Phil's Phascinating Rephlections

Business Opportunities for Vancouver

Phil — Thu, 29 Jul 2010 18:15:15 +0000

Creating a lucrative business as a Xocai healthy chocolate distributor in Vancouver is not for slackers. You must be committed to your Richmond business and work to make it successful. There is no minimum income guaranteed. Contrary to what some MLM scam promoters promise, the orders don’t roll in immediately when you sign up.

However, consistent effort to promote Xocai healthy antioxidant chocolate will bring results. Because Xocai is an MLM, your hard work in the beginning will create a network that will eventually generate income on its own.

Though it required time and effort to build, my Langley downline began producing sooner than I expected. I still dedicate several hours per week to my business, but it has gained momentum that is steadily increasing my income without increasing my hours.

Think about your current situation for a moment. Are you working hard for your Surrey employer? Are you skilled and confident in your position? Are you committed to the success of your department and Richmond company as a whole?

If you answered yes to those questions, here is another one: is your hard work paying off? Are you adequately compensated for your experience, efforts and expertise?

What if you dedicated your skills to your own Richmond weight loss chocolate business marketing opportunity? What if your hard work actually resulted in increased income?

You don’t have to worry about the product. The demand for antioxidant chocolate is growing as more people learn about its amazing health benefits and take advantage of business opportunities with Xocai.

Call me today at 604.943.8598 to get started.

All our dreams can come true, if we have the courage to pursue them — Walt Disney

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Xocai Protein Bar Press Release

Phil — Wed, 28 Jul 2010 23:11:14 +0000

Antioxidant Protein Bars Added to Xoçai™ Product Lineup

Xoçai™ Protein Bars provide a healthy, on-the-go meal option

RENO, Nev. (Aug. 4, 2008) — Marketing Xocolate International Corporation (MXI-Corp) has expanded its product line with a new antioxidant bar, the Xoçai™ Protein Bar. The Protein Bar is low in calories and high in protein and fiber.

“The Xoçai™ Protein Bar is what we like to call, ‘the ultimate antioxidant experience,’” said MXI-Corp founder and executive vice president Andrew Brooks. “Whether you are looking for the recommended antioxidants, extra energy, more protein or to shed a few extra pounds, the Protein Bar is a great solution.”

The Xoçai™ Protein Bar has 10 grams of soy protein, the equivalent of two large eggs. It is sweetened with Isomaltulose, a low-glycemic sweetener. Its ingredients include all-natural, unprocessed cocoa powder, açai berry and other berries high in antioxidants. Each Protein Bar contains only four grams of fat and seven grams of sugar, and only 140 calories.

“This product is the perfect low-calorie, high-protein and high-fiber snack or meal,” said MXI Ambassador, Adam Green, president of Winner’s Circle International. “The Protein Bar provides you with the antioxidants, carbohydrates and vitamins our bodies need.”

Each Protein Bar has an Oxygen Radical Absorbance Capacity (ORAC) value of 4,066 per bar. Each case of Xoçai™ Protein Bars contains four display boxes, each containing 10 Protein Bars, for a total of 40 bars.

About Marketing Xocolate International Corporation

Established in 2005, Marketing Xocolate International Corporation (MXI-Corp) is the world leader in healthy, dark chocolate products. All MXI products are focused on potent doses of delicious, antioxidant-rich Belgian cacao. MXI-Corp believes that the high levels of natural antioxidants that are found in its cacao can provide a viable solution to individual nutritional needs. The Xoçai™ (sho-sigh) line, which currently includes nine products, is manufactured utilizing a cold-press process, which preserves the nutritional values of the company’s proprietary blends of vitamins and minerals. Nevada-based MXI-Corp is a privately held company. The Brooks family, owners and operators of MXI-Corp, have total combined chocolate sales of more than $1 billion.

Archived press releases can be found at www.PhilHoskins.com.

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Billion Dollar Chocolate For Vancouver?

Phil — Fri, 23 Jul 2010 20:47:25 +0000

Many Delta people are considering starting their own home-based business. If you are in the process of researching your options, I urge you to consider becoming an independent Xocai healthy chocolate distributor.

