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I tried so hard to lead her in the right direction: I actually would think it's more sketchy if you didn't? you're investing in the products so you can have your own results, and starting your own business. $99 is a lot less overhead/ start up than if you were to go start your own franchise etc .I can text you all the info on how we're paid etc if you want! That's illegal. I pay taxes & hi O happy Monday! im looking for a couple people who want to make an extra income from their phone with my Nope sell products! Pyramid schemes are where you mass recruit people to join your team & you get paid for it! VERY illegal & not what this is. We're a debt free, billion dollar network marketing company that has been around for 18 years! Would you at least be open to hearing more about it? training. im on a top #25 income earning team globally with a work from home business, and this opportunity has given me the freedom to quit my job, purchase our first home, and travel the world with my family. absolutely no pressure, but I at least wanted to reach out to see if Have you ever looked up ItWorks income disclosure statements? SAT 11:53 AM you'd be open to info Does it cost money to join? DEC 30, 8:56 PM I have. I can send you one if you want! Haha l've been in the company SUN 6:00 PM What company? almost two years and it's allowed me to retire myself from corporate America at age 23, after working as a property manager 50-60 hrs a week just to make ends meet. We were also able to purchase our first home & pay It's not free -I can text you the rest of the info if you want? JAN 2, 11:59 AM Itworks! Have you ever heard of it? YESTERDAY 5:10 PM for my daughters delivery in cash because of this biz e. Like I said, I can send you the full run down if you JAN 3, 9:11 AM Hmm. Doesn't it seem kind of sketchy that you have to pay to work for a company? Hmm. Isn't that like a pyramid want more info scheme? I'd love to see the income stats you I actually would think it's more sketchy if you didn't? you're investing in the products so you can have your JAN 3, 10:16 AM have? Thatle :Ilaal Own roculte and ctarting vour own Message Message run down? It Works If Works! Oworks So 94% of the company just isn't working hard enough...? Do you see why those statistics show that there are really not good odds? You're literally more likely to lose money Works 2018 Income Disclosure Statement DISTRIBUTOR PAID RANK battoR WUST DOVLE DAMON CLOSE-MINDED Except less than 6% of the company makes that much and 83% make less than $600 a year..and none of those figures are counting expenses so net income is probably even less This is what I found and tbh it doesn't look great lol What isn't great about that? I am pushing for triple diamond this month and my hubby for double. We make a dual income with this. This is where 7:57 AM Very little people are willing to do what it takes to get to the top of the company. It's not a get rich quick scheme. It's a business. I'm no You say close minded, I say making an informed decision after looking at you should be looking facts different than you, or anyone else for that matter. If I can do this, so can you. Do you want me to text you the 4 run down? Works O Work 2018 Ineome So 94% of the company just isn't working hard enough...? Do you see why those statistics show that there in I tried so hard to lead her in the right direction

I tried so hard to lead her in the right direction

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First hun in a while. Thought I’d try to convince her to back out—she just joined this week.: 10:47 ll Active 8m ago Active 8m ago Conciudeu that 9970 oi peopie who sell from a multi-level- marketing company either lose Неy Tappreciate your Неу sweet words and that you thought of me. I'm glad you're doing well. money or make less than minimum wage. (https:// www.ftc.gov/sites/default/files/ documents/public_comments/ trade-regulation-rule-disclosure- requirements-and-prohibitions- concerning-business- opportunities- ftc.r511993-00008%C2%A0/000 08-57281.pdf? utm_source=share&utm_medium= ios app&utm_name=iossmf) Been having you on my mind recently, and had to reach out! You have such a strength of your While I'm happy for your new venture, l'd feel really dishonest if I didn't tell you straight up that l'm own and a presence that lightens the room. Also, congragulatios on your engagement! Ya'lls photos worried about Arbonne. The are stunning! Arbonne Income Disclosure Statement explains that less than Recently I started my own health 99% of active Arbonne sellers and wellness biz with Arbonne! either lose money or make less than minimum wage. The FTC published this detailed study that concluded that 99% of people Maybe this is not something you are remotely looking for, but you are one of the friends I would I'm in grad school, so I know how it can feel when money is tight and you're trying to find a side gi to help pay the bills, but l'd really encourage you to be very careful really love to journey with. who sell from a multi-level- marketing company either lose Would you be willing to take a look at what I am doing? money or make less than minimum wage. (https:// www.ftc.gov/sites/default/files/ documents/public_comments/ trade-regulation-rule-disclosure- requirements-and-prohibitions- concerning-business- opportunities- ftc.r511993-00008%C2%A0/000 08-57281.pdf? and cautious with a multi-level- If it's not for you, it won't hurt my feelings, but it would mean so much to have the opportunity to marketing company. I really hope this doesn't offend you, I promise l'm saying all of this out of genuine concern and respect for our friendship. I truly do hope you're doing well. O share it with you and see. We would love to get to know you better and invest time to help find the best solutions for any need you may have. utm_source=share&utm_medium= ios app&utm_name=iossmf) www.ftc.gov ftc.gov Look forward to hearing from you! I'm in grad school, so I know how Aa Aa Aa :) First hun in a while. Thought I’d try to convince her to back out—she just joined this week.

First hun in a while. Thought I’d try to convince her to back out—she just joined this week.

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L'BRI rep in marketplace gets wrecked!: Who's up for a Change in 2020?? Be Your Own Boss !!!- Work when you She's a L'Bri No one is interested in ruining their lives with MLM pyramid scheme crap. Quit shilling, bye consultant per her profile. You have to spend money to start your want!!- Earn unlimited income??!! You'll never know until you give it a try!!! 0083 "business". Then Like Reply 6h you have to harass all your friends and family to buy products they don't want, need, or can afford. Then you have to spend the very little money you may make buying more supplies, catalogs, I ONCE WENT JOB HUNTING, HIRED MYSELF Who still falls for this? OS 4 5h Like Reply da V. Wait these are fake . Sounds like MLM but ok etc. The more 01 5h Like Reply people this lady recruits the more 13 003 money she makes. Info please O1 Never looked back. a okay I was just yuu Tu juoI Juummny poupic thank to make a buck for yourself. you. curious to see what it 5h Love Reply was. I'm so glad people are done falling for this predatory MLM bull crap. 99% of people lose money while participating in MLM schemes. Essentially you're just scamming people to make a buck for yourself. 5h Reply Like the FDA and FTC is really cracking down on these fools. Advocare got Mon pm sent annihilated..Lularoe (sued)...Monat, Younique and Rodan & Fields all have class action 5h Like Reply 5h Love Reply lawsuits against them. IG won't let influencers post false claims anymore. Just keep spreading the TRUTH and reporting these posts!! dont fall for the b.s. 4h Like Reply 4h Like Reply IT'S ATRAPH PIC•COLLAGE GIPHY L'BRI rep in marketplace gets wrecked!

L'BRI rep in marketplace gets wrecked!

