Category Archives for MLMs

Is The NeVetica Pet Business Opportunity Worth It?

The Nevetica pet business opportunity may seem like a lucrative dream job, but is it really as good as they say? Is it worth it to join NeVetica?

For dog lover like myself, I must say that the opportunity to build a business selling pet-health products, networking with other pet enthusiasts, and working on your own time sounds very luring.

BUT, it seems that every business opportunity is promoted as being the best in some way, so I never trust what I hear right from the start... and so I decided to do a little digging around to see how good this opportunity really is.

In this review I'll be going over what NeVetica is, the products, how the business opportunity works and the compensation plan, some downsides to it and more.

You're going to want to read this...



What Is NeVetica?

NeVetica, in a nutshell, is a company that sells pet products and has a MLM business opportunity attached to it. 

They are headquartered in Maryland, USA, and can be contacted by phone at (240) 258-7387, or by email at (the email is strange, I know... but this is how it's listed on the website).

As far as products go, they sell a variety of pet supplements and pet-care products, that probably aren't for the average pet owner, but rather for the extreme pet owner who is semi-obsessed with keeping their pet's health optimal. Some can be for both dogs and cats, but the main focus here is on dogs.

The company was created due to the lack of nutritional options there are for pets (their words) and state that "supplementation shouldn't be an option, it's a necessity", which I completely disagree with because it is totally dependent on whether or not nutrients are being obtained in optimal doses from the normal diet to begin with... but this is neither here nor there. The company sells supplements for pets and of course tells you that buying such supplements should be a necessity.

2016 was the year the company was founded, but I haven't been able to find any information on who the founders are behind everything. That said, the company is legitimate and the products seem to be high quality... although I wouldn't suggest jumping in on the business opportunity just yet.


Before we talk about the business opportunity, let's take a look at what you'll be selling if you decide to join...

Dental Chews - $27.99

NeVetica Dental Chews


The dental chews are mainly for keeping tartar away, but can also help freshen your dog's breath. One of the key ingredients included here is spirulina, which is included in the crunchy outer layer of the chews and helps break down hard tartar buildup.

Calming Support - $34.99

NeVetica Calming Support


Pets get anxiety too, and no loving pet-owner wants them to suffer from this. The Calming Support product features a mix of green tea extract and lemon balm powder in soft-chew form to help combat this problem, both of which have been shown to be effective for such problems.

Water Additive Mouthwash - $24.99-$29.99

NeVetica Water Additive Mouthwash


This product is a liquid additive that you can simply mix into your dog's (or cat's) water bowl. The main ingredient is peppermint oil, which helps support healthy gums, can help whiten teeth, freshens breath, and can even help soothe upset stomachs.

Digestive Support - $34.99

NeVetica Digestive Support


Digestive Support's main ingredients are aloe vera, rosemary extract, fiber, and probiotics... and the goal here is to promote healthy digestion and proper bowel movements. This product comes in the form of soft-chews.

Hip & Joint - $35.99-$45.99

NeVetica Hip & Joint


As pets age their joints can start to ache and this can lead to increased laziness, which can decrease overall health. Hip & Joint is NeVetica's joint-health product and comes in soft-chews for easy feeding. The main ingredient here is glucosamine, which is well known to support health joints, bones, and ligaments.

Multivitamin - $34.99

NeVetica Multi-Vitamin


With over 20 vitamins/minerals in each soft-chew, this multivitamin supplement is good for overall health. Brain support, heart health, liver function, etc... are all supported here.

Skin & Coat - $34.99



Formulated with Omega-3 and Omega-6 fatty acids, Skin & Coat soft-chews help support that nice sleek coat of fur that every dog owner wants, and that every dog looks and feels much better with. 

Paw Protector - $22.99

NeVetica Paw-Protector


The paws are often neglected and can become chapped, which leads to cracking. This can hurt, just like how cracked skin on us humans hurts, and Paw Protector is here to help fight against this. Cacao and beeswax help lock in the moisture and provide vitamins/minerals to help aid healing.

This product would be particularly good for dogs who live in areas with cold/dry winters.

Anti Itch Pet Spray - $24.99

NeVetica Anti-Itch Spray


This is a spray that contains essential oils (among other natural ingredients) that can help soothe itchy and irritated skin, as well as leave fur shiny and soft. It would also be good for helping to promote healing in irritated areas.

Waterless Shampoo - $29.99



Most dogs hate getting baths. They may like to run through dirty puddles, but baths are off-limits. With Waterless Shampoo cleaning your dog is made easy. In addition to cleaning, this product contains essential oils that is good for a healthy coat and can promote healing.

Wet-A-Way - $24.99



Wet-A-Way is a powder for absorbing liquid spills that are the result of your pet, which means that if one has a dog or cat that has a problem with urinating indoors, this may be a good purchase.

Product Bundles/Kits

In addition to the individual products available, there are also bundles that can be purchased. These are particularly good for those interested in the business opportunity because of their higher prices, which means higher commissions.

  • Oral Care System - $46.99-$51.99
    • Dental Chews & Water Additive Mouthwash
  • Hygiene Kit - $74.99
    • Anti-Itch Pet Spray, Paw Protector, and Waterless Shampoo
  • Mature Dog Bundle - $67.99-$77.99
    • Hip & Joint and Digestive Support

There is a good chance that the products are overpriced, but it's hard to say for sure because there isn't much information given on the quality of ingredients.

For example, many of their products include essential oils. These ingredients alone can vary greatly in quality, and because of this can vary greatly in price. 

I have no reason to doubt that NeVetica uses high quality ingredients, but even with high quality ingredients the prices are pretty high. This is common with MLMs. MLMs, NeVetica included, put a lot of effort into branding and so you have to realize that with the price you are paying for the brand too.

Can similar cheaper products be found? Absolutely.

Pet App

One more thing I want to talk about before going over the business opportunity in detail is the app they have, which they call a "one stop shop for your pet's needs".



NeVetica has a pet app that helps separate them from other similar companies. Inside this app people can:

  • shop for NeVetica products
  • track pet fitness goals
  • have access to lost pet alerts and a pet-owner social network
  • watch training videos
  • have access to all sorts of pet info

As someone who wants to participate in the business opportunity, this app can help. It shows people that this company is the real deal, and not just another pet-health company.

That said, I'm not sure how great this app at this point in time. The company has big dreams for it, but who knows how well it will catch on.

Business Opportunity

When it comes to the business opportunity, as you probably already know, it's promoted as being some magical opportunity.

They say that you can "achieve the lifestyle you want and the freedom to enjoy it"...



But they all say something along these lines and it's no secret that most people fail with MLMs.

What Is a MLM?

You probably already know this, but in case not, a MLM (multi-level marketing) business is one that relies on an independent sales force of distributors to do all the selling of products, and also provides incentive to recruit other distributors into the business.

Cost of Getting Started

Like most MLMs, starting out with NeVetica begins with buying a business pack to get going. 

  • NeVetica Business Builder Pack ($199) - With this pack you get training material, products, banners, and more.
  • NeVetica Product Pack ($475) - Apparently you have to purchase this product pack to be able to resell the product packs themselves (so I've heard). With this pack a bunch of products are included.
  • NeVetica Tech Pack ($24.99/mo) - The tech pack provides a replica NeVetica website that you can refer people to in order to sell products online. This can be purchased along with any of the other product packages, and in my opinion is pretty pricey (some MLMs provide replicated websites for free).

*Things are a bit confusing due to the lack of information provided by NeVetica, but it seems that you'll likely have to purchase one of the first two packs listed along with the tech pack... which means a minimum of $199 + $24.95/mo = $223.95 to get started.

Compensation Plan


There are 14 ranks total and, as you will see, the amount you can earn in the compensation plan depends greatly on your rank...

  1. Pet Consultant (this is where you start out)
  2. Senior Pet Consultant
  3. Area Pet Consultant
  4. Regional Pet Consultant
  5. Director
  6. Area Director
  7. Regional Director
  8. National Director
  9. Vice President
  10. President
  11. International President
  12. Diamond
  13. Blue Diamond
  14. Black Diamond

Climbing up the ranks at NeVetica is no different than just about every other MLM out there... it's all about recruitment, building a team and increasing the group sales volume.

9 Ways to Get Paid

#1 - Personal Sales Bonuses

The good ol' fashion personal sales bonus... this bonus can be up to 35% and is earned on the products you personally sell.

There isn't much information on the business opportunity in general, or detailed info on the comp plan, but I'd assume that you can make these commissions by either:

  • referring people to purchase on your personal NeVetica website or
  • purchasing products yourself at a discount price and reselling them at a markup

This is how it usually works.

#2 - First Order Bonus

And here's where the MLM part of it starts to come into play (the part where you earn money from distributors you recruited in and others beneath you).

With the First Order Bonus you will be able to earn up to 15% commissions from the sales that people make in your downline down to 3 levels deep.

  • The people you directly recruit in are your level 1; the people they recruit in are your level 2, and so on.

Additionally, if you make it to the rank of Regional Director, you will be able to earn an extra 5% bonus here going down additional levels until there is another Regional Director. So, for example, it could look like this if you make it to the Regional Director rank...


[Source: NeVetica comp plan video]

In the diagram above you can see that there is another Regional Director, and you would not earn this bonus from the downline below this person.

#3 - Unilevel Bonus

The unilevel bonus pays up to 10% of the sales volume of your downline going down as many as 6 levels.


[Source: NeVetica comp plan video]

*Note: There can be any number of people on any level. The image from NeVetica shown above leads one to believe that there are 3 positions below each person, but in reality it could look more like this:

unilevel comp plan

#4 - Turbo Infinity Bonus

This bonus pays a percent on the sales volume down infinite levels. But, of course you have to make it to the rank of President to unlock this.

#5 - Income Match Bonus

This bonus is a matching bonus of up to 25% of what those in your downline earn, going down as many as 6 generations.

Additionally, if you make it to the rank of International President or above you can earn up to 8% on top of this.

#6 - Leadership Advancement

This is a one-time bonus paid out when you achieve the rank of National Director and higher. It ranges anywhere from $1k to $100k and is paid out for each rank as follows...

  • $1k for achieving National Director
  • $2k for achieving Vice President
  • $4k for achieving President
  • $7.5k for achieving International President
  • $15k for achieving Diamond
  • $40k for achieving Blue Diamond
  • $100k for achieving Black Diamond

#7 - Global Pool Bonus

This is a 1% bonus that is distributed among leaders on a quarterly basis. It is a 1% pool of all the qualified commissions generated by everyone in the entire company.

#8 - Sponsored Incentive Trips

Every year NeVetica hosts an exotic trip for the leaders in the company... as it seems a lot of MLMs do.

#9 - Executive Leadership Council

This is an all-inclusive trip for leaders of the company along with the president of it all.

And that's it! Want a vague video description of it all? You can watch NeVetica's official video of the comp plan here...


As I briefly mentioned above, MLMs are notorious for having extremely high failure rates. So much so, in fact, that a study by the Consumer Awareness Institute found that 99% of people who get involved lose money.

Yes, they are often promoted as the greatest opportunities to ever bless this earth, but the reality is a bit different.

However, on the upside, NeVetica is a new and still small company in a market that I think has room to expand... and this is good.

Imagine being able to get into a business like Herbalife early on before the market was saturated just about everywhere. NeVetica is still a very small-scale company, and this means the market for recruiting in new distributors is much bigger.

Additionally, I think there is a fair amount of room for pet MLM companies like this to grow.

Scam/Pyramid Scheme Concerns

Is NeVetica a Scam? Is NeVetica a pyramid scheme? 

Both of these questions are important to answer... and the answers are No and No.

NeVetica is a legitimate business that sells legitimate products, which as far as I can tell are high quality and work well, although there are a lack of reviews available online because of how small this company still is.

And Yes, the business model definitely has a pyramid structure to it... but all MLMs do.

The pyramid structure is the reason most people fail. This is due to money being sucked from those at the bottom and flowing to those at the top, which results in a major uneven distribution of income.

But, it's not a pyramid scheme. The difference, as explained in my post here, is that NeVetica sells real products to real customers and brings in revenue because of this, whereas pyramid schemes just earn money from the constant recruitment of new investors and/or forcing them to purchase products when joining.

Pros v Cons

  • Good and unique products
  • Niche (pet health) is continuing to grow 
  • Not many other MLMs out there like this
  • Have a nifty little app to monitor pet health, help find products and more
  • Business opportunity available
  • Products are a bit pricey
  • It's a MLM, so it will be more difficult to make money with than it may seem

Conclusion - Worth Joining?

One thing is for certain, if you are thinking about joining just for the money then you shouldn't do it! MLMs, as mentioned, are difficult to make good money with as it is... and if you don't have passion for dogs and their health then this will just make it all the more difficult and not very enjoyable.

It would be nice if there was an earnings disclosure provided by NeVetica that showed the average earnings of distributors, but unfortunately we are left in the dark here... but I'd assume it's pretty low on average based on how MLMs operate (majority of people at the bottom of pyramid having money sucked away from them).

So, is it worth joining? This is a hard question for me to answer because I like what the company stands for and I like pets, but I'm really not a fan of MLMs. The decision is ultimately up to you. Just don't join unless you are truly passionate about pets and know that it will be more difficult than it seems. In order to make good money with MLMs you have to recruit, recruit, recruit, and take advantage of the pyramid commission structure.

I hope you enjoyed this review and found it helpful. Don't forget to share it to spread the word and to help out my website here 🙂

Also, leave any comments/questions below and I'll get back to you soon.

Side note: You might be interested in taking a look at how I make money online... since you are looking for a home-based business opportunity and all. This is something I've been doing since 2015.

Review of Sticky Likes – Scam Opportunity?

I've been getting a lot of spam about Sticky Likes for some time now, so I finally decided to check it out. The emails I was getting flooded with were coming from a network marketer that usually pushes crap products/programs, so I was pretty skeptical from the start.

Is Sticky Likes a scam? This was the question I set out to answer, and right from the start things weren't looking too good.

Of course everyone promoting it is talking about how it is going to revolutionize building a business, how it's the next greatest system, etc. etc.... but I've heard claims like this far to much in the past to simply believe them right away.

In this review I'll be going over what Sticky Likes is, how it works, the compensation plan that everyone is claiming is the greatest, and some important reasons you might NOT want to join this place.

It does have some value, but it's not as great as many people are making it out to be, in my opinion of course.

What Is Sticky Likes?

Sticky Likes
  • Name: Sticky Likes
  • Website:
  • Type: Social media engagement program & business opportunity
  • Cost to Join: Free - $268/mo + $99 distributor fee (if you decide to go "all in")


Sticky Likes is a program developed to easily increase exposure on social media via likes, follows, shares, etc. It can be used by businesses to increase social reach or by individuals who simply want to increase their popularity or who are trying to start an online business.

Why is increasing social media presence important? Well, according to Yahoo! Small Business:

  • Facebook is the most visited website in the world
  • Facebook shares have the greatest influence on Google search rankings
  • 53% of people recommend companies and products via Twitter
  • 800 million active users on YouTube spend 15 minutes/day on average watching videos
  • and lots more...

Pretty amazing... and Sticky Likes claims that you can multiply your likes with this platform by a magnitude of 10x, which I'm not sure is true... but it very well could be.

Facebook, Instagram, Twitter, and YouTube are the platforms this program works with... and it delivers "real" engagement from real people.

*More on why I have quotation marks around real in a bit.

How It Works

The idea is that you connect your social media account to the program and get real engagement from real people.

How does this happen? It's all real people about completing tasks...

Completing Daily Tasks

When you join you will be prompted to complete daily tasks, which include liking posts, following profiles/pages, etc. Completing daily tasks is the way that Sticky Likes encourages real engagement from real people.

The incentive to complete these daily tasks is... well... you have to in order to receive engagement on your profile/page on social media.

Sticky Likes is a "give and take" system, where you engage with other social media accounts and receive engagement on your account in return.

For example: You like someone's post on Facebook and in return one of your posts gets liked by someone.

