Diana Bendit of Virginia has used a home-equity loan to pay off a car. I “reduced the interest I would have to pay by more than half and paid it off faster with less cost. If someone is paying 8 percent and can reduce that to 3.5 percent over the same time frame using a home equity loan, that is a no brainer to me. I wouldn’t roll that debt into a refi because the payments over 10 to 30 years are not a good deal. The only reason to do this is to reduce interest payments and pay off the debt faster.”
Imagine that Wendy's became suddenly possessed by the idea that "everyone needs to eat," and opened four Wendy's franchises on the four corners of an intersection in your neighborhood. Who would benefit from this folly? The consumer? Certainly not the franchises; they would all lose. Wendy's corporate? Perhaps temporarily, by speculative inventory sales while the unfortunate franchises were under the delusion that they could all make money. But in the end, the negative image of four outlets dying a slow death would likely offset the temporary inventory sales bubble. Even the most unreflective of the hapless franchisees would think twice about doing business in such a manner again. This is why real-world distributorships and franchises are contractually protected by territory and/or market.
How do we insure that our CBD rich hemp oil is free of these harmful contaminants? We test. And we test again. We use a highly esteemed laboratory. We test for potency- meaning that we test to insure that our claims are accurate- and we test for a complete profile of biological, heavy metal and pesticide contaminants. We encourage others to do the same.

Customers should always request third party lab results that test for potency, pesticides, residual solvents, and mycotoxins of the CBD hemp oil. If a company is reluctant to share these results with you, it should automatically be a red flag and indicate that they have something to hide. We’ve done the work and checked if these brands offer those tests to their customers.


Unfortunately, many pyramid schemes attempt to present themselves as legitimate MLM businesses and, often, it can take many years for the FTC to finally step in and close down these fraudulent companies… so BEWARE! Do your due diligence and avoid any opportunity that emphasizes recruiting members and getting paid, rather earning commissions for the sale of products and services.

Now, many people are understandably flummoxed by a very active campaign to convince the public that CBD is different depending on whether it’s derived from marijuana or hemp.  Hemp and marijuana are both Cannabis. Hemp is Cannabis sativa, and marijuana is either Cannabis sativa or Cannabis indica. Hemp is simply the common and legal term for cannabis that contains less than .3% THC, and marijuana is the common and legal term for cannabis that contains .3% and more THC.

When it comes to selling product, MLM sales reps are probably no more aggressive or obnoxious than ordinary salespeople. Since most are not salespeople by nature, and it is characteristic that MLMs attract few people with any experience selling this particular product or service, they usually sell through pre-fab "parties" or home "demos." Thus, sales pressure is exerted by situation, if at all.


In April, Stern quietly put all her inventory on sale for 25% off, paid off her credit-card debt, and got out. She’s an example of someone who rode the wave and managed to leave before wiping out entirely. She has now started a new company selling leggings using the same skills she learned from selling LuLaRoe—without the binding policies, and with an added charity element. She’s one of the fortunate ones. But what about the rest?
It is a strict violation of the Food and Drug Administration DSHEA guidelines to make medical claims about the efficacy of CBD products in the treatment of any medical condition or symptom. Although preliminary research has shown tremendous promise of CBD oil helping people in pretty remarkable ways, legitimate CBD companies will refrain from making any direct medical claims. Be very wary of companies that defy this guideline, because if they disregard this particular rule, what other rules are they willing to ignore?
Get literate. Secure copies of all available company literature, including the company’s most recent financial statement, to check gross sales. Bear in mind that in most cases this document will be next to impossible to get unless the company is publicly owned. But ask anyway. Look at the number of years the company has been in business, the areas where it operates, and how many distributors it has. Talk to company officers about the average earnings of its distributors, its product return policies, and the distributor dropout rates.
Some individuals have been found to have mutations on the CNR1 gene, which is responsible for coding the CB1 receptor (a type of receptor in cells throughout your body that interacts with cannabinoids). Issues with the CNR1 gene can ultimately result in a poorly functioning endocannabinoid system, which is an important variable when figuring out how to use CBD oil.

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.
Our CBD products and extracts are derived from hemp (not marijuana), and can also be referred to as CBD-rich hemp oil, hemp-derived CBD oil, CBD-rich cannabis oil, or plainly “hemp extracts,” since they typically contain more than just CBD. However, CBD oil is different from hemp seed oil and organic hemp oil, as these are derived from hemp seeds (not the resin) and do not contain cannabidiol.
The stark fact that hemp oil comes from cannabis plant, which is immensely controversial in many countries of the world because of its psychoactive capabilities has led to significant masking of data regarding hemp oil. Most countries now have regulations set in to determine what deserves to be called hemp oil. There is often a cap on the highest detectable limit of THC in hemp oil.

