CFTO offers a 60-Day Money Back Guarantee….

By workwithdaveandjoy | July 31, 2020 - 4:54 pm |July 31, 2020 6 figure income earner, 60-Day Empty Bottle Money Back Guarantee, best CDB in the market, CFTO, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, Free Sign up, FREE to join, how to earn money from home, How to order from CTFO, income in mlm, join Dave and Joy, Network Marketing, Network Marketing for Women, Tavala, top leaders and trainers Dave and Joy with ViiVa, Train with Dave and Joy, Training with Dave and Joy, why CTFO now, why join CTFO, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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Personally I’ve never been involved with a company that offers a 60-Day Money Back Guarantee- until CTFO.

CTFO stands for Changing the Future Outlook. Your future HEALTH and your future WEALTH.

You can become a member for FREE at CTFO : Simply Click here www.DaveandJoy.com

I decided to POST their refund policy in a blog for easy access.

WHAT IS CTFO’s REFUND POLICY?

REFUND POLICY 60-DAY MONEY BACK GUARANTEE:Changing The Future Outcome, Inc/CTFO Ltd (hereafter “The Company”)

A sixty (60) day money back guarantee is offered on each of The Company’s products and product packages on the purchase price paid, less any shipping and handling fees.

Refunds are not available on marketing material, sale items, discontinued products, closeout items or outdated products. Shipping and handling charges are only subject to be refunded if the order has not been shipped.

To receive a refund: Please mail the item(s) to: First Choice Customer Support Group 1300 Oliver Road Suite 200 Fairfield, California 94534 Include in written format: • Your Member/Distributor ID # • The Order/Invoice # the item(s) were ordered under • The reason why you would like a refund

This 60-day empty bottle money back offer is good one time per product, per order, per Associate/Customer. NOTE: When The Company receives a package, it can take up to 30 days to process a refund request. After we have electronically released the funds, a credit should appear on the card the order was charged to within the next 5-7 business days, depending on the policies and procedures the financial institution follows.

If the electronic refund is denied, The Company will attempt to contact the Customer/Associate three (3) times, once weekly, by phone or email to confirm the disbursement of a check refund. After three (3) attempts, the Associate/Customer assumes responsibility to call/email back The Company to request the refund check.

All containers sealed/opened, full/empty must be returned and must arrive back to The Company prior to 60 days of shipment date. Items being returned for a refund are returned at the Associate/Customer’s expense and must include written instruction as to why the product was returned, the invoice/order number and customer/associate ID number. All orders returned due to “Incorrect Address” or “Failed Attempts” may only be reshipped upon the customer’s request. Additional shipping and handling charges will apply.

IMPORTANT: Refund requests received sixty (60) or more days after the shipment date will not be refunded.

If the items fall outside the 60-day guarantee, the customer will be contacted via email regarding the denied refund request and the order will be held for a maximum of twenty-one (21) days. The item(s) may be returned to the Customer upon their request, however additional shipping and handling charges will apply. If the customer does not contact The Company regarding the order, the item(s) will be destroyed without notification.

1325 Airmotive Dr Suite 175-S Reno, NV 89502 707-449-4567 support@myctfo.com

Customers with orders returned without written instruction will be contacted via email or phone. Orders will be held for up to ninety (90) days until further direction is provided by customer. After 90 days, the product will be destroyed, and the refund is forfeited. Any refund policy or money back guarantees made by The Company on the products sold by The Company are solely intended and will only be extended to the original purchaser of the product. Please note that some third parties or Independent Associates may make unofficial offers regarding product guarantees that are not corporately endorsed, therefore The Company cannot honor them.

If you have questions about any unusual offers, please contact The Company’s Customer Support directly for verification.

DAMAGED or MISSING ORDERS: Please contact The Company’s Customer Support to report any damaged or missing orders within fifteen (15) business days from shipment date. The Customer/Associate may be requested to contact the appropriate shipping carrier to have an investigation opened. (Based on the carrier this process can take up to 15 business days).

Damaged item(s) must be in the original packaging with the entire original casing. Damaged items may be picked up by the carrier and returned to The Company, unless otherwise directed by The Company. Upon receipt of the item, a new product will be sent out.

PRODUCT EXCHANGES: The Company does not offer product exchanges currently. A Customer/Associate may request a refund for the original item purchased by following the refund instructions and use those funds they receive back to make a new purchase at the discretion and willfulness of the individual Customer/Associate.

MONTHLY PRODUCT SUBSCRIPTION: By enrolling in a Month-to-Month subscription for the CTFO Auto-Ship Program, you agree and acknowledge that your subscription has an initial and recurring payment charge at the then-current subscription rate and you accept responsibility for all recurring charges prior to cancellation, including where applicable any charges processed by CTFO after the expiration date of your payment card.

AUTOMATIC MONTHLY RENEWAL TERMS: Your Subscription will be automatically renewed for successive monthly periods and your payment method will automatically be charged for each successive monthly period at the then-current subscription rate until you cancel your Month-to-Month CTFO Auto-Ship program renewal.