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Thought I might post this again since I took a long time to make it and don’t want it to go unnoticed: Bat can be caught with bug net, but some you can obtain from crates. You can also do QUests trom the anglor and he'l give you a Feward if you do it. Also truffle womm wil not work as normal balt, and you shouldn't use it at the ocoan until you have pretty good Piggy bank can be bought from the merchant, If you put all your money in it you can still buy stuff with the money that is inside of it without taking the money out. You also don't lose money the money in your piggy bank when you die. Adamantine/titanium amor are very powerful and can be used to kill all 3 mechanical bosses (twins, skeietron prime, destroyer). You can fish for both bars or you could go mining. If you go mining you can't obtain both ores, only the one your world goar. Bait hema Hem BP Rarity Apprentice Bat has Piggy Bank 15% Joumeyman at 30% oe Adamantite armor Master Bait Blue Jelysh a 20% Green Jelysh tai 20% Petfih at) 20% e yrph uey đng xos Goldumertyme Purple Eper ertly * Red Admal Buterty a Buterty 25% Statistics 20% Hallowed mimics can be found naturaly and can be spawned by placing a key of light (made from 15 souls of ight), and have a chance to drop Daedalus Stormbow. This with holy arrows (unicorn horn and 200 arrows) can deal some serious damage Zebra Swalowal Buerty suutur Bumurty *Monch ner a Lighering Bug Type Armor • Set 15N 32/50/36 28/46/32 3DS Defense Headgear: 19% reduced mana 20% ack Scorpion usage Scorpion Helmet: 18% increased melee God Worm 1 Enchanted Nightorater 35% e Set Bonus and movement speed Mask: 25% chance to not 25% consume ammo Glwing Snal Rarity agbo Pod 10% fou Greshr E Grashogoer Sell 70 200 (set) 10% 25% Grubity Thufe Wor O reddit Posted in r/PewdiepieSubmissions Thought I might post this again since I took a long time to make it and don’t want it to go unnoticed

Thought I might post this again since I took a long time to make it and don’t want it to go unnoticed

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Here are a few tips that I've gathered while playing Terraria for awhile. This also took longer than usual to make, so I hope Pewds sees it! Sorry if quality is kinda crappy, its currently 12:51 AM in where I live.: Bat can be caught with bug net, but some you can obtain from crates. You can also do quests from the angler and he'l give you a reward if you do it. Also truffle womm will not work as normal bait, and you shouldn't use it at the ocean until you have pretty good Piggy bank can be bought from the merchant. If you put all your money in it you can still buy stuff with the money that is inside of it without taking the money out. You also don't lose money the money in your piggy bank when you die. Adamantine/titanium amor are very powerful and can be used to kill all 3 mechanical bosses (twins, skeletron prime, destroyer). You can fish for both bars or you could go mining. If you go mining you can't obtain both ores, only the one your world goar. Bait tems tem BP Rarity Apprentice Bait has Piggy Bank 15% Journeyman Bat 30% be Adamantite armor Master Bait 50% Gngo Blue Jellyfish bat) 20% Green Jellyfish tbait Pink Jelyfish bait) 20% E Tree Nymph Buterfly * Gold Bumerfly * Purple Emperor Butterfly * Red Admiral Butterfly E a Butterfly E Uyses Buterfly Zebra Swallowtail Buterfly 3 sulphur Butterfly Monarch Burterfly & Lightning Bug 50% ng 35% boe 30% be 25% Statistics 20% Hallowed mimics can be found naturally and can be spawned by placing a key of light (made from 15 souls of light), and have a chance to drop Daedalus Stormbow. This with holy arrows (unicorn horn and 200 arrows) can deal some serious damage Type Armor • Set 15% 10% 32/50/36 Defense 28/46/32 3DS 20% Headgear: 19% reduced mana Black Scorpion usage Scorpion Helmet: 18% increased melee and movement speed Gold Worm 3 Enchanted Nightcrawler 2 Worm 50% Gng Set Bonus 35% boe Mask: 25% chance to not 25% consume ammo Glowing Snail 15% Snail 10% Rarity agbo Pod Gold Grasshopper *Granshopper Buggy Sluggy Grubby Sell 70 200 (set) 10% 40% be Truffle Worm 606 p Here are a few tips that I've gathered while playing Terraria for awhile. This also took longer than usual to make, so I hope Pewds sees it! Sorry if quality is kinda crappy, its currently 12:51 AM in where I live.

Here are a few tips that I've gathered while playing Terraria for awhile. This also took longer than usual to make, so I hope Pewds sees...

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Just witnessed this exchange. I am laugh: See Your Memonies > ain't no way you believe this Like Reply 8h why you think it's flat Like Reply 8h Dec 18, 2018 at 9:32 AM · O give me one good reason why you don't. Earth just don't think it's Reply 8h Like a big ass ball just floating O# 2 8h Like Reply s because the earth revolves around the sun and all parts of the e i'm weak af earth see the sun 8h Like Reply 8h Like Reply I how you know dat? I'm just being honest Like Reply 8h 8h Like Reply Bc dats what you were always taught so you don't know what's really going on up there y'all weird Like Reply 7h MAR Like Reply 8h Rman hell nah, I just be tryna figure out what hell really going on in dis world what these mfs really bruh when you fly to the other side of the w world they see the sun all you gotta do is check the weather hiding, and what dey don't want us to find out Denlu I ike Lika 7h Renly 30 Comments · 1 Share Write a reply. Write a reply. GIF GIF кернеs Replies nepies ** bottom half of the world how they Bon god bruh its all a lie they just wanna control us frfr standin upright and not upside down it's definitely stuff they hiding from us but i don't think that's one of em cause that theory don't Like Reply 3h Like Reply 3h make sense Dea y so how come boats don't fall off the earth? Like Reply 7h ymfs simple minded Like Reply 3h Like Reply 3h NI so why mfs in the southern hemisphere ain't fell off the you just answered your own question my nigga gravity is what keeps us all here N if it's round i wanna earth if it's round they either walkin upside down or gravity on they know too hell e side 3h Like Reply 3h Like Reply Like Reply 3h it is bruh i'm telling you cause i agree wit y'all they is hiding stuff from us on god they is but what do they get from not telling us the earth flat you talking to me? if the earth is flat what do they get out of keeping that from us? Like Reply 3h Like Reply зh nah lol brenden ass 3h Like Reply Vif they at the bottom half of the world how they standin upright and not upside down 3h Like Reply I they gone lose money , i bet you can't find two of the same pictures of EARTH on google, all of em different but why if they Like Reply Зh Im sayin ion believe none of dat shit Dey be telling us Like Reply 3h so how come boats don't know what it look like fall off the earth? Deel PIC COLLAGE Write a reply.. Write a reply. Write a reply. GIF GIF GIF Just witnessed this exchange. I am laugh
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Help me respond to this pro-MLM store that hosts events full of MLMs: EGeneral Store and Country Cafe Knightsville General Store and Country Cafe Geeral Kigvi 5.1K people like this including Donna Dantzler Caray Ce Restaurant SUN 10:32 AM Hi, I'm excited for your event today, but part of your Description is misleading. Vendors like Lularoe, Scentsy, Paparazzi, and Dot Dot Smile are not "small businesses", and they're not local. They are simply distributors of mass-produced items by MLM companies. An honest event should refer to them as "distributors", not small businesses. MON 11:52 AM Thank you for reaching out, I hope you were able to attend and enjoy our event. However, I do take exception to your "honest event" comment. Yes, while most MLM companies are distributors, the representatives we have at our events are all local residents who have invested their hard-earned money into their own inventory of quality products that they love from these companies. They are neighbors, family and friends who work hard at establishing relationships with their customers and to provide items that many enjoy, which is what any "small business" owner does. Maybe you aren't aware, but ALL businesses, small and large, purchase items from distributors but that does not make them any less of a business. I hope that helps you to understand why we call them a small business and will continue to do so. Thank you for your response. As an MBA, I can confirm that these MLM distributors are not "small businesses" according to the IRS or FTC, as the majority of them do not have business licenses nor employees, bonding or insurance or even a Balance Sheet or IRS Form 1120. You are correct that some legitimate small businesses distribute products from larger companies (such as a local salon or spa selling a specific brand), but that is not their primary function. Furthermore, distributors are encouraged to "recruit" other people into the actual corporation to sell the same products on commission in an endless pyramid of recruiting, even though they often lose their "invested" money. Legitimate businesses limit the number of employees to specific tasks and pay them a set salary. The FTC has issued a warning against these companies: https://www.consumer.ftc.gov/articles/0065-multi-level-marketing-businesses-and- pyramid-schemes As quoted by the FTC's very detailed study about MLMS: https://www.ftc.gov/sites/default/files/documents/public comments/trade-regulation- rule-disclosure-requirements-and-prohibitions-concerning-business-opportunities- ftc.r511993-00008%C2%A0/00008-57281.pdf "Failure and loss rates for MLMS are not comparable with legitimate small businesses, which have been found to be profitable for 39% over the lifetime of the business; whereas less than 1% of MLM participants profit. MLM makes even gambling look like a safe bet in comparison." For these reasons, a local person who has signed up to distribute for an MLM company is not a Small Business, and we can all help clear up the misinformation about this, which can help prevent new recruits from being in the 99% who lose money in these ventures. Thank you for your time, and for organizing the event. UNITED MISSION FEDERAL TRADE COMMISSION EICA A PROTECTING AMERICA'S CONSUMERS Multi-Level Marketing Businesses and Pyramid Schemes Are you considering a business opportunity that involves selling products to family and friends and recruiting other people to do the same? consumer.ftc.gov Well I'm sorry that your "MBA" has kept you from having more of an open mind. The majority of small business owners who attend our events do in fact have a business license, do have insurance and do make a profit. Turns out that purchasing product at wholesale and selling it for retail does in fact make it a business. There is a significant difference between a legit MLM and a Pyramid Scheme, so please don't confuse the two. It's actually very offensive to those who work hard to build their business so that they can provide income for their families. As a college graduate, entrepreneur AND business owner, I can attest to the fact that making a profit or not makes no difference of whether you are a legitimate business. And an article comparing failure and loss rates, from the government no less, certainly will not change my mind. But if you are interested in reading articles, here's a few more you might try - https://www.linkedin.com/pulse/11-amazing-benefits-starting-network-marketing- business-rina-chong "When you join a network marketing company you're starting your very own home- based business.. https://bestleap.com/5-great-advantages-multi-level-marketing/ "Now we will discuss 5 biggest advantages that MLM brings to all businesses as well as individuals. Low risk. Huge potential income. Low operating cost. Attainable Freedom. Portability." So yes, I would love to help clear up the misinformation on these small home-based businesses. I actually know many MLM representatives, including my daughter, that make significantly more money than most "legit" small business owners because it's not about the business itself, it's entirely up to the person and how hard they are willing to work. Your numbers are inaccurate because the majority of recruits sign up to receive a discount on their first order and never do anything more with it or they're lazy and expect to collect money without having to work. Maybe a little more research would help clear up the misinformation as well. COMMIS Help me respond to this pro-MLM store that hosts events full of MLMs

