Lazy Man and Money

No, Your MLM Health Product Doesn’t “Work.”

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Stop MLM

[Today we’re continuing to celebrate National Consumer Protection Week with more MLM scam awareness via an article from the past. The FTC has some good advice on MLMs from its recent consumer warnings, “Most people who join MLMs make little or no money. And, if promoters emphasize recruiting as the real way to make money, walk away.”]

I write today’s article in response to the thousands and thousands of comments that I’ve gotten from multi-level marketing (MLM) distributors for various products who make the claim that their products helped with such and such medical condition. Some of these include Le-Vel Thrive, DoTerra Essential Oils, It Works, Enagic Kangen Water, Youngevity, ASEA, Plexus, and Beachbody Shakeology. Those are just the companies/products that are still around.

Some of the popular MLMs that have disappeared are: MonaVie, Jusuru, Nerium, Vemma.

As you can tell, I wrote some in-depth reviews on all those companies/products. I think those are about half of the MLMs that I’ve covered in detail on this blog. Over the last 5 years I stopped covering MLMs for 4 reasons:

  1. They are all 99% the same – Health MLMs copy what makes sales from each other and below can be seen as their marketing blueprint. Once you debunked a dozen of the same scams, it gets kind of boring.
  2. I had two wonderful boys who deserve my time.
  3. I got bored with winning defamation lawsuits. Four companies spent over 2 million dollars in lawyers and court fees. It creates a lot of work and time.
  4. Great organizations like Truth in Advertsing are now around to fill the need.

As Dr. Jonny Bowden has written:

“New Rules: No More Claiming Mona Vie Cures Cancer!

Nor, for that matter, AIDS. Nor lupus, GERD, acne, age spots, arthritis, a balding scalp or sagging libido.

Nope. Sorry.

And lest you think I’m picking on poor MonaVie, the same is true of Xango, Mangosteen, Xocai, Tahitian Noni, and all the other ridiculously overpriced and oversold juices promoted by scientifically illiterate multi-level marketing ‘distributors’ who repeat these claims with the sincerity and earnestness of a Kucinich volunteer.”

Dr. Bowden isn’t alone in citing that these testimonials are bunk. Neil DeGrasse Tyson, perhaps best known for the popular Cosmos show, says such testimonials are “the worst form of evidence that you could possibly bring forth.” The key quote begins around the 1:50 mark, but you should invest the 6 minutes to watch the whole video.



Having received thousands of testimonials like Dr. Bowden mentioned and documented them on this site, I think it is safe to say that the people making these claims are typically those who are scientifically illiterate. They don’t offer up the clinical trials that measure the efficacy of the products. The companies themselves never put together large-scale clinical trials to prove their products are safe and effective. They rely on the “worst form of evidence”, testimonies because the scientific process in place would expose the products as ineffective.

Dr. Bowden wrote that article before the aforementioned Jusuru and Asea were around.

When you include the products that Bowden mentioned, we have 8 products that are all reportedly able to cure or aid with almost every condition known to mankind. I’ll add Xowii, Zrii, and Nopalea to round out to an even dozen. Though some of them have overlapping exotic ingredients like acai, there is no single ingredient common to all of them that could provide a reasonable explanation of healing benefits. Additionally, other products with the same exotic ingredients such as Sambazon (which has organic acai) that are sold through traditional retailers have no reported healing benefits. These 12 products only have three things in common (that I can see): they are digested, they are all sold via MLM, they are all extremely expensive. In addition, each company (I think) has hired a doctor (or a scientific advisory board) to endorse their product, which is something you don’t find with Ocean Spray (a juice like MonaVie, Jusuru) or your standard multi-vitamin (similar to some Youngevity products).

Clearly, the only logical conclusion is that selling a product via MLM bestows some magical properties allowing it to cure nearly anything or everything. Wait that isn’t logical, is it? Well, I can’t think of any other reasons for the claims… or can I?