I share Xocai health chocolate in Vancouver and the surrounding communities. It doesn’t matter if you live in Delta, Richmond, or Surrey; Xocai is a hot seller all over the world.

Perhaps you are not a die-hard Delta chocolate lover. What about your Richmond friends and Langley colleagues? How many of them eat chocolate regularly? When you grocery shop at your local Vancouver market, do you ever visit the candy aisle? Have you noticed the amount of space devoted to chocolate? What about the limited display area at the checkout counter? How many different brands of chocolate are sold in that coveted retail space? By 2011, the US chocolate market is expected to reach $18 billion. (Yes, that is a ‘b’!)

If you are a chocolate lover, answer this question: Do you stop buying chocolate during times of economic hardship? If you do, you are in the minority. Market research shows that chocolate demand is ‘recession-proof.’ Somehow, chocolate addicts find a way to satisfy their chocolate needs even when money is tight.

Can I point out another billion dollar market that is exploding in Vancouver? You probably guessed that it is the health and wellness industry. The beautiful thing about Xocai antioxidant chocolate is that it fits into both categories: the chocolate and wellness industries. Xocai is healthy dark chocolate for both chocolate lovers and health supplement consumers. If you are unfamiliar with the nutrients contained in Xocai dark chocolate, see my Xocai website.

If you would like to review Xocai weight loss chocolate, contact me today. My phone number is 604.943.8598.

All our dreams can come true, if we have the courage to pursue them — Walt Disney

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Healthy Chocolate For Delta BC

Phil — Wed, 21 Jul 2010 01:02:52 +0000

Hello! I am a entrpreneur and investor in human spirit in the local Delta healthy chocolate revolution.

As the world leader in healthy chocolate, and the local Delta authority on chocolate for health, the vision of our healthy chocolate company is to transform and improve lives worldwide through healthy chocolate products. Xocai healthy chocolate provides an exciting health alternative for everyone in Delta as well as a promising business opportunity for the greater Vancouver area.

The most exciting part for me is that our company has a focus on engaging in socially and environmentally responsible practices to make and distribute our healthy chocolate products from Vancouver to the world.

Xocai healthy chocolate combines the wonderful flavors of unprocessed cacao, acai berries, blueberries and concord grapes, leaving my friends in Delta with a lasting and delicious, ‘dark-chocolate’ taste. Mmmm! Our healthy chocolate contains a high antioxidant content with a remarkable ORAC (Oxygen Radical Absorbance Capacity) Value.

Our healthy chocolate is perfect for the ‘all-natural’ consumer. Xocai products are formulated with no added colors, no artificial flavors, and no preservatives! Ideal for the Vancouver purist who wants nothing but the raw, high-antioxidant ingredients or for our local Delta energy enthusiasts who want nothing holding them back from an exciting BC life!

Give me a call if you are interested in learning more about how healthy chocolate can be for you. You can reach me on my Contact page (to the right) or by calling me at: 604.943.8598

Thanks for stopping by my Delta Healthy Chocolate Website.

-Phil

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Live your dream, be a fit person, earn money

Phil — Sun, 13 Jun 2010 16:01:13 +0000

Everyone has dreams of being financially free and being in the absolute best shape they can be in. But what if that dream is not only attainable, but it is easy and fun? What if you could get paid to get in great shape? We are not talking about modeling or bodybuilding; we are talking about how regular people, just like you, can look and feel fabulous, while padding their wallet!

Sound interesting? Let me tell you about a revolutionary new network marketing opportunity called Get Fit Get Free. Get Fit Get Free is an online personal training system that will help you get in great shape while you help others do the same. Sign up for the program and create a fitness profile. Your profile consists of information about your fitness goals, your current fitness levels, and your availability to work out. This profile will be used to create a customize workout plan, just for you. Your fitness plan will keep you challenged and motivated over time, pushing you harder to get in the best shape you have ever been in! Just eat a reasonable diet and follow along to the almost 1000 different exercise videos!

Be sure to log your workout information after you are done. Get Fit Get Free will track your progress in the form of a graph so you can easily see how far you have come. You even have the option to upload pictures so you can visually see the progress you are making on your figure.

