Utility Warehouse Review 2018

Welcome to my review of the Utility Warehouse Discount Club business opportunity and an overview of the services provided to Customers.

This review is based on my own personal experiences as a FORMER Distributor (2009-10) and as on ongoing highly satisfied Customer since 2009.

Company Name: Utility Warehouse Discount Club
Website: www.utilitywarehouse.co.uk
Address: Network HQ, 508 Edgeware Road, The Hyde, London, NW9 5AB
Executive Chairman: The Honourable Charles Wigoder
CEO: Andrew Lindsay MBE (Olympic Gold Medal winner, Sydney 2000)
Cost: £25 / £100 / £199.95 Depending on Distributorship
Business Opportunity Rating: 2/10
Customer Satisfaction Rating (My own): 8.5/10
Trustpilot Rating: 7.8 out of 10 based on 5662 Customer reviews as of August 2018


The Utility Warehouse Discount Club is a provider of landline and mobile telephone, broadband, gas and electricity services to UK households and SMEs. They have recently added home insurance to their portfolio and also provide a Cashback card (backed by Mastercard) which gives cashback on Customer’s monthly utility bills when used for shopping both in store and online with around 2000 partner retailers.

Utility Warehouse is a ‘virtual retailer’ which has no High Street premises and does no advertising. It utilizes a network of around 37,000 self-employed, independent affiliates (known as Distributors) to market its’ products and services through a Network Marketing (aka Multi-level Marketing) business model.


The Company started out in 1996 as Telecom Plus plc, originally selling a product called a ‘Smartbox’ which plugged into a standard BT telephone socket to route Customers’ phone calls through alternative networks to get them at a cheaper rate than through British Telecom. They also sold re-conditioned mobile phones with low cost tariffs.

In 1998, Telecom Plus was acquired by Charles Wigoder, the entrepreneur who created People’s Phone, the highly successful pioneer virtual mobile network. Wigoder won the Communications category in the London section of the UK’s Entrepreneur of The Year awards in 2001.

Under his leadership, the Company was floated on the London Stock Exchange, has consistently traded in profit and remained debt free, has seen its’ market share increase to over 600,000 Customers, was named Company of The Year at the Quoted Company Awards in 2009, has won Best Value For Money and Best Customer Service awards from Moneywise and the Which? Magazine Best Buy and Recommended Provider awards for each one of its core services – most recently for Broadband in 2018.


The Good:

PRO #1 Can earn residual income without having to recruit other Distributors
PRO #2 Services everyone uses
PRO #3 Large growth potential (UK) as company has relatively small market share
PRO #4 Strong Customer satisfaction = excellent retention = income stability

The Bad:

CON #1 Low Commission Rates
CON ~2 Can’t earn money straight away
CON #3 Restrictions on how you promote the business – ‘Old School’ MLM
CON #4 Restrictions on your other business activities (can’t join other Networks)
CON #5 UK based business only, no opportunity to grow your business globally
CON #6 Lack of service availability in some parts of the UK
CON #7 Too much emphasis on MLM rather than Customer gathering
CON #8 Staggering amount of information to learn before approaching potential Customers


Basically, everybody in the UK who owns a phone, a fridge, a cooker, a kettle, a computer, central heating or a shower!

Customers have the convenience of having all of their essential services (except water) provided by a single supplier and only one bill to worry about each month.

Utility Warehouse does not claim to be the cheapest provider all the time but it does guarantee that its’ tariffs will remain in the lower portion of the market. They do not attempt to lure Customers with eye-catching, cheap short-term deals which then turn into expensive long term tariffs with complicated contracts. Their pricing is reasonable and consistent.


The Utility Warehouse Cashback Card is backed by Mastercard.

Utility Warehouse has around 2000 partner Retailers ranging from eateries to jewellers, from hotel chains to supermarkets and DIY stores to activity day providers. When the card is used to make online or in store purchases with any of these partners, a percentage of the purchase from 1% all the way to 11% is deducted from the Customers utility bill the following month.

In 2013, we re-fitted our kitchen, bathroom and one of our bedrooms courtesy of Argos and Homebase – both Cashback partners – and Utility Warehouse actually credited our account with almost £400, wiping out our utility bills for the following 3 months!

The card is a ‘Top Up’ card and you top it up from your bank account any time you like. Effectively, it’s a credit card in reverse. You can’t use it if there’s no money on it and you’re not spending money you haven’t got and paying hefty interest.

As it can be topped up online or over the phone 24/7, simply estimate how much you’re going to need for your shop, top up your card, go shopping and look forward to a reduction on your utility bill next month!

The card can be used anywhere that accepts Mastercard, whether they are a Cashback Partners with Utility Warehouse or not. Obviously, no cashback will be given if they are not Partners but you still have the convenience of being able to use it anywhere in the World that takes Mastercard.

If you go on holiday it’s a very convenient place to put your spending money on an as-and-when basis and as it’s not connected to your bank account, your account will be completely safe if your lose your card.


When new Distributors pay their £100 joining fee (it was £200 in my day!) they are sent their Business Manual with all the T&Cs along with samples of promotional literature to hand out, more of which have to be purchased by the Distributor at his/her own expense when the initial batch are used up.

A replicated Distributor website is also provided. This looks and sounds great, but it is identical to every other Distributor’s website apart from your profile picture and a brief bio.

This means that Distributors will not be found online unless they pay out a small fortune in Pay Per Click advertising to compete with their fellow Distributors for the top spots in the search engines.

