i-FERN scam or not?

i-fern scam or not

Have you heard of Fern C? The 9 year old MLM comapny selling vitamin C supplement in the Philippines? Well now, at the time of this writing they launched a new company called I-fern or Fern international. This new company now sells 4 products namely FERN D ( vitamin D supplement), MilkCa (calcium supplement), FERN-Activ ( a multivitamin) and Aurora (a facial cream).

The people behind the company

I went to the company's website to get the details, here it is below:

Tom Manny Tan
President and CEO 

Hannah D. Crisostomo
Vice president for Business Development and Marketing

Ma. Lourdez C. Corpuz
Vice president for corporate human resources and
Organizational Development

Eddie O. Senturias
Vice President for Network Operations

Romulo M. Garcia Jr.
Vice president for Information Technology

Jesusa Ortiz-Villavito
Vice President for finance

Companys address:
Northon & Harrison Compound
Sheridan Street Corner Pines Street
Mandaluyong City
Metro Manila
Philippines

Compensation Plan

There are 6 ways to earn in i-FERN

1. The Retail Profit
Earn up to 40% of the retail price
2. Fast Start Commissions
Receive up to $45 for your direct referrals depending on the package they purchase
3. Team Sales Commission
Earn $25 for every cycle you make and as much as $14,000 if you reach a certain sales volume.
4. Matching Bonus
As you earn Team Sales Commissions they are matched  and you earn more. It also increases as you move up in rank.
5. Group Sales Rebate
Earned monthly from the reorders made by your sales team up to 12 levels deep under the 3x12 matrix structure. Increases as you move up in rank.
6. Global Pool Bonus
Earn via the company's profit sharing.
3% o the company's global monthly global sales are are allotted for this.
 
This pay plan is without a doubt a lucrative one, but I still have my reservations. I think this doesn't solve the inherent problem with MLM/Networking which is the market saturation end game. The usual question of what happens to the bottom of the pyramid when almost everybody is already a member and there is no one to be recruited or sell to still remains.

If I were to change this compensation plan I would greatly reward those who are at the bottom because those that are on top are more likely rich by that time, on vacation and is not doing anything for the company anymore. Why not reward those who are working hard to promote the company?
Those who are on the streets giving flyers, those who are bugging family and friends to share the business opportunity of company and those who are online 24/7 writing blogs, adding as many friends on facebook and posting on every classified ads they can find on the internet. If only I am the CEO of this company at least I will give those bottom dwellers the Global Bonus Pool that is 50% of the company's net profit. Unfortunately, not everyone really cares about one another these days, its all about me me me.

My FAQ

We do not have a lot of history about i-FERN as it is just a newly launched company at this time of writing. But, we have FERN-C. The company FERN-C is 9 yrs old and is also run by the same people. It must have some kind of a track record already that we can check, and it is the best company to study to get information about  i-FERN's history. The most popular issues with FERN-C are the deceptive sales presentations of their distributors, unscientific testimonial claims and the true facts about the alkaline diet (for the full discussion on this topic regarding fern-c read http://paetechie.blogspot.com/2008/02/fern-c-sodium-ascorbate-alkaline-diet.html).
The questions now are this:
1. Can these issues of bad business practices be avoided in this new company?
2. What are the steps i-FERN are making to make sure this would not happen again?
3. Are they even making any precautions to avoid these problems?

Another thing that I can not help noticing are their products.The first one I have to mention is FERN-D, a Vitamin D supplement. For me it is the most ridiculous product. Vitamin D is normally acquired from sunshine that is totally FREE and abundant. In the Philippines we are NEVER out of it. Why would I pay a premium price when I could get my vitamin D for free and is easily available everywhere?  Why would I deviate from the natural way of getting my vitamin D to a synthetic supplement? Okay, maybe some people have abnormalities that they can not synthesize vitamin D in their skin but how many are these people? Do you think this product can easily be sold honestly?

The next worse product for me is the MilkCa "calcium from milk". It is just made from milk. What is so special about it? Why not just drink fresh milk? It will save you lots of money and keeps you away from the chemicals used to process it in a capsule form. The advertisement says "the goodness of milk in a capsule". How can milk be any good in a capsule? Many of us enjoys drinking milk, mostly kids, and also adults loves to put it in their tea or coffee. Why would it be good to encapsulate something we drink with pleasure?
If that is the case then big companies like San Miguel Beer and Coca Cola should be thinking of making their beverage available in capsule form.

