I’ve discovered that being offline has its advantages.

Who knew?

It’s not that I miss being online, but the online world is so much different than the real world. There’s something about people hiding behind a keyboard that turns them into these egoistical maniacs and know it all’s. They can check in and check out on a moment’s notice covering a vast amount of cyber space without having to back up or support anything they say or do. There’s little to no responsibility or consequences to contend with in this vast expansion of bits and bytes.

Life – or the real world – has a completely different set of rules and consequences attached to it. There’s a level of accountability that you just can’t hide from offline. Online, it’s nothin’ to “talk the talk” – but if you don’t know how to “walk the walk” offline I would imagine you’ll find yourself in very compromising and uncomfortable positions in what I can only categorize as bizarre and irrational perceptions.

Offline, you also have the opportunity to kick the tires so to speak. A chance to look someone directly in the eye and ask the pointed questions. Instead of just the written word as a response, you can collect and record someone’s vocal tone, body language, and whether or not they can look you in the eye when they respond to questions you ask.

One of the things I’ve never been able to grasp are these folks who get all riled up over people they’ve never met, or even talked to. They form these opinions and illusions based on a perception that’s disconnected and incomplete. It’s a major reason why I’ve never given credibility to people who have some dysfunctional disdain about me. They simply can’t form a complete picture or accurate opinion about who I am and what I stand for without actually meeting me face to face.

Those that have actually met me have a completely different attitude and perception from what I’ve read here in cyberspace. Remarkably, it would completely contradict the crap I’ve read about who I am and what I do from the cowards who have never personally come in contact with yours truly.

Likewise, the cowards who spend hours yammering on the Internet attempting to shame and slander the YTB Founders, Coach, Scott, and Kim have never had an opportunity to come face to face with their nemesis either. About the closest anyone has gotten, was going to an opportunity meeting incognito. While they happened to be in the same room, there was never any real dialog because one was standing in front of the room in plain sight, while the other was hiding in the back of the room among a large crowd of faces. The result was about as effective as watching a presentation via streaming video.

Several years ago, another clown was in Florida to check out Funshine. Instead of spending time with the people there, he took pictures of cars in the parking lot. Then while the owners of the cars were in training classes, he sneaked in to take pictures of the empty hallways. If I remember correctly, the pictures of empty hallways were to prove that nobody was there. (Apparently, the owners of the cars left without their preferred form of transportation.)

But alas, it did give the cowards an opportunity to say “I was there” in an attempt to add credibility and confirm their already twisted views and perceptions.

I had an opportunity myself to check out another well known “industry scammer” on the Internet about a year and a half ago. Part of the reason I went to this meeting was to see if the speculation and perceptions online matched what I saw with my own eyes. As it turned out, I had an opportunity to shake hands and introduce myself to this so called “scammer” and actually brought up the fact that they were so well known in the cyber world.

This one very pointed question opened up a rather lengthy dialog over several conversations. The contrast over what I had read and what I had gathered on my own was astounding. I had also gathered information on the cowards who were so head strong at pointing the finger at this guy. What I found out made me realize the cowards themselves had three more fingers pointing at them. In other words, these so called critics who were trying to save everybody from being scammed actually had more problems and blemished of their own that I could only conclude that the ranting and raving they were doing was nothing more than a deflection technique to make themselves feel better about their own miserable existence.

Look – I’ve said it before, and I’ll say it again.

Don’t believe a word I say – unless you can verify on your own to be true.

You don’t have to agree with me – but you do have to do a little more than read and post on message boards and blogs to form a legitimate and accurate perception of what’s going on. These clowns who only lift a finger to do a Google search on the internet to find opinions and perceptions that match their own illusions are a complete joke.

Instead, find somebody who has some real world experience and is capable (or at least willing) to show up in person for a face to face.

Online is a great place for introductions and connections. It’s capable of doing a lot and expanding your influence. However, if you’re not willing to unplug and venture out into the real world – you’re simply not going to get very far. You’ll quickly find yourself without any real knowledge, experience, or credibility.

While online can be great and it has its advantages – don’t mistake the online world as the real world or life experience. In order to grasp what’s really going on the only place to do that is offline.

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They simply find the people who are ready for them.

As I sit here on the eve of another YTB / ZamZuu National Convention in St. Louis, I’m astounded how this company has changed my life to look for opportunity. How it’s prepared and molded my mind for business success. I’ve now overcome the fear of the word “no”, and in that same vein – it’s helped me help others who were willing and open to opportunity themselves.

Not everyone has taken advantage of the opportunities presented to them. I think it was Edison who said “Opportunity is missed by most people because it is dressed in overalls and looks like work.” There’s a reason why the word “work” is placed in this industry we call Net”work” Marketing.

If you really study the MLM model, and become a student of the industry you’ll find that this model instills a work ethic and business savvy that you won’t find in any school. It lays a foundation of real – practical business principles and practices that you just can’t find anywhere else.