HOWEVER, if you don't feel like spending the time completing the daily tasks you can pay not to.

There are different packages available, Standard Packages that require you to perform daily tasks and Premium Packages that don't require any daily tasks.

Engagement Packages

Option 1 - Standard Packages
  • Sticky500 Standard
    • $29/mo
    • 1 social network
    • 500 likes/mo
    • 5 daily tasks
  • Sticky1000 Standard
    • $59/mo
    • 1 social network
    • 1000 likes/mo
    • 5 daily tasks
  • Sticky1500 Standard
    • $89/mo
    • 1 social network
    • 1500 likes/mo
    • 5 daily tasks
  • Sticky3000 Standard
    • $178/mo
    • 1 social network
    • 3000 likes/mo
    • 5 daily tasks
Option 2 - Premium Packages
  • Sticky500 Premium
    • $44/mo
    • 1 social network
    • 500 likes/mo
  • Sticky1000 Premium
    • $89/mo
    • 1 social network
    • 1000 likes/mo
  • Sticky1500 Premium
    • $104/mo
    • 1 social network
    • 1500 likes/mo
  • Sticky3000 Premium
    • $268/mo
    • 1 social network
    • 3000 likes/mo

So, as you can see, you can earn anywhere from 500-3000 likes per month depending on what package you sign up for.

Standard Packages require that you complete your daily tasks in order to receive likes, whereas with Premium Packages you simply pay more and aren't required to do the daily tasks.

But what if everyone purchases Premium Packages?

You may be wondering how this can possibly work out if you can simply pay more to not have the obligation to complete tasks. If everyone paid for Premium Packages then there would be no one completing tasks, which means no one would be engaging on social media and the whole system would go bust.

However, they have this concern covered. When someone purchase a Premium Package they are essentially paying someone else to do the tasks, as "Extra Tasks", which creates increased incentive for people to do them. This way there will always be people doing the tasks because it is financially rewarding.

The Purpose of All This

Most people will be using this platform with the end-goal of making money. 

Some people will be trying to increase their presence on social media for a business page or whatnot, while others will simply be trying to make money by referring others to Sticky Likes, which brings me to the compensation plan.

The Compensation Plan

Sticky Likes' compensation plan  is MLM-style... you can make money by referring others to join (whether they be customers or affiliates)... and this seems to be exactly why so many people are promoting it.


  • You must purchase a Distributor License for $99
  • You must complete the daily tasks if you have one of the Standard Packages, or pay for the Premium Packages to have someone else do them for you


Like every MLM compensation plan, there are various ranks, and the amount you can earn strongly depends on your rank.

In a nutshell, how you move up the ranks is by recruiting more people into the business and growing your downline.

The ranks & requirements are as follows:

  • Influencer
    • Must be a retail customer or have referred 1 retail customer, and you must have purchased a Distributor License
    • 10 PV minimum per month (purchasing any of the packages listed above will satisfy this requirement)
  • Gold
    • Must have referred at least 2 retail customers
    • 100 PV minimum per month
  • Platinum
    • Must have referred at least 3 retail customers
    • 150 PV minimum per month
    • 150 GV minimum
  • 1 Star
    • Must have referred at least 4 retail customers
    • 200 PV minimum per month
    • 5,000 GV minimum (no more than 60% coming from any one leg)
  • 2 Star
    • Must have referred at least 5 retail customers
    • 250 PV minimum per month
    • 10,000 GV minimum (no more than 60% coming from any one leg)
  • 3 Star
    • Must have referred at least 6 retail customers
    • 300 PV minimum per month
    • 50,000 GV minimum (no more than 60% coming from any one leg)
  • Elite
    • Must have referred at least 10 retail customers
    • 500 PV minimum per month
    • 100,000 GV minimum (no more than 60% coming from any one leg)
  • Ambassador
    • Must have referred at least 20 retail customers
    • 1000 PV minimum per month
    • 200,000 GV minimum (no more than 60% coming from any one leg)

Ways to Earn

There are 4 ways to do so...

#1 - Residual Plan

The main part of the comp plan is the Residual Plan, which is a uni-level structure that you can earn up to 7 levels on.

How it works is like this: You recruit people in personally and these people are your level 1. When they recruit people in the new people become your level 2. And when those level 2 people recruit others in they become your level 3... and so on. This can happen at an infinite width.

unilevel comp plan

The diagram above only shows 3 levels deep, but imagine that going down to 7.

The amount you earn from the people beneath you depends on your rank. As an Influencer (the rank you start off as) you will start off only earning 10% commissions from level 1 (your direct recruits), but you can see it increases in percentage and depth as you climb the ranks...



#2 - Extra Tasks Bonus

This is a bonus where you are paid $2 for doing extra tasks. Each time you complete a set of 20 you are paid.

The amounts available will vary depending on demand... and they are available on a first-come, first-serve basis.

#3 - Matching Bonus

The matching bonus pays distributors a percentage match of what those recruited in beneath them earn.​​​​

You will earn:

  • 5% commissions on the first generation if you have one personally referred Platinum member
  • 5% commissions on the first & second generation if you have one personally referred 1-Star member
  • 5% commissions on the first, second, & third generation if you have one personally referred 2-Star member
  • and 5% commissions on the first, second, third, & fourth generation if you have one personally referred 3-Star member


*From what I can tell, "generations" are the exact same as "levels" in this comp plan.

#4 - Leadership Bonus

Lastly we have the Leadership Bonus, which pays you a nice commission if you make it to the ranks of 2-Star and above.

  • 2-Star ranked members earn 1% commissions on their entire downline, even past level 7
  • 3-Star ranked members earn 2% commissions
  • Elite ranked members earn 3% commissions
  • Ambassador ranked members earn 4% commissions

What I Like/Don't Like

What I Like

I will say that the program seems very well organized and put together. The people behind it (whom I don't know the names of) definitely know what they are doing.

I'm also guessing that a program like this could spread rapidly. My guess is that a lot of people will simply be buying in to make money with the compensation plan, and will be using their increased social engagement and social media accounts to recruit others in. In this way it is kind of like a self-serving system.

What I Don't Like

#1 - The Likes are Still Fake

There is no doubt that a program like this is better than paying for some fake likes coming from bot profiles that aren't even real people... but in my opinion the likes & engagement you get from Stick Likes is still fake, in a way.

Yes, you will get engagement from real people... but only because they are trying to make money or qualify to get engagement on their own social media accounts. It's not like the engagement you get is actually coming from people who like your social media content. It is forced.

Sure, I could see how even this form of engagement could lead to more "real" engagement... but it certainly isn't as good as it may seem to be.

#2 - The Comp Plan Has 1 Fatal Flaw

If you've been on my website before then you might know that I'm definitely NOT a fan of MLMs.

MLM failure rates are extremely high, as high as 99% according to some studies, and this is because of their pyramid structure, which always leads to a small percentage of people making a lot of money while the overwhelming majority make very little.

#3 - People Joining Just to Promote

There is no doubt that a lot of members here only joined to promote the system and make money.

It's nice that this is, as I said, a self-serving system in a way... but when people join just to promote and make money it seems a bit scammy.

#4 - Facebook, Twitter, etc. Don't Like This Stuff

Facebook and all the other social networks don't like this kind of fake behavior. It's basically like cheating the system, and if they find a way to stop it they will. 

This is definitely a concern of mine.

Is Sticky Likes a Scam?

Sticky Likes is not a scam. There is a real service here that has real value. Sure, a lot of people are going to be joining just to use the system to recruit people in and make money, but there will be some that join to help drive traffic to their businesses and whatnot.

Pros v Cons

  • Very simple
  • Engagement from real people
  •  Works with multiple social media networks
  • Can help increase social awareness, and thus increase traffic
  • Engagement is forced, not genuine
  • Lots of people joining just to promote the system (a bit scammy in my opinion)
  • MLM comp plan more difficult to make money with than it seems

Conclusion - Worth Joining?

Although there are definitely some issues I have with this kind of program, mainly that I don't think this type of social media engagement is nearly as good as real/natural engagement, I secretly am a bit of a fan of it all. A while back I joined a similar give & take type program to increase likes for a business Facebook page of mine and I'll admit that Stick Likes is definitely a better choice than that was.

But anyways, the program isn't for everyone. I hope this review has provided some valuable insight into how it all works and who it's for. If so, please share this post and help spread the world... it will also help out my little struggling website here.

Take care and be sure to leave any comments/questions below. I'll get back to you soon 🙂

PS: Before you leave it may be worthwhile to check out how I've been making a living online... which is something you might be interested in.

World Wide Dream Builders – Scam to Avoid or Legit Opportunity? [REVIEWED]

World Wide Dream Builders is presented as an amazing business opportunity, but is it really as good as they say? After all, the people who are recruiting others in are making money doing so.

Is World Wide Dream Builders a scam? Is it worth it?

I recently stumbled across this business opportunity and I'm guessing the same has happened to you... or maybe you were approached by a recruiter who was trying to get you to join.

After finding a mix of very negative and some positive reviews about WWDB, I decided to dig a little deeper and find out more.

One thing about this place is that it was difficult to get good information about their operations. They aren't very transparent, which is a major red-flag right from the start, and it took me quite a bit of digging around (research) to put this review together... so I hope you enjoy.

What Is World Wide Dream Builders?

World Wide Dream Builders
  • Name: World Wide Dream Builders (WWDB)
  • Company: World Wide Group (WWG)
  • Website:
  • Founder: Ron & Georgia Lee Puryear
  • What They Provide: Training for business opportunity
  • Cost to Join: Unclear, but a lot... as you will see

In a nutshell, Word Wide Group (WWG), which is the company behind World Wide Dream Builders (WWDB), is a business that was created to help train people to become successful Independent Business Owners (IBOs) for Amway, and as you can see they are an "approved provider of Amway training and education"...


Amway is a MLM (multi-level marketing) company that sells health, beauty, and home-care products. They don't sell products in stores, but instead rely on an independent sales force of distributors to do the selling, which is a business opportunity that anyone can join -- and it is this that WWDB trains people for.

Think of it like this: WWBD is an independent layer of educational material & training that is added onto the Amway business opportunity... and they also are very pushy on motivational material, which you could have probably guessed based on their fairy-tale, Disney-sounding name of World Wide Dream Builders.

Brief History of WWG & WWBD:

WWG and WWBD were originally founded by Ron & Georgia Lee Puryear back in the late 70's as a small support group for Amway IBOs, but has since expanded a great deal to become of the "the largest and well structured training and motivational systems in all of Amway".

Ron & Georgia Lee Puryear

Ron & Georgia Lee Puryear have made it to the Founders Crown rank in the Amway business, which very high... high enough to become members of the North American Founders Council, an organization composed of Amway IBOs with the largest businesses who provide feedback to Amway.

According to AmwayWiki, they achieved Emerald and Diamond rank in 1976, Triple Diamond in 1995, Founders Triple Diamond in 2002, Crown in 2003, and Founders Crown in 2004.

But, in 2016 Ron passed away, which led to different management within WWG.


If you go to the WWDB website and click on the Leadership page you will be presented with 34 people on the team, all of whom are high ranking Amway IBOs at the Diamond level... and most of whom have been at this for 30+ years.

According to Chuck Holmes at (was part of WWDB for a while), WWDB might be owned by Diamond members within Ron's downline, in which the top distributors take part at the WWDB Board of Directors and make decisions for the company.

But this area is a bit shady and unknown.

Anyhow... below you can see a glimpse of some of the people that are on the management team shown on the WWDB website...


Notice anything unusual?

Yes, that's right... they are ALL couples!

WWDB loves couples and absolutely hates it if one person joins and the other is against it. We will talk more about this in a bit.

But anyways... back to the management. They show us 32 people on the website but these are only some of the management team... and the highest ranking of course.

Services Offered

Okay, so WWG is the company here and WWDB is one of the services that they offer. 

In total, WWG offers 9 different services to help Amway IBOs achieve success. These include...

1. Word Wide Dream Builders

This service coordinates all the events/functions, and is the main service that the World Wide Group offers... which is why people often refer to World Wide Group simply as World Wide Dream Builders.

Events that are organized here include seminars, rallies, "attitude meetings", second look meetings, product & sales experiences and more.

2. Diamond Publications

Their Diamond Publications area manages all the support materials, which includes promotional materials to help IBOs with their Amway businesses, training material, and so on.

3. World Wide Productions

The productions team creates all the video presentations that you can see at WWG events as well as training videos on various aspects of the business, such as marketing products for example.

4. World Wide Dreambuilders International

If you live outside of North America then this is who will be providing you with support. They provide similar services and support, but in North America where WWG is the largest you will receive the best.

5. Executive Planners Northwest

This is an accounting firm affiliated with WWG. They provide bookkeeping, accounting and other services for qualified IBOs who are part of WWG.

Now what rank do you have to be for WWG to provide this service? This I'm not sure of.

6. World Wide Design Group

This is their design group that makes creates all the fancy/nice marketing materials for IBOs.

7. Technical Services

Technical services deals with hosting website, securing data, etc.

8. eSolutions

This area of WWG maintains all the websites, apps, etc. The technology provided to IBOs from WWG comes from this area.

9. World Wide Support

This, of course, consists of the support provided. Members are able to contact them via email, live chat, and the "Ask Us and Tell Us" databases.

The Business Opportunity

The business opportunity, as you already know, is Amway.

Remember, Amway is a MLM company that relies on independent distributors (aka IBOs or Independent Business Owners) to do all the marketing and selling. Anyone can join this opportunity and it is this that WWDB trains people for.

Why does WWDB train people? The reason is because they make money off of everyone they get to join, and you'll see why.

Compensation Plan

If you look around for a good explanation of the Amway compensation plan then you will be looking for quite some time. Amway is very secretive when it comes to this and doesn't provide any clear explanation of it to the public.

However, I've done a good bit of research and below I've listed the 2 main ways in which IBOs earn money, which are the same 2 main ways for earning that every MLM has... 1) selling products, and 2) recruiting in other distributors.

1) Retail Profit (selling products)

As an Amway IBO you will be able to purchase Amway products at discount prices and then sell them at a markup, which you can set yourself.

The difference is what you get to keep... pretty simple.

As an IBO you will also be set up with your own Amway website that you can refer buyers to... in which you will earn money the same way (difference between discount price and retail)

2) Business Volume Commissions (recruiting in other distributors)

And now this is where the MLM part of it all starts to come into play.

Like most MLM comp plans, it can get pretty darn confusing, but I'll try to explain it in the simplest way possible.

As an IBO you can recruit others to join the business, they can recruit others in, and so on.

unilevel comp plan

Now for each product that you sell, and for all the products that everyone recruited in beneath you sells, will earn points. There is a PV (point value) attached to each product and this is right around 1/3 of the price. So if you sell a $60 product you will earn 20 PV.

The commissions you will earn will be based on the total PV of all the members in your group, which means you + your downline.

Example: Let's say that you recruit in several people to the Amway business, John, Tod, and Sally.

  • John sells $300 of products and earns 100 PV
  • Tod sells $300 of products and earns 100 PV
  • Sally is an absolute boss and sells $1,200 in products, earning 400 PV
  • And then you sell $900 in products and earn 300 PV

The total PV of you + everyone else here is 900 PV. 

And based on this number you will get paid a % of the Business Volume (BV), which according to the chart is 9%...


BV (business volume) is the actual dollar value of products that you sold.

So since PV is about 1/3 of the price, BV is 3 times as much as PV, generally speaking of course.

So if there was a total of 900 PV from you and your group, the BV would be 2,700.

You will earn 9% of 2,700 minus the percentage that those on your team earn.

If you were to earn the full 9% of 2,700 it would be $243... BUT the amount that those on your team earn from this all is subtracted.


  • John had a PV of 100 which qualified him to earn 3%.
  •  You had a group total PV of 900 which qualified you to earn 9%.
  • 9% - 3% = 6%, which is the actual amount you will earn from John's sales.

