117 – Why Life Insurance is for Living Not Dying with Rebecca Bloomfield

Hi there.

You're listening to gift biz unwrapped episode 117.

Every woman has to be a woman of independent means.

Hi, this is John Lee,

Dumas of entrepreneur on fire,

and you're listening to unwrap.

And now it's time to light.

Welcome to gift bears,

unwrapped your source for industry specific insights and advice to develop

and grow your business.

And now here's your host,

Sue Mona height.

Hi there.

It's Sue and welcome to the gift biz unwrapped podcast.

Whether you own a brick and mortar shop sell online or

are just getting started,

you'll discover new insights to gain traction and to grow your

business. And today I have joining us Rebecca field,

you know,

getting insurance today is super overwhelming more than 15 years ago,

though Rebecca Bloomfield and her husband and partner Jerry Pearlstein decided

to use their experience and their empathy to open an insurance

agency specifically for the entrepreneur.

They provide health life long-term care and disability insurance,

to people who don't have a company already who's providing those

benefits. Rebecca is particularly concerned about women who often don't think

of themselves a little bit of knowledge and planning can prevent

a catastrophe that many of us You would never even see

coming. So that is what we're going to be talking about

today. And Rebecca,

thank you so much for joining me on the show.

Thank You for inviting me.

I'm delighted to be here.

So I've already told you that our tradition here is by

having you describe yourself a little bit differently,

we're all creatives here.

So that's how that came about.

If you were to describe your ideal motivational candle,

what color would it be and what would be the quote

on your candle?

My candle would be purple.

I think of that as heavenly as spiritual color and I

quote, would come from Abigail Adams,

whose life I researched and who I portray for a long

time. Abigail said in despair are the seeds of hope.

You're feeling down.

If things aren't going well,

there's something in that situation that actually holds the seed for

you to go further than you are now.

Absolutely. And we're not going to get into Abigail right now,

but give biz listeners,

if Rebecca's voice sounds a little bit familiar,

she was on a past episode where we had her portray

Abigail. And we're gonna talk about that a little later,

so I won't get into any more of that right now,

but more to come.

So stay tuned as we proceed through this broadcast.

Rebecca, what I'd love for you to do is start and

talk about how you got into insurance.

In the beginning,

I come out of a corporate life.

I was a creative VP at an international ad agency,

and that agency broken to pieces and I was in the

cracks and decided to pursue a different passion.

I of course lost my health benefits.

I had been a VP.

So my life insurance was paid for by the company.

I didn't understand that I didn't own it and that they

did as well as my long-term care insurance.

And suddenly I had to get my own.

And as you said in the beginning,

I found out how very difficult this was at the same

time. My wonderful husband Jerry's company was about to be sold

and bought for the third,

six years.

He was a VP sales.

And we said,

you know,

I can't go two years now because you may be leaving

your company.

So I said,

why don't we find out more about how an individual goes

about getting health life,

longterm care,

disability benefits for themselves,

even a retirement program.

And that evolved into a unique agency,

serving people who have to get their own benefits entrepreneurs.

So practitioners,

artists, and people like that,

that we love,

Right? So you saw the need for yourself and thought,

well, if I have this need,

there are other people who are going to have that need

to. Absolutely.

Yeah. And I think even more so now than when you

started, I think you said 15,

almost 16 years ago.

Now this whole entrepreneurial let's go into business for ourself is

so much more prevalent even now today.

So I'm assuming that the demand is even greater.

Now It is for several reasons.

One is always,

unfortunately in corporate America of flow of people in and out

of positions.

And some of them decide that they're not going back into

corporate life and the vigor of people 60 and over while

they may be done with a business that they've been in,

having an idea that they wish to pursue and start all

over again as excited entrepreneurs.

So it's a wonderful thing.

Yeah, You're right.

I mean,

so many people now,

including a lot of our listeners are saying,

you know,

I want a second career.

It might be on the side while they're still with a

company, that's paying them insurance,

but eventually they want to flip it so that they're doing

it all themselves.

And aren't,

we lucky that we're able to do that now,

but with that comes the responsibility of making sure you're covered.

So really important stuff.

All right,

well, let's talk about this now.

What do we need to be thinking about if we're somebody

who now doesn't have any coverage because we've left our business,

something's happened with a past company and they've reduced staff,

you know,

whatever it is.

