Investing

Is Big Book of Income a Scam? – Review of Zach Scheidt’s Investment Book

The Big Book of IncomeThe Big Book of Income is an investment manual written by a guy name Zach Scheidt. This big book he claims to give you the secrets to earning extra income in easy and effective ways. But is this really true? Is all the hype surrounding this product and the over-the-top sales pitch that you probably heard backed up by an amazing product that works as he says it does? Or is this just another hollow sales pitch for a product that is less than what it claims to be?

Well… In this review I’m going to be giving you my take on it. I am not promoting this product nor am I affiliated with the publisher of it in any way, so I’ll just be giving my honest opinion on what I think about it as well as taking into consideration what others think about it as well.

Big Book of Income Review

The Big Book of Income is a book written by Zach Scheidt that supposedly gives you 47 income “secrets” that will help you earn easy money. This book is more focused on older generations, particularly those looking to retire, or who have already retired and are looking for extra income.

But don’t fall for the sales pitch that the marketers behind this book throw at you. The sales pitch is very misleading and basically has you thinking that you are really hitting the jackpot. I mean the book is free and all you have to do is pay $4.95 for shipping… It wouldn’t go for this offer?

After all it is advertised as a way to “Squeeze as much as an extra $6,840 per year out of your Social Security benefits”. And also supposedly provides you with information on “How to legally beat the IRS and claim half of a year’s salary from the Federal Government when you retire”

Sounds incredible right? It even claims to teach you “How To Make $35 An Hour Walking On The Beach”. Now seriously… Who wouldn’t want this book. Of course I want to earn $35 per hour walking on the beach. It would ever even wanted job if you can earn this kind of money in paradise?

Well unfortunately as I said, the sales pitch is way over the top for this product. It is very misleading and way over-hyped. While this Big Book of Income does seem to provide some good investment information, it is not the miracle book that it may seem to be.

A Look at The Author… Is He Qualified To Write Such a Book?

Zach Scheidt is the author of this book, as mentioned. But is this guy even qualified to provide you information for making sound investments?

I looked into him and from my perspective he does seem to be qualified. He has been a financial newsletter editor for Agora Financial for a while now and before that he worked as a market analyst and managed a multimillion dollar hedge fund. You are welcome to look into him for yourself, but from my opinion he seems to be very experienced and have a lot of good information to advise people with.

While doing research on him, I also saw that he has a few e-books available on Amazon which had pretty decent reviews.

Beware… This Book May Cost You!

Okay, so the book is free right?… And all you have to do is pay for shipping right? Well this is true, but there is more to the story.

When you choose to grab your free copy of this book and pay to have them ship it to you, you are not only signing up for getting the book. You also get bonuses along with it… In they could cost you.

Below is a screenshot that I took on the sales page of everything you get when you sign up for this book. What I really want you to focus on here is the very last checkmark… The 30 day trial to Zach Scheidt’s monthly income newsletter called “Lifetime Income Report“…

You see what you may not have caught is that you will be signed up for this newsletter. It’s an easy thing to mess because I think only one time in the sales page do they tell you that a subscription for this newsletter does cost you. In the section above they call it a free 30 day trial but don’t mention anything about the price after those 30 days. As you can see below from another screenshot I took, they will bill you $99 for a one-year subscription after the 30 day trial is over.

Let me reiterate this. You automatically get signed up for this free trial offer for the “Lifetime Income Report” newsletter and if you do not cancel within 30 days you will be charged $99.

What Other People Are Saying

I wasn’t really able to find anything in the way of reviews for Big Book of Income. I found a few other reviews that basically warn people about what they are really getting into, as I’m doing in this review, but no real customer reviews about the Big Book of Income.

However, since Big Book of Income is basically just part of a sales funnel to get you to buy into the Lifetime Income Report newsletter, I will tell you that there are a fair number of reviews out there on the newsletter. I actually already did my own review of Lifetime Income Report that you can read, but I’ll give you a basic overview of what people are saying.

For the most part there are a lot of complaints from the misleading marketing tactics used, which led people to buy in without really knowing what they were getting into. The newsletter focuses on stock market investing with the goal of investing in companies that will yield high dividends.

There are some good reviews that I read over but no one claims it to be a miracle investment manual like it basically claims to be. The investment advice is good and I’ll leave it at that. Most of the many complaints just had to do with the misleading sales pitch and then there were some from people claiming they were overcharged, had a hard time canceling their subscription and what not.

