If you got here from my Home page - please check your Inbox in a few minutes for your 'confirmation' e-mail, to enable you to receive some Special BONUSES! :-)

As I mention in my Audio above, my name is Peter Arnold, and I appreciate you investing your valuable time to read my Bio, and to learn how our team partners and I generate thousands of dollars weekly from home - largely on autopilot - using a mix of diversified, solid businesses in our portfolios.

NOTE: This page is long - not everyone will want to take the time to read or study it. For me, that's perfectly Ok, because I'm looking to help only those who are intensely interested in securing their own financial futures. I couldn't be more serious about that.

Home Businesses - If you wish to skip my "personal story & testimonials" below for now - you can scroll to the bottom of this page to find the link to a Portfolio of (what I consider to be) excellent Home Businesses.   

ECONOMY / Struggle - As a Financial Advisor and a Business Consultant, I have witnessed the frustration, discouragement and pain that many of my clients and associates go through, given today's economic chaos - a global financial crisis. They face increasing uncertainty and high stress in their jobs, businesses and professions, and many are worried about the health of their savings / investments / homes / retirements.

 

More and more people are searching for alternatives. Many are choosing to set up a Home Business as the best answer - and this might include - Affiliate Marketing - Direct Sales - MLM-Network Marketing - Internet Marketing, among others. Over the past two decades, the majority have selected MLM-Network Marketing as their business model - and many have chosen to go with InterNetwork Marketing.

 

I’m on a MISSION - a mission to guide and coach people who have a strong desire to improve their present situation. My goal is to help them - eliminate their debt - increase their income - build wealth - live healthier, happier lives - all from the comfort of their own home. 

 

IF you can identify with any of the above - I’m deadly serious about your future - I’m 110% committed to your success - are YOU?

 

IF you can identify with any of the above - I'm willing to walk with you, or run with you - I'm willing to do whatever it takes - are YOU? 

 

I am prepared to HELP you accomplish your Goals - if you are willing to help yourself - if you are open-minded and coachable. 

 

OUR TWO (2) WORST FEARS

According to a recent Louis Harris Poll, the two major issues that keep people awake, worrying at night, are... our FINANCES... and our HEALTH. These are two of the highest stress factors that 'eat away' at our quality of life - that rob us of the happiness and well being and peace we deserve for ourselves and our families.

More and more people are searching for - a better life - better financial security - better health - they're looking for a better way.  Here's my own call on this...

B-A-L-A-N-C-I-N-G

LIFE - WEALTH - WELLNESS

 

I believe we can only become truly RICH in life -- and achieve complete WEALTH -- when our physical, emotional, spiritual and financial well-being are in 'harmony' - Wellness in MIND - BODY - SPIRIT and FINANCES. I believe that vibrant health + financial abundance + time freedom + peace of mind = a complete LIFE with HEALTH and WEALTH.

Most people 'never' achieve this optimal state of FREEDOM - PROSPERITY and HAPPINESS. And it's not much wonder - with the assault we undergo every single hour in today's unsettled world. It comes from every direction, in terms of - the choices we make - the lifestyles we live - the information and people we surround ourselves with. It's really no mystery at all why we're such an ailing population.

[[ "Any person is wealthy who has - good health - a happy home life - a business or profession - a passion for growth - and the ambition to be of service to others. He or she could not get more out of life even if they had access to millions of dollars in the bank." -- Robert Ingersoll ]] 

WEALTH VEHICLES

Wealth VEHICLES - There are many different ways to create Wealth - BUSINESS OWNERSHIP is perhaps the finest way [as stated by guru, Robert Kiyosaki]. This does not include SELF EMPLOYMENT. Within the area of Business Ownership, we could look at - Brick & Mortar Businesses - Affiliate Marketing - Internet Marketing - Direct Sales - Intellectual Property - MLM//Network Marketing - Social Media Marketing - Membership Sites, etc.

Here, we're specializing on H-O-M-E Businesses.

What I [and many others] have discovered, after years of research, testing, experience, coaching others + having both successes and failures, is this => the INTERNET holds the greatest opportunity for us to succeed as "new-breed" Online entrepreneurs - and the Online ATTRACTION MARKETING business model is a preferred method - one that can reap high returns long term [more about this below].

But the "secret" is => when ONline Marketing is carefully "balanced" with OFFline Marketing strategies - we have a WIN-WIN. 