CANCELLATION POLICY FOR MONTH-TO-MONTH CTFO AUTO-SHIP PROGRAM: To cancel your Month-to-Month CTFO Auto-ship Program at any time (1) send us a message at support@myctfo.com and we will complete the cancellation request for you, or (2) Call our support center at (707) 449-4567 and our Customer Service specialist will help you cancel. If you cancel, you will not be re-billed during your next monthly billing cycle.

We hope this has helped. If you have not yet joined CTFO and are interested simply go to www.DaveandJoy.com It’s free to join. You’ll also be a part of the FASTING growing team.

Dave and Joy/ Leaders and Trainers in the Field….

802-846-7530

info@DaveandJoy.com

www.DaveandJoy.com

CTFO Income Opportunity

By workwithdaveandjoy | July 31, 2020 - 4:28 pm |July 31, 2020 10x Pure, 6 figure income earner, 6-figure income, 60-Day Empty Bottle Money Back Guarantee, Advantages of being on Dave and Joys ViiVa team, Appetite Suppressant, best CDB in the market, CBD, CBDa, CFTO, Changing The Future Outcome, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy, Dave and Joy and Tavala, Dave and Joy global leaders with Tavala and Viiva, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, fat loss, how to earn money from home, How to order from CTFO, join Dave and Joy, Keto cream, Keto Friendly Shake, Keto Perfect, KetoBooster, Ketocream shake, ketosis, Liquid Glove Hand and Surface Sanitizer, Tavala, Train with Dave and Joy, Training with Dave and Joy, weight Loss, why CTFO now, why join CTFO, women in network marketing, Work From Home, work with Dave and Joy, www.DaveandJoy

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CTFO Income Opportunity

When CTFO first introduced their TOTALLY FREE Business Opportunity that allows anyone to get paid for sharing their amazing products with others, some people thought they were crazy. But so many people LOVED it and took advantage of it; they knew they were on to something GREAT!

Then as more people discovered their hybrid 4-part pay plan with copyrighted Profit Sharing Positions that can literally multiply your income from the same sales volume, the word started to spread that there’s something totally different going on at CTFO.

Now with the introduction of CTFO Online Visitors, which allow you to build your team AUTOMATICALLY, without having to prospect or sell anyone, they absolutely know they have what it takes for ANYONE and EVERYONE to succeed! And with their new line of CBD products, there’s never been a simpler or more powerful way to create a lifetime of residual income.

No gimmicks, no gotchas. It’s absolutely Free! You can be in business for yourself, but not by yourself. As I write this is it July 2020 and CTFO is entering Momentum. This is very exciting timing……

CLICK HERE to read our detailed Compensation Plan Overview.

CLICK HERE to view our Compensation Plan Chart.

CLICK HERE to JOIN for FREE! www.DaveandJoy.com

Join Us in The Hottest Wellness Trend & Next Billion Dollar Industry!

Dave and Joy/ Leaders and Trainers in the Field

802-846-7530: We’d love to chat with you! We are part of the fastest team in the company and offer support that helps everyone succeed.

info@DaveandJoy.com www.DaveandJoy.com

Who is the Management Team Behind CTFO?

By workwithdaveandjoy | July 31, 2020 - 4:01 pm |July 31, 2020 10x Pure, 6 figure income earner, 6-figure income, 7-figure income, Advantages of being on Dave and Joys ViiVa team, Appetite Suppressant, best CDB in the market, burn fat, CBD, CBDa, CFTO, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy and Tavala, Dave and Joy global leaders with Tavala and Viiva, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, Free Sign up, FREE to join, how to choose a network marketing company, how to choose an MLM company, how to earn money from home, How to order from CTFO, Increase Energy, Increase Focus, join Dave and Joy, Join Dave and Joy at ViiVa, Join Dave and Joy top leaders with ViiVa, Join Dave and Joy with ViiVa, Keto Perfect, ketogenic, KetonX, ketosis, leadership, Leadership in Network Marketing, Network Marketing, Network Marketing for Women, shake, Super7, Top leaders Dave and Joy with ViiVa, Train with Dave and Joy, training for women in network marketing MLM, Training with Dave and Joy, Ultimate Multi-Vitamin Mineral Supplement, Whey protein shakes, Wholesale Buying Club, why CTFO now, why join Dave and Joy's ViiVa team, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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We believe it is important to do your due diligence before joining or being an affiliate of any company. We decided to meet the corporate staff by phone, one at a time, and are very happy we did! CTFO is different and we’re confident you will love the difference between this company and most network marketing companies.

CTFO, Changing the Future Outcome, is like no other company that we have been affiliated in within the network marketing industry- and we are finding it a breath of fresh air.

Meet the CTFO Management Team.

Stuart Finger: Founder

Steve Finger: Chief Executive Officer and President

Michael Kahn: Chief Operations Officer, Treasurer and Secretary

Steve Sakal: National Training Director

Meagan Harris: General Manager

To learn about the management team simply click here. https://www.myctfo.com/managementteam.html

A little more about CTFO

Our Vision:

CTFO provides tools to empower people in business, health and serving others; demonstrating the Good News with quality, integrity and generosity.

