when you put money in MMM please don't call it an investment. I think that's an insult to hardworking people who loose sleep trying to make their money grow. Ponzi schemes are scams and tempted as I have been I will never put my money in there. It's not an investment, its a GAMBLE. In gambles you may win or lose without having to do proper mental calculation. I know many people won't stop doing it but when you want to repeat the story, please say 'I gambled with MMM' not 'invested'. Just some correction.