I think that you have been approached by someone name Bhandari or Khanal. There are so many Nepalese who can't even fill up one form and now just to earn commission they are trying to sell bad products to innocent Nepalese people. You can see them at most of NOVA and DC events and Neplese gathering, trying to convince people about their products and financial advice that anyone could make 5 figure salary. These people has even isolated their own Nepalese neighbor who didn't buy their products or became their group member. Now you can see all his family members working for pfa and even successful to gather lots of Nepalese in their group. I hope that those people what they are doing. I would better go with $3000/month income rather selling unsuitable products to innocent people.