You will need to LEARN INTERNET MARKETING and have your own personal website to build your brand, with a link to your corporate replicated site where your new Customers and Distributors can sign up if you haven’t used the direct approach ‘old school’ methods or shelled out wads on PPC.

I remember the huge restrictions that Utility Warehouse placed on its’ Distributors using online marketing methods. In a way it’s understandable as it’s not unknown for MLM Distributors to use a little ‘poetic licence’ and Utility Warehouse have to protect the integrity of their brand. However, as well as all online content having to be submitted to Head Office for approval, they would charge an eye-watering £500 for looking through it to make sure it was ok!


New Distributors are required to attend an induction training shortly after joining before they can qualify for commissions. This is not corporate training, but is carried out by experienced Distributors who have reached Leadership positions on the Compensation Plan.

Here, new Distributors are taught how to promote Utility Warehouse and when I did my training it was the usual old-school, groan-inducing ‘make a list of everyone you know’, etc, which is the cause of so much grief and failure in network marketing

The emphasis was entirely on MLM with ‘Don’t think Customer – think Distributor’ being the oft repeated mantra. There is logic in that in so far as if you sign up a new Customer they can become a Distributor at a later date and it wouldn’t necessarily be under you, rendering your previous hard work in getting them on board redundant.

In my humble opinion, this is an appalling dis-service to hard working Customer focused Distributors. Technology makes it very easy for a Customer who wishes to become a Distributor later on to be linked directly to the Distributor who originally referred him/her. This would prevent ‘poaching’ and should be the way forward IMHO.

I say that with the conviction of someone who’d had prior experience of Network Marketing, and who’s enthusiasm had been somewhat dampened by the experience. The very attraction of Utility Warehouse for me was the opportunity to build a residual income from the percentage commission I would earn on Customer’s monthly bills without having to go down that road of trying to ‘herd cats’ again.


We’d be told by our Trainers to approach our ‘contact list’ from the angle of showing them how to reduce their household bills and, once we’d got them to agree to let us into their house, immediately pitch them with a MLM business presentation!

I had a major issue with that and I wouldn’t do it. I would do what I said I was going to do, and THEN I would follow it up by disclosing to them that I would earn a commission on their bills. After that I would tell them that they could earn that commission themselves by being their own Customer, if they’d like me to show them how. Some did, some didn’t.

That kind of ‘up-frontness’ was very important to me but when I told my Upline that’s what I was doing AND that I was taking ‘No’ for an answer, they were not at all happy and basically cut me out when I continually refused to ‘follow the system’ (or toe the line!).


I touched on the ‘support’ I had from Upline above. Very pushy people who acted more like Sales Managers in the corporate world than the Leaders they were supposed to be.

The Corporate support was much better. Within Network HQ there is a group of experienced Distributors with additional corporate responsibilities whose job it was to help and advize the Network with all aspects of the business. I always found them very helpful and knowledgeable.


When I was a Distributor, I lived in rural North Wales, where some of the services were unavailable. We were on LPG as there was no mains gas available, mobile coverage was extremely poor on the network which Utility Warehouse ‘piggy backed’ on and many of the BT exchanges were still using the old LLX technology, rather than the upgraded LLU technology which meant that we couldn’t offer people the best deal for their landline phones.

LLU stands for Local Loop Un-bundled. Basically, it’s the ‘last mile’ of the connection from the Exchange to the Customer’s property. LLU means that the Customer’s chosen Provider manages connection all the way to their premises, whereas BT manage the ‘last mile’ of an LLX connection, incurring additional costs which are passed on to the Customer.

As Distributor commissions were paid on the basis of the more services the Customer takes, the greater the commission, these factors would have a negative impact on earnings and if a Customer only took one energy service, for example, no commission at all would be paid to the Distributor. That sucks!


When you join Utility Warehouse, you are told that you are ‘independent’ and ‘self-employed’ but in reality you are little more than a commission only employed sales person.

Utility Warehouse will terminate your Distributorship if they find out you that you are working any other home based affiliate type business, even if there is no clash in terms of products and services.

There is logic in only being involved in one Network Marketing company, but that choice should be down to the individual and this restriction goes beyond involvement in other networks.

I became involved in another home based business opportunity which had nothing to do with network marketing and received a rather unpleasant and pompous letter informing me that I would be terminated if I did not immediately quit the other business.

I personally see no justification for this, especially since they would not legally be able to place any such restrictions on their corporate employees. It is tantamount to them acting like they own you the moment you sign on the dotted line and send them your cheque.

The result – I wrote back to them telling them where they could stick their Distributorshp!


There are 3 ways to join Utility Warehouse as a Distributor. These are:

  • Independent Distributor (ID) – £100 (Most common)
  • Community Fundraiser (CF) £25
  • Independent Representative (IR) £199.95

Let’s look at each of these in turn

  • Independent Distributors gather their own personal Customers and can also build a Team of Distributors if they wish. An ID can earn a one off Customer Gathering Bonus of up to £50 depending on the number of services the new Customer takes. After this, ID’s are paid an ongoing residual commission on a percentage of the Customers monthly bill. This varies between 2 & 8% depending again on the services taken, but generally averages out at around £5 per month. Smaller commissions are paid as a percentage of their Team’s Customers, but as the Team grows and its’ structure develops, rank advancement bonuses are paid, as well as car and travel incentives. Pretty much standard practice throughout the MLM industry. IMPORTANT: IDs do not qualify for commissions until they have signed up 6 Multi-service Customers.
  • Community Fundraisers are charities or community groups who can raise funds by encouraging their supporters to become Utility Warehouse customers. The commission rate is 5% ongoing and the £25 joining fee is fully refundable if 12 Customers are signed up in the first 90 days.
  • Independent Representatives are business owners who can generate an additional income stream by introducing their customers, staff or contacts to Utility Warehouse.