That being said – I realize that there are so called “experts” out there who will attempt to argue the points I’ve laid claim to above. You (and they) know the ones that I’m talking about. The obnoxious loud mouths who believe they know better than we do – who have it all figured out. Keep in mind that these are the same jerks who warned everyone three years ago that YTB was going to be shut down by the California Attorney General on the eve of the 2008 National Convention. Their experience has taught them that a company that finds themselves in the midst of a $25 million lawsuit will fold like a wet noodle.

I’ve seen instances of companies actually crumbling for far less money and vicious accusations or monetary compensation – but then again, the examples I can recall are traditional business models – not Network Marketing companies.

Companies like Amway, Herbalife, PrePaid Legal, USANA, NuSkin, and YTB have all been victimized by lawsuits claiming they’re some sort of scam and survived because these so called “experts” who get their little panties in a wad aren’t the business minds, or protectors of industry and justice they claim to be. At most, they’re opportunists themselves who take advantage of people’s fears and insecurity instead of instilling rational and logical thinking. It’s simply a chance for them to grab the spotlight and make themselves feel important.

There’s an ancient Chinese proverb I saw just the other day. “Those people who judge a books by their covers…..have difficulty reading!” When it comes to my experience with YTB and critics, that’s about as close to reality as it comes. With some of the outlandish, bizarre and irrational statements I’ve seen over the years surrounding not only MLM but YTB specifically by these people, that proverb pretty much nails it.

Something else I’ve learned over the years about these “experts”. When it comes to owning up to mistakes, inaccurate speculation, or just plain lies – they’re cowards. Actually, their mind, (more accurately “ego”) won’t allow them to admit they might be wrong. This perception they have is the only thing they have to hang on too.

Let me give you an example.

Last week, I was talking with one of our Directors about the once infamous John Frenaye. If there’s anyone who’s fallen prey to speculation and rumors it’s John. The guy would fall for just about anything posted on the internet as “truth” or “fact” if it has a negative ring to it. Even when there nothing there, he’ll manage to create it just to grab some attention. You can only imagine how “excited” John must have been when word of the California lawsuit was announced the night before the 2008 Convention. You’d think the simple filling of this suit meant it was a done deal the way he sensationalized the cover of this suit.

But those of us who went beyond the simple cover, and actually read the verbiage and actually comprehend our business had a completely different take. So much so, that this Director made a bet with Mr. Frenaye.

Sometime after the suit was filed, the two made this gentlemen’s bet. If the suit was indeed accurate, John would get what he wanted. The total and complete illumination of a so called pariah in an industry he actually doesn’t own but merely works in.

If however the suit wasn’t successful in shutting down YTB like Jerry Brown boldly proclaimed he could do – there would be a public apology by John at the next National Convention in St. Louis.

While there was an attempt to make some sort of assurances that John would keep his word on this – according to the account of the Director who made this bet – John’s enormous ego wouldn’t permit him to even speculate any possibility that YTB could survive the cover of the claim.

The National Convention in St. Louis this week will be the third since the suit was first announced in 2008. Along the way there was a $100 Million Class Action filed which has been thrown out of court more times than a cat has lives, and another suit filed by the Illinois Attorney General that honestly just sat there collecting dust for two years before it quietly went away.

John being the gullible and clueless soul that he is obviously took the bet. In his mind – the cover matched his perception, and there was just no way on God’s green earth that he’d ever have to muster up any type of apology with these kind of stakes stacked up against a bunch of lowly MLM Yahoos.

Now I can understand the absence of a full-fledged apology in 2009. While John had certainly speculated that bankruptcy or the YTB Founders riding off into the sunset with everyone’s money was an absolute certainty by the time we all got together in St. Louis at the time, none of the facts about our model had really come to light a year later. Nor were any of the suits either settled or thrown out of court outright.

I’ll even let 2010 slide. He was after all holding on to a thread of hope that the laws as they’re currently written in Illinois would magically change or be re-written in his favor.

However, it’s now 2011 and all three suits have either been settled both legally and monetarily or been pummeled to death by the court system as being “redundant, immaterial, impertinent, or scandalous matter”.

So that begs a very serious question. Could this be the year that YTB gets the apology from this once infamous critic who now finds himself on the wrong end of this bet?

Honestly, I doubt it. Cowards like John and the other critics who have quietly removed themselves from the soap boxes they once stood on just don’t have it in them. The opportunity to correct the years of slander, malicious abuse and misleading information posted on No Travel MLMs will never go away.

Unfortunately, I don’t see John being ready. A far better alternative is to just quietly fade away like he has. However, because YTB will continue to hold National Conventions like the one this week in St. Louis – the opportunity for him to man up and do so will never go away. ;-P

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Back in 2008 I wrote my first e-Book and boy was it a huge hit! At the time it was released to the public, there was a massive backlash going on in the travel industry concerning YTB’s rapid growth and clear signs of success. Travel Agents, already beaten and downtrodden by the Airline industry and online booking engines saw a virtually unknown Network Marketing company explode and take hold in the industry. And it scared the living daylights out of them.