Now, when it comes to selecting the "best" Business Model for this => you'll see that this site focuses primarily on a 'combination' of Internet Marketing and Network Marketing ==> MLM//Inter-Network Marketing. 

Education-Based 'Relationship Marketing' - The kind of InterNetwork Marketing I'm talking about here embraces "education-based" Relationship Marketing - which in turn, comes from the beaultful, universal Law Of Attraction.  

In A Nutshell then - we are a group of like-minded business people who are focused on creating "leveraged residual income streams". This in turn leads to building Wealth from home, and reaching both TIME and FINANCIAL FREEDOM. 

Business Model - Again, the best one that I (we) have found thus far - despite its flaws - is InterNetwork Marketing. Not every company in this industry [that is "behind" these businesses] is the same. It is critically important that you "investigate" them and that you choose the "right" ones - because your protection, safety and success will be at stake. 

 

OWNERSHIP - But more importantly, unless you find a way to "position" yourself as a truly 'DIVERSIFIED' and 'INDEPENDENT' BUSINESS OWNER -through SELF Branding - with access to MULTIPLE INCOME STREAMS - you'll be vulnerable, and exposed to (preventable) RISKS. Too many today are simply positioning themselves as commissioned "Sales Reps" for these companies, where they have all the power, control and ownership - not the Rep. 

 

We are able to help you position yourself properly, regardless of what company[s] you may be associated with. 

  

MASTERING OUR

'PERSONAL' FINANCES

(From a Christian Perspective)

Further below on this page, we'll look at the WEALTH Rx - but let's zero in on something here first. All of the rules for achieving prosperity in our lives are critical, and well documented. However, before we can really achieve more Wealth and Abundance, we need to get a 'grip' on our Personal Finances. 

From a Christian Perspective - I do not consider myself a "religious" person, but I am certainly a spiritual person. Please know that the truth about MONEY and WEALTH is the same, regardless of race, color, creed, national origin, sex, age, marital status, disability or religion (including - Christians - Jews - Muslims - Buddhists - Hindus - Atheists and others). These Money and Wealth truths are UNIVERSAL.

 

I would like to share with you a wonderful eBook about PERSONAL FINANCE, written by Rob DeFoor, who happens to be a strong Christian. Although I might differ with him on a couple of issues, in my opinion, this Guide is beautifully written, with powerful messages - and it's based on solid Biblical Principles...

'Build Your Financial Foundation Today!' - A Guide to Eliminate Debt and Create Wealth' . It is a large eBook, so it make take a few seconds to fully download (well worth printing off and studying).

FREE 'Personal Finance' eBook // Resources => Click Here  =>  Click Here  =>  Click Here 

PLANNING for RETIREMENT

 

I emphasize the need for "balancing" our life, health and wealth. Obviously, the vast majority of us want to become more FINANCIALLY SECURE and SUCCESSFUL - to enjoy LESS STRESS - to RETIRE EARLY, etc.  Let's embrace a truth:

 

Reality Of RETIREMENT - Tragically, over ninety percent of the world's population retires below the poverty line. Over 90%!  Trying to find bona fide and attractive passive income ventures isn't easy, but it IS necessary for your long term financial health, because the 5-10% per year that you might be earning in your mutual funds, RRSP or 401K ain't gonna cut it when you decide you want to RETIRE some day, and get a rude awakening that you can't afford to.

 

One advantage you have by reading this, and being exposed to this information, is that I've made a lot of expensive mistakes that you don't have to. I've paved the way so you can get right into evaluating a handful of proven, time-tested opportunities that my team and I are already generating income from.

 

Quick FORMULA for Retirement?  Here's the reality - you do the math => Click Here

MY GOAL WITH THIS SITE

YES, we all want to - take care of our families - make more money - save taxes - eliminate debt - accumulate wealth - that's a given! :-)

But my true purpose in putting together this website is to paint a 'bigger' picture => to share information, ideas, tools and resources that offer a real possibility for you to achieve greater - TIME - FINANCIAL - HEALTH - SPIRITUAL Freedoms -- to build a BETTER WORLD -- a BETTER FUTURE - both for yourself and for your loved ones.