Although this is a reputable company offering a completely legitimate business opportunity, I would give it a wide berth because of the poor commission rates and the stipulations for even qualifying for commission, the restrictions the Company places on its’ supposedly independent Distributors other business activities, the over-emphasis on MLM by the Network Leadership and their reluctance to support Customer focused Distributors and the negative impact that the lack of services in some parts of the Country have on the efforts and incomes of Distributors.

Customers are given an incentive to refer people, and this comes in the form of a £10 voucher for every new Customer when they join and every year on their anniversary. I tend to go for the M&S vouchers for their £10 meals for 2 with a bottle of wine!

All the new Customer has to do is quote the referring Customers account number when they sign up.


Company Name: Utility Warehouse Discount Club
Website: www.utilitywarehouse.co.uk
Address: Network HQ, 508 Edgeware Road, The Hyde, London, NW9 5AB
Executive Chairman: The Honourable Charles Wigoder
CEO: Andrew Lindsay MBE – Olympic Gold Medal winner (Sydney 2000)
Cost: £25 / £100 / £199.95 dependent on chosen Distributorship


Business Opportunity: 2/10
Customer: 8.5/10

To join Utility Warehouse as a Customer, either visit their website and click on the Contact Us tab, then scroll to the bottom and fill in the online contact form, or phone them on 0333 777 3212 (local rates apply)


If you are looking for a business opportunity which is TRULY home based and can be built on your computer, or you are a Network Marketer struggling with the ‘old school’ methods of growing your business and want to build your personal brand online without having to harass friends, family and neighbours then check out my Number 1 recommended product here.

I would also love to hear from existing and former Utility Warehouse Distributors and potential Customers. Please give me your thoughts on this review in the comments below.

Thanks for stopping by!

Richard Brennan

My Wealthy Affiliate Review For 2018

Welcome to my Wealthy Affiliate review for 2018. My name’s Richard Brennan, and in this post I aim to answer any questions you may have on your mind if you’re thinking of coming on board.  I had plenty when I was first looking.




There is no catch. You can take advantage of our free FREE MEMBERSHIP  and have access to a whopping 20 Entry Level Lessons and free access to two Online Classrooms – with no time limit or obligation to commit further.


Whether you are a net newbie or an established online business owner, affiliate or network marketer, or a traditional ‘bricks and mortar’ small business owner looking to build an online presence, there is always room to develop yourskills further.

Wealthy Affiliate is, if you like, a ‘one stop shop’ educational, website hosting and publishing platform which will give you all the skills, services and support you need to start, manage and grow a successful online marketing business or create a dynamic online presence for a ‘bricks and mortar’ business.

It is geared entirely around teaching and helping its’ Members – YOU – whatever your prior experience, to use the internet to grow your business and generate multiple passive income steams with the latest blogging and online marketing techniques, taking you to full self-empowerment rather than just self-employment.


At the end of the day, it’s not the amount of training OR the support that will determine your level of success. It’s what YOU do with it.

Before I go into the ‘nuts and bolts’ of my review, I would like to give you a brief statistical overview along with my own ratings out of 10 based on my personal experience as a Member.



Name: Wealthy Affiliate (Niche Marketing Inc.)
Address: Box 18 2354, Millstream Road, Victoria, British Columbia, Canada, V9B 6L2
Owners: Kyle & Carson
Year Founded: 2005
Membership: Around 1.5 Million Worldwide
Corporate Team: Around 25
Website URL: www.wealthyaffiliate.com
Training: 9.5
Support: 10
Website Building Platform: 9.5
Wordpress Hosting: 9.5
Research Tools: 10
Success Stories: 9
Price: Starter Member FREE / Premium Member US$49 per month or $359 per year
Learn-To-Earn-Online.com Rating: 9.5 out of 10 – OUTSTANDING



Kyle is the ‘Public Face’, if you like, of Wealthy Affiliate. He is a highly experienced and accomplished online marketer and he will be taking you through the training modules as you watch over his shoulder in the step by step, intuitive videos.




Carson’s background is computer science and he is the brains behind the awesome technology of Wealthy Affiliate. He is more ‘behind the scenes’ striving to keep Wealthy Affiliate at the pinnacle of technical excellence. He will happily help you with any technical issues you may experience at any time.




There is some negative commentary out there, but in all honesty the biggest critics of Wealthy Affiliate are Kyle and Carson. They are the first to acknowledge that the system is not perfect – and let’s be honest, no system is perfect – and they are both constantly striving to improve the user experience and give us Members the best they possibly can.

To be blunt, the bulk of the gripes come from people in the following categories:


Former Members who joined with unrealistic expectations of being millionaires in a few months. They may have dabbled but were not persistent or consistent in doing the training and may not have actually applied what they learned. Some may never have even started the training in the first place…….we get ’em all!

Then there are people promoting other products and services who feel they need to use negative psychology and talk down the competition rather than talk up what they’re offering. Sad, but it’s a fact of life. Thankfully, they are the minority and usually pretty easy to spot!




Wealthy Affiliate makes no bones about not being a ‘get rich quick’ scheme. It takes focus, time and above all patience, and for those who stick with it and apply themselves consistently the results are evident in the many personal success stories from Members the World over.


Almost all of the most successful people in Wealthy Affiliates started part-time, working around job and family commitments. They simply know how to use what time they have productively and efficiently. These are the people who understand that the only place where success comes before work is in the dictionary!