What’s Behind All These MLM Health Claims

There are a number of factors at play with these claims:

  • The Placebo Effect – This provides the most obvious answer as to why people feel these products help them. The American Cancer Society says that placebos have an effect in 1 of 3 people. Here’s a great 3-minute video illustrating The Strange Powers of the Placebo Effect. This alone explains why people report a product with no known therapeutic value “works”:



    Update: Actually I like this short video better:

    Need a little more convincing? Here’s Dove’s Real Beauty Patches campaign that has 20 million views:

    Note: It looks like Dove took down the original video at https://www.youtube.com/watch?v=EGDMXvdwN5c. Maybe the campaign ended, I found another version of the video here:

    While the product seemed to be effective to the women using it, it had no therapeutic ingredients at all. There’s not really a difference between an MLM miracle cure and this Dove patch. Both have testimonials of people swearing that it works. Neither has the large-scale clinical trials to convince the FDA that the product has a therapeutic effect.

    In Time’s review of the campaign, the author says: “I just can’t believe the thinly-veiled marketing ruse that there is a patch that can make us more beautiful. It makes women seem too gullible, too desperate, and overall helpless against the all-knowing master manipulators at Unilever.”

    Imagine what happens when the product is a juice or a pill and pitched for some internal medical condition. It’s much more believable than Dove’s patch, which gives you an understanding of the master manipulators of MLM.

    Some people try to claim that the placebo effect can’t possibly be a factor because they didn’t believe it would help them. Research shows that even if you know you are taking a sugar pill with no active ingredients, it can make you feel better. So if you find yourself feeling better, you might just want to go to a local CVS and buy the cheapest you can find, maybe a low-dose of vitamin C.

    However, it’s worth understanding that it is well-known and well-researched that Vitamin Supplements Don’t Provide Health Benefits. Of course we knew that studies confirm that you shouldn’t waste money on vitamins for years.

    Need still more evidence of the placebo effect? It seems that 20% of people can “hear” this silent gif:

  • Spontaneous Improvement Regardless of Intervention – Sometimes things get better over time even without intervention. Many distributors are subject to drawing a causation between taking a product and the condition getting better when no such causation exists. The Latin for this fallacy is Post hoc ergo propter hoc, which means “after this, therefore because of this.” This is sometimes referred to as the “Rooster Syndrome”; “believing that the rooster’s crowing causes the sun to rise.”
  • Observer-Expectancy Effect – Since the products are usually pitched with the health claims, one taking the product may have this expectation.
  • Conscious Deception – Let’s call a spade a spade. It’s very difficult to convince people to buy $40 bottles of juice when they are used to spending $3 for juice. One of the easiest ways to close this gap is to pitch the product as an alternative to costlier medicines. I’m not saying that every MLM distributor is dishonest, but let’s agree that some are. What percentage? It’s impossible to say.
  • Price-Placebo Effect – As the Washington Post reported, people who were able to buy identical energy drinks at different prices showed very significant differences in unscrambling words. Even though the researchers made clear that the drinks were identical, those paying more had better performance. The researchers concluded, “The price-placebo effect comes from the fact that you form this global belief that low price equals low quality.” The article also showed, “A wine connoisseur who pays extra feels different from someone who pays less for the same bottle of wine because the larger financial investment increases the motivation to be satisfied.”

    In addition, the LA Times reports ‘Expensive’ placebos work better than ‘cheap’ ones, study finds. An interesting quote:

    “Instead of testing a placebo against an actual drug, they pitted two placebos against each other. The only difference between the two sham treatments was their purported price.”

    So this study shows a direct correlation as to why even a non-salesman, product-user of MLM products could be convinced that the products “work” while even people using known “sham treatments” would report the same.

    Thus when I show that Youngevity products’ prices are 4 times Amazon’s for nearly equivalent nutrition, I get a response from distributors that they “feel” the difference. Let’s go back to the placebo video above (this one). It notes that paying more for a product makes the placebo effect stronger. That’s proof positive that there’s an additive effect to these points.

  • GroupThink – Unless you’ve taken a psychology class or two, you may never have heard this term before. Wikipedia explains it:

    “Groupthink is a psychological phenomenon that occurs within a group of people, in which the desire for harmony or conformity in the group results in an incorrect or deviant decision-making outcome. Group members try to minimize conflict and reach a consensus decision without critical evaluation of alternative ideas or viewpoints, and by isolating themselves from outside influences.

