gets victimized. Reason? Lack of financial knowledge and most wants Instant Money. Who will forget Multitel (Multinational Telecom Investors Corp.)? Rose Baladjay started it, and it was probably the biggest scam in Philippine history. Approximately two million people invested in this company—which probably reached P100 billion. Multitel was so believable that they lured many military people and police officers to invest their hard earned money in the scam. Multitel promised 4 percent to 5 percent interest a month or 60 percent growth a year! They also offered to double your money in 18 months. This is why when you hear the word pyramid, the first thing that comes to your mind is SCAM. Agree?