“Fast forward 10 years or so from the home equity line of credit losing, after we had paid off our home mortgage, we were in the process selling our home and purchasing another home,” he wrote. “We had to close the unused line of credit. We had to get a satisfaction letter to move forward with the new home purchase. We were fortunate that we never had a need to tap into the line of credit for any purpose, including educating our children. While a home equity line of credit may be beneficial and perhaps needed by some we simply decided to live within budget and never had to use [it] for any purpose.”


As non-employees, participants are not protected by legal rights of employment law provisions. Instead, salespeople are typically presented by the MLM company as "independent contractors" or "independent business owners". However, participants do not possess a business in the traditional legal sense, as the participants do not hold any tangible business assets or intangible business goodwill able to be sold or purchased in a sale or acquisition of a business. These are the property of the MLM company.


Although it’s a relatively new product in the CBD hemp oil industry, CBD isolate extraction and CBD isolate ingestion is taking the cannabinoid market by storm, becoming increasingly popular with retail customers, formulators, and wholesalers alike. Its many uses and applications in this unmodified form are almost endless and its versatility unparalleled. Plus, you are put in complete control of exactly how much CBD goes into each serving but not matter how much you use it will not get you high.

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.
This product was recommended for me by a friend and I couldnt be happier that we talked about this. Ive had very minor issues with anxiety from work or personal life. By taking this in the morning it really has helped me with those feelings and allowed me to enjoy my day and focus more. Its had a significant affect on my personal life and work because of it. Will be recommending to all my friends who have similar issues.
I suffer with migraines, fibromyalgia, and arthritis. I pretty much hurt anytime I move. I’m on a regimen of meds, but ordered the Virgin Cannibis Hemp Oil (off of Amazon) and have had it two days. I took 3 tablespoons a day, gagging it down. I couldn’t bring myself to take it today, but I didn’t notice a difference after the second day, and I suppose I would notice something. Was it too soon, or should I be trying a different product? I really need something to alleviate the level of pain during movement, as it’s causing me to be more sedentary.

Our products are made by infusing extract from hemp into them.   Many brands use only cbd that has been removed from the extract.  It is much less inexpensive to use CBD Isolate in the making of products.  (“CBD Isolate” is cbd that has been removed from the extract)  However, Highland Pharms CBD Hemp Oil products receive only Full Spectrum CBD Extract.  This means you get the CBD  –  PLUS all the other cannabinoids  –  when you use our products.  Full Spectrum means that the full spectrum of cannabinoids (like CBC, CBG, CBN, etc) along with all the hundreds of phytonutrients are still in our products.
The gist of the matter is that the courts have found that as long as an MLM can show that its primary purpose is to sell product (even to people within the MLM) and not recruitment of distributors, the company is considered a legitimate business and not a pyramid scheme. But this line is really fuzzy, and little to no effort is made by law enforcement agencies to make companies prove that they emphasize retail over recruitment.
While they are similar in some ways, there are important differences between hemp oil and CBD oil. As a consumer, it’s easy to get confused by phrases such as “cannabis oil” and “marijuana oil,” especially when many companies seem to use these terms interchangeably. Let’s take a closer look at hemp oil and CBD oil to learn how to distinguish the two.
I thought maybe I would give CBD a try to help with some issues I have been having for quite awhile such as lower back pain, headaches, and trouble sleeping. After only two days of using 1ml morning and night of the 500mg I noticed a big change in how I felt. Now that I am almost a month into using I know that it really does work. I sleep so much better and have a far greater amount of energy every day. Also, my back pain isn’t near what it used. I feel great. I highly recommend giving this stuff a try.

Hemp oil is a "drying oil", as it can polymerize into a solid form. Due to its polymer-forming properties, hemp oil is used on its own or blended with other oils, resins, and solvents as an impregnator and varnish in wood finishing, as a pigment binder in oil paints, and as a plasticizer and hardener in putty. It has uses similar to linseed oil and characteristics similar to tung oil.[34]


