Right now, MLMs are preying on lower-income, often undocumented immigrant communities and taking advantage of their lack of knowledge and finances. Their reps lure them in by telling that they are giving them the tools to start their own businesses and that they can create jobs for their friends and family members. In the 2016 documentary, Betting On Zero, director Ted Braun talks to several Latino families who have lost their entire life savings to Herbalife. They were told by MLM reps that it’s easy work and that it’s not dangerous, and so they sold their construction businesses to invest in Herbalife.
The Filipino community, much like many immigrant communities, is ripe for the recruitment of participants in MLMs. Filipino immigrants can be particularly easy targets to exploit, as this Filipino-American writer can attest. They are easygoing and friendly. The ones with a college education understand and speak English very well. The community is crawling with network marketers hawking everything from cosmetics to travel packages to insurance products, courtesy of companies that promise the dream of passive income as well as incentives such as car bonuses and vacations.
Multi-level marketing (MLM) is known by a variety of names: network marketing, referral marketing—and more pejoratively (and/or when done unethically), pyramid marketing. In this structure, marketing and sales reps not only receive compensation for their own sales, but also receive a percentage of the sales generated by other salespeople they recruit (commonly known as one’s “downline”). (See also Referral Marketing)
Let's say you tried to make it sound, and said "Forget the multilevel recruiting, I'm going to focus on selling the product." Is anyone doing that successfully? It would not appear so. During yet another lawsuit in the UK, the government found that less than one in ten participants ever sold even a single product to another person. Since the company has its distributors as a captive audience required to make regular purchases, the products are typically grossly overpriced compared to similar products available in supermarkets. This makes their sale a dubious prospect for those few distributors who ever do attempt retail sales to customers. Surveys show that nearly all products purchased by network marketers are consumed by the distributors themselves.
During the Mary Kay heyday in post-war America, consultants would invite their friends to in-home parties (think Tupperware) or go door-knocking to sell their products in their neighborhood (think Girl Scouts). However, in the digital age, the game has changed. Consultants who had previously run out of doors to knock on or neighbors to invite over had to put their goods in a car and drive to the next town for fresh clientele. Now they just form a group on Facebook, fire up a Live video stream, and sell to eager customers across the country, like their own miniature Home Shopping Network.
Stern decided to get out after she realized she had $20,000 in unsold wholesale inventory sitting in her living room. “It clicked for me that if you order 30 items, they send you 10 quick movers and the rest sit. It’s a false sense of actually being successful,” she says. “I noticed all these people started going out of business. I started getting scared that my inventory would be worth nothing, and I would be stuck with $8,000 on my credit card.”
Have a question about your finances? Michelle Singletary has a weekly live chat every Thursday at noon where she discusses financial dilemmas with readers. You can also write to Michelle directly by sending an email to michelle.singletary@washpost.com. Personal responses may not be possible, and comments or questions may be used in a future column, with the writer’s name, unless otherwise requested.
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.
So even though hemp oil and CBD oil come from the same genus and species (Cannabis sativa), hemp oil is derived from a strain that has a very low cannabinoid count (more on that later). CBD oil, on the other hand, is derived from the strains you can find in your local dispensary. Many growers refer to the hemp plant as a cousin of the plant that produces your Fruity Pebbles and your Yoda OG.
No restrictions and our always-free shipping mean for unparalleled access to some of the world’s best in organic CBD’s. In addition, we are proud to say that we are quite knowledgeable in the CBD field and CBD applications as opposed to many out there, just trying to sell a product. If you need help deciding which CBD line is best for your intended application, we are always happy to explain the options to your fullest understanding.
What if your body could absorb cannabidiol faster and easier than before? Elixinol™ CBD Oil Liposomes use pre-dissolved cannabidiol that is then added into the microscopic liposomes. The technology is safe and uses natural phospholipids, which research show supports healthy cellular delivery of CBD oil. Elixinol™ CBD Oil Liposomes uses full-spectrum hemp extracts, with no synthetic or isolated cannabinoids.
Draw up a business plan. When you have a few potential companies in mind, write out your plan for building and expanding your business. Even before you've officially aligned with a company, it helps to have this plan figured out early. Thant way you can hit the ground running when you do eventually start at a company. Keep these things in mind when designing a business plan:
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.  
“Multi-level marketing is one form of direct selling, and refers to a business model in which a company distributes products through a network of distributors who earn income from their own retail sales of the product and from retail sales made by the distributors’ direct and indirect recruits. Because they earn a commission from the sales their recruits make, each member in the MLM network has an incentive to continue recruiting additional sales representatives into their ‘downlines.'”