The book entitled “What The Critics Know About YTB” was in reality an April Fools joke with a very distinct message. What made it both a joke and message to anyone who obtained a copy, was the book had nothing written in it. Yep, 100 blank pages. Even more comical – those who didn’t get it at first responded with – “There’s nothing past the first chapter?”

I still have this book and story of how it came about in my auto responder series to help new members of YTB and ZamZuu understand just who these people are and how their own fear and anger prompts the attacks of our fine company and our people.

Tomorrow marks the three year anniversary of this blockbuster e-book. (I’d like to call it a “Best Seller” but it was never actually for sale.) While we are three years removed from the vast majority of the drama that was conjured up by critics and detractors, to this day there remains one lone fool who still fits the mold of my brand of “critic”.

Probably the most difficult aspect when dealing with critics that I’ve had to overcome is they never really learn anything new. Heck, I’ve seen cases were they never even admit to making mistakes. It’s a level of arrogance I still don’t understand, but have come to accept. While I still find them irrational and incredibly dysfunctional, after three years of fighting tooth and nail to justify themselves and their position – they’ve become extremely silly in the way they think and act. Which made the April Fools date perfect for an e-book like mine.

When I saw the news about the sale of the Home Office and the money that was proposed – the very first thing that came to mind was “This is really going to tick someone off.” Even fools realize that several million dollars would be beneficial to anyone receiving it. You need to understand however that a clock has been ticking since late 2007 to 2008 with dreams of our company going belly up. While I barely see most of these Zealots around any longer, several were adamant that the company wouldn’t survive past 2009. (They don’t want to be reminded, so it was much easier to just fade away I guess.)

Not my boy John however, he’s fighting to the death. (Preferably ours in his case.)

The Class Action filed against YTB has been a perfect example of how people just won’t learn. It possess a brand of arrogance that they’re views are the only ones that are right no matter who or what you represent.

The Courts have not only dismissed this case a half dozen times, it’s referred to as nothing more than a “glorified fishing expedition” by the Courts. Other descriptions from the Courts include “redundant, immaterial, impertinent, or scandalous matter“. Yet these fools have been pummeled by the very system they beg too more times than I want to remember – returning for more punishment. They’re currently appealing one of the six rulings against them. Oh, and they tried to file in State Court with essentially the same line of bull they’ve always used – and SURPRISE! The state court rejected the complaint and removed it to Federal Court where motions to dismiss the suit are currently on the docket for these Zealots yet again.

I mean good Lord – when might you call a dog a dog instead of a cat with nine lives? This is exactly the kind of stupidity that makes me think these people are insane. They keep regurgitating the same line over and over and over again – hoping, dreaming, wishing, praying that they’ll get a different result the next go around.

For the record, and I know this to be true in California – and suspect all courts in Illinois carry the same tune – the Courts really didn’t care to waste their time with the Attorney Generals complaints either. I’ve actually seen the head critic spin this as YTB wanting to settle the one remaining case in Illinois with Lisa Madigan. Truth is, it was Madigan’s Office who offered not the other way around. However, unlike arrogant critics, YTB is working with the office to help resolve wording so everyone (well, maybe not everyone) has an understanding of what they are purchasing and what’s actually free.

Not sure, but I suspect the Z-Kit was a result of these negotiations since some people didn’t perceive the “booking engine” as an actual product. (Booking engines are products you buy for a traditional business like Nexion, or Cruise Ship Centers, but not for MLM I guess.) The Z-Kit is the kind of product that’s more in line with traditional Network Marketing because you have something you can actually touch.

But just because you have something simple and straight forward- there’s always going to be that lone fool who’s going to make it look like MLM has is doing something wrong.

Case in point – a blurb I found while reading about the YTB 2010 Annual Report:

YTB/ZamZuu makes a ton of money off of the people that attend the convention. The revenue for the 2010 convention was $322,000. (Page 16) and the expenses were $457,000 (Page 17). So if you do the math that means that the gross income from the convention was $779,000. At $199 to attend, that puts attendance in the area of 3,900. A number YTB did not disclose. But, it is clear that for every person who attended the convention, more than $80 went directly to YTB’s bottom line. That is a 41% commission YTB earned on this event! Most companies tend to make their events affordable. Yes, most make money, but most don’t gouge.

See how that works? Only in MLM can you add revenue and expenses together so the company gouges it’s members. Last I heard (from my 9 year old daughter no less) you add revenue and subtract expenses. And because he’s the only one who can be right – he uses this new “fact” he’s dreamed up (sorry make that “uncovered’) to fuel even more anger and resentment towards the company. And you better believe he’ll warn the YTB faithful this summer that YTB will make a sweet 41% profit margin on the gullible who attend this year.

Makes you wonder just who the gullible one is now doesn’t it?

There were several other numbers in this report that mysteriously couldn’t be found in the actual SEC Filing. I have no clue where they came from honestly – he was (in his own words) “taking a good guess”, and “extrapolating a bit more” than anyone really needed to. But that’s just John being John. Playing the “expert” and words like “extrapolating” make you sound a lot smarter than you really are.