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NOT For Everyone- Right off the bat, let me say that the information you're about to read is NOT right for everyone. I might not know you personally (yet), but I'm reasonably certain you want something you don’t have now, and you'll get the most benefit if you fall into one of the following three groups: 

 

GROUP #1 - You're a newbie to the Internet//Home Business industry, and you're not sure about where to start. Or maybe you're tired of mediocre success in your current business of choice, and you're ready for a breakthrough year.

GROUP #2 - You're you an entrepreneur with a few success stories under your belt... yet, you want to work smarter and more efficiently, OR you've jumped from opportunity to opportunity, each time hoping things would get better... but things aren't better, are they? 
  
GROUP #3  - You're a successful Business Professional or Network//Internet//Affiliate Marketer, you've made (or are making) good money, but you're just burned out on the daily grind of the rat-race - or on prospecting, training, dealing with attrition, etc.and you're ready to get off the tread mill once and for all.

 

Still with me? Ok, let's go forward...

 

OVERVIEW - The way I've laid things out is - I'm going to first, give you a little background info on ME (who I am) - on some important business//financial principles, and how they affect what we do - and then, I'll share my current Business Portfolio and income programs with you... the same ones my team and I currently use to generate multiple six-figure incomes from the comfort of our homes.
  

So - it's time to turn off your cell phone, lock yourself up in a quiet room, grab your favorite beverage of choice, and read this entire page. By the way, you might want print it out for easier reading - just a suggestion.:-)  Ready? - Ok..

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                                     BUSINESS &

                       PROFESSIONAL BACKGROUND       

          

Professionally - I have been self-employed most of my adult life, as a Financial Advisor and Business Consultant. My private practice has spanned over 25 years now, with small Business Professionals and Associates, primarily in  the USA and Canada - and my specialty has been mostly with solo-practice Health Professionals (physicians, dentists, chiropractors, surgeons, etc). 

 

I like HELPING people - always did. In my practice, if I can map out a Plan for a client, to eliminate debt - and/or show them how to reach an early retirement - or a way to fund the cost for their children's higher education - without a painful sacrifice on their part - I receive great satisfaction.

 

Prior to this, and after school (Dalhousie University, Halifax, NS), I held different jobs, including a corp. position as Director of Training for a large International Insurance & Financial Services firm, headquartered in Montreal, Canada - and then went into the field as an Insurance & Estate Planning Consultant, where in Direct Sales, I was happilly able to qualify for the MDRT (Million Dollar Round Table) award + a number of nice trips, awards and other bonuses.

 

Home Business Industry - I am also a Home Biz Coach and the founder of a company that has worked with small business owners and professionals for many years - Business Achievers Academy (a division of The ARCOM Group, Inc).

 

Network Marketing - I became intrigued [but skeptical, at first] with the MLM//Network Marketing industry in 1986. Since then, as a Professional Network Marketer - I have seen the good, bad and ugly of this industry.

 

Our MLM Experience - My wife and I have been associated with many fine companies over these years (and some not so fine!). We have had successes and failures. We have had many caring and experienced upline leaders - and many who operated on greed and ego. We have seen corporate management teams that were drenched in integrity - and  others that were less than honorable, and dictatorial. We have been the victims of very a number of bad P&Ps (Policies & Procedures) and enjoyed a couple of 'associate-friendly' ones. You name it - we've been-there-done-that - the whole gammit.

 

Network Marketing is a business model that I respect, and that has many, many wonderful benefits to offer [but only if the business opportunity is carefully researched, and cautiously selected]. I now believe [finally!] - that I'm pretty well able to properly analyize and evaluate most Home Business ventures.

 

DRA - I will confess, I witness some of the horror stories out there as well - and there are many. The Distributor Rights Association - www.MLM-DRA.org - a global, non-profit body - acts to protect the rights and freedoms of Network Marketers everywhere. I am involved in a number of professional industry associations, including the DRA.

 

I'm also a member of the PANM (Professional Association for Network Marketing - www.PANM.org ) - and serve on the Advisory Board of OPRIUS - a Canadian firm that supplies the global Network Marketing industry with its comprehensive Data-Management Systems ( www.Oprius.com ).

