Category Archives for "MLM-Programs"

Is MMM Global a Ponzi Scheme? Yes, It Is. – Stay Far Away from It!

MMM Global is a company with huge promises. They promise you a big profit with even 5-15 minutes of work per day. Is MMM Global a Ponzi Scheme or can you really make big profits? This is what we have found out.

Is MMM Global a ScamName: MMM Global
Founded in: 1989
Founder: Sergei Mavrodi
Field: Ponzi Scheme Company

What Is MMM Global?

MMM Global claims to be a community of people providing financial help to each other and they are fast to defend that they are not a multi-level marketing (MLM) or high-yield investment program (HYIP).

The original MMM was one of the largest Ponzi schemes of all time, orchestrated by convicted fraudster Sergei Mavrodi who eventually escaped prosecution by being elected to the Russian parliament and hence obtaining immunity. The scheme collapsed in the 1990’s, with estimates ranging from 5-40 million investors losing up to US$ 10 billion. In July 1994, the offices of MMM was closed by the Russian police for tax evasion, as they owed more than $25 million in taxes. Unfortunately, it was reported that at least 50 people who invested in the scheme committed suicide.

However, in 2015, the scheme resurfaced in a few emerging markets across the world (notably South Africa, India, Philippines, Malaysia, Zimbabwe, and Nigeria), promising investor returns of up to 240% per month. They are known for using poetic language about selflessness, helping others and destroying the world’s unjust financial system, with a now popular theme of “Together we can change the world” which probably strike a chord with their target audience and users who fall victim to Ponzi schemes.

=> Tired of Ponzi Schemes? Learn to Make Honest Money Online!

How does MMM Global work?

First let’s take a look at what a Ponzi scheme is, right?

A Ponzi scheme is a fraudulent investment scheme whereby the scheme pays money to exist investors from contributions made by new investors. However, the scheme often collapses when it goes short of new investors since it relies on money from them to pay existing investors. When a delay in payment begins to occur, it usually triggers a panic, where all investors suddenly ask for their investments & promised gains. Until then, they realize that nothing will be paid to them.

So, now that we fully understand what a Ponzi scheme is, let’s take a look at how MMM Global works…

Most participants tries to explain that you simply give some specific amount of money to the community when you join which is popularly referred to as “Provide Help” and that eventually the community will eventually return back the money you deposited, plus a lot more which they refer to as “Get Help”. There is no form of investment or business transaction that occurs, you simply “Give Help” by paying some money to someone you don’t know and wait for a specific number of days to have your money back with even a greater yield.

They also claim that there is no central or middle account, where all the money flows to (hence it cannot be stolen), all the money donated are distributed to all the participants in the community, and that MMM only provides the technical basic program, which helps millions of participants worldwide to find those who need help and those who are ready to provide help for free. This has always been a major force toward the sustenance of the scheme.

I always recommend my readers to build a real online business where they can provide value for their followers. It’s an opposite of the Ponzi scheme. I have a step-by-step training so you can create a successful online business as well.

MMM Global Commission Structure

It is very simple to join, and once you join you must ‘Provide Help’ to others by depositing a certain amount starting from $10. When you want to ‘Get Help’ you just withdraw the available funds in your account, which must have been provided by other new investors. At this time, expect that your initial investment must have been doubled in value with accumulated interest. I call this magical cash gifting at its worst.

However, to always keep the first investors happy, the scheme has to find some new investors. From this set of new investors, the scheme tends to pay the first group of investors with their first returns and probably siphon some money for his own personal use.

While the second set of investors will be expecting a payout, the first group will also be expecting more returns. Hence, more new investors will be needed to pay the first two sets. This keeps recycling itself, with a constant stream of new investors always needed to pay existing members.

Eventually, the losers in the scheme are the ones that “Provide Help” at the beginning but are not able to “Get Help” when they request, and the winners of the scheme are those that have gone through the process over and over again.

