 Good morning everybody JR Fisher here. It is Thursday. I think it's a 25th. It's a 25th. It is a 25th of March 2021 and how happy could you be today? I mean you made it through 2020. You made it through a pandemic, okay? A lot of people died and we did not So that's a pretty cool thing today. I'm gonna be talking about credit card processing However, this session is for you. So if you're trying to start running and grow an online business I'm here to serve you in the morning to answer your questions to help you out guide you in the right direction Kind of let you know what I've done. I only share with you things that actually work because I've done them So if I haven't done them, I won't share it with you I wouldn't know anything about it if I haven't done it. Let me get all my stuff here straight. I'm a little toys, right? So today I'm gonna talk about that however James you are the man. You let me know I'm loud and clear in Savannah, Georgia. I got a loud voice I can go from the West Coast all the way to the East Coast and beautiful Savannah there on the water Man, I got to get back there James every time I see you and I see the word Savannah I think about all that good food there that wasn't what they call it low-country food. I think that's right But it's just so good there. It's just so awesome. The people are so awesome. They're so kind and it's so beautiful It's just I do miss it West Coast is a lot different though. We won't be here much longer I am moving to the Austin, Texas area building a house there matter of fact I was working on all that stuff yesterday And you know to bring up this COVID thing and I'm not a doctor. I don't give any medical advice I don't know anything. Okay, so just totally ignore what I'm saying, but I'll just tell you what I did yesterday. I In the beginning of COVID in March of 2020 I got really sick. I got a fever I got chills. I got eggs sore throat coughing. I mean I was sick And I mean like I couldn't get off the couch sick and I called my doc not my doctor I call my insurance company and they said well, you've probably got COVID you need to get tested So I called, you know, the the Scripps testing center, whatever they had these testing centers set up Told them all my symptoms They had a nurse talk to me on the phone Excuse me on a zoom call and she says yeah, you probably have it, but we're not going to test you I said why not? She says well because we just don't have that much testing availability And unless you're sick enough to go into the hospital and or you're having breathing difficulties We're not going to test you and I thought to myself Wow, so the numbers are fake. I said so if you're not tested everybody, you don't even know how many people have it She says no, we don't she has the numbers are inaccurate. So I assume they've been inaccurate for an entire year But you know yesterday, I was thinking I wonder if I did have it Because I'm thinking about getting the vaccination and I'm gonna get on with credit card processing Just like I was gonna get this out So I was thinking well if I'm gonna get this vaccination I wonder if I have the antibodies because if I have the antibodies, I don't have to get a vaccination, right? So I found a place online and it was the minute minute something at CVS When you go in there and they'll test you it was like 38 bucks insurance wouldn't pay for it so I went in there and she's all I got to do is do a finger prick, you know take a little bit of your blood and Then I'll be able to tell and I said well, you know, I think I had COVID but it's been a year She says well the way it works is once you get COVID you're gonna have this marker It's gonna show up immediately once you're infected and you're active and then after a while It's gonna move to an antibody in your system. I said well, yeah, that's what I want to check for is the antibody She says well those only last for about six or eight months That's just so what you're telling me is that when I get this test and you give me the results Even if I had COVID a year ago in March, it won't show up. She goes, that's exactly right I said well, could I still get COVID if I had the antibody she goes yes, you could so I'm like, ah, so I went ahead took the test and I came up negative. I'm sorry. I don't have COVID right now at least today. I don't yesterday I didn't I don't think anything's happened since then and So I said well, I want to get the the the vaccine, but I don't want to get the mRNA one I don't want to get that I want to Get the one where it's Johnson and Johnson and it's the one-shot deal. It's only 74% Effective, however It's it's as effective as any other vaccine as far as if you do get COVID you won't get very sick at all Okay, so it prevents all that so I said well, that's the one I want to get so I go online and I find that you can actually search to see where the vaccines are available in your town So I'm searching all through San Diego and I find one CVS place one the shows that it's in stock I call them and they said they can't schedule anything that I have to go online and schedule it CVS.com so I go to CVS.com and That doesn't show on their website that it's available there so I can't I can't schedule by calling them and I can't Schedule by going online because it doesn't show available even though it shows it is available when you look at the COVID search So I get on the national hotline and I speak to some lady She says well I can schedule for you and I can search for the Johnson and Johnson vaccine. I was like great So she finds one in LA at like nine o'clock at night or some crap And I was like well I'd rather do it in San Diego so she searches San Diego and San Juan Capistrano and San Clemente all these different places And then she says now we ought to go back to the one in LA. She goes. Oh, I have one at four o'clock now on the ninth Okay, that's fine. I'll drive to Los Angeles a couple hours up couple hours back is what it is And then she says oh, let me refresh my screen. Oh, no that that appointments gone now because this is so active They they constantly go so anyhow I went through about four or five different appointments with her on April 1st and April 5th and April 3rd and every single one of them every time