While we have a section on LaCore Enterprises, we have never examined Lacore’s first launch, bHip Global.
bHip Global is an MLM company that sells nutritional supplements. The firm was created in 2007 and is situated in Texas, USA.
Terry LaCore was originally mentioned by BehindMLM in 2013 as part of our coverage on Rippln.
LaCore Enterprises is now more upfront about its involvement in the MLM firms it launches. LaCore was far more private in 2013.
Even in 2013, LaCore (right) had been involved in the MLM sector for a number of years.
LaCore emerged to become the leading distributor of Strategic Telecom Systems in the 1990s.
LaCore’s first MLM executive position was as CEO of Netvision and CitiDirect. Following that, LaCore was named first Vice President and then CEO of Kaire.
LaCore finally landed at Natural Health Trends Corp. in the late 1990s.
LaCore left Natural Health Trends Corp in 2005. Three years later, the SEC initiated a similar civil enforcement action.
On September 3, 2008, the Commission filed a civil action in the United States District Court for the Northern District of Texas charging two former officers of Natural Health Trends Corp. of Dallas, Texas, with securities fraud and other violations arising from undisclosed related party transactions from 2001 to 2005.
The defendants are Mark D. Woodburn of Southlake, Texas, NHT’s former president, director, and CFO, and Terry LaCore of Flower Mound, Texas, the former president of NHT’s main subsidiary and an NHT director.
According to the lawsuit, NHT’s top distributor paid Woodburn and LaCore about $2.5 million in concealed payments between 2001 and August 2005.
According to the lawsuit, as a result of Woodburn and LaCore’s activity, NHT failed to disclose or poorly disclosed related party transactions in periodic filings, registration statements, and proxy statements.
LaCore resolved the complaint in late 2008 for $50,000. As part of the settlement, LaCore was barred from serving as an officer or director of any public business for five years.
I’ll cut to the quick and say that LaCore hasn’t had any other securities fraud-related run-ins since then.
In 2007, LaCore formed bHip Global, two years after leaving NHT and a year before the SEC filed suit.
LaCore went on to form LaCore Enterprises in 2011.
LaCore Enterprises began as an advertising firm before evolving into a full-fledged white label MLM factory. LaCore Enterprises’ primary components are itself and LaCore Labs.
LaCore Enterprises manages the company’s business, while LaCore Labs handles the goods.
In addition to bHip Global, LaCore Enterprises is the parent company of more than a dozen MLM firms, all of which are in the nutritional supplement industry.
Rippln saw LaCore’s attempt to re-enter the wireless MLM market. Rippln, which was launched in early 2013, had failed by early 2014.
Since then, LaCore Enterprises has concentrated on nutritional supplements.
BehindMLM has examined the majority of LaCore Enterprises firm launches throughout the years. Today, we’re restricting that coverage to bHip Global, the initial LaCore launch.
Continue reading for an in-depth examination of bHip Global’s MLM opportunity.
Products from bHip Global
bHip Global sells a variety of nutritional supplements that they manufacture in-house… and sex lube
The website of bHip Global features product categories such as energy and fitness, health and wellness, and personal care.
Fitness and Energy
Blue Energy Blend – “may support hours of natural energy” Pink for Women – “intended to address the health needs of today’s busy woman” Red for Men – “specially tailored to a man’s metabolic and hormonal needs” Noni Gia – “a potent antioxidant that may help sustain and support a healthy immune system”
All of bHip Global’s energy and fitness products are $69 for a box of 30 single-serve sachets.
Health and Wellness
Purple Caps Xtreme – “combines essential vitamins like A, B, and D with natural ingredients like Cat’s Claw to help restore and enhance your well-being,” retails for $69 for a bottle of 30 servings.
Pleasur – “a personal topical lubricant designed to amplify sexual responsiveness in women of all ages,” retails for $69 (nice) for a 0.5 oz bottle.
Hip Global’s Compensation Plan
Hip Global’s compensation plan includes retail and recruitment commissions.
When new bHip Global affiliates are recruited, “pay to play” is heavily emphasized.
bHip Global Affiliate Ranks
The bHip Global compensation plan includes eleven affiliate ranks.
They are, along with their respective qualification criteria, as follows:
Affiliate – Sign up as a bHip Global affiliate (with or without a Package) and generate and maintain 50 PV per month.
