A biased Review of MMM Nigeria 30% Income – REAL or SCAM?

In June 2016, an old friend hit me up on Facebook messenger to preach the Gospel of MMM to me.
Although what he was saying seemed too good to be true, I only payed attention to him because it was someone i trust and he probably wanted me to signup through his referral link just so he can reap some benefits from inviting me.
I don’t know about you but i support my friends hustle even if it’s with a small seemingly insignificant amount.
I received the link to Join MMM from him, started the registration process and read everything on the MMM Nigeria website where it explained in clear and simple English that MMM is not a bank which keeps money for you, MMM does not collect members money and keep in one central account, MMM is not an online business that generates revenue, High Yield Investment Scheme or Multilevel marketing. It’s not even a business with physical location, legal backing etc
My first thought was – Whoever wrote that MMM ideology page is a genius that is showing us how the banking system, insurance, pension funds really works by using our money to enrich themselves while still charging us high rates and paying back little interests.
Ngbuzz.com is over 5 Years old. I’ve been online long enough to smell a rat (SCAM) miles away and I’ve never participated in schemes like this because it never ends well no matter what name it’s called or business model it adopts.
To make matters worse the history of MMM when searched on Google has nothing good to say about it because the media survives on negative publicity.
Wikipedia and other news publication websites have done a really good job at stating what they claim to be facts about the convicted founder of the failed MMM in Russia where it originated. What they fail to tell you is that the Government and financial institutions want to control you by making sure you always need them to survive.
Your financial freedom will cause them a loss, so they fight always to spread false information about MMM to enslave you and deter you from joining the biggest Mutual aid Movement in the World with presence in over 100 countries.
Type: “MMM PAYS” into Google or Youtube – and see the other side of the story the media don’t show you.
Knowing that he’s got my attention now, he went on to really explain the ideology behind MMM as a community where total strangers help each other with money they’re not using with hopes of being rewarded for the Help they’ve provided to someone.
The best way i can describe MMM is to use a Committee of friends Association or Club as example where they donate a fixed sum to benefit only 1 member each month.
After months of contributing to other members in the Committee of friends, it eventually gets to your turn to benefit from the contribution of others and the sum is always huge.
That’s the same ideology that MMM is built on except that – EVERY MONTH IS YOUR TURN TO BENEFIT 30% from what you’ve also contributed to the community. They call it donating because it’s out of your own freewill – Providing Help (PH) and Getting Help (GH).
Where does the 30%, Referral Bonuses, Guiders Bonuses, Video bonuses come from?
If participants of MMM freely give money to other participants that need help and also get 30% reward from their action, where does the added money come from? and Won’t it collapse when new people stop joining?
– ANSWER
The 30% Mavro and other bonuses comes from one source – YOU AND ME: It comes from crowd funding approach which is the same principle the banks and financial institutions use. It’s all about getting more people to come into the community and provide help. Just like the banks.
There’s always someone depositing at the bank and someone withdrawing – the difference is MMM only provides a technical platform where individuals can reach out to one another and provide / receive help from each other DIRECTLY.
MMM does not keep the money in central account and use it to enrich themselves like the bankers do.
Some Critics describe MMM as Robbing Peter to pay Paul but ask yourself, what is the bank doing?
ANSWER: The Banks are robbing PETER AND PAUL at the same time.
Reasons why you should NOT Join MMM Nigeria
The terms and conditions you agree to before joining any program is usually ignored by all of us.
We just click ACCEPT but you might not want to do this for MMM.
If you like the ideology of MMM and Sir Sergey Marvrodi’s life long mission to bridge the gap between rich and poor as pointed out in the first part of this article and you’re thinking of Joining MMM, here’s some rules all users of MMM have to agree with before joining. This can be found on the MMM Warning Page and goes as follows:
Quote
– There are no guarantees and promises! Neither explicit nor implicit.
– There are neither investments nor business! Participants help each other, sending each other money directly and without intermediaries. That’s all! There’s nothing more.
– There are no securities transactions, no relationship with the professional participants of the securities market; you do not acquire any securities. (Do you need them? :-))
– There are no rules. In principle! The only rule is no rules. At all! Even if you follow all of the instructions, you still may “lose”. “Win” might not be paid. Without any reasons or explanations.
– And in general, you can lose all your money. Always remember about this and participate only with spare money. Or do not participate at all! Amen. :-))
If you agree to be a honest participant of the MMM Community, to own only 1 account, to provide help with money you’re not currently using, to show kindness and care for other people – read on and Join Me.