Learning what works today and will work tomorrow is key to your success in the affiliate marketing space. At Wealthy Affiliate, you will get the most up to date and relevant training available, with new resources being added in the ever evolving online World.

There is a clearly defined 4 Step Process to building a business online which anyone can follow regardless of gender, age, background, education, experience or location in the World. The internet is the ultimate ‘leveller’ and success does not discriminate!

The most obvious, and most effective, thing to do when choosing an interest is to choose something which you yourself are passionate about, like a favourite hobby. For example, my Wife Raquel and I are both into natural health and wellness, so I could research and develop niches in any of the following:

• Vitamin supplements
• Chemical free home care products
• Organic skin care
• Slimming
• Detox
• Healing with Essential Oils
• Natural energy boosting products for sports people

To name but a few.

To date, there are around 750,000 affiliate programmes out there in various niches offering over 500 million products online. With a little diligence, you could find one that resonates with you and learn how to monetize it with Wealthy Affiliate.

Are you blown away? You damn well ought to be!

Before I get into the specifics of the training at Wealthy Affiliate, I want you know that if you have any questions, please feel free to scroll down to the bottom and put them in the comments box, and I will do my best to get back to you within 24 hours.

So…..either write it down or scroll on and do it now before you forget what you wanted to ask!


There are two separate, task based courses in which the lessons are a mix of text and video tutorials where Kyle gives you an ‘over the shoulder’ walk through of everything involved. You can do either one or you can do both in whatever order you wish.

These are the


Let’s look at each of these in turn:


The Online Entrepreneur Certification course consists of 5 Phases each of 10 Modules and walks you through the process of creating and growing a business within absolutely any niche you like.

Phase 1
– Getting Started (Free and Premium Members)


Phase 2
– Building Your Own Traffic Producing Website (Premium Members)


Phase 3
– Making Money! (Premium Members)


Phase 4
– Mastering Social Engagement (Premium Members)


Phase 5
– Achieving Maximum Success Through Content Creation (Premium Members)



The Affiliate Bootcamp consists of 7 Phases each of 10 Modules which walk you through the process of creating and growing a business by promoting Wealthy Affiliate.

Phase 1
– Getting Your Business Rolling (Free and Premium Members)


Phase 2
– Content, Keywords and Conversions (Premium Members)


Phase 3
– Giving Your Site Social Value (Premium Members)


Phase 4
– Get Visual. Get Aesthetic. Get a Brand Through Media (Premium Members)


Phase 5
– Knowing Your Audiences & Catapulting Your Referrals (Premium Members)


Phase 6
– Bing, Yahoo & The Power of PPC (Premium Members)


Phase 7
– How to Scale Successful PPC Campaigns (Premium Members)



As well as the two courses, there are:

• Weekly live, interactive video classes which are archived so you can catch up if you couldn’t make the live class.

• Over 1000 video and text based tutorials from experienced fellow Members which you can access any time.

• 24/7 live chat forum within the community.

• 24/7 technical support with an average 5 minute response time.


Wealthy Affiliate’s greatest asset is its’ Community – your fellow Members from all walks of life and educational backgrounds who all started out the same as you – from scratch.

One of the biggest frustrations I had in other programmes I’d been in was having nobody to ask for help when I got stuck.


Many of the Ambassadors in Wealthy Affiliate (the highest ranking Members) have years of experience and are happy to give back the knowledge they have gained and the support they themselves received in their early days. This ‘pay it forward’ spirit within the Community is what makes Wealthy Affiliate both special and unique in the online marketing World and both Kyle and Carson spend much of their time in the Community helping people out in real time.


Where else would you get direct access to the CEOs without even being a paying Customer?! I don’t know of anywhere and I think it’s absolutely awesome that Wealthy Affiliate places that kind of emphasis on supporting and helping its’ Members.


Here at Wealthy Affiliate, we understand that your website and your online business are one and the same, and we know how vitally important it is for you to have the most advanced technology to keep your business fully operational 24/7.

SiteRubix is Wealthy Affiliate’s own platform for building, managing and hosting WordPress websites.

• Free Starter Members get 2 free SiteRubix.com websites.
• Premium Members get 25 free SiteRubix.com websites and 25 websites on their own domains.

There are so many advanced and exciting features available with SiteRubix, that to list them all here would take up too much of your time right now, but in a nutshell SiteRubix allows you to:

• Register your own domains ‘in house’.
• build a WordPress website in under a minute on any of over 2000 WordPress themes with no knowledge of the     complex html programming and technical know-how that were required in years gone by.
• create content with Wealthy Affiliates own bespoke Content Writer tool.
• have access to over 800,000 royalty free images.
• manage your website 24/7.
• host your website ‘in house’ for free.

Some of the features included in SiteRubix are listed below

• Site Builder (Free and Premium Members)
• Site Content (Free and Premium Members)
• Site Domains (Free and Premium Members)
• Site Manager (Free and Premium Members)

Should you choose to upgrade to Premium Membership, you will also have available to you a number of EXCLUSIVE SiteRubix technologies to make your website secure from hackers and spammers and also lightning fast.

• Site Speed
• Site Protect
• Site SSL
• Site Comments
• Site Feedback
• Site Support

So, there you have the SiteRubix platform in a Nutshell, and your website will be officially up and running in a few quick, simple steps. As we help you move forward with your training, you will be building out your website content and learning how to get it indexed and ranked in the Search Engines for free, which will save you a fortune in paid advertizing!