By the way – I think “extrapolating” means “make it up”. He’s never considered the hundreds of millions in travel the company has sold as the focus. The $25 million sold on the “recruiting” side somehow equals more than the $252 million sold on the “travel” side. Again, “gross sales” has always been replaced with “net income” for travel so they can focus on what they fear most – recruiting.

Oh and one more thing before I go. What guy prices out purses and girdles? From what this fool says, both Gina Alexander and Ghiada are overpriced? Is there another fixation other than MLM that we don’t know about?

I just find it odd that he knows so much about women’s apparel and garments.

Or is it just another case of a train wreck pretending to be some sort of expert?

Ah well, the charade continues as “Life According to The Almighty John W. Frenaye”. I have to admit, his escapades and illusions have provided some great content for this site over the years. With the way he bumbles and stumbles with outlandish speculation and absurdly bizarre perceptions it’s actually been fun. (I do enjoy slamming the poor guy.)

With the anniversary of my e-book, and one of the better April Fools jokes I’ve played, I suppose I should thank him for the all the content and for still being the biggest fool I know.

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Three years ago, YTB’s most famous cynic came bursting onto this blog with the mission to tell me – you, and anyone else who could stomach it – that MLM and Travel was a bad mix. When John Frenaye landed here, it took a nanosecond to figure out how this guy ticked. It’s a very standard and predictable M.O. that works by categorizing, separating, hiding, judging, condemning, attacking and rejecting.

Today, the name John Frenaye is synonymous with Anti-YTB after three years of rants and obsessive – compulsive behavior. Daily life consists of prowling the Internet for any tid-bit or morsel of food that can be reworked or rearranged and thrown back out in an attempt to justify his radical cause. His obsession has also compelled him to join every Facebook Fan page YTB or ZamZuu has – opting in under various aliases on several YTB newsletters (including ours), and even joining YTB a few years ago as a free “Rep” just to gain access to company information and communication to rework and refine with his own twist in an effort to satisfy his immense appetite over YTB.

Proper etiquette, rules or boundaries have little place for someone who needs to feed a powerful addiction. Nor is there any room for reasoning or solution based alternatives. All “pro” statements that don’t conform to the “Frenaye Creed” are quickly met with a direct rebuttal or even better – an abrupt and public reprimand. Many have described his uncompromising behavior cult like.

John is personally responsible for spreading his “creed” to every available board, forum, and blog, promoting his radical thinking and perceptions. Always watching – always monitoring the vast amount of communication and sites about YTB, just as soon as there’s a comment to support YTB – you can bet that John will be there to distract everyone from the topic at hand to trash the model, company, Founders and members.

After years of incessant rants – about the only option anyone has these days is the “ignore feature” found on these forms and boards to protect your computer (or your mind) from being infected. I have very little knowledge or care about what he’s writing these days, but there’s only one person I can think of that fits this description:

“Obviously, from your blog you will spin anything to the negative against this company. Some of it may be for good reason…some of it seems like an old crazy girlfriend I dated in high school.”

What’s also obvious is that John’s reputation precedes him.

While I’m years removed from the confines of alcoholism, I remember what it’s like to be consumed by addiction. How the compulsion controls every aspect of your life. True, to outsiders who see the daily rants, it looks to be bizarre and dysfunctional. For John however, life feels quite normal – even “right” because it’s so routine.

His own blog throughout the years, has been the home port to spew all that’s wrong with YTB. He’s prided himself on an open blog forum that allows all views and positions. A few months back however, his open blog forum policy was drastically changed and comments have since been shut down – completely.

The only views expressed or allowed are those of the owner now. Mind you, it’s no big loss. In fact – I applaud the disposal of daily rants and trash talking designed to keep emotions, rumors and fear at a frenzy level.

However, when I heard about the excuse in this thread (sorry, no direct link because Ainsworth is also on “ignore”) – I couldn’t help but think how John has deceived his own flock. Has John told his followers that someone was attacking his kids on Facebook?

Mind you, I would agree that would certainly be enough to scare any parent. (This one included.) If that were truly the case, I’d even feel applauded over John’s situation. It’s just not right – and if I find documented proof this is the case – beware.

Truth is however, from what I know about the comments made on his blog – they weren’t about his children at all – but about John and his personal failures as a young adult and travel professional. After all the years of poking and prying into everyone else’s lives and publicly posting them on his blog, someone has finally had enough and exposed the real John Frenaye and his less the perfect behavior and past on this site.

Several members of YTB have known about John’s troubles for some time, including me – but nobody has stooped to this level before. I’ve been asked on several occasions to post these findings in the hope it would turn the tables against John. Some have even speculated that it would shut him up.

About all it would do for sure would provoke more anger and resentment. John’s clearly not able to look at himself or his views as anything less than admirable and above reproach. With John’s bizarre behavior and ridiculous spin over the years, I’ve really never seen the need to add this information into the mix. In my opinion, the documentation provided here related to YTB would conclude this guy isn’t playing a full deck.

Some may consider this new blog unfair or underhanded.

