Most personal finance experts suggest that if a money making scheme is too good (to be true) then it is a scam. You can read Robert Kiyosaki and Azizi Ali books for more explanation.
If somebody asks us to join an investment or a scheme that will multiply our money and we dont have to do reasonable hardwork then most probably it is a scam.
If a person or a company suddently comes and say we won a lottery prize, they want to give million of dollars to us but nobody even know such person or company ever exist, then laugh loud! Its maybe a scum, I meant a scam.
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