Listen up class, here is your water cooler and coffee break topic for today. Ponzi schemes, according to Kevin McCoy of USA Today, are named after an Italian immigrant named Charles Ponzi who duped thousands in postage stamp speculation in the 1920s. Ponzi played the fluctuations between U.S. and foreign currencies to buy and sell stamps, promising 40% return in 90 days. Of course, Ponzi's luck ran out, as will always happen after the supply of new investors runs out to pay those at the top. Imagine, being inventive enough to have a fraud scheme named after you. I wonder what is engraved on Mr. Ponzi's tombstone? You can read the article on Ponzi scammers here. And, whatever you do, don't be gullible enough to fall for one. Any unrealistic "promised" high rate of return denotes a fraud, sooner or later.