For FERN-Active and Aurora the concern here is how competitive are these products to those that are available on retail stores. For aurora, Is this a unique one of its kind skin cream product? how does it compare via performance and price to a popular beauty creams like Belo products? For the multivitamin FERN activ, the competition is a lot tougher. There are a lot of heavy contenders out there like, Revicon, Enervon and Centrum. How will FERN-Activ be compared to them in terms of price and potency?

After these findings I would like to ask, did i-FERN really make a feasibility study of their product? Did they focus more about their product and not on the networking recruiting part?

Disclaimer

Be it clear that the article above are my thoughts that is a result of my own research, critical thinking and common sense. This is not an accusation but is just my opinion and questions. I am not a professional in any field so this article may not be treated as such.

If you wish to add a point, correct/suggest an edit, agree or disagree with me. Your valuable comments are welcome below.

Is i-FERN scam or not?

Frontrow Enterprise Philippines scam or not?

frontrow enterprise scam or not

Have you encountered this MLM company that looks like a a modeling agency? The company is called Frontrow Enterprise, and no, they are not a modeling agency nor it gives you a modeling career or job. They are a MLM/Networking company that sells health and beauty products. Do not be deceived by their pictures and postings on different job websites that looks like a real modeling job.

Who are behind this?

I went to their official site and I found this:

RAYMOND ‘RS’ FRANCISCO Raymond ‘RS’ Francisco, a graduate of B.A. Mass Communication at the University of the Philippines is one of the most sought-after and highest paid commercial directors in the Philippines. He’s been in the advertising industry since 1997, where he has directed major TV commercials for major brands such as Pantene, GSM Blue, Chow King, Close-up, McDonald’s, Globe, Smart Communications wherein he coached top-notch celebrities like Manny Pacquiao, Loren Legarda, Manny Villar, Judy Ann Santos, and Gretchen Barretto. RS entered the theater life at a young age of 10. His love for it led him to train formally in theater arts with Dulaang UP during his college years. He garnered most praises from audience and critics alike during his outstanding performance as the lead actor in M. Butterfly in all its 300 shows. This landed him commendable reviews in major spreads like Inquirer, and the cover of Newsweek and Asiaweek. His monologues during the annual staging of UP Samaskom’s LIVE AIDS are among the most anticipated part of the show. Aside from stage acting, RS also entered the world of show business. Among his movie projects are ‘A Love Story’, ‘Markova’ and ‘Midnight Dancers.’ His latest television project is a telenovela with GMA 7′s ‘Gumapang Ka Sa Lusak’.

SAMUEL ‘SAM’ VERZOSA Samuel Verzosa, a licensed Civil Engineer, earned his degree at the University of the Philippines and was set to follow the footsteps of his father in the engineering field. But fate has different plans for Sam. He found his mind and heart leading him to the rough and challenging road that is sales and marketing. Here he mastered the art of sales and communication where he emerged as a well-respected and promising entrepreneur. He earned his first million at the age of 22. Since then, his financial growth served as his motivating force and inspiration to help others as well. He wants to continue to be the inspiration to many people who want change and have a new perspective in their lives. His vision for the company is to be leading advertising, modelling and marketing firm in the Philippines. Being a wise businessman, Sam knows how and when to take calculated risks by investing in other business ventures. In 2008, he ventured into the clubbing business by opening together with his partners, Dolce Superclub in Quezon City. The club immediately became popular to many personalities and Manila’s social community. Following its success is the recent opening of their newest club, Icon Ultimate Club Manila located at Intercontinental Makati, which he is also joined by his partner RS Francisco. Sam is also involved in several business ventures in I.T. and trading. He is also helping in running and elevating their family businesses which include Saver Construction, Saver Hardware, and Saver Trucking.

(source: http://www.frontrowph.com/about/)

A disturbing story

While doing my research about the company, stumbled upon this very disturbing story which made me inflamed with anger.

But be it clear that THIS IS NOT PROVEN TRUE. Its up to you if you believe it or not. I just thought people have the right to know all the issues behind a company while doing their due diligence, true or not.

Frontrow Enterprise Cebu Scam

by: Jessa Mae Del Rio

To all Facebookers and users of Online Social Networking sites, Heads up! Just want to let you know of the latest Scam that was so alarming these days.

