Nigeria, Dec. 18 -- Have you just retired, or perhaps made a little money abroad after years of suffering in the cold, sending dollars home while eating noodles and pretending all was well? Congratulations - and condolences. You have officially entered the danger zone. You are now a moving ATM, a walking opportunity, a soft target wearing the badge of success.

If the answer is 'yes,' then I have a proposal for you. Yes, a proposal - the type that sounds intelligent, looks strategic, and ends with your bank account gasping for breath.

The job, they will tell you, is very simple. Invest a small amount of money today and make billions tomorrow. No stress. No risk. No clear explanation. Just faith, hope, and blind trust. They will say the s...