MLM has both risks and rewards:  You can make
          money, big money, if you're in the right place at the
          right time.  But unless you're careful as well as
          diligent, you can suffer heavy losses.  As many as 90%
          of all MLM companies fold after less than 18 months of
          operations.  If that happens to you, you can be wiped
          out.
               When you investigate MLM, you'll probably hear
          stories of people who claim to be making $60,000 a
          month.  Sure, there are people who earn that much, even
          more.  But those big incomes are the exception, not the
          rule.  To even think about reaching this level, you
          have to work full-time for several years.
               In reality, most MLM distributors work part-time,
          perhaps to supplement another job.  According to
          surveys, the average MLM participant works five or six
          hours a week and makes perhaps $15,000 - $20,000 a
          year, selling products for several companies.  Now,
          $15,000 or $20,000 a year is a long way from $60,000 a
          month, but it's certainly not a bad payoff for a part-
          time job.  So, if you're looking for a career or
          sideline business, MLM is worth investigating.