Bronze – recruit and retain two Affiliates while generating $1,000 GV in matched monthly residual commission volume
Silver – maintain two personally recruited Affiliates and generate 2000 GV in matched monthly residual commission volume
Gold – recruit and retain four Affiliates while generating $4000 GV in matched monthly residual commission volume
Platinum – recruit and retain six Affiliates while generating 8000 GV in matched monthly residual commission volume
Sapphire – keep six personally recruited Affiliates and generate 16,000 GV in matched monthly residual commission volume
Ruby – keep six personally recruited Affiliates and generate 32,000 GV in matched monthly residual commission volume
Emerald – keep six personally recruited Affiliates and generate 32,000 GV in matched monthly residual commission volume
Diamond – maintain six personally recruited Affiliates and generate 64,000 GV in matched monthly residual commission volume
Blue Diamond – maintain six personally recruited Affiliates and generate 125,000 GV in matched monthly residual commission volume
Black Diamond – maintain six personally recruited Affiliates and generate 500,000 GV in matched monthly residual commission volume
PV stands for “Personal Volume.” PV is the sales volume generated by retail sales and affiliate purchases.
GV stands for “Group Volume.” GV is the PV generated by an affiliate and their downline.
It should be noted that recruited Affiliates must be evenly distributed on both sides of the binary team in order to count toward rank qualification. Recruited Affiliates can also be of any rank.
Retail Commissions bHip Global affiliates can earn up to 30% on retail order sales volume.
Retail commission rates are determined by how much a bHip Global affiliate pays when they sign up:
Sign up as an Associate (no package) and receive a 5% retail commission rate.
Sign up for a Partner Package and receive a 10% retail commission rate.
Sign up for an Executive Package and receive a 20% retail commission rate.
Sign up for a Professional Package and receive a 30% retail commission rate.
Recruitment Commissions bHip Global pays a commission when personally recruited affiliates purchase affiliate packs:
Earn $20 when you refer an affiliate who purchases a Partner Pack.
Earn $40 for referring an affiliate who purchases an Executive Pack.
Receive $100 if you refer an affiliate who purchases a Professional Pack.
Residual Recruitment Commissions
bHip Global pays residual recruitment commissions through a one-level compensation structure.
A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly beneath them (level 1):
If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.
If any level 2 affiliates recruit new affiliates, they are promoted to level 3, and so on down a theoretical infinite number of levels.
Residual recruitment commissions are paid on Executive and Professional Pack hires beginning with the Gold rank:
Gold-level affiliates receive a $5 Executive Pack residual and a $10 Professional Pack residual.
Affiliates with the Platinum rank earn a $10 Executive Pack residual and a $25 Professional Pack residual.
Affiliates with a Sapphire ranking receive a $20 Executive Pack residual and a $50 Professional Pack residual.
Affiliates with a Ruby ranking earn a $30 Executive Pack residual and a $75 Professional Pack residual.
Emerald-ranked affiliates earn a $35 Executive Pack residual and a $90 Professional Pack residual.
Diamond and higher ranked affiliates earn a $40 Executive Pack residual and a $100 Professional Pack residual.
Residual recruitment commissions are capped at $40 for Executive Pack recruitment and $100 for Professional Pack recruitment.
The first residual recruitment commission is paid to the recruiting affiliate based on their rank.
What is left is then paid upline, again according to rank, until the entire $40 or $100 is paid out.
E.g. You are Sapphire, and you have just recruited a new Professional Pack affiliate.
You receive $50, leaving $50 to be paid out ($100 minus $50 paid to you).
The system searches upline across the unilevel team for Ruby and higher ranked affiliates to pay the remaining $50 residual recruitment commission to.
If a Ruby is found first, they receive $25 ($25 difference between $50 paid out and their $75 rate), with the remaining $25 going to higher ranked upline affiliates.
If an Emerald is discovered first, they receive $40 ($40 difference between $50 paid out and their $90 rate), with $10 remaining to be paid to higher ranked upline affiliates.
If a Diamond or higher is discovered first, they receive the entire remaining $50 and nothing else is paid out.
Nothing is ever passed upline when Diamond and higher ranked affiliates receive a residual recruitment commission.
Diamond and higher affiliates always receive either the full residual commission amount on personal recruitment or whatever is still owed to be paid out on indirect recruitment.
Recruitment Bonus bHip Global affiliates receive a $50 bonus when they recruit two affiliates.
Affiliates must be placed on both sides of the binary team.
Residual Commissions bHip Global pays residual commissions through a binary compensation structure.