Help me respond to this pro-MLM store that hosts events full of MLMs

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After moving to a new state I downloaded bumble to find friend. This is the first conversation I had on the app. I tried to reply “statistics are opinions?” But she blocked me: and an hour or 2 to spare a day you can work this business and make a full time income it's great Mercedes Benz #1 fleet partner Working my business a little and watching my neighbors kiddo 3 Oh wow. So how much do you make a month? 2 It's not a pyramid scheme i it? Haha I'm a receptionist at a software company so if the phone isn't ringing and there's no emails to go through I'm pretty bored haha I'm at the 1st fevel of 4 heading to second level at end of the month so I'm making close to $3000 a month with bonuses No! Wo have been around for nearly 40 yoars. Very much legal and we partner with Tiffany and co and are Mercedes Benz #1 fleet eport What's your business? partner Wow that's awesome. I was just looking up that stats online and it says only 1% of Argonne consultants made $1,531/month and only 34% earned $5,987/month before expenses and personal purchases were deducted so you must be great at it. But since 83% of consultants Delivaret Oh wow. So how much do yc make a month? Iused to have a job like that haha Deli I have a business with arbonne:) if you have a phone and an hour or 2 to spare a day you can work this business and make a full time income it's great I'm at the 1st level of 4 heading to second level at end of the month so l'm making close to $3000 a month with bonuses make no money or lose money, l'll have to pass PReport Delivet Report Your message Your message Your message The difference between multilevel marketing and a pyramid scheme is multilevel marketing focuses on selling products and pyramid schemes focus on recruiting people and seeing that you've only had interest in recruiting me, not even mentioning the products. I think I have my answer ren't entirely accurate because it doesn't show the entire picture since 83% of consultants make no money or lose money, l'll have to pass They literally got sued for being a pyramid scheme and the case only got dismissed because both parties agreed to settle outside of court(meaning airborne paid to keep them quiet without it being public record) Thats for peopie who tarve an arbonne business but don't work it.. my eritire successine works their business and makes money 6. 4 5 You sound like me befora Girt I came on here for joined The difference between Triends. I LITERALLY JUST MOVED HERE 1 dian't ask for multilevel marketing and a pyramid scheme is multilevel marketing focuses on selling products and pyramid schemes focus on recruiting people and seeing that you've only had interest in recruiting me, not even mentioning the products. I think I have my answer You anly las monay if vou are careless with your money You buy what you want when you want you to try to read blog posts for me filled with opinions not facts. You askad. Ianswered. Arbonne has room for the top tor everyone it you choose to work your business. Therefore those statistics aren't entirely accurate because it doesn't show the entire picture See ya lieprt Your message Your message Your message After moving to a new state I downloaded bumble to find friend. This is the first conversation I had on the app. I tried to reply “statistics are opinions?” But she blocked me

After moving to a new state I downloaded bumble to find friend. This is the first conversation I had on the app. I tried to reply “statis...

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My conversation with a friend who started selling itWorks recently. Compassion can go a lot further than mocking. She hasn’t posted about it since we chatted.: Hey, seeing this makes me a little sad. You and I both worked for 12+ months to lose weight through meal planning and regular exercise but these supplements never seem safe for people, and they always promise fast/miracle results that aren't sustainable. I'm glad that you have found something you like, and I am so proud of your ability to maintain and improve how you want, but be careful with this company. 99%of people who join MLMS lose money and their business practices are barely legal. Thanks for your honesty! I haven't been doing it for very long and was just hoping to supplement my income some. I have been using these products and have seen results but I also know this is due mostly to my hard work and dedication. But I really do understand where you're coming from. I'm still skeptical myself. I hope you do make money with it if that's your goal, but just keep your eye for manipulation tactics from your upline or pressure to buy things to maintain your status. They guilt you into things by being friendly and setting up payment models that are more complicated to understand than flight instructions. These companies primarily rely on women who need a little more money, and guilt them into staying. If you like Podcasts, The Dream is really good and it talks about all sorts of these companies. I want to get my fitness instructor certification and teach some classes on the side in the next several months. It's been really nice finding something new to explore. I've been doing it for barely a month and haven't been doing a ton in terms of selling. Like I said I'm still trying to see if I am actually interested in this. I really do appreciate all your advice. It's certainly helping me. And l'll check out the podcast My conversation with a friend who started selling itWorks recently. Compassion can go a lot further than mocking. She hasn’t posted about it since we chatted.

My conversation with a friend who started selling itWorks recently. Compassion can go a lot further than mocking. She hasn’t posted about...

