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I received an email from one of my contacts and read through the information. I'm not the type to get sucked into anything that sounds 'too good to be true' but it sounded legit so I charged $97.95 for the start-up kit. The next day Mike Ramsey @801-858-3544 called me and asked about my finances and my marital status, etc. Something made me look on line about scams and sure enough, the company was listed!!! Then I found out from that same contact that it was a scam so I called my credit card company and they credited my card and closed my account. Today I get a VM from this Ramsey guy apologizing for missing our telephone app't but we didn't have any app't. I'm thinking he has duped so many people that he cannot remember who he has talked to!!!!..BEWARE