By following the training, you will be able to build a WordPress website from scratch in under a minute, even if you have never done it before!


Wealthy Affiliate truly specializes in providing you with a fast, secure and robust platform for you to run your website and the powerful hosting you have access to is unparalleled in the managed WordPress hosting industry.
Premium Members have access to managed and automated monitoring, 24/7/365 site support, virus and malware protection, and the most powerful servers out there – the equivalent of external hosting packages that would normally come in at $250-300 per month!


Research is fundamental to the success of any business and Wealthy Affiliate uses an amazing Keyword Research platform called JAAXY which allows you to zero in on what people are looking for on the internet. So let me just give you a quick overview of the Jaaxy Keyword Research Tool.


Jaaxy is so incredibly functional, it is referred to as the ‘Swiss Army Knife’ of keyword research tools!

Let me show you some of the awesome features of JAAXY

• Finds Keyword search volume
• Shows potential traffic volume
• Determines the difficulty of competition
• Finds related keyword data, effectively making it a Keyword     discovery tool
• Alphabet Soup function which throws up an A – Z of related keywords
• Search Engine Results Page (SERP) analysis
• SERP competitive analysis
• Site rank check
• Domain availability
• Affiliate programme checker
• Auto rank tracking
• Keyword rank checker
• Keyword brainstorm tool linked to Google Trends – great for finding keywords linked to trending ‘hot topics’
• Keyword list facility where you can store all your researched high quality keywords

There are different membership levels of Jaaxy, and Lite membership is included in the cost of Premium Membership here at Wealthy Affiliate. JAAXY Lite gives you the following:

• Unlimited Keyword searches
• 20 Keyword results
• 25 saved Keyword lists
• 100 Site Rank scans
• 10 letter / alphabet soup results
• Manual quoted search result – the competition for that keyword
• Manual domain availability
• Affiliate programme search – to help you develop a money making niche
• Sort Keyword data


Every year, Wealthy Affiliate send their top performing affiliates on a luxury, all expenses paid trip to Las Vegas on their 4 day Super Affiliate Conference!


Business is discussed during the day in an informal, fully catered ‘round table’ setting all geared around improving the Wealthy Affiliate user experience.


But it’s not all work and no play, as this picture of the happy 2018 Qualifiers shows!

The evenings are packed with entertainment from shows, the casinos, luxury dinners, craft beer and wine tasting, golf, bowling, etc. Not only is it ALL PAID FOR – you get spending money too!

To qualify, all you need to do is enrol a minimum of 300 new Premium Members between January 1st and December 31st and on New Year’s Day, the counter goes back to Zero. This applies to everyone who qualifies and not to a limited number. 2018 saw 15 Affiliates attend. More qualified, but family and other commitments can get in the way. Numbers are not limited – all who meet this criteria will qualify!



There are so many advantages to Premium Membership.

You can stay a Free Member of Wealthy Affiliate for as long as you like – it is not a Trial Period and you will never be put under any pressure to upgrade.

However, now that you have seen the comparison between Free and Premium memberships and the vast amount of additional benefits that come with Premium, I’m sure that once you’ve been with us a short while, you will wish to upgrade. Take a peek inside to see the wealth of additional benefits of Premium membership.

Premium comes in at $49 per month (total over the year of $588) with your first month discounted to $18 if you upgrade within your first 7 days (down to $557 over the year).

You could save even more money by choosing to pay for your Premium membership annually for $359. That’s a saving of $229 or almost 40%!

You can choose to do this at any time after upgrading to Premium, you don’t have to do it straight away if you are unable or don’t wish to commit to a years’ membership.

Remember this is a BUSINESS and when you compare it to the cost of a franchise (equivalent to $60,000 in the UK), it is a bargain when you consider what it can give you without all the headaches associated with running a conventional ‘bricks and mortar’ business.

When I first started, I looked at it this way:

Monthly membership requiring a total investment of $588 over the year breaks down to $1.61 per day or $11 and a few cents a week which is roughly £8 here in the UK. What personal and non-essential luxuries could I sacrifice over the week to save that money and fund my own income producing asset which could make me very rich in a few short years?

Well, here is what £8 will buy me on this side of the Atlantic in 2018:

• Around 16 cigarettes out of a packet of 20 (I’m a non-smoker BTW, this is purely illustrative!)
• 2 pints of beer down the pub….or 1 pint and a glass of wine if I take the Wife with me!
• A bacon bap and a mug of tea at my favourite café in town twice in the week or…
• A latte and a blueberry muffin twice in the week at Starbucks if I’m feeling ‘posh’ and if it’s on special offer!

I’m sure, like me, you like to get the best deal. That $229 I saved myself by going annual will allow me to claw back an additional nice steaming mug of tea with a bacon bap at the café or a pint down the pub!

Upgrading to Premium membership is purely optional, there are people who have been in Wealthy Affiliate for years who are still on free membership and that’s fine. You won’t be pressured by any of those annoying upsells you get in the other programmes that are out there.


In the early days whilst you are building your sites and waiting for your content to rank in the search engines and generate affiliate commissions, there are ways to use the knowledge and skill you will have built up so far to earn a decent offline income. Here are a few ways you could do it

• Become a Freelance Writer
• Build and manage websites for local small businesses
• Advize local businesses on SEO, social media marketing, analytics, etc

To name but a few. You will have the advantage here over other Web Managers working for local businesses. Wealthy Affiliate doesn’t only teach you the techie stuff, it teaches you marketing – how to write articles that get people to buy stuff and earn you or your clients money. It is a platform BUILT BY MARKETERS FOR MARKETERS.