As noted in the previous section, CBD oil prices vary significantly by brand. The best practice for most is to determine a per-milligram budget for CBD oil, as well as a maximum price for the entire bottle. For example, you might decide that 10 cents per milligram or less is a reasonable budget; and that $45 (for a 450-mg concentration, based on the budget) is a maximum bottle price. Also, if ordering online, be sure to include potential shipping costs.
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.
It’s important to get a complete picture of how the plan works: not just how much money distributors make, but also how much time and money they spend on the plan, how long it takes before they're earning money, and how big a downline is needed to make money. One sign of a pyramid scheme is if distributors sell more product to other distributors than to the public — or if they make more money from recruiting than they do from selling.
What makes a pyramid scheme a pyramid scheme isn’t its pyramid shape, however, but how its pyramidal structure works. If you apply for a job at Walmart, Walmart doesn’t require you to buy $50 worth of product from them before they’ll give you a job. And once you start working for them, they don’t require that you make $100 worth of purchases from them each month to keep your job. But an MLM does.
Many have left high-paying jobs to "pursue their dreams" in an MLM. Having been conned so dramatically, they do not easily admit defeat. It seems easier to cling to the bad dream in an increasing cycle of desperation to make the MLM work against all odds. "Losers" at the bottom congregate into support groups, perhaps spinning-off another MLM where they can be "boss."
Both hemp oil and marijuana oil have the potential to reduce stress, improve sleep, and relieve pain. However, hemp oil works more to improve general quality of life, while medicinal marijuana is often prescribed for specific ailments, such as reducing chronic pain or managing the side effects of chemotherapy. Hemp oil can help to reduce inflammation and relax the body without any of the psychoactive effects associated with marijuana, which makes hemp oil less intimidating and generally easier to start. Ultimately, both marijuana and hemp require further study to fully understand their potential benefits, their interactions in the human body, and the mechanisms of action involved.
At the end of the 1990s, network marketers were learning to harness the power of the internet. The implementation of online shops and electronic orders made employing social networks much easier for individual distributors and businesses. Since the rise of social media platforms, it’s become common to see advertisements by people in your network for companies like Rodan + Fields or ItWorks.
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?

NuLeaf Naturals is headquartered in Colorado, but we ship anywhere in the US. All of our organic CBD oil products will be sent to you via USPS, FedEx, or UPS and should arrive in just 2-3 business days. We offer special pricing options for bulk orders. If you sell health and wellness products and would be interested in promoting medical cannabis oil, consider becoming a wholesale CBD oil partner with us.


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.

It’s also important to select CBD oil products based on your concentration preferences. Some forms of CBD oil – such as vapors and tinctures – normally have higher-than-average concentrations, whereas sprays and topicals tend to have lower concentrations. Remember: higher concentration means more pronounced effects, but not necessarily mean higher quality.


There have been no reports of anyone overdosing on cannabis. One of the unique properties of the chemical components of cannabis, including both hemp and marijuana, is that they don’t cause respiratory or cardiac depression. This sets even recreational use of cannabis widely apart from narcotics and alcohol, both of which can cause severe respiratory depression and death at excessive doses. Excessive doses of hemp, and more especially, marijuana, may make you very agitated and feel terrible, but there are no known deaths from cannabis overdose.

A marketing program will also teach you how to acquire and interpret meaningful data, including how to obtain and analyze marketing lists. By applying the right analytic and statistical tools, you’ll be able to better target an MLM campaign—as well as better target domestic and overseas vendors who can help to service your company’s needs (and your customers’ demands).
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.
With MLMs, the situation is much worse. Nobody is home. Even the Soviets had someone thinking about how much was enough! If the bureaucrat in Russia was having a hard time trying to play Adam Smith's "invisible hand" in setting the supply level in the Soviet Union, then an MLM "executive" is in a truly unfortunate position. Not only is there no one assigned to make the decision of how much is enough, the MLM is set up by design to blindly go past the saturation point and keep on going. It will grow till it collapses under its own weight, without even a bureaucrat noticing.

How long would it take a seller to earn back their initial $5,000? Let’s say she sells 30 leggings in an online party. They cost $10.50 each wholesale, and the manufacturer’s advertised price is $25, so she would make a $435 profit. After that, consultants often tell other sellers to replace their inventory and build up more in order to be successful. “The question of inventory levels is determined by each retailer in the conduct of the retailer’s own independent business,” says a LuLaRoe spokesperson. “If the retailer believes greater inventory would help, they are encouraged to order.”
There are two main types of receptors in the ECS, CB1 and CB2. CB1 receptors are primarily located in the central nervous system and brains of mammals, and CB2 are generally found in the peripheral nervous system. There are two main cannabinoids mammals produce- 2AG and Anandamide (named after the Sanskrit term “Ananda,” which translates to “peace”).
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.
Down to its versatility and myriad of health benefits, Hemp Oil has reached an all time high in popularity, and men are women who want to make healthier lifestyle choices are reaching for the wellbeing product. Hemp is an all natural ingredient which can support your health and well-being through a high supply of minerals, antioxidants and amino acids. If you’re living in the UK its completely legal to find, purchase and consume this oil, it is however the availability and legality of hemp oil in the US is complex and confusing due to the the complex relationship between state and federal legislations.
Get the company’s refund policy in writing. Make sure it includes information about returning any unused products, including restrictions and penalties. It may seem like you’re minimizing your risk if you can return products for a reimbursement, but policies vary on whether you’ll get a full refund — and how long it may take. Many plans require you to buy training or marketing materials, or pay for seminars if you want to get product discounts or create your own network of distributors. Find out how much time and money other distributors spent on training, marketing materials, and seminars when they joined the plan, and whether the plan requires you to participate in periodic training. What happens if you opt out of the training?
An example of a high-profile multi-level marketing company defending its practices is Herbalife Ltd., a manufacturer and distributor of weight-loss and nutritional products with more than 500,000 distributors. Although the FTC had been investigating Herbalife, it was activist investor William Ackman who shed a national spotlight on the company by shorting $1 billion of the company’s stock in 2013. Ackman accused the company of operating a pyramid scheme and backed his allegations with a bet the company’s stock price would fall under the weight of the scam.  

