Diana Bendit of Virginia has used a home-equity loan to pay off a car. I “reduced the interest I would have to pay by more than half and paid it off faster with less cost. If someone is paying 8 percent and can reduce that to 3.5 percent over the same time frame using a home equity loan, that is a no brainer to me. I wouldn’t roll that debt into a refi because the payments over 10 to 30 years are not a good deal. The only reason to do this is to reduce interest payments and pay off the debt faster.”

Hemp Oil Complex™ is a combination of well-balanced polyunsaturated fatty acids (PUFAs, omega-3 oil) delivering essential fatty acids needed for the formation of specialized lipid mediators for a healthy immune response. Hemp oil and omega-3 oil may support the resolution phase of the inflammatory process by providing PUFAs which are known to be precursors to endocannabinoids. Additionally, Brassica (TrueBroc®) is an important phytonutrient providing antioxidant support by activating the Nrf2/ARE pathways.
Elixinol™ Hemp CBD Oil capsules are extracted from specially bred industrial hemp plants that contain high potency cannabidiol. All our hemp is organically grown and CO2 extracted. Our CBD capsules contain all the synergistic cannabinoids, essential oils, terpenoids, and other powerful compounds from the original hemp plant. A container has 60 capsules and contains 900mg of CBD hemp oil. A single CBD capsule includes 15mg of CBD and other valuable nutrients.
Our family has been making healthy oils and supplements in the Pacific Northwest for nearly 30 years. As a leader in the natural foods industry, we stake our reputation on innovating and creating the quality products our customers have come to expect. And like all of our products, our Ideal CBD Hemp Oil meets the very highest standards of excellence.

Christina Hinks, an aspiring journalist and the former moderator of the Facebook group, attempted to draw attention to LuLaRoe practices she found problematic. She has been collecting and documenting LuLaRoe issues at her blog, Mommygyver, which went from product reviews to educating readers on the risks of MLMs and inventory loading, revealing fat shaming by consultants, sharing stories of women who claim to have been victimized by LuLaRoe, and posting screenshots and stories of shenanigans by consultants and leaders at the top.
The minimum order is 30 pieces at a time, and LuLaRoe requires sellers to buy a minimum of 33 pieces a month ($346 in wholesale leggings, for example) to maintain active status. This means that if a retailer sold 30 pairs of leggings a week, it would take them just under three months to make back their initial $5,000. As they also need to use their revenue to restock an additional 33 pieces a month ($1,038 worth of leggings over 11.5 weeks), it would therefore take another month or so of selling 30 pairs of leggings a week to start turning a small profit. (There is a more detailed mathematical breakdown of different business models here.) “Just like anyone starting a new business, there is risk involved and not everyone is guaranteed success,” LuLaRoe CMO Lyon says.
Verify taxes. To help verify financial claims, review tax forms from the last five years of the person trying to recruit you into the organization. If he or she refuses to hand over the returns, watch out. It may be an illegal scheme. Also be wary of any MLM with a “no-buy-back policy.” Legitimate companies that require inventory purchases will buy back unsold merchandise for at least 80% of what you paid, should you decide to quit the business. Some state laws require buy backs of at least 90% of the original cost.

So far, most of the evidence for CBD’s effects on anxiety comes from animal studies and laboratory experiments. For a report published in the journal Neurotherapeutics in 2015, scientists analyzed this preliminary research and found that CBD oil shows promise in the acute treatment of conditions like generalized anxiety disorder, panic disorder, social anxiety disorder, obsessive-compulsive disorder, and post-traumatic stress disorder.
We gave the highest points to companies that use a CBD distillate for their tinctures. The process of distillation creates an extract that is pure on a molecular level. There are people who think distillate is too pure, and that a full spectrum decarb produces a more effective tincture. But in light of the inconclusive evidence, we prefer a distillate. The process allows for a high degree of control as to the finished product. It’s also odorless and tasteless, so those tinctures tend to taste better.
She reiterated a common theme I heard throughout the interviews.  “If you treat it like a hobby it won’t pay you like a business.”  She also acknowledged that, in spite of her success, she doesn’t sit around eating bonbons every day waiting for residual checks to hit the mailbox.  “That’s a common misconception,” she said.  “I work hard at my business every day, although it doesn't always feel like work.  Similar to other entrepreneurs who profit from their passion, she says “It’s rewarding because I found a product that has made in difference in how I look and feel… and I love selling it and helping other people start a business.”
CBD Isolates/Concentrates: Anyone familiar with smoking hash or other cannabis concentrates like wax and BHO will be no stranger to this delivery method. Simply sprinkle some into a vaporizer or water pipe, ignite, inhale, and enjoy! We find that this option is useful for individuals looking to elevate their regular consumption of CBD-rich cannabis flowers or other smokable herbs.
I assume this is also a side effect of the eased anxiety, but I seem to fall asleep within the 20- to 30-minute range rather than my normal 45 minutes to one hour (or longer). Not only do I seem to be skipping (or at least shortening) the whole tossing-and-turning phase of my sleep cycle, but I'm able to snap out of the overthinking mindset that often keeps me up at night. Of course, there's no telling whether a big life event would kindly disrupt this newfound bliss, but I'd like to think it's helped on day-to-day basis.