A binary compensation structure places an affiliate at the top of a binary team, which is divided into two sides (left and right):
The binary team’s first level contains two positions. The second level of the binary team is generated by splitting these first two positions into another two positions each (4 positions).
Subsequent levels of the binary team are generated as needed, with each new level containing twice as many positions as the previous level.
Positions in the binary team are filled through direct and indirect affiliate recruitment. It is important to note that there is no limit to how deep a binary team can grow.
At the end of each week, bHip Global totals new investment volume on both sides of the binary team.
Affiliates are paid $50 for every 500 GV matched on both sides of the binary team.
Once paid out on, matched volume is flushed. Any remaining volume on the stronger binary team side carries over.
Matching Bonus b
Hip Global offers a Matching Bonus on residual commissions earned by recruited affiliates.
The Matching Bonus is distributed using the same unilevel team structure as Residual Recruitment Commissions.
bHip Global limits the Matching Bonus to five unilevel team levels based on rank:
Bronze-ranked affiliates receive a 5% match on level 1.
Silver-ranked affiliates receive a 10% match on level 1.
Affiliates with a gold ranking receive a 10% match on level 1 and a 5% match on level 2.
Platinum-ranked affiliates receive a 10% match on levels 1 and 2.
Sapphire-ranked affiliates receive a 10% match on levels 1 and 2 and a 5% match on level 3.
Affiliates with the Ruby rank receive a 10% match on levels 1 through 3.
Emerald-ranked affiliates earn a 10% match on levels 1–3 and a 5% match on level 4.
Diamond affiliates receive a 10% match on levels 1–4.
Blue Diamond affiliates earn a 10% match on levels 1–4 and a 5% match on level 5.
Affiliates with a Black Diamond ranking receive a 10% match on levels 1 through 5.
Rank Achievement Bonus
Silver and higher ranked bHip Global affiliates receive the following Rank Achievement Bonuses:
qualify for and maintain Silver and receive $50 per month qualify for and maintain Gold and receive $125 per month qualify for and maintain Platinum and receive $300 per month qualify at Sapphire and receive $2000, maintain Sapphire to continue receiving $700 a month qualify at Ruby and receive $5000, maintain Ruby to continue receiving $2000 a month qualify at Emerald and receive $10,000, maintain Emerald to continue receiving $3200 a month qualify at Diamond and receive $10,000
Joining bHip Global Basic bHip Global affiliate membership is $49.95 per year.
Full participation in the attached income opportunity requires 1500 PV or the purchase of one of three packages:
Partner Package Executive Package
bHip Global does not provide package costs anywhere on their website. I looked everywhere and was still unable to secure package prices.
The closest I got was this slide from 2012, which detailed three package cost tiers: $200 (Partner), $500 (Executive), and $1000.
These tiers are from a decade ago and should only be used as a guide.
bHip Global Conclusion
During my extensive search for bHip Global package prices, I discovered that bHip Global’s product offering today is a skeleton of what was originally available. A DNA “repair” product and weight loss were notable losses.
This, I believe, is due to LaCore Enterprises selling these products as standalone MLM opportunities.
In any case, the end result is that bHip Global’s offering today is extremely bland.
Our goal is straightforward. Help people all over the world become the best versions of themselves while also assisting others to do the same.
From a marketing standpoint, nothing stands out. bHip Global’s products appear to be a mishmash of supplements. And then there’s the lube, which doesn’t really tie into anything (energy for more bunga bunga?).
Before we get into bHip Global’s compensation plan, I’d like to point out that failing to disclose affiliate package costs is a major compliance red flag.
By concealing affiliate package costs, bHip Global prevents consumers from making an informed decision about its MLM opportunity. This may be a violation of the FTC Act.
I believe bHip Global conceals package information because it leads to “pay to play.”
By tying membership package costs to commission rates, bHip Global incentivizes affiliates to spend more when they sign up.
When compared to the three affiliate package price points, the 1500 PV qualification alternative is meaningless. bHip Global effectively penalizes anyone who bothers to try and retail sale qualify.
The irony is that in order to reach 1500 PV, an affiliate should ideally be selling at least 750 PV. Why bother when you’ll be cheated out of 25% of the maximum 30% retail commission rate until you reach 1500 PV?
After incentivizing how much an affiliate spends when they sign up, the next thing to note is that bHip Global has no retail volume qualifiers.
bHip Global affiliates can pay $1000 or whatever it is for max rank (note that affiliate ranks are separate from paid pay to play ranks), pay whatever the 50 PV a month product order is each month on autoship (I suspect this aligns with one $69 product order), and then just focus on recruiting others who do the same.