she'd go to schedule it would just disappear and Then after about 45 minutes on the phone. We got disconnected So here's what I'm left with no vaccine no availability can't talk to anybody and It's just so frustrating. I mean I see why people get so frustrated with this stuff. What's Paul saying here? Paul, let's see what you got going on Yeah, I hit the bell first thing. Thank you so much James. He reminded me subscribe and ring the bell Turn on all bell notifications to your notified every time I go live or what go live or what upload a video? Yeah Interesting day for you. Yeah. Yeah, it is it was Every day is interesting right every day's interesting. There's not much you can do about it I think Johnson and Johnson is a very reputable company and I trust them Yeah, I'm kind of the same way and I you know, I talked to my doctor in that MRNA thing It's a different delivery system and it may be fine It may not cause anything but he says it could cause cancer in 10 or 20 years, too You don't know or it may not, you know, and so I'm not saying it does or doesn't I'm just saying I've heard things I trust my doctor. He's the doctor for UCSD all the sports teams He's a friend of mine and I was like Anyhow, so I'm gonna try to figure out that Johnson and Johnson thing I think I'm gonna try to wait it out until there's some availability. I know a lot of states. It's there so I burned up seven minutes talking about my personal stuff. I apologize for that But it's what I let you guys know how weird it is, you know, even if you want to get a vaccine It's not that simple. It's not that easy And then, you know, my wife went and got a COVID test a few months back Because she had a doctor's appointment and her insurance paid for the test and I went and got one yesterday They didn't they said they wouldn't even take insurance. You just got to pay for it's 38 bucks So I'm out 38 bucks for nothing But it's okay, I'll make up the 38 bucks today. I promise you I'm gonna make you $38 today Maybe a trip to Texas would be more fortuitous. Look at you with the big words Look at you Paul. You just pulled that right out of your pocket and you said look at my big words. I'm smart. I Love it. Thank you so much. Yeah, probably would be probably be very smart I was dealing with all the housing stuff yesterday at our home and we've got it all dried in now It's all framed up. They've got the heat and air conditioning ducks in there So they're gonna start on the inside now. So we're pretty excited about that matter of fact, I wonder I can't I can't really pull up a picture while I'm talking to you guys, but I'll get it I'll start posting that stuff so you guys can see it. So I want to talk about credit card processing Credit card processing is a very interesting animal. When you start online, you're gonna have everybody and their brothers gonna tell you They're gonna help you with the credit card processing Understand that to deal directly with the processor versus going through some agent makes a world of difference Okay, if you're going through some agent, you're gonna pay all kinds of extra fees that you don't need to pay You don't need to so what I'm gonna do in this this training session today is tell you the best way to go about it I'm also gonna tell you how I got ripped off terribly. I mean terribly And how to prevent that from happening to you So let's see here There's lots of controversy among the medical researchers about the effect of vaccines and possible J&J demanding governments receive them of all Relieve them of all responsibility for lawsuits. Yeah, of course, of course, right? Nobody wants to be sued and we're in a very litigious Society and yeah, I get it, you know because you know it the truth is some people will be harmed by these vaccines Because some people are harmed by an aspirin some people are harmed by eating an avocado or eating peanuts So there's always gonna be a portion of the population that's gonna be harmed However, they did say that of all these vaccines and I'm gonna get back to the credit card thing in a second of all these vaccines Nobody's died from a vaccine. They just have it. It hasn't happened and they've done millions of them So I think they're pretty safe So in the beginning in the beginning, let me tell you what happened to me. I went the easy route I said, I want to take PayPal payments. So I took PayPal payments And that at the time, you know PayPal and eBay is kind of hooked together. It's the same same same So eBay says you got to take PayPal. So no problem. I signed up for PayPal account gave them all my business stuff Oh, let's sign up and they said we can also process credit cards for you I said, you mean like, you know American Express and visa massacre. They go, yeah, we can process all that through PayPal not a problem. I was like, well, I'll just do that there You know everything's simple and easy there. The fees weren't that great I mean, they were kind of high a little bit higher than other places, but it was really simple It was like one day I had my account set up, which was great until it wasn't great Okay, until it wasn't great and it wasn't great because what happened to me was I was selling somebody else's product at the time I was selling survival food, but it wasn't the branded survival food I have right now it was somebody else's and as such As I was selling it, they were getting behind in their orders and they weren't shipping on time And since they weren't shipping on time PayPal got upset or excuse me. eBay got upset because the shipping times were too long So they actually shut down all of my ads not my ads all of my listings on eBay And I had got probably 300 and some odd listings on eBay that I had spent, you know, months putting up Um, and they shut it down and then because I had my credit card processing through PayPal, PayPal was hooked into my bank account They went into my bank account and took $22,000 out of my account for what they called reserves In other words, if I didn't have the money to refund people, they were going to just take that money from me Now that turned into a real nightmare because this was in the beginning of me selling online I had just quit my job and they took all this money out of my account Now through