Well, I went on a bit longer than I intended to there, folks, but there is so much exciting stuff going on at Wealthy Affiliate that I just got a little carried away! It is without a shadow of doubt the most innovative, forward thinking and cost effective online business building platform out there.

You can do your due diligence and check all of this out yourself FOR FREE and that is what I recommend you do before you part with any of your hard earned money.


Should you wish to upgrade to Premium at any time, you will have access to all of this for less than $1 per day if you choose to pay yearly. And I have no problem at all in sticking my neck out and saying what outstanding value that is!
So to wrap up, thank you so much for visiting my website and taking the time to read this review. I hope you have found it both informative and inspirational.

If you are still reading then you have proved that you have the mindset to create profound and positive change in your life.


Please, if you have ANY questions at all if you can think of anything I might not have covered here, do not hesitate to pop them below and I will be happy to help you. I would also love to get some feedback from any current or former members of Wealthy Affiliate who may be reading this.

I look forward to welcoming you on board.

PS. Instead of just taking my word for it, why not take a peek inside and see what other members are saying.

Your friend and mentor


How To Create Free WordPress Websites In Under A Minute

In this article, I would like to show you how to build a WordPress website from scratch in under a minute, even if you’ve never done it before!

Building a website has never been easier than it is now.

Gone are the days when you needed knowledge of HTML programming and had to manually code everything – a slow, painful process that would take several days or cost a small fortune if you had to hire an expert to do it for you.

All the old technological barriers have been completely broken down with the coming of Content Management Systems such as WordPress, the most widely used CMS in the World today.

This website is the first one I ever built. Previously, my online IT skills amounted to little more than creating documents and attaching them into e-mails!

And yet I had this site up and running in no time. In fact, the hardest part was thinking what to write in my posts!


You have a website, which is effectively your ‘online presence’ and then you have ‘hosting’ which is the place where your website is stored and from where your viewers access it. I believe there at 5 things that make a key critical difference between a quality website and one that is lacking.

  1. Appearance – First impressions count
  2. Speed and time to load – people want the information quickly
  3. Navigation – well laid out and easy for Visitors to find what they’re looking for
  4. Content Management System (CMS) for ease of build and maintenance
  5. Quality content – engage your visitors interest

If you can achieve these 5 things, your website will become very profitable and this will be far quicker if you are using a ‘turn key’ system such as WordPress which simplifies the whole process and can take less than a minute to build your website.

WordPress is the system we use here at Wealthy Affiliate and features around 2000 different templates and over 10,000 ‘add on’ features for website functionality.

We will provide you with not one – but TWO – custom built websites with extras!

  • Our own exclusive SiteRubix FREE domains
  • FREE hosting
  • FREE 24/7 technical support
  • Simple to follow step-by-step video tutorials to guide you through the whole process
  • Immediate support from within our caring Community


Once you have built your websites, you will be ready to learn how to drive traffic towards them so that they will EARN YOU MONEY OVER AND OVER AGAIN!

WHAT IS SiteRubix?

In a nutshell, SiteRubix is Wealthy Affiliates own technology platform which offers connectivity between many business environments uch as WordPress, hosting, site security, site analysis, plugin management, keywords, content and the underlying technologies.


I’ve shown the typical costs in $US, as this is the currency used by Wealthy Affiliate and most global Web Service Providers, so please convert into your own currency.

  • Domain Name $10 – $20
  • Hosting – can be in excess of $100 a year depending on level of service
  • Webmaster fees to build your site $250 – $1000+
  • Annual maintenance fees $500+ per year


Wealthy Affiliate is an all-inclusive training, support, registration and hosting platform where everything you need to build, run and monetize you website is in one convenient place where you can access 24/7/365 at zero cost to you.


The first thing to do is CREATE YOUR FREE ACCOUNT

  • Simply enter your chosen website into the .siterubix.com box
  • Click the “Build My Free Website” Button
  • Enter your name, e-mail address and basic information
  • Click “Create Account And Continue”

Then follow these 4 simple steps


STEP 1: Select WEBSITES in your side menu





STEP 3: Chose from one of many themes to create the look that you want for your Website.


STEP 4: When you have chosen a look for your Website, click ‘I’m Ready, Build My Website Now!’

This automatically does all the technical stuff behind the scenes, such as setting up security, monitoring and databases, etc, on the Hosting Platform, so that you don’t have to like in the ‘Bad Old Days’.

So, you now have your first free website up and running and are ready to follow the training videos which will show you how to drive traffic towards it for a profit!

Please feel free to leave comments or ask me any question you like, I am always happy to help.

Your e-mail address will not be published.

Your Friend and Mentor – Richard

What Are The Best Online Business Systems In 2018

In this post I would like to explain to you the most effective online business model in 2018 – AFFILIATE MARKETING – and show you how you can GET STARTED TODAY FOR FREE!




Put very simply, Affiliate Marketing is the method by which someone promotes a company’s products or services in exchange for a commission.


Have you ever bought a product or service through a personal recommendation?

Have you ever eaten in a restaurant that someone has recommended to you? If so, did you enjoy your meal so much that you also then recommended it to someone else?

Now, when those people whom you recommended the restaurant to went to eat there, did you get a percentage of their bill paid to you as a commission? Probably not! However, you brought that restaurant extra business that they would not have had if you had not recommended it. Just as did the person who recommended you. That is the essence of Affiliate Marketing!


The World Wide Web has revolutionized the way Merchandizers get their products in from of Customers and as a result, Affiliate Marketing has evolved from being merely a way companies expand their reach online to being the very essence of their brand.