Our Mission:

Our Founders care and want to positively impact every aspect of your life:
In Business: By offering an affordable, accessible opportunity with a generous pay plan and a simple roadmap for success
In Health: By promoting a healthy lifestyle; incorporating proper nutrition and quality products
In Serving Others: By creating a culture of organizational, personal and community development
In Quality: By providing products, customer service and associate support that actually work!
In Integrity: By operating in an honest and trustworthy manner to our employees, associates and customers
In Generosity: By giving back a portion of our profits to those in need
In Demonstrating the Good News: By following God’s word, we operate in a life-giving and abundant environment, both corporately and individually

Our Core Values:

To provide expanding entrepreneurial opportunity
To provide quality consumable products
We are a generous company – generous with charities, employees and associates
We desire prosperity for all those involved with CTFO at all levels
CTFO is a company with high integrity (as a corporate entity and as individuals)
To share the Good News -God is at the center of all we do

If this- along with CTFO being a BUYERS CLUB DREAM interests you, JOIN HERE for FREE. www.DaveandJoy.com

As soon as you become a member you will begin saving money on products that can help enhance your health and life- for LIFE! CTFO also offers a 60-day empty bottle guarantee on all their products and you can join for free. When you get your personalized website you can then share with others and help them save money on CTFO’s products and in turn, you can EARN money!

Join us today. Our team is the fastest growing team in the company. Get the upline and support you deserve.

Dave and Joy/ Field Leaders and Trainers with CTFO

We invite you to call us at 802-846-7530

or email us at info@DaveandJoy.com

www.DaveandJoy.com

CTFO Offers Game-Changing Profit Sharing Positions to Their Associates

By workwithdaveandjoy | July 30, 2020 - 1:35 pm |July 30, 2020 10x Pure, 6 figure income earner, 6-figure income, 60-Day Empty Bottle Money Back Guarantee, 7-figure income, best CDB in the market, burn fat, CBD, CBDa, CFO and COO, CFTO, changing MLM Companies, Changing Network Marketing Companies, Changing The Future Outcome, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, fat loss, how to choose a network marketing company, how to choose an MLM company, how to earn money from home, improves digestion, income in mlm, join Dave and Joy, Join Dave and Joy at ViiVa, Join Dave and Joy top leaders with ViiVa, Join Dave and Joy with ViiVa, Keto cream, Keto Friendly Shake, Keto Perfect, KetoBooster, Ketocream shake, ketogenic, KetonX, ketosis, Network Marketing, Network Marketing for Women, Network Marketing in Asia, position yourself at ViiVa with Dave and Joy, Tavala, top leaders and trainers Dave and Joy with ViiVa, Top Leaders and Trainers with Viiva, Top leaders Dave and Joy with ViiVa, Train with Dave and Joy, training for women in network marketing MLM, Training with Dave and Joy, weight Loss, wholesale buyers club with over 80 products, Wholesale Buying Club, why CTFO now, why join CTFO, women in network marketing, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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On July 28, 2020 Co-Founder, Steve Finger shared a game-changing training on our powerful, unique, copyrighted Profit Sharing Positions with completely new graphics.

There is no other company in the industry that offers you the opportunity to get paid multiple times on the same sale. This training is imperative for both new and existing associates, as well as potential prospects to better understand how you get paid through our incredible Compensation Plan. Click on the link below to watch the training.

https://vimeo.com/442560124/bfb7c681a3

If you are not a member of CTFO but are interested simply click here to join for FREE. www.DaveandJoy.com

We’ve been in this industry ffull-time for well over a decade and have never seen anything like this…. t

CTFO is definitely the company to be with at this time.

By joining with us you’ll tap into the upline and leadership that can help you reach the level of success you desire and want. Because this is a ‘wholesale buyers club’ even your friends and family that don’t want a business or side-gig, will want to purchase some of their over 80+ products at wholesale.

https://vimeo.com/442560124/bfb7c681a3

CTFO will not ask for your credit card or Social Security number to become a wholesale buyer/associate. Simply Join for FREE.

Have questions? Let’s chat. 802-846-7530 or email us at info@DaveandJoy.com

Ready to get started, go to www.DaveandJoy.com

Dave and Joy/ Leaders and Trainers with CTFO.

802-846-7530

info@DaveandJoy.com

www.DaveandJoy.com

Considering Joining CTFO? Here are 11 Key Points in why WE Joined…

By workwithdaveandjoy | July 30, 2020 - 11:56 am |July 30, 2020 10x Pure, 6 figure income earner, 6-figure income, 60-Day Empty Bottle Money Back Guarantee, Advantages of being on Dave and Joys ViiVa team, best CDB in the market, burn fat, CBD, CBDa, CFTO, Changing The Future Outcome, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy, Dave and Joy and Tavala, Dave and Joy global leaders with Tavala and Viiva, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, extra money for momma, fat loss, how to earn money from home, How to order from CTFO, Increase Energy, Increase Focus, join Dave and Joy, Join Dave and Joy at ViiVa, Join Dave and Joy top leaders with ViiVa, Join Dave and Joy with ViiVa, Keto cream, Keto Friendly Shake, Keto Perfect, KetoBooster, Ketocream shake, ketogenic, Ketogenic Diet, Ketopia, ketosis, leaders with mlm, Liquid Glove Hand and Surface Sanitizer, Mad Money for Momma, Tavala, top leaders and trainers Dave and Joy with ViiVa, Top Leaders and Trainers with Viiva, Top leaders Dave and Joy with ViiVa, Train with Dave and Joy, Training with Dave and Joy, Travel for less, weight Loss, Whey protein shakes, Why Join ViiVa with Dave and Joy, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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11 Key Points in considering Joining CTFO (Changing The Future Outcome)