               

PERSONAL &  FAMILY BACKGROUND

                                                             

Blessings - My lovely wife Mary Ann (an RN) and I have been happily married for 35+ years now. We live in beautiful Atlantic Canada [Nova Scotia]. We have been blessed with two exceptional sons, Stephen [a business owner/entrepreneur] and Graham [a teacher/coach] - both living in Toronto - both with University degrees. Graham is married to Yuko [from Japan] - Stephen is married to Stephanie [from Hong Kong]. We are SO proud of them all!

 

Born in Atlantic Canada - I was born in Saint John, province of New Brunswick. Mary Ann was born in Nova Scotia. I come from an average, middle-class background - Mary Ann the same.

 

During my young adult years, I made my way through several career choices. Guess you could say I was "looking for my niche" in life. I'm the second oldest of eight children. My Dad died when I was very young, and my Mom remarried a few years later. Atlantic Canada is a very beautiful part of the world - directly up the coastline from New York state, on the Atlantic ocean (cool breezes every evening :-)

Mary Ann's parents are deceased, and she is the oldest of four siblings. She is an RN, with specialties in palliative care and wound control - and as a result, "I" am well cared for!

Blind Date - Life experience has taught me that the universe will give us exactly what we attract - Mary Ann  and I met on a blind date (I always wanted to meet a 'blonde nurse'!) - and that date was arranged by a buddy of mine at our university, who dated [and later married] my date's girlfriend! :-)

 

Mary Ann is my sweetheart and closest friend on this planet. In the picture at the right, she is in beautiful Lunenburg, NS -where the senic coastline is dotted with sailboats, fishing vessels and yachts ==============================>
 
She has always been the anchor in our family, and a caring and supportive treasure to me and our sons.
 
We share similar philosophies about life and on many levels - spiritually, emotionally, physically, and more. We also share the same values - the same work ethic - many of the same goals. And above all, we both love to help others and have fun.

 

Adversities - Mary Ann and I have been through some tough times together too - financial (back when we were struggling to make ends meet) - a major legal battle (which I eventually won, after 5 long years, but at enormous cost) - some serious health issues, etc.

 

However - these have served to strengthen us, and now - with our highly automated business ventures, we are witnessing a blessing in our lives.

 

Interests / Hobbies - We both enjoy home-made wine! Our values are first, family, good friends, spiritual and personal growth. Mary Ann loves the water and swimming. Personally, I have interests in - golf - good books - James Bond movies - drawing (I used to be quite the artist, doing many canvass oil paintings!).

 

GOLF - This is perhaps the nicest, cleanest, most professional sport I know of. I have always loved it - the peaceful scenery that is associated with the golf course - the magnificant "green" landscapes - you name it. The sport is competitive, yet very friendly - there's a camaraderie between players that is rare in sport.

 

 

PETS - If you've ever owned a puppy like a Toy Poodle, you'll know what I mean when I say it's your own "child"! :-)  Mary Ann and I have had three different Toy Poodles now - but Mindy was our most memorable "baby". It was as though we had our two sons (Stephen and Graham) - but she was our little daughter.

 

Everybody loved her. Her intelligence was amazing - and her personality was memorable - spunky, bold, but loving. Her little bark was beautiful - her habits, adorable.

 

We adored Mindy - but after 14 memorable years - sadly, she finally left us. It was a painful time. What a terrible void. We miss her so much that we felt we didn't want to go 'through' that kind of loss again. We may relent on that at some point - only time will tell. Pet owners will relate.

 

Bio / Family - If you wish, you can see more info. here - meet my lovely family - view our Guestbook => Click Here

                                     

CAREER REALITIES / FINANCIAL EDUCATION 

 

As much as I enjoyed my previous work - both in corporate and in professional sales - it was LINEAR income. That meant - when I worked [or made sales, of investment//insurance planning products] - I got paid. On the other hand, when I didn't - I received NO income. The reality is - any Employee, or any Self-employed individual is in this exact position [including the solo-professionals I counsel]. Too many end up under severe pressure and/or face burnout. With my practice, I soon found out that all I really owned was a full-time job disguised as a business. And it "owned ME" - there were not enough hours in the week.

 

 

Cash Flow Quadrant - I was on the LEFT side of the Quadrant - the E (Employee) and the S (Self Employed) - as taught in Robert Kiyosaki's now famous book, the Cash Flow Quadrant - and need to consider moving to the RGHT side of the Quadrant - the B (Business ownership) and I (Investments) side - for the ultimate in wealth creation and financial freedom.