Wondering how all this can you make you money? Think about everyone you know – family and friends, co-workers, church members – and how many of them might be interested in getting fit. How many of them do you think might also be interested in making money? Well, probably all of them! When you help your friends and family get started with Get Fit Get Free, they become part of your network. You will get a portion of their sign-up fee, as well as a percentage of their monthly dues. You have the ability to earn an unlimited income! Your success depends on how many people you can help get started on their fitness and financial goals.

But it does not stop there! When others in your network begin recruiting on their own, you also get a portion of those start-up fees and monthly dues. Your network will continue to grow without you having to do a thing! Just keep working out, and encourage others in your network to recruit and stay motivated.

With Get Fit Get Free, you will have freedom that simply is not possible with a Monday through Friday desk job. You do not have to go into work. You will be able to travel all over the world, helping others and getting in the best shape you can imagine! Do not hesitate, this is your opportunity. You can now be in control of your health, your happiness, your future and your life. Live your dream, be a fit person, and earn great money! Get Fit and Get Free right now!

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Being Fit Can Bring You Money Too

Phil — Sat, 12 Jun 2010 16:02:12 +0000

Did you know that being fit can bring you money too? No, I am not talking about modeling. I am not talking about fitness or bodybuilding competitions. I would like to tell you about a unique multilevel marketing opportunity that will allow you to get in the best shape you can imagine, all while making more money you ever dreamed possible!

How does it work? Sign up with Get Fit Get Free and complete your fitness profile. Your fitness profile will include information such as your current fitness level and your fitness goals, as well as when and how often you will be available to exercise. You will also be asked to complete a fitness assessment to determine exactly where you are right now. This information will be used by our exclusive Body Type Science™ technology in order to create a customized fitness plan that is made just for you!

With almost 1000 different exercises available online, complete with how-to instructional videos, you will have the ability to get in great shape, in the comfort of your own home, and never get bored! There is no need to join a gym and pay for expensive personal training sessions. With Get Fit Get Free, the personal trainer will come to you! Many of the exercises require no equipment; others require inexpensive equipment that can be purchased at any health and fitness store.

All this sounds great, but you are probably wondering how you get paid to do this. It is called multi-level marketing. All you need to do is help others get started on their fitness journey. Each time you recruit a friend, family member, co-worker, anyone, to start Get Fit Get Free, you will be rewarded with a portion of their initial start-up fee. They will then have the opportunity to, like you, get in the best shape of their lives while making money and helping others.

It does not stop there either. As those in your network begin to recruit others to join, your network will continue to grow. You will have the ability to make money 24/7, even in your sleep! Does your current job pay you to sleep?

If you are worried about having the time or money to start your own business – do not! Think about it this way: if you had plenty to time and money, why would you need to start your own business? The fact is making an investment in Get Fit Get Free will give you the ability to make money and be in amazing shape. You will have more cash and more free time than you have ever thought possible, all while gaining the satisfaction of knowing you are helping others be healthier and possess more financial freedom.

With Get Fit Get Free, you have the opportunity to make an unlimited amount of money, money that will keep coming in whether you are in Hawaii or Paris or Alaska. You will have the time, money, and freedom to live your life however you want. Spend time with your family, travel; take control of your life. Join Get Fit Get Free now!

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Fitness MLM Opportunity

Phil — Thu, 10 Jun 2010 16:00:25 +0000

Wouldn’t it be nice to get in the best shape of your life while making more money than you have ever dreamed possible? I would like to tell you about a new multilevel marketing (MLM) opportunity. Get Fit Get Free offers you the chance to get in shape while making money.

First you sign up and complete a profile and fitness assessment. This process will determine your current fitness level, while also assessing your goals. After you have completed this portion, Get Fit Get Free will customize a workout program just for you based on the information you have provided. It is like having a personal trainer come to your home each and every day! You customized workout will accommodate your schedule and your goals, and will increase in difficulty over time so that your body remains challenged.

Featuring almost 1000 exercises, Get Fit Get Free offers you the ability to get in shape without getting bored. You can have a different workout every single day of the year. You can also input the information about your workout, including your current fitness statistics, to monitor your progress. Get Fit Get Free will track your improvement in the form of a chart so you can easily see just how far you have come.

