Nowadays in the world there is a huge number of different financial institutions that promise to its depositors or that "reward" in the future, as a rule, much more than can be obtained through a bank deposit.One of these structures is the pyramid scheme.Sometimes it is called an investment, but it does not change the facts.
In Russia, an outright ban on conducting such an activity does not exist, although S. Mavrodi at the time did everything to ensure that the phrase "financial pyramid MMM" is remembered by many for a long time deceived investors.There is a saying, "History teaches that it teaches nothing."New financial pyramid Mavrodi, which he organized in 2011-2012., Again found wanting to get fast and fabulous profits, and there are still people who believe that MMM - a unique chance to secure their future.
What is a pyramid scheme?
all existing organizations of this kind belong to one of two types:
- Ponzi scheme
- multilevel pyramid
Ponzi scheme got its name from the surname of an enterprising American Charles Ponzi who ran a pyramid in the United States in the early 1920sies.Despite the fact that such schemes were known up to that time, that Charles Ponzi pyramid scheme because of the involvement of large numbers of people in the United States has received very wide coverage.
How it works is that the organizer promises to potential participants to invest in the project funds, while promising "guaranteed" and very high returns in a relatively short time.Participants are not necessary to attract new partners - they just need to wait a certain period of time.In the beginning, when the number of people in such a small project, the organizer pays them money from his own pocket, then quite old participants are beginning to invest again, spreading a rumor about the incredible profits and the number of those wishing to increase.As soon as the flow of new entrants starting to weaken significantly, the organizer assigns all the money and disappears.This principle was organized by MMM and the investment firm B.Medoffa.
multilevel pyramid scheme works a little differently.Under this scheme, each newcomer must first make an entrance fee.This amount is divided between the right of the man invited the novice and the earlier members of the pyramid, which was invited to have already invited.After the initial fee required to attract even a novice at least two people and the process continues with each new level.Sooner or later, such as multi-level pyramid collapses.The reason is simple: for such a structure it is necessary that the number of participants grew exponentially, ie,very fast.For the first 10-15 steps may not be enough even the entire population.Therefore, about 80-90% of the participants after the payment of the entry fee remains empty.
How to recognize a pyramid?
With the development of Internet, more and more there is a variety of projects, offering quick and guaranteed to earn while spending little of your time.And there are people who believe these promises, transfer money ... and then scratching their heads over how to get them back.In each of us deep down there is a child who wants to believe in miracles, freebies and profit.So what happens ...
order not to fall for the bait and not to lose your savings, you need to check with the project you are interested in three things:
1. Do not promise to yield a huge project?If the promised monthly income must be more than 30% it is the first sign of a pyramid.
2. Strong advertising and public relations.The organizers of the pyramid is always first seek to attract more people.
3. Easy and simple logon in conjunction with a small contribution.
financial pyramids are now very much, there are an average of no more than five years and then reappear under a new name or in a different location.They can earn only on condition that the luck to become one of the first participants, however, whether it is generally done?I believe that there is, and I hope that you will be with me completely agree.