And you're sitting here today,

what would you advise?

People give us a feel for where we should be going

with this Two things.

So, first of all,

the advice is for even people starting out as young as

25 or 30,

let alone people who are 50 and 60.

And secondly,

you talked about catastrophe and people think about life insurance as

something that happens and it pays off after you die.

But life insurance has benefits for people while they are living.

And those benefits are particularly important to entrepreneurs.

For instance,

whole life insurance has a cash value.

And there's a perfect example.

Doris Christopher who launched pampered,

chef used a loan from her personal whole life insurance policy

to launch that program,

the money was available to her within 72 hours.

There were no federal tax consequences or penalties for her taking

the money.

At the time she did.

She started pampered chef and eventually she sold it to Warren

buffet for a reported $900 million,

a real life benefit in life insurance.

Wow. How long would someone need to have a policy before

they could draw on it?

The timeframe is dependent on your age.

Certainly after a year or two,

there is some cash value that's available to you and it

continues to grow.

So it's pretty quick.

It's not like you have to wait even a decade.

So all the more reason if you're just starting out,

like you said,

you're younger or you think you might be retiring and you

haven't already gotten covered either way.

If you did it right away today,

you can be reaping those rewards within a year or two.

Yes. Now whole life insurance does have this cash value.

The dividends are earned at a guaranteed rate and we offer

policies that consistently re exceed their guaranteed rate by more than

50%. And this money can be taken or borrowed usually at

any time without penalty and without federal tax who knew another

life benefit is we have a 47 year old,

independent business owner who had never been hospitalized in his life.

And this does speak to the catastrophe that you're talking about,

but he hit a medical problem that put him in the

hospital for weeks.

His whole life insurance policy that he started when he was

30 years old,

when he started his own business,

offered three elements of safety for himself and his family.

He had access to this cash within 72 hours to help

hire someone,

to keep his business going.

Even though he was only 47,

it's not like borrowing from a 401k.

There was no penalty.

And there were no federal taxes.

He had access to funds when had seemed his illness might

cause him to need long-term care because his policy had a

provision that should he need long-term care.

Should a doctor determined he needed care longer than 90 days.

He could access up to 80%,

the death benefit of his policy money in his hand to

pay for at-home or facility treatment.

And then of course,

if the God forbid it happened,

the traditional death benefit for his family still would have come

into play all from one policy.

Then he started when he was 30.

Wow. So this is different though than business insurance that you

would have.

Let's say,

if you have a partner or something like that,

this is a totally separate category,

right? It's under life insurance.

And we'll talk about some partnership.

You bring up a good point,

but this is most of the time people start with us

when they get married or have their first child.

And these days it's around age 30,

you know,

it's later than it has been previous decades.

I'm just trying to make sure that we are clear when

we're talking with our listeners,

that business insurance that you would have to protect your business

is different than what we're talking about here.

This is personal insurance,

right? That's our specialty.

And people think,

Oh, a life insurance policy I'll pay and pay these premiums.

And it won't help anybody unless I die.

And if I don't die,

I've paid these premiums and nothing happens,

but that's not the kind of life insurance we're talking about.

Got it.

But triple threat,

whole life insurance policy,

growing funds for you,

giving you availability,

giving you tax advantage,

giving you access to long-term care insurance benefits all in one

policy. Okay.

What would you say about somebody?

I mean,

a lot of the people who are listening are women,

what would you say to somebody who says,

Oh yeah,

we're covered,

you know,

my husband's covered and that's fine because so often as women,

we don't think about ourselves.

All we're thinking about is everybody else.

What would you say,

speak to the women out there and what should they be

thinking about?

Well, women are going to be the last men standing.

You got that passion long-term care.

Stand-alone policy sometimes worked for a couple,

but it wasn't unusual.

And 80% of the time for the husband to have used

up the majority of those funds and for the wife to

be left without those funds.

And they were mostly free nursing facilities and they were for

limited number of years,

but every woman has to be a woman of independent means.

We, women are independent thinkers.

We women plan for the benefit of ourselves and most often

families. Although I'll talk about single women in a minute and

for us to continue to have the wonderful vigorous life that

we want until the very end.

It's so very easy,

early on to establish a plan that is a savings plan

or retirement plan,

a long-term care benefit plan,

and a legacy plan.

All in one,

once that set up that safety net is in place that

growth has begun.