Otherwise, we are far too "vulnerable" - especially if we have only ONE source of income.

 

 

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Watch VIDEO - Kiyosaki discusses fully, the 'reasons' for us to move to the RIGHT side of the Quadrant - exploring Big Business + Investments. But he also opens the door to how average people can accomplish this - with top-tier Direct Sales + Networking Marketing businesses as well, run from home, conveniently and privately, to create passive income and build wealth (12-Min // Vol on) => Click HERE

 

Kiyosaki says - "if you want long term financial success and complete control over your life, you need to "own a business" - one that runs itself, and makes money even when you're not there. The richest people in the world build networks. Everyone else is trained to look for work.

 

Building your own business is the best way to become rich. After you have built your business[es], and you have strong cash flow, then you can begin investing in other assets. Learn to have money work for you, rather than you work for money" ( http://www.RichDad.com ).

 

Owning a BUSINESS - Please keep in mind that 'nothing' - not personal real estate - not the stock market - not gold - rare art - coins - stamp collections - vintage autos - family heirlooms - nothing has brought financial independence to as many people as has business ownership.

 

Major KEY - The late oil billionaire, J.Paul Getty put it this way -- "You will never have financial security, or build real wealth, working for someone else." He went on to explain that we 'must' do 5 things to achieve complete economic independence, as follows -- (1)- we must be in business for ourselves -- (2)- we must market 'consumable' products and services, that appeal to the masses -- (3)- we must offer excellent service and solid guarantees -- (4)- we must give affordable and competitive pricing -- and most importantly, (5)- we must build our 'own' success upon the success of 'others' (leverage // residual income).

 

Trump & Kiyosaki say - See what both Donald Trump and Robert Kiyosaki say about using the NETWORK MARKETING model for building a successful Home Business venture - click ( www.WhyNWMHomeBiz.com ).

 

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What About SELF EMPLOYMENT? - Yes, as attractive as Self Employment may be (and it can be) - it is still "trading HOURS for DOLLARS" - "TIME for MONEY". You do the work - you get paid. There is usually little or NO ((passive)) income - let alone 'multiple' streams of diversified income.  
 

The Self Employed must continue to BE there [working] to create their incomes. Many have what they believe are magnificant and satisfying chosen careers - and that's wonderful. BUT when they get sick - or are in an accident - or get shut down - or go on vacation - or are sleeping - their income basically STOPS. Many make very large incomes, but many also have expensive lifestyles, max out their credit cards, owe high taxes, face heavy workloads.

 

Health Care Professionals - In particular, this sector of the Self Employed gets hit very hard. I know, because these are the clients I have specialized with in my private practice. Our physicians, dentists, chiropractors, surgeons, veterinarians, naturopaths are among the hardest working professionals in North American society. Most often, they take better care of their patients than they do of themselves. Not only does the above paragraph apply to them too - but, with more and more Government interference / regulations - with soaring costs of malpractice insurance - and with increasing lawsuits - more than ever, they need to be creating extra "passive" income streams.  

 

Bottom Line - Given the above, I too, I realized that I needed to "diversify". I couldn't work for anyone else - so being my own boss was the only logical choice for me - BUT - it had to be through "business ownership" (and of the right kinds) - and I knew I would have to 'position' myself intelligently to maximize my own future success.

                 

PASSIVE INCOME STREAMS - ONLINE

 

Linear -vs- Passive - The message was clear - I was going to either supplement - or replace - my "linear" income, with "passive" income sources. So since about 1995, I've been earning a full-time income Online, mostly within the Network Marketing // Internet-Affiliate Marketing // Direct Sales industries - but now - wherever possible - I tend to focus primarily on those 'passive income' ventures, where the usual issues like recruiting and advertising to make money are strictly optional and not required.

 

In order to accomplish this, I decided to educate myself and find out how to LEVERAGE my time and money using the Internet.

 

We are enjoying an incredible sense of security, peace of mind and time-freedom because of this - as we are now creating multiple streams of passive income - from different sources. That way, if any of  'em dry up, it's no big deal - we're still able to pay the bills - feed ourselves - and much more!  

              

There is no magic to what I [or my team] do - or what we're accomplishing. I [we] just keep an open mind, continue to get educated, and try lots of things. Some work out - some don't. Success is not counted by how high we've climbed, but by how many people we brought with us.

