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I ascertained that she was alive and conscious, and then much discussion ensued about how to get me to the scene. One of the good Samaritans who stopped to help offered to pick me up (Kelly was driving our only car). But traffic had been stopped in both directions on the parkway. It was only two miles away. I grabbed a backpack, my iPhone, and lots of reading material (ever been to an emergency room?!), hopped on my bike, and pedaled furiously in the rain..

The AmEx collection rep was professional and firm, but relentless. She even suggested I skip a mortgage payment in order to pay them instead. (I declined) Some time in January, we reached a standoff, and finally she called in her manager who quickly offered me a work out plan to pay them over two years. A ray of light at the end of the tunnel. I tried not to sound too eager when I said yes.

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And yet people complicate it so much that they write entire books, and have entire courses to teach you these "skills." But they're missing the whole point, really. Because network marketing is really about customers.

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And why do they choose to sell their products through network marketing? Because network marketing is really the most efficient way of selling products.