I mean,

you can even do a plan where you can pay premiums

for only 15 years and stop paying the premiums.

And the benefits continued to grow.

Why would not an independent minded woman want to do that

for herself?

Absolutely. And then women say to me,

well, I'm single.

You know,

there are more women of marriageable age in America who are

single, that are married,

but that's even more reason to have a plan to take

care of yourself,

your whole life long and not be dependent on a husband

or children to see you through the 30 years.

You're probably going to have between 65 and 95.

Right. And so just,

I know this is going to be a broad range,

but just,

I think the question it will be out there for people.

What type of a price,

like a monthly price.

Do you think this is?

And I know it's going to depend on everyone's individual situation,

but just as a feel for somebody,

what types of costs would we be talking about?

So I really can't go there.

It depends on where you live.

It depends on your age.

At the time you start,

certainly the younger you start,

the lower the premiums are,

and it depends on your health,

which also depends on how young you are.

Unfortunately, people often come to us at 65 when they're starting

Medicare and say,

I'd like to start my long-term care planning now,

but that's late.

Your premium is going to be much higher.

And so,

as I said,

when you're starting out,

when you're 30,

if you are a parent or a grandparent or an aunt

or uncle lay a whole life insurance policy as a graduation

gift on a college graduate it's dollars a month and you

will pay for 15 years,

turn the policy over to them.

They will have a cash value that would continue to grow.

I did this for my own son.

It's the basis for his retirement planning.

He is an entrepreneur and in business for himself and I've

done it for my grandchildren.

That is an excellent idea,

Rebecca, I would have never thought of that.

That is a really,

really good idea.

And what I'm hearing you saying,

and pretty much recommending to everybody is don't even think about

it. Just get started,

like wherever you are right now,

unless you're a 14 year old listening to the show,

wherever you are.

If you are now out in the workforce,

get something for yourself.

Also because the younger you are more than likely the less

expensive it's going to be,

and you'll be able to reap benefit.

And it's kind of like that thing where you just stash

some money away for a paycheck every month,

and then it builds same type of thing.

Exactly. I'd like to say something we've been talking about full

life insurance and it's kind of combined whole life insurance policy.

There is a place for term life insurance term,

life insurance.

You paid for a certain term 10 years,

20 years,

if you die.

But death benefit goes to the designated beneficiary.

And if you don't,

you've paid out those premiums and you get nothing back,

but that is a good kind of insurance to have in

a partnership last year.

Unfortunately, one of the partners and a two women partnership passed

away suddenly was three weeks from diagnosis to her passing.

And the company had bought term life insurance policies on her

and her partner.

When she passed within a week,

her partner had the cash in hand to help hire somebody

in. It happened at their season and then to take a

breather and have side how she was going to move forward.

If she was going to report Nour,

what incentive she could offer a partner coming in.

So while it was personally devastating to her,

then her partner had passed away.

It was not devastating to the business.

Excellent. Add there because I mean,

there are so many things,

especially when you're going to be creating a business with somebody

else. The last thing you're really thinking about is,

you know,

you're more thinking about,

well, what if it doesn't work?

And we dismantle,

but you're not necessarily thinking about whether somebody passes so really

important. Okay.

Moving on just a little bit.

If we've gotten some people to now think,

Oh my gosh,

I ought to probably go talk to somebody about all of

this and see what my options are.

Are there different types of things that they should prepare and

have gathered before they would go and meet somebody?

Certainly you will be asked your health situation and the health

situation of your parents is there cancer in the family or

heart disease in the family is their longevity in the family.

And so you should have that information with you.

When you come,

you should have an idea and the good agent will help

you about what your financial situation is now for the affordability

of a plan,

because there are plans that can grow with you.

So if you're starting now with a certain amount that can

be budgeted towards the life insurance and the life insurance can

be crafted so that you can add benefits and add growth

to it is very realistically,

know what you can afford now.

And your agent is beholden to you to work within your

budget. Okay.

And then let's even back up a little bit further.

How do you,

even somebody that you trust,

who you feel is respectable or the type of person that

you would want to work with on this?

That's interesting because we couldn't find anybody like us started out.

So it's not property casual key people.

There are some financial planners who also have these kinds of

products. There are some very well established companies.

Mostly I like to talk about the mutual companies and that's

like guardian,

Northwestern, mutual,

mass mutual,

the mutual companies that are owned by the policy holders.