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An email my mum sent me after I called Arbonne a pyramid scheme...: rewards come from the sale and consumption of products, not recruitment itself. Some pyramid schemes try to disguise themselves as direct selling through value claims for joining fees and illusory products but essentially these schemes require payments to share in payments by later recruits to the scheme. This is an exert I took from DSA Hey Heids Pyramid schemes are prohibited by Australian law. They take different forms with some cleverly disguised as direct selling in an attempt to avoid detection. Generally a scheme is illegal if a person is encouraged to make a payment to join a scheme (participation payment) for the right to payments or other benefits from recruiting others into the scheme (recruitment payment). Mathematically the scheme must fail with early participants gaining at the expense of later participants. I was just talking to my friend the Arbonne products & how we love them. Anyway, I asked about the pyramid selling, direct selling, multi level marketing. about She put me onto a site "Direct Selling Australia"(DSA) so I could get clearer. Anyway,just wanted to share with you, because it is a legitimate direct selling Co with no get rich schemes, but has high quality control & no testing on animals with high quality products & support to help people improve their lives if that's what they choose. DSA are a representative body for direct selling in Australia. Arbonne is a direct selling, multi level marketing Co. You can make a percentage from the retailers that you sign up from what they buy and this does go up the line. But, it takes work. There is no get rich scheme, no one promises that. It's like any job, if you put effort & hard work into it, you'll probably get more out of it. So, Arbonne is definitely not pyramid selling as it's illegal & no-one profits on actually recruiting peeps. Direct selling is an established channel for retailing consumer products and services. Some mistakenly associate its multi-level reward structure for those engaged in selling its products with pyramid selling. There are key differences. First, any cost in joining a direct selling organisation is usually small and real in value. And importantly, recruiting is an important aspect of business building but rewards come from the sale and consumption of products, not recruitment itself. Some mid ahamantur+a diamuin thamaaan Anyway, chat more on the subject if you want to, because as you know, I reckon that they'd be awesome for supporting your health with the EXtreme training that you put your body through & with your skin problems. I just want you to be as healthy & happy as possible little bear xx Love Mum This is an exert I took from DSA Life is worth livina...Just "Do it Reply Delete Move to Forward Delete Forward Delete Move to Forward Reply More Reply More Move to More happens and say nothing as it usually helps t sell their products. I've personally seen people claim their Oils, shakes, etc can cure everything from cancer to autism. profits on actually recruiting peeps." As they definitely do in that sense. Also, the recruitment scheme of having downlines literally looks like a pyramid which also leads to the term. 18,400 people (88%) earned nothing Re: Arbonne 1,544 people (7%) earned £42 a month 777 people (3.7%) earned £167 a month. 190 people (0.9%) earned £909 a month me 70 people (0.3%) earned £3,445 a month. To 18 people (0.08%) earned £12,366 a month. 1 Dec at 7:11 pm Also the fact that most people will make no money and in fact lose money after joining MLMS when they are told it is a side hustle to earn extra money. For Arbonne for example, 88% of people will earn no money at all. Income disclosure from 2018 in the UK show of the 12% that made any money A big issue that whilst you say MLMS are not get rich quick schemes, a lot of people in them will promote them as such. A big issue is that whilst there a legalities so that MLMS don't fall into "illegal pyramid scheme" category, because there are so many people working/distributing for the company and it's not governed super well, a lot of people will make false/outlandish claims which are This is before expenses too Here's my reference: https://www.talentedladiesclub.co m/articles/how-much-money-can-you-really- make-working-for-mlm-arbonne/ Hey mum, Yes, Multi Level Marketing (MLM) is not TECHNICALLY an illegal pyramid scheme as the company's actually have a product they sell whilst illegal pyramid schemes do not actually have a product, however, myself and many other people refer to them as such as MLMS utilise the same money making method as pyramid schemes as the more people you recruit into your down line, the more money you will make. Yes, you can make money on selling products but the only people who make the big bucks are the people with huge down lines as they are making percentages on hundreds of people's sales. So not sure what you mean by "no one profits on actually recruiting peeps." As they 18,400 people (88%) earned nothing 1,544 people (7%) earned £42 a month 777 people (3.7% ) earned £167 a month. Here's another interesting video: This is how MLMS target women https://youtu.be/TJemSXXTOxo technically illegal but will probably never be reported as people usually promote this to their friends and family. This video explains this a bit better: How MLMS break the law and get away with 190 people (0.9%) earned £909 a month. 70 people (0.3% ) earned £3,445 a month 18 people (0.08%) earned £12,366 a month Please don't take me not supporting MLMS as me not supporting you. I know you use the products because you genuinely like them, bu I can't support companies that i feel are unethical and I find the business model of MLMS to be very unethical, it's the same reason I didn't buy as that is an MLM too. This is before expenses too. Here's my reference: https://www.talented ladiesclub.co m/articles/how-much-money-can-you-really- make-working-for-mIm-arbonne/ it: https://youtu.be/2Hofs Pu34bc This is an issue with individual people, not people like you, but the companies know this happens and say nothing as it usually helps to juice plus capsules Here's another interesting video: This is how MLMS target women definitely do in that sense. Also the. Love you xx B An email my mum sent me after I called Arbonne a pyramid scheme...

An email my mum sent me after I called Arbonne a pyramid scheme...

