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MMM in Nigeria – A Huge Scam Scheme About To Happen?



MMM in Nigeria -   A Huge Scam Scheme About To Happen? 1
MMM in Nigeria -   A Huge Scam Scheme About To Happen? 2

I’ve been monitoring recent activities in the Nigerian Tech Scene and I’ve discovered a site ( claims to give people 30% more of their initial registration fee at the end of 2 weeks. They also claim to give a certain percentage of commission when you refer someone to their network. After making some research, I came to the conclusion that the probability of this scheme being a scam  is 65%. Considering the way the Nigerian economy is bad, it might be best you avoid this.


Sergey Panteleevich Mavrodi ( Russian : Серге́й Пантелеевич
Мавроди; born August 11, 1955) is a Russian criminal and a former
deputy of the State Duma . He is the founder of the МММ series of
pyramid schemes . In 2007 Sergei Mavrodi was found guilty in a
Russian court of defrauding 10,000 investors out of 110 million
rubles ($4.3 million).

In 1989 he founded MMM .[4][5][6]
He was then elected to the State Duma, [6] thereby obtaining
parliamentary immunity. Mavrodi declared MMM bankrupt on
December 22, 1997, then disappeared, and was on the run until his
arrest in 2003. [7]
In 1998 Mavrodi created Stock Generation , [8][9] allegedly a classic
pyramid scheme presented as a “virtual stock market game”. [1] The
website ran from 1998 to early 2000. The Massachusetts district
court initially found that U.S. Securities and Exchange Commission
was unable to cite Stock Generation’s founders and owners for
securities violations. However, the United States Court of Appeals
reversed this decision in 2001, concluding that the SEC alleged
sufficient facts to state a triable claim.[10] In 2003 the SEC obtained
permanent injunctions against SG Ltd. and relief defendants SG
Perfect and SG Trading, which profited from the disbursement of
funds fraudulently gained by SG Ltd. [11][12]
On April 28, 2007, a Moscow court sentenced him to four and a half
years in a penal colony. The court also fined him 10,000 rubles
($390). [7]
In January 2011, Mavrodi launched another pyramid scheme called
MMM-2011, asking investors to buy so-called Mavro currency units.
He frankly described it as a pyramid, adding “It is a naked scheme,
nothing more … People interact with each other and give each other
money. For no reason!” [13] Mavrodi said that his goal with
MMM-2011 is to destroy the current financial system, which he
considers unfair, which would allow something new to take its place.
MMM-2011 was able to function openly as Ponzi schemes and
financial pyramids are not illegal under Russian law. [14] In May 2012
he froze the operation and announced that there would be no more
In 2011 he launched a similar scheme in India, called MMM India,
again stating clearly that the vehicle is a pyramid. [16] He has also
launched MMM in China. [17] He was reported to be trying to expand
his operations into Western Europe, Canada, and Latin America. [14]
As of September 2015 it had spread rapidly in South Africa with a
claimed 1% per day or 30% per month interest rate scheme [18] and
warnings from both the South African and Russian Communist
Parties for people not to participate in it.


Here are some other reasons why I think it’s a scam.

1. They Are Focused More on Recruiting than Selling

One of the first things to watch out for is a focus on recruiting rather than selling. If you are being recruited in order to recruit more people of your own, rather than actually focus on selling a particular
product, that might be a red flag. Consider whether or not there is a lot of focus on getting you to recruit
more “team members,” instead of focus on acquiring customers. If the recruits are the customers, that could be a red flag.  This is obviously what the MLM in Nigeria is doing now.

2. Poor Training
What sort of training and support are they giving clients ?

How are your questions answered? If you are asking tough questions, and they are deflected with talks
on positive thinking, you could be looking at a MLM
scam. Also, consider the training situation. Are you
provided with actual business techniques and
support? If the training consists of how to convince
recruits, or tips on selling to friends and family, your
“home business opportunity” might actually be a work at home scam .

