It’s nearly a year since I first became of the Money Merge Account and ten or so months since my first post on this program. One aspect of MMA that I’ve not discussed is the fact that the program is part of an MLM (Multi-Level Marketing) sales structure. Why does this matter, you may ask. It would appear that this is the origin of the claim that there are no/few complaints on file with the Better Business Bureau or government agency. Most users have been coaxed not only into buying the program, but into becoming agents themselves. Considering the $3500 cost of the program itself, what’s an extra $175 to sign on as an agent? Clients are sold on the fact that they can ‘help others’ and after selling 5 or so more people into the program can pay off their original investment. One reader of my blog told me that when he wrote an agent for an analysis and advised a very tight budget, she offered to include $450/mo as the income he could make selling just one new client every two months, and proceeded to include that in the projections. As Tracy Coenen offers on her Fraud Files blog, United First Financial broker numbers and earnings, the number of sales of MMA is barely twice the number of agents, so each agent has an average of one sale, enriching those at the top, but making little for themselves. Twice scammed, unfortunately.