If that’s the case, would it be underhanded for John to purchase “thefactsaboutytb.NET” to link to his blog? Would it be considered unfair that John also created a “Zam (space) Zuu” fan page to mock and poke fun at the name, our members and our Founders? Would it be considered a personal attack that John posted a link to a news story similar to the one about him surrounding one of our Directors? How ’bout posting personal bankruptcy findings?

John’s been guilty of all these offensive and abusive actions over the years. Frankly, I’m somewhat surprised it took this long for it to show up in cyberspace. When you play with this kind of fire, you’re bound to get burned sooner or later.

With that said – I have no idea if John’s going to wise up or straighten up. It’s not my place – and I’m completely powerless in helping him at this point. The only person that can help John is John – that much I do know.

My hope however, is this information will help you let go and move on like I have. John’s perception of YTB is similar to telling me the sky is purple. Rant all you want about it – it’s not going to change the color from blue to purple simply because you yell louder than I do – or make believe you know any more than I do.

That charade ended the second he barged in here and he opened up his mouth.

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You best stay out of the kitchen.

Being one of the more visible YTB blogs on the internet, I have my share of readership. Most readers are supporters and enjoy my insight and information about our company.

I also have my share of detractors. Some I would safely say detest my existence for one reason or another. If you’re in the public eye, you can’t be everything to everybody and there will always be those who don’t agree with you. What makes my sort of activity and exposure dangerous is when emotions enter into the mix.

Emotions have too many variables. You can’t expect emotions to remain constant over time or from one person to another. Each individual perceives and reacts to each situation differently. Logic and facts however always have a base or a core that remain constant. One of the things we’re finding through our journey together with YTB is that the facts of our business model are able to withstand the misconception, half-truths, and lies that we see from those who use perceptions and opinions as their core defense.

As expected, John Frenaye took exception to my article on Friday and boldly laid claim that I’m the one who “spins”. He added that his blog was more “legitimate” and his was the only viable option where people had to ability to “judge for themselves”.

He’s also a tad upset at what he’s deemed a “personal attack” and eventually, “my lies” will catch up with me.

My – my – my. How easy it is to dish it out.

It’s interesting to me how quickly this group pulls the “personal attack” card when challenged. I’m not sure if they think they’re too pure, or we’re to take pity and look the other way when their blatant misrepresentations about our people, our Founders and our company are created by their hands. I hate to break it to this group – but they leave some enormous “stinkers” out there on the web. Their activities have left some laughing, and others appalled. We DO know right from wrong, ethical from unethical, what is morally right and what’s morally bankrupt.

To illustrate how bold and brazen John has become over the years, we’ll reference one of the most legitimate and honorable sources I know – our court system. What was forwarded to me last week clearly illustrates why our Home Office made the decision to turn down his requested interviews and why others have come to the conclusion that John can’t be trusted to “report” anything concerning YTB in an unbiased or accurate manor.

Case in point: This was written by John last week on his blog:

Of course, back in August of 2009, we reported on the story where Coach had a ramshackle home and was able to convince a church to make the repairs in return for a lease. But Coach reneged on the lease and got his home fixed for free.

I don’t know about you, but I wouldn’t call his post entitled “Once Upon a Time” an actual “report” but ironically – a “Fairy Tale”. If you strip away John’s “report” and look at the court documents which are linked in the word “TRUTH” it reveals John’s elaborate web of deception – not Coach’s.

Yes – John’s the one deceiving the flock – pouring Kool-Aid if you will. The “truth” shows that Coach and Chris “donated” the parcel in question to the church for a Minister and his family use as a parsonage. More troublesome; the word “lease” never even appears in the actual court documents, although conveniently inserted by John in his – “report”.

True, the home needed electrical upgrades to meet code, and a gas furnace needed to be converted to propane. There was never any lease however, and Coach and Chris never received a penny for their generous donation to the Church and its family. Consequently, the court concluded:

“the parcel here in issue and the house thereon qualified for exemption during all of the 1998-assessment year either because it was in the process of adaptation for exempt use or because it was actually used by the Church as a parsonage for Rev. Casey.”

I know I’m going out on a limb, but you be the judge here. Which do you find more “legitimate”? John’s “Once Upon A Time” fairy tale – or – documentation from “The State of Illinois“?

What’s so astounding to me, is the man doesn’t appear to understand how anyone could possibly question his “reporting” as wrong or even inappropriate. To question anything he says or does is challenged with a very coy rebuttal and continued claims that HE is the most fair and unbiased source concerning YTB in the land. According to John, he’s proven how Coach has a long history of deception and he’s proud that his flock agrees that Coach should be thrown in jail for doing what he did to this church.

And yes, that type of arrogance is frustrating – even for me.

We can’t forget another court ruling regarding YTB’s business model and claims of an elaborate pyramid scheme that wasn’t just dismissed but tossed out as “redundant, immaterial, impertinent, or scandalous matter“. Again we find John and others on the wrong end of an argument calling the absurd complaint “powerful”.