It's confusing, I know. But you get the point... you earn from your own sales and the sales of those recruited in beneath you.

*Note: There are also over a dozen ranks (aka achievement levels) in the Amway comp plan that your earnings will depend on, but I'm not even going to get into this.

This video provides one of the clearest explanations of the comp plan I could find. So take a few minutes to watch it if you are confused:

So now you can see the incentive for WWDB to get people to join the Amway business opportunity and to help them out... because they earn commissions from this.

It's All About Being "CORE"..

Okay, so now we've talked about the Amway business opportunity and it's time to get back to talking about WWDB.

There is something that they call CORE... and this is what they call you if you follow all their training, steps, recommendations, buy all the motivational material and so on.

Basically you are CORE if you do everything you are supposed to do.

Apparently the steps to be considered "CORE" will vary depending on your WWDB group (who recruited you in), but they generally break down like this:

  1. Recruit - Present the Amway business opportunity (10 - 15 people per month)
  2. Sell - Retail the products (10 customers at 10 PV each)
  3. Tapes/CDs
  4. Books
  5. Attend all functions
  6. Be accountable
  7. Counsel with your upline
  8. Buy 100% of your own products
  9. CommuniKate

The problem is that achieving all of these steps to maintain a CORE status is much more difficult than it may seem.

As stated on, being able to present the opportunity to 10-15 people and sell to 10 customers each month is much easier said than done, especially in places like the US where the market is already saturated and Amway doesn't exactly have a "good" reputation.

CORE, according to some, is nearly impossible to achieve and, if you don't achieve it, your upline will likely just point to this reason for all your failures.

Success Rates

WWDB provides all this extra education and support for Amway IBOs, but how well is this working?

After all, distributor earnings for Amway aren't too pretty.

Earnings Disclosures:

On the Fraud Files blog there are several Amway earnings disclosures listed and all of them are misleading and down-right horrible.

*Note: Amway isn't very good about disclosing earning statistics on a regular basis. Hmmm... I wonder why?

Example 1 from US Income Disclosure:

  • In 2016 Amway reported that if someone sustained an "active" level of activity every month for the entire year "their annualized income would be $2,484".

Now this statistic is already bad enough, but the reality is likely worse than it seems. They also stated that 48% of IBOs were active, but I'm guessing not many sustained this activity throughout the whole year. So in reality the average annual income was much less than $2,484, since most people weren't even active and a large number probably wasn't active for long.

Link to Income Disclosure

Example 2 from UK Income Disclosure:

*This is from September 2016 to the end of August 2017.

  • 17,205 total Retail Consultants who earned a monthly average of £41.82/£48.18
  • 19,669 total Certified Retail Consultants who earned a monthly average of £100.43/£155.72
  • 66 total Business Consultants (consultants at the ranks of Diamond, Emerald, and/or Platinum) who earned a monthly average of £2,281.11/£2,623.65

Link to income disclosure

What these numbers mean is that, out of a total of 36,940 consultants, only 66 made it to the higher ranks of Business Consultants... AND out of these 66 people the monthly average was still only £2,281.11/£2,623.65.

Bad or not? You decide. I think it's pretty darn bad.

Does WWDB Improve Success Rates?

Unfortunately there is not good data on this. WWDB doesn't seem to disclose any information on this and I have no idea if they even keep track of it.

However, according to AmwayWiki, there over 500 qualified Diamonds in their organization. Now there may have been some that they recruited in before founding the WWG and WWDB, but since they started WWG shortly after joining Amway it is probably safe to assume that most of these Diamonds came in through WWDB.

*Note: It's worth mentioning that most of these DIamonds are in Korea. 

But this still doesn't really tell us much since we have no idea how many people are joining WWDB and failing.

I think it is obvious that the training and support provided by WWDB can help, but in some cases it may have a negative effect on people since it can become costly and overwhelming (at WWDB they aren't looking for people who want to join just to make a little bit of money... they will push you).

The Costs

Now let's talk about the costs, which you likely aren't very aware of if you have been contacted by a WWDB member.

Below is a breakdown of the various costs associated with WWDB from someone who was being recruited by a WWDB member...


There is the cost of...

  • Membership
  • Costs of attending functions
  • Costs of motivational CD's and books
  • Planners
  • Samples
  • Marketing materials and more.

Plus there is the cost of actually joining the Amway business opportunity, which is around $100.

The worksheet above lists the total cost for a single person to join WWDB at $3,500. Add on the $100 Amway fee and it is $3,600. BUT... it appears that this worksheet might not be completely accurate... and that COSTS MAY BE MUCH MORE.

In another WWDB review I was able to find online, which seems to be honest (review here), a newbie WWDB member claims to have spent $10,000 - $15,000 on everything over the course of several months, which included "everything" he was told to buy...

  • Staying CORE (doing everything you are supposed to do)
  • Motivational materials
  • Amway product to keep PV up
  • Functions,
  • Gas & accommodations
  • and more...

So what is the real cost of joining WWDB?

This is still unclear but there is no doubt it can get extremely expensive... and long before you start making any significant money from Amway (which there is a good chance you will never make).

Costs can vary depending on where you are located and the varying prices of attending functions, how pushy your mentor is, etc.


1. Shady & Non-Transparent

Since you are doing research on the topic I'm sure you are well aware of the loads of complaints out there you can find about WWDB. Many people call it a scam and have some vary harsh words to share.

The lack of transparency with WWDB is one of the major causes of complaints... and this is something I have definitely noticed myself while doing my research for this review.

  • Costs don't seem to be fully disclosed.
  • The opportunity is presented almost as some sure path to success.
  • I've even read from some people who have been involved that members are encouraged to lie about the opportunity when new recruits suspect that it is Amway

Information provided to new recruits is very vague and doesn't paint a very clear picture of what is going on... this is deceptive and it's no wonder there are complaints about it.

2. Hidden Costs

Going along with the lack of transparency, there are the hidden costs. The worksheet breaking down the costs, which I showed above, shows some of the costs/expenses but still doesn't seem to provide all the details.

Based on numerous reviews I've read from people who have been involved with WWDB and have written about their complaints, it seems that the functions they try to get you to attend are the major expense. 

Some can get as expensive as $1k with all the travel/accommodation expenses... and according to some reviews they will try to guilt trip you into going... talking about how the Platinum mentor is taking all this time out of their schedule to give you free training.

3. Absolutely "Ruthless"

Amway sponsors and Mentors of WWDB have quite a bad reputation for being absolutely ruthless when it comes to the business. At first they may appear to be the nicest people on the planet, but what it often comes down to is the fact that they rely on recruits for their income... and recruits are often just numbers.

There are all sorts of horror stories online from people who have been pushed to do insane things just to put more time and/or money into their WWDB business, such as break up with their girlfriend/boyfriend...


[Source: from the comment section of a post on]

*I have heard this from at least 2 people!

If you join WWDB you better make sure your partner is on-board... or there are going to be problems.

4. Most People Will Fail... Guaranteed

Now as I already mentioned, I don't know the success rates of WWDB members who have joined Amway. But what I do know is the success rates (as talked about when I went over the income disclosures) of regular old distributors for Amway... and they aren't good.

At the end of the day, although you can get extra training and support if you join WWDB, you are still joining the MLM Amway... and MLMs have high failure rates for a reason.

The reason is that the comp plan is pyramid-shaped and in order to earn large amounts of money you pretty much have to have a lot of recruits beneath you, unless you are someone able to sell mass amounts of Amway products yourself, which is unlikely.

Most people are at the bottom, and this is how it will always be... and most people struggle as their commissions get funneled up to those above them.

How is this not a pyramid scheme? Here is the difference between a MLM and pyramid scheme... The lines are blurry with Amway.

IMPORTANT NOTE: A lot of the complaints have to do with the WWDB recruiters. Some, as mentioned, are ruthless and deceptive... but I just want to make it clear that not everyone is like this. There are some good reviews out there as well.

Pros v Cons of Joining WWDB

  • Lots of professional training in addition to what Amway provides
  • Support from high ranking Amway members within WWDB
  • Additional marketing materials provided
  • Live events held all over the world - good learning opportunities
  • It's a MLM business opportunity and most people fail (some reports state that 99% of MLM participants lose money!)
  • Much more expensive than if you were to just join Amway without going through WWDB
  • WWDB mentors can be very pushy and controlling (even more cult-like than if you were to just join Amway by itself)

Is World Wide Dream Builders a Scam?

You can decide the answer to this question. I don't personally consider it a scam but I do consider the whole operation a bit shady and I don't particularly care for MLMs in the first place.

There are quite a few complaints from people who have been lured into the opportunity in deceptive and misleading ways... so I can completely understand how they would feel scammed later on when they start to see the reality of things.

Conclusion - Worth Joining?

Now this is the toughest question to answer thus far. I hope this review gave you a more clear picture of what is actually going on here so that you can make a better decision about it.

One thing is for sure, if you are thinking about joining you have to be willing to put in a lot of work, you have to realize that it can get very expensive, and you have to also be aware that most people fail.

Don't fall for the Disney-like fairy-tales of this being some amazing opportunity that is pretty much a guaranteed success. It isn't by any means.

Now it's your turn: What do you think about WWDB? Have you had any experience with them?

PS: If you want a home-based business opportunity that doesn't require recruiting in people and annoying your family/friends then check out what I do.

Is Heart & Body Naturals a Scam? – What to Know Before Joining

How good are their products and is their business opportunity even worth bothering with? Is Heart & Body Naturals a scam?

In this review we'll be answer exactly this... along with everything else you should know. We'll be going over the various products offered, quality concerns, the business opportunity and compensation plan, how much consultants are actually making and more.

Let's begin...


Heart & Body Naturals

Heart & Body Naturals (HBN) is a health & wellness MLM company based in Kentuck. The business was founded by Paula & Ben Scarcell, along with Alexandria Brighton... and is based around the "Healing Trilogy" formulated by Alexandria Brighton, who is an aromatherapy formulator, educator, and the owner of Brighton Institute of Botanical Studies. The "Healing Trilogy" refers to the focus placed on healing the body, mind, and soul, instead of just focusing on one or the other.

You could say that HBN's main products consist of their hemp-oil product lineup, but they also provide a wide variety of others, such as lotions, flea & tick repellent for dogs, superfoods, essential oils, mineral supplements, and more.

One of the main reasons this company is becoming so popular is because of its MLM (multi-level marketing) business model, in which it relies on independent distributors to do all the marketing and selling rather than selling product in a retail setting, which we'll be going over in detail.


What Products Does HB Naturals Sell?

The company mostly focuses on hemp-based products, like CBD oil, coffee infused with hemp extract, lotions & serums with hemp extract, etc... but they also sell non-hemp products. These include natural soaps, supplements, superfood powders and more.

How Much Does It Cost to Join?

Unlike many MLM opportunities that exist, there is no need to purchase expensive product packages to join here. However, if you do join you may feel forced to make some purchases, as we'll go over shortly.

Is Heart & Body Naturals a Scam?

No, this is not a scam. They sell legitimate products and offer a legitimate business opportunity.

At the time of this review they are not BBB accredited, but this doesn't make them a scam by any means.

What About a Pyramid Scheme?

While there compensation plan does have a pyramid shape to it, it is not a pyramid scheme, legally speaking. 

We will go over why later in this review.

How Much Consultants Make?

According to their income disclosure the average annual gross revenue for a consultant is projected to be $500 - $2,000, but this is not a very reliable figure.


Let's start with the hemp-based products...

Hemp Oil Extract Products

Here they have regular old hemp extracts, hemp extracts mixed with essential oils, hemp extracts mixed in with personal care products and more.

Pure extracts:

Their most concentrated extract is called Elite and features 2,400 mg of full-spectrum hemp oil extract per 1 ounce bottle...


Elite: $179.95

Then they have other full-spectrum hemp oil products at decreasing concentrations, such as 1000 mg and 500 mg per 1 ounce dropper bottle...


1000mg: $129.95

These can be purchased in different flavors, such as natural, mint, and spice.

In addition to the hemp oil products for humans, they even have products for pets. 4Paws is a full-spectrum hemp oil product sold in a dropper bottle at 1000 mg concentration (per 1oz bottle).

What makes this 4Paws product different than the normal 1000 mg full-spectrum hemp oil product? This is something we don't know.


4 Paws: $29.95

Extracts with Essential Oils:

Additionally, they sell hemp-extract products that come in dropper bottles and have a mix of other ingredients.

For example: their Everyday product contains full-spectrum hemp oil at a concentration of 277.8 mg per 1-ounce bottle and also contains peppermint oil, frankincense essential oil, and copaiba essential oil. This mixture is intended to help with everything from joint pain to anxiety... and just health in general...


Everyday: $39.95

Coffee Infused With Hemp-Extract:

Their coffee products are infused with hemp oil. Not only will you get about 62mg of caffeine per cup, but it also provides 25mg cannabinoids from the hemp oil in every cup that is brewed.

Rise Coffee

Rise Coffee: $28.45 - $85.45

*Note: The coffee is of the Arabica variety and is subject to the fair trade agreement.

Soap With Hemp Seed Oil:

Their Patchouli Hair & Body Bar contains a number of natural oils in it along with hemp seed oil...

HempSeed BathBar

Patchouli Hair & Body Bar: $8.00

Personal Care Products

Here they have lotions, cleansers, soaps, and more... none of which have hemp oil.

4-Step Facial Products:

The 4-product combo of their 3-in-1 Cleanser, Repair Fine Line Cream, Revive Facial Serum, and Hydrate AM/PM Moisturizer seems to be pretty popular in this category...


Above picture includes Clean, Repair, Revive, and Hydrate

The idea here is that you first clean the skin, then repair, revive and lastly hydrate to keep healthy.

These products contain nigella sativa oil, frankincense essential oil, apricot kernel oil, aloe leaf juice extract, alpha hydroxy acids, and neem seed oil (among others).


In addition to the Patchouli soap bar that has hemp seed oil, there are a variety of others without any hemp. These include Charcoal & Cacao, Lavender & Comfrey, and Peppermint.

Lavender & Comfrey BathBar

Lavender & Comfrey Bath & Body Bar: $8.00


In the personal care product section they even have an organic "intimacy enhancer" that is formulated to increase blood flow naturally and promote a healthy hormone balance. 

Sesso Dulce contains a number of different herbal extracts and oils to provide natural sex-enhancing alternative to popular products like Viagra.


Sesso Dolce: $25.00

Essential Oils

Heart & Body Naturals also has quite an extensive lineup of essential oils, including blends and pure oils.

Essential Oil Blends:

Their blends consist of different blended essential oils with some common health goal.

For example, there is the Breath EO blend that consists of eucalyptus, melaleuca, origanum, pinus sylvestris, peppermint, rosemary, and other oils that can help with respiratory problems.



Other blends include...

  • Align
  • Calm
  • DyGest
  • Focus
  • Prosper
  • Still
  • Kids Wellness

These sell for anywhere from $20 - $34.

Essential Oil Singles:

Their singles sell for less and more, at anywhere from $9 - $40 per 10mL bottle, depending on the oil.

Varieties include black spruce, copaiba, cypress, lemon, peppermint, sweet orange, tea tree, ravintsara, lavender, pink grapefruit and more.


Pink Grapefruit Essential Oil Single: $14

Pet Products

Besides the 4Paws hemp oil extract that is for pets, which we already went over, HB Naturals also sells flea & tick repellent, itch relief, and essential oil blends... all of course contain 100% natural ingredients.

For example, Calm For Pets is an herbal/essential oil blend that promotes calmness in dogs.

calm for pets

Calm for Pets: $25

And their Flea & Tick Repellent is a similar formulation of herbs/extracts/and oils that comes in a handy spray bottle...

flea and tick

Flea & Tick Repellent: $20

*Note: We don't know how good this repellent works compared to other products on the market.


In the "superfood" category they have products like Black Seed Extract...

black seed extract

Black Seed Extract: $29.95

... which has been used for centuries as a traditional herb for general health and is packed with phytochemicals, antioxidants, amino acids, minerals, and more.