Thankfully, getting out is easier than it used to be—sort of. LuLaRoe has started providing free shipping so that consultants who want to leave can return their inventory and get back what they paid, as long as those items are in perfect condition and in their original packaging. This sounds reasonable—except that retailers generally have to unbox, hang, and photograph each item in order to have a shot at selling it, meaning a lot of their unsold inventory isn’t eligible for a refund.
The short answer to the above question is “ABSOLUTELY!” However, many people have attempted to get into Network Marketing and haven’t been willing to do the work necessary to see dividends on their investment. They go into it thinking it will be easy, that they can just sit back and start raking in the cash. When they discover it takes work and diligence to make it work, they often are taken aback and simply give up.
When you look at our hypothetical MLM, it’s hard not to notice that it pretty much works like a pyramid scheme: you make money by recruiting people below you. Instead of the people below you giving you and the people above you money in order to be part of the MLM — as in a traditional pyramid scheme — you (and the people above you) get a commission off the product purchases the recruits below you are required to make from the MLM. Distributors make little to no money selling product to people outside the company.
Dr. Brezinski’s point is well taken and easy to see practiced by popular network marketing companies.  Many MLM and NM companies tout a three-to-five year plan to attain freedom and wealth, yet many of the people running company meetings have been in the business for five or ten years and still haven’t left their full-time job or landed on easy street.  “As it turns out,” Dr. Brezinski notes, “when other human needs are being met, the members and consultants don’t focus solely on the financial aspects.”
Jim is approached by a friend who is already a distributor for Company A to become a distributor as well. Jim’s friend tells him it’s an “amazing business opportunity” and that he’s only telling Jim about this because he’s the kind of entrepreneurial guy who could succeed with it. The friend shares how other distributors have been able to make enough money selling shakes that they’ve paid off student debt and bought a second car. He says very little about the product itself except that it’s fantastic and practically sells itself.
According to PeaceHealth, a website dedicated to providing information on an array of different supplements and medications, hemp oil can cause minor side effects in the digestive system. For example, the website suggests that hemp and hemp oil can soften the stools, often leading to diarrhea or abdominal cramping. Many times, excessive diarrhea can lead to increased weight loss or malabsorption. While further research is needed to substantiate these side effect claims, it is recommended that for individuals with a history of digestive disorders or irregular bowel movements to not take hemp oil supplements.
Mike, what kind of breast cancer (invasive ductal, I presume)? How many of her lymph nodes were positive? How big was the primary tumor? Reason I ask is that in women with Stage I or IIA tumors that are estrogen-and progesterone-receptor-positive and HER2-negative (ER+/PR+/HER2-) with three or fewer positive lymph nodes, there is a genomic assay test on a sample of the tumor, called OncotypeDX, that will tell doctors whether chemo is necessary or would even work at all. Medicare covers that test 100%.That type of breast cancer mentioned above, which I had as Stage IA, is treated in postmenopausal women with anti-estrogen drugs called aromatase inhibitors(aka AIs: anastrazole, letrozole, or exemestane)which have as a side effect joint pain. CBD oil is effective for this joint pain it is not, I repeat, NOT a substitute for chemo, radiation or these anti-estrogen drugs.So don’t assume your mom’s cancer will require chemo; but if it does, CBD helps with those side effects as well. If she lives in a state where medical marijuana is legal, there are doctors who sub-specialize in certifying applications for a medical marijuana card, and in the interim before the card is issued can advise as to the appropriate dose of CBD oil (legal and over-the-counter in all 50 states). Some (though not most) medical oncologists will certify their own patients’ medical marijuana card applications so she need not seek out another doctor; and will advise the appropriate dose for her symptoms. Once she gets her card, the “budtenders” in the licensed dispensaries can advise her as to the right CBD product (with or without THC), strength, and dosage. If she lives in a state where recreational weed is legal, the “budtenders” in the marijuana shops can steer her to the right strength of CBD oil and the right dosage.
The oil has a nutty flavor that will enhance many recipes. Use it in most foods or recipes that you would normally use olive oil for. However, hemp oil loses quality and flavor if it's heated to temperatures above 160 degrees Fahrenheit, so it's not appropriate for frying foods, notes the book "Hemp: Industrial Production and Uses." Use hemp oil to sauté vegetables or to make homemade salad dressings. Look for hemp oil at health food stores, and some large supermarkets also might carry hemp oil.