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No scam just advertised: Conversauon Starter 1 Turn o' ye hourglass You say it's a scam, pyramid scheme, and that you don't really make a lot of money working from home All I have to say is JOKES on you!!!!! I just started my journey and i am amazing by it. I love that I get spend time with daughter. you can see we are living the dream. I'm sorry you want to sit back and keep thinking it's not worth it because honestly IT SO IS! you could lose weight and not fail how much would you like to loss? ..tharr be more) Peer into the depths 1 42 Scrawlin's Arr! Yer thoughts Why you ask? you going to sell me something? eD 5 Arrr! Return fire 59shots lol I know that what most ppl are on here ask. Are interested in losing weight is the question Arrr! Return fire 57shots Why would you care if im intrested in lossing welght? Arrr! Return fire 56shots just not losing weight. Help get a healthier life in other ways Arrr! Return fire 53shots The answer is yes, she's going to sell you something Arrr! Return fire 47shots just wanted her to say it. I know Arrr! Return fire 46shots if all not interested in drink some coffee to lose then weight then that on u. I am loving it Arrr! Return fire 44shots If I say 30 are you going to pm about some pill? 3 Arrr! Return fire 58shots no do u like drink coffee Arrr! Return fire 58shots yes Arrr! Return fire 57shots pm u more info only if u are interested 1 Arrr! Return fire 56shots keto coffee Arrr! Return fire 40shots yes an other I pm u Arrr! Return fire 25shots Scrawl a response can lose weight! And I have been! Dieting and exercising OMG and its FREE Arrr! Return fire 58shots yes that is true but some of us need little help. Y not add to coffee in morning 1 Arrr! Return fire 56shots healthy food and excercise work just fine 2 Arrr! Return fire 54shots yes very true but if u like coffee that help ur bodies in more then one way y not Arrr! Return fire 53shots Arrr! Return fire 54shots l know most everyone going to look at this as a joke I felt same way til I start best thing ever Arrr! Return fire 51shots What hurbalife? Yeah its a scam Arrr! Return fire 43shots no scam just advertised Arrr! Return fire 25shots Looks like a pyramid scheme to me Arrr! Return fire 43shots no advertised Arrr! Return fire 24shots Will the fact that you wont tell people and are trying to lure them in without telling them way is a red flag. 1 Arrr! Return fire 42shots am doing anything but give fact. Sry u all cant handle tha Arrr! Return fire 41shots 1. some make money off ot but very few, but thats how the scam works. It convince you that you cam make money but really you are just making it for someone els. 2. The product is the hundreds of others you can find out there and over priced. Maybe you should just try to be upfront if you want people on board, because the way you went about it was shady AF. anything better 2 Arrr! Return fire 34shots Amended Eam sell I am advertised that all Arrr! Return fire 29shots I've tried this and it's really good even for a die hard skeptic. Don't give her so much static. It's a sales pitch so either ck it out or go away with ur negativity. She's trying to help people and make a bit of money. Not a pyramid just a good mlm 1 Arrr! Return fire 22shots Flf yes then send the info" I think that's supposed to be part of your script instructions, not meant to be actually included Yo ho ho! Return fire 13shots Amended believe what u want, That u want know more I will tell otherwise have a good holiday Arrr! Return fire 10shots no it not it ask if ur interested Isent more into it not then it is Arrr! Return fire 7shots think you need to re-read your manual. Arrr! Return fire 4shots Calorie. Fucking. Deficit See also reddit.com/r/antiM LM CUTE REDDIT.COM Stop MLM schemes from draining your friends dry. r/anti M LM Hayy Arrr! Return fire Away with ye, tiny portrait! 12shots love that sub. 1 Arrr! Return fire 11shots won't tattle ifI see screenshots, lol Arrr! Return fire 11shots you can have the karma on this one Arrr! Return fire 9shots Iwon't trust my money to some one who won't even take the time to make sure her sentences are grammatically simpatico. If you can't handle the small things, how do we trust you for an income? Arrr! Return fire 10shots Every single MLM scheme has said that they are different. Tell me if I don't have to buy anything upfront and if you make no money off of me. Otherwise youre part of the same shady scheme that MLM's love to put out. The loss rate for an MLM is 99 per cent as in, 99/100 of you will lose money. Stop falling for these and find an actual career, not all stay at home careers are as stupid as this MLM schemes. You will not make money. Also you have to have a certain level of dedication and intelligence, which most people who sign up for MLMs are people they attra ct. tbecause of the ature O1 Warms me cockles Return fire 7shots Amended am sry that you don't like my job but my job pay my bill an time well spend with family. If u like more info plz pm Arrr! Return fire 5shots nope, just letting you know that all of the money you will earn, if ever, will be front loaded so that it makes it seem you'll make a lot of projected income, and any loss will be placed upon you. I don't care if you lose money but you seem like you have a nice family. Don't put them through this. It's not that I don't like your job, I think the people who start these schemes pray upon people like you who can't seem to project 2+ years out. MLMS will never be profitable for 99 per cent. In fact the DoL put out warnings against putting your own money into MLMS as they consistently have failed and NOT ONE OF THESE BUSINESS HAVE LASTED BEYOND 5 YEARS Arrr! Return fire 38shots also, don't let an ESL person school you so easily on something rectifiable, such as grammar. Customers will more likely buy into your product if you don't sound illiterate while trying to sell them a product. Arrr! Return fire 36shots also, don't let an ESL person school you so easily on something rectifiable, such as grammar. Customers will more likely buy into your product if you don't sound illiterate while trying to sell them a product. Arrr! Return fire 1shots that ur opinion. I was the same way, before I found what I am doing now. I am agree u most company an most of these are about that, But I found my love in marketing an advertising Arrr! Return fire 1 shot o'rum ago not opinion but okay. I really want you to prove me wrong for the sake of your family and I had to try to be mean to do it. I want every small business owner to succeed. I want every American to have financial freedom. It just hurts me when some one else falls for this stupid marketing crap. Because they will waste years and money trying to do this. And they won't report their failures to BBB because they're afraid they'll be blamed. But what ever. Also, it might nice if you used your own products and told me how they're working, far as I can tell, you're not and the products not so. Oh well Arrr! Return fire 9shots as I said before if u are interested I pmu on what I am advertising. I was in same spot a yr ago see all these post never thought I would be one. But I believe in what I am advertising. An it work. So if u like more info I be happy to pm Arrr! Return fire 1shots Okay let's see your personal before and after. 1 Arrr! Return fire 1shots Also, there's no such thing as a magical pill or magical drops that make you just drop weight Whatever happened to proper diet and exercise Arrr! Return fire 1 shot o'rum ago T have know people who do this , the only people have seen make any money are the ones, who approach people in public, pester there frinds, put post all over. When I was doing personal training, the owner tried to get us to sell it , because someone convinced him. This person approach him while he was pumped gas. Most people are not willing to piss of frinds and be pushy sells 24/7 in order to make some money if your lucky. 1 Arrr! Return fire 27shots Amended No offense but if you want people to take you more seriously you should work on your grammar. Your presentation needs improvement Examples- How much weight do you want to "lose," not "loss. You are "amazed" by your journey. There is no comma between scheme" and and." The word "I is always capitalized- no exceptions. The beginning of a sentence is always capitalized- no exceptions. When addressing someone it's you," not u. Complete your words. This post is not presented in a professional manner. Also it might help if you post a before and after photo of your personal weight loss journey to show people first hand examples of what the program has done for you. I hope this helpsd 03 Arrr! Return fire 12shots you're my best friend now 1 Arrr! Return fire 10shots Nothing says pyramid scheme like having to say "it's not a pyramid scheme!" 1 Arrr! Return fire 10shots reverse funnel Arrr! Return fire 9shots No scam just advertised
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I tried to let someone know the shadiness of their new MLM membership, was met with some sound logic and mental gymnastics: 3:29 This is the FTC report summary on MLMS (such as Argonne). Pages 1-3 and then page 5, apply to this. Here's an excerpt: "Arbonne Int'l (Referring to Abonne's network marketing system) -It's an incredibly effective system that cuts the cost paid to the -middle manl offering you a higher earning potential. [This statement is a blatant misrepresentation. Arbonne fails to disclose that network marketing, or MLM, is actually incredibly ineffective (at least unfair and deceptive), creating instead thousands of "middle men" - and that approximately 99% of all participants lose money.]" They've also been sued for being a pyramid scheme, however I don't think the case has been settled yet. Obviously, do what you want with this, but I just wanted to provide some information for you bc bc I don't want my friends being taken advantage of 12:43 PM I would really love to help you understand Arbonne a bit better because I've done in incredible amount of research in the company and I have people close to me actually finding insane success. I've invested no money to start working with this company, I haven't lost anything. Only gained. Pyramid schemes are literally illegal, this is by definition not a pyramid scheme. Arbonne has actually never been sued for being one. One lawsuit was in the 80s or 90s from a couple who signed up and did zero work, and sued because they thought they were entitled to success. They sued them over the compensation plan thinking it was just going to happen but the judge knew it made no sense and it was closed. But with any business, you're not going to receive compensation unless you work it. Arbonne is going on 40 years in the health and wellness industry and is the #1 global brand for healthy living inside and out. Poorly structured MLMs like Herbalife or lularoe give reputable companies like Arbonne a bad reputation. I would highly encourage you to go on YouTube and watch "Betting on Zero" - it exposes how Herbalife (a shady MLM) is total trash but is not the same as Arbonne at all If you have any other questions about Arbonne's business structure, please let me know! I've researched it extensively and have applied my own degree and business education into making a wise decision to work with them Arbonne has been sued for being one. In 2017. The FTC alone, in what I provided above, explains how shady they are. It's easy to find any information online about how sketchy it is Arbonne is just as bad as companies like Mary Kay. I don't want to pry, obviously do what you want. Okay there was a lawsuit filed and I do see that but by definition, a pyramid scheme is highly illegal and moves no products. It's all based on investments into an idea that never come to fruition, so there's just money floating around. MLM's can be extremely shady and there's been trash companies that give Arbonne a bad reputation. I'm offering to help educate you and give you resources to show it's different than the companies who are operating shady business structures but at the end of the day, you're totally entitled to your opinion about Arbonne. I'm just offering to clear up any myths and explain why I saw it as the great opportunity it is. And whether or not I work with them, the products are phenomenal and are worth using. Fact of the matter is I can make commission helping my loved ones live better with no loss of capital Any judge who is given the lawsuit trying to pin Arbonne as a pyramid scheme would immediately dismiss it because by definition, it doesn't fit the parameters of a pyramid scheme. The only thing against Arbonne is a bad reputation from shady companies trying to cut corners under the premise of network marketing. Again, I've utilized my business degree and experience in business and marketing to analyze the company of Arbonne and not only value the products, but recognize it for being the reputable business and great opportunity that it is. I would not spend my time of effort promoting a sha have turned them down in the past. business, and I'm not going to keep arguing but I completely, wholeheartedly