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.

I have digenerative disc disease/4 bulgin discs was taking 9---10mg hydrocodones a day... i started with 3 drops of 300mg and within 5 mins started feeling better than i have theses last 6 years or so... not only that, the inflamation has decrease substantially, i wake up with energy and have begun to work out again... if im making it seem like a miracle drug... its because it is... so the first week i took 3 drops twice a day... now 3 weeks in... im taking about 5 drops 3 times a day and zero pain pills... for the first time in years i have taken control of my life agin... not depending on doctor scripts/bills etc....
Recruitment is an integral part of any MLM, but it doesn’t need to be the focus. Whenever MLMs charge high startup fees, require high recruitment for a commission, do not provide sales training, or otherwise value recruitment over product, that’s a clue that it is not a good MLM to join. Network marketing companies should rely on networks to sell products, instead of only recruiting your network.
I was diagnosed with vasovagal syncope and in April began have seisures and black outs multiple times a day. I began taking CBD oil on September 1st. Within a week or so I stopped blacking out as often and came to faster. By the end of September Id switched to your product because of the purity. A HUGE IMPROVEMENT Ive been using your 1000 mg bottle for 6 weeks now. Im taking less in the morning and evening. I no longer need a mid day dose. As the weeks go by Ive had no black outs no seisures in several weeks. My energy level has improved my chest pains have gone away. My panic attacks have gone to next to nothing. Ive been able to clean and go out again. Thank you for giving me my quality of life back again. It surely beats taking prescription drugs and dealing with side effects. Only side effects Ive noticed was I stopped sweating profusely everyday and my appetite has decreased and Ive lost a few pounds. YEAH

CBD Oil, derived from agricultural hemp, has been widely recognized for its many benefits on human health. It has grown in popularity amongst the medical community as a key supplement for maintaining homeostasis. Because CBD oil has the ability to talk to nearly every organ system in the body via the Endocannabinoid System (ECS) this plant-based nutrient plays a key role in optimizing balance and enhancing quality of life.

Locsta....I share your pain of degenerative and bulging disk disease, along with fibromyalgia, chronic fatigue and arthritis. Absolutely no energy and chronic pain all day, every day. I'm curious as to what type and brand of the CBD oil you are taking and for how long have you been using it? I've been researching CBD oil for months and am quite confused!
In most cases, each cannabis plant strain’s unique characteristics are determined by the scent of its terpenes. These peculiar and powerful molecules influence the taste and feel of hemp extract. In addition to being an essential component of our supplements, terpenes are commonly leveraged in the production of balsams, essential oils, and other plant by-products.

After a slew of complaints, LuLaRoe rolled out a Happiness Policy in April 2017, which states that customers can get a credit, cash refund, or replacement pair (but not the same pattern) for defective leggings purchased between January 2016 and April 2017. However, many are saying their refund checks have still not been issued, even though they were told they’d arrive several weeks ago.
So is it possible that despite all this anecdotal evidence, low-dose CBD is a placebo? Sure, because, say it with me: We don’t know anything about CBD. “Unfortunately,” says Baron, “we are nowhere near close to having any definitive trials on effectiveness for most symptoms claimed to benefit from CBD with trials that are scientifically relevant, such as prospective randomized placebo-controlled trials.”