Here’s how the Honorable Judge Murphy described the complaint:

“The First Amended Consolidated Complaint, filed July 15, 2009, is an ungainly monster of 39 pages containing 133 paragraphs (many of which have subparagraphs) that likely does not pass muster under the familiar federal “notice pleading” standard.”

True to form, John “disagrees” with the court’s ruling, and makes no apologies for his position or opinions. John falls right in line with the type of hideous and outrageous accusations Counsel tried to pull in its second go around, after the first complaint was dismissed. Their answer to the problem – a bolder, more brazen attack.

So which do you find more legitimate? John’s statement, or Judge Murphy?

From John’s point of view, it’s YTB that is “crafty” and “sly”. The only reason why YTB is still around is due to changing our model or living on the very edge of the law. Regardless how much change or how close we “appear” to be, it’s still the right side of the law. YTB’s model has never required “payment for the opportunity to recruit others” from day one. You may not agree with that – you may not understand that – and you may never accept that. But because yours is only “opinion” and not “fact” – you do have to continue to deal with YTB.

Finally, John recently found out that the law is the law, and everyone (including him) must abide regardless of opinions or perceptions. The creation of a fake Zam Zuu fan page to mock and poke fun at our company violated ZamZuu’s trademark causing a confusing similarity. His defense – a space between “Zam” and “Zuu”. (And no, I’m not kidding.)

John, you don’t just stink – you absolutely reek of lies, deceit and a perception that the laws of this land simply don’t apply to you. It’s a double standard that I will not turn away from and I will not make any apologies for in calling you out. We all make mistakes (even me) but there comes a time when you have to stop blaming others or being a victim and take personal responsibility for your own actions.

You are in the public eye and there will be those who will disagree and oppose you. There will also be those who will hold you accountable for your actions. If you don’t like it, either toughen up or stop what you’re doing and go back into hiding.

As it stands right now – you have proven to me, our company, and several outsiders who have no beef one way or another with YTB that you should not be trusted due to your attitude and your actions documented above.

For every action, there is a reaction. So if you don’t like my reaction, stop acting the way you are!

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I’m not a fan of “Big Government”. I believe in capitalism, self-reliance, personal responsibility and that everyone needs to carry their own weight. That being said, there are instances that arise where Government intervention is not only necessary, but needed in order to stop greed and consumer fraud. One of those instances is the Banking and Credit industry.

Yesterday, the first phase of the Credit Card Accountability Responsibility and Disclosure Act went into effect. Credit card companies are notorious for holding payments until after the due date, jacking up interest rates, and changing terms and conditions without much written notice at all. If you’re unfortunate enough to have just one of these creditors “hold your payment” until after the due date, it starts a snowball effect where the rest of the creditors follow suit in raising rates. Before long, responsible consumers and users are in over their head with no feasible way out. I found the top five tricks used by credit card companies in this Fox 5 news report here that exposed their tactics.

Because this has been such a large problem affecting hundreds of thousands of consumers across the entire industry new legislation was signed back in May by President Obama. The first phase went into affect yesterday to protect consumers and keep the banks from pulling these underhanded stunts. (Video to the left) The second phase of the act will complete the reform in February 2010, preventing these tactics and placing the power back to the consumer.

While the new Accountability Responsibility and Disclosure Act has been big news this past year it’s only half the story of the injustice perpetrated by credit card companies and credit collectors. Creditors and collectors get even more brazen with even more consumer fraud, deceptive trade practices, and false advertising when you attempt to stand up and fight the deplorable tactics now corrected by the new legislation.

In the past, one of the fist things that happens when you decide to dispute a charge, an interest rate, or one of the many fees is a letter from a credit collector, (in our case Mann Bracken) to submit your case to an “impartial, independent and neutral administrator of arbitration proceedings”. The mission of the NAF (National Arbitration Forum) is as follows:

“Alternative dispute resolution (ADR) is a more efficient, predictable and amicable way to resolve conflicts and achieve legal decisions without the expense and inconvenience of going to court.”

Ronda and I have personally experienced this process, but found the entire proceeding a complete sham. What ADR does is find in favor of the Defendant (the bank) 94% of the time. In addition 64% of all cases sent to the National Arbitration Forum were handled by the law firm of Mann Bracken.

As a result, all of our disputes ended up in court anyway, (because we opposed the decision made by the NAF) and Mann Bracken was able to use the judgments handed down by the NAF to place a court order and judgment of “payment in full” in some cases. To make matters even worse, and show the desperation of the banks, who know changes are coming, Mann Bracken used one of the judgments against Ronda to garnish our joint bank account in an attempt to collect the payment in full.

No warning, no notice, just gone.

Ronda and I were able to file a “traverse” to keep the money out of the hands of Mann Bracken while we fought this hideous stunt in the courts. As a result, the court granted a 60 day continuance in order to settle the dispute. While Mann Bracken agreed in front of the courts, when negotiations again proceeded, nothing less than payment in full, including thousands of dollars more in interest, fees and court expenses would suffice.