Then we have the various powder superfood products that they sell, which are mixes of herbal powders and extracts. These include BODY, which is for heart health and boosts nitric oxide levels, SOUL, which is for balancing pH levels and promotes gut health, and MIND, which helps boost cognitive performance and calms the mind...


MIND (superfood powder blend): $49.95


Then there are the biominerals, which include things like Potassium beALKALINE, a liquid potassium supplement sold in a dropper bottle...


Potassium beALKALINE: $36.00

... as well as others, such as:

  • Iron
  • Magnesium (liquid in dropper bottle)
  • Magnesium (lotion for sleep)
  • Silver
  • Zinc
  • And they even have a Chromium supplement that could actually go into the next section of weight-loss because of how its affects on the metabolism...

Chromium beSTABLE: $36.00

Weight Loss

Last on the list of product categories is weight-loss. Here we have what they call SLIMMER, which is a powder mix of "superfoods" such as sea buckthorn juice, garcinia cambogia extract, green coffee bean extract, yacon root powder, monk fruit powder, chromium (of course), ashwagandha root and leaf extract, and more.


SLIMMER: $59.95

Product Quality - Should you be concerned?

Of course it doesn't really matter what ingredients are in the products if they are poor quality. Luckily, HB Naturals really cares about quality and takes several measures to ensure that customers get the best.

  1. All products are manufactured in the USA under GMP (Good Manufacturing Practices). - Their hemp is grown on Kentucky farms.
  2. They have each batch of product tested by a 3rd party, and they display the Certificates of Analyses on their website (for hemp products).
  3. All products are free of chemical fertilizers, herbicides, etc., and are non-GMO.
  4. Hemp extract is extracted via a sub-critical CO2 method, which doesn't involve any harsh solvents.

When it comes to product quality, HB Naturals is at the front of the industry.

Business Opportunity

As you already know, anyone can join the HB Naturals business opportunity to earn money selling products and recruiting others into the business.

HB Naturals is what you call a MLM (multi-level marketing) company, and they rely solely on an independent sales force of distributors to do all the marketing.

As we already mentioned in the FAQ section at the beginning, this opportunity is free to join. You are not required to purchase expensive product packages like many other MLMs require you to (for example, Solle Naturals requires that you pay a $100 fee to get a free replicated website and other business materials... and others out there require more cash up-front).

That said, you must have at least 25 PSV each month to be considered "active" and eligible to collect commissions.

  • PSV stands for Personal Sales Volume and this includes the total volume of your personal orders as well as personal retail sales.

*Because you can simply buy products yourself to remain active, this is what some consultants will do... even though they might not need the products.

Compensation Plan - 7 Ways to Earn

But first... let's go over the different ranks in the compensation plan... because earnings will depend greatly on this status. There are 12 total:

  1. Member
  2. Consultant - Need 25 PV/month & 1 personally enrolled active member
  3. Executive - Need 25 PV/mo and 2 personally enrolled active members
  4. Bronze - Need 50 PV/mo and 2 personally enrolled executives
  5. Silver - Need 50 PV/mo and 4 personally enrolled executives 
  6. Gold - Need 50 PV/mo and 8 personally enrolled executives
  7. Platinum - Need 50 PV/mo and 12 personally enrolled executives
  8. Pearl - Need 50 PV/mo and 12 personally enrolled executives
  9. Sapphire - Need 50 PV/mo and 1 personally enrolled Platinum Consultant
  10. Ruby - Need 50 PV/mo and 2 personally enrolled Platinum Consultants
  11. Emerald - Need 50 PV/mo and 4 personally enrolled Platinum Consultants
  12. Diamond - Need 50 PV/mo and 6 personally enrolled Platinum Consultants

In a nutshell, moving up the ranks is all about recruiting in more consultants and helping them recruit in more consultants. Sure, there is a Personal Volume requirement, but this only goes up to 50 PV/mo and stays at this amount.

Moving up the ranks will unlock more of the compensation plan, as you will see now, and it's all about recruitment...

Now let's talk about the 7 different ways to earn:

1) Retail Commissions

Retail commissions are when you sell HBN product to customers... pretty simple.

There are 2 ways you can go about this:

  1. Refer people to purchase from your website that you get as a Consultant.
  2. Buy products yourself at a discount and then sell them directly to people at a mark-up.

When you send people to your website to buy products you will earn 50% of the commission-able volume and the other 50% will go into the Binary Pay structure, which we'll talk about in a minute.

*This doesn't mean you earn 50% commissions on your sales.

Each product is assigned a CV (commission-able volume). For example, the 1000mg CBD oil bottles have a CV of 100 points. You earn half of this... 50 points, which = $50.

2) Fast Start Bonus

Like most MLMs, this place has their form of a "fast start bonus". Here you will earn 20% commissions on the wholesale orders of your personally enrolled members during their first 90 days. You can also qualify to earn this bonus on 2nd & 3rd generation members if you are ranked high enough.

This bonus is intended to help give Consultants some quick bonus cash to get going. 

*Note: Your 1st generation consists of the consultants that you personally recruit in. The 2nd generation is made up of the consultants that they recruit in. The 3rd generation is then the consultants that the 2nd generation recruits in... and so on.

3) Star Bonus Spring Promotion

This bonus ranges from $50 - $100 and pays Consultants for building their downline.

  • First you must make an order of at least 100 PV during the month
  • Get a $50 bonus when you have two 1st generation members who also have 100 PV
  • Get a $75 bonus when you have four 2nd generation members with 100 PV
  • Get a $100 bonus when you have eight 3rd generation members with 100 PV. 
4) Matrix Bonus

HBN has a 2x17 matrix in place where consultants earn $0.25 to $1 for every order with 50 CV or higher.

The higher your rank, the more levels you will be able to earn from.

Here's how it works:

Below each person there are 2 positions. So each level doubles in size... and this continues down 17 levels (the diagram below just gives you an idea, but only goes down 3 levels)

With a matrix like this any position can be filled by anyone. So if one person only recruits a single consultant in, but another recruits in 10 consultants, the extra recruits by the person who recruited in 10 will spill over and fill any open positions.

The table below shows the number of levels you can earn on depending on your rank...



5) Binary Bonus

The Binary Bonus structure is similar to that of the matrix but works differently.

Remember how we talked about 50% of the commissionable volume on retail sales going to the binary structure? This is what we were talking about.

The binary structure also has 2 positions beneath each person...

But here there is a right and left side, or right and left team... and how it works is you will be paid up to 12% of the CV on the side that has the lesser sales volume for the month.

  • 4% commissions on orders with 25 PSV minimum
  • 8% commissions on orders with 50 PSV minimum
  • 12% commissions on orders with 100 PSV minimum

*Note: You must be at the rank of Executive Consultant or higher to earn this bonus.

6) Binary Match Commissions

Binary match commissions pay down to 7 generations deep and pay consultants at the Bronze rank or higher a check match of the binary commissions that Executive Consultants in their organization (downline) earn.

At the rank of Bronze you will only earn 10% check matches from the 1st generation, and this improves as you move up the ranks, as follows...



7) Rank Advancement Bonus

Last on the list is this bonus, which simply rewards members for achieving the ranks of Pearl on up to Diamond... anywhere from $5,000 to $100,000.



How Is This Not a Pyramid Scheme? 

Yes, the compensation plan does have a pyramid structure to it. Both the binary and matrix structures in the comp plan are pyramid shaped and those at the top earn from those beneath them.

BUT... all MLMs are like this and the difference between an illegal pyramid scheme and a legit MLM is the sale of products... not just to new recruits being forced to purchase products, but to real customers.

HBN sells real products and actually has a quite large customers base.

Earnings Disclosure

Is it worth it to become a consultant? 

In order to answer this question we should look at how much consultants are actually making... which unfortunately isn't very much.

Heart & Body Naturals' income disclosure states, as we mentioned in the beginning, that the average consultant earns between $500 - $2,000 a year... which is nothing.

However, MLM statistics like this never paint a very clear picture of what is going on. We have no idea how much work these consultants put into it, how many quit without ever really trying, and so on.

That said, MLMs are notorious for having high turnover rates due to the very structure they have in place. The pyramid structure siphons money from the bottom to the top... making things more difficult for those on the bottom, which makes up the majority of participants.

On a more positive note, it's really refreshing to see that the majority of purchases come from regular customers, not consultants... at a 72 : 28 ratio...



This goes to show that HBN is far from being a pyramid scheme and this is what is needed for a MLM company to last in the long-run.

Pros v Cons

  • Nice product lineup, good variety
  • Made in USA
  • 3rd party testing
  • Business opportunity available... and no cost to join
  • Large customer base
  • Products are pricey
  • Harder to make money than it seems

Conclusion - Worth Joining?

The products are good, so if you are thinking about joining just as a member then you just have to decide whether the prices are worth it to you, because there are cheaper alternatives.

However, whether or not to join the business opportunity isn't a question we can answer for you, but what we can recommend is that you only join if you actually believe and like the products. This will make selling easier and the entire business overall more enjoyable. Just don't expect to be raking in the money... very few people make it high enough up the ranks to make a lot and most fail.

As an alternative, if you don't want to share commissions with people above you and don't want to deal with recruiting then affiliate marketing is something you may want to consider... which can be done completely online.

Check out the Wealthy Affiliate training program if interested.

Questions or comments? Leave them below and we'll get back to you as soon as possible 🙂

Is Solle Naturals a Scam Opportunity? – Review

Is it really the amazing opportunity that people say it is? Or is Solle Naturals a scam that is just going to be a waste of time and money?

In this review we'll be going over what exactly Solle Naturals is, the products, quality concerns, the business opportunity and compensation plan, earnings disclosure, pros v cons and more.

Let's begin...

Overview of Solle Naturals

Solle Naturals

Solle Naturals is a Utah-based MLM company, founded by Greg Halliday, Jordan Peterson, Lon Hudman, Cory Anderson, and Kendall Bird, that is based around alternative and herbal medicines. They have quite a large lineup of products, all centered around the idea that the body and mind must be nourished for optimal health.

Much of their brand is based around a "special class of herbs" that they call adaptogens... which are herbs that have a normalizing affect and help people adapt to stress. At least one herb that is classed as an adaptogen is included in each of their products.

Overall the company isn't that large or well-known, but this certainly isn't a bad thing and it's good to see such a focus on product quality.

Besides the products, the MLM (multi-level marketing) side of the company provides a business opportunity that anyone can join as a "Specialist" and earn money promoting products as well as recruiting in other Specialists.


Solle Naturals is all about healthy and natural products, as you can imagine. They have quite a long lineup of products and they are all...

  • Plant sourced
  • Gluten-free
  • Soy-free
  • Non-GMO
  • No artificial ingredients
  • MSG-free
  • Nut-free

We aren't going to cover ever single product that they offer here because that would take too long, but we'll go over quite a few of their best sellers so that you can get a good idea of what we are looking at here. These range from essential oils, to protein powders, to fiber powders, pain creams, and a lot more. Most have quite extensive blends of herbs, as you will see.

Solle Vital - $43.95

Solle Vital

Solle Vital is formulated to protect, energize and strengthen the body, as well as help balance mood. It contains Multiphyllin Prime Chlorophyll Blend, SativaMin Plant Trace Minerals and AdaptAble Balanced Adaptogen Blend... all of which are made-up names for the different blends included (Solle Naturals loves to make up strange names and trademark them).

This product comes in powder form in little packets (30 per box) and can be added to cold beverages, teas, etc. 

The herbs included here are: alfalfa extract, nettle whole herb powder, spinach leaf powder, mulberry fruit extract, avena sativa seed extract, burdock root extract, nettle leaf extract, dandelion root extract, eleuthero root extract, schizandra fruit extract, astragalus root extract, ashwaganda root extract, jiaogulan leaf extract, and rhodiola root extract... WOW that's a lot!

SolleFlex PI - $31.95


SolleFlex PI comes in capsule form and is formulated for bioavailability. The herbs contained in this concoction include Chinese scullcap extract, boswellia serrata, curcumin, magnolio bark, myrrh gum, noni extract, and grape seed extract.

There are 30 servings included in each bottle.

AdaptAble - $29.95


As the name suggests, AdaptAble is all about the adaptogenic herbs, which consist of eleuthero root extract, schizandra fruit extract, astragalus root extract, ashwaganda root extract, jiaogulan leaf extract, and rhodiola root extract.

Additionally it contains eleuthero powder and St. John's wort extract.

This product comes in capsule form for easy supplementation (also 30 servings per bottle here).

Solle Essentials - $18.95 - $29.95


The Solle Essentials product lineup come in small 5ml dropper bottles and consist of essential oils. There are different blends that are intended for different purposes. 

The different blends include:

  • Balance - designed to restore a balance of energy, which can improve sleep, mood, etc.
  • Lift - formulated to boost mood and positivity.
  • Calm - formulated to help relieve stress and promote calmness.
  • Clarify - consists of anti-inflammatory blend to promote cellular health.

SolleFlex AC Cream - $21.95


SolleFlex AC is a 3oz tube of cream that can be used for aches and pains. It absorbs quickly and doesn't leave any oily residue.

The formulation includes a heck of a lot: arnica montana flower extract, MSM, olea Europaea leaf extract, passion flower extract, witch hazel leaf extract, aloe vera gel, water, jojoba seed oil, argan oil, calendula officinalis flower extract, chamomile flower extract, safflower oil and more.

SolleThrive - $49.95


This is a nutrient-dense green powder drink mix that consists of sprouts, probiotics, enzymes, herbs and fruits.

The herbal blend includes ginseng powder and extract, yellow dock powder, red raspberry leaf powder, purple lapacho powder, mimosa bark extract, holy basil extract, ginkgo biloba extract, sasparilla powder and extract, hawthorne berry extract, licorice root powder, rosemary extract, and ginger root extract.

And the other ingredients are sprouted flax powder, hemp flour, alfalfa sprout powder, sprouted chia powder, sprouted amaranth powder, quinoa sprout powder, watercress powder, lactobacillus sporogenes, aronia powder, monk fruit extract, mulberry extract, and bromelain.

There is a lot going on here and this nutritional shake mix provides good sources of omegas 3, 6 and 9, as well as vitamins, minerals, amino acids, and fiber.

Each bag of powdered mix contains about 21 servings.

CinnaMate - $39.95


CinnaMate is designed to enhance digestion and sugar management, which can improve energy and focus.

The proprietary herbal blend it contains consists of yerba mate extract, nopal cactus fruit powder, cinnamon bark extract concentrate, banaba leaf standardized extract, and thyme extract concentrate.

This powdered blend comes in small packets (30 servings per box) that can be easily mixed in with beverages.

SolleComplete - $31.95


SolleComplete is their protein powder/meal replacement product. This comes in a bag and consists of 15 servings.

Each serving provides 18g of pea protein along with a long list of herbs, extracts, and more... some of which include astragalus root extract, green tea leaf extract, rose hips fruit extract, gingko biloba leaf extract, ginger root extract, apple fiber, blueberry fiber, horsetail herb extract, lactobacillus sporagenes, and more.

There are different flavors available, such as natural and Dutch cocoa.

SolleMaca XD - $34.95


This is their sexual wellness supplement and is supposed to boost sexual stamina in both men and women.

There are 30 servings per bottle and it mostly consists of different types of maca. The ingredients include yellow maca root and root extract, red maca root, black maca root, capuacu juice powder, cordyceps sinensis extract and damiana leaf.

GoodFibrations - $31.95


This product, as you can guess, is all about providing good fiber... and it also provides "adaptogens", fruits, and herbs.

The ingredients consist of psyllium husks, psyllium seed powder, red raspberry seed and leaf powder, cranberry seed powder, black raspberry seed powder, apple fiber, blueberry fiber, slippery elm bark extract, marshmallow root extract, ginger root extract, pear fruit powder, and lime juice powder.

There are 16 servings per bag and each serving provides 6g of dietary fiber... a decent amount but nothing major.