Helping others achieve financial success is my personal and business mission.

After being involved in many different Home Based Businesses over the years, and eventually going on to make a multiple six-figure income, I I've realized how important it is to align yourself with the right people and team.   And on that note, I feel very fortunate to have met Peter Arnold, and to be working directly with him.   As a leader, he's genuinely concerned about the success of others, and with over 20 years of experience in the Home Business industry, he knows what it takes to make a substantial income without having to chase family and friends, buy leads or cold-call people.   So if you're serious about making great money using rejection-free methods, while having fun, then be sure to partner with Peter, because it'll be one of the best decisions you’ll ever make.   Brad Weinman // CA Author / Coach / Mentor CEO / Synergy Global Ventures Inc.

Meeting and working with Peter Arnold these last few years has been a pleasure.   Peter and I met Online, thru Forums and an interesting mentoring group where we learned much about 'Color [Personality] Training' and copyriting together.   He has to be one of the kindest and most giving people I've ever met. Pay close attention and he'll bless your life too.   More than just a caring and responsive mentor, Peter has been someone I can count on to tell me the truth and give me wise counsel in both my business and personal life -- something that's hard to find these days.    Thank you Peter, for being you! Andrea Goodsaid // FL  Business Owner / Coach www.AndreaGoodsaid.typepad.com

Integrity, honesty, empathy, trustworthy, ethical, selfless, expert, respect, professional, experienced, selfless, caring, giving.... all are words you find in Websters dictionary.    But they are also words that help describe Peter Arnold. Although this list is just a feeble start at painting a very special person.   No matter what your relationship with Peter... personal or business... you are immediately impressed by his open and genuine nature.    Peter is sincerely dedicated to serving others.... helping in any way he can.    His professional advice is gold... his personal friendship is priceless. Those lucky enough to have any kind of relationship with Peter are truly blessed.    Peter is the real deal... the world needs more like him in all walks of life.   Michael Lemm // VA Founder / FreedomFire Communications "Helping YOUR Business....... DO Business"

I have had the pleasure of working with Peter Arnold in a few business investments and he is an absolute delight to work with!    Peter is very smart, efficient and thorough.    You can trust Peter to always stay in integrity with everything he does.     He will truly care more about you and making sure whatever project you may do with him is a win-win for all concerned.    I highly recommend Peter Arnold and his services.   Suzanne Kirkland Kincaid // WA Author / Financial Freedom on $1 a Day  Creator / InVeStworks - http://www.InVeStworks.net Founder / Universal Peace & Prosperity Foundation

I have known Peter and Mary Ann Arnold for a several years.   Even though we met Online, I can honestly say that I would trust Peter with my life.    Online friendships like him are hard to find. His integrity and honesty are always evident. I have great respect for his personal, family and business values.  Not only does Peter have a very successful consulting business, he is an experienced professional leader in the Network Marketing industry.    I have had the privilege of partnering with him in a couple of business ventures.   It is indeed an honor to call Peter Arnold my friend.   Les Conner // OK Business Owner / IT Manager

I've had the great pleasure of knowing Peter Arnold for several years, and I know him to be a person of the highest integrity, with an abundance of expertise in many arenas, including the home-based business industry.    I have personally sought Peter's advice, and have first-hand appreciation of his dedication and service to others.   Peter is the epitome of professionalism and leadership, and his level of commitment is unparalleled.   I wholeheartedly endorse Peter Arnold, and I feel privileged to call him my friend.   Wendy d'Entremont // NS, Canada Business Owner / Home Biz Coach

I have known Peter Arnold for eight+ years now.   His compassionate and caring nature, coupled with his knowledge and integrity, make him a superb business partner.   Above all, Peter is genuine; he truly cares about people; he does not compromise values.   He is a valiant coach, one with a servant's heart.   Arlene Graham, Bs // MO  Medical Technologist (ASCP)

I've known Peter Arnold for more years than I can remember, and I feel privileged to call him a friend. Peter is one of the few people under the home business umbrella that I would recommend wholeheartedly.   He not only has one of the sharpest business minds, but truly has the other person's best interest at heart. Always.   This is a combination that is not often found in this industry. Peter gets 10 stars out of 10 in my book! Debbi Bressler // FL  Publisher / Business Coach http://www.ProfitCoaches.com http://www.TheHomeBusinessReview.com