Agora Financial, which is the company that publishes this newsletter, is well known for pulling stunts like this. I have reviewed a number of their publishings including “Freedom Checks“, Lifetime Income Report of course, and True Momentum. They all have some of the most ridiculous and misleading sales pitches I’ve ever heard in my life and its no wonder people give this Agora Financial company bad ratings.

If you look at Agora Financial on the Better Business Bureau’s website you will see that they are not accredited but have high number of negative reviews and complaints…

Conclusion on The Big Book of Income – Should You Get It?

Ok… so let me summarize everything here: The Big Book of Income is a free book that costs $4.95 to order because you have to pay for shipping. When you pay for it you will automatically get subscribed to Lifetime Income Report for a 30 day free trial, which you will automatically be charged $99 for after the 30 days unless you cancel. Basically the Big Book of Income is just the bait at the end of a hook trying to reel you in, which doesn’t mean that its not any good by the way.

So if you do pay for the Big Book of Income to ship to you make sure you know what you are getting into.

Leave any comments or questions you might have below and I’ll get back to you soon 🙂 I hope you enjoyed.

​Read More
The Computer Geeks
Easy Money Scams

Is The Computer Geeks a Scam Program or Can You Really Make $379/day? – [Review That Isn’t Promoting It]

The Computer GeeksThe Computer Geeks claims to be a great opportunity to make money online. In fact, it states on their website that is the “#1 choice for success online”. But is this really true? Can you really make $379 a day with this opportunity? Or is The Computer Geeks a scam that is going to be a waste of your money and time?

The truth is that this program is nowhere close to what it seems to be. The information provided on the sales page is very misleading and will have you thinking that this is going to be an easy way to make money online when it really is not… Not even close. In this review I will be going over the reality of what’s going on here and telling you what you need to know. If you are thinking about buying into this program you are going to want to think again.

The Computer Geeks Review

The sales pitch for this The Computer Geeks program is presented by woman named Karen Williams. She claims that you can make up to $379 per day with only 60 minutes of time dedicated to this opportunity. Right off the bat this is sounding a bit like a scam. It sounds too good to be true and I’m guessing that is why you told the time to do a little extra research on this and are reading my review now… And it’s a good thing you did.

What I first am going to explain in this review are the claims that are made about making money with this and how misleading they really are. Then after that I’m be showing you some of the blatant lies they tell you.

How You Make Money With This – VERY MISLEADING

Okay so let me tell you is that you will be making money posting links for companies online. They tell you that there are big companies out there that are desperately looking for people to independently post links from their home and while this is true to some extent, anyone who reads the sales pitch is going to be misled.

The method of making money she is talking about, which she refers to as “link posting”, is actually called affiliate marketing. This is a common business model for beginners looking to make money online to start out with. It is a legitimate business model and you can make money doing this… After all this is how I make a living online.

In a nutshell, with affiliate marketing you promote products for different companies online via affiliate links and when someone clicks your links and purchases the products that you are promoting you get paid a commission.

She tells you that you will make an average of $15 per link that you post and each link only takes one to two minutes to post. This is all a complete fabrication to make this opportunity is easier than it is. With this “link posting” you only get paid when someone clicks on your link and then purchases the product you’re promoting, as I just said. There is no way to predict how much a link will make you. How can you possibly predict the number of people are going to click a link and purchase the product? I have been doing this since 2015 and I can tell you that there is absolutely no way to even come close to accurately predicting this.

Also, while it may only take one to two minutes to post a link, there is much more to it than just that. If it were this easy everybody would be doing it and I would have all of my friends and family doing this in their spare time.… But it’s not it’s easy of course.

If you want a legitimate program that teaches you how to make money with “link posting” (affiliate marketing) then I highly suggest you take able this program. I have been a member since 2015 and this is where I started out.

So anyway… The business model that they describe here is legitimate, just that they describe it in a very misleading way to sucker people into this program which they make same as a super easy way to make money online.

Just a Bunch of Lies

There are a bunch of lies that I could go over on this website, but I’ll just go every few.

The first thing I want to point out is that this program has never been featured on the news. At the top of the website they display a lot of news station logos which leads you to believe that this opportunity has been on the news. Although they do not come out and specifically say this, it is easy to see what they are trying to do here.

They even play real news broadcasts out work from home opportunities. However, none of this has anything to do with The Computer Geeks program.