disagree. With your assessment of the company. Good luck. I'm not trying to argue at all and appreciate your concern! I'm just actively trying to bust the myths about the company and expose how bad MLMS have give Arbonne a bad reputation that's not true. But if you want to learn more, I encourage you to utilize the resources I provided or I can send over some more. At the end of the day, pyramid schemes are by definition completely illegal and Arbonne does not fit the parameters of one. Go Pro is also another great read that will clear it up. 581 X The lact that there's multiple levels does not mean it's a pyramid scheme, which by definition is an illegal in, investment scam. Is yours corporate or retail job not a pr egal net an pyramid? From tons of ied wemployees up to a few 's managers up to the very top person? Will you ever reach with the very top of your d of a is corporation? You can be the no top person in your own e in business if you want to work it that way-that's all this is. If I You're building a small ork mi business and Arbonne is se your distributor for the products you sell. Send Message .. A 3:18 This is what my most recent marketing job looked like: The CEO and president of Coldwell Banker. The president of the Chicago region of our company overseeing the managers, head brokers, and specialists. Managers of the Chicago branches making sure the head brokers and marketing specialists had the tools and training needed to assist the agents. Head brokers in each office making sure the agents' needs were met and that we had the most up to date training on our systems. A team of marketing specialists in 10's of locations throughout Chicago and surrounding suburbs working with brokers and agents to market their business. This was Coldwell Banker one of the largest real estate companies in the world. Send Message 3:17 My first sales job out of college looked like this: CEO and heads of each department running the marketing, finances unety chain, and training to keep the company propelling forward. Their bosses making sure each of the locations were running properly and we had the tools needed to sell more product and make more money. Managers of our Chicago office working down the line to make sure our office was exceeding out of the 7 locations across the country. Managers of the teams taking credit for us hitting metrics and making them look like good leaders. A bunch of underpaid sales people pushing products, hitting metrics, making no commission, | and earning $14/hr full time in Chicago. Interesting....what shape does that make? This was a Nordstrom company that was reputable and popular. Just because there's multiple levels and pyramid-esque structure, does not make it illegal or immoral. Send Message 3:05 PM Fuckin yikes at this logic I'm sorry I was done before but seeing your stories defending MLMS is wild Dude if you don't agree with this business or won't utilize my resources to educate you, then I'm interested in continuing this conversation. You have a misconception of an MLM based on companies utilizing it the wrong way but I cannot educate or help you understand Arbonne if you don't want it. Thank you for your concern but I'm not engaging in this. It's hard to get people out of this stuff when they're already wrapped up in it, but MLMS are straight up unethical And to defend them is damaging in my opinion. Being in an MLM isn't the same as working in a marketing job. And the federal trade commission itself, in what I linked for you before, stated that 99% of people who participate lost money. I'm not sure how that's something to ignore Regardless of Arbonne's business structure (who was also in the FTC's report), to promote MLM in general the way you did in these comparisons is, like I said, just damaging Alright, Travis. All I'm going to say is it's slightly offensive to 1) not trust my judgement as an educated businesswoman who's worked in a wide array of business structures and industries or 2) acknowledge the resources and education in trying to provide to dissolve your misconception that have been formed from business utilizing the networking marketing structure in an incorrect way. I know artists who have built small businesses and scam their customers by taking their money and not fulfilling their orders. This doesn't make my small business as an artist also immoral, a scam, and invalid. It just means that someone utilized the business incorrectly but using and abusing someone utilized the business incorrectly but using and abusing their consumers. This can also be said for companies masquerading as network marketing companies but cutting corners to use and abuse their employees in order to make money Arbonne is not like the unethical MLM's you're referring to but if I cannot open a healthy dialogue with you and supply valid and information resources to you, then I am uninterested in engaging in this conversation. This has nothing to do with me "not trusting you as an educated businesswoman". I would have this same conversation with anyone. same conversation with anyone. Acknowledge the FTC report? I'm not going to stop working with a company I believe in or posting about it. So moving forward, you can either ignore my posts, unfollow me, or I can hide my stories from you so you don't have to be subjected to logic you don't agree with. Let me know what you'd like me to do because I'm trying to educate but if you're not open to it, I don't know what else I can provide. I have. And I have handfuls of resources to counteract it but you're not open to it To counteract the Federal Trade Commission. I'd really just prefer to end this discussion because it's not going to go anywhere. Agree to disagree. Lmao yeah have a good one dude. I tried to let someone know the shadiness of their new MLM membership, was met with some sound logic and mental gymnastics
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My favorite teacher in high school started selling Monat. I commented on her post a link about hair loss and scalp burns. She messaged me. (I kept in the positivity at the end so we all had a slightly more positive ending).: 10:37 SAT 6:15 PM Hello, friend. It seems like you have concerns about Monat. http://isthisanmlm.com/? utm source=share&utm_medium= ios app&utm name-iossmf Type in Monat Check whether a company is an MLM Scheme. isthisanmim.com MLM scheme? Yes Pyramid How did you arrive at that conclusion? The conclusion that MLM is a pyramid scheme or the conclusion that Monat is MLM? MLM scheme According to a report that studied the business models of 350 MLMS, published on the Federal Trade Commission's website, at least 99% of [8] [9] people who join MLM companies lose money. Nonetheless, MLMS function because downline participants are encouraged to hold onto the belief that they can achieve large returns, while the statistical improbability of this is de-emphasised. MLMS have been made illegal or otherwise strictly regulated in some jurisdictions as merely variation of the traditional pyramid scheme. http://en.wikipedia.org/wiki/Multi- level marketing?wprov=sfti1 Multi-level marketing Wikipedia en.wikipedia.org Is Mary Kay also a scheme? Yes So the free car that I earned through Mary Kay plus insurance was a scam? Scheme does not equal scam Good point It seems like you have a hard time trusting the marketing plan of MLMS I understand that you probably are proud because you've invested a lot of time, energy, and money into this and got your hopes up. Just trying to help. MLMS function more on a recruitment process than a selling process. The majority of them make more on recruitment. If you are able to recruit a lot of people, then you're more of a successful person at the company. But if you recruit someone who isn't good at recruiting, what happens to them? 99% of the time, they come out breaking evern or net loss. 99% of the time? 99.25%, to be exact, according to the Federal Trade Commission It's obviously very important to you to do your research and be as informed as possible. What makes you say that MLMS function more on recruiting? 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 wholesale purchases 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 MLM salespeople are, therefore, expected to sell products directly to end-user retail consumers by means of relationship referrals and word of mouth marketing, but most importantly they are incentivized to recruit others to join the company's distribution chain as fellow salespeople so that these can become down line distributors. (3] [6] [7] Many MLM companies do generate billions of dollars in annual revenue and hundreds of millions of dollars in annual profit. However, the profits of the MLM company are accrued at the detriment to the majority of the company's constituent workforce (the MLM participants). Only some of said profit is then significantly shared with individual participants at the top of the MLM distributorship pyramid. The earnings of those top fau narticinante ie amnhaeizad and chamninnad nt in the MLM with a false anticipation of earning margins which are in reality merely theoretical and statistically improbable. [12] 6:46 Companies that use the MLM business model have been a frequent subject of criticism and lawsuits. Legal claims against MLMS have included, among other things: their similarity to traditional illegal pyramid schemes price fixing of products or services, collusion and racketeering in backroom deals where secret compensation packages are created between the MLM company and a few individual participants, to the detriment of others high initial entry costs (for marketing kit and first products), emphasis on recruitment of others over actual sales (especially sales to non-participants) encouraging if not requiring members to purchase and use the company's products, exploitation of personal relationships as both sales and recruiting targets, than other types of businesses:58] "The vast majority of MLMS are recruiting MLMS, in which participants must recruit aggressively to profit. Based on available data from the companies themselves, the loss rate for recruiting MLMS is approximately 99.9%; i.e., 99.9% of participants lose money after subtracting all expenses, [58) including purchases from the company." In part, this is because encouraging recruits to further "recruit people to compete with [them]"4 leads to "market saturation." [22] It has also been claimed " |(b)y its very nature, MLM is completely devoid of any scientific foundations." 59] So a person can make money simply by selling the product and not recruiting? Which company's compensation plan have you researched individually? 99.25% of the time, they cannot. can't speak for the remaining.75% However, MLM products are also notorious for being terrible and cheap. Including Monat, which has several lawsuits against them for hair loss and scalp burns. What is the latest news on those lawsuits? Notorious for being terrible? You can sit proud ly behind your screen and adamantly believe that what you are doing is right or you can do the research on MLMS. I would be happy to support you with many resources on them. You seem to think I haven't done my research. Obviously not well enough if the Wikipedia page on MLMS and it's information is foreign to you. I'm not going to hold your hand and walk you to the conclusion. I'm not going to sit here and read your automated response customer-service- sounding and patronizing responses. I gave you answers to your questions and several sources for your aid. I was just trying to help you but guess no one can say I didn't try. Pride really gets in the way of some of the best people. I'm sorry if I offended you. And I'm sorry if someone you know got burned Yes, there are terrible experiences out there. I've had nothing but good experiences and I made huge differences in women's lives. Both when I sold Mary Kay and now, I've had the opportunity to connect in such positive ways with so many people I'm sorry this interaction between you and me is not a positive one. I still hold you dear in my heart You know that you are one of my favorite people on earth. I'm sorry as well, and I'm sure it feels amazing to feel like you are helping people. But the fear of ever harming someone over something as trivial as a MLM scheme to bring in extra money is not something I would ever want you, that client, or anybody to ever feel. I want things to be great for you. I want you to have extra spending money or more wiggle room. But I'm scared that you will end up losing your money and start out worse than before. Or have that happen to your client. I will always respect your choices and what you choose to do with Monat, specifically, as I wou ld with anyone. But all I meant by this interaction was to read about MLMS and how they have negatively affected millions of people. I appreciate your care. I'll see you around and I'll have a big fat hug for you. 1 Аa My favorite teacher in high school started selling Monat. I commented on her post a link about hair loss and scalp burns. She messaged me. (I kept in the positivity at the end so we all had a slightly more positive ending).