This concludes part 1 of the article where I’ve clearly told you what MMM is about and valid reasons why you shouldn’t join this Global Community of Mutual aid fund.
PART 2
Being fully aware of the Community rules my friend is introducing to me and his advice to only use spare money i don’t mind losing, i decided to give it a try for research purposes only to see how MMM really works.
The How MMM Works
1. Provide help on MMM with a certain and receive reward of Mavro that grows 30% in One month.
2. On maturity (30 days) of 14 days of providing help you request for Help from available Mavro and all money paid within a few hours straight to your bank account.
3. You can choose to provide another help or even provide help multiple times as long as it’s money you’re not using.
4. Sit back and cash out your mavro money every month for helping someone else.
– I have succeeded in executing this plan, that’s why i’m writing this complete article.
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I Joined MMM, Confirmed my email and Phone number in MY PAGE menu, entered my Bank details correctly that money should be sent to when i request and offered to Provide help for 2,000 Naira since that’s money i won’t mind losing but my friend informed me that although the 2k is acceptable i won’t qualify to receive the one-time registration bonus if my first Help provided isn’t up to 17,000 Naira.
Registration bonus is $20, $50 and $100 depend on how much help you first provided. This bonus is FIRST TIME Only.
Provide Help $50 to $499 qualifies you for $20 Mavro Reward
Provide Help $500 to $2,999 qualifies you for $50 Mavro Reward
Provide Help $3,000 and above qualifies you for $100 Mavro Reward
I raised the help to 40,000, 60,000 and then 350,000 Naira and then another 500,000 the following month. Total Help received from MMM = 452,000
Calculation:
30% is 0.3.
So 0.3 Multiplied by 2000 would give me 600 plus my 2000 back in 30 days.
0.3 Multiplied by 5,000 = 6,500 in 30 days.
0.3 x 20,000 = 26,000
0.3 x 50,000 = 65,000
0.3 x 100,000 = 130,000
0.3 x 200,000 = 260,000
0.3 x 500,000 = 650,000
0.3 x 1,000,000 = 1,300,000
Let me sound the warning again before you get carried away: Use Money you have no immediate need for and 40,000 was my own Maximum limit (or so i thought until i pushed the limit to 450,000).
The figures calculated represent a full 30 days circle but you can actually request for help (withdraw) from 14 days as long as you’ve provided help (Paid to another participant).
HOW TO JOIN / REGISTER ON MMM NIGERIA
To register for MMM, You only need to fill in your Name, active email, password and Phone number.
Since Ngbuzz Referred you to MMM, please leave our email in the INVITE box so that we can get some bonus as you join and Provide help. The guider details should be left blank.
Click this Link and select REGISTER to fill the MMM Nigeria Registration Form and don’t forget to comeback and continue reading this article for next steps.
After registration, Login at mmmoffice.com
Providing Help (Making payment to participants)
– Remember, once you click to provide help, your Mavro starts increasing by 1% a day even while it’s in your pocket/bank. Mavro growth on your personal office is updated only on Tuesdays and Thursdays
– It takes around 2 to 30 days sometimes before you are matched with another participant who needs help.
– When you’re linked with another participant who needs help, you will see their account details you’re supposed to send payment to, their phone number and the number of Hours remaining for you to fulfill that request for help.
– You MUST provided proof of payment and upload it on the request you made payment for so that the participant who received the help can CONFIRM that he/she has received it – This closes the request.
The proof of payment can be a screenshot of your Debit SMS alert, Transfer Successful screenshot, scanned/snapped Bank deposit slip etc.
– If you fail to fulfill the request within the stipulated Hours given (usually 48Hours or 96Hours for weekends) it will be redirected to another participant who is willing to provide help and you will be removed from MMM.
Receiving Help (Withdrawing Money)
– The MAVRO menu after you login displays Help you’ve provided, referral bonuses, Registration bonus and their status.
Amounts displayed in Green indicates that it’s available for withdrawal; Blue indicates Frozen(You’ve provided help but it’s not up to 14 days yet) and Red indicates Not confirmed (You haven’t provided help or referral hasn’t provided help.)
REFERRING PEOPLE TO MMM
You do not need to refer anyone to MMM in other to start earning from it – that’s one thing i like about it.
However if you decide to tell anyone about MMM, do so after you’ve confirmed that it works (received money) and be truthful about it. Make sure you give them all the warnings and red flags i have shown in part 1 of this article.
If you don’t give them enough information / caution, they will abuse the system, cause delays to other participants and may commit offences that can get their account blocked.
The keyword is – Use Only Spare money for MMM so that you won’t be stressed or panic easily.
You get 10% of Any help provided by your referrals.
In summary, i currently now have over 1,000,000 gained from MMM Nigeria within a few months.
I always provide help and always request for help. I’m not keeping this to myself, i have showed friends, family and my Blog readers like you how to gain some passive income too with spare money by referring them.