Product Packages

And then, besides just single products, they also have a wide array of product packages that you can choose from. These will be particularly interesting for those looking to get involved in the business opportunity because they are much more expensive and much higher commissions can be earned selling them.

GoodTract 14 Day Cleanse & Whole Body Detox - $130


This cleans package includes GoodFibrations, Solle Vital, FasTract, and Amitox. It is designed to cleanse the colon and detoxify the entire body.

Users are supposed to aim for 3 bowel movements per day!

And this is just to give you a little idea of what the product packages are like. Others include:

  • Solle Immune Package - $112
  • One of Each Product Package - $876
  • Bella Health Package - $159
  • SolleFit Premium Workout Package - $110
  • 4Ward Thinking Package - $290
  • Holistic Weight Loss Package - $380
  • FasTract Detox Cleanse Natural - $235
  • Family Package - $1,280

Product Concerns

Are the ingredients proven to work?

A lot of the ingredients included don't have the most concrete evidence proving their effectiveness for their intended use here, but what they do have is hundreds and even thousands of years of use in traditional medicines.

Solle Naturals provides quite informative PDF documents that give information on the uses of certain ingredients, research that has been conducted on them, and more. Below is a list of some of these resources broken down into different categories based on the purpose of their products:

Can you trust the product quality?

Of course it doesn't really matter what the ingredients are if they aren't of good quality.

Fortunately it seems that Solle Naturals really cares about quality. However, it would be nice if there was some 3rd party quality testing done here. By the looks of it they only do their own in-house quality testing, in which they call SolleCertain... which means a product is ensured to be pure and potent based on 10 different measures they take, such as selecting good suppliers, randomized testing, etc.

It's also worth mentioning that everything is manufactured in the US. This doesn't ensure quality but is nice to see because it means the products will be held to higher standards and subject to more regulation than say... products coming from China.

Overall Opinion On The Products: They are a bit pricey without a doubt, but overall things look good. They tend to get good reviews on marketplaces like Amazon (although not many reviews exist) and also have a lot of high ratings on their Facebook Page (but of course you can't always trust these 100%). It is obvious that SN puts a lot of effort into creating these different formulations with long lists of ingredients.

Business Opportunity

Now let's talk about the business opportunity.

As a MLM company Solle Naturals does not sell any products in stores. Instead they rely on an independent sales force to do the marketing.

Anyone can join the opportunity as what they call a Specialist (this is what they call their independent distributors) to earn money. The only requirement is that you have to pay $100 to join, which will provide you with product samples, a success workbook, a Solle website to refer people to, and more.

Compensation Plan

Solle Naturals Compensation Plan

The compensation plan, which is shown above, can be difficult to follow. It's a bit confusing, and like most MLM comp plans is filled with ranks, bonuses, and of course lots of levels.

Below are some key terms that you'll need to understand in order to understand the comp plan.

  • QV (Qualifying Volume) - This is equal to the dollar amount spent. So if you buy a product that costs $100 then you get 100 QV.
  • OV (Organizational Volume) - This is the volume of products purchased and sold in your entire organization, which includes you and those recruited in beneath you.

The 2 Main Ways to Get Paid

There actually a lot of ways to get paid, but they can all be placed under 2 main categories

  1. Retail Commissions
  2. Recruitment Commissions
1) Retail Commissions

These are the commissions that you earn when you get new members to buy Solle Naturals products. Here we are talking about people that are purely customers and don't join the business opportunity.

When you get a new customer to join you will get a 25% commission on their purchase... pretty simple.

Additionally, there will be commissions paid to your upline (the person that recruited you in and people above them), up to 4 levels from your customer sales.

2) Recruitment Commissions

And now this is where the compensation plan get's confusing. This is where the MLM part really comes into play and this is where most of the focus is at... recruiting and earning money from your recruits.

There are 12 different ranks and your earnings will depend on this:

  1. Specialist - This is where you start out.
  2. 1K Solle Pro - Need 1K of OV (organizational volume) to qualify for this rank. This is the volume of products that you and people you recruited in sell.
  3. 2K Solle Pro - Need at least 2K of OV
  4. 3K Solle Pro - Need at least 3K of OV and 1 Solle Pro in your organization
  5. 5K Solle Leader - Need at least 5K of OV and 1 Solle Pro in your organization
  6. 7K Solle Leader - Need at least 7K of OV and 1 Solle Pro in your organization
  7. 10K Solle Leader - Need at least 10K of OV and 1 Solle Pro in your organization
  8. 15K Solle Leader - Need at least 15K of OV and 1 Solle Pro + 1 Solle Leader in your organization
  9. 25K Solle Elite - Need at least 25K of OV and 1 Solle Pro + 1 Solle Leader in your organization
  10. 50K Solle Elite - Need at least 50K of OV and 1 Solle Pro + 1 Solle Leader in your organization
  11. 75K Solle Elite - Need at least 75K of OV and 1 Solle Pro, 1 Solle Leader, + 1 Solle Elite in your organization
  12. 100K Solle Elite - Need at least 100K of OV and 1 Solle Pro, 1 Solle Leader, and 1 Solle Elite in your organization

They call their compensation plan a SmartPlan because the commissions adjust each month based on how you and your organization are doing.


How it works is like this: You will get paid down 7 levels in your organization and the percentage of commissions you get paid is based on the Organizational Volume (OV) per level. It's nice because the highest commission percentage payout you get will be on the level that has the highest OV, the second highest payout will be on the level with the 2nd highest OV, and so on... starting off at 10% commissions and going down to 3%...

  • Highest Level - 10%
  • 2nd Highest Level - 7%
  • 3rd Highest Level - 5%
  • 4th Highest Level - 4%
  • 5th Highest Level - 4% 
  • 6th Highest Level - 3%
  • 7th Highest Level - 3%

This is good because it maximizes earnings.

  • Note: When you recruit someone into the business they become your level 1, and when those level 1 people recruit people in the new recruits become your level 2... and so on.

The levels you will be able to earn commissions from will depend on your rank. At the beginning rank of Specialist you will only be able to earn commissions from level 1, which are the people that you directly recruited in. Then when you move up to 1K SollePro you will be able to earn on levels 1 & 2, which consist of your direct recruits and the people that they recruited in... and as you can see this continues until 7 levels.

Bonuses & Other Ways to Earn

And then there are the bonuses, in which you can earn money from both recruitment and customer sales.

High 5!: In the yellow section of the table above you can also see the High 5! bonus, which ranges from +2% to +5% and starts at the rank of 2K SollePro. This is a little bonus commission that get's added onto what you are already getting.

Mentor Match: This is another bonus that you can start earning at the Solle Leader 5K rank. Here you will earn a percentage check match of the bonuses that all your personally recruited Solle Pros have received. 

Infinity Bonus: The SmartPlan pays you down the first 7 levels of your organization... and this bonus then pays you beyond that point. This is a 1% bonus of all the commissionable volume in your entire organization after the 7th level (you must be at the rank of Solle Leader 15K or higher to get this).

SolleQuick Bonus: This is a bonus paid for the recruitment of new members and/or specialists and is also paid to 2 levels of the mentor's upline. Payouts can be as much as 45%

HD Override: This is more for stores/shops that are looking to sell Solle Naturals products. It is a rebate that ranges from 28-32% and increases as monthly order volume grows.

  • 28% commissions for 1000/mo order volume
  • 30% commissions for 2,500/mo order volume
  • 32% commissions for 3,500/mo order volume

SolleDriven: Just like most MLMs, here is Solle Naturals' car bonus. This is reserved for the higher ranks and ranges from $250 - $1,000/mo.

SollePrime: This is a $100 bonus given out unlimited times when you either a) enroll 1 specialist or 2 members + you have 2 personal recruits that have at least 150 QV.

Is Solle Naturals a Pyramid Scheme?

The question has to be answered... is Solle Naturals a pyramid scheme?

It is a MLM and all MLMs have pyramid-like structures of some sort... but this doesn't make it a pyramid scheme.

unilevel comp plan

The difference between a pyramid scheme and a legit MLM is the revenue that comes in from real customers vs recruits.

Solle Naturals does sell real products but there is some concern that they could lean a little too much towards the pyramid scheme side of things since they don't seem to require Specialists to meet any quota for regular customer sales.

The compensation plan definitely favors recruitment of Specialists a great deal more than bringing in regular customers, but this is just the way most MLMs are.

So, to answer the question... no they aren't a pyramid scheme.

Earnings Disclosure

How much do Solle Naturals' Specialists actually make? 

Unfortunately they don't disclose this information. But, based on the general extremely high failure rates that MLMs have, with an FTC report stating that 99% of MLM participants lose money, it would be a good guess that the earning statistics aren't too good.

The reason MLMs are notorious for having such high turnover rates has largely to do with the pyramid structure they have in place, which funnels money from the bottom to the top... thus making things increasingly difficult for those at the bottom and only allowing a small percentage to achieve high ranks.

MLMs that do disclose earnings disclaimers, like Mary Kay, doTERRA and Young Living, etc., never show a very pretty site. It is ALWAYS the case that only a small percentage achieve high ranks and earn good money.

Pros v Cons

  • Good product quality
  • Natural ingredients
  • Large product selection & variety
  • Business opportunity provided
  • Products are pricey
  • MLMs are difficult to be successful with
  • Lack or transparency (no earnings disclosure)

Is Solle Naturals a Scam?

No, this is not a scam. Yes, sometimes Specialists can get a little carried away with their recruitment tactics and this can come off as scammy, but the company itself is not a scam in any way.

Conclusion - Worth Joining?

Whether Solle is worth joining or not is completely dependent on your situation.

As with any MLM opportunity, we strongly suggest only joining if you genuinely like the products. Not only will you find that selling products and recruiting people in is easier if you like the products, but you also won't burn-out as easily.

But don't quit your day job. There certainly aren't guaranteed earnings and it's best to get a feel for things before making any income projections.

Alternatively, if you don't want to share commissions and annoy friends/family trying to recruit people in, you can check out the Wealthy Affiliate program to learn affiliate marketing (which can be done completely online).

Please leave any questions or comments below. We like to hear back from our readers 🙂

Utility Warehouse Discount Club – Scam Opportunity? [REVIEWED!]

The Utility Warehouse Discount Club has grown to massive proportions, but is this because it is actually a good opportunity? Or is it because their agents are just really good at getting people to sign up and recruiting in other agents?

Is Utility Warehouse Discount Club a scam in disguise?

In this review we'll explore what exactly Utility Warehouse Discount Club is and what all they offer, the business opportunity they provide, complaints, pros v cons and more.

Whether you are just looking to join as a customer or join the business opportunity... read this first.

What Is The Utility Warehouse Discount Club?

Utility Warehouse Discount Club

Utility Warehouse (UW) (aka Utility Warehouse Discount Club) is a brand of the Telecom Plus company. The UW brand was launched in 2002 and has since become one of the largest independent energy suppliers in the UK, with over 600,000 customer accounts and over 40,000 independent distributors. But besides just energy, they also supply a range of other utilities.

The idea is that with UW you can manage all of your utilities on one single bill, and of course get discounts.

There is no big consumer watchdog group like the BBB in the UK, so No they are not BBB accredited, but the company does have a good reputation and the fact that they were named one of the 2018 utility brands of the year reflects this.

Lastly, in addition to the utility services provided they have a business opportunity that anyone can join as an independent distributor to earn money selling UW services and recruiting in other distributors--which is where some of the scam complaints come from.


Broadband and Landline

Their broadband and landline services will supposedly provide you with "guaranteed savings on landline calls". Some of the highlights include:

  • Unlimited downloads on the main and fibre optic broadband networks
  • A free wireless router

Landline services start out at £18/mo and the lowest cost Standard Broadband starts at £27.99/mo, which has a download speed of 11Mbps (not very great) and has no minimum contract (now this is good).

They make a big deal about providing free landline and mobile calls to other Utility Warehouse members but I don't see why this is such a great benefit. How often are you really going to pick up the phone and chat with other members anyhow? Probably not much.

Mobile Coverage

Mobile plans run on 4G connectivity and start at just £10/mo, but this only provides 1GB of data, 450 minutes, and unlimited text messages. However, that is very cheap and even their most expensive plan that provides 20GB, unlimited minutes & text messages, is only £25/mo.

  • £10/mo
    • 1GB
    • 450 minutes
    • Unlimited texts
  • £12.50/mo
    • 2.5GB
    • 900 min
    • Unlimited texts
  • £15/mo
    • 5GB
    • 1800 minutes
    • Unlimited texts
  • £20/mo
    • 10GB
    • 3000 minutes
    • Unlimited texts
  • £25/mo
    • 20GB
    • Unlimited minutes
    • Unlimited texts

There is no doubt the rates are low here, and they claim so much so that they are 70% less than competitors.

In addition to the service plans they also offer a number of iPhones available for purchase through them where you will pay a low monthly fee until they are paid off.


Energy Warehouse also provides gas and electricity at discount prices. They make the claim that their prices are lower than the "big 6" and from what we can tell this has been, and is, true.

However, there are cheaper deals out there from other discount companies that aren't part of the "big 6".

Some highlights of their energy deals include:

  • Guaranteed savings. They guarantee that their rates will be lower than that of the 'big 6' suppliers on average.
  • Fixed prices. Right now they have a "Double Gold" fixed tariff available that provides guaranteed prices for over a year.


One of the most attractive benefits of UW is that you can manage all of your utilities on one bill. They offer 3 different utility bundles that you can choose from, which not only provide you with this benefit but also have some added savings.

  • Double Gold
    • Phone & Broadband + Mobile + Energy
    • Potential to save up to £682/yr
  • Gold Energy
    • Phone & Broadband + Energy
    • Potential to save up to £348/yr
  • Gold Talks
    • Phone & Broadband + Mobile
    • Potential to save up to £466/yr

With the Double Gold & Gold Energy bundles that provide energy they also offer free light bulb replacement services where they will replace all your home's lights with LED lights typically worth £300 - £500. This is said to be able to save you around 15% annually on your electricity bill.

Other Services
  • Cashback

And, as an added benefit of being a member, you will also be able to save money at over 2,000 retail partners when shopping online. 

What I'm talking about here is the cashback program they have, similar to the CoinOut App, where you will get a small percentage of money back (1-4% usually) if you shop at... Argos,, Expedia, Sainsbury's halfords, Thortons, and about 2k other places. 

  • Home Insurance

The home insurance offered here has been rated at 5 stars by defaqto and Moneyfacts, and is said to provide an average savings of £115 per year compared to other insurance policies.

  • Bill Protector

Their bill protector service covers accidental death up to £10,000 and also covers utility bills up to £250/mo if you are hurt and unable to work due to something that was not your fault.

  • Mobile Broadband

The mobile broadband services come with a Pocket Wireless Router and allow you to connect up to 14 devices.

  • Additional Benefits

And lastly, some additional benefits of being a member that I will briefly mention include the Gourmet Society Card that can save you money when eating out, and the cashback card that saves you 1% everywhere you used it and up to 7% at over 50 top retailers.

Business Opportunity

As mentioned, the UW does not run any advertisements and relies completely on an independent sales force to do all the marketing and selling.

Anyone can join the opportunity as an ID (independent distributor) to make money selling UW services as well as recruiting in other distributors.

Cost to Join

The cost is £100 or £50 if you join as a customer as well, or if you are already a customer.

This startup cost provides you with training and a Starter Pack, which contains marketing materials for you to get your independent UW business up off the ground.


There are no educational requirements or anything like this to get started. However, new distributors are required to go through free online training provided by UW before they can start earning money.

This training includes the College of Excellence (COE) online training and the Getting Started Classroom online training, as well as the Team Building course that qualifies distributors to earn Group Residual Income.

In addition to the online training, new distributors will also be able to have experienced distributors accompany them for the first 45 days in the real world, which will help newbies gain confidence and experience.

Compensation Plan

The compensation plan is pretty typical of MLMs. There are various ranks, lots of bonuses and of course there is big incentive to recruit in other distributors beneath you and earn commissions from their efforts.