MLMs disproportionately flourish in suburban and rural America: According to LuLaRoe’s retailer map, it only has 10 consultants in all of Manhattan, which has a population of 1.64 million. By comparison, Pueblo (Colorado) has the same amount for its population of 110,000, St. George (Utah) has 12 sellers to its 82,000 residents, and Idaho Falls (Idaho) and Casper (Wyoming) both have nine sellers servicing each’s 60,000 citizens. In 2016, the US Census Bureau stated that the median rural household income is 4% lower than it is for urban families, and income inequality is also higher. Job growth in metropolitan areas has far outpaced that in rural areas since 2008, and the job market in these regions has shrunk 4.26% in the same time.
Despite this, CBD is something nobody knows much about, and certainly nobody is monitoring it properly. CBD is widely marketed as a supplement, despite the Food and Drug Administration saying it does not qualify as such (this is because it is an active ingredient in drugs which are either approved or under investigation to be approved). According to the FDA, the 2018 farm bill “preserved the agency’s current authority to regulate products containing cannabis or cannabis-derived compounds,” though the agency has largely ignored CBD up until now. On the FDA’s FAQ page, a vague answer maintains there are “many factors in deciding whether or not to initiate an enforcement action”; the agency plans to hold a public meeting and generally fact-gather “in the near future.” The Department of Agriculture handles research grants and pilot programs for hemp, but that’s where its involvement ends.
As noted in the previous section, CBD oil prices vary significantly by brand. The best practice for most is to determine a per-milligram budget for CBD oil, as well as a maximum price for the entire bottle. For example, you might decide that 10 cents per milligram or less is a reasonable budget; and that $45 (for a 450-mg concentration, based on the budget) is a maximum bottle price. Also, if ordering online, be sure to include potential shipping costs.
One such success story is Nicole Haas of Williamsburg, Virginia. A bubbly blonde and former personal trainer, she put $12,000 on a low-interest credit card to start her LuLaRoe business in January 2017. Through working 25 to 30 hours a week, she paid off her credit card in May and now puts $3,000 a month in her family’s account, less taxes. “It’s changed my life,” she says. “It’s changed who I am as a person.”
As her care taker, I would recommend that you take the edibles in small doses (or a dosage your comfortable with), rather than putting a cream on your skin. You really need to address Psoraisis internally first, then if you need to add cream. I can almost gaurantee you won’t need the creams. Just find yourself a good reputable dispensary to work with…hope this helps you, Jo
“MLMs very rarely emphasize the extreme likelihood of failure, or the extreme likelihood of financial loss, from participation in MLM. MLMs are also seldom forthcoming about the fact that any significant success of the few individuals at the top of the MLM participant pyramid is in fact dependent on the continued financial loss and failure of all other participants below them in the MLM pyramid.” (Wikipedia)
Carl Rehnborg is credited as having started the multi-level marketing industry back in the 1930s. After learning about the benefits of dietary supplements in China, Rehnborg came back to the United States and started a company called The California Vitamin Company, which was later rebranded to Nutrilite. Six years after that rebranding, Rehnborg reorganized the company’s structure and the way it sold products into what we know as MLM today.
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.
In fact, the U.S. Food and Drug Administration (FDA) approved Epidiolex (a drug made with a purified form of CBD oil) in June 2018 for the treatment of seizures associated with two rare and severe forms of epilepsy in patients 2 years of age and older. These two epilepsy forms are known as Lennox-Gastaut syndrome and Dravet syndrome. Epidiolex is the first FDA-approved drug that contains a purified drug substance derived from marijuana.
CBD oil contains CBD (and often other active compounds) in a carrier oil. There are a number of forms of CBD oil, including softgel capsules, tinctures, and under-the-tongue sprays. Some forms of CBD oil can also be applied directly to the skin, in the form of products like creams and salves. The concentration of CBD varies from product to product.
The only study that has tested the bioavailability of inhaled CBD is from 2014; it found a bioavailability of about 25 percent for 100 mg and 200 mg doses of CBD using a Volcano vaporizer. (The topical lotions are even less studied; there have been no clinical trials on them at all.) This is more efficient than ingesting CBD, in the same way that vaporizing THC is more efficient than eating it. To get an effect, you should ingest a different amount of CBD than you’d inhale ... but how much is that? How much is too much?