    Loyalty to the group requires individuals to avoid raising controversial issues or alternative solutions, and there is a loss of individual creativity, uniqueness, and independent thinking. The dysfunctional group dynamics of the ‘ingroup’ produces an ‘illusion of invulnerability (an inflated certainty that the right decision has been made). Thus the ‘ingroup’ significantly overrates their own abilities in decision-making, and significantly underrates the abilities of their opponents (the ‘outgroup’).”

    In addition Abraham Maslow’s Hierarchy of Needs, puts Belongingness amongst his 8 basic needs of humans.

    Both of these dynamics come into play with MLM as GroupThink inhibits the ability to analyze the opportunity. In fact, MLM proponents often suggest that people can “plug into the system” removing all individual creativity, uniqueness, and independent thinking. MonaVie has used GroupThink to send its distributors a message of “you are either with us or against us” and tell them to unfriend distributors from social networks who have moved on to other companies.

    I’m reminded of the Funny or Die demonstration of how students tricked into drinking nonalcoholic beer exhibited drunk behavior:

    Groupthink at its finest, right?

  • Social Proof From a Trusted Friend – Many of these products are introduced by a friend or family, who are often quite zealous about the product and the “business opportunity.” This enthusiasm coming from a trusted source creates an obvious motivation for wanting the product to “work.”
  • Cognitive dissonance – Cognitive dissonance can be thought of a person altering reality to fit his/her perception. Specifically, the Wikipedia article claims, “After someone has performed dissonant behavior, they may find external consonant elements. A snake oil salesman may find a justification for promoting falsehoods (e.g. large personal gain), but may otherwise need to change his views about the falsehoods themselves.”

    This is the same kind of phenomenon that is found in those predicting the world is going to end, except at least with those people there is a clear expiration on their erroneous belief… when the world doesn’t end. Unfortunately, with MLM health products, there is no clear and obvious end-result that can be pointed to.

Any of the above by themselves would explain the testimonials. However, when you combine them all together, the result of the testimonials is of little surprise. We humans in general are an optimistic bunch and we all want to believe that these products are the solution to our health and financial security for not only us but our friends (by sharing the “opportunity” with them). To use the Washington Post’s words, “our motivation to be satisfied” is significantly increased by the business opportunity and our desire to help our loved ones.

Let’s run some numbers. If the placebo effect is responsible for 1 in 3 people making a claim the MLM products work, what about all the above additional factors layered onto that? I’m going to speculate that pushes it to 60%, perhaps even higher. I admit this is speculation, but I don’t have a research lab and wouldn’t know how to really conduct an accurate experiment combining all these factors. If an MLM gets 10,000 people to try the product, that’s 6,000 people who are going to come away with a positive experience. The other 4,000 will move on with their lives and probably never mention the product again. A good percentage of the 6,000 will join the MLM to make money and spread the word that the products “work.” They explain away the 4,000 by saying something to the effect of “Everyone’s different and nothing works on everyone.” In actuality, the products haven’t been shown to work for anyone.

(And if my speculation of 60% (due to the factors above) is off, the placebo effect alone still counts for 3,333 people thinking it worked and another 6,667 that continued on with their lives never thinking about the product again.)

Nonetheless, that’s where you get thousands of testimonials for any number of unrelated medical conditions across any number of unrelated products that are all sold via the same MLM distribution method. Maybe it’s just me, but I find it a better explanation than, “Whenever a product is delivered via MLM the product gets bestowed with magical healing powers.”

For these reasons, it really is best to avoid the “Just Try Our ‘Product X!'” pitch when it comes to MLM products. You don’t have the time or the money to try all the health products in the world anyway.

It’s easy for distributors to ignore the fact that if any the products worked as promised, the companies would get their products approved as treatments for such medical conditions and make billions of dollars. Many MLM distributors falsely say that such claims can’t be about supplements, but when supplements work, the FDA allows claims to be made. You don’t have to look any further than calcium and vitamin D which have been shown to help with osteoporosis.

