Tuesday, December 30, 2014

MG Faces and News

John Daniels explaining PayAnywhere, Part 1: John and Part 2: FACES IN THE MERCHANT GUARD WORLD: The lovely Lynne Pinner and soon-to-be new Agent daughter: Rick Andersen, San Diego, with the visiting Avita! ****************

Monday, December 29, 2014



Hope your Holidays were as wonderful as ours, which we got to spend with family FAR AWAY.  One of our daughters and her husband teach school and are currently in Cyprus, with two of our grandchildren.  Here are some pics so you can see what a FANTASTIC country Cyprus is:

Grandson and me in front of first home we stayed in.

Third place we stayed.

Daughter and me at St. Paul's (he came here, you know) for Christmas morning Eucharist.

Food was AWESOME and we recommend wholeheartedly this friendly, clean, beautiful country if you want a great ancient place to tour.


BUT YOU GUYS haven't been vacationing:  Leslie Juencke has a LOT going on and has us set up for  training of her new Agents this week.  Wayne Harrington called in from GA just now and has two new Agents signing up today:  PLUS THEIR residual this month is growing -- 4 times what it was last month!  And that's just the beginning of the list of 'what's happnin now'!

MEETING IN SAN DIEGO TONIGHT:  Host Rick Andersen.  Special Guest Merchant Guard Office Manager and THE WOMAN WE LOVE, Avita Pizano -- direct from INDIANA!!

7PM  Conference Room, Sun Harbor Marina

For directions contact Barb here or Rick.


Prayers are for Agent Ted Dawes quick recovery from surgery!


Love this PayAnywhere video from Clint Arthur but remember:  this just for YOUR info.  Don't send it out to anyone without making sure they have YOUR information on how to sign up for this neat unit.

Tuesday, December 23, 2014

Friday, December 19, 2014

a room with a view

view from our room tonight.... Wish you all were here. It is so peaceful and gorgeous and deserted in this resort town which is booming in the season.  We are off for a few days to tour Southern Cyprus and Western Cyprus so there'll be lots more awesome pictures with season's greetings to each one from the cradle of civilization.

Tried to read the history of Cyprus last night. By 500 BC I was exhausted from all the thousands of years that had gone on before. People have been here a loooong time! Peace on earth --- goodwill to men.

Tuesday, December 16, 2014

Our dtr and son in law moved to Nicosia, Cyprus ( with 2 precious Gr Kids) back in August to teach in International School System. This is after .two years teaching in Cairo, Egypt where they had no car and did NOT drive.

Barb and  I arrived Friday nite with a rental car at our disposal. 4 things different from prior rental cars for us:
1. Steering wheel on right side
2. GPS totally in Greek
3. Cars drive on opposite side from U.S.
4. All road signs in Greek

And NO DRIVERS LICENSE required for first 7 months of driving.

Riding with our  dtr and S in L
Reminds me of being in a race car.

What an experience. At least I had a 15 minute training drive in a driving rainstorm.

Tried to get Barb to give it a try and she said ONLY if I am dead.

Having great time so far and at grocery storetoday we noticed they sure need our Merchant Guard terminals.
They still use ancient inventory and checkout methods.

Just think---all our growth is in front of us.


Michael R. Lammons
Pacific Coast Manager
Merchant Guard

Note:  most recent recorded interview is FILE 5!  BE sure to give it a listen. 


Greetings from Cyprus

Greetings from the other side of the world!

This is definitely the best business in the world.  Here we are on the other side of world visiting with family that lives thousand of miles away. And you  keep on building the business for your reasons.

As you grow your business to build your team you put the exact same leverage to work for your own self and your own family.

Thank you to Rick Andersen for conducting the Sunday night weekly wrap up call. Can't wait to hear the recording ourselves. You can call into it by using the dial in number and file #7 on the media file page on this blog.

We will be here for 2 more days before heading for Famagusto and the Troodos Mtns.  for about a week.  Mike is learning to drive on the wrong side of the road which is correct here, while I'm trying to navigate without english or a map.  Hope that your days are wonderful and your christmas season is blessed!  Mike and Barb

Wednesday, December 10, 2014

MG is Mind-boggling!

Via text from Mike:

Barb and I r heading to SFO in couple hours for our trip to Nicosia, Cyprus. Will return on 28th. We will not have cell or text service but email will work.

Here in Bay Area, Talking bout 3" rain, 60 to 80 mph winds, massive power shortages, floods and 3' snow in Sierras--      All beginning tonite.   

Had great mtg last nite with Marlyn Ano and some of her Team. She took us to eat at a delish Filippino restaurant, 'TasteBuds' on San Carlos just east  of El Camino.