Open Letter from Sergey Mavrodi to the Nigerian Authorities

18.12.2016
Honorable authorities,
So far MMM has come under a constant attack from you. In this regard, I would like to ask you a few simple questions. Since you are concerned with the interests of millions of your fellow citizens, I hope that  you would be so kind to answer them.
1. What are you trying to get? Do you want the MMM System to collapse and millions of people to suffer? Who will support them then if now MMM is their only means of livelihood? Will you? You even don’t pay wages to people? Or might you not care about them? Might you be using a trendy topic to make a good name for yourselves? What will you say to a mother who will have no money to buy food for her child? Will you let her child die for the sake of the higher interests of the economy?
2. You say that MMM is a scam. What is the scam here, if all members are warned in advance about all the risks, the possible and impossible ones? They know there are no investments at all. The warning is a red text on a yellow background placed on most prominent place of the website.
3. You say that MMM is bad. Why? Yes, it produces nothing, but nothing gets out of the country either. The money is just redistributed among the citizens of Nigeria. It gets from those who are richer to poorer ones, in this way restoring social justice. What’s wrong with that?
4. You have repeatedly stated that “it should be investigated!.. researched!..” It means you know nothing about this System yet; you even haven’t understood how it works. Isn’t it completely irresponsible of you to make all these allegations and play with the lives of millions of ordinary people?
5. And finally. If you know what is right for people, why is the life so bad in the country?
Sincerely yours,
Sergey Mavrodi
Together we can change the world!
P.S. As for your statement that “everything will collapse soon”. The system has been working in Nigeria for a year, and according to your estimates, the total number of members now is  about 3 million people. In Nigeria the population is approximately 195 million. Can you calculate? Will it be “soon”? :-))

Appeal to Journalists from Sergey Mavrodi

18.12.2016
Dear journalists, “analysts” and all kinds of “experts”!
Please stop using MMM to gain cheap popularity. Leave us alone and let us work without interference. I’m just astonished by your irresponsibility and cynical attitude. Interests of millions of people, your fellow citizens are at stake. Don’t you have any sympathy for them? Why are you fueling hysteria around MMM and provoking a panic? Why are you doing this so diligently and persistently, what is your purpose?
In fact, absolutely all your provocative and worthless articles and “analyses” (I said “worthless” because you do not have any real information about what happens in the System, and might have never had; you simply invent everything, fabricate it) are merely negative: “MMM has collapsed!!!.. MMM will not be working in January!!!..” etc. Are you intentionally presenting all of it in such a manner and whipping up tension by any means possible in order to increase the ratings of your publications and attract attention to them? Don’t you care about people at all?
So, nothing has collapsed, and MMM will safely resume its work in January, as announced. Suspension of work for holidays is a usual thing, merely working moment, no more than that. It would have remained a normal, just a part of the usual routine, and might have gone almost unnoticed if it were not for your totally cynical and irresponsible attempts to advertise yourself, create a scandal out of nowhere, and make the most of this news topic in any possible way.
Again, leave MMM alone and let us work. Nothing has collapsed, and MMM will perfectly resume its work in January. We Can Change the World!
Sergey Mavrodi