And you can always call them.

And of course you can always call us Jarius posting insurance.

Absolutely. But you want,

I mean,

this is such a sensitive topic and you're sharing a lot

of personal information.

You really want to feel comfortable with who you're working with

and anyone who going to call you is going to know

how comfortable and just,

you know,

respecting of the information.

I'm sure there's legal things behind it too.

Sometimes you just don't want to call a big company and

talk to somebody that you don't know on the other end.

Now everyone's getting to know you because you're sharing it with

all of us today,

but is there a certain classification or a certain name or

is it just because you're focusing on smaller individually owned businesses?

Is that what they should look for if they don't want

to go with some of the bigger companies?

Is that how it would go?

You're in a community that has a chamber of commerce chamber

versus usually a great place for people like yourself who are

entrepreneurs and very small business people.

And they know their membership.

They wouldn't have accepted them for members if they weren't trustworthy

people. So I would go to a chamber of commerce.

No, the whole idea of going online these days,

when you say you feel uncomfortable going to a big business,

I feel uncomfortable going to insurance and getting a lifetime situation

that way.

Yeah. I agree with you.

For sure.

And of course,

people always ask the people in their family or trusted friends

who they use.

It's a huge referral business,

but at this point,

all our business is referral business.

And that's the place that I would go great direction there.

Is there anything else That you want to add in this

area of just the insurance before we move on?

I'd just like to state again that always in our career,

when we say life insurance,

people say death,

but the life insurance industry has been much more responsive to

the real life situation of people who are living wonderful lives

and living long and wonderful lives.

And the products now available are much more suited to living

along and wonderful life.

In addition to the death benefit,

What do you say to someone who wants to kick this

can down the road,

you know,

they're working for a bank right now,

they're doing a yarn business on the side.

So they're just doing that out of the house and they're

feeling okay.

Well, I can count on,

you know,

I'm with the company right now.

So I'm just going to have that plan.

And if ever I need to do something for myself later,

I'll think about that.

What would you say to those people?

Don't wait till later do it.

Now your advice earlier on was exactly the advice.

Do it.

Now find an agent,

go to a chamber of commerce,

ask your friend,

Nate, who the national association of health underwriters has members who

are independent agents,

as well as the insurance company bring what you can afford

and your health history.

And you will work with an agent who work out on

growing living plan for you.

And then Would you keep your company insurance as well?

If the company is paying for a life insurance policy,

certainly keep that,

but know that.

Should you leave that company?

The policy is owned.

It's a term policy.

It doesn't have this combination of benefits that our whole life

policy has ended.

It's owned by the company.

One of the worst pieces of advice I think that people

get is,

you know,

don't worry about it.

The company is paying for it,

take it.

And don't worry about taking care of yourself,

but we all know that careers take different paths who can

know when a life begins,

where it will lead to the end.

And that I go back to whether you're a woman or

married or a single or a single man or a man

with a family.

The best thing you can do for yourself is to make

sure that you are independently cared for and have established your

own safety net that goes with you wherever you go.

That's a really good point because I think so often,

especially when kids are just right out of school and they're

getting their job,

you know,

the thing you say is,

Oh, we'll do they offer insurance?

Right. But the conversation doesn't continue.

What type of insurance is it?

What are you specifically covered for it's either like insurance yes

or no.

Do you check it off the list and then you just

move on.

So I would encourage anybody who's listening,

who isn't sure of the details of the insurance that they

currently have to educate themselves first,

see what they have and then take Rebecca's advice,

you know,

find someone and maybe it's Rebecca.

Maybe you're going to call her on the phone and talk

this through with her.

But what other options do you have where the vulnerabilities and

what you already have and what would be a good thing

to set up as a base groundwork for the future.

So we are going to turn now into a little bit

more about you,

Rebecca. And I have to tell all my gift biz listeners,

we have been talking,

networking quite a bit,

or if you're following me over on social media,

I have that little mini course,

the networking Ninja,

all that stuff.

And we talk a lot about the elevator speech and Rebecca

I've returned elevator speech to be called an introduction message because

it sounds a lot easier.

And it's a lot more of what it really is all

about. Rebecca rocks,

her introduction message,

every time she's at a networking meeting and the cool thing

that you do,

I didn't even tell you I was going to do this.

