OK: 1) Did a dhoti you never knew stopped you around Wal-Mart and striked a conversation? 2) Did he say he had his own business? Online business? 3) Did he invite you for tea sometimes? 4) Did he tell you you can make a million just like that? 5) Do you want to waste your money starting first with $300? (and a lot more later on) 6) Do you want 10 of your close friends/relatives lose their $300? 7) Are you stupid enough to believe that some pathetic guy is dying to make you a millionaire? 8) Do you want to pay high dollars to collect junk (medicines, lotions etc) ? 9) Do you think if you could be a millionnaire just like that, that dhoti bhai would be roaming around Wal-Mart? 10) Many similar questions. If you answer YES to all the questions, you should go for it. I didn't.