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.

The great thing about Network Marketing is that it usually involves a small initial investment and can return high dividends on that investment. Usually, the original investment is only a few hundred dollars. This initial investment will allow you to purchase a product sample kit, and begin to sell the products to friends, family, and others. The Multi-Level component of Network Marketing comes into play, in that most Network Marketing opportunities also ask their representatives to recruit other sales representatives. The new recruits are considered the representative’s downline, and they will usually generate income directly from their sales as well as from those whom they have recruited.
Thus, a parallel or "shadow" pyramid of motivational tapes, seminars, and videos emerges. These are a "must for success," and recruits are strong-armed into attending, buying, buying, and buying all the more. This motivational "shadow pyramid" further exploits the flagging recruits as they spiral inexorably into oversaturation and failure. The more they fail, the more "help" they need from those who are "successful" above them.

MLM restructures the traditional business model — manufacturer to retail shop to customer — such that sales agents working for the manufacturer sell directly to customers, bypassing the retail shop altogether. MLM companies can then convert customers into advocates for their products and possibly even sales agents. Because there is no retail store for the products they sell, MLM agents typically work from their homes, interacting with customers in the community or, more often, over the internet.
Interestingly, the issue of supply and demand is what brought the USSR to its knees. By design, the Soviet government tried to macro-manage supply, where bureaucrats would decide how many potatoes were needed, how much toilet paper, etc. Assuming these bureaucrats did the best they could, unfortunately their efforts to deliberately manipulate the control "knob" of supply and demand was not good enough. Notwithstanding their good intentions, they were usually wrong, which created huge shortages and surpluses, and led to a massive economic collapse.
Unfortunately, due to strict FDA laws, I am not legally able to say that CBD will help with your husbands specific condition, however I can direct you to some literature to help you better understand what CBD may offer. I have attached links below. As far as strength and dosage goes, tinctures and concentrates are absorbed the fastest since it goes directly into your blood stream; the dosage on these can be measured and controlled. Capsules take a little longer to enter your body since it goes through your digestive tract, these are also measured and controlled. I would recommend reading through our page on dosing as well to get a better understanding.https://cbdoilreview.org/cbd-cannabidiol/https://cbdoilreview.org/cbd-cannabidiol/cbd-dosage/I hope these help :)

Hemp Extract Oil or CBD Oil* and Hemp Oil are from a different Cannabis plant called Cannabis Sativa.  Hemp Extract is made from the entire plant including leaf, seed and stem.  Most oils on the market selling as CBD oil are 97% or more Hemp Oil, mct oil or vegetable glycerine and 3% Hemp Extract. This does not contain THC and is legal in all 50 states.
I've spoken with enough friends and other people who are into network marketing to know that the default response to this is "Oh, but this plan is different." Sure, every plan has different tweaks and details, but fundamentally they are all the same. The company is going to make tons of money selling an outrageously overpriced product every month to their captive audience buyers: You, and any friends you recruit. Not one of you has any realistic hope of coming out ahead. My advice to everyone involved in network marketing: Simply stop now. Stop convincing yourself that profits are just around the corner if you just buy a few more cases of expensive product. Just stop now, walk away, consider it a lesson well learned, and don't give them another dollar.
For most MLMs, the product is really a mere diversion from the real profit-making dynamic. To anyone familiar with MLMs, the previous discussion (which focused so much on the fact that MLMs are "doomed by design" to reach market saturation and thus put the people who are legitimately trying to sell the product into a difficult situation) may seem to miss the point. The product or service may well be good, and it might oversaturate at some point, but let's get serious. The product is not the incentive to join an MLM. Otherwise people might have shown an interest in selling this particular product or service before in the real world. The product is the excuse to attempt to legitimate the real money-making engine. It's "the cover."
People generally tend to prefer either the unilevel or the binary compensation plans. But, the breakaway compensation plan also has benefits of its own. With the breakaway compensation plan, creating breakaway legs offers more of an opportunity to build passive income. Ultimately, which compensation plan is best is up to where you think your strengths will help you excel most.

Unlike marijuana, hemp is legal in all 50 states according to state laws. The federal government, on the other hand, still recognizes the Controlled Substance Act of 1970, which defines agriculture, production, sale, and use of any type of cannabis as illegal — but it’s also not bothering people who purchase and use hemp CBD products. What’s more, the federal legal status of hemp will likely soon be changing.
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.
The 3000 tincture has been very helpful for me with: chronic & acute wide spread pain, headaches, anxiety, sleep, nausea, & allergies....not a complete cure, but a tremendous help with all of these, & with absolutely no side effects (& I am extremely susceptible to any side effects from meds & some supplements)....very happy to have found this product.
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