I just decided as I was talking right now,

I'm not asking you to do a demonstration,

Rebecca, don't worry.

But the thing that she does so well is it's not

the same thing.

Time after time after time,

when we talk about networking meetings,

we talk about the fact that you need to show up

at these events over and over again.

And if someone has the very same introduction speech over and

over again,

it's like the same thing,

the same thing.

Rebecca aligns it to things that are happening in the day

in the time.

And Rebecca just real quickly.

How do you decide what you're going to talk about when

you go to an event?

Because they're always different and they're always so enjoyable.

Thank you.

From the very beginning where we had to educate people to

the fact that helped like us did exist for them.

And we'd went to networking events where the people who needed

our help were.

So that was a good thing.

I've tried to take one sentence education.

So let's say we have just been talking about the need,

how life insurance,

whole life insurance is for life and not just after you

die. So one sentence intro might be sustainability.

Do you know that whole life insurance can sustain you for

a long and wonderful life and not just a death benefit?

Call me to learn more.

I'm Rebecca,

rutile Jerry Pearlstein insurance.

Jerry's my honey.

We make sure you never run out of money.

Isn't that great?

You guys.

Oh my gosh.

I love it.

And the thing that I love so much about that,

you've just given us a little education on an introduction speech.

Your comment of the one sentence education is gold.

I just love that.

So you put that little education piece in the front,

right? And then you have,

you know,

the next line,

that's a little bit about your business and your little tagline

is adorable.

Jerry's my honey,

you know,

save you money.

All of that is so fun and it gets people's attention.

Gift is listeners.

The goal there is then for people to come up to

Rebecca later and have a one-on-one conversation.

That's right.

I think the thing about elevator speeches and perhaps failed,

and you are a model of sales.

We were at a networking this morning and somebody said,

how do I convince people?

You're not going to convince people during networking.

I'm going to invite them.

What is the invitation to come,

engage and talk about what problem needs to be solved and

how you best solve it.

Perfect. Agreed.

Okay. So if you've been listening to this show regularly,

you know,

that some of the other questions that I ask are what

types of tools you use to be productive traits that you

have, but with Rebecca,

I'm switching it up a little bit because she has a

bunch of interesting things going on.

One was how she approaches her elevator speech slash introduction message.

The other thing Rebecca,

I'd love for you to talk about is your portrayal of

historical and famous one.

Well, to go back to Abigail's in the depths of despair

or the seeds of hope.

When I was losing my corporate job,

I realized that I now had the opportunity to pursue some

writing, which I love in areas that I couldn't well,

I was writing corporately and I love history.

I love the Federalist bill period.

That's where I started.

And that's how I wrote,

was engaged to write about Abigail Adams.

When I wrote that play about the life of Abigail Adams,

it opened up opportunities to write about the lives of many

other women.

One of them being Ladybird Johnson.

I had dinner with her.

Wow. Communities would ask me a community in Wisconsin,

heard about what I did and said,

would you come up here?

Our first doctor was a doctor on snow shoes,

a woman,

and how can we put together material so that we can

tell her story to our children while they're still in our

school. A woman in Ohio who was a midwife,

really remarkable woman,

left a whole sketchbook behind woman from the Gullah country.

And each time I was asked to come in and work

with the communities,

I was so inspired by the women in the community.

And then finally I was asked about,

I live in Skokie,

Illinois and was asked by the community and given a grant

to do the same thing for the first head of the

board of health.

And Skokie was a woman and the first cabin,

which they have one of their Hearst settlers,

Elizabeth Meyer.

And each time I am asked to do this for community,

it is so inspiring to meet.

And it really is like meeting women who have just overcome

obstacles and made their lives so rich and in,

so doing made our life so rich,

continuous inspiration And give biz listeners.

I have a treat for you because if you have not

heard Rebecca as Abigail Adams already,

that is available.

That's a podcast.

We did,

boy, I think it's almost a year and a half ago.

And I got the opportunity to interview Abigail Adams.

So that was very cool,

really, really interesting and powerful podcast.

I'll link that up in the show notes.

Rebecca has also agreed to do another show apart from her

and her business insurance life,

with the woman that she was just introducing you to Elizabeth

Meyer. And that will be coming up closer to the end

of the summer.

I think we're going to try and put that on labor

day, right?

Rebecca, I encourage you to watch for those because they are

really, really powerful episodes.