Industrial Hemp Oil is also from the Cannabis Sativa plant and is the same as Hemp Oil or Hemp Seed OIl. Compared to cannabis Indica, cannabis Sativa (industrial hemp variety) has a much stronger fiber. This fiber can be used in anything from rope and blankets to paper. Marijuana fiber has a low tensile strength and will break or shred easily, making it a poor fibrous plant when compared to industrial hemp. Industrial hemp has low THC levels naturally compared to marijuana specifically cultivated for personal psychoactive use. The reason for the low THC content in hemp is that most THC is formed in resin glands on the buds and flowers of the female cannabis plant. Industrial hemp is not cultivated to produce buds, and therefore lacks the primary component that forms the marijuana high. Furthermore, industrial hemp has higher concentrations of a chemical called Cannabidiol Oil (CBD Oil). 

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LuLaRoe gives these women a way to have it all: a career, new friends, body confidence, extra money, all with enough time left over to be an excellent mother and wife. “Want to earn full-time income for part-time work? Ask me how!” reads a sign that was sent out to new consultants last year. Stidham often promotes the idea of her company being a perfect part-time job for mothers by talking about being a single mother of seven hustling out of her home—even though she was already remarried and her kids grown before LuLaRoe was founded.

If your wife needs to make money for your family, what then could she do instead? Work nights or weekends? Find a paid job that can be done from home (there are legitimate companies out there that hire stay-at-home moms as customer support reps, transcriptionists, etc., though there are also plenty of scams that advertise as such, so look with a skeptical eye)? Start a freelance side hustle?


Millions of Americans want to believe that multilevel-marketing can put hundreds (or even thousands) of dollars in their pockets. Millions of Americans try selling cosmetics, clothing and more to their friends and family, often via Facebook. But very few make money. Some lose money. And many more end up fighting with close friends and family as a result. MagnifyMoney (where I work) conducted a national survey of people who participate in multilevel-marketing programs, and the results should serve as a warning. If something seems too good to be true, it probably is.
THC, an intoxicating and illegal substance, is responsible for causing marijuana users to get “high.” Unlike THC, CBD is non-psychoactive because it does not act on the same pathways as THC. Thus, it is impossible to get “high” by smoking or ingesting CBD or CBD oil extracted from industrial hemp plants, as they only have minuscule traces of THC (<0.3%).
Intelligence managers will need at least a B.S. in marketing, business, economics, or some related field; an M.B.A. or master’s degree in statistics is a plus. Intelligence managers will also need an educational background and several years’ experience in a variety of statistical methodologies and analytics, as well as strong writing and presentation skills.
Cannabis oil is produced by extracting the resin of the female cannabis plant using a solvent. After the resin is dissolved in the solvent, it is evaporated leaving a concentrated extract behind. What is left is an extract with THC and/or CBD, that can be blended with hemp seed oil, olive or other types of carrier oils to facilitate ingestion. Cannabis vape oils contain varying levels of THC and can knock out even the most experienced of smokers.
CBD oil products can be somewhat expensive, which may be a barrier for individuals seeking treatment or relief from different conditions and disorders. cbdMD is a notable exception as far as price-point is concerned. cbdMD offers it’s premium, non-THC oils at a large variety of concentrations (300mg-5,00mg) as well as sizes (30mL and 60mL) . These oils are priced at $28 for 300mg oils and $90 for 1,500mg oils; both price-points are significantly below average.
Reality: Hemp oil is an increasingly popular product, used for an expanding variety of purposes. The washed hemp seed contains no THC at all. The tiny amounts of THC contained in industrial hemp are in the glands of the plant itself. Sometimes, in the manufacturing process, some THC- and CBD-containing resin sticks to the seed, resulting in traces of THC in the oil that is produced. The concentration of these cannabinoids in the oil is infinitesimal. No one can get high from using hemp oil.