Establishing—and regularly updating—the company brand is critical to the success of the campaign. Multi-level marketers will identify the company’s primary goods and services, and then research the target market whose needs they’re meeting. Marketers and creative alike will make certain that the “personality” of the brand resonates with the general personality of the target customer; likewise, messaging will be regularly adjusted to reflect customers’ changing and growing interests.
Because of the encouraging of recruits to further recruit their competitors, some people have even gone so far as to say at best modern MLMs are nothing more than legalized pyramid schemes[4][19][20] with one stating "Multi-level marketing companies have become an accepted and legally sanctioned form of pyramid scheme in the United States"[19] while another states "Multi-Level Marketing, a form of Pyramid Scheme, is not necessarily fraudulent."[20] In October 2010 it was reported that multilevel marketing companies were being investigated by a number of state attorneys general amid allegations that salespeople were primarily paid for recruiting and that more recent recruits cannot earn anything near what early entrants do.[60] Industry critic Robert L. FitzPatrick has called multi-level marketing "the Main Street bubble" that will eventually burst.[61]
Look into the pay structure. Network marketing is an industry that has produced millionaires, but very rarely do people get rich in this business. Most direct sellers take in a modest income of a few hundred dollars per month, some more, depending on how hard they work and which company’s products they distribute. When investigating the pay structure, first look at the company’s claims of average earnings to determine how much money you can make. Also, study the compensation plan to figure out how you will make the money. Remember, you should be paid for products or services sold, not solely for recruitment of other associates. Next, determine whether the plan is multilevel or single-level. Some companies use a single-level model in which the seller is paid only on his or her own sales. But most operate using a multilevel structure in which distributors receive a percentage of their sales and the sales of members in their downline. The number of levels and the percentages paid per level vary from one company to the next but can run anywhere from a 5% commission on the low end to a 15% commission on the high end. Within a multilevel structure, some companies, rather than paying a percentage per level, pay on total sales accumulated by its distributors across several levels.
Pure hemp cannabidiol oil can be consumed directly as a nutritional supplement. Over the years, great advances in CBD hemp oil product development have led to what are now dozens of different types of CBD hemp oil products, including capsules, drops, and even chewing gum. Concentrated pure CBD hemp oil can also be infused into skin and body care products and used topically.

CBD is a safe, long-term aid which is why it has gained such momentum and why our customers are turning to it for relief. CBD, scientifically known as cannabidiol, is a non-psychoactive, natural compound found in the hemp plant. When it interacts with the body’s endocannabinoid system, CBD provides powerful health benefits without the side effects of conventional drugs.The CBD utilized in our tinctures is extracted from industrial hemp cultivated in the United States. To further ensure quality and purity, our industrial hemp goes through a supercritical CO2 extraction process to obtain the best possible CBD solution. This solution is then formulated by our board-certified pharmacists into finished products and sent out for third-party testing. Our CBD oil is made with high-quality CBD extracted from natural hemp that is abundant in naturally produced terpenes, oils, vitamins, omega fatty acids, and other components.

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.


Establishing—and regularly updating—the company brand is critical to the success of the campaign. Multi-level marketers will identify the company’s primary goods and services, and then research the target market whose needs they’re meeting. Marketers and creative alike will make certain that the “personality” of the brand resonates with the general personality of the target customer; likewise, messaging will be regularly adjusted to reflect customers’ changing and growing interests.

The body produces its own chemicals called endocannabinoids that modulate biological processes throughout the entire body. As such, these endocannabinoids have wide-ranging effects on everything from fertility to pain. Phytocannabinoids are compounds found in nature that influence and support the ECS. They are the compounds responsible for the health benefits of Thorne’s Hemp Oil +.

Full Spectrum CBD Oil contains some of the same terpenes as dried cannabis bud. Terpenes are the aroma molecules found in plants. Beta-caryophyllene (pepper) and myrcene (musk) are both been found in hemp oil.  According to recent research, beta-caryophyllene acts as a cannabinoid in the body. It engages some of the same cell sites as smoked cannabis. In particular, the terpene interacts with cell receptors that regulate the immune system.  Myrcene has been found to have antidepressant and anti-inflammatory effects. It also acts as an antioxidant and helps molecules move across cell membranes. The combination of essential fatty acids, vitamins, antioxidants and healing terpenes make hemp oil one powerful superfood.
Pharmacists have since moved to metric measurements, with a drop being rounded to exactly 0.05 mL (50 μL, that is, 20 drops per milliliter) - https://en.wikipedia.org/wiki/Drop_(unit)1oz is 30 mL1000mg/30mL = 33.3 mg/mL CBD concentration20 drops * .05 mL/drop = 1mL10 drops * .05 mL/drop = .5mLyou take 33.3 mg in the morning and 16.65mg at nightI might suggest taking 50mg in the morning: 50mg / 33.3 mg/mL = 1.50 mL 30 dropstry it for a couple days and see how it helps
Hemp oil is an abundant source of alpha-linolenic acid. Alpha-linolenic acid is an omega-3 fatty acid that is essential to proper organ function. It is similar to the omega-3 fatty acids found in fish oil, and can help prevent heart disease, arthritis and depression, according to the University of Maryland Medical Center. It can also help reduce low density lipoprotein cholesterol, the "bad" cholesterol that clogs arteries.
The U.S. Department of Health & Human Services also recommends that consumers should be aware of any active ingredients that dietary supplements may contain. An active ingredient of a substance is any component that produces a biological or chemical effect on the body. Our products do contain active ingredients. The most abundant active ingredient in our supplements is the CBD in our hemp extract.
One final tidbit I'll leave you with. On average, 99.95% of network marketers lose money. However, only 97.14% of Las Vegas gamblers lose money by placing everything on a single number at roulette. So if you're thinking about joining a network marketing plan, and aren't dissuaded by the facts I've presented, consider instead going to Vegas and placing all your money in a single pile on number 13. Sooner or later you're going to have to take my advice and just stop now.
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.