some attorneys and the attorney general in the state of california, which is where PayPal was at the time I was able to get these attorneys involved and I was able to get my money back from PayPal It was a nightmare guys. Do not do not process credit cards through PayPal. Do not do it Now am I saying don't use PayPal? No, I have PayPal available People can pay me through PayPal, but I do not do my credit card processing through PayPal because PayPal attaches itself to your bank account And once they've done that they can take money out of your account as if it's their account It's that simple for them. Whatever you've got. They can just take okay. You don't want that happening to you So I'm going to warn you up front. Don't do what I did Don't do that. It can hurt you severely. I am going to talk about what you should do though Okay in lieu of doing that running credit cards through PayPal You don't want to do it. You I'm telling you don't want to do it. And this isn't an isolated incident Once I got into it and I started googling about PayPal There were thousands and hundreds of thousands of people that they did this to and if you think about it They only took 20,000 dollars out of my account. However, 20,000 dollars times hundreds of thousands or millions of accounts Times whatever interest rate you can get Right, they're making some money. They're making a lot of money and they were just going to say I'm going to hold this money And in here was the deal with holding the money I said, well, I'll just cancel my account because I want my money back and they said well any money that we're holding We hold for six months after you cancel your account I said, so you're telling me if I cancel my PayPal account, you still hold my money for six months. They said yes I said, well, how soon can I get it back if I do stay with you guys and they said six months I said, what do you mean? They said, well, we will we reserve money. We hold it for six months Now I couldn't do that at the time. I needed that money. I needed that money back. I had bills to pay so I was able To get my money back through a series of letters and lawyers and stuff and it was it was just a nightmare guy So don't do that. So I'm going to suggest that you run your credit cards through a reputable online processor, okay now You can certainly go down to wells fargo or bank of america or whatever and set up a A merchant account, okay to to process credit cards You're going to pay a higher fee and in addition to that they are not attuned to selling online Okay, that's not what they do on a daily basis Since they don't do that on a daily basis. You may get charged higher fees, which you probably will You'll also get paid slower like the processors. I'm going to tell you about in just a second I get my money within a day one day one day. I get my money So, you know, somebody buys something from me today tomorrow. I've got the money in my account some of these banks It could be three or four days. It could be five days before you see your money So what in what happens is you have a product Somebody pays you for it You've got to pay for the product. You got to ship it out to them and the bank still hasn't paid you for three Four or five days, okay Now the other thing is there are ones that you can use and you can set up an account Super easy, but they're stupid expensive. Now understand when I say stupid expensive I'm talking a half a percent or one percent more than the ones I'm going to tell you about and you say well jr One percent is not anything. I mean one percent is nothing. Oh, no, it isn't think about this. Let's say All right, let's say let's say you did Hang on with me. Hang with me for a second 20,000 dollars in sales. Now. You may be saying to yourself Well jr. I I'm not doing 20,000 dollars a month. I mean if I did 2,000 dollars a month, I'd be happy Well, maybe you would but if you don't set up this account right now And you do get to 20,000 or you get to 200,000 like we do or 2 million It really matters, but just 20,000 times point. Oh one That's 200 bucks. Okay. So 200 bucks a month More that you'll be paying for nothing 200 bucks is your phone bill. Okay, or my phone bill I don't get a pretty high phone bill. It's actually more than that Or it's maybe your groceries. Okay, maybe it's your gas in your car. Maybe it's car payment 200 bucks on my money Now when you get up to 200,000 Okay, and I can do the math, but I'm just messing with your point That's 2,000 dollars a month To the 24,000 dollars a year. Do you want to give up that one percent? I don't I don't now One of the easiest accounts to get right now is square square is really high guys It's the one where you like you clip it into your phone. You can just swipe a credit card through you'll see a lot of Restaurants use it. Uh, if you're at like a farmers market, which remember those They they would swipe your credit card through all those things. They're super expensive guys. Don't do it Don't do it. Don't do it. Don't do it. I'm telling you do not do it We use a company called authorize.net Um, I have an affiliate link forum and I'm not using it. I just want to tell you guys about it's called authorize.net Go to authorize.net. I switched to authorize.net in 2000 I want to say 10 or 11. I can't remember now So it's been 10. It's been good 10 years that I've had them I've never had a problem never had a problem. Now. Let me tell you something else that happens If you don't have a company like authorize.net, let's say you you sign up for the merchant And they say how much are you going to process a month? And you say I'm going to process. This is another thing that PayPal did to me I'm going to process $10,000 a month And they go, okay. That's kind of that's cool. You're set up for $10,000 a month. Not a problem And then the very next month you do $18,000 and they stop processing And you call them up and they go, well, we can't process $18,000. You told us $10,000 You're like, well, I'm just selling more product is all I'm doing. They're like, yeah, but you're not authorized for that So we can't approve any transactions over $10,000 a month. Yes, they will do this to you Or let's say this this happened to us too. This is craziness Let's say your