3. Pressure to Pay for More
Are you being pressured to pay for more product?
You might be asked to join a “fast track” or become
“elite” by purchasing a great deal of inventory all at
once. Or, you might be pressured into buying an
expensive business package in order to get the
business support you need. If you are asked to pay
for extra training (beyond attending an annual
conference or convention) on a regular basis, or if
you are asked to pay for basic office supplies, you
might be in trouble.
Be especially wary of those that ask you to put your
costs on a credit card, or encourage you to take a
home equity loan or line of credit to pay for this
“business investment.”

4. Sales Tactics Brought to Bear on You
Do you feel as though you are the subject of a high-
pressure sale when you talk to the MLM
representative? You might be told that you have to
make a decision right now in order to get a good deal
on the initial kit, or to buy in at a “special” price, it
could be a scam. Most legitimate companies allow you
to talk it over with your family, or sleep on your decision.

5. Seems Too Good To Be True
As with everything in life and in purchases, you need
it to pass the too good to be true “smell test.” Are the
claims about the product outrageous and hard to
really prove? Is there are a lot enthusiasm about the
“amazing” program, without much to back it up?
Watch out for anything that seems too good to be
true. Chances are that it’s actually a scam

6. The Testimonies Don’t Link To Accounts Of Real Individuals that Can be easily contacted.

Some of my points were taken from Business Insider .

Now One Question is How Do they plan to get 30% profit for someone who pays to join the program when there’s no product to sell?.  They’ll probably hire a group of marketers to convince people and post fake earnings to convince people to join.

Another thing we need to take into consideration is the fact that history has a way of repeating itself. This is why I will also include the history of MLM schemes so you can decide for yourself.


MMM is similar to  la Multi Level Marketing System with some differences

Multi-level marketing ( MLM ) is a controversial marketing strategy in
which the sales force is compensated not only for sales they
generate, but also for the sales of the other salespeople that they
recruit. This recruited sales force is referred to as the participant’s
“downline”, and can provide multiple levels of compensation.

Companies that use MLM models for compensation have been a
frequent subject of criticism and lawsuits. Criticism has focused on
their similarity to illegal pyramid schemes, price fixing of products,
high initial entry costs (for marketing kit and first products),
emphasis on recruitment of others over actual sales, encouraging if
not requiring members to purchase and use the company’s
products, exploitation of personal relationships as both sales and
recruiting targets, complex and exaggerated compensation
schemes, the company and/or leading distributors making major
money off training events and materials, and cult-like techniques
which some groups use to enhance their members’ enthusiasm and

MMM in Nigeria -   A Huge Scam Scheme About To Happen? 3MMM binary tree structure. The blue individual will receive compensation from the sales of the downline red members.

Independent non-salaried participants, referred to as distributors (or
associates, independent business owners, independent agents,
etc.), are authorized to distribute the company’s products or
services. They are awarded their own immediate retail profit from
customers plus commission from the company, not downlines,
through a multi-level marketing compensation plan, which is based
upon the volume of products sold through their own sales efforts as
well as that of their downline organization.
Independent distributors develop their organizations by either
building an active consumer network, who buy direct from the
company, or by recruiting a downline of independent distributors
who also build a consumer network base, thereby expanding the
overall organization. Additionally, distributors can also earn a profit
by retailing products they purchased from the company at wholesale

The U.S. Federal Trade Commission (FTC) states: “Steer clear of
multilevel marketing plans that pay commissions for recruiting new
distributors. They’re actually illegal pyramid schemes. Why is
pyramiding dangerous? Because plans that pay commissions for
recruiting new distributors inevitably collapse when no new
distributors can be recruited. And when a plan collapses, most
people—except perhaps those at the very top of the pyramid—end up

The Federal Trade Commission warns “Not all multilevel marketing
plans are legitimate. Some are pyramid schemes. It’s best not to get
involved in plans where the money you make is based primarily on
the number of distributors you recruit and your sales to them, rather
than on your sales to people outside the plan who intend to use the

The vast majority of MLMs are recruiting
MLMs, in which participants must recruit aggressively to profit.
Based on available data from the companies themselves, the loss
rate for recruiting MLMs is approximately 99.9%; i.e., 99.9% of
participants lose money after subtracting all expenses, including
purchases from the company.”