They also tell you that there are only a limited number of positions left in your area, which is not true at all. If you were to exit the page and come back in a week’s time it would be telling you the same thing. So this doesn’t make any sense and besides that with affiliate marketing there is no limit to the amount of people you can promote products for companies. It’s not like having employees where there would be a limit.

Another thing that you should know is that Karen Williams does not exist. Her whole story was all made up. It was all a ploy to try to relate to people looking to make money online in the attempt to sucker them into buying this program. Below is a screenshot from the website of Karen Williams…The Computer Geeks Karen Williams

And below this you can see many screenshots that I have taken, various other programs with the same image and/or the same story, but all of these woman have different names.

Kelly Richards, Kelly Simmons, Bobbie Robinson, Susan Whitman, Mick Moore, Raena Lynn, Heather Smith, Shelly Davis, Lisa Cadwell, & Cami White Work at Home Scams

So where did I get all these screenshots?

These all come from identical programs that have been rehashed over the years. This same “link posting” scam program has been rehashed many times in three different names. Some of the many names that it is will, which I have reviewed, include Computer Experts Online, Home Based Wealth System, Xtreme Home Paycheck, Accelerated Income, Home Internet Income and more. Below you can see screenshots I have taken of the different homepages and how they are identical except for minor changes… link posting scams

Conclusion on The Computer Geeks – Avoid

You can make money with this program, so I guess it’s not a total scam. They will give you a pre-made website along with some training but overall the program is very poor and there is no way I see anyone making $379 per day with this.

If your opinion is different from mine you can go ahead and join the program, but this just isn’t something I would recommend. Like I mentioned earlier, if you want to make money with affiliate marketing then I would suggest taking a look at the program I recommend here.

​Read More
Money Sucking Websites
"Get Rich Quick", Easy Money Scams

Money Sucking Websites Review – Another Scam System… You Will NOT Make $500/day!

Money Sucking WebsitesMoney Sucking Websites claims to be a “push button” system that can easily generate you $500 per day. To make things even more crazy the spokesperson tells you that you will be getting $500 just for entering your email address, name, and watching the darn video presentation. But this is all just a scam guys and gals. I’m guessing you had your suspicious that this was the case. After all… you are reading my review right now.

In this review I’ll be going over why this is a scam. Its filled with a bunch of lies and misleading information that I’ll expose to you to prove my point. You are NOT going to want to get involved with this. It is a Money Sucking Website indeed… because it sucks the money out of people.

Money Sucking Websites Review

A system that will make you $500 just by pushing a button? Having so much money that you won’t even know how to spend it all? You don’t have to know a thing to get started?????

Seriously… who wouldn’t want to join something like this…. if it were true of course.

This site has all the makings of your typical get rich quick scheme. The scammers who created it lure people in with the hopes and dreams of making super easy money online and tons of it… all at the push of a button. The spokesperson acts as if he is going to give you these “Money Sucking Websites”, as he calls them, and you are literally just going to be able to click a button on your computer screen to activate them, in which they will then start making you tons of money… dumping money into your bank account 24/7.

As a role of thumb… when something sounds too good to be true then it probably is. This sounds like a magical system but not realistic in the least. It sounds way too good to be true and that is because it isn’t true… its all a lie. Its all a scam designed to suck the money out of you and other people looking to make money online, which is the opposite of what you want.

Proof That Its a Scam

Besides the massive amount of hype about this opportunity and the fact that it sounds like fiction rather than reality, there are some lies that I can prove to you about this scam system.

#1 – Fake Testimonials

Below the presentation video you will see people who have supposedly made tons of money using this system. However… its all a lie.

I recognized the one woman immediately because I have seen her before on numerous other occasions. This woman is actually a paid actor on Fiver. She has not actually used the system. The people behind it have paid her to appear here…

All the other testimonials are fake as well but I think 1 proves my point.

#2 – Fake Limited Positions Counter

The counter at the side of the page is also completely fake. This tells you that there are only a few positions left to try to make you buy in as fast as possible. As you are watching the video it will drop a few spots and may seem legit but it isn’t.

If you leave the page and come back to it you will notice that the number of positions left will go back up and then decrease all over again. Its all a scam.

They do this to try to get you to buy in as fast as possible so that you do not go out there and read reviews like mine that will tell you not to buy in… but of course you didn’t fall for that.

Old Scam New Name

This “Money Sucking Websites” scam is really just a re-hashed old scam called FB Bonanza, which is a scam that I also reviewed quite a while ago.