average sale is 200 bucks. Okay. And they say, okay, we're going to say average sale 200 bucks Then you have a customer that comes along once it's been 2000 with you And it gets rejected and you call them up which this happened to us at PayPal and they go, yeah, you're not approved for $2,000 purchases I said, what do you mean I'm not approved for them? They go, well, you said the average would be 200 And since you said that we won't approve a $2,000 purchase Crazy this stuff is crazy what they do. It's like they don't want more business. They don't want it Now if you see, well, jr, I'll just tell them up front that my average sales five grand You won't get approved They won't let you do it because you got to build up to that amount gradually And you got to keep saying, hey, I want a little bit more. Hey, I want a little bit more. Hey, I want a little bit more With authorized net whether I process, you know, $2,000 a month or $2 million a month I've never had a problem never had a problem not once and they have lower rates. So check out authorized net and that's not the only one I'm going to tell you about but check out authorized net Now the other one I want to tell you about is stripe. I like stripe a lot. I have stripe I don't use it as much as authorized net, but it's really easy to get set up with stripe It's also really easy to lose your account if you do anything wrong If you have, you know, a whole bunch of refunds or charge backs or anything like that, you could lose your account very easily Okay, so I do use stripe I do use pay pal but not pay pal credit card processing two different things And then I do use authorized net. Those are the ones I'm going to recommend to you Now if you don't want to process credit cards at all, you say jr, I've got a digital product And I want to sell it But I don't want to do the processing you can pay a very high fee very high fee and put your product on click bank Then what click bank does is they do all the processing and just send you the money But you're going to pay a much higher fee high high percentages. I think it's like five or seven percent I mean, it's really high, but they do all the processing for you They do all the refunds and exchanges and all that stuff for you But understand they also control your refunds. They control your charge backs Okay, so what they do is if a customer says, hey, I bought this product from jr And it has a no refund policy, but I want my money back Click bank will go. Sure. Here's your money Now you're going to say well, I told click bank. There was no refunds. They don't care You're still going to do it or let's say your refund policy is 30 days This person comes back four months later. Once their money back click bank I'll just give it to them and they'll say screw you. We don't care about your policy We don't care about that. We're just gonna give it to them and I only tell you this because it's happened to me Okay, it's happened to me or what's worse yet Is we would get affiliates who would be selling one of our courses Let's say it's a thousand dollar course and we would get like six seven sales in a day six seven thousand dollars from one affiliate in one day one day we would get these things, okay, and We were pretty excited and then a month later it came back that that affiliate had stolen credit card numbers And all of those became charge backs and since they were a charge back We get charged a fee for every single one of them and we have to give all the money back And our processing fee goes up at click bank because we have a high number of charge backs Even though click bank allowed an affiliate to use stolen credit cards to buy our products Now why would an affiliate use a stolen credit card to buy the product because they're an affiliate And if they're an affiliate they get 50 percent of the sale So what they do is they steal a credit card. They buy a thousand dollar course from you They get their 50 commission and then you get a charge back for a thousand dollars and you're out the 50 commission Nice, huh So that's how you can get really royally Screwed and I'm sharing this with you guys because this happened to me This channel is all about just sharing with you what actually happened to me I'm sharing with you what the good things are And I'm gonna share with you what the bad things are because there are both of these things out there guys And you've got to know about them if you don't like I didn't know about I just got screwed So I was out thousands and thousands of dollars You guys have the benefit of listening to me and going. Oh, maybe I should protect myself Now how how can you protect yourself on clickbank from all these charge backs? Well affiliates that are running these credit card scam things They generally don't have any contact information any website or anything. They just got an email address and that's it So what you can do is you can say I want to whitelist all my affiliates So if you have a product on clickbank, they have to actually fill out a form They have to answer some questions. They have to put what their website is what their phone number is What their email is these scammers won't do it. They won't do it So the only affiliates I allow to sell my products now are the ones who are whitelisted or approved through us They have to fill out a form and say this is who I am. This is my phone number. This is my address This is my website and then once they do that then we approve them Guess what charge backs went away. They went away because we got rid of the scammers I'm telling you this because I can save you money if you listen to me Just just do what I'm telling you guys. Don't go through the pain that I had to go through Let me look at some of the comments here. Sorry about that. I see you guys Been putting a lot of stuff in here and I want to answer you. There's lots of controversy. Okay. I already read that one Paypal has huge fees for overseas clients. Yes, they do In detailing or dealing with my indian graphic designer. I work with Separate work done and add a fee as separate them item. Yeah, and sometimes those We call freelancers. They don't want to pay the fees. They want you to pay the fees too So, you know, you kind of help that too. I understand that