The Appeal to Good Health

Each of the companies that I mentioned makes an appeal that it will make you healthier. Since everyone has a vested interest in their own good health, it is an easy sales pitch to make. There are plenty of news reports citing promising supplement studies, which makes some of the products seem credible. The news rarely reports on the subsequent studies that show that the supplements don’t work. Something “not” working isn’t news and doesn’t bring in high ratings by giving people hope. This NY Times article covers this phenomenon well.

It turns out that there’s extensive evidence in studies involving millions of people that you shouldn’t waste your money on supplements. If you think this article is thorough, I implore you to read that one as I think it is just as thorough.

Still, people seem to ignore it and go with anecdotal evidence instead. That kind of evidence can go both ways though. Here’s a Slate article from someone who grew up doing all the healthy things, but didn’t get vaccinated. The result was that she was sick all the time. The article even makes the point that it is anecdotal and decisions shouldn’t be based on it, yet that’s what people are doing with these MLM products all the time. If you took away the anecdotes from all the reasons above, you’d have a product that no one would buy at the exorbitant price points… unless as part of some kind of misleading business opportunity such as the MLM ones that the FTC describes here.

What is “working”?

You may have noticed I put “working” in quotes throughout this article. That’s because that’s the magic word distributors use when leaving comments on my site. “MonaVie works” and “Youngevity works”, etc. The interesting thing is that there is no consistent definition of what constitutes “working” with these products. I often ask them what clinical effectiveness research is behind the product, because as PubMed says:

“Clinical effectiveness research finds answers to the question ‘What works?’ in medical and health care.”

None of the products that I’ve mentioned have clinical effectiveness research to say that it “works” for any medical condition.

But As Long As People Feel Better It’s All Good, Right?

A first glance this appears to make sense. Many supporters of MLMs have said, “Who cares as long as people feel better?”

There are at least three things wrong with this line of thinking:

  • The Economics – What about the people who are paying an expensive price who don’t experience anything special? They might be thinking that they are doing their health a great service, but aren’t. That money could be used for proven health improvements like healthier food or maybe a gym membership. What about the people who actually believe that the product represents a legitimate health breakthrough and invest a significant portion of their life savings in a “business opportunity” where it is extensively shown that 99% of people lose money.
  • Placebos are Dangerous – That article make the point pretty clear.
  • Self-Licensing Causes An Overall Decrease in Health – This Wikipedia article makes a point about study involving supplements:

    “A 2011 study published by researchers in Taiwan indicated that people who take multivitamin pills, especially those who believe that they are receiving significant health benefits from supplement use, are more prone to subsequently engage in unhealthy activities. Participants in the study were divided into two groups, both of which were given placebo pills; one group was correctly informed that the pills contained no active ingredients and the other group was told that the pills were multivitamin supplements. Survey results showed that participants who thought that they had received a multivitamin were predisposed to smoking more cigarettes and more likely to believe that they were invulnerable to harm, injury, and disease… Participants who believed they were given a multivitamin were also less likely to exercise and to choose healthier food and had a higher desire to engage in ‘hedonic activities that involve instant gratification but pose long-term health hazards, such as casual sex, sunbathing wild parties, and excessive drinking… In the ‘multivitamin’ group, the more supplements a participant used, the less likely they were to exercise, and smoking was highest among participants who expressed a conscious belief that multivitamins increased health.”

In my MonaVie article, distributors had erroneously claimed that 2 ounces of MonaVie was equal to eating 13 fruits. They then said that this justified the $40 price for the bottle. As a result, these people were making bad health decisions due to misinformation. That doesn’t even factor self-licensing in.

Are These Claims Even Legal?

It doesn’t seem as if they are. MLM distributors are typically not educated by the companies to follow the FTC guidelines on endorsements. That article states:

“Advertisers still must have adequate substantiation to support claims made through endorsements in the same way they’re required to if they had made the representation directly. In other words, advertisers may not convey through testimonials claims they could not otherwise prove with competent and reliable evidence. But one key revision of particular interest to electronic retailers is the new standard for endorsements that don’t represent the experience buyers can expect from using the advertised product themselves.