Updated –   19 AUGUST 2016

Many Individuals have claimed that this scheme is not a scam. However  all I have to say is just be very careful not to invest too much in MMM. Certainly one day the scheme would end.

I guess you can decide for yourself after reading this . However everything I wrote here is strictly my opinion. If you feel different about this scheme, use the comment box

Michael Ajah is a Computer Science Student of The University of Port Harcourt and a Chelsea Fan. He loves RnB and a little mix of Trap Music. An awesome tech reviewer and analyst

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La Vida Port Harcourt Kicks Off Today



La Vida Port Harcourt Kicks Off Today 6

La Vida Port Harcourt, also known as the festival of colors is an event that’s going to be held at Pleasure Park Port Harcourt, and it’s one of the most exciting events you wouldn’t want to miss.
La Vida Port Harcourt Kicks Off Today 7There’ll be games, fun filled events and lots of fun so if you’re within Port Harcourt and it’s environs you definitely shouldn’t miss this.La Vida Port Harcourt Kicks Off Today 8It’s just a few days to Christmas and it’s Weekend so come out and chill out with your friends and also meet new people.La Vida Port Harcourt Kicks Off Today 9
Endless fun awaits you. Dates – 22nd – 23rd December 

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How To Easily Start A Blog On WordPress With Free Themes



How To Easily Start A Blog On WordPress With Free Themes 10

you wish to start up a new WordPress blog
or website and wondering how to do it on a budget? Well, WordPress is a free,
open source CMS that allows for 100% customization. In this short guide, I am
going to show you how you can start a WordPress blog/website on a budget or
without any technical knowledge.
guide would come in handy to bloggers who intends moving from their blogging
platform to WordPress, web hobbyist, and those who just bought a WordPress
hosting server
and wondering how to put their business online.

The pre-requisites to starting a new WordPress blog?

start a blog/website on WordPress, there are some important things you must
have beforehand. Under listed are some of these fundamental tools.
ü  A registered domain name (e.g.
ü  A web hosting account (shared, cloud or
ü  Reliable internet connection
are just the three primary
requirements for starters
. Any hosting package you buy comes with a
cPanel (control panel/dashboard) where you can manage your files and websites.
It is on this cPanel that you’d gain access to create your first free WordPress
are lots of packages available in the cPanel, among them is Softaculous App
. This package offers you free access to install various CMS
platforms freely and easily. All the packages on cPanel are important and serve
for specific purposes. But since our interest is on creating WordPress websites,
we’ll only focus on Softaculous App Installer.

Starting the blog

#1. Install WordPress

How To Easily Start A Blog On WordPress With Free Themes 11
in to your hosting cPanel and scroll down until you get to the Softaculous Apps
Installer. Now, click on the WordPress Icon to trigger the website installation
How To Easily Start A Blog On WordPress With Free Themes 12
between quick or custom installation. The “Quick” installation
creates a default WordPress website with preset settings while the “Custom
installation allows you to customize your website from the root.
you will be required to enter the following details
How To Easily Start A Blog On WordPress With Free Themes 13
ü  Domain name
ü  Desired website name and description
ü  Your admin details (username and
password). Note: This will be what you will use to log in to the website/blog
admin panel/dashboard and it has to be private.
ü  Choose your website language
ü  Scroll down and click on “Install
How To Easily Start A Blog On WordPress With Free Themes 14
the website installation, the next thing to do is to start with free themes. To
access your new blog/website admin panel/dashboard, attach /wp-admin
after the initial domain name. This is how your admin WP admin URL looks like;
Log in to your admin dashboard by using the admin details you defined during
the installation.