Interested? You are probably wondering just how you get paid to do all of this. The secret is network or multilevel (MLM) marketing. It is really easy – all you have to do is help someone else get started on their own path to fitness and financial freedom. For each new participant you help sign up to get in the best shape of their life, you will receive a portion of their start-up fee and a percentage of their monthly dues. That is it! You get the satisfaction of knowing you have helped someone else, you get to get in great shape, and you get paid while doing it!

Worried you do not have the time or money to get your own business started? Think about it this way, if you have all the time and all the money you needed, you would not have to start a business of your own! But if you are interested in how you can make an unlimited amount of cash while experiencing a type of freedom that typical Monday through Friday, 9-5 jobs simply cannot provide, you need to do this! Get Fit Get Free is the answer to your fitness and financial problems.

To get started, all you need is a one-time fee of $489 – and that price enables up to 10 people to use our in-home personal training system. You will then be on your way to getting into great shape with this MLM opportunity. After that, just a $100 per month membership fee keeps you going strong. Invite friends and family to join, and be sure to tell them about the opportunity they have to make great money, not to mention look and feel absolutely fabulous!

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Get Paid for Being in Shape

Phil — Wed, 09 Jun 2010 15:55:14 +0000

Wouldn’t it be great if you could get paid for being in shape? No, we are not talking about modeling or bodybuilding; we are talking about having your own business – taking charge of your life and your health, while having the opportunity to help others do the same.

The Center for Disease Control states that on any given day, roughly 2/3 of the adult population is on some form of diet program, but only 5% will be successful at keeping the weight off. This is because diet alone is not enough! The World Health Organization says that over 60% of the world’s population fails to get enough exercise to gain the health benefits from doing so – that’s over 3 billion people! We need to get more active.

With so many exercise programs out there, it can be intimidating to make a decision on which to select. We would like to let you in on a little secret – if done consistently, they all work! Getting your body moving is the most important aspect. Why not select a program that will allow you to earn money and help others?

Get Fit Get Free is an online program that helps you start your own business. The process starts by you joining and beginning to work out. The program will analyze your body type, fitness goals, and fitness level, and then design a workout program that has been customized just for you! You can create a personal profile and include information about where you and where you want to be. You can even upload pictures to tract your progress.

You customized Get Fit Get Free provides videos of exercises which show the exact form for the exercises you will complete. It will also tell you the repetitions necessary to reach your goals. After your workout, input your information to track your progress and receive constant feedback. Progress will be graphed so you can see just how far you have come.

When you are ready, it is time to get your business started. Simply invite someone you know to join. Think about others you work with; go to church with, family members and friends. Anyone that might be interested in getting into shape and making money is the right person to talk to about Get Fit Get Free.

As others join, you will be paid a portion of their start-up fee, as well as a percentage of the monthly membership fee. There is no limit to potential earnings, and you will have the satisfaction of knowing that you helped others reach their goals as well.

If done effectively, Get Fit Get Free can provide you the type of freedom that cannot be attained at a Monday-Friday, 9-5 job. You will be able to travel and enjoy your steady income stream, without having to constantly be working. And if you are thinking that you do not have the time or money to start your own business, think again! In fact, it is just the opposite. If you had all the time and money that you needed, needed you would not have to consider starting a business of your own! Join Get Fit Get Free now and enjoy a healthy body and unlimited earning potential.

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Get Fit Get Free Just Doing Various Exercises

Phil — Tue, 08 Jun 2010 15:47:06 +0000

Diet is an important part to healthy living, but cutting calories alone is not going to give you the kind of results you are really looking for. In order to create a form that is healthy, strong, and toned, you have to exercise.

The best way to go about exercising for health and beauty is to incorporate various different exercises. An essential element is cardiovascular exercise, which gets the heart rate up and helps burn off calories. Burning more calories than you consume causes the body to rely on fat stores as a source of energy, so essentially your body eats away your spare tire! After all, doing all the crunches in the world will not give you a visible six-pack if there is a layer of fat over it. Running, dancing, and biking are some examples of cardiovascular exercise.

The other important exercise is strength or resistance training. These exercises help tone and build muscles for strength and a youthful appearance. You can use these exercises to tone or bulk up, depending on the amount of resistance you use and the number of repetitions. Exercises like bicep curls, lunges, and push-ups are all examples of resistance or strength training.

