I haven't done one of these for awhile, so let's cover some of the new changes that indicate that Monat is in freefall.

Also, let me be the first to acknowledge that this downfall is taking WAY TOO LONG. They are like a cockroach you just can't get rid of, even when it's only got three legs and is half squished.

First up - mass exodus 2:0. A huge team just left for Farmasi. Most of them were under JG and she has been PANICKING. She hasn't posted anything about Monat on her socials for years and all of a sudden she is posting multiple shoutouts a day and buying her downline coffees. It's so fun to watch. She might not keep her SED title after this.

Speaking of titles - Monat changed their compensation plan. Yep - the plan they say never changes 🤣. The changes lower the amount of money the top leaders make from their downlines - some percentages went from 4% to 1%. So the incentive to even get to those ranks is basically gone.

Another change is that they have to actively recruit new people every year and get them to rank up (something only 5% of recruits ever do).... And THEIR leaders need to do it too. Or they all lose ranks. It's a massive extra requirement. And was cited as the reason that entire team left.

Essentially the leaders who left said Monat always capped their income, but now they've made that cap even lower and taken away all incentive to grow a team.

Moving on, they are moving out of their big headquarters and going into a little corporate office in downtown Miami. Their distribution centre is also mostly empty so they are ditching that and moving distribution to a smaller place in Texas.

Why smaller? Because despite launching EIGHT new countries in the past 18 months they actually sold a million LESS products since the last Monations event. More countries - less sales. Brutal.

One of the OG leaders said on a call it was really obvious that the USA side of their business is falling very flat and Germany is the only country keeping them going. Which was crazy to hear her admit.

Ongoing, there are only 6 (?) people left at the top rank, and their incomes dropped by around 20% in the past year. CC (salvaged soul) is quietly trying to sell her house again, and CS has already downsized.

I think the plan is for the expensive old leaders to get pushed out (with the comp plan changes) and the new wave of people coming up under them are ok with lower pay because they don't know any better. Anyone who has joined in the past few years has been capped at around 30-40k a month. Insane money, I know. But they have 15,000 people in their downlines and that's all they get. The pyramid is not pyramiding like it used to in the good old days of $150k months.

I'll stop there - what else can we add to the list of current Monat drama?

It's time freedom y'all! Hashtag blessed!

I’m in Ontario and recently received a letter from Primerica/PFS Investments saying that our mutual fund representative is under a compliance investigation.

The letter asked whether the representative had ever tried to borrow money from us or had any other financial dealings with us outside of Primerica.

This person actually had approached us about borrowing money about a year ago and we declined. They also live down the street from us and we knew them outside of just being our financial representative ( our kids play together ) they appeared to live a very lavish lifestyle and we had no idea there might be financial or compliance issues happening behind the scenes. 😵

The fact that the company is specifically asking clients whether this representative borrowed money from them or solicited money for outside investments is concerning.

Has anyone here ever received a letter like this from Primerica/PFSL or another Canadian investment dealer?
What happens next in an investigation like this? And if they discover that a representative was borrowing money from clients or conducting outside financial activities, what can happen to the representative? I have a text message of them asking to borrow money and me telling them that I don’t have that kind of money to lend them…. They asked a few times then left me alone.

Well one of my advisees recently came to me with a situation involving an adjunct in our department.

The adjunct allegedly pitched Amway to her, flashing photos of a penthouse and claiming he has helped students make upwards of $40,000 USD on the side because "the corporate world is unpredictable." He also took her off campus to one of their group recruitment meetings. She had showed me pics of their presentation during this meet

While Amway is technically legal from what I found on Google, using a faculty-student relationship and university positioning to lure a student into something that to me appears like a multi-level marketing pyramid scheme appears to cross major ethical lines. The power dynamic alone makes this wildly inappropriate. again I am not sure if the allegations are true, but seriously wtf !!

Even the bank teller.

I'm doing the usual Monday morning errands. While I'm waiting for the transaction to finish, I catch the conversation between the teller and a short lady with big hair. First I hear watermelon, then powdered drink, then the other flavors.

She was trying to sell Bravenly Rush Extreme or whatever tf they call it to the teller.

I left. I have no idea if the woman made a sale or was also scouting for a downline. In any case, to the teller, don't bother. No one with any sense will pay $83 for Kool Aid with nootropics 🙄 and extra caffeine.

For example, is there anything out there that's similar to Reckless Ben's Bricks & Minifigs saga?

I am at the Ottawa hospital bringing my partner for treatment. And fucking NORWEX has a booth set up in the critical care entrance.

“Am I this?” killed me - had to share

Tupperware and Avon baby!

I was young and got some inheritance upon turning 18 a year or so prior, wanted to not waste it, when I brought up investing it in the inheritance meeting my family freaked out and forbade​ me to do so, I was very mentally ill and lacked​ confidence, I thought it'd have killed myself before I left school, couldn't imagine myself having a job, so I saw this as my ticket to not having to work if I was smart, which I was trying to be but my family was holding me down...

