Today we're going to point our skeptical eye at network marketing plans, formerly known as multilevel marketing or MLM (name changed to escape the stigma). They say that when there's a gold rush, the way to make money is to sell shovels. Network marketing companies sell shovels, along with dreams of gold: All you have to do is go out there and dig, dig, dig, and buy more shovels, and get your friends to buy shovels too. Levi Strauss and other suppliers became millionaires, and hundreds of thousands of miners went broke.
The interviews and psychological connections lead me to conclude that MLM and NM companies, along with other small businesses opportunities, are important considerations for anyone entering retirement.  In fact, I believe the concept of starting a business for retirement income will become one of the most significant trends impacting retirement in the 21st century.  But it has to start with redefining entrepreneurship and framing it into a retirement lifestyle.  That means helping people find ways to turn a passion, hobby, or personal desire into extra money in their pocket… not to mention helping people see the importance of  planning for the non-financial aspects of retirement such as replacing a work identity, staying relevant and connected, as well as keeping mentally and physically fit.
But this is exactly what MLMs do. In fact, their entire business model encourages oversaturation of a market. Sales reps are incentivized to recruit as many sales reps as they can from their personal networks. That means you can end up with dozens or even hundreds of people in the same city all competing with each other to sell the same product. I’ve seen church congregations with half a dozen women all selling for the same MLM. Do you think all of them were doing well selling essential oils to other members in the congregation? Nope. Because supply and demand.
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.
Products touting CBD oil are now slowly starting to find promotion within the professional sports community, the most notable being triathlete Andrew Talansky, who is sponsored by Floyd’s of Leadville, a Colorado company launched in 2016 by former pro cyclist Floyd Landis (who tested positive for performance enhancing drugs and was stripped of his 2006 Tour de France win).
The overwhelming majority of MLM participants (most sources estimated to be over 99.25% of all MLM distributors) participate at either an insignificant or nil net profit.[12] Indeed, the largest proportion of participants must operate at a net loss (after expenses are deducted) so that the few individuals in the uppermost level of the MLM pyramid can derive their significant earnings. Said earnings are then emphasized by the MLM company to all other participants to encourage their continued participation at a continuing financial loss.[13]

I first encountered CBD while on sabbatical a few years back. As I drove up the Oregon Coast Highway, it was hard to miss all the cannabis shops along the Pacific. I stopped in one, perused the menu, and selected two marijuana specials — Nine-Pound Hammer and Trainwreck — and some CBD gummy bears. The cannabis was, well, as advertised, and the CBD candy, as far as I could tell, was a fruit-flavored placebo.


It's important to know that although THC and CBD are the most studied components of cannabis, there are many more chemical compounds found within the plant, such as cannabigerol (CBG), cannabichromene (CBC), cannabidivarin (CBDV), tetrahydrocannabivarin (THCV), terpenes, and flavonoids. While there is still much to learn about these other chemicals, researchers in Israel have discovered that whole-plant cannabis extracts that contain these other chemicals are more beneficial than isolated extracts that contain just CBD or THC.
After earning $3,000 to $5,000 a month for a few consecutive months, Kayla quit her job in late 2016 to sell LuLaRoe full time. “The next month my profits took a dip. And the next month my profits took a dip,” she says. “I’ve not been able to recoup anything since I quit my job.” After trying to sell off as much inventory as she could, she resigned from the company last month and is awaiting her refund check—which, at the time of writing, still hasn’t arrived.

It is almost impossible to stop the industry because of the amount of investors and lobbyists who are profiting from them. “During the Obama administration, the Federal Trade Commission made its biggest-ever effort to curb this industry when last summer it slapped nutritional supplement–seller Herbalife with a $200 million fine and, as part of a settlement with Herbalife, demanded it restructure its business so that it would “start operating legitimately,” as FTC Chairwoman Edith Ramirez put it.” (Slate) The current administration under President Donald Trump will be a completely different story and may very well be a boon for the MLM industry. Let’s start with Trump himself. In 2009, he licensed his name to an MLM, which eventually went bankrupt, along with many of his participants. Many in Trump’s cabinet have strong ties to MLMs as well: Betsey DeVos (whose husband is the president of Amway — by the way, DeVos family has donated $200 million to the Republican party over the years), Ben Carson, Carl Icahn (a billionaire who is also a major investor in Herbalife and holds five board seats at the company), and Charles Herbster.


No matter how you slice it, the only way you will ever build a highly profitable network marketing business is to be willing to MASTER the art and science of sales, marketing and leadership. Because MLM is form of “direct sales” and no one makes a dime until products and services are sold. And it’s that way in every business, not just network marketing.