My favorite teacher in high school started selling Monat. I commented on her post a link about hair loss and scalp burns. She messaged me...

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spoonie-living: [Image: a Twitter thread by adel (@RottenAdel) about how paying up front for a procedure before your insurance processes a medical claim in the US can cause you to lose money overall.]This is pretty wild, but, well, so is the insurance racket here in the states. Have a quick read and you may save yourself a ton of money! Check our Medical Bills tag and Insurance tag for more useful info like this. : adel Follow @RottenAdel Update! A couple months back I was seething about my medical team trying to collect an obscene amount of money 2 days before I was to have surgery and the hoops I had to jump through to get around it. Today I received a letter justifying this 8:59 AM -22 Jun 2019 adel @RottenAdel Jun 22 Basically the surgery to remove the masses inside my uterus came to 1319USD. The hospital demanded I pay my max out of pocket which was around 1000USD. I was informed Friday afternoon. My surgery was Wednesday morning. I refused because my insurance should have covered it fully 1 adel @RottenAdel Jun 22 They're allowed to do this even if it's a medically necessary surgery as a precaution and "reimburse" you if it comes to less. This is a lengthy process as you can imagine. Got the final bill today and the total I owe is 106.60USD. A fraction of what they told me I needed to pay 1 adel @RottenAdel Jun 22 If I had allowed myself to be bullied into paying up front before my insurance processed the claim, I'd still be fighting for that money back. It's possible they wouldn't refund it at all, taking it as a non-insurance billed procedure. It's bullshit but legal in America. 4 adel @RottenAdel Jun 22 TL;DR do not pay for medical services until you have an exact insurance adjusted amount you owe. If they demand payment up front for necessary surgery, demand the procedure take place in a hospital, not a clinic. Put your insurance you pay for to work and save $$$ adel @RottenAdel Jun 22 Addendum: I'm not saying don't pay your medical bills. I'm saying don't allow greedy practices to bully you into paying what you don't actually owe. You might not get that money back. spoonie-living: [Image: a Twitter thread by adel (@RottenAdel) about how paying up front for a procedure before your insurance processes a medical claim in the US can cause you to lose money overall.]This is pretty wild, but, well, so is the insurance racket here in the states. Have a quick read and you may save yourself a ton of money! Check our Medical Bills tag and Insurance tag for more useful info like this.
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Big brain assessment of the Japanese economy. Terminal levels of capitalist realism in this post.: charlie Cat 1 year ago The Japanese economy boomed in the 1980s (particularly from the mid 80s onwards). Life was very good (a sense of optimism everywhere!), people bought luxury goods like no tomorrow and in the West, many people started learning Japanese and taking Japanese business classes (learning how to conduct business in a more Japanese way etc) as many thought that the Japanese economy was set to take over the world (and that all future business transactions worth their salt, would happen in the language of Japanese). People both hailed and feared the economic giant Japan had become (in only 30 or so years since its dim post-war days)!! Then the bubble economy began to collapse in January 1990 as stock prices crashed (and continued declining through the year)..By 1991 the economy had gone bust and a huge recession had started.Between December 1989 and August 1992 the Nikkei average dropped from 38,915 to 14,309, producing a loss of $2 trillion. With the declining value of land factored in assets shrank by around $10 trillion. nT) The decade beyond 1991 is known as "The Lost Decade" Like in all economic bust periods, no one person or single factor was to blame for the burst of the bubble economy. But whoever or whatever was to blame, it was little consolation for the endless amount of ordinary souls involved whose livelihoods were destroyed or were severely negatively effected by the disaster. People struggled in all sorts of ways- many people lost their jobs (and struggled to find any new jobs at all) while those who managed to keep their jobs saw their salaries drop significantly Many people also found themselves being forced to continue paying for huge loans they had taken out on properties whose value plummeted after the crash (sometimes by 50% or more!) The amount of people committing suicide or filing for personal bankruptcy also went up considerably. The collapse of the real estate values was devastating to Japanese banks. Banks had traditionally relied on property as collateral for loans. But when real estate values plummeted, the banks were reluctant to call in the loans (because the value of the collateral was considerably less than it was before, causing the banks to lose money) So Japanese banks were saddled with billions of dollars in debts (and may have accumulated as much as $1 trillion in bad loans, or $5,000 for every Japanese). No one was sure how bad the situation really was...The Japanese government prevented Japanese banking system from being properly investigated and hid the full scale of the losses sustained by the banks (in a bid to prevent the crisis from being worse than it already was). And things weren't necessarily any better by the late 90s! In the late 1990s the introduction of performance-based salary systems produced higher unemployment rates and coincided with high suicide rates. Over the years the Japanese government tried many things to rejuvenate economy. For example over $10 trillion was pumped into projects between 1991 and 2001. The projects offered temporary relief but generated huge debt. But a lot of money was spent on projects (dubbed "Bridges to Nowhere") that Japan didn't really need Ultimately (long story short) none of the government stimulus measures worked very well and Japan ended up building the largest national debt of any industrialized nation in the world. In 2003, the public debt reached $6.4 trillion (130 percent of GNP, and half Japan's savings and triple the debt rate in 1992). By contrast the public debt in the United States was $3.4 trillion (or 35 percent of GNP). Most of the debt is held by the government. Even though there is enough money in the banks to cover the debt, most of it is in the form of personal savings (which the government can't touch). Japan also suffered from deflation. National wealth declined as property values continued to fall. Companies didn't invest, so they didn't expand. So people worried about the future (and saved their money rather spent it, figuring that things would be cheaper in the future). Prices declined more, people saved more because they figured prices will drop further. Companies lost money and laid off workers... There were worries about a deflationary spiral and a depression. Some wanted the Bank of Japan to create inflation, believing that would solve Japan's problems (but others saw deflation as a symptom of Japan's deeper problems). In more recent times... The New York Times once reported: "Deflation has left a deep imprint on the Japanese, breeding generational tensions and a culture of pessimism, fatalism and reduced expectations. While Japan remains in many ways a prosperous society, it faces an increasingly grim situation, particularly outside the relative economic vibrancy of Tokyo...A new frugality is apparent among a generation of young Japanese, who have known nothing but economic stagnation and deflation. They refuse to buy big-ticket items like cars or televisions, and fewer choose to study abroad in America," Even in 2017, Japan's economy is still troublesome (and ultimately, all the massive monetary and fiscal stimulus have so far over the years since the bust have failed to really spur faster and more sustained growth). Some of the current ideas to boost and strengthen the Japanese economy are; 1. Expand the work force, including by hiring and promoting more women, and by allowing older workers to keep jobs longer. 2. Counteract aging demographics via immigration. 3. Generate more revenue to lower government debt 4. Institute industrial and labor market changes aimed at more flexible work practices and eventually, wage gains But the main obstacles to these proposals are 1. Cultural workforce "traditions," rigid seniority systems at companies 2. Deep aversion to increased immigration (by both policymakers and the general population). 3. Pressure against tax increases from consumers and companies. 4. Resistance from various quarters, including industries, labor unions, and some in workforce, along with a lack of political will. ..And so the difficulties continue Show less 4.2K REPLY Big brain assessment of the Japanese economy. Terminal levels of capitalist realism in this post.