there are separate banks that offer online marketers better services Yeah, but be careful. I'm telling you be careful I would go with authorize.net and I tell you to be careful because a lot of these banks have those stipulations What what's your average sale is or how much you can process a month now imagine like us You know, we were doing like $5,000 a month And then we go to $80,000 a month and a credit card processor saying no, you can't go over 20,000 a month That's all we're going to process for you. So they stunts your business. They prevent you from doing business Craziness, right crazy. I mean, why wouldn't they want more business? They get scared They think that if your sales go way up that you're going to have a lot of refunds of charge backs Or there's a lot of scamming going on. There's a lot of fraud going on So they just won't let you do it. They won't let you do it They make you gradually grow your business, which is craziness. Uh, so authorize.net authorize.net Have you had many charge backs and can you dispute them? Oh, you can dispute to your your blue in the face But it doesn't matter Um, you know, I I ran into that with clickbank where I had a massive charge backs thousands and thousands of dollars But they were all scam They were all stolen credit card numbers from bad affiliates that clickbank allowed to do that to me They just allowed them to do it and when I would talk to them about they would say Yeah, it's the way it is your rates just went up because you have a lot of charge backs And they were all to scam these weren't even real customers These were fake email addresses that they had run a bad credit card through or stolen credit card through And then that affiliate would just disappear And they would just cancel their account and they would take the money out of their bank account They were all under the next person. So yeah, you can dispute to your blue in the face But it's not going to be any good. They weren't there's there's nothing to really dispute. It was a stolen credit card You know the guy stole somebody's credit card Let's see here. I noticed one of the books you recommend is One Too Many Yes, what's the book about seems like a book I'd be interested in pursuing it is amazing It's Jason Fladlin. I happen to know it off the top of my head And it's how to construct webinars to sell products one too many He's a master at it. If you get the book It has a link where you can go online and watch videos of him actually putting together these webinars It's really amazing. And you think well webinar. I'm just gonna sit here and talk. Oh, no It's really tempo templated. It's really planned out to exactly what you should do what you shouldn't do How you can sell your products all about adding bonuses how to add urgency the right things to say I mean, it's a great book great great book. I know it's a self-published book and the cover looks like crap Uh, he took a bad picture, but I tell you he wrote a good book. I would highly recommend it And I tell you he sells a course That is in the thousands of dollars on how to do this. It's the same as the book You know just buy the book. I would highly recommend that book man. It's good. I really I really liked it a lot My wife used it to set up her webinar too It's it's I would say it's probably the best webinar book I've ever Read and that's another thing guys if I put a book in in my affiliate links down here It's because I read it because I like it. I'm not just going hey more affiliate links. I'll make more money I read these books. Okay, and I recommend them highly See here white listed affiliates sounds definitely way to go. Yeah, you're going to get a whole lot less affiliates If you if you say I want to white list them, but buddy, I'm telling you if you don't do it You are I promise you're going to get ripped off at some point It's not like could you or might you you will and you know, I have people tell me, you know Oh, I had bad experience with affiliates. I'm like, well, what kind of bad experience could you have? And they never expounded on it and now I know I know I mean really it cost me thousands of dollars, you know And then that's that's a life experience, right? That's something that I had to pay to learn That's why I tell people listen to my videos for free. I can save you thousands of dollars. Okay, I can tell you what not to do You know, a lot of people want to go out and do advertising on facebook and they don't know what they're doing You know, I tell them I buy my course. It's a 997 course But I tell you what you will blow more than 997 once you start running ads on facebook If you don't know what you're doing, I promise you you're going to lose thousands of dollars Because you have to to figure out how to do it. You're not going to know you're going to spend money and go Oh, that didn't work. Spend money. Oh, that didn't work. Spend money. Oh, that didn't work And yet some people still want to go that route. I'm like, God buy my course and learn to do it right Save yourself from money. I already went through that. I lost the money. I did it I did it for you and I'm not going to charge you the 20 grand I lost I'll charge you 997 for a course that'll make you money I mean it just makes sense, right Oh, let's see here. Uh, I have a book coming No, I have your book about the coming food shortage. Oh cool. Uh, and I haven't got around to reading it yet It's among the tsunami of books. I'm planning to read. Hey, don't feel bad James I've got a whole shelf up there of books That I stare at every day and I've got a couple of the other room that I gotta get read But the point is get get there and read it and I'll tell you James. This is a funny book I wrote that in 2016 and it was about get this it was about a world event like a pandemic That could cause a problem with our food shortage And guess what it explains why there's food shortages It explains who's in control of our food, which will blow your mind when you find out what's really going on with the food supply Because that's in the book But it also tells you how to prepare for it so that your family's safe when I wrote this book everybody was like You're nuts. That could never happen. There's never going to be any pandemic or civil