And this is your typical MLM pyramid scheme.
While LaCore Enterprises’ compensation plan currently focuses on retail, it appears they will need to start over with bHip Global.
I noted that the official provided compensation plan documentation is a 2019 revision of a 2016 plan.
The FTC is quite clear that MLM organizations that do not have significant retail sales are pyramid schemes. bHip Global’s strategy is in desperate need of an overhaul.
I couldn’t help but notice that Colombia is currently the top source of traffic for bHip Global (57%). Colombia has emerged as a hotbed of MLM fraud in 2022.
I wouldn’t be surprised if bHip Global is openly promoted as a “buy a package” pyramid scheme throughout South America.
That would imply that bHip Global is turning a blind eye to fraud, which is disappointing given LaCore Enterprises’ recent retail-focused MLM launches.
Unless you want to lose money in an old-school autoship recruitment scheme, bHip Global in its current state is best avoided.
Jojar Dhinsa & CashFX Group – Crook Review
Jojar Dhinsa has officially denied using the CashFX Group Ponzi scheme to defraud individuals.
Dhinsa appeared on NTV Unscripted on August 19th, according to Harry Page of the Facebook group “CashFX (in connection with EverFX) Scam – Now What!?”
NTV bills itself as “Bangladesh’s top TV channel.” It is televised locally throughout the United Kingdom and Europe.
Rather of admitting to promoting a Ponzi scheme for profit, Dhinsa claims he never cheated anyone.
They’ve basically made stuff up about getting jailed for fraud or defrauding others, according to web reports.
I wish I had scammed folks so there would be some evidence.
Unfortunately for Dhinsa, finding the proof he says does not exist is not difficult.
Dhinsa went on to talk about defrauding individuals through CashFX Group after denying he had defrauded anyone.
I became acquainted with CashFX, a cryptocurrency multi-marketing firm, two years ago (Group).
I did some research. I felt I was assisting them, and I did assist them. I made some money but didn’t get involved all that much.
In retrospect, I should not have gotten engaged. I do not support them. I don’t recommend that folks look at them.
However, conduct your own research. Conduct your own research. And I finished my… a bit of a haphazard approach Which is not typical of me.
Dhinsa refuses to accept his victims or the fact that CashFX Group is a Ponzi scheme in which the only way to gain money is to defraud others.
Dhinsa sung a drastically different song when he joined CashFX Group in 2020 and was particularly challenged about his due-diligence into the Ponzi scam;
So the first thing that everyone does, including myself, is go online and Google it, and there was a lot of information on CFX. This, that, and the other fraud alert(s).
But then you have to take a step back and assess who is saying those things. Right?
Wrong. Your MLM due diligence on CashFX Group begins and finishes with “this is a Ponzi scam with fraud alarms from all around the world.”
It makes no difference who tells you this since you can independently check and corroborate the information.
But, of course, this was before Dhina discovered there was money to be stolen.
And they read the comments, and there were people saying, you know, it’s a scam, it’s this, it’s a Ponzi scheme, it’s a pyramid system.
Surprise, surprise, every organization on the earth, including mine, is a pyramid.
This is a classic diversion tactic used by pyramid scheme scammers. It is often built on a CEO sitting at the top of a diagram of management and staff in the shape of a pyramid.
I’m at the top. I have a Board of Directors, a management team, HR, a Head of Department, salesmen, and sales representatives. As a result, every institution, including the Royal Family and the British Army, is a pyramid system. So that’s not a problem.
The parallel fails because the movement of money inside a pyramid scheme, as well as the manner in which the money is created, is what makes it unlawful.
Nothing is offered or sold to retail customers by CashFX Group. Thus, CashFX Group’s MLM side acts very much like a pyramid scam (commissions are paid on new investor recruitment, which are sent upline to recruiters and the company’s owners).
The question I asked myself was, “Is it a Ponzi scheme?” and, “How do I know it’s not a Ponzi scheme?”
Because I read that it’s a Ponzi scam. You don’t make money from Ponzi schemes, and blah yada yada.
So I read the reviews. I distributed it internally to my team for review. Then I decided to contact someone in Panama, most likely from one of Panama’s wealthiest families.
“Would you mind coming to the offices for me and taking some shots of everything?” I asked Niko.