Is MMM Global a ponzi Scheme

MMM Global has lots of testimonial on their website but I guess that they are fake

MMM Global Training and Support

There was nowhere I could find any meaningful training that new investors must undergo prior joining the Marvo scheme. What I was able to find are encouragements and rewards if you share MMM cash gifting scheme with others on YouTube and Facebook and recommending people to join on other social media platforms.

Pros & Cons


  • Free to join, as the community is open to everyone.
  • A participant can get up to 240% more from his donation.
  • They claim all donations are delivered directly to the participants in the community, so therefore it’s impossible for MMM to Scam you.
  • The System of MMM will make it sure that all the donations of the participants are confirmed.


  • Its business model which is known as pyramid or cash gifting scheme is known to collapse.
  • Delays and continuous changes in Marvo (currency) payment dates.
  • People complain of frozen accounts, and in many countries, bank freezes account of participants of the scheme.
  • The owner Sergey Mavrodi is well known for running similar scams which defrauded participants.
  • Due to its negative reviews, it has become difficult for new people to be recruited.
  • As a result of panic, most people are leaving once they withdraw their funds.
  • The system is reliable as there are reports of millions in fake deposits.

 Conclusion – Is MMM Global a Scam?

I must say am still quite surprised that people are still investing in schemes devised by Sergei Mavrodi, who has been convicted for involvement in Ponzi scheme since the 1990’s. Unfortunately, even the authorities are not able or don’t want to do much about stopping these schemes right now.

People are stuck in this schemes with the hope of making tons of money. Investing in a scheme that offers returns of up to 240% per month is indeed a big risk. Though you might make money from it, but there is a high possibility that you will lose all of it. Even, MMM Global admits that there is no guarantee that you will make money, and there is a possibility that you might lose all of it. But, because there are people who actually make money out of the system, everyone wants a piece of the pie, and this is the reason MMM Global is still alive after all the scandals that happened about two decades ago. I wonder why we forget the past so soon!

My sincere advice to everyone is to please stop risking your money on such systems.

If you are interested in making money online honestly, I have a great opportunity for you. It’s not a Ponzi scheme, “get-rich-scheme” or something like that. It is a step-by-step training that teaches you hand-by-hand how you can make money online. It’s also 100% free to join. You will get 10 interactive video lessons, 2 websites and my 1-on-1 mentoring you free.

=> Put Your Credit Card Away! Start a Free training to Make Money Online!


Have you encountered other Ponzi schemes? Which one?

Let me know in the comments below! 🙂


Is the Infinity Downline a Scam? Yes, Another Pyramid Scheme.

Today we are going to find out Is the Infinity Downline a Scam. Another name for this program is National Wealth Center and it has been around already since 2008. Here is what our YourOnlineRevenue-team member found out about this program. Enjoy!

The Infinity Downline Review

Name: Infinity DownlineIs the Infinity Downline a Scam
Founded in: 2008
Field: Affiliate Marketing

Overall Rank: 10 out of 100 (Check out my #1 recommendation)

What Is the Infinity Downline?

Infinity Downline doesn’t actually have a home page. It takes you to a website called National Wealth Center which appears to offer many packages, but no information about those packages. The Infinity Downline is what you get when you order the self-development package.

How to Make Money with the Infinity Downline?

Infinity Downline lets you make money by referring other people who join and buy the packages. Their compensation plan is based on the idea that you first pay $25, and then the people who sign up after you will pay $25, and you’ll be making that. But it’s circular, because you have to pay a monthly fee of $25, and you only make money by signing other people up.

So you have to keep getting other people to register in order to make any money. It’s possible to make money with this, but you won’t be selling a service. You will literally just be selling a membership that lets you sell memberships. That’s not a very stable business plan. I recommend learning a few skills to build a real online business.

=> Get Step-By-Step Training to Make a Living Online!

The Infinity Downline Training and Support

Infinity Downline claims to have unlimited customer support, which in theory sounds nice. They say it’s unlimited support but only within reason. One of the things that is disconcerting about the website is that when you want to join or do anything, it takes you to the other website.