…

Despite the unequivocal requirement that the disclosures must be clear and conspicuous, some advertisers flouted this directive by cherry-picking their best-case scenario, touting those results in banner headlines, and dropping an all-but-invisible footnote with the cryptic statement, ‘Results not typical’ or ‘Individual results may vary.’

No more. As the revised guidelines make clear, testimonials reporting specific results achieved by using the product or service generally will be interpreted to mean that the endorser’s experience is what others typically can expect to achieve. That leaves advertisers with two choices: 1) Have adequate proof to back up that claim, or 2) ‘Clearly and conspicuously disclose the generally expected performance in the depicted circumstances.'”

MLM distributors endorsing the products simply aren’t allowed to give a testimonial that they believe that the product helped with their arthritis… unless the MLM company has demonstrated significant scientific proof. As mentioned above, no MLM company has met the requirement to show the FDA that it works. I don’t know of an MLM company that has even tried.

Not only are these claims a violation of the FTC endorsement guidelines, but they are also a violation of The Dietary Supplement Health and Education Act of 1994 (DSHEA) where supplements can’t make claims to help with medical conditions with the notable exception of these well-studied claims such as vitamin D and calcium helping with osteoporosis.

As MonaVie CEO said to Newsweek in 2008 about keeping its million distributors (at the time) compliant with these laws, “It’s next to impossible, like herding cats.” Unfortunately, Newsweek didn’t pose the logical follow-up questions to him, “Why did you unleash the cats in the first place? Why don’t you just solve the problem by distributing through traditional means where there are no false claims?” The solution to the problem that MonaVie caused is obvious, it just doesn’t help sell $40 bottles of juice.

I’ve found that most often MLM companies will cover their ass in public with a blog post saying all the right things, but in private they coach distributors to use these illegal medical claims.

It’s not just a few bad eggs either. It’s commonplace. How common? Truth in Advertising extensively show as many as 97% of nutritional companies have these claims. Here are some of their findings:

“TINA.org’s investigation found that out of 62 member companies selling nutritional supplements, 60 have distributors who are making (or have made) claims that their products can diagnose, treat, cure, prevent, alleviate the symptoms of, and/or reduce the risk of developing a multitude of diseases, which means they are making illegal disease-treatment claims.

TINA.org has cataloged well over a thousand such inappropriate health claims, ranging from cancer cures to disappearing gangrene.

Or as I like to put it, “How else are you going to sell $40 bottles of juice?” Perhaps that the reason why MonaVie collapsed. It was never the juice which was outed to be nothing more than “expensive flavored water” by its inventor.

What About Weight Loss Shakes?

A number of MLMs such as Herbalife, One 24, ViSalus and MonaVie sell some kind of weight-loss shake. These products “work” as expected. That is to say that their nutritional label is likely to be accurate. Beyond the label, there’s nothing that special. You can save a lot of money by going with Slim Fast or Carnation Instant Breakfast Essentials that has essentially the equivalent nutritional content at usually less than 1/3rd the price.

Picking one weight-loss shake over another isn’t going to make or break a diet. It’s everything else, eating well and exercising, that has been shown time and time again to work. People normally don’t stay on shakes their whole lives. Without a change of underlying diet and/or exercise habits the weight comes back. For this reason, I’m not a huge fan of meal replacement shakes.

Final Thought

I’ll let you in on a little secret. When I create Lazymandium, a mix of garlic, turmeric, cacao, and chili powder, and sell it via MLM at a price of 30 pills for $50, it doesn’t “work.” I’m simply using known psychology to exploit you and make your wallet a little lighter for my own benefit.

Originally Published: February 16, 2013.

Here’s The Best Comment in 5 Years of Lazy Man and Money

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People may not believe this, but in addition to writing 3-4 times a week (lately it’s been less than that), I also read every comment I get. As of this writing, that’s 19,123 comments. Okay, to be fair, I wrote 2842 comments so only 16,281 of those are from you. A little more than a week ago, I got the best comment in all 5 years.