And he went… He made new friends there. “Look, they’re redoing the offices,” he added… “Fine, thank you very much,” I said.
We examined the system’s back end, the CRM system. It appears to be OK.
Dhinsa claims he sought “everyone” who approached him about his CashFX Group involvement for proof that CashFX Group was a Ponzi scam.
In July 2019, BehindMLM presented proof that CashFX Group was a Ponzi scam.
Dhinsa makes no mention of this evidence or why he overlooked it. Likewise, CashFX has gotten several securities fraud alerts from regulators all around the world by that point.
Because my reputation is very important to me.
Dhinsa ruined his reputation by joining, promoting, and eventually benefitting from CashFX Group.
Dhinsa’s advertising of CashFX Group was very shady. Dhina targeted the homeless in the UK, stating that by hiring them for CashFX Group, he would “affect 1 million lives.”
Dhinsa’s Ponzi marketing legacy was followed by other CashFX Group crooks.
I’m not sure when Dhinsa quit CashFX Group. When the money ran out, he slunk away silently.
In early 2020, CashFX Group began postponing withdrawal payments. Delays continued for the following year and a half, eventually leading to CashFX Group suspending withdrawals in late 2021.
BehindMLM identifies this as the demise of CashFX Group.
Huascar Lopez, CashFX Group’s founder and CEO, will leave the Dominican Republic in late 2021. What began as a vacation to Italy has now revealed itself to be the beginnings of an exit-scam.
Lopez has not been seen in public for some months. His present whereabouts and condition are unknown.
BitClub Network – Crook Review Part 2
Jobadiah Weeks, Silviu Balaci, and Joe Abel of the BitClub Network are slated to be sentenced in March 2023.
The following sentences were postponed for the trio on August 12th:
Jobadiah Sinclair Weeks is scheduled to be sentenced on March 14, 2023.
Silviu Catalin Balaci will be punished on March 16, 2023, and Joseph Frank Abel on March 21, 2023.
All three are anticipated, but not assured, to serve time in jail.
For the time being, BitClub Network defendant Matt Goettsche is defending the criminal allegations leveled against him. His lawsuit has been adjourned until October 2022.
Russ Medlin, the defendant, is imprisoned in Indonesia for child sex offences.
In related news, Weeks (right) filed on August 8th to have his house confinement converted to curfew.
We sincerely request that Mr. Weeks’ bail restrictions be changed from home confinement to a curfew in order for him to attend family events and visit family-owned properties in Colorado.
The Pretrial Services Officer has advised us that they are open to this revision in light of Mr. Weeks’ general compliance with his release restrictions.
The United States defers to Pretrial Service’s viewpoint, as represented by Assistant United States Attorney Anthony Torntore.
Weeks first believed he could pull a fast one while under custody. Weeks seemed to have accepted his fate and settled down, according to PreTrial Services’ evaluation.
On August 15th, Weeks’ application for a curfew adjustment was approved.
Eric Dalius & Saivian & SEC- Crook Review
Eric J. Dalius secured an agreement with the SEC over Saivian securities fraud.
The news comes after the Saivian defendants reopened discussions with the SEC in June.
According to a Joint Stipulation filed on August 9th;
On August 5, 2022, the Parties held a telephone settlement conference… during which the SEC and the Defendants other than Defendant Ryan Morgan Evans reached an agreement in principle.
Other defendants in the SEC’s Saivian Ponzi case besides Ryan Evans include Eric J. Dalius, Professional Realty Enterprises, Inc., Saivian LLC, Savings Network App LLC, and Realty Share Network LLC.
Details about Dalius’ Saivian colony are likely to be released in the coming months.
In 2015, BehindMLM recognized Saivian as a Ponzi scam. In 2018, the SEC launched a lawsuit against Saivian, alleging that Dalius and Evans conducted a $165 million Ponzi scheme.
While Saivian’s demise signaled the end of Dalius’ Ponzi scheme, Evans doubled down on Elamant.
Elamant is essentially a Saivian clone targeted especially towards African investors.
Despite facing a $100 million securities fraud case in the United States, Morgan continues to perpetrate securities fraud through Elamant.
So yet, US officials have not pursued Morgan for continuing to scam people with Elamant. It remains to be seen if this will alter.
According to SimilarWeb traffic statistics for Elamant’s website, investor recruiting has ceased.
In the event that Ryan Evans does not reach an agreement with the SEC, his Saivian securities fraud trial has been rescheduled for June 6th, 2023.
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