Neither of them has SSL certificates, and I haven’t seen anything that has a section for you to actually be trained, aside from the video that’s shown on the compensation plan page. They claim to offer other videos to those that sign up. They also have a contact section, only a for, on the other website.

There doesn’t seem to be testimonials of any kind on either website. They also don’t mention what payment methods they payout through. The fee you have to pay is almost monthly, and there are reviews online claiming to have referred people and never been paid. It’s safe to say that Infinity Downline is a pyramid scheme. Don’t fall for these scams but learn to make money online by providing real value.

The only way you can make money is if you sign up more people than you. It isn’t designed for the people at the bottom who just come in to make money. It is rather designed for the creators, who will continue to make money for everyone who signs up in hopes of making money.

Is the Infinity Downline a Scam

National Wealth Center has also some conferences in the U.S.

How the Infinity Downline Works?

Infinity Downline presents itself as a course database of videos and training, for things like self-development all the way to SEO and marketing. They sell monthly memberships to them, some packages costing as much at $7,500 dollars. However, they don’t say much about the courses.

They turn all the attention to being able to make money for selling these courses to other people, who of course also only want to make money. But the whole time you will still be paying $25 dollars to the person above you. The person at the top is making the most money. It’s a pyramid scheme because they aren’t selling self-help tools or videos, they are selling a way to make money, and the only way to do it is through signing up others who also want to make money.

They also spice it up with the many “perks” to get you more interested. They say things like “unlimited customer service” although they do not have a contact page or a phone number. Somebody could call the Infinity Downline also a ponzi scheme. Or what do you think?

=> Tired of Pyramid and Ponzi Schemes? Learn How You Can Make Money Online Honestly!

Pros & Cons:


  • They have unlimited customer support, so there is always someone who will be there to help you or answer your questions, although it doesn’t say whether they are open 24/7, or let you contact them and ask questions until you have already registered, or you through it do the main site, in which the person who registered you won’t even get commission.


  • You have to pay $25 every month just to stay in the program.
  • It is a pyramid scheme and you are only selling the idea of making money.
  • The only way to be profitable is to enroll much more people than being a member is costing you, and to get them to be able to, otherwise they won’t stay in the program and you won’t make any money.
  • They promise that you can make money with it. But are there any guarantees?

Conclusion – Is the Infinity Downline a Scam?

Yes, it is. If company’s idea is just to make money from the downlines, it lacks a solid foundation. In general, I don’t like the idea of MLM-programs (pyramid schemes) because products are overpriced. There are so much hype and so little value. I know that there are many people who have become rich with MLMs but probably it’s not a way that I want to make money.

My recommendation is to make money by providing value for other people’s life. You can sell tennis rackets, fitness nutrition, online courses, laptops, diapers, food or literally anything. You don’t need to make your own products because nowadays you can sell other people’s products through affiliate marketing.

=> Get 10 interactive video lessons, 2 websites and my 1-on-1 mentoring for free.


What do you think about the Infinity Downline? Have you encountered some similar pyramid schemes?

Let me know in the comments below! 🙂


Is ACN a Ponzi Scheme? Check Out Our Honest Answer!

Today we are going to take a closer look at ACN. It has been in the business already since 1993 but there are lots of negative reviews and complaints on the Internet about their company. Is ACN a Ponzi Scheme? Let’s find out!

Is ACN a Ponzi SchemeName: ACN (American Communications Network Inc.)
Founded in: 1993
Founders: Greg Provenzano, Tony Cupisz, Robert Stevanovski and Mike Cupisz
Field: Multi-level Marketing (MLM)

What Is ACN?

ACN is a multi-level marketing (MLM) company that offers an opportunity to earn income. ACN provides telecommunications, energy, merchant services, and other services, through a network of independent sales agents known as Independent Business Owners (IBOs) who work on a commission basis.

These Independent Business Owners are able to recruit new people as sales agents and are also eligible to earn residual income and bonuses through the acquisition of individual customers, as well as customers recruited by other IBOs under them. With its business model in place, ACN claims to have helped people around the world achieve financial independence while saving them money on services they already use.