Selling facial cream to your friends is difficult. Selling facial cream to strangers is even more difficult. In the MagnifyMoney survey, 20% of people involved never made a sale. 60% of participants sold less than $500 over the past five years. Most people make less than 70 cents an hour, before considering marketing expenses. A minimum wage job would be more lucrative by comparison.

Although Luminary Medicine Company formulas are made with exclusively certified organic and wildcrafted ingredients, there is no auditing system in place, so neither our product nor any other consumable product using cannabinoid-rich hemp oil may legally use the word “organic” on the front panel of the product. When the word “organic” is used on the front panel of a consumable, CBD rich oil product, it ought cause a consumer to pause and consider the legitimacy of other claims and the overall qualification and reliability of the manufacturer.


Multi Level Marketing (MLM) is a business model or marketing strategy in which the distributors' income includes their own sales, and a percentage of the sales group they recruit, which is commonly known as their ‘downline’. Customers can also sign up as a distributor to sell the company’s product. Usually, the sign up fee will be the price paid to purchase the product.
LuLaRoe also says it invests “considerable time, resources, and talent” to support its “independent retailers,” as it calls its consultants. If they experience financial or psychological hardship through operating their businesses, it says it’s not the company’s fault. “Retail is not for everyone,” says a LuLaRoe spokesperson. “Retailers own their own business and make their own decisions…The success of any business depends on its leader’s own respective and independent business goals, and the strategies they employ to achieve those goals.”

Cannabidiol (CBD) oil has become increasingly popular as a natural way to help people try to manage pain, reduce inflammation, and cope with anxiety.* Though the number of prescriptions has risen sharply in the United States over the past 20 years, many Americans are trying to limit the number of prescribed drugs they take – instead, searching for all-natural solutions to the aches, pains, and discomfort they begin to face as they age. For many of them, CBD oil is the solution they’ve been looking for. But not all CBD oil is created equal, meaning finding the right CBD oil could just be the most important part of their journey.


Our extracts contain a unique blend of cannabinoids plus terpenes and flavonoids. Cannabinoids are phyto-compounds that are produced by the hemp plant. One of the most commonly known cannabinoids in hemp is non-psychoactive cannabidiol (CBD). Cannabinoids work with the mammalian Endocannabinoid System (ECS), which is a vast receptor system to support homeostasis and health.*
MLMs have been made illegal in some jurisdictions as a mere variation of the traditional pyramid scheme, including in mainland China.[10][11] In jurisdictions where MLMs have not been made illegal, many illegal pyramid schemes attempt to present themselves as MLM businesses.[7] Given that the overwhelming majority of MLM participants cannot realistically make a net profit, let alone a significant net profit, but instead overwhelmingly operate at net losses, some sources have defined all MLMs as a type of pyramid scheme, even if they have not been made illegal like traditional pyramid schemes through legislative statutes.[4][19][20]
These sales go against company policy. While a LuLaRoe spokesperson says sellers are “free to set their own sales prices for the LuLaRoe products they sell,” they don’t allow you to actually advertise those prices: “Out of fairness to all retailers, they are not allowed to advertise prices below MAP (Minimum Advertised Prices). LuLaRoe encourages retailers not sell product below MAP as MAP ensure that the LuLaRoe brand maintains a consistent level of value and fairness that benefits all Retailers. Advertising prices below MAP violates the agreement between retailers and LuLaRoe.” If caught, sellers are ostracized by the consultant community for diminishing the LuLaRoe brand, and some have claimed to be locked out of their point-of-sale systems.
Pyramid schemes are illegal in all 50 states and in most countries in the world. The reason they’re illegal is because they promise extraordinary returns based on a structure that is unsustainable and will eventually collapse. In order to survive, pyramid schemes require an infinite number of recruits. Since there aren’t an infinite number of people, they always fall apart, leaving the people at the bottom of the scheme with empty pockets.  