Since 79 Million people are going to start a home based business in the next 5 years why NOT consider joining a company that is the past formulation phase & in massive growth with both wholesale buyers but also seasoned network marketers.

FREE membership… no credit card needed
Lifetime FREE membership
Free websites, landing pages, etc.
30% wholesale pricing for LIFE
First seven days everything you order you get an ADDITIONAL 20% off BELOW wholesale
If you bring in 3 people within 14 days who order a minimum of $47 you get $100 of FREE product
If you order a Pack within 30 days an additional 10% off pack!!!! (Silver, Gold or Platinum)
60-day money back ‘empty bottle’ guarantee!
Buyer’ s Club “Approach” which is what more and more people are doing, buying online.

You can qualify to EARN INCOME without having ever placing an order
Shop, Save, Share. How easy is that?

There are over 80 products offered at CFTO and as of July 2020, they are shipping to over 25 countries.

There truly is something for everyone!

PACKAGES (BEST PRICING)

HAIR GROWTH

PET PRODUCTS

SKIN CARE

NUTRITION
- Keto Meal Replacement
- Keto Creamer
- 10xPure Multivitamin

What category excites YOU the most? Have questions before you sign up and join for free? Call us at 802-846-7530 or email us at info@DaveandJoy.com.

Ready to get started? Simply go to www.DaveandJoy.com. (and sign up for free!) We are leaders with CTFO and part of the fastest growing TEAM! You’ll be in business FOR yourself but not BY yourself.

Dave and Joy/Leaders and Trainers with CTFO

802-846-7530

info@DaveandJoy.com

www.DaveandJoy.com

HOW TO Save an Additional 5% Each Month with CTFO

By workwithdaveandjoy | July 30, 2020 - 11:05 am |July 30, 2020 10x Pure, 6-figure income, 60-Day Empty Bottle Money Back Guarantee, Advantages of being on Dave and Joys ViiVa team, Appetite Suppressant, CBD, CBDa, CFTO, Dave and Joy, Dave and Joy, Dave and Joy and Tavala, Dave and Joy global leaders with Tavala and Viiva, Dave and Joy top leaders with Tavala, Dave and Joy ViiVa leaders, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, Digestive Enzymes, fat loss, How to order from CTFO, improves digestion, Increase Energy, Increase Focus, join Dave and Joy, Join Dave and Joy top leaders with ViiVa, Keto cream, Keto Friendly Shake, Keto Perfect, KetoBooster, Ketocream shake, ketogenic, Ketogenic Diet, KetonX, ketosis, Tavala, top leaders and trainers Dave and Joy with ViiVa, Top Leaders and Trainers with Viiva, Top leaders Dave and Joy with ViiVa, Train with Dave and Joy, training for women in network marketing MLM, Training with Dave and Joy, weight Loss, Weight Loss Shake, why CTFO now, women in network marketing, Work From Home, work with Dave and Joy, www.DaveandJoy

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HOW TO Save an Additional 5% Each Month with CTFO:

So you’ve become a member of the CTFO Buyers Club. Congratulations. As you may know, CTFO stands for Changing the Future Outcome…. and when we talk about change, we are talking about changing your Health & your Wealth. If you have NOT yet become a member of CTFO you can for FREE by simply going to www.DaveandJoy.com and join.

Here’s a simple question: WHY WOULD ANYONE NOT WANT TO SAVE $$$ ? We don’t know anyone who would say NO. to saving money so we’re going to show you a way to save 5% additional on savings each and every month. It’s called being on a monthly “AutoShip” or “Subscription”.

It is Silly not to to be on AutoShip! Here are FIVE AUTOSHIP REWARDS:

You receive a 5% Discount whenever you make an order. This includes all ONE TIME orders, you receive an additional 5% OFF.

You receive the convenience of getting your product/s monthly.

With a simple push of a button you can change or cancel your auto-ship anytime.

For those building a business, it assures that you will always be qualified to receive commissions. Associates do not have to order to get paid 20% of the CV on personal enrollments. Associates do need to place a minimum $47 US DOLLARS monthly order to get paid in the compensation plans matrix, uni-level & infinity.

There is no risk. You have 60 days to return the product for a full refund- We call this an ’empty bottle’ 60-Day Money Back Guarantee.