ACN Products

Is ACN a Ponzi Scheme

ACN also claim to be one of the biggest telecommunication, energy and vital services for both businesses and homes because they offer numerous products and services for both distributors and consumers. ACN focuses on products and services that are essential to consumers, which they seem to be doing right. ACN do not require its distributors to purchase services they do not already use on a regular basis because the company prides itself in helping people save money on everyday expenses such as:

  • Cell Phone Plans- Get phones and plans without any contract on Sprint’s 4G LTE Network or Verizon network.
  • Home Security & Automation- Choose from two brands (Vivint and ADT)
  • Home phone services- for Local Long Distance Calling
  • Energy – Choose from Natural Gas (XOOM energy), Electricity and Solar Power plans at either fixed or variable rates, and no charge for delivery or maintenance.
  • Television Channel Plans- DISH or DIRECTV
  • High-speed Internet Plans- in AT&T or CenturyLink territories or others.

Certainly, most of these plans come with a great value, For example; the XOOM Energy was recently ranked 500 positions on the list of America’s Fastest-Growing Companies. Also, the Flash Wireless service offers an economical $36 plan for minimal usage: you get to the text, talk, and surf the internet.

Services may be bundled, resulting in enticing rewards for customers. Bundles can bring about $200 to $500 in rewards to customers, depending on how many services are selected.  However, the bundle rewards offers are limited, so you should always check the ACN website for updates.

In my opinion, the problem with MLM-systems is that the main focus is not usually in the product but in the system. They concentrate more on recruiting rather than thinking about their products. Of course, they always say that the products are the best in the world but most of the time they are just much more expensive than their counterparts.

With affiliate marketing, you don’t need to sell overpriced products that you can choose whatever products you want to promote. You have more freedom and more possibilities.

ACN Commission Structure

Since ACN is a Multi-level marketing (MLM) which can also be referred to as network marketing company, like other MLM businesses there is no new selling strategy. They simply start with a single independent sales agent whose job is to sell the company’s product and also recruiting sales agent.

You basically earn commission on the basis of the quantity of product sold and also for signing new sales agents. However, the chance of earning additional money comes from the commission of the total sales of agents you recruit. The additional sales agents recruited also carries the responsibility of recruiting other agents, this results in multiple levels and an endless stream of sales agent recruiting agents.

The basic commission is a percentage of your customers’ monthly billing amounts. Commission starts at 2% and can go as high as 8% of the total of all your customers’ monthly bills. Let me explain better with this example; if the total monthly billing for all your customers is $10,000, you earn 70%, or $700 commission each month.

Also, depending on the number of sales agents you recruit, you can also earn between ¼ and 6% of the total of their customers’ monthly bills. Lastly, you can earn a bonus of $90-$275 monthly when new agents you recruit are able to generate a roster of six to eight customers within 30 days of becoming an agent.

Is ACN a Ponzi Scheme

MLM-conferences remind me of revival meetings.

Unlike some Multi-Level Marketing companies that do not require you to “buy in,” ACN does. ACN offers two options which carry with them different expectations and opportunities. Firstly, you can decide to pay a startup fee of $99 and become a customer representative of the company- you opt out of recruitment expectations and focus mainly on making money by selling products. Secondly, you can decide to enter as a team trainer by paying $499, which carries with it bigger expectations and opportunity to earn a higher income.

But the truth be told, ACN is in a market that is super saturated with numerous MLM companies that offer similar products & services, and therefore, recruiting numerous agents is where the significant amount of money can be made. For people like me, I have a problem with that, I prefer simple things like; make a sale and earn a commission, but no downlines and massive recruiting. However, if you are passionate about recruiting and creating a downline, you might just like ACN but if otherwise, you will definitely have a tough time building this business.

=> Tired of Complicated Commission Structures? Earn Passive Income with Affiliate Marketing!

Pros & Cons


  • They have been in business since 1993, which means that they have a sound foundation and are very unlikely to disappear anytime soon.
  • They sell quality products.
  • You get refunds a few days upon joining.


