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Netsurf Launches three New products under its Healthcare range ‘Naturamore’
Netsurf Network, India’s leading direct selling company has introduced 3 new herbal and organic healthcare supplements under its healthcare category ‘Naturamore’. The Naturamore range comprises of nutraceuticals that are designed to help achieve a healthier lifestyle.

Netsurf Network has a consumer base of more than 2.5 Million and more than 60 products across various categories that include healthcare, beauty, personal care, homecare and agriculture. Given the gravity of Covid 19 pandemic, consumers are placing significant emphasis on self-care as they make healthy choices and opt for wellness-focused products.

The 3 newest products include:
- Naturamore Eye Care: In today’s technologically advanced world, every problem’s solution is available at your fingertips. This lockdown has us glued to our screens all day. Be it work-from-home, online shopping, paying bills, watching content on digital platforms and even kids’ school tuitions, everything is accumulated in that backlit screen. While we take measures to boost our body immunity, do we go that extra mile to de-stress our eyes?
Naturamore Eye Care, the herbal tablets by Netsurf Network helps to protect eyes from the harmful effects of blue radiations of mobile and computer screens, bright lights, pollution and poor nutrition. Naturamore Eye Care contains a unique and powerful blend of Ayurvedic herbs like Amalaki, Bibhitaki, Haritaki, Moringa, Bilberry, Curcumin and Lutein and Zeaxanthin. Nourishing the vision internally, optimizing normal vision, supporting healthy functioning of the retina, protecting eyes from blue light damage, relaxing eye fatigue and eye strain are some of the other benefits of the product.
- Naturamore Women’s Wellness: Considering the biological and psychological phases a woman’s anatomy goes through in her lifetime, a lot of women suffer from PMS, menstruation issues and hormonal imbalance.
The Naturamore Women’s Wellness product is for complete care for women’s health and supports their body to conduct the complex and crucial functions. It contains a thoughtful blend of Lycopene, Ashoka, Shatavari, Chasteberry herb, Punarnava and Brahmi which help support overall women’s health. Naturamore Women’s Wellness provides nutritional support in menstrual irregularities, improves digestion and healthy immune system while maintaining healthy hormonal function related to women’s reproductive system. Additionally, the product helps maintain healthy skin, nails, hair structure and supports overall brain health and cognition.
- Naturamore De-stress: Various lifestyle disorders such as high blood pressure, heart disease, diabetes, obesity, depression, or anxiety are very common these days.
Naturamore de-stress is a herbal nutraceutical that offers an effective natural solution for sleep and stress-related issues. Naturamore De-stress helps to reduce stress, anxiety, improves memory formation, sleep, mood, immunity, cognition and promotes brain performance. It is an ingenious blend of ingredients such as Brahmi, Jatamansi, Ashwagandha, Ginseng, Shankhapushpi and Melatonin. The product is ideal for people with a stressful work profile, sleep-related problems, jet lag and for women going through the peri-menopausal phase.

Commenting on this launch, Mr Sujit Jain, Founder, Chairman and Managing Director Netsurf Communications Pvt Ltd said “We are seeing a considerable number of people turning to nutritional supplements; a trend which is gaining momentum as the supplements industry approaches the $50 billion mark. This trend will continue to drive post Covid19 as people are now becoming more conscious. It is therefore paramount that these supplements be safe for consumption without the fear of side-effects. All the ingredients in Naturamore are 100% natural and ayurvedic while also being highly effective in nature, which makes it a wise choice to in-take on daily basis’’
Amway India to concentrate more on immunity-boosting, nutrition products
- Amway, which is taking a look at its ‘portfolio’ in India as part of planned global investments, is studying how to readjust the portfolio more towards immunity, nutrition in the country
- Amway India also expects its business to come back to at least 80-90% of pre-lockdown levels by July
With the increased demand for immunity and nutrition products during the coronavirus lockdown, direct selling major Amway is gearing up for enhanced focus on the category and expecting up to 65% of its total business to come from it going forward, a top company official said.

The company, which is taking a look at its “portfolio in a big way” in India as part of planned global investments, is studying how to readjust the portfolio more towards immunity and nutrition here in the country.

Amway India also expects its business to come back to at least 80-90% of pre-lockdown levels by July.

During the lockdown, a consumer trend has been observed with demand moving towards immunity and nutrition products, Amway India CEO Anshu Budhraja told PTI.