DIRECTIONS TO SAVE $$$

– Log into your CTFO back office (you’ll need your user name and your password)

– Click on “Place Order”

– Click on “Create New AutoShip”

– Simple Easy and it’s FREE to begin saving money. There are over 80 products to choose from and many different categories of products. Once again, if you are not yet a member of CTFO, you can join for free by going to www.DaveandJoy.com.

Have questions? Give us a call. We are leaders on the fastest growing team in CFTO. Call us at 802-846-7530, email us at info@DaveandJoy.com or find us on Facebook under Work with Dave and Joy, or Dave DeBerardinis and Joy Edgerton.

Customer Support is also available to help you! We are here to help and to serve.

Why Use the EXTREME SHAKE from CTFO?

By workwithdaveandjoy | July 29, 2020 - 4:07 pm |July 29, 2020 6 figure income earner, 6-figure income, 7-figure income, Alert, Appetite Suppressant, burn fat, CFTO, CTFO Buers Club, CTFO Buyers Club, CTFO Extreme Shake, Dave and Joy, Dave and Joy, Dave DeBerardinis and Joy Edgerton, Digestive Enzymes, Digestive Health, fat loss, improves digestion, Increase Energy, Increase Focus, join Dave and Joy, Keto cream, Keto Friendly Shake, Keto Perfect, Ketocream shake, ketogenic, Ketogenic Diet, ketosis, nutritional ketosis, shake, Tavala Trim, Train with Dave and Joy, Training with Dave and Joy, weight Loss, Weight Loss Shake, Whey protein shakes, Wholesale Buying Club, Why Join ViiVa with Dave and Joy, why Viiva, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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WHY WOULD YOU WANT TO USE THE EXTREME SHAKE?

Whether you are looking for a new healthy shake for a healthy meal replacement or you are serious about a shake that will aid in weight and fat loss- you’ll love the EXTREME Shake by CTFO. Take it from someone who have been consuming shakes WAY before they were popular and have tried at least 20 different brands over the many years.

These are the many reasons my husband and I have chosen this particular shake and brand. On top of that, they offer you a 30% wholesale when you join (for free, I may add) and a 60-Day empty bottle money back guarantee.

Here are just SOME (11) reasons we use and recommend the Extreme Shake… and we’re confident you can ADD to this list:

1. Advanced PROBIOTICS ❤️ for metabolism support

2. Advanced PREBIOTICS ❤️for metabolism support

3. MCT for Energy & Accelerated Fat Burn ❤️
4. Patented Sensoril Ashwagadha ❤️
– Eleven CLINICAL STUDIES / Real Science (Eight times strength of ASHWAGANDHA) :Sensoril® ashwagandha supports reduced belly fat, – Feeling of reduced stress, – More restful sleep- MENTAL Clarity, better Concentration, Sharper Focus & Better Memory
5. Supports Healthy Cardiovascular Function
6. Supports Homeostasis
7. Keto Friendly (only 3 net carbs)
8. Gluten, Soy & GMO FREE
9. Delicious
10. Affordable – Plus save money because it is a meal replacement / no swallowing pills to get all the benefits above.

11. Reduces sugar cravings supporting healthy weight loss and Enhances metabolism of stored carbs and fat

1.18 lbs. 15 servings, ExtremeShake^™ with Sensoril® Ashwaganda
Keto-Friendly formula

Undenatured and Diafiltered Whey Protein Concentrate, Ultrafiltered Milk Protein Isolate, Nonfat Dry Milk, Soluble Corn Fiber, Guar Gum, Acacia Gum, Xanthan Gum, Medium Chain Triglycerides (from Palm Kernel and Coconut Oil), Bacillus Subtilis (MB40 Strain), Ashwagandha Root and Leaf Extract (Sensoril®).

Other Ingredients: Natural Flavor, Coconut Oil Powder, Salt, Highly Purified Steviol Glycosides (Stevia Leaf Extract), Silical. Contains: Milk.

We’re so confident that you’ll love this product. Simply click below after the word NOW, to place your order.

Click here to ORDER NOW ⓘ

Free Member
Wholesale Price: $39.97

Retail Price: $52.97

Have questions? Give us a call. 802-846-7530 or email us at info@DaveandJoy.com \

www.DaveandJoy.com

Interested in getting $100 worth of FREE products? Here’s how with CTFO…

By workwithdaveandjoy | July 25, 2020 - 2:27 pm |July 25, 2020 6 figure income earner, 6-figure income, CBD, CFTO, Dave and Joy, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, join Dave and Joy, Keto cream, Keto Perfect, KetoBooster, Ketocream shake, ketogenic, ketones, ketosis, Shop Save Share, Tavala, top leaders and trainers Dave and Joy with ViiVa, Top leaders Dave and Joy with ViiVa, Work From Home, work with Dave and Joy, www.DaveandJoy

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JOIN THE HOTTEST BUYERS CLUB AROUND. There is NO fee to join, but as soon as you do, you have access to over 80 products and get wholesale pricing for LIFE!

On top of it, you can earn money by referring others AND CTFO (Changing the Future Outcome) offers everyone a 60-Day “empty bottle” money back guarantee.

WOW!