Food was superb and Marlyn talked to owners bout their processing fees. They AVERAGE $7,000 MINIMUM DAILY credit card billing. Unbelievable when u see this building--  very small, unassuming place.  Folks, give every your brochure and card:  we are continually amazed at the volume of billing that passes through the least impressive places!  Plus, They are so excited to have Marlyn save them money.

Wish each of U Merry Xmas and Happy Holidays.


Michael R. Lammons
Pacific Coast Manager
Merchant Guard

559 824 3254 Cell & Text
Barb's blog:


MG is mind-boggling!

We have, let's see, less than 100 MG Agents WORLDWIDE, representing 2 top processors that process BILLIONS annually, on the precipice of global processing and did I mention.....

Guys, yes contact those merchants, but be aware that our mission needs HUNDREDS more active Agents so share your biz with others, too!


Reminder:  Some great features of the PayAnywhere product:

  1. Next day funding
  2. No contract
  3. Free wireless terminal and 2 swipers
  4. AmEx same as V/MC, etc.
  5. Full software for running business
  6. No need to get statement from merchant
  7. Simple online signup
 Reminder:  why EPI product is best for many merchants:

  1. Next day funding
  2. No contract
  3. $500 best rate guarantee
  5. Live, in US, tech support EVERY DAY EVERY HOUR!
  6. Amex One Point rate
 Regarding #4 above, we saw a statement sent through last week and the analysis showed that the merchant had an excellent rate, very competitive.  Surprisingly so. Hmmmm, where's the rat?

John found it:  merchant had been also signed up for a 4 year least on his terminal (the one we give for FREE) for $40/month, 4 years.

I'll try to find the tv news expose here in Bay Area that Dave Margolati saw recently about this very thing:  unaware merchants being signed to unbreakable leases on equipment which is really a scam!

Let your merchants know that MG doesn't do things like this:  best service, best rates.  That's what we stand for!

Tuesday, December 9, 2014

Meet Us SSF

Join us with Mike and Barbara Lammons this Tuesday ( today )  at 3pm in South San Francisco for more insight on Merchant Guard.
They will be here the whole afternoon/evening for any questions you may have on the credit card processing industry.
(Contact Marlyn or Mike/Barb for details.)

Monday, December 8, 2014

Marlyn Ano for her great interview last night!

Thanks to Marlyn Ano for her great interview last night.  Be sure to dial in and listen to the brieif recording (below) or download for sharing online from the Audio page.  The ease, the convenience and the savings are all things that your merchants will appreciate hearing about.


Stop tyranny!  Help a local business today! 



Stop Thinking:   START SHARING

 And watch your merchant card processing income begin to grow!

Sunday, December 7, 2014

From the mouth of a Merchant

Hear life-long merchant Marlyn Ano interview:

Dial in:
(605) 562-0029
Meeting ID:
Recording File #4
This is a 20 minute audio that some of your friendly merchants may want to hear! Marlyn speaks from years of experience as a merchant dealing with card processors.


Saturday, December 6, 2014


Happy Saturday!

I had a great day yesterday toodling around looking at nice homes ready for Christmas (to benefit Valley Children's Hospital) and am busy getting ready for our Cyprus trip.

Looks like John was busy, too!  Here he is (courtesy of renowned Swedish filmmaker Rick Andersen) highlighting some of the features of the PayAnywhere wireless terminal.

Below that is some of the entertainment awaiting us in Cyprus!!

ευτυχείς αγορές
ef̱tycheís agorés  (That's Greek for 'HAPPY SHOPPING!!') 

Thursday, December 4, 2014

Merchant Guard Mission is 2-pronged

Our 2-pronged MG Mission:

1. Help merchants with their bottom line.

2. Make upfront income while building a solid residual income from facilitating business enterprise.

On the subject of #1, so far a merchant approached by MG Agent Lety Rodriguez wins the prize for the 'Merchant Suffering from the Worst Processing Contract'.

From Lety:
From MG055
'this is a used car lot they sale used cars and also have a towing service... he is currently in a contract with wells fargo for two more years'
From Mike:
"Lety has a car dealer that also has a towing service. 
He loves our EPI proposal: just couple snags. 

Has a contract with Wells Fargo till 3/16 and they will charge him $500 to cancel. 

He RENTS the terminal from XXXMMMM and they told him they will charge him $1,000 to cancel. 

He told Lety this today. He is happy to pay the $500 to WF to get Lety to be his agent. He has had bad customer service from his present processor . 

But he cannot pay the $1,000 to XXMM. "

Rent on his terminal is close to $100/mo. and his fees last month were close to $200  -- an unreasonable amount for his volume!  Poor guy:  Lety is trying to figure out some way to help him.  If he breaks the lease it will ruin his credit.    Stay tuned....


Mark your calendar:

Sunday  12/7/2014  5 pm PST
605 562 0020
code 319 289 214

Good friend I approached to become my customer. Biz owner in downtown San Francisco.