“People are more attuned to consuming for their own self-care…During the lockdown, the classic case is that people did not want to go to a hospital, otherwise people earlier wanted to go to doctors for true curative (treatment). People have now moved to preventive and they see value in preventive,” he said.

Therefore, he said, “the need for supplementation is leading to heightened awareness for stronger immunity. I think that is one big megatrend which we see. We have coined the term ‘What’s IN’ and IN stands for immunity and nutrition.”

Budhraja further said the emerging consumer trend is also “helping our Ayurveda line” in which the company has six stock-keeping units (SKUs) out of which tulsi-based supplement saw a huge demand.

Asked if the company would ramp up production of such immunity and nutrition products, he said, “Good companies always follow consumer demands and consumer needs. If consumer demands and needs towards immunity supporting range goes up, obviously we will support that.”

Predicting that this market will grow over a period of time, he said, “It will grow more than the market in beauty (category) in the mid-term at least. We do see a mix change in our portfolio where immunity and nutrition will move up to almost 60-65% of the total business as compared to almost 56% at present.”

He further said, “We envisage that these categories will grow at a much faster pace because the consumer is evolving and naturally inclined to migrate into those segment.”

Reiterating the company’s focus on the segment as part of planned global investments, Budhraja said, “We are looking at the portfolio in a big way, how we can readjust our portfolio more towards immunity and nutrition. We are looking at multiple things around that.”

Commenting on business resumption after the lockdown, Budhraja said after being immediately impacted, operations of the company are scaling back gradually to achieve business continuity.

The company’s plant in Tamil Nadu has already been producing immunity and nutrition products which were included in essential items category, although beauty and home durable products were impacted.

Out of 140 shops that Amway has in India, 90% are open and a similar percentage of warehouses have also started functioning following government guidelines. Offices are also back with 33% of employees, he added.

“We have achieved business continuity in 60 days. After 90 days we will try and see how fast we can come back. By July I do expect us to come back to at least 80-90% of where we were in pre-lockdown,” he said.
Coronavirus outbreak a right time to revisit Ayurveda wisdom on prevention: Amway CEO

Amway, which counts China as its largest market and was allowed to run its factory in Guangzhou to produce its ‘Nutrilite’ health products although others in manufacturing sector such as cars and electronics have been shut, believes India could also consider building long-term immunity and a healthy society as the Chinese have done.

Crisis like outbreak of coronavirus provides an opportunity to revisit the ancient wisdom of Ayurveda for prevention of diseases through improved immunity and combine it with Western science for a holistic healthy living, according to global direct selling major Amway CEO Milind Pant.

Amway, which counts China as its largest market and was allowed to run its factory in Guangzhou to produce its ‘Nutrilite’ health products although others in manufacturing sector such as cars and electronics have been shut, believes India could also consider building long-term immunity and a healthy society as the Chinese have done in the wake of the outbreak.

Pant, the first non-family member to run the Amway business since its foundation in 1959, said the Ayurveda philosophy essentially talks about prevention.

“This is the right time. When there’s a high consciousness in society about healthy living and prevention. This is a good time for us to go back to our roots and see what strengths are there and combine it with efficacy and Western science.

“Ayurveda is not about curation. It’s about prevention and it’s prevention with a holistic lifestyle. In some conceptual sense, Nutrilite philosophy, and philosophy of ayurveda are very similar,” Pant told in an interview here. He said Amway sees itself playing a role towards building a healthy society as through holistic wellness.

“I think as the Indian society gets consciousness of ancient wisdom, and combine it with science and efficacy and Nutrilite we play a small role in it. I see that being a trend going forward,” he added. Sharing the company’s experience in China, the origin of coronavirus, he said, “We’re an interesting business when such tough issues come in, like coronavirus, the consciousness of society about healthy living, and long term immunity increases”.

The government of China, while all factories were shut in China, during the Lunar New Year, from car manufacturing to electronics production, Pant said, “The government of Guangzhou gave us a special permission for the Amway factory to remain open”.

This was because “the government believes in China that Amway Nutrilite products are part of a long term immunity and health a society and it wants to encourage society through this crisis, to move to a long term health, consciousness”, he added.