unrest And it was funny because I had a pandemic and civil unrest in the same year And it shut down grocery stores and you couldn't get food exactly what I put in the book But when I wrote it everybody thought I was nuts. They're like, this is never going to happen there You're you're you're off with a deep end. You're a fringe person. You're crazy. Yeah, look how good that book's selling now People want that book now. You're like, yeah, I want I want to know what to do I wanted to have to stay safe And that's what the book really tells you how to do it doesn't say it's the end of the world It just says you're going to go through some difficult times. You may have food shortages And this is what you could do to prevent those problems for your family. So that's what the book's about It's called the great american food shortage. Let me put that in there Let's see here Check out my book on amazon called the great american food shortage I'll put that in the chat section there and notice that i'll type because uh, I can talk that a whole lot better than I can type that But it's really a good book. I mean, I'm very proud of that book. We've sold a lot of copies of that book. I would say 99% of the copies we sell people just buy from us because we actually ship them out of our office So if you're interested in that book you can submit email or something and I'll get out to it. It's very inexpensive That's a good read. It's short. It's not like 120 pages or something like that Uh, but yeah, I don't believe in writing a 600 page book. Nobody wants to read a 600 page book Uh, james ring ditto, uh, you advise about whitelisting affiliates that one suggestion is worth 297 It is I mean, it really is I mean, that's that's why I do these trainings every day guys I literally get emails from you and I every now and then I'll post something somebody'll say something really kind to me I'll post it, but I feel weird about it. You know, it's like, oh, this guy says you're great. You're really good at this Um, but I get a lot of really good feedback from you guys and it's worth it to me You know, it makes me feel good to know that you don't have $22,000 taken out of your bank It sounds like I did it makes me feel good to know that you don't lose thousands of dollars on You know rip off affiliates with stolen credit cards like I did, you know, and I share that with you And you're like, gosh, thanks for telling me. That's all I want from you guys. Just put in the put in the chat Put in the comments. Thanks for telling me. That's exactly what james just did and I really really appreciate that that you appreciate it Okay, that means a lot to me to get that that honest feedback from you Do you have any questions about this this credit card processing thing? um, you know, it's going to be a little harder to get an account with, um, Authorize.net than it would be to go get one with some fly-by-night, you know square space whatever Thing it is. However, you're going to have a much better partner and that's what you want And, you know, and I know these little small percentages don't sound like much but man add it up over time They could be thousands and thousands of dollars or hundreds of thousands or even millions of dollars to you um, you know, I was listening to um Grant step uh Is it grand stefan last night and he did a video on his channel In his first year, uh, he was making like a dollar or two dollars a day On his channel from ads, uh, and then the next year he went up to 26 000 dollars Uh, and then the next year he went up to I think one and a half million dollars And last year he did 5.5 million dollars With his three youtube channels 5.5 million dollars guys. Can you imagine? Let me know if youtube channels Now mine's growing and every month It grows and I make more money and I have deposits of my account And I see what he did and other people like him and not just him and I'm like, yeah This is very cool. This is a very cool thing So that's why I love doing videos for you guys because really it's also an investment in my future The more I give you this information the more you I like this the more you share this the more you subscribe to this channel You know the more it grows an asset for me and at the same time I get to help you out That's a really good deal man. That that is that's that's just awesome. I love that I love the fact that I have so many regulars that come back. Uh, let's see Let's see, uh, what else we got here Just curious if Mormons or Latter-day sinks are part of your marketplace. Yes, they are big time have been for years Sell to a lot of Mormons with Mormons in church of Latter-day same same thing same same people Um, uh, let's see here Come on Jr. Don't be afraid to toot your horn. Just a tiny bit. Okay A little tiny bit a little tiny bit not a whole lot Have you ever sold an affiliate product and then been ripped off by the affiliate marketing guy who held back commissions? No, because I don't go through those channels. Um, if I'm going to sell an affiliate product Um, it's either going to be through somebody I know and it's their product Or it's going to be through clickbank or something like that I don't I don't just sell products, you know, like I'll use amazon. I trust amazon. That's going to pay me I just trust they're going to pay me. Um, I trust that, uh, kartra is going to pay me You know, if I send them a customer they pay me. I don't have to worry about it So it's really about knowing who the person is that actually is providing the product or knowing where the affiliate Uh, platform is so, you know jb zoo is a good one Clickbank is a good one. You're going to get paid. You're not going to get ripped off I do have friends who left like clickbank to go to some other platform who paid a much higher amount of money Who let them put products on there that clickbank wouldn't allow them to put on clickbank And then when they sold hundreds of thousands of dollars with the products, they never got their, uh, cut They never they never got paid. So anytime it's too good to be true Anytime it's too easy like it's really easy to get a credit card processor They go, look, I have an account in two hours. Don't worry about it. Uh, you're something's wrong Something's wrong. Okay. If they don't want to know who you are Then they don't care who their customers are and if they don't care who their customers are They probably are not going to pay you the way you should be paid. So, um I hope there's a moral to all this story. Uh, there's no easy way once again Dang, you know every time every time I get up here with this uh video camera I'm telling you guys that it's not easy. It's not But you can do it. It's simple It's just not easy Do you know the difference in that simple is you just follow this path and though it's difficult You know, you can make money. Um simple is Yesterday, my wife and I are looking at each other like do we skip working out today? We were both on the edge of working out and halfway through it I looked at her and I said, yeah, because we're doing push-ups right next to each other, right? She's doing push-ups right and and I'm like, god, this is hard and she's like, you're right It is I hate doing this and she goes are you're right, but it's the only way to stay in shape So there's no easy way There's the cash I preach that all the time and I lose so many viewers because they're like, oh, that guy's telling us We gotta work hard that guy's telling us it's not gonna be easy that guy's telling us that we could get ripped off Yeah, so they leave they go someplace else where somebody's got a money gun and they're shooting that in the air going It's so easy. I can make money so easy. You don't have to work at all Yeah, right But I'm not I'm also not telling you that you can't make millions of dollars doing this because I've done it and you can too You can too gosh darn it. I don't care who you are listening to this You can make millions of dollars online. You can too. I promise you man. Just put forth the effort You'll be so you'll be so proud of yourself when you actually Do the push-ups and you get in shape because man I work for that or you do the sales page or you do the course or you do the ads And you you get results from it. You're like, wow, it was hard. But you know what? I got results and I feel good about myself You rarely feel good about yourself if something was super easy to do because you're gonna go well anybody can do that You know, I don't know. That's not a big deal. You know, I I kidded my son because he got a tattoo and I'm like, well anybody can do that You know, and he's like, oh proud of this tattoo I'm like, well anybody can go in there and hand money and have input underneath your skin No big deal. You shouldn't be proud of that. You should be proud of the fact that you're a bodybuilder You're in great shape. Yeah, you work for that. You didn't work for that tattoo. Anybody can do that anybody Okay, and and why people run around with pride, you know other tattoos and I know they'll say well This is in the remembrance of my my son Jason who died in a fiery crash and I said, well, you wouldn't remember him Otherwise you had to have his name put on your chest and I'm not I'm not being one tattoos people But I'm just saying if it's easy It's not going to hold as much value to you in the long run It really isn't and it took me many years to learn this I didn't always think this way When I was in my 20s, I didn't think this way. Okay, maybe even 30s and 40s, but believe me. I think this way now I I really appreciate the things I really worked hard for much more than the things that came easy by far Let's see here Looks like clickbank has changed in the last year and not for the better um You know, I haven't used of a whole lot in the past year The year before I was a platinum member sold over a million dollars there I haven't used them as much because I'm working on some other stuff Not that not that they're bad because they aren't they're still probably one of the best affiliate platforms out there but They have their issues they do but then again You know, if you've got a product and you want to get a lot of people selling it That's a great place to go and they can provide that service to you. So Um, you know, they've got a new CEO. I like him. I met him at the uh summit in cancun a couple years ago Really nice guy. Um, and he's from bodybuilding.com in case you've ever heard of that Uh, and he's doing a good job. I think but you know, it's it's a tough market, man affiliate marketing is tough um I still want to get to affiliate easter west to check out the biz, you know, I got an email on that today um Paul and what did they say? They're gonna have it. Uh, it looks like they're trying to have it this year. Um, Let's see here Affiliate summit east Says here that they're gonna connect face to face Uh, when is it? For the first time in over a year This is thousands It's going to be july 19th and 20th Uh affiliate summit. It's going to be at uh in new york at the marriott marquis Uh, and there it is In case you're wondering. Oh, there we go I got my light shining on my phone there But there it is. So if you want to go to affiliate summit, there it is guys check it out I'm not an affiliate for them. Otherwise, I would give you an affiliate link. He makes some money, right? Affiliate affiliate link to an affiliate event. That's pretty cool stuff, right? That's like double level stuff. Um Let's see. Uh, have you ever done whole body vibration? What What what is that? I don't even know what that is whole body vibration Uh, I don't know what that is. You got to explain that one to me You need to check out ddp yoga 10 second push up on youtube. What's it called ddp Yoga 10 second push up on youtube. Here's the 60s Oh, he's in his 60s and crushed a bunch of marines. I think you would enjoy. Yeah, I'll check that out I did a video on my 50th birthday. That's on youtube It's under a different channel, but I did 100 push-ups on my 50th birthday And I can do 100 well, I could do probably Close to 200 but not all at once I do what we do is we have a 40 second interval in the workout that we do So we do three 40 second intervals and we do a little exercise in between The first 40 second interval I usually do 42 Then I'll do four or 38 and then the last one I'll be 37 38 So I try to get to about 120 in three 40 second intervals and they got to be full Good push-ups the ones when I did when I was 50. I did 100. They weren't