Although CBD oil and hemp oil are both low in THC, the difference in the amount of CBD these products contain is huge. Hemp oil has only traces of CBD (around 3.5 percent,) while CBD oil can have up to 20 percent. It is the higher concentration that makes CBD beneficial in the treatment of various health disorders. Hemp oil based CBD products do not contain enough of the compound to be considered much more than a health supplement. These are the products found in health food stores all over the country – legal in all 50 states.
Nutiva began in 1999 as an idea in the mind of John W. Roulac, the author of four books on home composting and industrial hemp. Nutiva is the third successful business John has founded since jump-starting the modern home-composting movement in the early 1990s with his best-selling book, Backyard Composting. That book has sold more than a million copies worldwide.
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Clancy says his dose estimates are based on a book called CBD: A Patient’s Guide to Medicinal Cannabis: Healing Without the High. The co-author of that book is Leonard Leinow, the founder of Synergy Wellness, which calls itself a “hand crafted artisanal CBD cannabis collective.” He is not a doctor or a scientist, but he is a sculptor of erotic bronze pieces, like a yin-yang symbol made up of two interlocking penises.
In addition to CBD, Cannabis sativa L contains organic compounds called terpenes. Terpenes are isomeric hydrocarbons (C10H16) used to create essential oils, balsams, and other by-products. When chemically modified through oxidation or other methods, terpenes become terpenoids (sometimes referred to as isoprenoids). Vitamin A is one example of a terpenoid.
Multilevel marketing (MLM) is an attractive business proposition to many people. It offers the opportunity to become involved in a system for distributing products to consumers. Unlike the person starting a business from scratch, the MLM participant has the support of a direct selling company that supplies the products and sometimes offers training as well.
An issue in determining the legitimacy of a multi-level marketing company is whether it sells its products primarily to consumers or to its members who must recruit new members to buy their products. If it is the former, the company is a legitimate multi-level marketer. If it is the latter, it could be an illegal pyramid scheme. The Federal Trade Commission has been investigating multi-level marketing companies for several decades and has found many that blur the lines between the two. According to industry data, there are 90 million members worldwide, but relatively few earn meaningful income from their efforts. To some observers, that reflects the characteristics of a pyramid scheme.
But here’s the thing. By recruiting close family members or friends into your downline, you contaminate those relationships with commercialization. You take all that good will you’ve developed with someone over months and years and cash it all in on getting them to be a commission for you. From that moment on, the person won’t be able to tell if your gestures towards intimacy are genuine, or an attempt to get you to buy or distribute product. Perhaps even more sadly, you may lose the ability to tell the difference yourself.

I honestly do not work for this company but I do use their product myself as do a lot of people I know & I am based in the U.K. but if you look on their website they probably will ship worldwide. At the end of the day I am sure we are sick of the side effects from pharmaceutical companies & this has no side effects & you cannot overdose on this either.