“So we remain open. So one of our challenges, after we keep people safe and make sure they’re well protected, is actually scramble to meet demand, higher demand for products in China, because the society, you know, slowly is realizing that prevention and long term prevention is probably the best route to such Black Swan events which have come up,” Pant said.

Amway has its largest team is based in China with almost 5,000 employees there, including manufacturing.

He said, “everyone is safe. They’ve gone through personal hardship, everyone is safe. We’ve supported charities in Wuhan, the Red Cross. We’ve supported them with one a half million dollars and we continue to support local communities in different cities”.

He, however, said it is a “tough time” for employees and distributors in China and Korea.

“They are continuing their entrepreneurship. They continue to do the business but they’re doing it virtually. All business meetings are happening virtually, trading is happening virtually and selling is happening virtually,” Pant said.

Source: economictimes
3000 crores cheated from 1.75 lakh investors, ED raids 12 locations of bike boat company

On Saturday, the Enforcement Directorate raided 12 locations in Lucknow, Delhi and Noida of the Bike Boat Taxi Company. The company defrauded millions of investors by running a bike taxi service on the lines of Ola and Uber.

During the raid, many important documents linking the company to money laundering were found. The Bike Boat Taxi Company collected close to INR 3000 crores by duping almost 1.75 lakh investors with false promises of huge profits. FIRs against the Bike Boat Taxi Company are lodged in Noida, Lucknow and Aliganj.

According to the ED, on Saturday, different teams raided six locations, including Vijay Khand, Rajajipuram and Para of Gomtinagar in the Bike Boat Lucknow. Apart from this, documents were also scrutinized at four places in Noida and two in Delhi.

ED teams raided locations of Pantal Technology, Pimex Plastics, Pimex Broadcast and Prerna Services. Earlier these companies belonged to Vijinder Singh alias Vijinder Hooda. Later, Sanjay Bhati, former BSP leader bought these companies. Sanjay became the Director of the Bike Boat Company. He raised the amount deposited by investors through these companies. Apart from this, ED also searched Mars Group, Accord Hydraulics, Bhasin Infotech, Nobel Buildtech. These offices were associated with The Bike Boat Company.

The ED raided two more companies – Proud Innovative Promoters and Proud Automotive, associated with Sanjay Bhati.

The ED also scrutinized documents of the associated channel about Sanjay Bhati’s stake in the channel.

The money collected from 1.75 investors was further invested in bogus loans, fake companies and trusts. By paying some commission to these funds, the operators withdrew themselves from other sources. Sanjay turned the black money into white through these fake companies. He formed many shell companies and invested investors’ money through them
The ED has traced this money trail associated with the company. Now with this, the ED will tighten its grip on the other people involved in the hawala racket. According to the investigation, Sanjay bought properties in his and his family’s name with the money from the Ponzi scheme.
Amway India Appoints Ajay Khanna as Chief Marketing Officer

Khanna has taken over the reins from Sundip Shah and will will report to Anshu Budhraja. Ajay Khanna joined the organisation in 1998 and donned many hats in various capacities

Direct selling FMCG company Amway India has appointed Ajay Khanna as the chief marketing officer. With over 24 years of experience in the FMCG and Telecom industry, Khanna has taken over the reins from Sundip Shah, former CMO, who will embark upon an entrepreneurial journey after spending nearly three decades in the corporate world. Based in Amway India’s headquarters in Gurugram, Ajay Khanna will report to Anshu Budhraja, CEO, Amway India.

With deep understanding of India’s dynamic marketing environment as well as the direct selling industry, Khanna has contributed to the remarkable success of Amway’s nutrition and consumer durables categories, Anshu Budhraja, CEO, Amway India, said.

According to Ajay Khanna, chief marketing officer, Amway India, India is a top priority market for Amway globally. “The evolving market dynamics, along with our differentiated sales channel, makes it an opportune time to introduce innovations for business growth. I look forward to further building the growth momentum created by my predecessor Sundip Shah and taking the business to greater heights,” he added.

An Amway veteran, Ajay Khanna joined the organisation in 1998 and donned many hats in various capacities. His trajectory with the company includes leading growth of the home-care/personal care, agriculture and insurance categories before taking on the category head role for the company’s biggest business category – nutrition and wellness in 2014. Armed with a deep understanding of India’s direct selling industry as well as the dynamic consumer landscape, Khanna has been instrumental in driving growth for Amway’s nutrition brand– Nutrilite, and consumer durables in addition to driving effective collaborations with the company’s direct sellers and cross-functional teams. Under his leadership, Amway team has engineered many successes such as the Nutrilite campaign with a brand ambassador, the best in class Amway Queen (cookware) launch, successful foray into Herbals through the Nutrilite Traditional Herbs range as well as into the consumer durables segment.