Now that you know a little about getting in shape, how would you like to hear about how to get in shape and make money while doing it? Get Fit Get Free is a business opportunity for folks just like you looking to get in the best shape of their lives while making an unlimited amount of cash.

Get Fit Get Free starts by analyzing your body type, fitness goals, and fitness level, gives you a standardized fitness test, and then customizes a program that is suited to your needs and schedule. There is no need to give up your favorite foods either – just follow the program and eat a reasonably healthy diet full of fruits, vegetables, whole grains, and protein.

Get Fit Get Free provides almost 1000 exercise videos and tells you exactly when and how to do them. After your workout, you can provide your information and see progress tracked. Receiving constant feedback will allow you to stay motivated and focused on your goal.

To start Get Fit Get Free, you only need $489 for the one-time fee (for June 2010 while in pre-launch this will only be $189, a savings of $300), and then a $100 per month membership fee. Up to 10 people are included in this price – and right now, you get the second month free!

The genius of this program is its utilization of network marketing, which will allow you to start and maintain your own business and earn a constant revenue stream – with unlimited earning potential.

For each person you help get started on their fitness and professional goal, you earn $150. After you help two people get started, you will be bumped up to a $200 start up bonus, plus you will get paid when the people you have helped help others. There are even more ways to earn, including incentives like travel.

Don’t miss this opportunity to Get Fit Get Free. You will be able to get into the best shape of your life, while making money, and helping others does the same.

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New CMHC Rules for Real Estate Investors – Good or Bad

Phil — Fri, 23 Apr 2010 19:10:39 +0000

How have the recent changes to Canadian mortgage lending affected single family real estate investors? The recent changes The Honourable James Flaherty, Minister of Finance, made were specifically directed to “reckless speculators”. But the new rules have impacted all the single family home real estate investors in a negative way and possibly increased the risks to banks, the very thing he is trying to avoid.

Three things have happened with the new rules. They have:

chased some potential real estate investors away
made it more expensive to become a real estate investor
made it more risky for people to become real estate investors.

Real estate is a way many people choose to build assets and increase their cash flow. Let’s face it the stock market is not for the unsophisticated investor and mutual funds make the mutual fund managers rich, not the investor. There are not a lot of options out there.

We are fortunate to live in Canada. Our banking system is sound and survived the recent global melt-down very well. The circumstances that occurred in the US did not happen here because of our rules and regulations. Banks in the US had loans that were 100% backed by the government so they could lend money to anyone with a pulse at no risk to the bank themselves. In Canada that was not possible as we already had the 5% down minimum from the CMHC.

Real estate speculators didn’t cause the crash. It wasn’t even Wall Street as much as people want to believe that. It was the US Central Bank and the US Government that caused the global melt-down by removing free-market conditions and keeping interest rates too low.

So why does a small real estate investor in Canada have to pay for bad US economic policy? Mr Flaherty even stated that there was no clear evidence of a real estate bubble in Canada yet he still introduced rules to increase the cost of real estate investing.

I was looking at a recent property and I was declined the CMHC mortgage. They identified that I had two risky rental properties (one at 5% down and one at 20% down, I was trying for 5% on this one) and under the new rules I would be unable to qualify for 5% although a couple of weeks earlier I had and the new rules had yet to come in effect yet.

I now have three options:

Come up with 15% more for a total of 20% down, bypassing the CMHC, increasing my financial commitment and lowering my ROI
Come up with 10% more and find a joint venture partner to come up with the other 10% for the down payment, bypassing the CMHC, increasing my financial commitment and lowering my ROI. This also increases the cost as I now have to spend money on lawyers’ fees to come up with the proper partnership agreement as well as this has increased my risk since I am no longer 100% in control of the property. I also have the added risk of the actual partnership.
Or just pass on the deal

I actually found a partner but as we worked through the deal too many questions arose so we decided to pass on the deal. Now, the rent-to-own tenant lost a beautiful house and the current owners still holds the property.

I think the Canadian banks and mortgage lenders were doing a good job of their due diligence lending money to single-family home real estate investors already. The new rules just increase the risk and cost to real estate investors. It might even increase the risk to banks as they may lax their due diligence and wind up with more bad loans just because someone has been able to come up with 20%.