Because of the deplorable behavior of Mann Bracken, our legal counsel advised that Ronda file for bankruptcy in order to protect our assets. Therefore, on July 14th, Ronda filed for bankruptcy, unaware of what was going on the very same day up in Minnesota.

On July 14, Minnesota Attorney General Lori Swanson filed a complaint against the National Arbitration Forum, alleging that it had concealed financial ties to Mann Bracken and worked behind the scenes with creditors against the interests of both Ronda and I.

From The Wisconsin Law Journal

The complaint mapped out a “complex web” which boiled down to a cozy financial relationship: the arbitration services of NAF and sister organizations as well as the debt collection services of the law firm Mann Bracken and other companies have all been owned by the same New York hedge fund since 2007.

The complaint alleged that the NAF violated state consumer fraud, deceptive trade practices and false advertising statutes through “complex and opaque corporate structuring” that concealed its financial ties and represented itself as a neutral party.

“The ability of a class action litigant to get all of these other court cases undone is limited because of comity. Definitely a federal court will not be able to tell state courts to set aside judgments,” said Rubin, who hopes that other state attorneys general or the Federal Trade Commission (FTC) will step in and order that profits be disgorged.

As a member of YTB, I’m fully aware of complaints filed by Attorney Generals with allegations of consumer fraud and deceptive trade practices. While YTB fought the unfounded and meritless accusations eventually settling the dispute a year later, what do you think big business did when allegations of the same were placed on them?

They folded like a wet noodle.

Five days later, NAF agreed as part of a consent decree that it would cease consumer debt arbitration by July 24.

The ink was barely dry on the settlement when the American Arbitration Association announced on July 22 that it too would be getting out of debt collection arbitration until it can develop standards of practice.

As a result, when the continuance for the traverse came up on the court calendar to oppose the garnishment, Mann Bracken didn’t even show up. The case was dismissed, we got our money back, and our joint bank account was restored.

Unfortunately, because papers and proceedings for bankruptcy were already filed, Ronda may be living with the stain of this gross injustice for years to come. I say may because of what has transpired and the fraud committed against thousands of consumers, the entire proceeding may be able to be expunged. (Not guaranteed, but possible.)

In the meantime, the one last account I have with Bank of America (FIA Card Services) which also has a judgment against me via the NAF and Mann Bracken is still pending. I haven’t decided or been advised as yet how hard I can squeeze to retaliate against this deplorable and fraudulent company. Edelman, Combs, Latturner & Goodwin in Chicago, has already filed the first class action against MBNA/FIA and Mann Bracken, exposing it’s financial ties to the NAF. If successful, it will aside thousands of arbitration awards and judgments entered against Illinois consumers since 2007.

I will also be filing a complaint with the Georgia Governor’s Office of Consumer Affairs and the FTC against Mann Bracken. The state of Georgia is also suing Mann Bracken for FDCPA and for violations of the Georgia Business Practices Act.

I’m fully aware of the bizarre comments and speculation about our personal finances out there on the internet right now. I didn’t feel it necessary to react to a bunch of shallow halfwits who have once again proven how delusional, vindictive, and ignorant they really are.

I was talking with Candi May earlier in the week and she gave me a very interesting quote:

If facts are are on your side discuss the facts. If you don’t have facts plead the law. And if you don’t have the law, drag a dead cat into the room.

Because critics can’t fight the facts about YTB they deflect with personal attacks. One month ago a District Court not only threw out, but severely spanked the perpetrators of a hideous class action lawsuit filed against YTB International. The Judge called the entire document redundant, immaterial, impertinent, and scandalous. Their false illusions of a scam also been compounded with the settlement in California, and the Convention held earlier in the month. In addition, they are now facing the best compensation package available in the travel industry.

Because these punks can’t argue the facts and findings found here, they’ve resorted to these types of personal attacks and finger pointing to discredit or make me simply “go away”. (Cha…RRRRIGHT!)

For the record: The nameless and faceless punks who have been vilifying my wife and family over the internet about this situation owe her an apology. Unfortunately, when you lack class, morals, ethics, and judgment cowards never man up and do what’s right or respectable.

In other words, don’t count on it.

Me…I got what I wanted and that’s exposing a true scam, and telling the truth. Something critics know nothing about.

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The 1999 Texas Electric Choice Act, which went into full effect in January 2002, changed the electricity and power industry. In 2005 Rob Snyder committed $1.5 million of his own equity and after clearing a few hurdles with the Texas Public Utilities Commission, Stream Energy had a REP license and company to sell energy to its customers. They began switching customers over to their new energy plan with 40,000 customers by June. In August of that same year, Katrina hit, devastating the area and threatened to do the same with this new emerging MLM.

Even after so many hurdles, Stream made it through its first number of years and today is flying high. If you’ve never heard of Stream Energy, they’re a retail electricity and gas provider in Texas and Georgia. Stream is now the 29th largest private company in the Dallas/Fort Worth area based on revenues of more than $800 million in 2008. Stream’s marketing division, Ignite, has fueled Stream’s growth through what the company calls a “multilevel marketing program.”

