The “investment opportunity” someone just pitched could be a legitimate way to get in on the ground floor of a soon-to-be profitable business. However, it could also be a pyramid, Ponzi or similar fraudulent multi-level marketing scheme. How can you tell the difference between a real investment and a scam? Don’t get scammed Pyramid schemes can be relatively straightforward, such as recruiting people to sell vitamins or cleaning supplies and recruiting family and friends to also sell the products. Or they can take the form of extremely complicated swindles that offer no actual product or service. But in general, both simple and complex schemes are sustained by constantly recruiting new participants rather than earning a return on the actual sale of the products. One lucrative scam involved a...