The most obvious example of an online Retailer, of course, is Amazon. It is highly probably that YOU will have bought something via their website.

When you did this, it is almost certain that you were taken to the sales page via an affiliate link and the Affiliate would have earned a percentage commission on your purchase.

Amazon how have around 500,000,000 (yes – half a billion!) products and a network of thousands of Affiliates throughout the World promoting those products via their affiliate programme ‘Amazon Associates’.

And it’s not only Amazon. Online shopping now makes up more than half of total retail!

In 2016, the percentage was 51%, compared to 48% in 2015 and 47% in 2014.

Roughly half of Smartphone users currently make purchases through their device and the trend if moving rapidly upwards.



In fact all major online brands – Apple, BestBuy, Hotels Combined, Trip Advisor, Virgin and many more are now being built by Affiliate Marketing!




There are literally HUNDREDS OF THOUSANDS OF AFFILIATE PROGRAMMES to chose from which pay COMMISSIONS OF UP TO 75% for sales of products which are then shipped directly from the Supplier to the Customer. The Affiliate doesn’t actually handle the products at all!


The advantage to the Retailer is that most of the expensive ‘Middle Men’ associated with the traditional Retail Supply Chain, such as Sales & Marketing teams, expensive advertizing  and of course High Street shops which have to be rented, staffed, heated, lit, stocked, etc, have now been replaced by individual, independent Affiliates who are paid on a sale only basis.

This saves the Supplier a fortune, which can then be used to keep prices down and pay commissions to the Affiliates who bring in the sales.

The advantage to the Affiliate is that he or she can own and run their own business set up for them at source and earn commissions without having to develop, produce, stock or ship their own products or services or cope with any of the headaches that come with a traditional ‘bricks and mortar’ business.

The Affiliate Marketing industry is forecast to be worth $6 Billion by 2019! That is going to be like a huge tidal wave – just imagine yourself being stood in front of it  and being picked up and carried along by it! 


There are products and services that you use every single day whose suppliers will have their own affiliate programmes.







Companies are always looking at ways to reduce costs and all of the Middle Men mentioned earlier are expensive overheads, Since Affiliates are only paid on a sale only basis, they do not cost the company anything if they don’t bring in sales so they won’t face being fired.

How much or how little you do is entirely up to you. An under-performing Sales person, on the other hand, would not have that luxury!

Active Affiliates are considered valuable assets and therefore companies are looking to recruit more and more Affiliates all the time. At no point will a company say to one of their Affiliates ‘Whoa….steady on. You’re bringing far too many sales in.’

Why would they….? The more they are paying out to their Affiliates in sales related commissions is a direct reflection of how well their business is doing!

The traditional corporate practice of ‘downsizing’, ‘rightsizing’, wage restraint, etc, has been completely turned on its’ head!



The WEALTHY AFFILIATE TRAINING PROGRAMME which has been around since 2005 and has over 1 million Members Worldwide will provide you with all the tools, training and support you need.

If YOU are ready to create the life you want and deserve, check out our FREE AFFILIATE MARKETING TRAINING COURSE  HERE and I’ll see you on the Inside!



Please feel free to comment or ask any questions you like, I am always happy to help. Your e-mail address will not be published.

Your Friend and Mentor – Richard

How To Work From Home And Make Money Online

Do you to get paid to work online from home but don’t know where to start?

Or are you already a business owner looking to leverage the enormous power of the internet and possibly add a few extra strings to your bow?



If your answer is YES to either of those questions, then you need to read this page to the end as I am going to show you how you can get started for free in the next few minutes! Just read on to the end….

If you are like most people who look into starting an online business you will probably have experienced apprehension and information overload, and if you did actually get started, you will have ground to a halt. That’s why I would like to help you.


I want to show you the most ethical and simple to follow money generating programme on the Net, established in 2002 and today having a Community of over 1.4 Million Members Worldwide.

We have people from all walks of life, abilities and educational backgrounds. Whether you are a skint Student, a stay at home parent, unemployed, disabled, a struggling undervalued employee, a Service Veteran, a qualified Professional, a retired Pensioner, an aspiring entrepreneur or simply hate your job and want to get out of it, you will find people within our Community whom you can relate to and who will relate to YOU.

Despite being a very diverse bunch, we all have one thing in common – we weren’t happy with our situation in life and so we decided to do something about it rather than simply contemplate our navels, wishing that life wasn’t so complicated and unfair.



Setting out in business for yourself can be a scary and daunting prospect. There is a world of difference between having your own business and simply ‘owning your job’ like a Tradesman or a Freelancer, etc. 

Here I will show you how you can work from home online and get paid the money you want for the time you’re will to commit.


  • Do you crave financial freedom – being able to afford to do what you want when you want?
  • Do you want a better work / life balance to enjoy more time with loved ones?
  • Do you want to return to full time education or pay your kids through University?
  • Do you want to care for a sick or elderly relative?
  • Do you want to leave a financial legacy to a loved one or a favourite cause?
  • Do you want to pay off the mortgage or some loans early?
  • Do you want a new car or the holiday of a lifetime?
  • Do you simply want to stop struggling and worrying about those bills?

Before I cut to the chase about what you will need to achieve online success, here’s a question from me to you


  • No I.T. or technical skills?
  • Fear of stepping into the unknown?
  • Fear of failing?
  • Fear of what others will think or say?
  • Is it even fear of success…? You’d be surprised at how common that actually is.


Perhaps what has held you back is fear of financial loss, especially if you have no experience.