  • Earning good money requires huge sales.
  • You are subject to a down line dependency.
  • Signup cost is high.
  • It has many negative reviews, which can give you a hard time promoting it.
  • Products are easily overpriced because it’s an MLM-system

Conclusion – Is ACN a Ponzi Scheme?

I will like to start by saying, I think ACN is not a scam, being around for over 23years and operating in all continents of the world (except Africa) can be considered highly remarkable. It is no doubt one of the most recognized multi-Level Marketing companies and has won numerous reputable awards for itself.

On the other hand, there are many divided opinions and negative reviews about ACN, it also has a higher signup cost compared to other Multi-Level Marketing companies, and if you do not have the right set of skills to sponsor people or have access to lots of potential leads, you might want to think twice before spending that much on application fee.

I don’t personally like MLM-programs because many times they have overpriced products compared to ones that you would be in a normal supermarket. They must be expensive because there are so many people who want to get their salary.

I prefer affiliate marketing over MLM for many reasons:

1.You don’t need to recruit other people
2.Products are not overpriced. On the contrary, you can sometimes offer a good discount.
3.You can sell any products you want.
4.Your earning potential doesn’t depend on your downlines
5.You can earn a huge passive income

If you want to learn how to become a successful affiliate marketer, I recommend joining Wealthy Affiliate. It is world’s biggest community of successful affiliate marketers with more than 800,000 members. They have a step-by-step training that’s proven to work. In addition, you will get 10 interactive video lessons, 2 websites and my 1-on-1 mentoring for free.

=> Put Your Credit Card Away! Join Wealthy Affiliate for Free!


Have you experience of ACN or some other MLM-programs? What kind of experiences did you have?

Let me know in the comments below! 🙂


Is Endless Xpressions a Scam? No, It’s Not But…

Endless Xpressions Review – Is Endless Xpressions a Scam?

Name: Endless XpressionsEndless Xpressions
Price: Around $49 to get started
Founder: Kristine Street

Overall Rank: 40 out of 100 (Check Out My #1 Recommendation. 98 Out of 100)

What is Endless Xpressions?

Endless Xpressions is an MLM company that is selling women’s products. They have several different products which include

  • Clothes
  • Jewelry
  • Handbags
  • Coloring books
  • Footwear
  • And more products are coming (even some men’s products)

Endless Xpressions differs from many other MLM companies that I have reviewed because they have some useful products (unlike Elite Marketing Pro, Phoenix Power Rising, and many others).

Their products are not ultimately expensive and this opportunity seems much better than most of the MLM systems.

=> Tired of MLMs? Try My #1 Recommendation to Make Money Online!

How to make money in Endless Xpressions?

Making money in Endless Xpressions is simple (but not easy!).

There are two ways

1.Direct Selling

In Endless Xpressions, you will earn 30% commission for all the products that you sell. If you sell, for example, a bracelet for $10, you will make $3.

When you sell ten bracelets for $100, you earn $30.

NOTE: You Need to make at least one sale per month to continue with Endless Xpressions.

2.Commissions from Downlines

Like in all of the MLM systems, you can also earn commissions from your downlines.

In this system, you will receive 5% on your first level of downline and 3% for the second tier.

Let’s say for example that the person you invited sells the products for $100. Then you will earn $5 as commissions.

The more people you invite and the more they sell, the more you will earn.

A positive side in Endless Xpressions is that the reward system is quite simple. You don’t need to learn complicated systems how to earn from the sixth downline like in some other MLM systems.

Endless Xpressions commissions

Earn money from the downlines (Click the Image to make it large)

Who is Endless Xpressions For?

Endless Xpressions is mainly targeted for the women. Of course, men can also join the system and make money, but most of the products are targeted for women.

If you believe that you have excellent sales skills or if you are willing to learn, you can try it.

First, you can explore their products on their website. If you are not into women’s clothes, jewelry, and other related products, I think that this is not for you. But if you are using that kind of products yourself this could be one option to make money.