The limited studies out there indicate that CBD has, in its various interactions with the brain and immune system, some anti-inflammatory and anti-anxiety effects. It can balance out the effects of THC by reducing the anxiety THC sometimes brings, and many in the industry are big on “broad spectrum” or “full spectrum” configurations, which use many cannabinoids at once.
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.
The United States Federal Government does not define ‘hemp’ exactly, but they do define ‘industrial hemp’ to be any part of a cannabis plant, whether growing or not, that is used solely for industrial purposes (fiber and seed) with a THC concentration of no more than 0.3 percent when dried. In contrast, Hemp.com defines it as “the fiber and seed part of the Cannabis Sativa L. plant, opposed to the flower part of the plant which is ‘legally considered’ marijuana.”
The prospect of working from home is becoming increasingly popular. According to The New York Times, a recent Gallup poll reports 43 percent of employees work remotely some of the time. Of those, the number working from home four to five days per week has jumped to 31 percent. Modern workers seem to be embracing the flexibility of working remotely, so it’s not surprising that multi-level marketing companies (MLMs) are “poised for explosive growth,” Forbes predicts.
So if network marketing plans don't work, why do people buy into them? Network marketing plans are easily sold by simply laying out some compelling mathematics on a whiteboard. A typical program sets five downline members as the goal for each participant: To be successful, you need only recruit enough people to end up with just five who actively participate. Below those five are their five apiece, totaling 25. This is your network. Each downline of five are qualified by participating at the minimum required level, so this model already excludes everyone who is flakey or only half-hearted, leaving only the five good ones in each downline. Your commissions based on those minimum participation levels — where all five below you dutifully make their minimum monthly inventory purchases — guarantees you an impressive income. The mathematics are black and white, and it's so simple that nothing can go wrong. You'd have to be stupid not to do it.

So you meet your buddy at a burger joint. You reminisce about old times and play catch-up. You’re having a real good time. But then he mentions this nutrition company he’s been selling for lately. He says he’s just getting started, but there’s a lot of income potential. In fact, he knows a guy who has paid off his mortgage working for this company. He thinks you’d be a perfect distributor for it because you lift weights and you’re driven.

When you buy a franchise for, say, Jamba Juice, you’re buying the right to be the only franchisee in a certain geographic area. They don’t sell twenty franchises to twenty different business owners in the same city. That would result in Jamba Juices on every street corner owned by twenty different people all competing to sell the same product, which would cannibalize the profits of all the franchisees. No one in their right mind would buy a franchise in a company that ignored basic economic principle of supply and demand.
I suffer fr migraines. Currently having Botox injections every three months for the last three years. This has helped went fr 24 to 30 migraines a month to 6 to 8 , now I'm back up to 14 to 20 a month. My doctor thought CBD oil might help. I have also started having anxiety attacks for a year now. I'm really confused with the dosages. Any thoughts would b helpful
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:
“If you’re taking Prozac or some other medication, you really need to think carefully about what you’re doing, because it can harm you, and you should talk to your doctor about it,” says Blessing. Blessing does note that while the drug interactions are potentially very serious, the doses in consumer CBD products are so low that the risk is likely minimal. Regardless, the fact that CBD has drug interactions should indicate that it is, at least sometimes, in some doses, actually doing something.
So you meet your buddy at a burger joint. You reminisce about old times and play catch-up. You’re having a real good time. But then he mentions this nutrition company he’s been selling for lately. He says he’s just getting started, but there’s a lot of income potential. In fact, he knows a guy who has paid off his mortgage working for this company. He thinks you’d be a perfect distributor for it because you lift weights and you’re driven.