One of the Scammers and Human Exploiters that i personally know is the Facebook Page/account Named Frontrow Enterprise Cebu, they pretend to be a talent scout who search for local talents, but in reality they are just exploiters of Women!

if you search facebook, this site contains multiple account to avoid detection.

i was one of their Victim and finally decided to go in public to expose their evil misdeeds.

I was invited in Facebook and participated in their Online Picture voting contest. Beware this is their first step in Identifying their probable Victims.

Last June i got one of the highest votes and participated very well i was chosen to represent a certain product and was instructed to go to their Office for an interview.

I was given an address and noticed that the address they give me and since i got no idea and was so excited i proceed without any questions.

Surprisingly the place i went was not likely an office but an apartment/condo type of unit. I knocked in the said Unit Door and was welcomed by 3 guys inside.

When i was inside they talked to me, and believe me they are a very professional talker.

first they will ask you questions like:

How old are you?

Where did you live?

why are you interested in our site? ans stuff like that...

Until time comes they will ask you this:

HOW FAR CAN YOU GO OR WHAT ELSE CAN YOU OFFER SO WE WILL HIRE YOU AS OUR ENDORSER?

Beware they are just waiting for you to say " your willing to offer yourself to land a job"

well they can take you but i can assure you theres NO JOB AT ALL! and all they do is tempt you this way:

1. Promised you that if you do whatever they ask without an question they will hire you and you will earn like 9k to 15k part time job and upto 35k in fulltime job. sometimes they will do a offer higher depending in how beautiful are you and how badly they want to exploit you sexually.

Beware, as they dont have any job at all, and if you will do what they asked you will just give yourself out of nothing and the worst part is you will get recorded in tape and posted in thier online sites and other Porn posting sites like Youporn.com

back to my real life story:

i get in and as mentioned i got asked by those questions.

and a guy told me, can you follow instructions without asking questions?

can we wont hire girls with pretty face and wont do the job for us.

so in excitement to take a job and thinking i can get the Job that i was dreaming off since i was a child, i Answer "YES"

So one guy asked me to prove it by making me naked in front of camera.

the guy said its a part of the interview and all interviewee must go the same process to see how far the can go in this kind of job.

they also said the video will be deleted once their boss will approve my application.

they said a lot of things just to convince me and finally i give in...

i was being naked in front of 3 cameras and this guys start touching my private parts,

1 guy force me to blow job hes penis and the other 2 forced me into sex.

those things happen way out of my consent, i keep on saying " please no " but they wont stop.

they keep on exploiting me for more than an hour.

3 guys had violated by woman rights and human rights that day.

and i really want to have revenge but they secure the tape which has the record of that event and warned me that if i expose the incident to them they will spread my video to every public video posting site like you tube and others.

i was crying badly that time and i exit the building like i lost everything, cause infact i did lost my virginity to those pig.

i hate them so much for doing that to me and i don't care if they will post my video now, whats important to me is that other people and woman like me will be aware that they are just a scammer and exploiter of women. they will not grant your dreams and make them come true, they will just destroy it.  (source: http://frontrowenterprisecebuscam.blogspot.com/p/frontrow-enterprise-cebu-scam.html)

Nobody knows if this story is true, but it is worth mentioning to make the public aware just in case this horrible modus operandi exist.

Questions galore

The compensation plan of Frontrow Enterprise is not readily available online. I assume you have to be in one of their meetings to know it so I can not judge how lucrative it is, all I can say is, its not much different to a common MLM/Networking company. Now, I have to question, are they making much money on selling the product? or by recruitment? Is the inherent problem of MLM/Networking addressed like market saturation?

About their product, how is it priced compared to their competitors especially those that are not distributed via MLM/Networking? (e.g. their new vitamin C product)

What claims does it have for you? Is the value of the products really worth to the last centavo of your money? With that price tag, is it easy to sell it to ordinary people?

Another thing worth noticing is what I think a bad business practice called deception. Why is Frontrow Enterprise advertising and posting to different website as a job offer?

Its very rampant around the web, from jobstreet, facebook to the classified ads website sulit. A lot of them are titled "part time job" or "become a model endorser" with studio pictures of models. People are notoriously deceived expecting for a real job or a modeling career and visit their office in Quezon City, only to waste their time and money. And worse, get stuck in a 3 hrs networking seminar that they don't want.