Have any of you actually noticed that you keep asking where to get it and from whom? Who ever wrote this had no intention of giving information other than the difference between Hemp and CBD. They likely don’t know where to get the real stuff and if they do, they are not telling you. Maybe because they don’t want to, or may not legally be able to do so. So if you see a hundred questions about where to get it and none have been answered, your inquiry is not likely going to be answered either. You are all wasting your time. Take time to stop and read others comments.
As an advocate of industrial hemp, Nutiva Founder John Roulac successfully sued the US Drug Enforcement Administration in 2002 to keep hemp foods legal, paving the way for hemp foods to be sold in the United States. Roulac has authored four books on environmental topics including composting and hemp that have combined sales of over one million copies. With expertise ranging from home composting and natural healing to forestry, hemp agriculture, GMO labeling and organic farming, Roulac has founded five nonprofit ecological groups, one of which, Forests Forever, placed the California Forest Protection Act (Prop 130) on the state ballot in 1990.
In a normal business, the purpose of commissions is to encourage sales; in an MLM, the purpose of sales is to encourage commissions. Everyone wants to be at the top (earning commissions), and nobody wants to be on the bottom (selling). The fatal flaw of pyramid schemes (and MLM, by extension) is that there has to be a bottom somewhere. If everyone recruits, and nobody sells, that's a pyramid scheme - in all but name.

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.
Customers should always request third party lab results that test for potency, pesticides, residual solvents, and mycotoxins of the CBD hemp oil. If a company is reluctant to share these results with you, it should automatically be a red flag and indicate that they have something to hide. We’ve done the work and checked if these brands offer those tests to their customers.
The CBD oil we offer has a couple different applications. You can hold a sublingual dose under the tongue for 30-60 seconds (recommended for fastest absorption), apply the oil topically to your skin (can be applied directly to a problem area or mixed with your favorite moisturizer), or blend the oil in a health-conscious smoothie. We will include further dosing instructions with the product.
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.
And there is some promising research. Since it doesn't give the "high" feeling of THC, CBD may offer people the opportunity to lessen anxiety, sleep better, reduce pain, and treat a whole host of other ailments. In fact, I'd heard so many people talk about the benefits of CBD oil in the past year or so, that it sounded too good to be true—which is exactly why I decided to try it for myself.
During the depths of the Great Recession, Donald Trump counted among his many income sources a side gig as a pitchman for ACN Inc., a company whose “members” sold newfangled videophones and other products. “Trust me, it’s changing everything,” he promised in a 2009 promotional video shown to eager crowds of recruits, many of whom would fork over nearly $500 to sell ACN phones in hopes they could sign up more would-be entrepreneurs to do the same. “Believe me, it’s ultimately a dream come true,” said Trump, who also featured ACN on episodes of The Celebrity Apprentice.
Elixinol’s newest and most advanced formula for CBD oil is now available, called Respira. Respira is a versatile, multi-use product designed for convenience and ease of use. It is a high quality, full spectrum cannabidiol tincture that’s great to be consumed orally. Elixinol™ is a Hemp Oil derived from specially bred Hemp plants with a high CBD content. The Hemp we use is grown organically, and CO2 extracted.
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 and Marijuana come form the same plant family, but are completely different in function, cultivation and application. Marijuana generally has a high level of THC (a psychoactive compound that makes you feel “high”) and is used for medicinal or recreational purpose. Hemp contains a negligible amount of THC (but is high in CBD) and is used in dietary supplements, skin products, clothing and paper.

