the girl’s cousin, Raj, or @_ethiopiangold, early Saturday, the girl’s mother confronts the woman, who is white, while she is on the phone and appears to be on hold. Afterward, the woman, identified as Alison Ettel of Treatwell Health, a San Francisco edibles company with cannabis options for pets, ducks behind a retaining wall.

    “You can hide all you want,” the mother says. “The whole world gonna see you, boo.”Ettel responds, “And illegally selling water without a permit?”Then the mother notes that the water being sold is on her property. Ettel responds “it’s not your property.”

    In my opinion this is very sad that we can see someone else trying to succeed or have some type of entrepreneurship spirit and give them support. We rather stop them from making a buck in this case 2$.  In today’s economy you need to have a side hustle to make up for the economy factors that effect your income.

    As of Saturday afternoon, the video has been viewed 1.5 million times and re-tweeted 25,000 times by as far away as Brooklyn, New York and high-profile Tweeters, like Intercept reporter Shaun King. Raj, the girl’s cousin, did not respond to a message sent for comment.

    According to a story posted on SFGate.com at 4:30 p.m., Ettel, who says she had received death threats since the incident hit social media, made this statement after explaining that her anger stemmed from work stress and loud noise that the girl and her mother were making.

    “It was wrong and I wish I could take it back,” she said. “Believe me, I wish I never had done that.”

    Information Compliments of Mercury News

  • Is the MOBE system a scam?

    Is the MOBE system a scam?

    Short answer: yes. The Federal Trade Commission shut MOBE down in June 2018, a federal court froze its assets, and the court-appointed receiver concluded the business could not be operated legally. This post is the full story — what MOBE was, how it collapsed, and what happened to the money — compiled from my original reporting as the case unfolded.

    What Was MOBE?

    MOBE (“My Online Business Education”) sold itself as a business education program run by founder Matt Lloyd. The pitch was simple: a “proven” 21-step system for making money online. Entry cost just $49 — but that was the top of a very expensive funnel. Members were pushed toward escalating “license rights” packages starting at $2,497 and climbing into the tens of thousands of dollars, each sold with the promise of bigger commissions and faster returns.

    The model looked attractive for the same reasons every online business opportunity does: work from home, no storefront, no inventory. But the income came almost entirely from recruiting other people into the same expensive packages — not from any real product or service.

    June 2018: The FTC Steps In

    In June 2018 the FTC filed suit against MOBE Ltd, Matt Lloyd, and related entities, alleging the operation had taken more than $125 million from consumers. All MOBE websites were seized and business was halted overnight. Affiliates initially protested and hoped for a quick resolution at the June 26th hearing — it never came. From the FTC’s complaint:

    “Once consumers are lured into joining the program for a modest entry fee of $49, Defendants apply a series of high-pressure tactics to induce consumers to buy their various membership level packages – starting at $2,497 and progressively becoming more expensive – with the false promise that consumers will reap substantial returns on these ‘investments.’”

    The Shutdown Was Permanent

    The court-appointed receiver, Mark Bernet, investigated whether MOBE could be reformed and operated legally. His conclusion: it could not. MOBE was completely and permanently shut down. His investigation confirmed the core allegation — virtually all of the consumers he communicated with never earned back what they paid for their MOBE memberships.

    Following the Money: The $6.3 Million Reserve Raid

    One of the more dramatic chapters was the fight over MOBE’s payment processing reserves. Payment processor Qualpay Inc. and Synovus Bank held over $6.3 million in MOBE reserve accounts and argued their merchant agreements let them keep it. Judge Dalton disagreed: the money belonged to MOBE, so it belonged to the receivership. The companies were ordered to turn over $6,314,342.09 by August 16, 2018. All told, the receiver recovered more than $14.3 million in the early phase of the case, with additional lawsuits against third parties on the table.

    Did MOBE Victims Get Refunds?

    Eventually, yes — through the FTC, not through any “claims service.” In 2020 the FTC began returning money to MOBE victims, ultimately distributing more than $23 million in refunds. Two lessons from that process are still worth repeating:

    • Real refunds never require an upfront request or fee. After the shutdown, scammers targeted MOBE victims a second time with fake “refund processing” offers. The FTC identified eligible customers from MOBE’s own database.
    • Report, don’t wait. Filing a complaint at ftc.gov/complaint is what builds these cases and gets people paid.

    How to Spot the Next MOBE

    MOBE wasn’t the first program of its kind and it won’t be the last. The warning signs are consistent:

    • Income claims based on selling the same opportunity to others, rather than a real product or customer
    • A cheap entry point that funnels into “levels” costing thousands
    • Pressure to upgrade before you’ve earned anything
    • Testimonials about lifestyle instead of verifiable business results

    A legitimate business education program makes its money teaching skills that work whether or not you ever buy another thing from them.

    Building Something Real Instead

    If the reason you looked at MOBE in the first place was to build income on your own terms, the honest path is a real business with real customers — and capital when you need it. If you own a business and need working capital, equipment financing, or funding to grow, start at Funding-Advisor.com and I’ll tell you straight what you qualify for.