You get a hint about this being the case on the website. If you scroll down below where the first video is, right beneath where you are supposed to enter your email address + name, you will see this…

As you can see it clearly mentions FB Bonanza yet there was no mention of it anywhere in the video presentation. Why is this?

Well because this is really just FB Bonanza with a fancy new name. It is common for scam systems to mess up like this. The scammers behind it probably just copied the system, put a new name on it, but didn’t catch this error where they left the old name up.

When looking into potential scams you should always look for small errors like this that are clues something isn’t right.

This scam is very similar to a couple others I’ve reviewed named Facebook on Fire and Facebook Cash System.

Super Easy and Fast Money Online = Scam System

The reality is that there is no super easy way to make tons of automated money online. If you simply avoid systems that claim to provide you with a way to make money like this then you will avoid 99% of the scams out there, like you did today.

I’ve been making money online since 2015 and have looked into all kinds of different opportunities. And while it is possible to make good money online, it is not possible to make it as easily as this scam leads you to believe.

I actually make a living working online now but it wasn’t a smooth ride getting to this point. I’ll leave a link where you can learn more about how I make money below if you are interested.

Conclusion – SCAM

Money Sucking Websites is a scam all the way. There are no ifs, ands, or buts about it… its a scam…. a nasty scam that sucks the money out of people looking to make money online. You will not get $500 for watching the video and you will not make $500 with this system. Instead you will just end up losing $47 if you buy into it, which hopefully you didn’t do yet.

Anyway… I hope you enjoyed my review and I hope I helped you out. If you want to see how I make make money online legitimately you can read my guide here. In this guide I go over what exactly I do, how it all works and what I consider the best way for beginners to get started is.

Leave  any comments of questions you might have below and I’ll get back to you soon 🙂

​Read More
Bitcoin News Trader
"Get Rich Quick"

Bitcoin News Trader Review – What a Scammy Scam

Bitcoin News Trader

The Bitcoin News Trader claims to be an easy way to make money in the cryptocurrencies market with bitcoin and other various cryptocurrencies. But to be honest… It seems a little too good to be true, which is probably why you are doing a little extra research on reading my review now.

It is Bitcoin News Trader a scam? Will it make you rich? Is this worth the risk of getting into? I’ll jump straight to the point here and tell you that I’m about 99% sure Bitcoin News Trader it is indeed a scam that you should avoid. I will be going over why I’m saying this throughout this review. There are many red flags are common signs of related cryptocurrency scams on their website and many reasons to avoid it overall.

Bitcoin News Trader Review

Bitcoin News Trader claims to be an easy way to get rich basically. You are led to believe that the system does all the work for you for the most part. What it does is gives you buy and sell signals and you simply click a mouse to act on them. Sounds amazing right? Unfortunately like I said it’s probably a scam.

When I look into questionable opportunities like this one, I always look for reasons that could potentially validate its legitimacy. In other words, I pretty much assume it’s a scam and look to be proven wrong. Unfortunately when reviewing this Bitcoin News Trader system my assumption that it is a scam seems to have been proven more and more.

Below I’m going to go over some of the many red flags that caught my attention when taking a deeper look into this.

Red Flags…. Signs of a Scam

#1 – Unbacked Claims on How It Works

Okay, so this system supposedly scans hundreds of different cryptocurrency news sources every hour. Then a team of professional analysts make sense of all the news and predict what effect it will have on the prices of different cryptocurrencies.

Now in theory this should work. I actually know cryptocurrency traders that trade pretty much solely based on the news. The crypto market is very volatile and speculative. News has a major impact on price and if you get good at it this can be a very effective trading strategy.

However, they tell you nothing about how everything works. You are just supposed to believe that the software collects all this news and that the team of analysts process it… Although there is no proof of any of it being true. Anyone could tell a story like this, but with no proof or evidence to back up claims it means nothing.

#2 – No Background Information

Another major red flag is that it is no background information on the people behind the system. Who is running the show? Who is this team of analysts made up of?

We don’t know who anyone is. So once again, how are we supposed to validate the legitimacy of their claims. They claim to have a team of professional analysts working behind the scenes, but with no proof of this there is no way to know if it is true or not.

#3 – Its 100% Free

and of course this system is all supposedly being given to you 100% free. Never something’s claims to be 100% free like this you should always be cautious.

This makes absolutely no sense. How are they paying their team of analysts are working behind the scenes? Are we supposed to believe that they are doing this out of the kindness of their hearts?