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.
“Multi-level marketing is one form of direct selling, and refers to a business model in which a company distributes products through a network of distributors who earn income from their own retail sales of the product and from retail sales made by the distributors’ direct and indirect recruits. Because they earn a commission from the sales their recruits make, each member in the MLM network has an incentive to continue recruiting additional sales representatives into their ‘downlines.'”
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.
"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?
Disclaimer: While we work to ensure that product information is correct, on occasion manufacturers may alter their ingredient lists. Actual product packaging and materials may contain more and/or different information than that shown on our Web site. We recommend that you do not solely rely on the information presented and that you always read labels, warnings, and directions before using or consuming a product. For additional information about a product, please contact the manufacturer. Content on this site is for reference purposes and is not intended to substitute for advice given by a physician, pharmacist, or other licensed health-care professional. You should not use this information as self-diagnosis or for treating a health problem or disease. Contact your health-care provider immediately if you suspect that you have a medical problem. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease or health condition. Amazon.com assumes no liability for inaccuracies or misstatements about products.
For a portion of independent retailers, LuLaRoe is to economic opportunity as Goop is to wellness: It’s for ladies who already have it all. The ability to throw down $12,000 to start a LuLaRoe business and work 30 hours a week sometimes comes from a place of privilege, not desperation. Some mothers who are just looking for a hobby have husbands whose salaries are already high enough to support their families. “I felt like I was trying to keep up with the Joneses to stay in business against these other consultants who can afford to drop a $500 order every few days,” Ashley says.
In most cases, you can sign up to become a Network Marketing Distributor online, by making an initial investment and completing an ‘Independent Distributor Agreement.’ When you do sign up with a Network Marketing company, you are not considered an employee, usually, but seen as a representative, a dealer or a consultant (depending on the type of company you are representing). You may even consider yourself as a business owner.
CBD oil is similar to other products in that it is capable of being “watered down.” Some companies will try to eke out a higher profit margin by fooling their customers into thinking they’re getting more for less. It is important to pay attention to the concentration level of the CBD oil you’re buying in order to ensure you’re getting what you’re paying for. Although concentrations of CBD can vary quite a bit across the broad range of CBD products, a quality product will start off having somewhere between 250mg to 1,000mg per fluid ounce. This matters because if you were to purchase a 4 ounce bottle that contained 250mg of CBD, your concentration would be a mere 62.5 mg of CBD per ounce – hardly enough to reap the full benefits of CBD. It’s always important to look at the concentration level of the CBD you’re buying.
“I wouldn’t be where I am today without the knowledge I gained from [Michael’s] live events and training CDs. Two MUST-HAVE [programs] in your CD library should be ‘The Total Success Pack‘ and ‘Building a Better Life.’ I’ve listened so many times I’ve lost  count. PRICELESS information for your journey to success in business and in life… ‘Easy to do. Easy not to do’ The choice is yours.”
According to numerous independent analyses and the MLM industry itself, the vast majority of MLM distributors make little to no money or lose money;[1] according to one researcher, "you'd be hard-pressed to find anyone [in network marketing] making more than $1.50 an hour".[9] Some MLM participants lose much more than just money, squandering social capital and damaging careers, reputations and relationships.[10]

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.


Our hemp extracts may be extremely low in THC, but they are rich in terpenes. Terpenes are organic compounds and isomeric hydrocarbons (C10H16) found within hemp flower excretions. At Bluebird Botanicals, we develop the genetics for our hemp in highly-specialized Colorado greenhouses and source our crops from outdoor farms, which use organic growing methods and no pesticides. These farms cultivate specialty high-terpene hemp plants specifically bred to for the production of hemp and CBD oil.

Pyramid schemes (which are illegal) require people to invest money up front, based on the promise that others will put more money into the system, some of which will filter back to the original investors. A pyramid is strictly a money game that rarely deals in real commerce. In most cases, there’s no product involved at all; only money exchanges hands. And while some pyramids may have a product, it’s there solely to disguise the money game.
Disclaimer: This product is not for use by or sale to persons under the age of 18. This product should be used only as directed on the label. It should not be used if you are pregnant or nursing. Consult with a physician before use if you have a serious medical condition or use prescription medications. A Doctor’s advice should be sought before using this and any supplemental dietary product. All trademarks and copyrights are property of their respective owners and are not affiliated with nor do they endorse this product. These statements have not been evaluated by the FDA. This product is not intended to diagnose, treat, cure or prevent any disease. Individual results will vary. By using this site you agree to follow the Privacy Policy and all Terms & Conditions printed on this site. Void Where Prohibited By Law.

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For legal reason I can’t make any claims that our product will treat or cure your neuropathy or any other medical diagnosis. However, If you do your research on google you may find a tie between full spectrum hemp oil and Neuropathy. Our product is great for assisting with pain, inflammation and stress. If you are feeling pain or experiencing inflammation you should try our product. Now if you have serious pain I would suggest our premium hemp oil drops at 5x strength.
This may be a good place to point out that not all CBD products are created equal. The industry is still largely unregulated, and the quality and quantity of CBD in a given product will vary wildly. Third party testing definitely helps to monitor companies’ claims, but it’s still up to you as the consumer to do your homework on the best CBD products.
Medterra is a miracle worker for helping me through my recovery process after suffering a compound fracture in my arm followed by a major surgery. This product was my go to over any pain pills provided by my doctors, helping deal with the (insane) pain and ease my sleep cycle without any side effects or grogginess. Cant praise this product enough for allowing me to heal naturally!!
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