Across all strains, Cannabis sativa L. plants contain 120 identified terpene compounds. These terpenes exist within the resin found on hemp or marijuana flowers. The scent produced by the terpenes helps to determine the quality of each particular cannabis plant strain. It also influences taste, feel, and other senses affected by interaction with the plant or its by-products.
I started using hemp oil a week ago…i baked some bite sized pasties today for daily dosea…i put 2 cap fills in my bath also. EVERYTHING HAS CHANGED… my depression is lifting my appetite has lessened I don’t want to sleep all day my sight clearer, skin smoother and face looks less aged. My pain has subsided substantially…i feel like a new person. I am in aww of this amazing life changing product I bought a 32 oz bottle and I use it for everything. Oh ya and my digestion is in way better condition…
Do you think CBD oil may be right for you? Then check out Green Roads CBD oils for the highest-quality CBD tinctures on the market! We offer CBD hemp oil tinctures in a different range of dosages, from 100mg to 3500mg per bottle, to meet your specific needs. Designed to fit into your daily routine and easy to buy online, Green Roads CBD oils were made with our customers in mind.
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.
These dosages are pretty standard in the consumer CBD industry and, per the research available, nowhere near the doses proven to be effective in clinical trials. NuLeaf Naturals, a prominent online CBD seller, sells 240 mg of oil for $38.50. It does not specify dosage but measures its CBD concentration in single drops; there are 100 drops per bottle, each containing 2.4 mg. You would have to take the entire bottle, according to Blessing, to get close to the absolute minimum dose that studies show might be effective for reducing anxiety. A $3 squirt of CBD oil on your ice cream or coffee? Probably right around 10 mg. You’d need 30 times that amount to get to the levels at which researchers have found stress-relieving results.
Hi Colleen, it's almost a year later and I'm wondering how you're doing. I'm experiencing a recurrence of Stage 3 ovarian, originally diagnosed in 2011. I've decided to get some chemo, not sold on another 6 cycles though. As a new MMJ patient, I'm still going to go through with Rick Simpson Oil (THC+CBD,) and I just joined a program with my local dispensary to get CBD capsules for $2 each when I order them at least 30 at a time. I hope you're doing well!! I'm off to do more research on dosing. **NOTE: If you have ANY experience with CBD treatment of ovarian cancer, PLEASE respond. Thank you!!
Notwithstanding the pitfalls, enterprising individuals have made a decent living in network marketing. Among them is Tracey Murphy, 35, who became an independent distributor for Market America three years ago when he was looking to make enough money to purchase a home, car, and motorcycle. Market America is a Greensboro, North Carolina-based company that directly markets consumer items such as health and nutrition products, cosmetics, home and auto care goods, custom clothing, flowers, and phone services over the Internet. Having been referred by a cousin, Murphy invited a Market America representative to his house for a talk about the company’s products and services.
But here is the problem that these whiteboard presentations always manage to omit. Of all the thousands of network marketing plans available now or in the past, if only one of them had ever had even a single line active to only 14 levels deep, that alone would have required the participation of more human beings than exist. That math is black and white, too. Level 14 is populated by 514, or about 6.1 billion people, the entire population of the planet, in addition to level 13 with 1.2 billion, all the way up to you and your original five. You can answer "Oh sure, but a lot of the people don't get all five or they flake somehow," but you forget that the entire premise has already eliminated those who flake or who don't get all five. The unfortunate conclusion is that a fully invested network, upon which the whiteboard presentations are dependent, has never actually happened.
Other studies have been done in lab animals, or in vitro (meaning in a test tube, using animal brain tissue). Those studies have found anxiety-reducing effects but only at midlevel dosages, in the range of 10 to 20 mg per kg. As an example, one study found that CBD can, in rats, be an effective anti-inflammatory painkiller — at 20 mg per kg. It’s not a direct translation, but that dosage would be somewhere in the range of several hundred milligrams for an adult human.
I started taking hemp oil 2 months ago and feel like a new person. My joint pain has gone and the neuropathy is 90% gone. I was abroad for just over a month, broke my arm and shoulder three weeks ago. I got out of my routine and when I first returned home I forgot to add my hemp oil to my daily vitamins and cancer med. After about a week and a half, I was hurting all over, just like before the hemp so I know that this actually works.
My husband has RSD and we are considering CBD oil -= I would ask at Hempmed because the spray won't have enough in it. Our dgt';s friend has ovarian cancer and it is shrinking her tumors but the spray would never have been enough. I would get CBD oil and check with Hempmeds to see what they suggest. It isn't cheap but it does work. LOW dose Naltrexone about 4.5 mg is very helpful for RSD and is usually used for getting people off of drugs but is working on turning off the glial cells that surround the nerve that is causing the nerve to scream in pain. We are also using PeaPure that is out of the Netherlands and we are seeing a response, even though small. His other leg touched the painful leg without causing more severe pain. That is progress. We also are using Poison Ivy Cream through Meadowlake Farms that has helped the burning surface pain. Change your diet and get rid of Gluten and Sugar, anything that causes inflammation. This is to allow your own body to work. Absolutely do not use any pain killers as it will turn up your pain. all the Hydrocodone, etc causes neural inflammation and so it will keep cascading higher your pain. Hope this is helpful. Mary
Pros: This item is organic and produced in the USA. The appearance of the oil is very much like extra virgin olive oil, as it should be. It has a green shade indicating that it is full spectrum and unrefined. Nature’s Blueprint also added natural peppermint to make it more palatable. I think it tastes fine straight from the dropper, but it can also be added to a smoothie of some sort or maybe hot tea? I appreciate that it has a clear label for the supplement facts and dosing. If you ever buy something that doesn’t, I certainly wouldn’t take it.

Hempseed is considered by leading researchers and medical doctors to be one of the most nutritious food sources on the planet. Shelled hempseed is packed with 33% pure digestible protein and is rich in iron and vitamin E as well as omega-3 and GLA. A recent report funded by the Canadian government states that hemp protein comprises 66% high-quality edistin protein, and that hempseed contains the highest percentage of this of any plant source. Unlike soy, hemp is not genetically modified, and it doesn't contain the anti-nutritional qualities commonly found in soy.
One study found that placebos sometimes work even when the subject knows it’s a placebo. Another, using that same public speaking setup that CBD studies have used, found that anxiety treatments are particularly susceptible to the placebo effect, with 40 percent of placebo-treated patients showing a decrease in anxiety symptoms while tasked with speaking to a crowd.