She let me know she  had been in processing biz for OVER 30 years---AS A MERCHANT.

This call will be a classic so invite your biz owner friends.

Marlyn Ano is now a MG Agent and her own customer-saving money AND earning commission.

Mike Lammons



7pm - Sun Harbor Marina Conference Room


Edit for YOUR biz!

Be a Problem-solver!

Wednesday, December 3, 2014

Shake-awake on TWO Levels

Eye-opening processing industry stats to grab hold of today;  on TWO levels it should 'shake you awake' about aggressively building a team of Merchant Agents.

Level ONE:

The emv chip-reading terminals, which you place FREE to your merchants, offer an unprecedented time for you and your team to gather new merchants.  Merchants will have to bear the losses of fraud themselves after Oct. 2015 if they do not get an emv terminal.

You can see that these fraud losses are massive and growing.  Presently MC/Visa bear the loss but after next October they will only do so for merchants using emv terminals.

Level TWO:

See how the pennies add up to riches!  Fraud loss at just one nickel/$100 adds up to close to $15 Billion....
Moral:  get those merchants and don't worry about  what your 20% equals.  On one merchant, probably not much.  Your most profitable mission is to save several merchants money on their  processing AND find a few other Agents to do the same.  Crazy profitable.

Tuesday, December 2, 2014

An auspicious time

Housekeeping Note:

As you know, a new Agent has 90 days before merchant account requirements kick in to receive Levels 2-7 residuals, etc.  (We call this a 'grace period'.)

It is hard to believe but the very first grace period for our very first MG Agents -- through MG060 -- will be up Dec. 24, 2014!  The end of our very first quarter:  such a new company!

Avita says:  "The end of the year is a great time to get accounts (from experience) most accounts like to start fresh for the new year. The time is now get them set up and make sure their equipment is there by the end of the month so they can cancel their current processor by the first. "

This is an auspicious time to revisit some merchants and approach some new ones  so your  2015 and theirs gets off to a great start.


Mike and I will be off to Nicosia, Cyprus, next week to be with family for Christmas.  Next Tuesday before flying out Wednesday will be with MG Agent Marlyn Ano and her team in SF for a Merchant Guard party.  Marlyn is in process of selling her store so she can focus on MG, family, hobbies and LIFE!  We are so happy for Marlyn.

If you have someone in the area who'd like to get with us, let Mike know.


Can't wait to see this grandson for Christmas!


Monday, December 1, 2014

Yes, we're CYBER, too!

Hope you're stuffed and shopped-out and had a great Thanksgiving season!
Great call with Special Guest, Merchant Guard Co-Founder and Friend John Daniels.  In case you missed it, listen in below:
Playback Number:
(605) 562-0029
Meeting ID:

File 3


Condolences to Roger Arthur on the sudden loss  of his wife of 44 years, Marilyn, to a stroke this last weekend.


This from Avita:


Hope you guys had a good Holiday weekend.

David suggested Tiny Scan app. You can get it on Android and Apple. You can upload all docs in 1 pdf. I have still been getting statements and applications in word docs and via picture text. EPI will no longer accept those formats.
Here is a little video I found on the tiny scan app.


Don't be afraid to sign up a merchant locally who does biz just through his website!  (Yes, MG can handle EVERY type of merchant, from brick/mortar to cyber...)  Check out these stats:

U.S. Thanksgiving, Black Friday Sales Break $1B; Total Holiday Spend Online Will Be $89B

Online retailers use Cyber Monday to extend the first flush of the post-Thanksgiving holiday sales rush, and now analysts are coming out with their first numbers laying out how holiday sales have been progressing so far. The long and short of it: record numbers for e-commerce retail, with holiday shopping across the U.S. and Europe approaching $130 billion, according to figures from Forrester Research.

Based on early numbers from comScore, it looks like online sales got off to a good start in the U.S., with Thanksgiving topping $1 billion and Black Friday passing $1.5 billion, respective growth of 32% and 26% over 2013.
IBM, which tracks sales in real time through its Benchmark tool, has also now published its figures for how U.S. e-commerce sites performed over the weekend between Black Friday and Cyber Monday.
Following on from strong sales on Thanksgiving and Black Friday, IBM found that online sales were up 17% versus the same period a year ago, while mobile continued to be a strong driver of both traffic and buying, accounting for 51.2% of all e-commerce browsing, and 28.9% of sales.
(Recall that on Thanksgiving, IBM found that one-third of sales were completed on mobile devices.)
All of this will contribute to what Forrester is terming a record year, with the U.S. reaching an all-time high of online sales this year of $89 billion, up 13% on 2013 and accounting for 30% of all eCommerce spend in 2014.


Monday wisdom: