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.
But one woman’s trash may be another woman’s treasure. New consultants are reporting getting boxes full of old merchandise that appears to be from merchants who went out of business—the ugly stuff others couldn’t sell. “While LuLaRoe may resell some inventory returned in original packaging and in new condition to its employees in its company store,” LuLaRoe CMO Lyon says, “LuLaRoe prefers that product that is returned in original packaging and in new condition be used for donations or giveaways only.” Consultants dispute that claim, posting pictures of “new” merchandise with old patterns and tags that have been marked up by other consultants.
Vapor Distillation™: Also sometimes called thermal extraction, vapor distillation uses hot air to safely vaporize the full spectrum of chemical components at high concentration from the buds, and then the vapor is distilled into CBD oil. This method also activates the cannabinoids by removing an extra carboxyl ring from their molecular chain (a chemical reaction called decarboxylation), enabling them to interact directly with CB receptors for maximal medicinal value.

THC’s intoxicating powers come from its ability to mimic anandamide, an endocannabinoid or naturally occurring mood-altering substance in the body that binds to CB1 receptors in the brain and is associated with having a rosy disposition. THC binds to anandamide’s CB1 receptors even more tightly than anandamide itself, triggering an exaggerated or euphoric response — in other words, you get high.


Why should you care about the quality of CBD you buy? Because, the CBD industry is still in its infancy, and it’s easy to get confused, which leads to some brands taking advantage. That’s why we’ve examined the industry, brands and product for you. We’ve hand selected some of the top CBD brands out there; reviewed their history, product quality, price, and customer service for you. Now you can confidently make a more informed decision on which company to trust with your business. Ministry of Hemp may receive a percentage of sales if you purchase a product from one of these links. Read our full disclosure statement.”
Multi-level marketing is a strategy some direct-sales companies use to encourage their existing distributors to recruit new distributors by paying the existing distributors a percentage of their recruits' sales. The recruits are the distributor's "downline." All distributors also make money through direct sales of products to customers. Amway is an example of a well-known direct-sales company that uses multi-level marketing.
Here’s what we do know: The cannabis plant contains a wide variety of chemical compounds, many of which fall under the broad category of cannabinoids. There are more than 100 — exactly how many, we’re not sure. The best-known and certainly most profitable are tetrahydrocannabinol (THC) and cannabidiol (CBD). Both of these compounds stimulate the same receptor in the brain, called CB1, but have differing effects on the brain. Researchers aren’t totally sure why.

A couple of studies dealt with drug and substance abuse. From them, we’ve learned that if you use CBD, you can decrease your drug-seeking behavior and be less dependent. CBD oil has a notable effect on the brain circuits responsible for addiction. Once it alters your circuitry, you’ll have less desire to depend on any substance. Can you use CBD to quit smoking and prevent other addictions?
Though unflavored and priced higher than competitors, Green Roads CBD oils are made by a trusted manufacturer and use organically grown hemp. Following the CO2 supercritical fluid extraction process, board-certified pharmacists formulate the tincture by hand. Green Roads only sells CBD isolates, so if you’re looking for broad-spectrum products look to some of our other recommendations.

