<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	>

<channel>
	<title>Sequence Inc. Fraud Files Blog &#187; Pyramid Schemes &amp; MLM</title>
	<atom:link href="http://www.sequence-inc.com/fraudfiles/category/pyramid-schemes-mlm/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.sequence-inc.com/fraudfiles</link>
	<description>Certified Fraud Examiner Tracy Coenen writes about corporate fraud, financial investigations, forensic accounting, and fraud examinations.</description>
	<pubDate>Wed, 19 Nov 2008 03:39:04 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.6.3</generator>
	<language>en</language>
			<item>
		<title>United First Financial broker numbers and earnings</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/18/united-first-financial-broker-numbers/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/18/united-first-financial-broker-numbers/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 01:37:02 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<category><![CDATA[Scam Busting]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2907</guid>
		<description><![CDATA[Today I received some interesting information on United First Financial, the company selling the $3,500 Money Merge Account. Here is a listing of all UFF agents (warning: large file download), showing that there are 59,703 agents on the rolls.
The fee to sign up as an agent is $175. Multiply that by 59,703 agents, and you [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/18/united-first-financial-broker-numbers/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Shop to Earn: Please get my web address right</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/14/shop-to-earn-please-get-my-web-address-right/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/14/shop-to-earn-please-get-my-web-address-right/#comments</comments>
		<pubDate>Fri, 14 Nov 2008 14:14:37 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2886</guid>
		<description><![CDATA[In a lame, half-hearted attempt to counteract the truths posted here about Shop To Earn and Shop To Earth, the company has started an &#8220;official&#8221; blog. The blog tells readers next to nothing, but is a place for STE brokers to high-five each other about the company. 
The company is so surprised that anyone visited [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/14/shop-to-earn-please-get-my-web-address-right/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ShopToEarn broker earnings watch</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-broker-earnings-watch/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-broker-earnings-watch/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 23:55:25 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2850</guid>
		<description><![CDATA[ShopToEarn reports that it has 45,000 &#8220;members.&#8221; I am interpreting that to include website owners, business builders, and brokers. Of those members, 10,000 of them, or 22% will be paid a commission on November 21st for October activity. That means 78% of people have earned no commission (despite claims that everyone can make money in [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-broker-earnings-watch/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ShopToEarn: Don&#8217;t talk about actual money!</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-dont-talk-about-actual-money/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-dont-talk-about-actual-money/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 23:07:08 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2846</guid>
		<description><![CDATA[ShopToEarn and ShopToEarth recently communicated the following to its members:
Talk about how many times you’ve SCORED! and not about how much you’ve  earned!
Based on advice from Counsel, it is very important that we focus on how many  times we’ve SCORED! as opposed to the money that thousands are earning. Please  make sure [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/10/shoptoearn-dont-talk-about-actual-money/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Shop To Earn - How to Build Most Effectively</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/08/shop-to-earn-how-to-build-most-effectively/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/08/shop-to-earn-how-to-build-most-effectively/#comments</comments>
		<pubDate>Sat, 08 Nov 2008 13:52:09 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2341</guid>
		<description><![CDATA[The information reproduced here is from the back office available to ShopToEarn brokers. It is being posted here for educational and critique purposes, as permitted under fair use principles. 
How To Build Most  Effectively


when you click on
Graphic Entry


There are 2 ways to enroll new Website  Owners, Business Builders, and Brokers (Website Owner + [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/08/shop-to-earn-how-to-build-most-effectively/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ShopToEarn Business Builder Commission Rules as of 7/26/08</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/11/03/shoptoearn-business-builder-commission-rules-as-of-72608/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/11/03/shoptoearn-business-builder-commission-rules-as-of-72608/#comments</comments>
		<pubDate>Tue, 04 Nov 2008 00:12:25 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2323</guid>
		<description><![CDATA[The information reproduced here is from a ShopToEarn communication to brokers. It is being posted here for educational and critique purposes, as permitted under fair use principles.
There are two qualifications that a Business Builder must maintain to receive  SCORE! Commissions:
A. A Business Builder must refer at least 3 Website  Owners and place at [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/11/03/shoptoearn-business-builder-commission-rules-as-of-72608/feed/</wfw:commentRss>
		</item>
		<item>
		<title>MonaVie: Scared of Amway</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/10/31/monavie-scared-of-amway/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/10/31/monavie-scared-of-amway/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 14:19:14 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2759</guid>
		<description><![CDATA[The MonaVie Distributor Application is very interesting. It has an entire section devoted to Amway. Check it out:
CERTIFICATION
In connection with my application and agreement to become a distributor for MonaVie LLC (“MonaVie”), I hereby certify that:
1. I have never been a distributor for Amway Corporation and/or Quixtar Corporation or any of their respective subsidiaries or [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/10/31/monavie-scared-of-amway/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Massive MonaVie distributors losses demonstrated with the company&#8217;s own numbers</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/10/29/massive-monavie-distributors-losses-demonstrated-with-the-companys-own-numbers/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/10/29/massive-monavie-distributors-losses-demonstrated-with-the-companys-own-numbers/#comments</comments>
		<pubDate>Wed, 29 Oct 2008 17:53:31 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2749</guid>
		<description><![CDATA[Multi-level marketing expert Robert Fitzpatrick discusses the phenomenon of high-level MLM distributors going from company to company. He also explains some distributor numbers released by MonaVie, which show that 91% of distributors receive no commissions from the company, and that the bottom 99% of distributors receive an average of $3.75 a week in commissions. Doesn&#8217;t [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/10/29/massive-monavie-distributors-losses-demonstrated-with-the-companys-own-numbers/feed/</wfw:commentRss>
		</item>
		<item>
		<title>ShopToEarn: How Much, How Fast</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/10/27/shoptoearn-how-much-how-fast/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/10/27/shoptoearn-how-much-how-fast/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 22:32:28 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2715</guid>
		<description><![CDATA[Shop To Earn representatives frequently promote the idea of earning $4,100 in commissions your first 30 days after signing up? How can you do it? The details are below, and it&#8217;s not as easy as it seems. It starts with &#8220;just recruiting&#8221; some people. But then you also have to get people below you to [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/10/27/shoptoearn-how-much-how-fast/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Shop To Earn FAQs: Commissions, signing up brokers, SCORE and more</title>
		<link>http://www.sequence-inc.com/fraudfiles/2008/10/21/shop-to-earn-faqs/</link>
		<comments>http://www.sequence-inc.com/fraudfiles/2008/10/21/shop-to-earn-faqs/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 00:50:33 +0000</pubDate>
		<dc:creator>Tracy Coenen</dc:creator>
		
		<category><![CDATA[Pyramid Schemes &amp; MLM]]></category>

		<guid isPermaLink="false">http://www.sequence-inc.com/fraudfiles/?p=2319</guid>
		<description><![CDATA[The information reproduced here is from the Frequently Asked Questions section of the back office available to STE brokers. It is being posted for educational and critique purposes, as permitted under fair use principles.
Commission Rules &#38; Periods
Q. When do I receive my commissions for shopping and  referring?
A. Commissions are Direct Deposited on the 21st [...]]]></description>
		<wfw:commentRss>http://www.sequence-inc.com/fraudfiles/2008/10/21/shop-to-earn-faqs/feed/</wfw:commentRss>
		</item>
	</channel>
</rss>