Whereas marijuana contains both THC and CBD, hemp contains almost exclusively CBD — THC occurs only in very trace amounts. Remember, though, that there are many varieties of marijuana and hemp plants, and their concentrations of THC and CBD vary. Those with high THC are used primarily for recreational use; plants with low or no THC and high CBD are best for medicinal use. Only cannabis with less than 0.3% THC can be legally classified as hemp.
“The standard dosage, I would say, is around 20 mg per serving,” says Joshua Tavares, the general manager of Clover Grocery, which sells a wide variety of CBD products including gummies, tinctures, and topical lotions. (Tavares describes the shop, which also sells artisanal potato chips, as a “bougie bodega.”) “The main benefits that we touch upon when selling the products are that CBD is helpful for anxiety and providing you with a sense of calm. I would say it’s our top seller since we brought it in. The CBD category in general is really booming right now for us.”
CBD shows promise in the treatment of anxiety disorders, according to a report published in the journal Neurotherapeutics in 2015. Looking at results from experimental research, clinical trials, and epidemiological studies, the report’s authors found evidence that CBD may help treat generalized anxiety disorder, panic disorder, social anxiety disorder, obsessive-compulsive disorder, and post-traumatic stress disorder. However, the authors caution that human-based research on CBD and anxiety is fairly limited at this point.
As for phytocannabinoid-rich hemp oil, due to the presence of the hemp plant’s cannabinoids there are many additional uses and benefits with practically zero side effects. The most common use of this type of hemp oil is for chronic pain management, but many people also use it to treat some symptoms of cancer, among other diseases and conditions. Even the Food and Drug Administration recently approved a new CBD-based prescription medication.
The appeal? Proponents claim CBD can help ease pain, anxiety, depression and stress, boost focus and productivity, improve the immune system, reduce inflammation and more. And – unlike its psychoactive cousin THC – CBD, they say, is harmless, legal and can't get you high. "The known is it's good for you, it helps a lot of people and a lot of things, and you can't hurt yourself," says Phil Asquith, a farmer and producer of extra-virgin olive oil in California, who founded one of the first companies in the CBD space. "The unknown is all the details."
Nutiva began in 1999 as an idea in the mind of John W. Roulac, the author of four books on home composting and industrial hemp. Nutiva is the third successful business John has founded since jump-starting the modern home-composting movement in the early 1990s with his best-selling book, Backyard Composting. That book has sold more than a million copies worldwide.
MLM companies have been trying to find ways around China's prohibitions, or have been developing other methods, such as direct sales, to take their products to China through retail operations. The Direct Sales Regulations limit direct selling to cosmetics, health food, sanitary products, bodybuilding equipment and kitchen utensils. And the Regulations require Chinese or foreign companies ("FIEs") who intend to engage into direct sale business in mainland China to apply for and obtain direct selling license from the Ministry of Commerce ("MOFCOM").[63] In 2016, there are 73 companies, including domestic and foreign companies, that have obtained the direct selling license.[64] Some multi-level marketing sellers have circumvented this ban by establishing addresses and bank accounts in Hong Kong, where the practice is legal, while selling and recruiting on the mainland.[10][65]
But even this discounted wholesale price is usually far higher than the market value of comparable products available from the supermarket. Participants nearly always find themselves in the unenviable position of having invested a lot of money in their own required inventory purchases, and desperately trying to recruit new distributors in an effort to earn commissions on their inventory purchases, and hopefully recover their own investment. So this raises the question: How often does it work out that way? How many MLM participants ever recover their own investments?

Reported side effects of hemp oil with CBD are generally mild and uncommon and can include tiredness, loose stools, and mild changes in appetite and weight (either increased or decreased). Both hemp oil with CBD (hemp flower-bud extracts) and purified CBD (CBD isolate) have been shown in both animal and human clinical trials to be remarkably safe and well tolerated.
Ive been taking CBD tincture oil for 8 months now. It has made such a positive improvement in my life. I have more energy and I feel better overall. I feel like myself after many years of an overall feeling of lethargy. After taking CBD oil for 6 months, I went to my doctor for a regular check up. All my my bloodwork test results- including A1C and cholesteral- improved. As an added bonus, I lost 25 lbs. All of this without even trying. Adding CBD to my life has given me more energy. I feel like my metabolism has improved. Nowadays, I look forward to each day as what can I do today, while before CBD, my attitude was negative and what do I have to do today. Nothing else in my life has changed. In fact, it has become more stressful due to family illness. But CBD has taken the edge off and continues to be my go-to daily supplement. I use Medterra 500mg tincture oil and take 1/2 a dropper twice a day. Everyone is different, so adjust the amount and strength until you find what works best for you. Definitely do it. Take CBD. Youll be so happy that you did.
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