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An agent can enter an MLM business on very little capital (around $100)—and yet will feel as if in business for him of for herself. Jeffrey Gitomer, writing in the Business Journal, noted that many people value the opportunity to be their own boss and control their own destiny. "The secret to successful network marketing is you—the messenger—and your willingness to dedicate and focus on preparation," he wrote. "Your willingness to become a salesperson who believes in your own ability to succeed. Everyone wants success, but very few are willing to do what it takes to be successful."
On the other hand, many people have gotten into Network Marketing and have made a fortune from it. People such as John Haremza, who signed up as a sales rep for a small water filter company, and is now worth millions. Alternatively, Sebastian Greenwood, who made an investment in Onecoin, and put in the hard work and time necessary. He is now considered an ambassador of the company, having made his fortune there, and spends much of his time helping others grow successful.
Last year, the National Academies of Sciences, Engineering and Medicine released a nearly 500-page report on the health effects of cannabis and cannabinoids. A committee of 16 experts from a variety of scientific and medical fields analyzed the available evidence — more than 10,000 scientific abstracts in all. Because so few studies examine the effects of CBD on its own, the panel did not issue any findings about CBD specifically, but it did reach some conclusions about cannabis and cannabinoids more generally. The researchers determined that there is “conclusive or substantial evidence” supporting the use of cannabis or cannabinoids for chronic pain in adults, multiple sclerosis-related spasticity (a kind of stiffness and muscle spasms), and chemotherapy-induced nausea and vomiting. The committee also found “moderate” evidence that cannabis or cannabinoids can reduce sleep disturbances in people with obstructive sleep apnea, fibromyalgia, chronic pain and multiple sclerosis, as well as “limited” evidence that these substances can improve symptoms of Tourette’s syndrome, increase appetite and stem weight loss in people with HIV/AIDs, and improve symptoms of PTSD and anxiety.
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The most common high-pressure tactic is the lure of getting in on the ground floor. But in direct sales, a good opportunity is a good opportunity no matter when you get in. In fact, you're safer to go with a company that has been around for more than five years (the longer the better) than a start up. Any effort a representative makes to prevent you from studying the company, talking to others, and "sleeping on it" isn't someone you want to work with. 
Hemp oil can come from the flower, leaves, stock or seeds. If it comes from the seed there are no cannabinoids found. If it comes from the rest of the plant cannabinoids are found. Hemp extract usually refers to either CBD or oil from the stock, flower, or leaves. Our Virgin cannabis sativa hemp oil is a hemp seed oil, and our Premium hemp oil products, have hemp oil from the stem of the plant (which is listed in milligrams on the bottle) It also has hemp seed oil in the bottle to act as a carrier oil. Our Hemp seed oil is a cold pressed seed oil, and our Premium hemp oil that comes from the stem is Co2 extracted.

Hi, Congrats on finishing chemo & radiation that’s awesome!! I wish you the best of luck!! I was actually wanting to know about dosage for cancer as well..My parents both have recently been diagnosed with cancer 4 months apart and are currently going thru chemo together. I have tried looking for the dosage info but can never find what i’m looking for..I want to try to help lesson the chemo side effects and hopefully kill some of the cancer cells. Can someone please help us?Thank You Christy

The raw and heated cannabinoids in this product come from agricultural hemp. They are combined with hemp terpenes that are steam distilled. We have specially formulated this blend to combine a variety of different terpene-rich hemp extracts. This product contains equal amounts of both CBD (a decarboxylated form of cannabinoid) and CBD-A (the raw, or non-decarboxylated form of cannabinoid) — 125 mg of each, to be exact.


So Herrera, who's experienced her own share of pain due to a shoulder injury followed by a bout of Lyme disease, went to a local herb shop and bought a vial of the oil, which, by some definitions, is legal in all states if it doesn't contain more than 0.3 percent THC – the psychoactive component of cannabis. She began putting seven to nine drops under her tongue first thing most mornings – and was startled by the results. "It's changed my pain level, my anxiety level and my stress level," says Herrera, who already practiced yoga, meditated regularly, ate a healthy diet and tried conventional medical treatments for pain and mobility. "It was shocking," she says, because she thought her patients' reports were due to the placebo effect. "Right now," she adds, "I feel pretty amazing."

So totally blown away by Medterra CBD oil. I have taken other brands and nothing compares to Medterra. I like that it is certified THC free and grown and manufactured right here in the U.S. The shipping was very reasonable and I received my oil within about 4-5 days. They also offer a 30 day money back guarantee if I decide to return. ( but I won’t!!!). You can’t go wrong with Medterra for your joint and body aches. I’m finally able to sleep at night again!! Thank you Medterra !!!!
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