It was true in the twentieth century. It's true in the twenty-first. Barring an economic castastophe, it's always going to be true. It nonetheless bears repeating, if only because so many people fail to understand it. So I'll do my public service message for the day:
When someone promises you a 25% return on your investment every month, it's a scam. They're lying. It's not true. Run -- don't walk -- from the guy. (It's almost invariable a dude.)
Here's the latest Ponzi scheme to reach the Ninth Circuit. In which (1) the guy gets sentenced to 30 years, (2) his convictions get affirmed, and (3) I couldn't be happier.