Allow me to set the scene a bit. The comment was on my post where I wrote about this company. AJ wrote the following comment: I’m going skip over the lead-in. While it is informative, it isn’t nearly as entertaining as his parody of a health-based MLM scam:

Hmmm—I have an idea. I have no education in running shoe engineering, but I do know that running is considered an excellent form of exercise. I know decades of research prove that regular exercise increases health and reduces the chances of heart disease and other serious conditions. Footwear has also been around for thousands of years. I’ll go to my garden, grab some corn husks, a few Anaheim peppers, sprinkle it all with some tumeric, cinnamon, dried oregano, and cloves, and construct an all-natural running shoe. I’ll give my new running shoe a fancy name like “The Health Husker with Anaheim Insert.” Because running is exercise and exercise is linked to improving health, I’ll claim my running shoe helps reduce heart disease and other serious conditions. I’ll also claim that because my Health Husker is all natural, you can eat it after a good workout and reduce oxidative stress based on the high ORAC values of ingredients used.

Next, I’ll find a few reputable shoe experts willing to sell their souls to the all-mighty dollar. We’ll make arrangements for me to not only hide behind their credentials, but we’ll decide that any research performed will be vague and one-sided to support my product. We’ll construct a very small version of the Health Husker, gently attach the little shoes to a few lab rats, and allow them to run for a while in their adorable, little wheel. We’ll then allow the rats to eat their shoes and we’ll perform some blood tests using unreliable methods. We’ll do a similar, extremely limited human study, log our results, and call it good. My Health Husker running shoes probably have very little to do with increasing health and reducing oxidative stress and disease, but our plans of wealth may be compromised if we dig too deep and actually perform reputable research. Also, true reputable research takes significant time, and time is money; we want our money now!

Let’s not forget that I will lie and give these reputable shoe experts credit for my breakthrough-technology Health Husker with Anaheim Insert (After all, I never had any experience with running shoe engineering beforehand and that fact will likely damage the reliability and reputation of the product and company). We’ll get our research published and accessible through PubMed to really make my Health Husker look legit. Further, because we understand the limitations of our research, we will cloud the facts and say that we hold thousands of years of footwear research under our belt, as well as decades of research related to oxidative stress, heart disease, and every other positive benefit attributed to healthy lifestyles and not necessarily linked to the Health Husker. Again, the all-mighty dollar is at stake, so the truth really isn’t that important. What people don’t know won’t hurt them, right?

Last, I will prey upon the ill-educated, lazy, and those pathetic individuals easily convinced to pour their money into a product based upon lofty promises of wealth and exaggerated returns on investment. I will amaze them through spectacular marketing, full-color brochures, a fancy shoe box, provide them only with information to serve the purpose of making me rich, and will have them drooling over promises of unrealistic incomes. I’ll say something like:

“Live the life and dream you’ve always wanted and become a member of our successful Health Husker organization. Receive the income you know you are worth. Free yourself from the bonds of regular salaried employment and enjoy the lifestyle you deserve by securing your own financial freedom. [insert here a picture of high-end sports car and a happy couple running down a white sandy beach somewhere in the Caribbean]

The success and happiness of mankind is the driving force behind our company. We deeply care about your financial success and freedom. In fact, we are firmly cemented in our commitment to feed the widow, clothe the naked, care for the orphan, and help honest-to-goodness individuals, like you, secure wealthy beyond measure. Is there a reason to live by any other principle?

As an exclusive Health Husker distributor, you will experience the power of residual income as you expand your business around a scientifically proven breakthrough product and manage your own group of exclusive distributors. Dreams will materialize into realities as you bask in the fountains of wealth. No longer will you be reaching for the moon; the moon will be reaching for you.

We are proud to extend this amazing opportunity to all who desire financial freedom. Release the chains of inopportunity that bind you and secure this exclusive, life-changing opportunity with us today. Become part of an experienced company and product so amazing that it almost makes you wonder if we’re too good to be true. Don’t question, don’t think. Act now and secure the life you’ve always wanted. What are you waiting for?”

This is a no-fail plan that will attract thousands of ill-educated pathetics already distributing Protandim. True, I may have to pay out to a few losers, but I’ll pay out far less in compensation when compared to the millions I harvest. The highest percentage of my puppets will sink thousands into my product and will see a minimal return on their investment. Funny, huh?