When considering our different dietary hemp products, know that they all come in two strengths. Our Original Hemp blends (Hemp Classic, Hemp Complete, & Signature Blend) all have 250+mg of cannabinoids per fluid ounce, and our concentrated blends have 1,500+mg per fluid ounce, six times the potency of our traditional oils. We’ve found that sometimes less is more, but nevertheless, some people like to take very large serving sizes of our hemp extracts.
Amway stresses that the main difference between a legitimate MLM business model and a pyramid scheme is that a legitimate MLM is focused on selling products, not recruiting more salespeople. In a legitimate MLM, it should be possible to make money by simply selling products directly to customers. With that main criterion in mind, here are some other ways to identify product-based pyramid schemes:

Third party laboratories analyze all of our full-spectrum hemp extracts and supplements for cannabinoid potency, heavy metals, bacterial/microbial life, mycotoxins (fungus), and pesticides. Our isolate is tested for potency, heavy metals, and pesticides. The unsummarized results of testing for all produced batches can be found in our online batch database.


The State of Illinois has no registration requirements for multilevel marketing plans. There are, however, requirements for franchises. The Illinois Franchise Disclosure Act is administered by the Office of the Illinois Attorney General. By law, the offer and sale of a franchise must either be registered or qualify for an exemption from the registration process. For information and materials related to the franchise law, contact:
Thank you for reaching out to us. You could most definitely try our premium hemp oil drops or soft gels. Our premium hemp oil products are great for assisting with a lot of different things such as pain, inflammation, stress, anxiety, mood and sleep. I would start out with our 3x strength option that we have available, and the best method is the drops. You take the recommended amount of drops listed on the bottle, under your tongue. You let the drops sit there for 30 seconds. After the 30 seconds, you swallow the remaining oil in your mouth. Buy doing so this will enter your bloodstream to deliver faster results. Although, I would recommend talking to a doctor before going off any prescribed medicine.
Hemp oil is also rich in "super" polyunsaturated fatty acids, most notably gamma-linolenic acid and stearidonic acid. Although these are not essential fatty acids, they may help reduce the symptoms of atopic dermatitis and other skin conditions. However, the amount of these non-essential fatty acids varies according to the quality of the hemp plant the acids were derived from.
My mother has dementia/Alzheimers along with a broken knee that they will not repair do to her mental status. She is currently in a nursing home. I firmly believe her mental situation began with the over use of hydrocodone for over 30 years and was acerbated by the trauma of breaking and disconnecting her knee cap. Since weaning her off of her meds (still in progress) we have regained much of her consciousness. I want to try CBD to help in her recovery or to help slow down the disease. I cannot find a dosage recommendation plus the nursing home/doctor does not recommend it. I would need to give it to her when I am there visiting (about 3 - 4 times per week). Is there a recommended dosage for dementia/Alzheimers?

Recent testing of cannabis products from Los Angeles marijuana dispensaries showed over 90% of tested products to contain HIGHER than normal contaminants and pesticide levels, despite organic claims. (The USDA National Organic Program does not certify organic claims on marijuana, and it’s actually not a legally permitted claim on these products.- FYI, I’m an certified IOIA, Independent Organic Inspectors Association organic processing inspector.) There’s no intrinsic difference between high-THC cannabis and low-THC cannabis that somehow renders one clean and one heavy with contaminants. As with every other crop, it is a matter of soil conditions, growing conditions and horticultural inputs. 
Our understanding of CBD cannabis oil has expanded and we’re more aware today than ever of the cannabinoid’s potential. Studies on CBD’s natural health benefits are extensive and groundbreaking research is being done regularly. We suggest you review the wide body of scientific research on CBD to get a better understanding of the cannabinoid’s health value. We answer the  “Will CBD get you high?” question here.
It all sounds good on paper, yet there is a seemingly endless debate over whether these companies and programs are legitimate business opportunities or not, so I dug in and got the real scoop.  As a result, I believe that the entire industry is poised for explosive growth and can be one of the most significant solutions to America’s current retirement savings crisis.

I purchased this product locally and as I walked back to my car, I was in so much pain in my feet and hands I wasnt sure I could make it back. I sat in my car and took a dropper full (1ml). As I was sitting there I could feel the inflammation in my hands disappear and the pain went away. My feet began to feel the effects next and the pain all but subsided. I hadnt been sleeping very good at night but last night I slept like a baby with NO pain. Why isnt this marketed as a product that is NON opiod and covered by insurance? Rheumatoid Arthritis is the most painful thing in the world but this helped me 100%. I almost cried last night I was so happy for a change! Thank you for making this product.
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