1. Customer Gathering Bonus (CGB)

The CGB is paid for every new customer that you get to enroll in at least 1 of the eligible services offered, but the more the better.

This bonus will range from £2.50 to £40 depending on the amount of services bought.

  • 1 service - £2.50
  • 2 services - £5
  • 3 services - £10
  • 4 services - £20
  • 5 services - £40

2. Fast Start Bonus

Just like pretty much every MLM out there, UW offers a fast start bonus where new distributors can hopefully earn some quick cash.

There are 4 different levels of this bonus (4 different payouts) and you can achieve just some or all of them.

  • £100 bonus if you enroll 3 Gold Customers in 30 days
  • £150 if you enroll 6 Gold Customers in 90 days
  • £250 if you enroll 20 customers in 180 days
  • £500 if you enroll 50 customers in 365 days

*Gold Customers are people who purchase one of the Gold utility bundles we went over above.

3. Residual Income

The residual income is the income that comes in on a monthly basis from the people that you have personally enrolled as well as those that IDs recruited in beneath you have enrolled. This is where the money really starts to add up and as you grow your business and customers stay with UW.

  • Personal Residual Income
    • This is the recurring income that you earn each month from the customers you have enrolled. They say that you can expect to earn an average of £30 - £60 per year for each Gold Customer that you have personally enrolled. 
    • Must have at least 3 personal customers to quality
  • Group Residual Income
    • This is where the MLM part of the business opportunity starts to come into play. Here you earn monthly income from the money that IDs recruited in beneath you earn.
    • Must complete the Team Building training course online to qualify

Example: You recruit in Rob (level 1). He then goes out and recruits Bill (level 2). then Bill recruits Sally (level 3), and so on. This continues down multiple levels.

unilevel comp plan

*The % commissions you will be paid here vary a lot depending on the service.

4. Supporter Bonus (SB)

The supporter bonus pays distributors that assist new distributors in getting customers in their first 45 days.

The idea is that you will get help from an experienced distributors when you join and then you will pay it forward after you have experience of your own.

5. Leadership Development Bonus (LDB)

The LDB gives leaders incentive to support promotions withing their "teams", aka downlines. What this means is that you want to help other people in your downline move up the ranks, which I'll talk about in more detail soon.

  • £300 bonus if team members is promoted to Team Leader
  • £500 bonus if team members is promoted to Senior Team Leader
  • £2,000 bonus if team members is promoted to Group Leader
  • £5,000 bonus if team members is promoted to Senior Group Leader

6. Promotion Bonuses (PB)

These bonuses reward IDs for reaching higher ranks within certain amounts of time. The higher you go the higher the bonus is, starting at £300 when you reach Team Leader up to £20,000 when you reach National Network Leader.

If you are one of the very few people who are able to climb up all the ranks and earn all of these bonuses you could earn £38,500 just from this.

  • £300 if you reach Team Leader with 6 months of reaching Qualified Distributor
  • £500 if you reach Senior Team Leader within 9 months of reaching Team Leader
  • £2,000 if you reach Group Leader within 12 months of reaching Senior Team Leader
  • £5,000 if you reach Senior Group Leader within 24 months of reaching Group Leader
  • £10,000 if you reach National Group Leader within 36 months of reaching Senior Group Leader
  • £20,000 if you reach National Network Leader within 48 months of reaching National Group Leader

7. Plus Clubs

If you are able to enroll high amounts of personal customers you will be promoted to Plus Clubs and will earn higher amounts of Personal Residual Income.

There are different levels of Plus Clubs that you can be promoted to starting at 50 personal enrolled customers and going up to 1,000.

Additionally, you will also earn some bonuses, ranging from a simple pin to all expenses paid vacations.

8. Distributor Car Plan

The car plan is designed to help lower the cost of owning a brand new BMW Mini.

You must have an average monthly Residual Income of at least £200 over the past 3 months to quality.

9. HomeStarter

This is a bonus for distributors looking to buy a house. Here UW will provide a loan for a new house of £25,000.

In order to qualify you need to have enrolled at least 40 customers per year for the past 4 years

*If an ID gathers an average of 4 customers per month for the next 5 years after receiving the lone then it will not need to be paid back.

10. Retirement Plan

IDs who make it to the rank of Senior Group Leader and above are able to "retire" from the business and continue to collect Residual Income, which could continue to come in for years and years to come, depending on the activity of your group, aka downline, or course.



Like all MLMs there are various ranks within the company that you can climb up as a distributor, 8 in total. As you move up the ranks you will get more access to the compensation plan and be able to earn more and more money as your downline, aka team, grows and you earn money from them.

How do you move up the ranks?

As you will see below, it all comes down to 3 things:

  1. Enrolling Personal Customers
  2. Recruiting in Distributors
  3. and Helping Distributors move up the ranks, which is all about enrolling customers and recruiting distributors as well.
  • Distributor
    • Starting rank
  • Qualified Distributor
    • Need to enroll 3 customers
  • Team Leader
    • Need to have 10 personally enrolled customers and you need at least 3 Qualified Distributors that form 3 separate legs, and that have made it to the Qualified Distributor rank


  • Senior Team Leader
    • To make it to this rank you are going to need at least 5 separate qualified distributor legs or higher. Plus you will need a minimum of 15 personally enrolled customers and at least 250 group customers
    • In the example below you can see that some legs are made of Qualified Distributors and others are Team Leaders. Anything qualified or above is good.


Next we have the Group Leadership positions. In order to move up to these ranks you will need to focus on team building. The goal is to help others in your team move up the ranks by gathering customers and recruiting in distributors.

  • Group Leader
    • Need a minimum of 20 Personal Customers, 750 total Group Customers, 2 Qualified Distributors, 3 Team Leaders, and 1 Senior Team Leader.
  • Senior Group Leader
    • Need a minimum of 25 Personal Customers, 2,000 total Group Customers, 3 Team Leaders, 2 Senior Team Leaders, and 1 Group Leader.
  • National Group Leader
    • Need a minimum of 50 Personal Customers, 7,000 total Group Customers, 1 Team Leader, 2 Senior Team Leaders, 2 Group Leaders, and 2 Senior Group Leaders.
  • National Network Leader
    • Need a minimum of 100 Personal Customers, 25,000 total Group Customers, 2 Senior Team Leaders, 3 Group Leaders, 2 Senior Group Leaders, and 1 National Group Leader.

The Comp Plan In a Nutshell:

Every MLM compensation plan will vary, but they are all the same at their core. It is MLM (multi-level marketing), so the goal is to sell products personally as well as to recruit other distributors in to sell products and build a downline to grow the business. 

Every MLM has the basic pyramid structure at its core, where the incentive to recruit more people into the business is that you can earn commissions from their efforts.

Is Utility Warehouse a Pyramid Scheme?

There is no doubt about it... Utility Warehouse has a compensation plan with a pyramid structure where distributors earn money by recruiting in other distributors.

However, all MLM's have this basic structure and not all are illegal pyramid schemes.

Utility Warehouse is actually far from being a pyramid scheme and I'll explain why.

The difference between a pyramid scheme and a legit MLM is that the pyramid scheme relies too much on recruitment. A legit MLM's revenue comes largely from real customers buying their products whereas a pyramid scheme (often disguised as a legit MLM) will bring in much of its revenue from recruitment of others into the business and usually forcing them to purchase products.

So, the big question is: how much revenue does Utility Warehouse bring in from recruitment of new distributors... and the answer is not all that much in comparison to the revenue coming in from real customers.

While we don't have access to all the numbers, the fact of the matter is that they have over 600,000 customer accounts and over 40,000 independent distributors, which is a massive difference.

Over 600,000 people have bought into UW as regular old customers... and haven't joined the business opportunity.

So yes, the compensation plan does have a pyramid structure, but this is far from being considered an illegal pyramid scheme. There are many still legitimate MLMs out there, like HempWorx and Avon for example, that lean much further to the pyramid scheme side of things.

That said... don't think because of this it is a great business opportunity. Earning good money isn't as easy as people are often led to believe.

Earning Potential

The problem with MLM opportunities is that their failure rates are extremely high. This is due to the very structure (the pyramid) that they have in place, which funnels money from the bottom to the top, usually resulting in only the top few percent making high amounts of money.

Unfortunately Utility Warehouse doesn't publish any sort of earnings disclosure or any distributor earnings statistics. So, we have to look at other sources.

You do find some salaries posted on Indeed from distributors, which claim to earn around £25k per year, but these stats don't give you the big picture.


On Indeed anyone can post their salaries, which is the reason there are so many different job titles listed above.

The problem with this is that it is not even close to being representative of the distributor sales force as a whole. This is particularly true when it comes to MLMs.

In an article published by The Guardian they break down distributor earnings pretty well. The article is a couple years old but there is no reason to believe the stats would change all that much. Here's what they found:

  • Commissions paid to distributors for the year was £21.1 million
  • There were 41,717 distributors total
  • This means the average earnings per distributor was £505 for the year

That's not too pretty of a number. Yes, they do provide incentive for veteran distributors to help out new distributors, and they do place a good deal of focus on enrolling customers rather than just recruiting... but the bottom line is that it is still a MLM and numbers like this are not atypical.

BUT... of course this number doesn't take into account all of the distributors that give up to early and just don't really try much.

The takeaway here: Don't fall for the hyped-up promotions of being able to live some extravagant dream life as a Utility Warehouse distributor.


The average rating on Trustpilot for Utility Warehouse is about 4 out of 5 stars... and this is with thousands of reviews left by customers and distributors alike.

trustpilot rating

So overall the company is well-liked. However, there are complaints.

Some of the complaints on Trustpilot that are actually worth bringing to attention include ones like that shown below, where a customer was pressured into signing up for UW services and experienced terrible reception with their mobile service...


There were also multiple complaints I came across similar to that shown below here, which is about being monthly prices skyrocketing without the consumer knowing...


And there are quite a few complaints about the broadband not being all that great of a service...


However, we don't know the stories behind these complaints so you have to take them with a grain of salt. 

For example, the AT&T mobile phone service is absolutely horrible where I live... but does this mean it sucks? Absolutely not... coverage just isn't that great in my area.

Some people complain about broadband, mobile, and their energy services... but the majority don't. Just keep this in mind because sometimes reading a bunch of complaints can be misleading in a negative way.

Pros v Cons

  • Provide good quality utility services that most people can save with
  • One bill for all your utilities
  • Business opportunity available
  • Far from being a pyramid scheme
  • Cheaper rates available elsewhere for some services offered
  • Broadband and mobile coverage might not be that great (would depend on your area just like it would with any provider)
  • Hard to make money with business opportunity due to MLM structure

Is Utility Warehouse a Scam?

The short answer is No. They are a legitimate company that provides legitimate services.

But then why are some people calling the place a scam? There are different reasons for this, some of the more notable ones being...

  • Pushy distributors getting people to join
  • Poor broadband and/or mobile coverage
  • Rising prices

With any MLM there will be pushy distributors that aren't ideal for the company image, but this just happens. And the poor broadband and/or mobile coverage, as mentioned, is going to depend on where you live but generally speaking they seem to provide good quality services in this area.

The complaints from people who claim to have had no idea that rates would go up are the only big concern here... but information about these complaints is lacking.

All in all, UW is far from being a scam.

Conclusion - Worth Joining?

Okay, so let's do a quick recap here.

Utility Warehouse Discount Club is one of the largest independent energy providers in the UK and provides a range of utilities, which customers can bundle together and potentially save decent amounts of money on. Additionally, they offer a business opportunity in which anyone can join the business as a distributor.

Now whether or not it is worth joining is completely dependent on what you are looking for. Are you looking to save money on your utilities? Or are you looking to earn money with your own home-based UW business?

If you are just looking to become a customer then it couldn't hurt to get a quote and see what you can save. But if you are looking into the business opportunity this is something you are going to want to think long and hard about.

Alternatively, if it is the home-based business opportunity you are interested in, then I'd suggest taking a look at what I do to make money from home... which is something I've been doing since 2015 and it works great.

Anyways... I hope you enjoyed this review and found it helpful.

Comments or questions? I like to hear back from my readers 🙂 Just leave them below...

Harvard Risk Management Corporation – Scam Opportunity?

Is Harvard Risk Management Corporation a scam?

People all over have been getting contacted by this company for sales positions, and this is a question that has been coming up quite a bit.

After doing a quick Google search you will find many people calling it everything from a SCAM that you should stay far away from to a "cleverly disguised pyramid scheme".

BUT, you do have some people claiming it's the real deal... and the fact that jobs with this company are usually advertised as requiring no experience is a big plus.

So is it a scam? Is it a good opportunity?

In this review I did a lot of digging around to get to the bottom of this somewhat shady looking opportunity.

Beware of the FAKE Job Postings

There have been job postings on Craigslist, people getting emailed about the opportunity where the recruiters supposedly "found my resume online" and are interested in hiring them.

There have been job postings on places like Flex Jobs...


... and I was also able to find a bunch of job postings on spammy looking job-boards like "Get Telecommuting Jobs" and "Get Customer Service Jobs"...


The reason I bring this up is because there is a good chance you came across a job posting or were contacted by someone trying to get you to join... BUT these job postings are often very misleading... as you will see.

What Is Harvard Risk Management Corporation?

Harvard Risk Management Corporation

Harvard Risk Management Corporation is a privately held employee benefits broker headquartered in Dallas, Texas. 

In a nutshell, they partner with other companies as a broker and help sell various insurances, legal plans, risk protection services and more. The company was started in 1993 by Mark Riches and originally only sold legal plans, but as since broadened their offerings.

According to the BBB's website, where Harvard Risk Management Corporation is accredited by the way, the company has been in business since the year 2000 (I know, the dates don't make sense). However, a quick WHOIS search shows that the website wasn't started until 2007.

Anyone can join the company as a member and have the opportunity to become an agent (aka "certified risk management consultant"), in which you can make money selling their products/services (which aren't really theirs of course). Currently they claim to have over 5,000 agents in the US, with agents in every major city.



Note: This job posting is also a bit misleading.


As a member of the HRMC you will have quite a few different products/services that you can sell to make money with, including:

  • Identity theft solutions
  • Legal access plans
  • Voluntary employee benefits
  • Document destruction and shredding
  • Pre-employee investigation and security services
  • Risk management consulting
  • Data break recovery services
  • Individual life & annuities
  • Retirement plans

But the two main product categories you will be dealing with are identity theft solutions and legal access plans. These are at the core of what HRCM offers.

Partner Companies

Remember, these products are not products of the HRMC themselves.

As mentioned, HRMC is a 3rd party broker... and they are currently partnered with the companies Legal Shield and Iron Mountain. The products come from these companies. When you join Harvard you have access to these companies' products/services which you are able to monetize 

Legal Shield - This company was originally founded in 1972 as Prepaid Legal. They provide on-call legal advice and counseling from qualified lawyers. Additionally, it provides a MLM business opportunity anyone can join to earn money selling their services and recruiting in new associates.

They also have a product called ID Shield, which is their ID theft protection service. This is one of the biggest products that members of HRMC sell and more information can be found at the website

Iron Mountain - This company provides data security and storage solutions. They are not a MLM opportunity and have a different kind of partnership with HRMC. 

HRMC originally started out just marketing Legal Shield legal plans but added life insurance plans to their portfolio in 2009 and partnered with Iron Mountain in 2012 to bring document destruction and shredding services. They were also partnered with OneCall Health Access to provide telemedicine services and Kroll to provide ID theft protection, but it appears they have done away with these partnerships.

The Business Opportunity

This is independent contractor work, meaning that you work on your own schedule without a boss.

The Legal Shield compensation plan is the main opportunity here, but the point of joining HRMC is to get all the training and tools they provide to help you get going. 

*Note: If you were to join Legal Shield directly you would still be provided with training, tools, and support... just not nearly as much.

Supplies, business cards, new agent training... you get all of this by joining through HRMC.