MMM永不崩盘的十大理由

1. MMM is an innovative and experimental platform where
people donate money directly to each other.
MMM是参与者直接互相捐款的创新和试验平台。
2. There are no investors and no investments in MMM. Money
is not invested in any asset. Money is donated to the other
person. As MMM members donate money, there are no
guarantees that people will be donated back. Everything
depends on the members themselves: they develop the
Community making it sustainable and creating a permanent
process of the exchange of donations.
在MMM平台,没有投资者也没有任何投资,只有捐款,但不保证回捐。一切都取决于参与者的行为。
3. MMM members are rewarded with Mavro after they donate
help to other members of the Community.
参与者捐款给其他参与者,获得马夫罗作为奖励。
4. 30% per month is not an interest rate, but an expected
growth rate of Mavro. Growth rate of Mavro and its amount
can be adjusted at any moment for the benefit of the
Community.
每月30%不是利率,而是马夫罗预期增长率。为了社区的健康发展,马夫罗数量和 增长率可随时调整。
5. Mavro is like scores or grades in colleges.
Where do grades come from? Is it possible for grades to be
out of stock? Grades are taken from nowhere. Students get
grades according to their performance. This is the same
withMavros.Mavrois an evaluation of the contribution made by
a participant for the development of the Community.
马夫罗类似学分:学生根据学习成绩获得学分,参与者根据对社区发展所做的贡献获得相应的马夫罗。
6. MMM is a self-adjusting Community. The algorithms of
matching senders and receivers and algorithms of Mavro
reward constantly get adjusted and improved.
MMM社区具有自我调节功能。发款人和收款人匹配的算法、马夫罗奖励算法时常调整,并不断改进
7. MMM cannot crash because it cannot pay its members.
This is due to the fact that MMM is not a corporation involved
in financial transactions, MMM just connects senders and
receivers.
MMM不是企业,不会倒闭。平台没有任何金融交易,不会付款给参与者,只是将发款人和收款人联系起来
8. The main factor in the MMM Community is its members’
behaviour. The aim of MMM is not to make people rich, but to
change their mindset, to encourage people to share what they
have with others. Members should not treat MMM as a money
making scheme.
参与者的行为决定MMM社区成败。社区的目的不是使参与者致富,而是改变参与者的心态,鼓励参与者分享财富。别把MMM当做一个赚钱项目
9. MMM members can choose the time when they provide and
get help. Usually members follow the principle: donate when
you have spare money and ask for money when you need to
buy something for your family. MMM wants to increase the
velocity of money. No need to keep money: share it with
others.
参与者自主决定何时提供帮助和获得帮助。手头有闲钱就提供帮助,家人要用钱就申请获得帮助。MMM平台只想加速资金流通。没必要把钱捂在手里,而应与他人分享
10. MMM wants to emphasise the importance of work and
productive labour. You should work not because you get paid
for that (working just for money is something like selling your
soul or body). People should work consciously and
deliberately for their personal and public benefit.
MMM强调工作和生产劳动的重要性,但工作不是为了钱(否则就是出卖自己的灵魂和肉体),而是为了个人乐趣和公共利益。
摘译:李庐年

MMM全球互助基金

俄罗斯企业家、金融家、前杜马议员Sergey Mavrodi谢尔盖马夫罗季先生(1955.8.11-2018.3.26)于2011年2月创立MMM金融互助社区,次年改为MMM全球互助基金。迄今互助善款高达5000亿美元,参与者超过2.5亿,遍及118个国家和地区。MMM运作原理类似银行、养老基金公司。

MMM中国成立于2015年4月,参与者300万以上。在MMM,每月获得30%的收益是可能的,但MMM不是投资。
MMM是一个公益的互联网平台
1)平台参与者互相直接提供现金帮助和获得现金援助;
2)平台为参与者彼此联系提供便利,并制定相关规则。
MMM不是任何经济实体
1)不是企业或公司:无工商注册,无办公地点,无任何经营活动;
2)不是生意:无中间商,无买卖合同,无抵押或担保;
3)不是投资:不投资任何实体或虚拟项目,无任何投资收益;
4)不是传销:不销售、也不消费任何产品或服务;不需要推荐下线。
MMM不违反任何国家的法律
1)无中央账户,无集资诈骗、卷款跑路的可能和必要;
2)明确的风险提示,不承诺、不担保,也不解释或提供理由;
3)参与者都是心智正常的成年人,自愿参与,自愿捐款;
4)法律不禁止心智正常的成年人处置自己的私有财产,如,捐款。
MMM平台约定:
1)参与者给他人汇款是“本人善意的表示”,是“绝对的无偿援助”,即DONATION捐款
2)参与者最低承诺捐款金额100元(上不封顶);只用非关键资金参与
3)全部捐款确认收到当日及之后,捐款人才有权请求他人给自己捐款;
4)捐款人能请求的最高受助金额=其当初的捐款金额X(1+N%),其中,N是天数(24小时为1天,从承诺捐款次日算起,不包括请求捐款当日,即,不包括头尾)。
比如,你1月1日承诺捐款1000元,1月30日全额汇出善款,2月1日受助人确认收款。假设你2月1日请求他人捐款,你可以请求的最高受助金额=1000元X(1+30%)=1300元。
推广MMM平台,奖励如下:
1.推荐奖10%:直接推荐某人参加MMM,奖励其实际捐款金额的10%;
2.领导奖:
1)非经理人:第1代:5%(推荐人和领导人非同一人;否则,0%);第2代:3%。
2)经理人:第1代:7%(推荐人和领导人非同一人;否则,0%);第2-10代 :5%、3%、1%、0.5%、0.3%、0.1%、0.05%、0.03%、0.01%。
参与MMM有风险!请以从善的心态非关键资金参与,或干脆不参与!
原创者:李庐年

