I agree with you na di dapat join agad lalo na pag inalok ka or may nakita ka online na very enticing. Sabi nga ni Chinkee Tan, "Never invest in something that you do not understand no matter how profitable it may be".

Pag-aralan muna then pag na-prove mong okay sya at may mga proper and legal documents, then tsaka ka mag-take ng risk.

Thanks for this Sheila. :)