#Install themes

works with highly customizable themes/templates. There are many free themes to
customize the look of your new website. Usually, the screenshot below shows you
how your website will appear immediately after installation.
How To Easily Start A Blog On WordPress With Free Themes 15
appearance does not appeal to anyone, so it needs to be changed. To change this
default theme and use a visitor-friendly theme that would interest your visitors,
locate the themes option on your dashboard and click on it. It’s normally found
at– Appearance ==> Themes
How To Easily Start A Blog On WordPress With Free Themes 16
on the “Add new” button
be redirected to a new page where you’d find lots of free beautiful themes with
user-friendly templates. However, you can define your theme choice by filtering
the results to the latest, featured, popular, no. of columns, and etc.

How To Easily Start A Blog On WordPress With Free Themes 17
you see a theme you like, hover your mouse over it and click on the preview
button to see what it actually looks like on the front-end (appearance to
If you are comfortable with the
preview, go ahead and install the theme as your new website theme. It will
override the previous theme template and your website will now be acceptable to
the people viewing it.
Note: I’ll normally recommend a SEO friendly theme that comes with social
media sharing buttons and newsletter marketing tools. They’re necessary for
your marketing and/or blogging

Customize the free theme to taste

In other to make the theme more
convenient and load faster for your readers, WordPress allows you to customize
the theme’s appearance via a built-in customizer. You can access the customizer
here – Appearance ==> Customizer.
Your new website/blog is now up
and running, you should start creating engaging contents that will bring more
traffic to the new website. Also, you may need to install certain plugins
to make your new blog/website modern, attractive, and good enough for

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Breaking News : Diamond Bank Has Been Sold To Access Bank, Customers Express Concern



Breaking News :  Diamond Bank Has Been Sold To Access Bank, Customers Express Concern 18
I can’t categorically say what’s happening within Diamond Bank but this news may come as a shock to their customers.

Breaking News :  Diamond Bank Has Been Sold To Access Bank, Customers Express Concern 19

According to the Vanguard :

Access Bank Plc has finally acquired Diamond Bank Plc. According to insiders, the official announcement of the transaction will be made in the course of the week by the Central Bank of Nigeria, CBN, according to TheCable. Another source said confirmed that the deal has been sealed, awaiting final ratification from the regulatory body.

 The acquisition was midwifed by the CBN in a bid to further consolidate the banking industry, sources informed. Last week, Diamond Bank announced its decision to drop its international operating licence to focus on national operations following capitalisation issues.

Uzoma Dozie, the bank’s Chief Executive Officer, confirmed the development in a statement released on Friday. Dozie had said: “With this approval, the bank will cease to operate as an international bank. “The re-licensing as a national bank supports Diamond Bank’s objective of streamlining its operations to focus resources on the significant opportunities in the Nigerian retail banking market, and the economy as a whole.

The move follows Diamond Bank’s decision to sell its international operations, which included the disposal of its West African Subsidiary in 2017 and Diamond Bank UK, the sale of which is currently in its final stages.” Broadcasting: NTA drops foreign satellites for NiGCOMSAT1R “The change to national bank status also enables the bank to maintain a lower minimum capital requirement of 10 per cent, as against 15 per cent required for international banks.” The bank recorded its worst month on record in November with share plunging to 0.61k per unit on November 30, 2018.

I wonder what this means for Diamond Bank users, well let’s keep our fingers crossed.

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3 Easy High Paying Tech Jobs You Can Do While ASUU Is On Strike



3 Easy High Paying Tech Jobs You Can Do While ASUU Is On Strike 20
I know you might really wish the strike can end so you can resume studies and stop being bored to death at home.  I’m supposed to be in final year once the strike ends so I know how it really feels (I school at Uniport).