What’s even more hilarious is many distributors will resort to false and illegal health claims in hopes of selling more product. They will find themselves in such a financial dump after throwing away thousands into my product that they’ll feel no remorse in resorting to false claims that my Health Husker with Anaheim Insert cures MS, diabetes, heart disease, cancer, thyroid disease, Irritable Bowl Syndrome, menstrual cramps, STD’s, hemorrhoids, bipolar syndrome, and anything else they can think of. Some folks with serious health conditions will even believe such asinine claims, buy my product, and fool themselves into feeling better and believing that their increased health is a direct result of my Health Husker. Hopefully they’ll all become Health Husker distributors, too. I know the real truth, but why should I say anything contrary to such ridiculously illegal health claims? After all, I’ve covered myself by addressing the use of illegal health statements in my distributor’s contract. I need to make my millions, and a few lies and putting innocent individuals’ health at risk is a small price to pay when millions are at stake. What people don’t know won’t hurt them, right?

After reading this, some Protandim distributors might shout, “Are you kidding me? I’d never buy into something so ridiculous and so exaggerated. I know a scam when I see it.” On the other hand, I’m sure most are saying, “Six-figure incomes, sports cars, and Caribbean vacations? Where do I sign up?” Again, you’re all alike. You currently peddle something just as ridiculous and exaggerated as the amazing Health Husker with Anaheim Insert.

Even if someone can successfully market dog crap with whipped cream and a cherry on top, in the end it’s still dog crap–regardless of how many people were fooled by the whipped cream and cherry.

The beauty of this is that can be applied to the MonaVie or One24 health scams. The parts change slightly. One24 doesn’t have their product in Pubmed and they don’t have an alleged expert to give credibility to the product. Still, the idea is the same, get people to buy a greatly overpriced product each month because it is a requirement to get in the business that will make your dreams come true.

New Health Routine Foiled (and Personal Finance Links)

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This weekend, my wife and I realized that if one of us got up early and went jogging with our dog for 20 minutes we’d be hitting a new high in productivity. For one our dog (a husky/yellow lab mix) gets much needed exercise. That exercise will hopefully prevent him from getting restless during the day while we are at work (something that happens from time to time). The other half of the productivity comes from the exercise that we get. The person who doesn’t walk the dog in the morning gets and early trip to work in an effort to get home early for another dog jog.

Today I’m the one getting to work early. Traffic was a breeze at 7AM (yes it’s not the norm. I’ve found that Silicon Valley generally has later sleepers). The traffic was so good that I got into work only to find locked doors at 7:30. No one was around to let me in. That wouldn’t be a problem if I wasn’t the only person at work without a key. I had never made it a priority to get one since it was only twice previously in months and months that I was here before or after hours. Let’s hope this is just a blip in the overall plan. Something tells me that’s going to be the easy part and jogging the mile and a half in the morning is going to be a little more difficult.

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Should You Put a Price on Your Health?

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Should You Put a Price on Health?
Should You Put a Price on Health?

A few readers responded to my recent post Is Eating Organic Food Worth the Money? by saying that you can’t put a price on your health. I’ve seen a similar argument come up time and time again in my MonaVie article (For those who don’t know, MonaVie is a juice that people have suggested may give great health benefits – at a price of $32-$40 a bottle – which they get a cut of). It sounds like a pretty straight-forward argument. Shouldn’t our most primary goal be self preservation – to keep breathing, keep healthy? I’m not so sure… and I have spent 18 months writing Lazy Man and Health. I think that as usual, the devil is in the details.

What is healthy?

That is a loaded question. You ask 20 people you’ll probably get 20 different answers. In general many of us know the “eat right and exercise” routine. It’s a good start, and I think if more Americans followed that along with “stop smoking”, we’d see our collective health get a whole lot better. It is my opinion (and perhaps your doctor’s) that unless you are doing things, it doesn’t really make sense to look into other things. You can still eat right without necessarily eating organic. You can still exercise even if you don’t belong to a gym. Oh and don’t forget to take care of your teeth, reducing plaque in your mouth can help your heart.