WHEN YOU JOIN AND REFER OTHERS MAKE SURE TO LET YOUR NEW MEMBERS KNOW – 3 Member = $100. Free Product.

Recently CTFO announced “We are so excited to announce our best sales promotion yet! You buy 1, then share and get 3 people to buy and you get $100 in product FREE!”

See Qualifications below for New Members Joining in July.

Associates who joined after June 30th, 2020:
You have 14 days from the day you created your account to complete all steps. For example, a new member who joins July 31st has until August 14th to complete all requirements.
You must make at least one qualifying purchase of $47.47 or more (this is after any applicable discounts on the order).

You must have 3 Direct Members place their first qualifying order.

Once you and your 3 directs have placed your qualifying orders, please reach out to our Support Center at CTFO to verify that you have completed all requirements. This discount does not happen automatically. Once our Support Team has confirmed this, they can place your next order with you with the $100 promotional discount. How do you do this? Simply call 707-449-4567.

This can only be done one time per Account.

The $100 discount is excluded from Auto-Ship Orders and Business Builder Packs of any kind.

The full $100 needs to be used on one transaction. If you only use a partial amount of the $100, you will forfeit the remainder, but if you are like us, there are so many products we LOVE at CTFO that we won’t have a problem spending the entire $100.

The $100 may only be used towards the PRODUCT PRICE and will not cover tax or shipping.

Join our fast growing team at CTFO and we’ll show you how to SHOP, SAVE and SHARE. We look forward to helping you shop and save and share.

Dave and Joy 802-846-7530 info@DaveandJoy.com www.DaveandJoy.com

What is CBD? WHO is CFTO?

By workwithdaveandjoy | July 21, 2020 - 3:56 pm |July 21, 2020 6 figure income earner, 6-figure income, 7-figure income, CBD, CFTO, CTFO Buers Club, CTFO Buyers Club, Dave and Joy, Dave and Joy, Dave and Joy top leaders with Tavala, Dave DeBerardinis and Joy Edgerton, Free Sign up, how to earn money from home, How to order from CTFO, join Dave and Joy, leadership, Leadership in Network Marketing, Super7, Tavala, top leaders and trainers Dave and Joy with ViiVa, Top Leaders and Trainers with Viiva, Train with Dave and Joy, Training with Dave and Joy, Ultimate Multi-Vitamin Mineral Supplement, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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I’m fairly new to the world of CBD… and yet have known for years that there are numerous health benefits. Rather than do a ton of research, I reached out to our friend Michael,and he shared THIS article through his blog. I hope you enjoy it. Since this article numerous products, including CBD products, have been added to CTFO’s “Buyers Club Network”. For more info go to http://www.DaveandJoy.com

What is CBD? Who is CTFO? Why is CTFO CBD the Best Quality on Planet Earth
Michael Swilling, January 28, 2018·

What is CBD?

Cannabidiol (CBD) is an organic, non-psychoactive therapeutic chemical compound found in the cannabis plant that belongs to a class of molecules called cannabinoids. Unlike the cannabinoid THC, CBD does not get you high and does not produce intoxication. CBD is one of many active cannabinoid chemicals found in the hemp plant that targets specific receptors in the cells of your brain and body called the Endocannabinoid System. When these receptors are activated, they enable a two-way communication between body systems, which is something that was previously thought of as not possible.

CBD is referred to as a “smart” molecule, as it acts as an adaptogen, a regulator, and a modulator. Studies show CBD has a much broader impact on health than THC, as about 80% of the health benefits of medical marijuana can be attributed to CBD.

CBD is becoming increasingly popular among the masses for having a wide scope of medicinal benefits. Research has shown that non psychoactive therapeutic cannabidiol may be used for both the treatment and prevention for a wide range of conditions, including arthritis, diabetes, addiction, inflammation and chronic pain, anxiety, schizophrenia and bipolar disorders, depression, epilepsy, and other neurological disorders. Because of its anti-inflammatory properties, CBD could even help treat acne.

Because you can’t get high with CBD, it is legal and safe to consume, even in high doses, and is available without a prescription in all 50 states. For many people, CBD is becoming a healthy addition to their lives. I encourage you to do your own research, educate yourself, and then incorporate CBD into your daily life with CTFO.

What is CTFO?

CTFO is Changing The Future Outcome, now a 5 year old company (as I share this July, 2020) originally based out of California (now Nevada) that is committed to offering the highest quality, lowest priced, and most effective CBD based products on the market.

What is unique about CTFO CBD?

Not all hemp is created equal and not all extraction methods produce the same quality. CTFO CBD is made from both the CBD isolate along with the full spectrum whole plant hemp oil. This combination provides a much higher potency of CBD while maintaining over 120 other cannabinoids and more than 400 phytonutrients that exist in the hemp plant, all of which have health benefits. CTFO’s extraction technology allows for the extraction of all of these nutrients, without using any heat or harmful solvents. The result is a whole food with exceptional nutritional qualities.