Disclaimer

This article is my own thoughts opinion and is the product of my research, critical thinking and common sense. I am not a professional in any field, I am just an ordinary person hoping to create awareness to the public.

If you wish to add a point, correction, suggest anything, agree or disagree with me, your valuable comment are very welcome below.

Is Frontrow Enterprise Philippines Scam or not?

Is this a legitimate MLM/Networking or a recruitment based pyramiding scheme? Read my other post and you decide.. http://scamornotdebate.blogspot.com/2013/05/mlmnetworking-scam-or-not.html 

DXN Ganoderma Philippines scam or not?

dxn scam or not?

One of the top and popular company in the MLM realm is DXN. It was founded in Malaysia in 1993 by Mr. Siow Jin Lim. This company is not only marketing food supplements using Ganoderma or Lingzhi, but they also are cultivating and manufacturing their own products. Aside from that they also are in categories like household products, water treatment systems, personal care, skin care, food and beverages and cosmetic products. DXN is well known from its motto: "One Dragon One World One Market and One Mind". In 2010 they have over 4 million distributors from from 153 countries worldwide. (see: http://en.wikipedia.org/wiki/DXN_%28Brand%29)
This company has already passed the 10 years mark. The usual basis for a MLM company stability. Majority of MLMs have very short life span. Those who pass this 10 year mark will more likely last long.

Why DXN survived

The major reason I see why DXN have lasted for more than ten years is that they manufacture their own product. They do not rely on suppliers and they have their own farm and factory. In this way they save a lots of money. Another reason for DXN's longevity is that they do not use the controversial binary system in their compensation plan. Although binary is more lucrative,this system has a huge tendency of the members to concentrate and earn mainly by recruitment. Everybody who is knowledgeable in MLM knows  the more lucrative the pay plan is, the more chance the MLM company shortens its life span.
Additional pros about the company is their strict users policy and procedures that members are obliged to follow. This lowers DXN's reputation degradation due to minimal bad business practice and ugly experiences of people (see: http://www.dxnusa.com/forms/USEnPolicyProcedure.pdf).

Possible gray areas

DXN has been around for a long time now and distributors are rampant everywhere. Innate to MLM, they do not have area rights and in DXN, it is clearly stated in number 10 of their users policy and procedures.
 10. Restriction / Right to Area 
 All distributors are not allowed to have any restriction or right to a particular geographic
area.  Distributors are not permitted to declare that they have any specific right on a
particular area.
This now pose area saturation problems, unlike franchise business they have area contracts. They are protected from loss of sales and costumers due to competition from their own branch in the same area. But this protection is not naturally existing in MLMs. One of the great killers of MLM is market saturation and in DXN, like many MLMs this problem has not been addressed.

DXN have a wide range of products but mainly they are into food supplements and health beverages making use of Ganoderma or Lingzhi, which they culture and process themselves. Even with an own farm and factory, their prices are still no match to their competitions that are distributed via normal business model. A good example of this brand is Jimm's 7 in 1 coffee, It is not distributed via MLM so it is much cheaper and  are easily available to everybody on retail stores. It has lots of healthy herbs in it namely Agaricus blazei Murll, Korean ginseng, Spirulina and Ganoderma. It is a popular brand here in the Philippines so I can not help but consider it as a heavy contender of DXN.

Disclaimer

The article above is my personal views and opinions that is the product of my own research, critical thinking and common sense. I am no expert in journalism or in any field. I am just an ordinary person expressing my own thoughts.

If you wish to add suggestions, agree or disagree with me your valuable comments below are very welcome
:)

Is DXN Scam or not?

Supreme Wealth Alliance scam or not?

supreme wealth alliance scam or not

A company founded by MR. FRANCO RENATO A. CHAVES that launched just August this year. Supreme Wealth Alliance mainly uses Facebook for promotion but a lot of advertisement post are also found on Sulit.com.ph. Their product is a  membership access to their online library full of eBooks. 
In the Philippines, Supreme wealth alliance is affiliated to Chavesnet Enterprises also owned by MR. FRANCO RENATO A. CHAVES but Supreme wealth alliance itself is registered in Belize in this address:  
5th floor of Marina Towers, Newtown Barracks, Belize City, Belize, Central America.