99% of the time marijuana has a high amount of THC and only a very low amount of CBD. Hemp, on the other hand, naturally has a very high amount of CBD in most instances and only a trace amount of THC. Fortunately, the cannabinoid profile of hemp is ideal for people looking for benefits from cannabis without the ‘high.’ Hemp is used for making herbal supplements, food, fiber, rope, paper, bricks, oil, natural plastic, and so much more, whereas marijuana is usually used just recreationally, spiritually, and medicinally. The term cannabis oil can refer to either a marijuana or hemp derived oil since marijuana and hemp are two different forms of cannabis.

Cibaderm® offers a full line of CBD hemp oil body care products. Their CBD Hemp Oil Body Wash contains a unique blend of CBD hemp oil and organic steam-distilled essential oils. The Cibaderm® Body Lotion is packed with 50 mg CBD Hemp Nourish™ to leave the skin silky soft. The Hand Cream contains 25 mg CBD combined with powerful antioxidants like vitamin E. Cibaderm® also offers innovative hemp CBD infused hair care products, including Hemp Shampoo and and CBD Hemp Soft™ Conditioner.
The friend continues, “It gets better! If those 3 recruits each recruit 3 people themselves, you’ll earn 5% commission on the product they buy from the company as well. You’ll be a ‘Gold Star’ level distributor at this point and you’ll be able to buy product from the company at a 30% discount. To maintain this status, your group of 12 recruits beneath you need to collectively buy $1,200 worth of product each month from the company.”
It should be noted that recreational use of marijuana (high THC, low CBD cannabis) does result in dependence (but different from narcotics or alcohol, and not as debilitating). Chronic use of THC may be associated with atrophy in certain areas of the brain and reduction of certain cognitive functions (at this point, studies are not conclusive). Interestingly, studies have shown that taking CBD oil regularly can restore areas of the brain that have become atrophied in marijuana abusers.
As more and more states legalize the use of marijuana, a product known as CBD oil has surged in popularity. A chemical compound found in the cannabis plant, CBD, or cannabidiol, is non-intoxicating and does not cause the noticeable euphoric effects associated with tetrahydrocannabinol (or THC, another marijuana compound). Products marketed as CBD oil may contain THC.
Roocroft explained his company’s low dose by saying, “Everyone’s different, so when it comes to microdosing, they can control their cup of coffee, which is a 6-ounce serving per brew.” He’s not the only person I talked to who used the term “microdosing.” Blessing says he’s misusing the term. Microdosing means using very small amounts of very powerful drugs; sometimes, this can have extremely mild or even totally different effects from what is considered a full dose. But the key is microdosing still has a provable effect.
This article may contain certain forward-looking statements and information, as defined within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the Safe Harbor created by those sections. This material contains statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. Such forward-looking statements by definition involve risks, uncertainties.

...with due respect, your experience Locsta is almost precisely what happened with my....chihuahua. Degenerative disc disease, excruciating pain, prednisone worked, but couldn't keep her on it..pain killers and muscle relaxants didn't help, really thought I would have to put her down. Chi bloggers suggested CBD; gave PetReleaf a shot--like you, literally within minutes I could see the difference, in days she was pain free and now is back in charge of our world. The real key here is that with my dog, there is zero, nada, chance that there was any placebo effect...
I really like this company. They had all the criteria that I was looking for after hours and hours of research trying to understand the CBD world. I tried the 1,000 strength for joint pain and inflammation. I noticed great relief within a day or two. I tried a full spectrum next, because I had read that the entourage effect would work better. To be honest, it was about the same. But I returned to Medterra because of the purity of their product and the confidence I have in the company. Medterra is doing everything right, from the carrier oil, to the lab results, and the USA non gmo grown plant. :)
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