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…
CBD oil alleviates physical pain and anxiety – both of which can have a negative impact on sleep. Additionally, CBD oil can actually prolong sleep for some, leading to more rest from night to night. Most medical experts agree that marijuana is not particularly beneficial for individuals with medical conditions and/or mental health disorders, as the THC can increase their symptoms; this makes CBD oil a good alternative option for people with the following sleep disorders and medical conditions.
Also important is terpenes’ ability to enhance the properties of CBD. This phenomenon, called the “entourage effect,” is considered by many experts in the industry to be essential for gaining the full benefit of the plant. It also points to the importance of using a full-spectrum extract of hemp, which provides a full range of chemical components including terpenes, as opposed to purified CBD or CBD isolate, which contains only CBD.
We do sell pure, isolated cannabidiol in crystalline form. This CBD isolate is somewhere between 96% and 99.9% pure. While all the Certificates of Analysis (COAs) for our CBD Isolate reveal cannabidiol levels at 90%-100%, we are almost completely certain that every batch of our CBD Isolate extract has been more than 99% pure. The deviation in results is due to instances of unreliable third-party testing.
“We decided to take a cash-out refi to pay off unsecured debt,” wrote Kimberly Rotter from San Diego, a personal finance writer and frequent commenter. “The debt was incurred for emergency maintenance on our property, including several months of lost income for my husband while he did the work. Our home was 100 percent paid off so this was a very hard decision for us. However, our alternative was to do the zero percent shuffle on multiple credit cards to handle $85,000 in debt, which I know from past experience is difficult (although possible) at that level. We got a loan against the house for 5 percent and have a very strong and committed 36-month payoff plan. The pain of this choice will hopefully keep us on track. I am optimistic that we will meet our payoff goal.”
Prolonged use at high doses has not shown potential for abuse of CBD. In fact, a clinical study published in 2018 found that recreational polydrug users did not show abuse potential with use of CBD. Long-term studies have not evaluated potential changes in hormonal balance or long-term adverse changes in liver function, though prolonged use of CBD enhances metabolism of certain drugs. Stopping CBD oil suddenly has not been associated with withdrawal effects.
I did an analysis of 10 diffirent CBD oils and Medterras 3000mg bottle is the most cost effective per mg. Their product also appears the safest with where they source their materials and how they conduct their business. There were no issues with the ordering process and I received my product in a timely fashion as well. There is almost no taste to the oil and I take 25 ml (25 mg) twice daily with excellent results. I finely feel calm and sleep well. I am also able to focus better and get more done each day, which was an unexpected bonus. I was very sceptical about CBD at first. I have tried everything for my anxiety, and although some of the traditional drugs work, their side effects negate any benefits. I was feeling very frustrated and hopeless and ordered the CBD out of desperation. Im glad I took the chance. Well, it wasnt really a chance; I read every research article I could get my hands on and was swayed by the emerging data. I guess it was more of a leap of faith in a product that had such high claims and no healthcare gatekeepers. I have had no side effects though. The only negative is the cost.
If you get an MLMer to admit that they’re having to pay a lot of money to be a part of an MLM company, they’ll all often say something like, “Well, this is just like buying a McDonalds’s franchise. When you buy a McDonald’s franchise you have to pay the company a large franchise fee to start and then buy the product (fries, burger patties, Flurry mix) from McDonald’s.”
tiffany lee, depending on how long ur doctor have been treating you for migraine, and your not getting release, why not just apply for the marjauna card, i went to one of the clinic that can issue it, just take them your doctor reports that show u have been diagnoise with migraines, because it is one of the medical reasons you can be approved, im just waiting now, there are 3 steps process but it will be worth it, then you get to buy and try different one to see wat will work for you…i live in florida, then u are covered on your job with no problem…..just do it the rightway, and you never have to look over your shoulder or feel your doing things that will be be considered illegal or unethical on the work place or anywhere else…hope that helps anyone who want to try it for their medical condition
Currently on the market are a variety of hemp oil products that are naturally abundant in CBD, including organic hemp oil concentrates, tinctures, capsules, gums, lotions, salves, shampoos, and conditioners. Please visit our online shop to find the right CBD hemp oil product for you! For more information on CBD products, have a look at our comprehensive CBD products list to learn more.
CBD, often ingested in oils, tinctures, and the occasional gummy bear, is really just a form of hemp- or marijuana-derived oil. It contains no psychoactive properties (so you don't feel high), but there are growing studies showing CBD's positive effects on anxiety, pain, and epilepsy in children. While CBD is totally legal, what are you supposed to do if you're asked to take a drug screening? Will CBD show up on a drug test? Can you get fired for using CBD? I spoke to some experts to get some clarification on how CBD oil could potentially affect your test scores.
Let's just suppose that "X" has been reached today in a particular MLM; the number of possible units sold at this price has just been exceeded, and you happen to be a starry-eyed prospect sitting in an MLM meeting listening to the pitch. Now consider: Does anyone in this company know about "X"? Does anyone care? Is the issue being suppressed on purpose for some other motive? Since we are supposing that the market saturation number "X" has been reached, everyone joining the MLM from now on is buying into a false hope. But that is not what the speaker will be saying. He will be telling you, "Now is the time to join. Get in on the 'ground floor'." But it is all a lie, even though the speaker may not know it. The total available market "X" has been reached and nobody noticed. All the distributors will lose from here on out. Could this be you? How could you possibly know at what point you will become the liar in an MLM?
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.
These are only a couple of examples of people who went from struggling with their finances to being financially secure, and continuing to make a fortune. There are hundreds of more examples of people who have literally gone from rags to riches through Network Marketing. However, it should be emphasized that these people did not just sit back and collect money, they had to put in the hard work and dedication necessary to grow their network of sales, as well as doing the work required to get the word out and represent their companies.
Even some of the claims made by recreational CBD sellers aren’t bullshit, in the abstract. CBD really does show some anti-inflammatory properties. It really does have anxiolytic effects, in certain situations. Of course, it’s the scammy nature of herbal supplements that a seller can say something like “CBD has been indicated to reduce anxiety” (a true statement!), even though the actual product you’ve got in your hand has never been indicated to do so. Nutmeg, for example, will act as a dangerous psychoactive drug at high levels, but it would be deranged to put “scientific research has shown that nutmeg can get you high as hell” on a pumpkin spice latte. It’s correct, but it’s also incredibly misleading.
At the corporate level, multi-level marketing communicates a clear picture of the company and its products to consultants—and by extension, to its customers and potential future consultants. The goal of MLM is not only to excite consumers about a product, but to attract a percentage of people to the possibility of selling that products. Therefore, the art of persuasion is fundamental to MLM—an art honed in marketing programs across the country.
Hemp oil is comprised of 25 percent protein, says Dr. Andrew Weil, the program director for the Arizona Center for Integrative Medicine, which is recognized by the Arizona Board of Regents. This high-quality protein provides amino acids in ratios similar to the protein in meats and eggs. The structure of hemp oil proteins makes them easily digestible. Compared to other oils, hemp oil provides the protein and amino acids the body needs without adding unnecessary calories.
Creams and salves for musculoskeletal discomfort generally contain very small amounts of CBD that are absorbed through the skin. Many of these products do provide significant benefit, however, but the benefit is likely derived from other aspects of CBD — especially terpenes from cannabis and essential oils, thanks to their anti-inflammatory properties.
Hemp oil is an oil extracted from the hemp plant. All plants in the Cannabis genus can produce the oil, but usually only industrial hemp is used to make hemp oil. Industrial hemp is a hemp varietal which has been cultivated specifically for industrial production, and it has a minimum of the psychoactive substances associated with the genus, most notably THC. Hemp oil is typically almost free of THC, and it has no psychoactive properties.
All products and services have partial market penetration. For example, only so many people wish to use a discount broker, as evidenced by the very successful but only partial market penetration of Charles Schwab. Not everyone wishes to join a particular discount club, or buy gold, or drink filtered water, or wear a particular style of shoe, or use any product or service. No one in the real world of business would seriously consider the thin arguments of the MLMers when they flippantly mention the infinite market need for their product or services.