Below are their scanned legal documents from Belize:

 

Compensation plan

The company's pay plan is a combination of two compensation plan called 2x2 Matrix and Infinity pass up.

 To know about how 2x2 matrix work watch this video

 

For infinity pass up watch this

 

 

They did this system to cover each others weaknesses as the weakness of pay plan 1 is the strength of pay plan 2 and vice versa. See the table below:

2x2 Matrix	Infinity pass up
Major strength	Major strength
-earn more than double quickly with just six people under you	-earn up to infinity where commission rate is still the same even up to infinite levels
-your direct referrals always follow you into your current active matrix or overall network	-earn already from your first direct referral
-the “spill over “ feature allows strong referrers to help weaker marketers	-the commission from each pass up to you is equal to 100% of the pay plans entry fee
Major weaknesses	Major weaknesses
-as your network goes larger and  deeper into infinity, your earning potential gets smaller and smaller	-some of your first few referrals are passed up to your referrer
-you only earn when you fill up six people under you	-there is no “spill over” feature so strong referrers cannot help weaker marketers

 

Some areas that need clarification

This is a very lucrative MLM business online and there are very few like this in the Philippines. However, It is not all that good and some issues needs to be clarified. 

The first issue I see that needs clarification is about the legality of the company. I believe that MR. FRANCO RENATO A. CHAVES is a Filipino, and Supreme wealth alliance is operating mostly in the Philippines.

See the regional interest of Google trends  below:

Questions now arises. What is the real relationship of Chavesnet Enterprises to Supreme Wealth Alliance? 

Why is Supreme Wealth Alliance needs to be registered in Belize when the owner is Filipino and it is mainly operating in the Philippines? 

In addition, if you scroll back and take a close look at their scanned legal papers from Belize, why is the name of the founder and CEO of Supreme Wealth Alliance FRANCO RENATO A. CHAVES is no where to be found? 

Only the name of Oscar B, Sabido appears which I believe to be a notary public attorney in Belize based on the scanned documents. 

Another Issue that concerned me is about consumer rights and protection.  If this business has no physical office in the Philippines, where will consumers go to for their complaints? Also, Supreme Wealth Alliance is registered in another country, will Philippine law still have jurisdiction over Supreme Wealth Alliance in case of any fraud lawsuit? 

Lastly, a company that recruits and sells eBook about how to be good at recruiting others to make money smells fishy to me.

Disclaimer

The article above is my own personal view and opinions. 

A product of my due diligence, critical thinking and common sense. I am also not a professional in any field, 

I am just an ordinary person expressing my thoughts. 

If you wish to share, suggest, agree or disagree with me your valuable comments below is highly appreciated. 

Is Supreme Wealth Alliance scam or not? 

Update 1/12/2014

Since SWA is online based I just thought this is a good post to find someone who already have experience in internet marketing that could relate well to the new post I made. Internet marketing is not my strong point I would appreciate if someone could give a personal experience on it.. thanks

here it is: Google Sniper scam or not?

Update 1/23/2014

One of the websites associated with SWA is harboring a Trojan horse virus. Fortunately for me my anti virus detected and block it. Be careful guys. here's a screenshot,

swa scam

Organo Gold Coffee Scam or not?

organo gold scam

Organo gold is an MLM company started by Bernardo Chua. Although this company is based the U.S.A. the founder is not new to the Philippines.
Bernardo Chua teamed up with Shane Morand his co-founder and Holton Buggs their vice president, a veteran MLM executive and a black American. Possibly the reason why Organo Gold is popular mainly with the American Blacks. Another name worth mentioning is Josephine Roxas, the Philippines's Country manager of Oregano Gold.

The company exploits one of the worlds most consumed beverages and traded commodity which is coffee. They claim to make coffee healthy by adding Ganoderma (reishi mushroom) into the coffee mix. An ingredient that have been used for over a thousand years in traditional Chinese medicine. 