Money can buy you good health

If you have an extreme amount of money, you can buy yourself a good measure of health. My wife has admitted to looking at Gwen Stefani in the past and thought, “Wow is she in shape!” I’ve looked at Brad Pitt’s six pack and thought the same thing. However, I’m quick to point out that it’s part of their job to look that way. They can pay for a personal trainer, nutritionalist, personal chef, and Jamba Lights with Whey Protein Boosts at Jamba Juice. I think the average person has to really think if they can afford these things. It is my opinion that many can not (with the exception of the Jamba Juice, but that has it’s own Latte Factor).

In addition to the above there are a whole host of things that you could do with a big enough budget. One could buy an water ionizer. Some professional sports players have hyperbaric medicine chambers in their home. Perhaps that could help one’s health. There are probably about another 100 things mentioned in Ray Kurzweil’s Fantastic Voyage: Live Long Enough to Live Forever. A successful inventor like Ray Kurzweil can afford the pile treatments and tests he mentions.

Is there a limit to how healthy I can be?

Perhaps they are even subject to the law of dimishining returns. For instance, as I’ve been working to do 100 pushups, I’ve found that I made great gains in the beginning, but gains have gotten harder to come by. I’d be exstatic if I could run a 6-minute mile. However, I would have no desire to put in the incredible amount of exra work to run a 5-minute mile (if it’s even possible for my body physically).

Medical Bills: The Leading Cause of Bankruptcy

It may surprise you, but medical bills are the leading cause of bankruptcy from this Harvard Study. I see two paths you can go with this. You can spend your money trying to prevent everything that might physically happen to you. Or you can take reasonable preventative measures and continue to grow your money for the day that you might need it. If you go with the 100% prevention plan, you better hope you’ve got all your bases 100% covered. If something heriditary slips in that you couldn’t prevent, you probably won’t have the funds to get by it. If you take the more balance approached, you might prevent all but a few maladies, but still have the money for treatment later down the line. I can’t say what’s right for you, but I will choose the balanced approach, that leaves money for treatment down the line.

Measuring Cost-Benefit

Like any purchase decision, I think you have to run a little cost-benefit analysis. If I’m already eating lots of good fruit, am I going to get value by spending $5,600 a year for a family of four to drink MonaVie? However, if a doctor says that a enteric-coated baby aspirin can prevent me from getting a heart-attack or a stroke, that’s something I’m going to pick up immediately.

I’ve put a price on my health and it’s very high. Part of that price is investing and amassing enough wealth for treatment tomorrow as it is for today.

Photo Credit: Thomas Hawk

Amazon Friday Sale – Unicycle Edition

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For some of you, I’m coming out with this a little late in the day. I apologize. If it’s still Friday, you’ve got a chance to take advantage of the following deals:

This week’s highlight for wacky pick is:
Unicycle – The savings of $10 isn’t that breath-taking, but I have to wonder how many unicycles Amazon sells. Aren’t you dying to know this? I’m can juggle a bit, but I’m not to adding a unicycle any time soon.

Best Value of the Week?
Bluetooth Portable GPS Navigator – I made that a question because I haven’t looked a GPS Navigators in some time. I know the prices are dropping fast, so the $600 list price might been from a year or two ago. To top it off this product is refurbished. Nonetheless, a GPS Navigator has become an indispensible part of my life, so for $180 I find a good overall value for me.

Best Healthy option (tie):
Kashi Go Lean Crunch – I eat this cereal at least every other day. There’s a lot of protein and fiber in it. I recommend it as part of my cheap and healthy breakfast

Swim Googles – I have been swimming a lot more lately. I could use a pair of Goggles goggles to go with that. (That’s what I get for trying to publish quickly).

For those planning a bacchanalian party for the upcoming 4th of July (tie):

Electric Wine Opener – I’m a pretty Lazy person, but even I believe in having to work for your wine a little bit.

Thermal Beer Glasses – Though I often take the prim the proper road on this blog, I love that science is being used to make beer colder. This is a project that should receive more funding.