All right,

moving on,

Rebecca, is there a book you would guide our audience to,

to listen to that you think could provide some additional value?

Well, I'm one of those times of the despair I was

introduced to a book called you can't afford the luxury of

a negative thought.

Author's name is John hyphen and Roger.

And I'm not sure that it's in print,

but Amazon does have it.

And it spoke to me because I was having a lot

of negative thoughts just through the title.

You can read it all at once or you can go

dip in and there is some advice,

encouragement, inspiration to take at this moment.

That's very practical and very doable.

So you can't afford the luxury of a negative thought like

John Roger Paris.

Perfect. So in what you're saying really makes me happy is

it's just not all inspiration and all that.

It sounds like there's some real actionable things.

Once you've read it,

you can take away and use and implement into your life.

Right? All right.

And give biz listeners just as you're listening to the podcast

today, you can listen to audio books with ease.

I've teamed up with audible for you to be able to

get an audio book for free on me.

All you need to do is go to gift biz,

book.com and make a selection.

That's gift biz book.com.

Okay. Rebecca,

I'd like to present you with a virtual gift.

Now it's a magical box containing unlimited possibilities for your future.

So this is your dream or your goal of almost unreachable

Heights that you would wish to obtain.

Please accept this gift and open it right here in our

presence. What is inside your box Inside the box?

What has developed lately?

I am moved by the simple phrase.

I have an idea and I would like to be able

to work with early readers and primary grade children or elementary

school children to foster in them,

creativity, starting with a simple phrase.

I have an idea and how to make it okay.

To have an idea how to express an idea.

How do you develop an idea?

That's what I would like to be doing,

going forward.

And I'd like to attract the sources,

the support to do that.

Would this be a business or a volunteer organization or what?

I'm not sure of the form at the moment,

but you've got the idea.

I have an idea anxious to see how that Evolves because

you are a woman of action.

I know that I'm developing a series of blogs called really

bad advice.

And from my years,

as an entrepreneur,

from a base of people's misconceptions about insurance or what pays

for what is just been fun,

and it's been fun,

starting with the idea,

really bad advice.

If you go to the website,

Jay Perlstein,

ltd.com. I hope you'll enjoy starting to read those.

I love that title because that's going to attract people right

away. Really bad advice.

That's perfect.

All right.

And also at your website then Rebecca,

is that also,

will it have information if someone is interested in talking with

you a little bit further on everything we've talked about insurance?

Absolutely. We have a three must have life insurance benefits for

entrepreneurs. We have long-term care who pays for what,

how to look at life insurance.

Lots of information on our website,

Jake Pearlstein ltd.com.

Perfect. So hopefully you guys,

we have both,

mostly Rebecca,

I'm just the conduit here with this podcast,

but encourage you and given you cause to stop and think

about how covered are you,

what is your current company providing all about this option of

even if you have that coverage,

it is highly beneficial for you to open up something that

you own that goes with you for your whole life.

So really don't just stop this show,

turn it off and move on.

Give this a little bit of thought and decide for yourself.

Rebecca's clearly advising that all of us should be doing this,

but really think this through and make a good decision for

yourself based on where you are in life.

Rebecca, thank you so much,

really, really important.

If we can just get a few people here to take

action and follow what you've done,

that would be fabulous.

Hopefully it will be everybody right?

That would be our goal.

Thank you so much for your insight,

your direction and all of the detail.

And may your candle always burn bright.

Thank you,

Sue. Thank you so much for this important opportunity.

I have a question for you.

Do you know that you should be out networking,

but just can't get yourself to do it because it's scary.

Are you afraid that you might walk into the room and

not know anybody or that you're going to freeze?

When you get up to do that infamous elevator speech,

where you talk about yourself and your business?

Well, I'm here to tell you that it doesn't need to

be scary.

If you know what to do to help you with this,

I would like to offer you a call me for the

price of buying me a cup of coffee.

We can sit down through an online video and I'll tell

you everything that I know about networking and how I personally

built two multi-six figure businesses,

primarily through networking.

You'll walk away with a solid understanding about how networking can

truly grow your business.

And you're going to have new found confidence because I'm going

to give you 10 fill in the blank templates that you

can use for your introduction message to learn more about this

opportunity. Maybe just go over to Bitly forward slash network Ninja

that's B I T dot L Y forward slash network Ninja.

And now let's move on to the show.

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