CTFO CBD is made from non-GMO, pesticide free, CO2 extracted hemp oil using only organic ingredients. All CTFO products are manufactured in the USA in a registered GMP, cruelty-free facility. CTFO sources their hemp from Industrial Hemp farms that are fully compliant with the State Department of Agriculture regulations. These farms use only the best, highest quality, organic hemp. CTFO CBD delivers the purest and highest quality CBD, along with over 400 other phytonutrients, in a naturally synergistic, easy-to-use and easy-to-absorb form. They are truly the best CBD oil products on the market.

CTFO’s CBD product line includes tinctures and capsules, anti-aging serums and creams, pain relief creams, oral sprays, and pet treats. Back in 2018 the most popular products were the ones listed below but to see the FULL line of products simply go to: http://www.DaveandJoy.com When you sign up for FREE to will have access to all the products at wholesale prices. Today in 2020 the #1 selling CBD product is the 10x Pure 1000 SuperGold. https://vimeo.com/347619247

· Pure Hemp CBD Oil Herbal Drops are tinctures ranging from 300mg to 1500mg used to promote relaxation and overall health, relieve anxiety, reduce nicotine cravings, and aid in digestion

· Pure Hemp CBD Energy Blast & Focus Oral Spray designed to help you focus and promote optimum energy throughout the day without crashing

· Sleep Support Spray is combined with a special blend of CBD, Melatonin, Valerian Root & other nutrients to help promote a long and restful sleep

· Anti-Stress Relaxation Oral Spray is infused with a blend of CBD and organic ingredients to help stimulate relaxation in the body and brain, while also helping to dissipate stress.

Here is an easy comparison of CBD’s. https://vimeo.com/391015118

What is the difference between CBD and CBDa? https://vimeo.com/336358872

NOW FOR THOSE OF YOU WHO ENJOY A DEEPER EXPLANATION IN SCIENTIFIC TERMS, READ ON…..

What is the Endocannabinoid System?

People have been using cannabis as a medicinal herb for thousands of years. Despite its long history of use, our understanding of how it takes effect on a cellular level has only begun to develop very recently. The surface has only been scratched on what cannabinoids are, how they work, why they have such an affinity with the human body and mind, and how it possesses such an enormous number of potential health benefits.

Research on the medicinal benefits of cannabis has led to the discovery of a biochemical communication system in the human body called the Endocannabinoid System (ECS). In the mid-1980’s, a cell receptor for cannabinoids was discovered in the brain and central nervous system. It was appropriately name CB1 (cannabinoid receptor number 1). This discovery begged the question: why is there a receptor in the brain specifically for receiving the cannabinoid compounds found in cannabis? And, could it be that the CB1 receptor is actually there for receiving chemicals naturally present within the body? So the research expanded from only studying the cannabinoids in cannabis to looking for cannabinoid-like compounds produced within the human body that also acted on the CB1 receptor. Because the body’s own self-produced cannabinoids were endogenous, they were appropriated named “endo-cannabinoids.”

Eventually, a second receptor was found and named the CB2 receptor. Researchers speculate there may be a third cannabinoid receptor yet to be discovered. CB receptors are present throughout the whole body. CB1 receptors are predominately present in the brain and nervous system while CB2 receptors are more prevalent in the periphery of the body.

Endocannabinoids are believed to be integral to the immune system, mental function, stress management, as well as the body’s ability to achieve and maintain homeostasis. The endocannabinoid system is involved with regulating many basic functions of the human body, including appetite, metabolism, pain, sleep, mood, movement, memory and learning, immune function, inflammation, neuroprotection, cardiovascular function, and digestion, to name a few. Besides maintaining basic functions, the endocannabinoid system also acts in response to illness. But through stress, toxicity, poor diet and lifestyle choices, there is a very real possibility that we can develop an endocannabinoid deficiency, meaning that the function of the endocannabinoid system may become impaired. This is why supplementing your diet with therapeutic cannabinoids found in the cannabis plant is wise and can be very beneficial, giving the body what it needs to heal itself and support the homeostatic process.

We already have the organic infrastructure in place to fully utilize the constituents in cannabis because the plant produces a spectrum of bio-identical compounds that perfectly mimic the endogenous chemicals that are produced within our own body, which is what makes this all so very interesting and enlightening.

While there are known health benefits associated with THC, controversy surrounds the legalization of medical marijuana because THC gets you high. If you take the THC out of marijuana, what argument is there left to debate?

-Thanks Kevin Laird for this article

We certainly are NOT experts on CBD but we know it is a multi-billion dollar market and more and more people world wide are using it for their health. If you’d like additional information contact us and we’ll put you in touch with the product directors/doctors who work with CTFO for a conversation.

Dave and Joy

802-846-7530

info@DaveandJoy.com

http://www.DaveandJoy.com

What’s the BEST Way to Build Your Immune System?