Big brain assessment of the Japanese economy. Terminal levels of capitalist realism in this post.

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I'm the light blue. I hope I saved at least 1 person today.: This is almost certainly an MLM. Beware. 1 hr Like Reply - 45m Jobs! what is that? FREE Like Reply 31m Replied to Mark Jarrett Is anyone looking for a way too make some extra income for the holidays or just in general?! Message me or comment and I'll be glad to help! MLM = Multi-Level Marketing, it's a Pyramid scheme that is disguised as a direct selling company where you are pushing an overpriced junky product They say you make most of your money off of the product, but in fact you make most of your money through complicated recruiting pay models where you have an upline that profits off of what you sell and then you have a downline that you profit off of what they sell. Message Seller 31 Comments MLM's may or may not disclose their income disclosure, but it is found that nearly 99% of people that participate in an MLM lose money after taking into account standard profit/loss accounting. The only ones that profit from MLM's are those at the top of the pyramid. June 22 Hi everyone! I'm super excited to announce that l am starting my own independent business with It Works Global! Our products are health and wellness related and everything we have is all natural! I am looking forward to Like Reply 8m being a part of this and would love to share some information with you!! Please or DM me to talk about what I do! text me at Replied to Mark Jarrett Lastly, MLM's tend to have virtually no transparency. They offer "jobs" usually hidden behind a "Message me for more info" post because if they were honest from the get go, nobody would ask for any info "side income" but Like Reply 6m AAAAAAND here it is. June 22 Hi everyonel m super excted to announce mat am starting my own independent business with t Works Globa Our products are heath and weliness related and everyhing we have is all natural I am looking fonaard to being a part of this and would love to share some intformaton with yout Please or DM me to tak about what I dot text me at- Like Reply 1m I'm the light blue. I hope I saved at least 1 person today.

I'm the light blue. I hope I saved at least 1 person today.

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After the post about reporting huns on Google maps, I went through and reviewed them all as well. This woman just loves her product so much that she doesn’t mind she’s being scammed: narmTui. AS tne Federai Trage Commission reports, "less than one percent of MLM participants make a profit. That's right: More than 99 percent of participants lose money instead of making it. Most of these companies target vulnerable women like stay-at- home moms and military wives who don't tend to be financially independent anyway. The 2011 report states that out of 350 MLMS analyzed, every single one was recruitment driven and top-weighted. Those at the top made the most profit "at the expense of a revolving door of recruits." 1 Response from the owner 3 days ago if you do not like the company or the product just move on and avoid making posts like this on people's business pages. If you have never dealt with me or my business you do not need to comment or review MY business. I was part of America's working class since the age of 15, I do not sell Avon to get rich, I do it simply because I love the product, that simple. If you would ever like a brochure please feel free to contact me, I would be more than happy to put one in your hand. Have a wonderful day! After the post about reporting huns on Google maps, I went through and reviewed them all as well. This woman just loves her product so much that she doesn’t mind she’s being scammed

After the post about reporting huns on Google maps, I went through and reviewed them all as well. This woman just loves her product so mu...

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MLM accountant on LinkedIn: 1 33% giffgaff 22:24 Active noW Accountant TODAY 10:18 pm Hi Megan, I hope you are well This may seem very random, but I do an online business with my wife, Farah. I think it could be of interest to you too. Are you open to looking at new opportunities? Regards Nick I'm not sure Hi, Nicholas No, thanks Write a message... + 28% giffgaff 22:39 youtube.com AA YouTube SIGN IN TAP TO UNMUTE NICOLA WILLS NATIONAL VICE PRESIDENT NICOLA WILLS 6 NICOLAWILLS.ARBONNE.COM Nicola Wills Discover Arbonne 35K views 277 Share Save 14 Report Nicola Wills OSUBSCRIBE 562 subscribers Autoplay Up next A privacy reminder from YouTube, a Google company X ALREADY AGREED REVIEW il giffgaff 1 25%O 22:52 30m ago Mobile 52 pm ANICK, I don't think this would be a good fit for me for a few reasons: 1) I don't like my chances when 99.6% of your UK 'employees' lose money each year I'm - good but I'm not 0.4 % good . 2) I like using my social media to connect with people, not forcing products on them. 3) In order to avoid number two, we would all have to admit it's actually a pyramid scheme and go straight to LinkedIn for direct recruitment in order to make any money, which is... illegal I think? Thanks for the 'opportunity' but it's not my thing. I am however, sorely disappointed that my profile makes me look stupid enough to fall for this. If you have any pointers with regards to that, I'd love to hear them. Kindest regards I sincerely hope you don't end up in massive debt (and/or can sleep at night if you're making money from scamming а down line) Megan Write a message... + 19%D al giffgaff 23:07 Active now 10:30 pm Hi Nick, what is the name of your business? I will look into it and let you know if it's something I would be interested in. Thanks, L 10:36 pm Hi Megan, I've included a short video below for you to watch which was done by one of my business partners, Nicola Wills. It gives an overview as to what the business is. Once you've watched it I'll be happy to answer any questions you have or I can provide you with more info if you'd like to see if this could be a good fit for you or not. http:://youtu.be/-72K 8XFS O Regards Nick Write a message... + . giffgaff O 1 23% 0 22:57 Mobile 30m ago thing. I am however, sorely disappointed that my profile makes me look stupid enough to fall for this. If you have any pointers with regards to that, I'd love to hear them. Kindest regards I sincerely hope you don't end up in massive debt (and/or can sleep at night if you're making money from scamming a down line) Megan 10:55 pm Hi Megan, I'm sorry you feel that way but I respect your opinion. However it is only an opinion and not factual as none of what you have written is actually true. I wish you all the best for the future. Regards Nick Thank you Thanks Write a message... + MLM accountant on LinkedIn

MLM accountant on LinkedIn

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