To keep myself busy during this strike, I multitask a lot – develop websites, blog, do graphics design jobs and develop user interfaces and experiences. These are actually stuffs I’ve always been doing, the strike just gives me more time to improve myself. So without further ado let me get started with the 3 Easy High Paying Tech Jobs You Can Do While ASUU Is On Strike.

3 Easy High Paying Tech Jobs You Can Do While ASUU Is On Strike 21

1. UX/UI Designing

A UX/UI Designer is a person that designs how and app, website or software would look like and how it would work.  UX/UI designer jobs can pay between 50k – 1.2m  and the minimum amount is set by you as a designer or by your employer if you aren’t a freelance designer. As a UX/UI designer, you have to understand that it’s not just about designing, It’s about making your prototype usable and straightforward.

You can go through my portfolio and see the kind of jobs I’ve done  –

Becoming A UX/UI designer isn’t rocket science but you need to be willing to learn and read a lot.
Make sure to join design communities like Dribbble, Uplabs and Behance.

Softwares you’ll need

  • Adobe XD
  • Sketch (Mac Only)
  • Figma 
  • Invision

Don’t forget to look up some videos on Youtube related to UX/UI. Stay Creative.

2. Digital Marketing

Digital marketing is another high paying job you may want to check out. It’s just about selling products online and promoting them to the right audience. You will need a Facebook Page for this.
Now you don’t have to be the owner of the product before you do this, you can simply go to a shop ask the owner for the price of certain goods. Add your profit to the the price of the products and also let customers know that they might need to pay a shipping fee. 
Once you are done run the advert on Facebook and attend to your customers. Remember the key to a successful marketing business are happy customers, try to give them discounts and watch as your business will grow online. 
I can teach you more about targeting ads on social media to get more customers, if you are interested – I can send you my E-book with a detailed step by step tutorial on how to do that. The price of the E-book is N1,500.  Send me a whatsapp message +2348134375481. (Non Nigerians can make payment via paypal)

3.Graphic Design Jobs

Graphic designing would get you thousands of jobs online and if you can promote yourself well , you would get more jobs.You will need a Facebook Page for this as well. If you are good with design tools like Photoshop and Adobe Illustrator here’s what you should do.
  • Create About 7 Random Logo Designs
  • Run An Advert On Facebook and promote the designs
  • On the ad mention that you are designing logos for a really low price – maybe N2,500 
  • Add your whatsapp number to the ad so they can contact you
  • Wait for your customers

Here’s the logic here, you promote the ad with around 2k or 3k to make the ad reach more than 10,000 targeted people.  Let’s assume 100 people out of the 10,000 people contact you. 2,500 x 100 is equivalent to N250K .

So you earned 250k from an Ad  you promoted with around N2500-N4000. These days you work smart not extra hard.

If you can’t use Photoshop or don’t have a laptop, you can buy my Ebook, I mentioned how to design without photoshop skills and also designing on a phone on the device. Cheers

I can
teach you more about targeting ads on social media to get more
customers, if you are interested – I can send you my E-book with a
detailed step by step tutorial on how to do that. The price of the
E-book is N1,500.  Send me a whatsapp message +2348134375481. (Non
Nigerians can make payment via paypal)

If you have any questions – mail [email protected]

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Holiday Shopping Deal – Get A Robotic Vacuum Cleaner on Amazon



Holiday Shopping Deal - Get A Robotic Vacuum Cleaner on Amazon 22
Black Friday is nearly upon us and Amarey is set to sweep buyers off their feet in the deal frenzy with big discounts to enable people get this smart vacuum cleaner.

Holiday Shopping Deal - Get A Robotic Vacuum Cleaner on Amazon 23

Amarey A800 robotic vacuum cleaner adopts 360°Anti-Collision and comprehensive, intelligent drop sensor safety technology with anti-scratch glass top cover for protection.


Its 2.7IN low-profile body means the A800 robotic vacuum could work under furniture and chairs along with every nook, cranny and sticky mat. It could easily drill into small gaps in the TV cabinet, sofa, and bed.

