A high-yield investment program, or HYIP, is a type of investment scam or Ponzi scheme that promises unsustainable returns for investors by paying previous investors with funds garnered from new investors. While these types of programs can achieve incredible growth very quickly, they become a victim of their own success by eventually not being able to meet their outstanding [...]

Multi-level marketing is a form of business where the primary income is generated by employees recruiting other employees, rather than product sales to independent customers. This stands in stark contrast to most standard businesses, where employees are rewarded for sales made to other businesses (B2B companies) or to consumers (B2C companies). Additionally, obtaining a higher rank [...]

The Direct Selling Association (DSA) is the lobbying group for direct selling companies in the U.S., United Kingdom, Australia, Malaysia, Singapore, and New Zealand. Members of the DSA consist primarily of companies that utilize a multi-level marketing structure to generate revenue. MLM companies are characterized by large incentives to recruit other members or distributors, and less [...]