Have you heard of "World Marketing Direct Selling, Inc?" It’s a bogus company that was convincing people to invest a minimum of $26,000 in its scheme. The outfit claimed that people would get back 10 percent of their money right away. Then, every month for their rest of their lives, people would get $300 a month. People were so excited about the opportunity that they signed up in droves. One couple in Connecticut invested their life savings of more than $600,000 into the ploy. It turned out to be a total pyramid scheme. The company claimed to offer nutritional and dietary supplements. But organizers were really just paying original “investors” who then convinced others to join. And, as pyramids do, it quickly collapses. The money is nowhere to be found and the SEC hasn’t been able to figure it out. A legitimate multi-level marketing company actually sells a product. It’s not just a way to recruit new people. And, seriously, how legitimate does a company sound that guarantees you $300 for the rest of your life?