There they are…those three little words…”multilevel marketing program” also known by three letters: “MLM”. One would think it was four letters based on the reactions of some extremely overzealous critics. Because YTB is also a “multilevel marketing program”, you’re well aware of how it brings out some real nut cases who for whatever reason feel they need to save everyone from themselves. Some of us have mothers who use to be in in charge of protecting us as children. Apparently mom needs help now that we are grown adults as some try to warn us of the danger surrounding Multilevel Marketing. (I actually asked someone last week if they were my mother.)

Attorneys from Houston’s The Clearman Law Firm have announced a federal class action lawsuit filed last week under the Racketeer Influenced Corrupt Organizations Act against Dallas-based Stream Gas & Electric, Ltd., Ignite Holdings, Ltd., their related companies and several affiliated individuals. The press release issued by Clearman looks to be a simple copy and paste from the pages of Wikipedia or Scam.com.

“Some of the individuals at the top of the Stream and Ignite pyramid earn millions of dollar a year, while most of those that are now joining the scheme will likely never recover their investment,” says Scott Clearman of The Clearman Law Firm, lead counsel for the plaintiffs. “Stream promises recruits that they can make vast sums of money, but the fact is that most will lose their money.”

Nothing new there. It’s the same line we’ve heard for years from a select few who are too stupid or too lazy to figure out that companies like Avon, Mary Kay, Tupperware, Fuller Brush, Amway, NuSkin, Primerica, and Pre-Paid Legal have been operating as an MLM for far longer than this myth about running out of people has been pitched. None of the listed companies have hit this invisible bottom few claim to be inevitable.

I absolutely LOVED the response from Rob Snyder that I found which points directly to the ignorance we find surrounding the MLM model.

The fact that the Texas Attorney General’s office has previously confirmed the legitimacy of Stream Energy’s network marketing effort speaks volumes to the veracity of Mr. Clearman’s assertions. Moreover, the further reality that Stream Energy serves as a Provider of Last Resort as requested by the Public Utilities Commission of Texas also attests as to Stream Energy’s standing and repute within the state’s deregulated retail electricity market.

Simply put, the direct selling models used by firms such as Mary Kay and Stream Energy have been repeatedly found to be unquestionably legal. And, unfortunately, it seems these days that any clown with a bow tie can file a lawsuit on behalf of a purported class of injured parties.

We look forward to seeing Mr. Clearman in court.

While I’ve yet fully investigated this situation I suspect there are a few Reps with Ignite who were unsuccessful in obtaining customers in the first couple of weeks. Instead of improving themselves with knowledge, sales skills, or self-confidence, it was easier to find an Attorney who could file a law suit on their behalf so they could play the role of victim.

I actually know a couple of people who are with Ignite and have been asked to become a Rep and/or a customer of the company. While I did take a look, both the program and product didn’t tickle me the way a cruise would. Energy, like phones, cable (or satellite), and internet service are commodities that most everyone uses and I’m sure there is money to be made in all of these areas. Personally, I’ve always gone after things that I have a passion for. (Trust me, it helps in the sales process.) Entrepreneurship however, does solve a problem with a solution. The timing was right back in 2005 for Ignite to capitalize on a market shift after the deregulation of power and many made money with this MLM.

The lawsuit filed in the U.S. District Court for the Southern District of Texas in Houston alleges that Stream and Ignite induced the plaintiffs and others to invest in the “Ignite Services Program” at a cost of $329 and purchase an “Ignite Homesite” web page for a charge of $29 per month. The lawsuit claims that a large portion of the $329 is paid to those higher in the pyramid.

I found another article while researching and invite you to read what it took to start Stream Energy. (Found in the middle of the article in Arial font.) The millions of dollars invested to start and maintain a power company makes $329 and $29 per month literally chump change. We’re not even talking about the monthly overhead and lapse in time between being charged for the power used and when the customer actually pays (if they pay) their bill. But because the company uses “multilevel marketing” with thousands of independent representatives who now have a legitimate power company they can invest in and sell power through, (which in turn generates revenue for the investor), it’s a raw deal.

The way I see it the raw deal here are the idiots who think they need to save you from yourself instead of educating and training you to become self-sufficient. Like I said, I’m not a part of Ignite or Stream Energy, but I would place very good odds that this company’s focus is empowerment (pun intended) not some bogus pitch that you don’t have what it takes.

It will be interesting to see how all this unfolds. But like we’ve seen with YTB over the last year, we know that these types of allegations (and that’s all they are at this point) take time to reveal the truth. However, I can’t predict the future for Ignite or Stream. My hope is however, it will serve as a notice to others who can’t get past their own fears and self-imposed limitations that multilevel marketing is not only here to stay, but a legitimate business model.

All the best to Mr. Snyder, the Corporate Heads of the company, the independent representatives of Ignite and the customers of Stream Energy.

PS - If you're involved with YTB, sign up for our FREE Newsletter. As a Website Owner or Website Seller, we'll keep you up to date with all the latest news, acquisitions, and developments with YTB.

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