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Kerala Govt expedites the process to monitor MLM companies
The Kerala state government has expedited the process for fully activating the functions of a ‘monitoring authority’, set up to regulate the activities of multi-level marketing (MLM) and direct-selling firms in the state. In order to firmly implement the guidelines that have been framed to put a check on the activities of MLM firms, an officer in the rank of Under Secretary from Taxes department has been appointed the nodal officer in the monitoring authority.

According to officials, the guidelines ban ‘pyramid’ form of marketing. Stern action will be taken against direct-selling and MLM firms indulging in chain-level pyramid schemes. One of the guidelines is as follows: “Prohibition of Pyramid Scheme and Money Circulation Scheme. No person or entity shall promote a Pyramid Scheme, as defined in Clause 1(11) or enrol any person to such scheme or participate in such arrangement in any manner whatsoever in the garb of doing Direct Selling business.

2. No person or entity will participate in Money Circulation Scheme, as defined in Clause 1(12) in the garb of Direct Selling of Business Opportunities.”As per the guidelines, ‘direct selling’ means marketing, distribution and sale of goods or providing of services as a part of a network of direct selling other than under a pyramid scheme. ‘Direct selling entity’ means an entity not being engaged in a pyramid scheme, which sells or offers to sell goods or services through a direct seller.

What is a pyramid scheme?

A pyramid scheme is a multi-layered network of subscribers to a scheme formed by subscribers enrolling one or more subscribers in order to receive any benefit, directly or indirectly, as a result of enrolment, action or performance of additional subscribers to the scheme. The subscribers enrolling further subscriber(s) occupy higher positions. Thus, with successive enrolments, they form the multi-layered network of subscribers.

source

Read More
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Odisha Chief Secy Seeks Action Against QNet & Its Indian Franchise

The Office of Odisha Chief Secretary has written to the Economic Offences Wing (EOW) of Crime Branch praying for action against the alleged multi-crore scam by Hong Kong-based company QNet and its Indian partner Vihaan Direct Selling (India) Pvt Ltd.

Acting on a petition filed by one Gyana Ranjan Mishra on November 25, 2019, Chief Secretary Asit Tripathy directed Home and Finance departments to issue an advisory in this regard mentioning that this has already been banned in other States.

The Home department may refer the matter to EOW for action, mentioned the letter.

It was alleged that network marketing company QNet duped several investors of Rs 5,000 crore. Sources said the QNet directors and partners through the Indian franchise –Vihaan Direct Selling (India) Pvt Ltd were engaged in illegal money circulation schemes in the guise of direct selling and multi-level marketing and collected crores of rupees from investors in Odisha. OTV was first to telecast about the scam in its investigative report in September 2019.

EOW has already arrested three senior partners of Vihaan Direct Selling (India) Pvt Ltd– Sarat Parida, Debabrata Harichandan and Chandan Mahalik– all from Bhubaneswar, after preliminary investigation revealed that all three entered into a criminal conspiracy with the directors of QNet and lured people to invest in the scheme promising high returns.

However, EOW reportedly failed to catch hold of the chief of Q-Net.

SOURCE
ED attaches Rs 8.82-cr assets of Webwork Trade Link

A Noida-based multi-level marketing firm’s assets worth over Rs 8 crore have been attached in connection with an alleged online Ponzi fraud case, the federal agency said on Thursday.

A provisional order under the Prevention of Money Laundering Act (PMLA) has been issued by the Enforcement Directorate against the company– Webwork Trade Link Pvt Ltd.

The case dates back to 2017 when Noida Police had filed an FIR against the firm and its directors Anurag Garg, Sandesh Verma and others for allegedly perpetrating an online fraud and cheating gullible depositors. The ED subsequently took cognisance of this police criminal compliant to file a case under the PMLA.

“The attachment consists of fixed deposits, mutual funds, balances in savings and current accounts of entities who had received money on account of selling the immovable properties and ornaments or providing services but due to the business shutting down and consequent fraud cases against the company, these funds remained with the beneficiaries,” the agency said in a statement.

