DEAR HARRIETTE: I think one of my friends might be working for a pyramid scheme. I can’t be sure, but he basically plays the role of a financial adviser and “helps” people invest their money. When they turn a profit, he gets a percentage. The more they invest, the more he gets paid. He offered me his services recently -- encouraging me, really pushing me, to take the leap and invest. I felt uneasy about it, so I did some research, and the company has a horrible reputation according to reviews on Google and the Better Business Bureau. I’m upset because it feels like he was hoping to profit off of my ignorance, but he doesn’t seem to get it. How can I explain to him that his company is taking advantage of vulnerable people? -- Dodging Scams
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DEAR DODGING SCAMS: Talk to your friend and keep it personal. Tell him that you wanted to be able to support him in his new business, but something felt off about it to you, so you did some research. Show him what you found. Pull up the Better Business Bureau and Google records. Don’t just tell him your concerns. Let him see for himself what the reviews have been. Express your genuine concern that he is trying to get innocent people, friends even -- just like you -- to invest in something that does not seem safe. Tell him you are uninterested, and further, that you feel it is unethical for him to do this considering what you have learned about the company.