MLMs are designed to make profit for the owners/shareholders of the company, and a few individual participants at the top levels of the MLM pyramid of participants. According to the U.S. Federal Trade Commission (FTC), some MLM companies already constitute illegal pyramid schemes even by the narrower existing legislation, exploiting members of the organization.[21] There have been calls in various countries to broaden existing anti-pyramid scheme legislation to include MLMs, or to enact specific anti-MLM legislation to make all MLMs illegal in parallel to pyramid schemes, as has already been done in some jurisdictions.[citation needed]


tiffany lee, depending on how long ur doctor have been treating you for migraine, and your not getting release, why not just apply for the marjauna card, i went to one of the clinic that can issue it, just take them your doctor reports that show u have been diagnoise with migraines, because it is one of the medical reasons you can be approved, im just waiting now, there are 3 steps process but it will be worth it, then you get to buy and try different one to see wat will work for you…i live in florida, then u are covered on your job with no problem…..just do it the rightway, and you never have to look over your shoulder or feel your doing things that will be be considered illegal or unethical on the work place or anywhere else…hope that helps anyone who want to try it for their medical condition
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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.
Andrew Sherman has reported (in his book Franchising & Licensing) that six states explicitly regulate MLM: Georgia, Maryland, New York, New Mexico, Wyoming, and Louisiana. So does Puerto Rico. Laws regulating MLM typically 1) require that MLM companies explicitly permit their agents to cancel their agreements and to agree to repurchase inventories at not less than 90 percent of the original transfer price; 2) prohibit inducements under which the agent is told that he or she will earn a specific amount of money; 3) prohibit the purchase of a minimum inventory; and 4) prohibit operations under which agents are only paid for recruiting others. Many states without MLM regulation nevertheless have laws prohibiting pyramid schemes under which they attempt to police MLM companies that overstep the line.
Although each MLM company dictates its own specific financial compensation plan for the payout of any earnings to their respective participants, the common feature that is found across all MLMs is that the compensation plans theoretically pay out to participants only from two potential revenue streams. The first is paid out from commissions of sales made by the participants directly to their own retail customers. The second is paid out from commissions based upon the sales made by other distributors below the participant who have recruited those other participants into the MLM; in the organizational hierarchy of MLMs, these participants are referred to as one's down line distributors.[5]
Those warning letters aside, there’s not a lot of federal oversight right now over the claims being made or the products that are being sold. Cohen warned against buying CBD products online, because “there’s a lot of scams out there.” Yet his clinic sells CBD, and he admits, “I say ‘Don’t buy online,’ but ours is worth doing, because we know what we’re doing. We ship all over.”
"Let me tell you about an incredible ground-level business opportunity," and you are invited to a house or to lunch for "a discussion." Funny enough, you feel sick in your gut that there is some hidden agenda or deception. "Probably a multi-level marketing (MLM) organization," you think. Suppose it is? Should you trust your instincts? Is there anything wrong with MLM?
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.
I have been recently diagnosed with a rare brain disease. This product helps with the debilitating headaches and the extreme nausea. My geneticist recommended this product to me. My doctor is on the cutting edge of genetic research and is highly regarded and published in several scientific journals. This product is effective and the best part is the fact that there are no side effects like other medications.
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