They have over 300 hours of video and audio training available along with a very helpful staff.

And because you are selling legal plans and such, some states will require that you are licensed, in which HRMC will help you with.

Cost to Join

There is no cost to join HRMC, but you will be encouraged to purchase an "Agent Start-up Package" (Basic, Standard, or Premium).

However, there is a cost to doing business even if you don't purchase one.

In order to join the Legal Shield business opportunity you normally have to purchase a Legal Shield customer plan yourself and pay a $149 enrollment fee to become an associate.

Legal Shield legal plans start at $24.95/mo.

However, since HRMC is partnered with Legal Shield as a broker, the cost may differ from if you were to just go sign up at Legal Shield directly.


There are no educational requirements or certificates needed to join, but there are some requirements when it comes to selling certain products/services, which will differ depending on where you live.

For example, if you join HRMC and want to sell legal plans (from LegalShield), you may need to be licensed. This depends on your state laws and HRMC can help you find out more on this.

Compensation Plan

Legal Shield's compensation plan is typical of a MLM. Associates are encouraged to sell legal and ID protection plans to customers as well as new associates, helping to build a team in which commissions can be earned from.

MLM stands for "multi-level marketing", and the "multi-level" part of it comes from recruiting in associates, which then recruit in other associates and so on...

*No, this is not an illegal pyramid scheme. You can learn the difference here.

HOWEVER, the way you get paid as a member of HRMC will differ from regular Legal Shield associates. This is because they are a broker of Legal Shield services.

That said, the basics of the comp plan are still the same:

  • Level Compensation - This consists of commissions paid on membership fees. It ranges from 12 - 16%
  • Advanced Compensation - These are commissions paid in advance based on how much a customer/associate will pay for the entire year.
  • Incentive Programs - Cash prizes and trips are also available through different incentive programs


Since you will be working as an independent contractor there is no salary. You will earn based on your performance.

How much can you actually earn? And how much do members actually earn?

The giant job board/job review site,, shows the average salaries for HRMC sales workers here:


[Source:] "Salary estimated from 737 employees, users, and past and present job advertisements on Indeed in the past 36 months."

*Note: Indeed gets its data from people posting their salaries and, as stated, from "job advertisements" which can be misleading as I will discuss.

Now if you do the math here, the average of all these salaries equals out to $69,933/yr. The only reason there are many different titles reported above is because these salaries come mainly from people posting how much they have earned... and while one person may consider their title as "salesperson" another worker for HRMC may call themselves a "sales consultant"... but it's all the same thing they are referring to, which is selling the products we talked about above.

Failure Rates

Considering that most participants who join MLM business opportunities actually lose money, as discussed in a post I wrote here, the salaries that people who work with HRMC are posting are pretty darn impressive. After all, the main revenue stream here is from the MLM Legal Shield, and according to their income disclosure:

  • Associates with 0 - 2 years of experience who made at least 1 sales earned an average of $504 in 2018
  • About 76% of all associates earned less than $1,000 in 2018

Legal Shield isn't too bad compared to others. Some estimates have been made that as much as 99% of people who get involved with MLMs lose money... yet the salaries from HRMC tell a different story.

This is likely due to 2 main reasons:

1) The Training that Harvard Risk Management Corporation Provides

One of the biggest benefits to joining HRMC is the training. It's like joining a separate community that gives you an extra boost, and it seems logical it would increase chances of success.

As we discussed, they have over 300 hours of video/audio training and a very supportive agent support team.

2) The Salaries Are Inaccurate

While most of the salaries posted are from sales reps posting what they have earned themselves, some of the data may come from job advertisements on Indeed... which causes a problem.

The problem is that job advertisements for HRMC are posted by sales reps looking to recruit new people onto their team (this is MLM, remember). This often brings about misleading earning representations to lure in new members... which is commonplace in the world of MLM recruitment.

So the real salaries may be lower than shown.

Member Reviews/Complaints

While you certainly can't trust everything you read on job review sites like Glassdoor, Indeed, etc... they do provide some valuable information at times.

Overall I've found that the reviews are positive, with both sites having average ratings of over 3.7 out of 5.

Glassdoor Rating

Glassdoor Rating

One thing that many of the positive reviews have in common is that they mention the training as being one of the main pros to HRMC, which I was expecting to see.


[Source: Glassdoor]


[Source: Glassdoor]


[Source: Indeed]

But of course not everyone likes this place and there are some complaints, such as this one left by a disappointed member who worked for months and didn't make any money...


*Note: This isn't HRMC's fault. It is just the way the Legal Shield compensation plan works.

There are also quite a few people who seem to be upset with the fake job postings and how members go about recruiting people in.

I was able to find this on the Anti MLM subReddit...

... along with a warning on the job search forum Better Jobs Faster that basically says the same thing...



Most Complaints Come from Misleading Recruitment Tactics and the MLM Part of It

Fake job postings are a problem with many MLM opportunities. 

The problem comes from associates, agents, consultants, whatever you want to call them, going out and trying to recruit people in underneath them via posting jobs on various job boards.

This often leads to people joining thinking that they will earn some salary like a "normal" job, but it is far from that.

Couple this with the fact that MLM's are typically extremely difficult to make money in and you have a recipe for future complaints.

Pros v Cons of Joining

  • Training and support
  • Flexible schedule
  • Legal Shield is not such a bad MLM (associates earn more than with most other MLMs)
  • 100% commission dependent
  • No health benefits
  • Can be a misleading opportunity

Is Harvard Risk Management Corporation a Scam?

No, this place is definitely not a scam, although you will find some people calling it one.

  • They are BBB accredited
  • They are a partnered broker of Legal Shield, ID Shield and Iron Mountain... all good and legitimate companies

There's really no good reason to call them a scam.

Just be aware that there are some misleading job ads for it, as discussed. These come from members of HRMC, not HRMC the company itself.

Final Thoughts - Should You Join?

Hopefully this review has given you a better understanding of how HRMC works and the opportunity they have.

The question of whether or not you should join this opportunity is completely up to you. MLMs, generally speaking, are horrible opportunities if you look at the statistics and failure rates, but with the extra training and support that HRMC provides you should have a better chance at making good money selling Legal Shield products and recruiting others in.

Overall I would say that HRMC is a pretty good company that holds itself to high standards. I started this review thinking I was going to be exposing some scam but have been pleasantly surprised.

However... it's still a MLM opportunity at its core. So you decide.

Another good option you may be interested in, if you aren't a fan of MLMs, is affiliate marketing. This is what I do to earn an online income. The good news: there is no recruitment and you keep all of your commissions, instead of passing them up to those above you.

If interested then I suggest taking a look at Wealthy Affiliate, which took me from $0 to over $6k/mo online.

Your Turn: What do you think of Harvard Risk Management Corporation? Are you a member? I would love to hear any comments/questions/feedback below 🙂

A Look at MLM Failure Rates – Yikes!

Thinking about joining that new MLM opportunity? You might want to rethink that after seeing these MLM failure rates.

Ahh, the mighty MLM opportunity. Portrayed as a way to achieve financial freedom. As a way to reach one's true potential. As a way to make boatloads of money and live life to the fullest.

Unfortunately the way they are portrayed isn't in-line with reality, which is why efforts are being made to warn people about the dangers of such opportunities by places like the anti-MLM community on Reddit, the Huff Post and even

To get a realistic look at the true failure rates that participants experience in MLM opportunities, continue reading...

What Is a MLM?

MLM, multi-level marketing, is a business model where, instead of selling products in stores, a company relies on an independent sales force to do the marketing and selling. They usually have no requirements to join other than to purchase products or some sort of "starter kit", and they usually have confusing compensation plans that are filled with glitz and glam (with a handful of ways to earn money), but they all boil down to provide participants with 2 main ways to earn:

  1. You can earn commissions via product sales
  2. You can earn commissions by recruiting in other participants and earning from their efforts

The recruitment side of the MLM is the upside and the downside. It gives participants more potential to earn big while building a team and leads to fast growth for the company, but it also makes the opportunity more difficult for most.

The lure is that you can work when you want and operate your home-based business on your own... hopefully achieving financial freedom in the process. But opportunities like this are often presented in misleading ways, portraying participants living "life without boundaries", such as ACN here...



... as well as living a life of fun, luxury, and fulfillment, such as this clip from Mary Kay's opportunity pitch...



But as you will see, fancy vacations and driving around in Cadillacs is something that very, very few people get to experience. 

Most people, by large, make very little money.

The Structure That Guarantees Failure

The very structure that MLMs have in place are what causes such disproportional earnings among participants, as we will get to next.

There are different types of MLM structures but they all are the same basic thing: you recruit people into the business, those people recruit people into the business, and so on... which causes the downline to branch out and grow larger the further down you go.

Of course there are sales quotas that must be met and other requirements, but let's focus on the "multi-level" part of multi-level marketing here.

mlm comp plans

From all these people in your "downline" you can earn commissions from... which usually come from products they personally buy or sales that they make.

At first take this may seem great.

Who wouldn't want the opportunity to build a large team by recruiting in new members... a large team that you can earn increasingly large amounts of money from, right?

It is great... IF YOU ARE AT THE TOP.

In any MLM business the money flows from the bottom to the top, which is great if you are at the top but not so much if you are at the bottom.

The people at the top earn extra commissions from the work of others while those at the bottom have potential commissions sucked away from them.

Think of it like this: XYZ business sells health drinks for $100 (a pretty realistic price). As a participant, you can earn a 25% commission, or $25, every time you sell a health drink. BUT... the company actually pays out 75% commissions... and the remaining 50% get's passed up to the sponsors above you. Now if there was no MLM structure, you could keep the entire 75% commission payment yourself.

Good for those on top. Bad for those on bottom.

The other problem is that there are guaranteed to be many more people on the bottom. The very structure ensures this.

Failure Rates & Income Disclosures


The numbers you are about to see are not pretty. In fact, they are downright disgusting.

According to a report by Jon M Taylor of Consumer Awareness Institute, 99% of participants in MLMs lose money. 

Yes, 99% is the claim.

This finding comes after the analysis of 350 MLMs, which includes all the big names.

While not every MLM provides income disclosures of the money that their participants make (probably because it is embarrasing!), some do to try to remain transparent. So let's take a look at some official income disclosures from popular MLMs.

*Note: A lot of times MLMs present their participants' earnings in misleading ways (no surprise here). But after you do the math and cut through the BS, here are some examples of what you will find:

  • In 2018, with 29,500 consultants at Mary Kay Cosmetics Ltd. in Canada, only 1,743 earned more than $100 in commissions for the year. That means only about 5.9% earned more than $100 for the entire year...
  • Team National's 2018 Earnings Disclosure shows that 75.3% of participants made an average of $0.30 for the entire year. You can't even buy a pack of gum with that amount! Less than 1% made enough to live off of.
  • A 2018 disclosure from the essential oils MLM giant Young Living shows that 88% of participants averaged $4 for the year and 7.9% averaged $261, which accounts for 95.9% of all participants...
  • doTERRA's 2018 earnings disclosure states that 62% of participants were at the entry level rank of Wellness Advocate, and only 53% of this group earned any commissions... for an average of $380.
  • Herbalife's 2018 earnings disclosure shows that only the top 1% of distributors who have been in the business for over 1 year were able to earn more than $14,270... meaning that 99% didn't even come close to making enough to live off of...
  • The 2018 earnings summary from Nu Skin states that the average made by "active" brand affiliates was $1,816.10... and this doesn't count those who fail to ever make it to "active" status in the first place.

From here the list goes on and on. Time and time again the earnings disclosures from MLM companies are disheartening. In fact, I have never seen a "good" earnings disclosure. Some may appear to be at first sight, but this is usually only due to confusing layouts and manipulated numbers--all in an attempt to hide the horrific truth that the overwhelming majority of people make very little money.

Forced to File for Bankruptcy

In some situations it can get so bad that participants are forced to file for bankruptcy, as we have seen with LuLaRoe.

According to the watchdog group Truth In Advertising, more than 100 LuLaRoe participants have filed for bankruptcy since 2016.

This is due to 2 things:

  1. As you have seen, earning good money is something that only the top few percent achieve.
  2. Participants can become so brainwashed by the marketing hype and flattery that they fail to see the truth, and continue to push forward, buying more products to move up the ranks and stay afloat... leading to ultimate failure.

Participants are often misled into believing they can make unrealistic amounts of money, which leads them to throw their entire lives into the business... in some cases leading to large amounts of bankruptcy filings.

How Are These Not Pyramid Schemes?

Pyramid schemes are illegal in just about every country. 

MLM's are often called pyramid schemes and illegal pyramid schemes are often disguised as legitimate MLM's, as the FTC warns.

What's the difference between a pyramid scheme and a MLM?

The difference is the sale of products to real customers, emphasis on "real".

A pyramid scheme can still have real products to sell, but are they selling to real customers? This is the question that needs to be answered.

Pyramid schemes will rely on recruitment of new members and their required purchases to bring in revenue, whereas a legitimate MLM will place more focus on actually selling products to real customers, customers who are buying products because they actually want them.

  • Both sell products
  • Both rely on recruitment of new members
  • Both have the same pyramid structure

It is where the revenue comes from that makes the big difference.

Does it stem from real customer sales? Or does it stem from new members being forced to purchase expensive product packages?

When The Lines Start Getting Blurred

The majority of MLM's force new members to purchase some kind of "starter kit", "starter pack" or something along these lines.

However, this isn't necessarily a bad thing. After all, these starter packs usually contain business materials and products that new recruits can use for promotion, which are much needed.

The lines between what is considered a MLM and an illegal pyramid scheme start to get blurry when starter kits become ridiculously expensive and overpriced, and when the company places increased emphasis on recruitment.

While this isn't a sure-sign of a pyramid scheme, a company that requires participants to make purchases on a regular basis in order to stay "active" is not a good look... and is more likely to have crossed that blurry line into the realm of illegality.

It happens all the time. Large MLM companies get hit with lawsuits for being pyramid schemes and are then forced to change up their operation to more legitimate means.

The video below details the situation with the popular health & wellness drink MLM called Vemma, which was charged as being a pyramid scheme in 2015...

To Join or Not to Join?

Not all MLMs are equal. Some opportunities aren't that bad while others are down-right horrible.

But the fact of the matter is that they are all MLMs, which all rely on some sort of pyramid structure that siphons money from the bottom to the top... making it a more difficult business for the majority of participants.

For this reason it is advised that you only join if you actually like the products. 

If you make a large purchase of essential oils or nutritional drinks, will you find good use for them if you fail to sell what you need to?

If not then you should either 1) Not join the MLM in the first place, or 2) Not order more than you can handle--the last thing you want is to take on more than you can handle and then be forced to file for bankruptcy like those selling LuLaRoe.

Stay safe out there and don't fall for the trickery of people trying to recruit you in--and if you want a home-based business that doesn't require recruitment and where you don't have to share commissions with people above you, why not try affiliate marketing? And why not get started with the top affiliate marketing training program the internet has ever seen, Wealthy Affiliate?

*Note: I joined Wealthy Affiliate back in 2015 and have since been able to turn my online business into a full-time income.

Can You Really Make Money With PartyLite? – REVIEW

The PartyLite opportunity is often presented as a way to live a flexible and rewarding life, but is it really all that great?

Can you really make good money selling PartyLite products?

You might have seen some of the photos or videos from events the company has held for their consultants, which make the opportunity appear larger than life...


But you can't fall for the hype with marketing like this, and in this article we'll be taking a look at how the business works, the compensation plan, cost to join, and how much consultants are actually making.

You are going to want to read this beforehand if you were considering joining.

What Is PartyLite?


PartyLite is a direct sales/MLM company that sells candles, fragrances, and accessories. 

The company has been around since 1973 but claims it's roots can be traced way back to 1909, when a school teacher named Mabel Baker began her first candle line in New England.

The company is based in Massachusetts, USA, but operates in a number of countries, such as Canada, Australia, Mexico, and a bunch in Europe.