That is why I favour the try before you buy approach. On my site, you will see the option for FREE MEMBERSHIP of a cutting edge programme which will give you all the skills you need to get started making money online.

You can read my Review here


So, here at learn-to-earn-online.com, you will have access to our structured training so you can be in profit without having to pay a penny up front and you can remain a free member for as long as you like – it is not a Trial Period.

This is the only programme I’ve come across since I started online way back in 2011 that actually does all the things it claims to do – giving ordinary people like you and me the opportunity to build a work from home business on their computer or laptop, and generate recurring commissions on auto-pilot – PASSIVE, RESIDUAL INCOME!

So, now let me show you the 3 factors that make the difference between success and failure online.


Whilst people are different and build success in different ways, here are the 3 common factors with people who succeed in making money online:

THEY HAVE SUPPORT – If you’re like me, you find getting stuck extremely frustrating and there is nothing worse than not having someone to help you out.

THEY HAVE THEIR OWN WEBSITE – Nobody can succeed online without a website – period. But don’t be worried. By following our simple, step by step, intuitive training programme, you can have YOUR OWN FREE WEBSITE up and running in a matter of minutes.

A STRUCTURED LEARNING PROCESS – Every new skill we learn – like walking as a baby – takes practice, and it’s the same with learning how to generate an income by building your presence online. The more you practice, the better you will become and the more you will eventually do on auto-pilot. Even if you’re a Middle Aged Technophobe like me!


Here’s what you get when you SIGN UP FOR FREE!

  • 24/7 Help & Support
    • One to one with our friendly Mentors in our Live Chat forum
    • Help within a community of thousands of users who All started out the same as YOU
    • Ongoing relevant discussion threads
  • 2 Free Fully Functional WordPress Websites With Free Hosting
  • Training Galore
    • Video Classes
    • Tutorials
    • Structured Courses

All this without having to open your wallet!

When you join us as a FREE MEMBER, you will get access to all these amazing resources, training and support. Please read my in depth review of the programme HERE

See you on the Inside!

Please feel free to comment or ask me any question you like. I am always happy to help.

Your e-mail address will not be published.

Your friend and Mentor – Richard



About Me


My name is Richard Brennan and I live in the beautiful County of Shropshire in England with my Wife and our two young Sons.

I come from a military background, following in the footsteps of my Dad and joining the Armed Forces at the age of 18. I stayed there for 15 years, seeing quite a bit of the World.

When I returned to Civilian life, I ventured into the telecoms industry before the bubble burst in the early 2000’s. I took the opportunity to go offshore sailing in Australia, qualifying as a yacht skipper, and when I returned I ended up drifting between jobs, working long hours for lousy pay as a security guard, cleaning holiday chalets, labouring on building sites and washing up in restaurant kitchens.

A life of ‘Sundowners on the Quarterdeck’ of some millionaire’s yacht I’d be skippering was out of the question since I was now engaged to be married!

I disliked the corporate world intensely with it’s office politics, dog eat dog culture and it’s stifling political correctness and so I ended up re-enlisting for 18 months.

I decided that self-employment was the way forward for me but I didn’t have a clue where to start.

I discovered a thing called Network Marketing and worked it hard with some apparent success but I ended up crashing and burning with a mountain of debt, just like many people who become involved who aren’t sales orientated.

It was a huge emotional roller coaster ride, but I did learn some valuable lessons along the way and I remained steadfastly determined to succeed and make my own way in life rather than resign myself to being somebody else’s Wage Slave until my still distant retirement.

I realized I needed MENTORS, not whoop-whoop, happy-clappy, back-slappy ‘motivators’ and I set about looking for ways to build my business online and of studying the people who were doing it successfully.

After having fallen for a couple of scams and not being particularly inspired by some of the genuine programmes I’d joined, I eventually came across a programme called WEALTHY AFFILIATE. You can read my in depth review and find out how you can join FOR FREE at the end of this post.

My eyes were opened and I got excited. I could see that here was a REAL home based business opportunity with none of the hyped-up ‘get rich quick’ promises and no pressure to start hitting on family and friends.

I saw an innovative and relevant 21st Century training programme which was structured and broken up into simple to follow modules geared around teaching people with no prior experience or technical knowledge how to build and develop niche websites to enable them to monetize their own interests and passions on the internet.

The training is World class and the willingness of the more experienced in the Community to share tips, information and encouragement was a real eye opener.

I saw that I could immediately call on support from within a pro-active Community of like-minded people who had all started out from scratch, like myself.


I cannot describe how reassuring it was for me to know that by joining Wealthy Affiliate I was now genuinely IN BUSINESS FOR MYSELF BUT NOT BY MYSELF and the the only limits anyone has in this programme are the ones they set themselves.


The most important thing I learned during my military service was LEADERSHIP – a hugely different kettle of fish from management.

A Manager says ‘You go and do it’, a Leader says ‘Let’s go and do it’. A Leader sets the right EXAMPLE. A Leader commands RESPECT by treating his or her followers with respect and never gets anyone to do something he or she has not already done or would not be prepared to do. A Leader gives SUPPORT and shows the way.

Everybody has their own individual take on success, and I give you my absolute word that I will work with you to help you to achieve the level of success that YOU desire, whatever that may be, just like my fellow Leaders in this amazing Community have done and are still doing for me and thousands of others like you.

Please CLICK HERE to read my warts and all review of Wealthy Affiliate and find out how you can join the programme FOR FREE.

Please feel free to comment or ask me any questions you like, I am always happy to help.

Your e-mail address will not be published.

Your Friend and Mentor – Richard