SMART CLEANING FOR YOU – 1400Pa powerful suction mode force strongly to seamlessly clean from all floor to medium-pile carpet, and A800 robotic vacuum cleaner could cooperate with 4 kinds of cleaning modes: automatic, spot, edge, single room to easy cleaning for a spotlessly clean home.

UPGRADED 3-POINT CLEANING SYSTEM – Triple filter (washable Pre-filter/Sponge/ High-efficiency filter), dual side brushes, and powerful suction ensure a thorough clean.

HIGH-CAPACITY BATTERY & AUTO CHARGING -Powered by a 2600mAh high-capacity Li-ion battery, the vacuum cleaner supports up to 100 minutes powerful suction cleaning. It seeks automatically the charging dock after it is finished or on low battery

For celebrating thanksgiving holiday, Amarey cleaner is going to low its price to $180.59 (14% off ),

If you’d like to get this automatic cleaner for your family, Click  here with the code: DT8EBSOF

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Would You Buy This 24 Million Naira Curved LG Television On Jumia



Would You Buy This 24 Million Naira Curved LG Television On Jumia 24
While the Black Friday sales are still ongoing , Jumia is offering this Massive LG Curved 4K UHD Smart LED TV – 105″ -104.6″ Diagonal.

Would You Buy This 24 Million Naira Curved LG Television On Jumia 25

For just ₦24,327,620. I can’t say if the TV would show you the future but you can buy it to find out.

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Meet The Babahu X1 Tooth Brush – The World’s Most Intelligent Toothbrush



Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 26
Have you ever imagined a toothbrush that walks to your bed to wake you up and tell you it’s time to brush?  lol.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 27

If you believed the first sentence you just read , your senses must be out of this world.  You should know I’m just pulling your legs. I want to introduce you to a smart toothbrush, it doesn’t walk to your bed to wake you up but it’s definitely smart.  So let’s get down to what you need to know about this smart brush.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 28

The Babahu X1 , the world’s first AI Powered Hand Free Toothbrush launches at 9am, Nov.21(Wed), EST. From now on, by only pressing one button you can get intelligent , fully clean brush  by built-in smart AI algorithms to brush at different vibration frequencies efficiently.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 29

It is based on the Bass method of brushing and suitable for adults as well as children. It’s safe and hygienic with FDA approved quality. To be the first backers now, you can get exclusive price up to 50% off.  Like most success stories, the babahu AI-Powered hand free toothbrush started with an idea.

The brush head is made out of an edible medical grade silica gel containing bacteriostat that is moulded into the unibodyof the brush at a high temperature of 300 Degrees Celsius. This design effectively stops the breeding of harmful bacteria that is usually found on traditional toothbrushes. The own patented U-shape mouth design featuring 6D bristles at a 45 degree angle with the teeth.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 30

The brush body adopts a magnetic levitation sonic motor with a vibration frequency of 18,000-40000 per minute, which is suitable for
people’s different oral conditions and applies the AI algorithms automatically that recognize when the brush head is connected. There is a one key operation mode and two modes of Clean and Gum Care. Kids’ version has an in-built voice algorithm: bite strength alerts, brush head usage and brushing stage details.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 31

Moreover, babahu X1 also equipped with wireless charging base, then you can take up to 3 brush heads at a time and charges in just 2 hours which provides up to 30 days of standby.
How to use babahu X1?

1.Squeeze foam toothpaste on both sides of the U-shape brush head.
2.Gently bite the U-groove of the brush head.
3. One press of the start button the super soft bristles will begin to clean your teeth thoroughly.

Meet The Babahu X1 Tooth Brush - The World's Most Intelligent Toothbrush 32

We are excited to inform you that babahu X1 will be launched on the crowdfunding platform Indiegogo now. The earliest gears can be delivered out in January,2019.

Don’t hesitate it! Get Super Deals here!

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