Compensation plan

Summarizing the compensation plan there are 7 ways to earn:

1. selling organo gold products to retail costumers and earn profits of up to 100%. Paid daily and/or weekly. 
2.  sell OG promotional product and earn immediately from $20-$150
3. build your downline one on the left and one on the right. potential earnings for you is $50,000. Paid weekly
4. Bonus from products ordered and re orders of your downlines 9 levels deep. Paid monthy
5. earn a percentage of the Unilevel Bonus earned by your Personally Sponsored Distributors, up to 4 levels deep. 
6. Become an OG Leader. You can earn additional bonuses as deep as four generations of qualified sapphire distributors and above.
7.The ultimate reward. qualify in sharing 3% of Total Worldwide Unilevel commissionable volume

(source: http://www.organogold.com/c/US/compensation.html) 

As you can see from the summary, the compensation plan is very lucrative. And personally for me I would raise a red flag half way just because of that. 
But what really makes me give it a one full red flag are the numbers 3 to 7 in the compensation plan. Where would they get the money to generously compensate all those useless layers 4 to 9 levels deep? There is no other source I see, it would either be the costly fee paid to join or an overpriced product, and possibly both. Another thing that would make me think the products would be priced ridiculously high is the packaging they use. 
Although I am not really sure of this, I posted a picture below and its for you to decide if a substantial portion of the product price is paid for the package it comes with. 

To me it looks like it is a carton of an expensive bottle of wine. 

For a more detailed compensation plan 
see: http://ogglobalteam.com/static/download/og-compensation-plan.pdf 

If you did visit the detailed compensation plan in pdf file format, I don't want you to miss the Income disclosure written in a faded ink at the foot of pages 5 onwards. I do not know why this is written in a way that it could be ignored when it is one of the most important detail for people to consider when making a decision. But just in case you did miss that, here it is below, bold and clear

Income Disclosure: We estimate that, in Canada, the average plan participant
will earn between $200.00 and $300.00 per year.  

Does $200 -$300  per year income still looks attractive to you? Well, this is the reality! The chances of you being successful and earn tens of thousands of dollars is only 2%, about 1 in every 48 people. This is worst than betting all you got on one of 38 numbers in an American Roulette casino game.

 

Company Issues

For a good background check of a company one must know all issues the company is facing. One of well known issues involving Organo Gold is the accusations of Jay Noland, a co-founder of Oregano Gold who got terminated from the company. Here is a list of his accusations: 

1) The Lawsuit 

2) Breach of Integrity 

3) Deceptive Trade Practices 

4) Lies and Back-Stabbing 

5) Multiple Business Centers owned by the People at the TOP 

6) How the company was put together

7) How some people are not getting their checks and/or products on time 
 
Interestingly alarming audio calls made by Jay Noland about these allegations are available for everyone to hear. Visit:(http://www.organogoldscam.org/). Also, a Class Action Lawsuit is planned to be launched by a group of cheated distributors against Organo Gold. If you are one of those victims you can contact the group in this email ogScam@yahoo.com.

Be it clear that these allegations are not yet proven so it will not be a basis of judgement against Organo Gold. However, I feel that the public has the right to know and that this will be an essential consideration for their decision if this company is right for them.

Why I think Organo Gold will fail in the Philippines

Filipinos love coffee like Americans do and it has been around in the Philippines for a long time. Saying that, there is a huge demand for coffee here, but so is the fierce competition.
Will Organo Gold stand out from the competition? Is ganoderma coffee mix unique to Organo Gold? My answer is a big NO, there is nothing unique to Organo coffee that other competitors do not have. I am proud to say my coffee brand is a lot better than organo gold.

Jimm's coffee better than organo gold

This coffee brand is available in retail outlets and not involved in a MLM scheme. I would predict Organo gold products will be no match in terms of competitive price against Jimm's coffee.

Jimms coffee have more healthy herbs than organo gold

 If Organo gold is advertising their coffee as healthy just because of Ganoderma addition, take a look at this picture on the right. See how many more herbs aside from Ganoderma are in Jimms coffee.









I hope I have shown you enough and hopefully it is clear to you why I believe organo gold products will not likely prosper here in the Philippines. If they argue that you are paying a huge extra just because of the business opportunity that comes with Organo gold then that could be another red flag and is a ground for considering Organo gold as a "product based pyramid scheme". A rule states that for a MLM company to legitimate the product must have a "fair market value".

Disclaimer

The article above are my personal views and  is the product of my own research, critical thinking and common sense. I am also no expert in journalism or in any field. I am just an ordinary bloke expressing my own thoughts and opinions. Therefore this can not be used as a professional reference.

If you wish to add points, suggestions, agree or disagree with me your valuable comments below are very welcomed 
:)

Is Organo Gold Coffee Scam or not?