But remember that earning money in Endless Xpressions requires lots of work and selling.

Endless Xpressions is quite a new company (founded in 2014), so people don’t automatically trust them as much as the older and bigger companies like Amazon and Ebay.

3 Ways to Getting Started

You don’t need to pay millions to get started. There are three options: Basic Kit, Middle Kit, and Full Kit.

I will explain they mean and what you will get with each of these kits.

1.Basic Kit.

Basic Kit the cheapest way to get started, only $10. But in this kit, you only get the website and not any products that you could sell. According to my logic, you are forced to start from the second or the third one to make some real money.

2.Middle Kit

If you start with the Middle Kit, you will be given the website and products to sell. The cost of the Middle Kit is $49. Not too expensive if you compare to many other MLM systems where your monthly fee can be even $200.

is Endless Xpressions a scam or legit

3.Full Kit

If you want to get the fastest start with Endless Xpressions, Full Kit is for you. It costs $99 and you will get the website, products to sell and other materials to help you to get started.

If you start in Endless Xpressions I would recommend starting with the Middle Kit or the Full Kit because with the basic package you get only the website but not the products.

Is There a Comprehensive Training in Endless Xpressions?

To the question if they have any training in Endless Xpressions, they have answered:

“Yes, we have a Corporate Facebook group designed to help representatives, share graphics, documents, training, announcements and more! We also will be holding corporate training calls and offering more training tips in the future.”

In reality, it means that their FB-group equals more or less to their “training.”

To succeed in MLM business, you need to become a good salesperson. You will need to sell lots of products or convert many people to join the system and earn money when they make sales.

If you don’t have much prior experience of selling it can be quite challenging. I know that you can learn anything you want, but I just want to make clear that any MLM system is not a fast way to riches.

One drawback in Endless Xpressions is that they don’t provide comprehensive training on how to sell the products more efficiently.

There are some resources to help you to get started but probably, not enough for the beginners.

For the beginners, the idea goes like this: we throw you into the sea and let’s see if you can swim (=sell). Most people sink (=end their business), but some persistent learners manage to learn without the excellent training.

Products in Endless Xpressions

Do you know why I don’t like most of the MLMs?

The products are overpriced! If you go to the local store, you can find an entirely similar product for $5 while MLM system is selling it for $50. They are selling ordinary stuff with the luxury prices.

I was surprised that the prices in Endless Xpressions are not so high. You can find the products for entirely reasonable prices.

There are no handbags for $100 or $200. Of course, some are more expensive than the others, but that is just natural.

is Endless Xpressions a scam

Some examples of their products (click the image to make it larger)

Pros & Cons


  • Useful Products
  • Not very expensive
  • Simple compensation plan
  • Reliable system


  • No comprehensive training
  • You don’t own your business (MLM system)
  • Probably very challenging without prior experience of selling

My Final Opinion of Endless Xpressions

Endless Xpressions is not a scam, and it surprised me positively. After reviewing many of the MLM scams, I was expecting something worse, but after researching their system I found out that it’s not so bad at all.

Still, Endless Xpressions is not a way to easy money, and you need to be ready to sell a lot.

I believe it could be quite challenging to earn a full-time income with Endless Xpressions but selling their products as a hobby can be an option.

I prefer affiliate marketing because the potential to earn passive income is much higher, and I can sell whatever products I want. In other words, I don’t need to have own products.

There is also a step by step training on how to get started in affiliate marketing and I believe it’s easier for the beginner that “jumping to the sea” with MLM system.

If you are interested in learning to make money online you can start the training for free today.

Endless Xpressions at a Glance…

Name: Endless Xpressions
Price: Around $49 to get started
Founder: Kristine Street
Overall Rank: 40 out of 100

VERDICT: OK system but not the easiest way to make money.

I hope you find this review useful and it helps you to decide whether or not to try Endless Xpressions.

Do you have experience with Endless Xpressions or with the other MLM systems?

Leave the questions and the comments below and I will be more than happy to respond.

1 11 12 13