perfect. Uh, these are much more, um I would say strict that I'm doing now that I did then But I was able to do 100 of them without stopping at 50 That was 11 years ago and I'm still doing them. So yeah, what it's worth Have you ever subscribed to revenue magazine? I don't have any magazines, you know, I I did away with all paper In my life, my desk looks clean because I don't keep any paper. I just don't it's gone Only thing I'll keep is something I need to shred and I'll I have a shredder over there And I have a stack of stuff on top of that I need to shred But I just don't keep paper. There's no point If it's important we scan it and we put it, you know in some type of secure online storage Um, and if it's not something I'm going to use within the next day or two I I shred it. I get rid of it. I throw it away. I don't have any paper So that means magazines that means newspapers. It's funny a friend of mine. Uh, I have a friend who's an attorney He's 86 and his wife is 70 And she sent me an article from the From the uh wall street journal in an envelope the other day for me to read the article And I unfolded this piece of paper and I'm like, wow, this is what a newspaper looks like. I mean, I don't Newspapers phone books. I think they're gone. I don't know You need to check out. I did that What I noticed was that 50% of clickbank sales come from overseas I worked at bodybuilding.com. It was a Real was a great community still friends with old ceo. Oh, really? Um, well, yeah, the guy who uh, um is running clickbank now came from bodybuilding.com I don't know you work there. That's pretty interesting Um, check out becky chamber's book whole body vibration passive exercise designed for astronauts Wow, that's pretty cool stuff. James Uh spending extended time and outer space. Yeah, that's really bad for you I mean a lot of people don't realize that we need gravity to stay in shape If we don't have gravity like I'm lifting my arm right now gravity's working against me So I'm actually working that muscle, right? Um, and if you don't have gravity You know, you go downhill quick. You gotta have it Hey, did we have fun today? I think we did. I mean, I really had fun I had fun remembering the crap I had to go through. I had fun remembering all the times I wanted to quit I had fun with that. Um, and you know, I I saw a uh post on facebook today And I actually sent it to myself But it was of me pulling a u-haul into my second warehouse over nine years ago And I look at where I'm at now and I look at where I was then and I'm like, man I had some tough days tough tough days, and I don't know if I could pull that up or not Uh, maybe I can because I sent it to myself because I just wanted to look at that picture again Because it was so amazing. Yeah, there it is Okay So this is my second warehouse guys I'm gonna try to turn around here and that is me With my u-haul and my second warehouse now that warehouse there was about 2,500 square feet my first one was 600 square feet And then I went to one that was 13,000 square feet and now I've gone to a three p Three pl. Yes, uh, where it's a huge shipping facility and it's hundreds of thousands of square feet But it's not all mine. Uh, so I pay somebody else to do all that shipping and stuff But I went through all the iterations of it now that picture is nine years old But it lets me remember, you know I had hooked a u-haul to the back of my used jeep that I paid $5,000 for Because I didn't want to be car payments. Uh, and for you know a number of years That's what I drove around and I built up my business And from that I learned how to market online and from that I did courses and from that I did coaching And it it's just really cool the direction it can take you if you allow it to happen if you just keep trying God, that's the thing I'm going to tell people man. Don't quit Because if you quit you're going to have to go back to the very thing that you didn't want to do Think about that and that's what I think about every day. I don't want to go back to the very thing I didn't want to do. That's the whole point of all this. I want to do what I want to do I want to live my life the way I want. I want to eat where I want where what I want drive what I want Live in a house. I want that's what I want and the only way I can do that is every time things go crappy I just keep going. Let's keep going. I don't care. I don't care You know when that 35th push-up feels like it's my last one It's not. There's something left. What if somebody was holding a gun to my head and said I'm going to shoot you if you don't do one more push-up. Could you do one? Think about it. I bet you could. I bet you'd pull it off, wouldn't you? If somebody said if you don't do an ad today, you don't start running ads, you don't do a sales page today I'm going to kill you at the end of the day. It's all a matter of motivation, right? Because if you had that sitting there waiting for you at the end of the day if you didn't do something I bet you'd do it. I bet you'd get off your butt and get things done Is this hardcore? You're right. You got to be hardcore. You got to push. You got to make things happen guys Because you know what? If you wait for motivation, motivation is fleeting. It goes away Okay, you got to just have determination to do things whether it feels good or bad. You just do it. Okay That's it. All right. What else we got? Love how you evolve from when I first met you Yeah, and that wasn't that long ago. Wasn't Paul that was like Two and a half years ago, I guess I met you on the cruise or maybe oh no But you had been involved in my tribe, I guess we call it. I don't know for a few years now So yeah, we've known each other for a little bit. Definitely check out Becky Chambers on amazon You'll be glad you did. I'll do that great session with you today learns some important things peace and blessings always everyone Thank you, James. You are always a gift to have around have a blessed week ahead gang See you tomorrow. Thank you Paul guys. Have a super great day. I gotta go get some work done I really appreciate you guys being here work hard The results are amazing. Just work hard work hard. Love every single one of you. Thank you so much for being here. See you tomorrow