The total value of the attached assets as part of the latest order is Rs 8.82 crore. “Webwork Trade Links Pvt Ltd, through its online portal, in the name of addsbook.com and web-work.in had been defrauding the public by inducing them to invest in very lucrative investment schemes.

“Investigation revealed that the bank accounts were being opened and closed in succession by the company in many banks like Citi Bank, ICICI Bank, Vijaya Bank, Lakshmi Vilas Bank and Axis Bank,” the ED alleged. In this very short span of time, the agency claimed, the multi-level marketing company diverted large amounts to the accounts of different persons and companies associated with them.

This is the second attachment of assets action by the ED in this case as it has earlier frozen properties worth Rs 27.66 crore. The ED had also filed a chargesheet in this case last year before a special PMLA court in Lucknow and the case is under trial at present, it said. NES NES DPB DPB

All You need To Know About Vestige

Vestige: An Overview

Company Name: Vestige

Type: Private

Industry: Multi Level Marketing

Founded: 2004

Founders: Gautam Bali, Kanwar Bir Singh, Deepak Sood

HQ : New Delhi, India

Products: Healthcare and Wellness Products

Website: https://www.myvestige.com/

What is Vestige?
The purely Indian based MLM company, Vestige was founded in the year 2004. They are one top leading companies that work in the health and wellness sector.

The statistics collected from their website claims that there are almost 2,500 branches for them around the world.

The demand for their products has always remained increasing ever since they came to the network marketing field. And same is the case with the number of distributors also.

Adding more customers and distributors mean that their business is still on the expansion mode. The company was actually begun in India, but their products are also now a rage in the United States and other European countries.

Their major mission and vision include to empower the common people or even the rich ones to provide an opportunity to earn more income and thus be financially independent.

How Does Vestige Work?

Vestige also works in the same niche as that of the leading ones in the network marketing sector like Amway, Forever Living etc.

Some of the products provided by them include:

Health supplements
Air Purifiers
Ayurveda
Healthy Foods
Home Care Materials
Oral Care Items
Personal Care
Cosmetics and Skin Care Products
Men’s Grooming Items
Agricultural Products
Business Tools

One thing that you could notice is that they sell almost everything from A to Z. Vestige also makes use of technology like an MLM Software which helps in the smooth functioning of the company.

They also sell under the name of different brands which are owned by the same company. It’s also a really good marketing strategy. Almost every multi corporation giants work in the same format.

Some of their other brands include Ayusante, eberva, Invigo, Lite House, Zeta, Assure, Dentassure Agri82 etc.

Vestige Compensation Plan

To be eligible for the MLM compensation plans provided Vestige, one should actually sign up and thus become an authorized distributor of the Vestige Marketing Private Limited. Once you sign up, you will be eligible for their 4-Fold Bonus Marketing Plan, and you should also create a minimum sales volume of 350 per month.

And once you clear this checkpoint, you will be promoted as their permanent member and the materials you have spent for the business starters will be refunded to them after 1 month from the date of purchase.

Then you will be receiving your bonuses based on your overall performances on the criteria given below:

Retail Profit (10% to 20%)
Vestige Performance Bonus (accumulative *PV & **BV)
Vestige Director Bonus
- Director – 600 BV, 2,000 PV
- Silver Director – 600 BV, 1,801 PV
- Gold Director – 600 BV, 1,501 PV
- Star Director – 600 BV, 1,001 PV
- Diamond Director – 600 BV, 501 PV
- Crown Director – 600 BV, 0.5 PV
- Universal Crown Director
- Double Crown Director
- Double Universal Director
Vestige Director Bonus
Vestige Leadership Bonus (15%, 28,816 BV)
Vestige Travel Fun (3%)
Vestige Car Fund (5%, 16,016 BV)
Vestige House Fund (3%)

*PV- Personal Volume **BV- Business Volume

Vestige also provides travel fund bonus, car fund bonus and house fund bonus if you achieve the minimum required limit within a period of 3 months prior to the business executives evaluating their performances.

And once they verify the sales generated within the stipulated time, you will be provided with the above-mentioned bonuses with a lifetime guarantee.

So it will be your duty to maintain the minimum sales if you occupy the position of Director rank or beyond!