They are a member of the DSA (Direct Selling Association) which helps to ensure they follow ethical guidelines, but they are not accredited by the BBB--not that this means all that much.

The Business Opportunity

Anyone can become a consultant for PartyLite, provided that they live in a country where the company operates.

Become a PartyLite Consultant

They use what I mentioned is a direct sales/MLM business model. This means that products are sold by an independent sales force rather than sold in retail stores... and it means that consultants can also make money by recruiting in other consultants and building teams.

The company encourages consultants to host parties to sell PartyLite products at, but you can sell them in different ways, such as through your replicated online store.

Cost to Join

To join PartyLite as a consultant you need products for demonstration purposes to make sales and you also need business tools. To get these you have 3 different options.


1. Sign Me Up Kit for $49 - This kit includes the essentials... a small amount of products for demonstration purposes along with business tools.

2. Quick Start Kit for $99 - This provides all the business essentials you need along with a variety of products, sampling tools, and literature.

3. Deluxe Starter Kit for $0 - This kit costs nothing up-front but the idea is that you will buy it to then host a party, which you will need to make at least $350 in sales from. This includes the most PartyLite products and also comes with sampling tools and literature.

Hosting your own party may sound like a free option, but if you want everything to go right it will certainly come at an expense. Of course you don't want a bunch of hungry guests or they will never buy your products.

PartyLite Products

Selling the PartyLite products is at the core of this business opportunity. Consultants can earn up to 32% of sales... so with this in mind, let's take a brief look at what all products this includes.


Candles are their main product and they have all sorts. Jar candles, 3-wick candles, tealight candles, pillar candles, LED candles, and many more.

They range in price from around $10 for small votive candles to $35 for nice jar candles. And they have some collections which are over $40.

PartyLite Candles

Flameless Fragrance

This category includes things like wax melts and warmers, fragrance sprays, fragrance sticks, car fresheners, and more.

The wax warmers are the more expensive items in this category and can get up to $55 in price, which could bring you a nice $17.6 commission.

PartyLite Flameless Fragrance

Home Styling

This category mostly includes a bunch of different kinds of holders, such as wax warmers and candle holders.

Here is where you will find some of your most expensive items, with some candle holders going up to $95 in price, meaning there is potential for a little over $30 commissions for each of these sold.

PartyLite Home Styling

Compensation Plan

The PartyLite compensation plan is very simple and straightforward, which is what I like to see. All too often MLM opportunities have comp plans that are confusing as all heck... but not here.

There are 3 main ranks within the company and a couple ways to earn. 

Here is how it all works. I'll explain in more detail below this...

PartyLite Compensation Plan

1. Consultant - This is what you start out as when you first join. You will be able to earn 25-32% commissions on the PartyLite products that you sell.

So for example, if you were to sell one of their signature 3-wick candles, such as the Apple Chai scent, you would earn between $6.75 - $8.64 in commissions since the original price is $27.


As a basic Consultant this is the only way to earn income... by selling products, which can be done in a number of ways (like hosting parties of course).

*Note: 25% is your base-commission on personal sales and a 6% bonus is added if you reach the monthly sales goal.

*Note #2: 25% + 6% = 31%, not 32% like they say you can earn. You don't have to be a math genius to figure this out... but this is the compensation plan as they tell us. So bear with me here.

2. Team Builder - You become a Team Builder when you recruit in 2 other consultants into the business. Here is where the MLM part of it starts to come into play.

At this point you will continue to earn 25 - 32% commissions on your personal sales, but you will also be rewarded with a one-time $200 product award.

3. Unit Leader - To make it to this point you will need to recruit in at least 4 others to join the business. Not only will you be able to earn increased commissions on your personal sales, of up to 38%, but you will also earn commissions from the sales that your unit makes, aka the people recruited in beneath you. You will make 7% commissions from their sales.

BUT... it doesn't end there.

​​The goal then is to get the people you recruited in to build their own teams and move up the ranks, and for the people on their teams to recruit even more people in... and so on.

So not only will you be able to earn from your team directly, but also from teams that branch off going down.


And the ranks don't end with Unit Leader. Above I went over the 3 core ranks, but there are others. The other leadership ranks that you can move up to include:

  • Senior Unit Leader
  • Group Leader
  • District Leader
  • Regional Leader
  • Regional Vice President

The video below from PartyLite provides an easy-to-follow overview of the comp plan (it doesn't talk about the higher leadership ranks however).

PartyLite Consultant Salary

PartyLite consultants don't earn fixed salaries because they are independent contractors. 

But how much do these consultants earn?

Well, on the website they tell use that you can "earn a few hundred dollars a month... or a few hundred thousand dollars a year!"...


Sounds pretty good based on what they say. I mean, who wouldn't want to earn a few hundred thousand dollars a year with their own home-based business, right?

And they also provide a chart that gives you an idea of how much you can make based on the amount of parties you host per week and the orders you get online...


But this still doesn't tell us much... so let's break down a sales scenario in an example...


If you recruit in 4 other consultants to make it to the rank of Unit Leader and you sell $3,000 in products during the month, you will earn:

  • 25% commissions on your personal sales = $750
  • 6% bonus commissions for reaching monthly sales level = $180
  • 7% commissions on personal and team sales (unit sales) = amount depends on team sales
  • Total = $930 + commissions from team sales

But that's a lot of work. You would have to average selling $100 of products per day to make this much at the rank of Unit Leader... and that will prove to be difficult to keep up with.

If you want to be one of the consultants that you see partying with the leaders at PartyLite and going on exotic vacations then you are going to have to climb up the ranks to the top, which means you will need to recruit, recruit, recruit... and get the teams beneath you to recruit as well.

But, of course there is always the problem that MLMs have which comes from their very structure... ensuring that only a small percentage of people can make it to the top.

99% of Participants "Lose Money"

This is the conclusion that Jon M. Taylor of the Consumer Awareness Institute came to after analyzing over 350 MLMs, which he published in a report titled MLM's Abysmal Numbers.

Unfortunately PartyLite does not provide any sort of earnings disclosure to give you a good idea of how much their consultants are actually making. But if we take a look at earnings disclosures for other well-known MLMs that exist, such as Mary Kay and Shaklee, it certainly doesn't look too pretty.

The pyramid structure of MLMs funnels commissions from the bottom, where most people are, to the top, where there is a small percentage of people. This makes it so that there is potential to really climb up the ladder and earn big income... but your chances of getting there are slim.

*Note: No, it's not a pyramid scheme. There is a difference between MLMs and pyramid schemes... legally speaking anyhow.

Conclusion - Worth Joining?

So can you really make money selling PartyLite? Absolutely.

But can you make good money selling PartyLite? 

Well, this is a much more complicated question. You can, but it will not be easy.

MLMs have extremely high failure rates which is why I'm not the biggest fan of them, but if you do really enjoy what PartyLite offers, you really enjoy their products, then who am I to stop you?

One thing that I can say I really like about this company is that they bring good quality products to the table and don't focus too much on making money. They aren't out there just to make a quick buck like some of the MLMs you see pop up with compensation plans that are needlessly complicated.

So anyways... hopefully this post gave you a realistic view of what the PartyLite opportunity is like so that you can make a more informed decision on whether or not it's right for you.

Leave any comments/questions below. I like to hear back from my readers 🙂

And before you go: There are lots of home-based business opportunities out there. If you want to see how I've been generating an income online you can find out here.

8 Ways to Make More Money with HempWorx

The most recent HempWorx affiliate earnings disclosure is pretty dismal, with over 95% earning much less than $1,000 per year. 

This is largely due to the difficulties of the MLM industry (which we'll talk more about soon), but also due to the fact that a lot of affiliates aren't doing the 8 things we'll discuss here now... 8 ways to make MORE MONEY with HempWorx.

What Is HempWorx?


Assuming that you probably already know this, we'll keep it short.

HempWorx is a product line by the MyDailyChoice company that consists of CBD products, and was just launched in 2017.

Products are not sold in stores. Instead, the company relies on independent representatives (affiliates) to run around doing the selling. Affiliates also have the ability to recruit in other affiliates, build 'teams', and earn commissions from the efforts of those beneath them.

In a nutshell this is a CBD direct sales/MLM opportunity in which affiliates can earn money in 2 ways:

  1. By selling products
  2. By recruiting in other affiliates who buy and sell products

But here we aren't going to be talking about the super obvious like how you should recruit more people in or sell more products to make more money. Here are 8 ways to earn more with HempWorx that aren't quite as well-known...

8 Ways to Increase Your HempWorx Earnings

1) Use The Products Yourself

It will be hard to sell HempWorks products or the opportunity if you yourself don't even believe in what they sell.

You may be a naturally good BSer and have a knack for sales, but there is no substitute for genuinely loving what you sell.

Using the products for yourself will allow you to make a much more personal sales pitch to potential customers. You will eventually have some personal experiences to share (hopefully good ones) and in a modern world where technology has brought about a marketing system that seems to be massively impersonal at times, this is what people want.

And besides, if you aren't using the products then what are you doing with HempWorx anyhow? There are other MLM choices out there..

2) Know The Science Behind It

Again, you may be a naturally good BSer and you may be able to hype up a product without really saying much of anything. That is great and all, but you could do a lot better if you took a bit of time to know some of the science behind the HempWorx lineup and CBD in general.

CBD is all the rage nowadays and has many claimed health benefits, some of the most well proven being a treatment for epilepsy, anxiety, depression, and insomnia.

Adding in something like "In a 2019 study of CBD's affects on anxiety and sleep, it was shown to improve sleep in 66.7% of patients and decrease anxiety in 79.2%"... would sound a lot better than just saying... "it's good for sleep and anxiety". And this study is true by the way.

It would also be helpful to know the science so that you don't spread misinformation. Because of all the hype surrounding this new emerging industry there is a heck of a lot of misinformation being thrown out there... which isn't true.

And you should definitely know what CBD is! There of course are going to be people who, because it comes from the cannabis plant, have the wrong impression of it.

3) Know Everything About The Products

Study the products, get to know them. Know what they look like, taste like, feel like... well maybe not all of that... but you need to get to know them.

Know exactly what they are used for, how they are taken or applied, different concentrations and flavors, etc. 

And know what products go together. If someone buys the Hemp-Infused Coffee then the Keto Coffee Creamer can be an easy additional sale to double your revenue.

HempWorx coffee and creamer

This should be a given, but it's surprising the number of people selling products when they don't really have much clue of what they are selling. Don't be one of these people.

4) Recruit Business-Minded People

With the MLM structure that HempWorx has in place it is paramount that you recruit other distributors in if you want to take full advantage of the compensation plan. This is how you move up the ranks and this is how you get leverage on your side.

But don't waste your time trying to recruit everyone that is willing to listen to you. There are a lot of young people more than enthusiastic about the CBD movement, but might not make the best people for your 'team'.

You want people who are serious and who will help you expand your "team", aka downline. You want people who are just as motivated as you are.

In our post on ways to get local MLM leads we mentioned going to real-estate seminars, law of attraction events and things like this. 


Because you often meet business-minded individuals at events like these that are serious about taking full advantage of opportunities like this.

5) Take Full Advantage of Online and Offline Sales

Some people are more old-school and will want to run their business face to face, selling products directly to customers and recruiting people in directly. Other people try to do everything online, both the recruiting and selling.

While it is possible to choose either of these methods, it is definitely recommended to take advantage of both.

You get your own replicated HempWorx website with lead capture pages, pre-made autoresponder emails and more. Take advantage of this and advantage of the fact that online you can reach people all over the world without ever leaving your chair.

And never underestimate the power of the old-school approach, which is equally as important. Doing business in the real world, face to face, gives you more power to create personal connections and lasting relationships... which can help build a stronger team. And while the HempWorx company does provide online training, being present and helping out new recruits in physical form can make a difference.

6) Deduct Your Expenses

Let us not forget that you are considered an independent contractor (self-employed) with a business like this and that you can deduct your expenses come tax time with the IRS 1099 form.

The one-time affiliate enrollment fee of $20 is an obvious deduction along with any starter pack you order.

If you would go all-out and order the Executive Pack for $599 you might use the products that come with it yourself... but it seems this could still be a deductible business expense since you are using them with the purpose of getting to know your products of course... but I'm no tax professional.

Other expenses could include:

  • Home office space
  • Cell phone
  • Supplies (pens, paper, ink, giant billboards, etc.)
  • Car expenses (driving to meet people and so on)
  • Health insurance if this is your main job
  • Conferences
  • Educational expenses if you feel like taking a course to learn more about some aspect of the business

Here is a good list of some top deductions we found online that will give you some other ideas. 

7) Don't Be Too 'Salesy'

Image by CloudTask

No one likes that annoying salesperson that won't give up trying to sell something that you have no interest in. We've all had experiences with these types of people at one point or another.

Salesy salespeople are becoming more and more a thing of the past, as sales methods are improving and data is showing better results from less in-your-face approaches.

There is hard-selling and soft-selling.

Hard-selling is when you jump straight to the point with your sales pitch... you let the person know what you are selling that they instantly know they are being sold to. It is aggressive. Soft-selling on the other hand is more indirect and has more focus on building trust and a relationship before closing a sale.

Of course a sale is the end goal, but try to get away from thinking about making sales constantly. Focus on helping people, whether that be with some health problem that CBD can help with or with the opportunity of a home-based HempWorx business. Focus on helping first and go for a soft-selling approach, which most people who have tried it will say works better.

8) Treat It Like a Job

The insanely high failure rates of participants in MLMs, which was estimated as being as much as 99% by a study of 350 MLMs by the Consumer Awareness Institute, can be a bit misleading. 

No one doubts that MLM failure rates are high, but how much are these statistics skewed by people who don't fail... but rather just quit too early and Peter out?

Running your own home-based business has its advantages. There is no commute, more flexibility, no boss breathing down your neck... but it can be difficult to stay motivated and keep on track.

If you are serious about making money with HempWorx then treat it like a job, not just something that you might or might not have time for today.

A lot of new affiliates work other jobs and what not, and you might be one of them. But try to take and schedule a piece of your day where you can dedicate to the business.

So take the time to go to that local meeting. Take time to set up that Adwords campaign. Take the time to help train a new recruit. Of course without putting in the time the results won't come.

Set goals, make a schedule and write it down... and then put this schedule somewhere you will actually see it so that you don't forget. Make it a habit to put in the work.

One of the keys to forming a habit is to make it as easy as possible on yourself. So for example, if you want to create a good habit of eating breakfast then you can prepare it the night before, so that it is easier to eat in the morning when you are tired. Or if you want to make a habit of working out in the mornings you can sleep in your exercise clothing, which means one less thing to hold you back in your normal half-asleep morning state. (tips from Shawn Achor's great book The Happiness Advantage)


Being successful with the HempWorx opportunity, or any MLM for that matter, takes someone who knows the products and believes in what they are selling, knows who to recruit and who might be a waste of time, and takes the business seriously.

Many of these 8 tips seem like they might be common sense, but most people don't do this stuff... and if you do you can increase your chances of good earnings.

But at the end of the day you are still at the mercy of the MLM pyramid business model, which unfortunately favors a small percentage of people due to its structure and how people high-up receive kickbacks (commissions) form affiliates multiple levels down below. This pretty much ensures the high failure rates that we often see.

The HempWorx compensation plan has Leadership Check Matching that pays down 10 levels...


They have Binary Commissions where you can earn even further into your downline...


And they have other ways to earn that are based around the MLM pyramid structure... which is good if you are sitting pretty at the top, but not so good if you are one of the majority at the bottom.

There are many reasons why people who get involved in MLMs fail and the very structure of the business model is undoubtedly one of the main reasons, which is why here at Legendary Wallet we promote affiliate marketing and recommend the Wealthy Affiliate training program to get started, as this requires no recruitment and you keep all your commissions. 

Now it's your turn: Do you have any tips for HempWorx affiliates to increase their earnings? Let us know in the comment section below...

We like to hear back from our readers 🙂

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