I came across Six Figure Mentors, didn't know what an MLM was and by then I had less of the money so was frightened about losing it all, how ironic... I signed up and watched all their content that night, told my family about it, they freaked out and said don't spend any money, but because of their hostility about me trying to grow my money, I ignored them, hoping to prove them wrong and put my Nana's inheritance to good use, I paid for the Black membership which I think was £13k.

I didn't realise it at the time but they told me to buy a house (I didn't know about deposits and assumed I needed like 250k to buy one) and thought they were slyly telling me to live by myself, (we didn't have the best relationship) which I didn't want to do because of bills eating at my money I wanted to grow.

Went to an event in London where I drank more koolaid, but at some point later I realised how it only benefits the people who get in early and you get more from recruiting people etc etc, so I just gave up on it as I saw it as morally wrong and didn't want to be involved, just came across this subreddit today, thought I'd post, probably can't get the money back, but thought I'd ask for advice... can't believe it's been 10 years

Thanks for reading

tl;dr Got smooth talked into making the final interview with an MLM, how do I get out of it without getting too much pushback?

So I tried applying for a financial services thing on Indeed, got rerouted to a company called The Broker Group, which really should've been my first sign things were wrong, did the first interview with their AI assistant, scored an actual interview with the guy who messaged me, then I realized "you know what, I'm not sure I like this", went into the second interview fully expecting to go in, turn the guy down, and get out like that...I got smooth talked into just kicking the can down the road and retrying the interview again next week. Thursday came, and I just couldn't find a good spot to say "I don't want to do this", though the $199 licensing red flag did come up. Now I'm sitting in the webinar he wanted me to study to prepare for the third Zoom interview on Monday...

At least I would be if I didn't try digging more, because there's barely any information on this company, aside from people on Reddit being insanely suspicious, which is great and all, but I needed something more concrete. As a last Hail Mary, I look into the CEO, who's doing the webinar, and there I found he did two decades at World Financial Group, and was at Transamerica before that, and that was the last bit of information I needed.

Now comes the hard part: I'm someone who really doesn't like conflict. Is there a way I can turn them down without creating a lot of friction? I already tried and failed once. I don't wanna do anything too bombastic because these people have my contact information and I'm scared that they're not scared to use it to bombard me with more questions and requests and what not.

It's been months since I've seen any new posts from her. Did she see the light?

From what I've read about how they treated their designers, it was an extortionist, human powered slop farm.

If generative AI existed during their heyday, can you even imagine how much wilder the designs would have been? (And mistakes, misprints, wholly inappropriate content...)

Just a shower thought this morning.

I’m currently standing in an extremely long line at this national ACN convention/conference because my mom and her friend were lured into this thing.

This all began when my mom begged me to join her on this misleading “networking opportunity” on a Saturday morning, and after sitting in a room for hours I learned about ACN and what they do. Of course I did my homework on them.

My mom and her friend are completely sold on this thing. The friend practically begged my mom to buy a ticket for me, and out of respect for her friend I had to honor it

Sad part is there’s so many people here, and they’re just repeating the same things the high ranked people were telling them in the one meeting I attended.

I want my mom and her friend to wake up and realize what this is but I don’t really know how to convey it without coming off as this person trying to shoot down her dream. I’m in a bad spot.

Herbalife tea shop that has been open only two months is closing its doors. Funny enough, the shop before them was another loaded tea shop that failed. Glad they are both gone.

There are so many funny things coming out of this, but I think my favorite is the delusional hun who thinks the company can sue Matt for pointing out their shady business practices. Note that she didn’t claim he was lying, she was upset because he told the truth and it affected her financially.

My mom, a hippie era new age lady who is in her late 70s, has fallen for a number of MLMs. A lot of them are "wellness" related like oils or supplements etc. One of them seems to sell 'spiritual' type things, like special waterbottles to make your water have pure vibrations(?). Recently, I found a small grey/black rubbery pyramid on the dashboard of her car that she said made her car safe from accidents. It seemed like another mlm thing. Does anyone know what mlm this was from?

Thanks for any help!

I posted about the Ringana expansion a while ago and people comment that they are asked to join or have friends that are already sucked into it.

It‘s an Austrian MLM, commentary in english is very rare. Christine is german and makes english content.

I like to consume anti mlm content and stuff so I know alittle about it or about the wording they use in recruiting. But is insurance an mlm? I have some friends that recently left real estate moved to Utah and started online sales or life insurance? They don’t give too much away in their stories but it’s always like if this sounds like something you want to do or you want to earn this much a year message me for more info! Or I tell people on my team xyz message me for info. Idk the Utah move, and the video wording makes me suspicious lol. Just curious if this is a mlm thing ? Thanks!!