Pros and Cons of Vestige MLM Company

PROS

Some of the major advantages of opting for this network marketing company are listed out below:

Free membership

To join the Vestige MLM company it’s totally free. There is no fee to be an active member of this opportunity!

Diverse compensation plan

Vestige really follows a compensation structure that gives multiple ways to earn income for its distributors.

Diverse product line

Another added advantage include the variety of products that the company gives out to its customers. They produce and deliver almost everything a customer requires, and it opens up a possibility to sell the products on a regular basis.

Free training

Free training is provided by almost all MLM companies, but still, this could be cited as an advantage of this company. They also provide the necessary training materials like booklets, some sample products etc.

No demotion

If a distributor acquires a certain position, then even if his performance goes down, he/she won’t be degraded to a lower position.

CONS

The company won’t take full responsibility.

A major disadvantage of Vestige is that they don’t take responsibilities for various issues that the distributors normally have like that are based on refunds or product replacements. This really makes the lives of distributors hard at times.

Distributors face complaints alone

It’s the same thing that is almost mentioned in the above point. The distributors have to face all the complaints alone, that is the company does not undertake any responsibility.

Ineffective products

Certain customers have claimed that their products are not so effective as they market it out in the public domain.

No concrete plan for agri-products

They provide a lot of variety products and better compensation plans. But still they don’t have a real concrete plan for the agricultural-based products.

False promises

This cannot be cited as a disadvantage of the company alone. A major factor also includes the distributors. They sometimes make some false promises to their customers in order to sell the products. The company may not be knowing about this. But still, they should take steps to avoid such false promises made by the distributors.

Conclusion: Is Vestige a Scam or an Opportunity?

There are certain negative reviews roaming over the internet about Vestige and its policies. It’s definitely not a scam. The company is a legitimate one and the products are also genuine. And the main reason behind the negative reviews is the company’s policy of no responsibility with the various concerns that the distributors have like refunds and product replacements.

It’s a fact that every company follows certain rules and regulations and every distributor values that. But not many follow the policies like leaving the distributors alone in the battlefield.

For a MLM distributor to be successful, they need the backup and support of the firm very much, especially when they get negative feedback.

So it would be better if you can try out some other better opportunities provided by a lot of network marketing firms out there!

Vestige is a legitimate and genuine company, but if you are looking to make some steady or better additional income, it’s better not to take this risk.

Author Bio: Manju has been working as a Senior content writer for over three years now. Writing mainly in subjects related to Technology, Business, etc. While her writing skills is mainly confirmed to Infinite Cab, she also enjoys writing on other trending topics as well. You can reach her at [email protected].

OneCoin Scheme Sued by Former Investor After Losing $130,000
- OneCoin scam alleged to be of 3.4 billion euro ponzi scheme
- Ignatov and her brother Konstantin charged with conspiracy to commit money laundering, wire fraud and securities fraud
- OneCoin recruted 3 million members worldwide
OneCoin, a cryptocurrency investment scheme, has been sued by its former investor, Christine Grablis, over her losses of $130,000.

On behalf of Grablis, Silver Miller has filed the lawsuit in New York Tuesday. It has been alleged that OneCoin were involved in fraudulently promoting cryptocurrency investment thereby violating the federal securities laws of New York.

As per Grablis claim, she has lost around $130,000 in the scheme and has demanded the return of those funds along with the payments for damages. It is also reported that she is seeking a class action on behalf of other investors who lost money through same investment scheme.

OneCoin has been on limelight since 2016 , when Belgium ‘s financial regulator issued a warning against the scheme. Founded by Ruja Ignatova, OneCoin works as a multi-level marketing organization. Due to its unpopular reputation owing to the huge loses to the scheme , various government authorities across the world including the U.K, Germany, India, Italy, Africa and China have issued strict warning to its people to be careful while investing in the scheme.

More than 100 individuals were charged in China last year regarding the scheme, while in India the authorities arrested the alleged promoters in 2017.

Recently , the U.S. Attorney for the Southern District of New York (SDNY) have charged the OneCoin leaders, Ruja Ignatova and Konstantin Ignatov, for wire fraud , securities fraud and money laundering. While Konstantin was arrested, Ruja, who also faces charges in India for her role in the project is still absconding.

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The 3 newest products include:

What is a pyramid scheme?

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PROS

CONS