MMM核心思想

今天的世界,金钱主宰一切!不公平,不公正,罪恶丛生。我们对这种不公平、痛苦的现状熟视无睹,认为世界原本如此!可悲可叹!
金钱
“金钱衡量劳动力”,我们从小就这样被灌输。现实却是,辛苦了一辈子,大多数人都在贫困中了此残生!子孙后代也会如此。媒体终日歌功颂德,谎言连篇,什么自由呀,平等呀!民众岂能与银行家、与金融寡头权利平等!
金钱绝非度量劳动力的标尺,而是无形的枷锁!我们都是金钱的奴隶,千百年来,莫不如此!无钱寸步难行!
诚然,人人都得工作,但应出于自愿,而非为了谋生;更不能有些人终年劳作,另些人却坐享其成。
钞票
钞票不过是带有字符的彩纸, 他人随意印刷,却作为“劳动力的工资”发给劳苦大众。人情冷漠,现实痛苦!
整个金融世界就是一座金字塔:塔尖是美联储,中间是各国央行,塔基是各个地方银行。银行似血管,金钱似血液,滋养着社会各器官。
银行
为何银行家工作少,收入却高达数百万?因为他们可以钱生钱,债生钱,凭空造钱!银行拥有无数储户,不会同时来取款。除非恐慌挤兑,银行虚拟的债务永不用偿还。
你贷款买房,便成了银行的奴隶。除非还清本息,你本人,乃至你子孙将永是银行的奴隶,准确的说,是全球金融体系的奴隶!
银行是美联储的忠仆,一直在伤害我们,还会伤害我们的子孙。如听之任之,银行甚至会变本加厉。 我们别无选择只能彻底摧毁现存的金融体系,建立一个新金融体系–一个公平、诚信的新体系!
金融启示如上!
唯有金融大变革才能砸碎金融锁链,才能把民众从延绵数千年的金融奴隶制中解放出来,才能拯救我们自己!
眼下是争取自由的最佳时机。随着MMM的降临,金融大变革是必然的!只是时间早晚而已!
自由的种子已播下,已生根发芽!一直在茁壮成长!永不毁灭!

MMM
MMM是全球互助基金,是金融社交网络,由世界各国数亿参与者自愿组成,共同抗击现代金融奴隶制。MMM已向美联储及其仆从宣战,并将赢得最后胜利!MMM力量与日俱增,令人敬畏,战无不胜,必将打破现代金融奴隶制,击败美联储!
MMM为黎民百姓而生!今天提供帮助,明天必获帮助。MMM是公共大钱柜,民众存钱于此,需要时来取。是继续将你辛辛苦苦赚的钱存入银行,成为下一个奴隶,还是加入MMM,帮助需要帮助的人,一切由你决定!
信心
人们需要金钱,更渴望美好未来。MMM雪中送炭,给你归属感,给你伙伴感!给你未来信心和希望!
MMM社会
MMM是一个全新的社会:公平、公正、诚实、可靠;没有奴隶,没有奴隶主,也没有我们今天意义上的金钱。人们为乐趣而工作,为社会而奉献!
善良终将战胜邪恶!MMM新世界的理想必将全部实现!
欢迎加入MMM!我们一起改变世界!
缩写:李庐年

参与MMM你想提供帮助多少,就参与存多少;您不想参与,就不提供。这就是三妹最朴实、也是最生动的解释。

其实,三妹就是这样简单:善良的人愿意帮助处于困境中的人们。当大家都这样去做,资金就会流通起来,而资金流通了,就会自然而然的带了现金流,而且是源源不断的现金流!这些现金流都100%的分配给我们自己,这才是三妹。

三妹不是商业投资项目,虽然可以获得更多收益率,它是公益互助基金福利事业。

自愿参与帮助他人的思想意识,相比保证获得收益率更有意义。这是三妹的核心思想理念价值观!