By workwithdaveandjoy | July 21, 2020 - 12:44 pm |July 21, 2020 6 figure income earner, 6-figure income, 60-Day Empty Bottle Money Back Guarantee, 7-figure income, CFTO, Changing The Future Outcome, CTFO Buers Club, Dave and Joy, Dave and Joy, Dave and Joy's FREE Rebate Club, Dave DeBerardinis and Joy Edgerton, Free Sign up, join Dave and Joy, Money Back Guarantee, Super7, Train with Dave and Joy, Training with Dave and Joy, Ultimate Multi-Vitamin Mineral Supplement, women in network marketing, Work From Home, work with Dave and Joy, work with Dave and Joy, www.DaveandJoy

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Most people care about their health however often don’t DO anything about it until there is a health challenge. We are living in uncertain times here in 2020 … with the fear of the pandemic of Covid-19, as well as uncertainty of what people’s future will look like. Many jobs have been eliminated, many industries disrupted and many people on the brink of bankruptcy. Bankruptcy with their HEALTH AND with their WEALTH.

One thing for certain things are NOT the same as they were back in early 2020.

When people live in fear, they have a host of stress hormones that run rampant in the body and can cause “dis-ease”. As someone who has been in the health and nutrition industry most of my adult life, I am always open to learning of products that can both build and boost the immune system. Easy to purchase, easy to take and easy to afford.

We recently came upon a ‘health buyers wholesale club’ approach that has what we believe will be a game changer in our lives as well as for a business opportunity for those looking for a way to generate additional income from home. In this FREE CLUB, you have access to over 80 products. Two of the ones we are especially interested in sharing are the Super7^TM and the Ultimate Multi-Vitamin.

These two products together are the building blocks to keeping your body healthy and your immune system strong! You know what CFTO did to help make it affordable? They combined two of CTFO’s most potent products, 10xPURE Ultimate Vitamin^TM and Super7^TM into their new Immune Essentials Combo Pack!

Super7^TM is a delicious blend of the world’s 7 major Super Fruits; Amalaki, Acai, Goji, Mangosteen, Pomegranate, Blueberry and Cranberry. While providing vitamins, antioxidants, energy, enzymes and much more, CTFO has combined all 7 Super Fruits into a perfectly blended, synergistic immune support chewable. This powerful little chewable not only tastes great and is naturally flavored, it also has the ability to help rid your body of free radicals and even help improve your skin!

This pack contains everything you need to keep your immune system operating at its most optimal level! CTFO is so committed to your health, rather than paying the normal $49.97 each, you can get both of these amazing products for just $59.97 the first time you place them on Autoship!!! As long as you don’t change or delete your Autoship, you will continue to get this Amazing Combo Pack for $59.97 each time your Autoship processes for LIFE!

To learn more, check out the video below.

https://daveandjoy.myctfo.com/boost.html

Join our CTFO ‘Club’ today. It’s FREE to join and you automatically get wholesale prices. Also there is a 60-day ’empty bottle’ money back guarantee so there is literally no risk to you.

These two products together are the building blocks to keeping your body healthy and your immune system strong!

Dave and Joy

802-846-7530

info@DaveandJoy.com

http://DaveandJoy.com

Category Archives: CFTO

CTFO Income Opportunity

CTFO Income Opportunity

Then as more people discovered their hybrid 4-part pay plan with copyrighted Profit Sharing Positions that can literally multiply your income from the same sales volume, the word started to spread that there’s something totally different going on at CTFO.

No gimmicks, no gotchas. It’s absolutely Free! You can be in business for yourself, but not by yourself. As I write this is it July 2020 and CTFO is entering Momentum. This is very exciting timing……

CLICK HERE to read our detailed Compensation Plan Overview.

CLICK HERE to view our Compensation Plan Chart.

Join Us in The Hottest Wellness Trend & Next Billion Dollar Industry!

Considering Joining CTFO? Here are 11 Key Points in why WE Joined…

HOW TO Save an Additional 5% Each Month with CTFO

HOW TO Save an Additional 5% Each Month with CTFO:

Why Use the EXTREME SHAKE from CTFO?

WHY WOULD YOU WANT TO USE THE EXTREME SHAKE?

Free Member
Wholesale Price: $39.97

Search this site

CTFO Income Opportunity

Then as more people discovered their hybrid 4-part pay plan with copyrighted Profit Sharing Positions that can literally multiply your income from the same sales volume, the word started to spread that there’s something totally different going on at CTFO.

No gimmicks, no gotchas. It’s absolutely Free! You can be in business for yourself, but not by yourself. As I write this is it July 2020 and CTFO is entering Momentum. This is very exciting timing……

CLICK HERE to read our detailed Compensation Plan Overview.

CLICK HERE to view our Compensation Plan Chart.

Join Us in The Hottest Wellness Trend & Next Billion Dollar Industry!

Stuart Finger: Founder

Steve Finger: Chief Executive Officer and President

Michael Kahn: Chief Operations Officer, Treasurer and Secretary

Steve Sakal: National Training Director

Meagan Harris: General Manager

A little more about CTFO

Our Vision:

CTFO provides tools to empower people in business, health and serving others; demonstrating the Good News with quality, integrity and generosity.

Our Mission:

Our Core Values:

HOW TO Save an Additional 5% Each Month with CTFO:

WHY WOULD YOU WANT TO USE THE EXTREME SHAKE?

Free Member Wholesale Price: $39.97

Search this site

Free Member
Wholesale Price: $39.97