How They Will Scam You

Okay, so how can this possibly be a scam… After all it is 100% free. Well I’m going to explain how they will scam you. I review systems like this all the time and they all work in a similar fashion. In fact I just reviewed 2 scams called Litecoin Trader and Bitcoin Millionaire Pro recently that do the same thing.

After you sign up, you are going to have to deposit a minimum of $250 to a broker that they refer you to. Now first of all there is absolutely no reason to use a broker when trading cryptocurrency. I day trade cryptocurrency as a hobby and I can tell you this for sure. It doesn’t matter where you live in the world or what your situation is… You do not need a broker for this and the fact that they try to refer you to want is a major red flag.

What is more than likely going to happen is you will deposit your minimum of $250 with the broker and you will never see that money again. This trading system might make you believe that you are actually making money. They might move numbers around in your account to make it look like your balance is increasing, but when you go to try to withdraw your money you will find that you cannot do this.

This major red flag is something I talked about in my post 10 Ways to Spot a Cryptocurrency Scam.

Conclusion on Bitcoin News Trader – Scam

I will be honest, I have not tried and tested out the system so I cannot tell you with 100% certainty that it is a scam. However, I have reviewed dozens and dozens of nearly identical scams out there so I can tell you with 99% certainty that it is one. All in all this seems to be your pretty typical cryptocurrency trading software scam. The system sounds great, I mean who wouldn’t want to make easy money online? It does all the work for you and the method of trading is one that I know works, but of course they offer absolutely no proof of anything being true or legitimate.

If you do want to test out this system and see if it works I’m not going to hold you back. The decision is what you wanted to be. It’s your money and you can do with it what you want. But I can tell you this… I sure as heck am not signing up for this.

If you did buy in and are going to try to get your money back then a service like MyChargeBack will help you do this. They provide help for people looking to get their money back from scams like this.

Also, before you leave be sure to check out this program for making money online. I use it and its something I actually recommend.

Leave any comments or questions below and I’ll get back to you soon ?

​Read More
Digital Experts Academy
High Ticket Programs

Is Digital Experts Academy a Scam Program? – 3rd Party Review

Digital Experts AcademyDigital Experts Academy is a program that you can supposedly achieve financial freedom with by creating your own online business. But what is this program really? Is there more than meets the eye? Is Digital Experts Academy a scam that you should be concerned about? Or is this the real deal?

In this review I’ll be giving you my take on what is going on here. There is more than meets the eye and this doesn’t necessarily mean good things. I am not affiliated with this program at all so I won’t be holding back in this review. There are some things I am very much against and I’ll be speaking my mind on them.

Digital Experts Academy Review

Digital Experts Academy is a high-ticket online business training program that was created by Stuart Ross and Jay Kubassek. In a nutshell, this program provides training, tools, mentorship, etc for those looking to make money online with their own business/website. There are several different levels of membership and as you will see they can get very expensive.

But before I get into all of this, one thing you should know is that Stuart and Jay aren’t just the creators of this. They also are the creators of a program called Six Figure Mentors, which I looked into in my The Laptop Entrepreneurs review. This is important to know because the 2 different programs are tied together as you will see in a minute.

Six Figure Mentors is the same type of deal. It is an online business training program that provides tools and training for making money online. They provide good training and good tools, but one complaint that I have as well as many others that have tried out this program is that they push members to promote their products. Similarly to MOBE, Legendary Marketer, and other online marketing training programs, they push members to make money by promoting their memberships. So what happens is many people buy in to make money online and then they end up making money online by getting others to buy in.

What Is DEA Really?

The way I see it DEA is like an add-on to the SFM program. Its like the high-ticket add-on. And by high ticket I mean really expensive.

When, or I should say “If”, you buy into DEA you will get a bunch of training that goes along with it. You will get training on Youtube marketing, SEO, FB advertising, branding, and a plethora of other important areas of online business. But are the memberships really worth the price?

The cost of the DEA memberships are as follows…

  • Silver – $2,500
  • Gold – $8,000
  • Platinum – $11,000
  • Black: -$20,000

Quite a hefty price tag wouldn’t you say? For what its worth, from what I can see from the outside the programs look like they are pretty good. It seems they provide a heck of a lot and definitely do have real value. But are they really worth these high prices?

The Problem I Find With These Types of Programs

In the world of digital products like these, it is very difficult to put a price on them. How much value do products like this really provide? I mean… I guess if you buy in and go on to make good money with what you were provided and taught then you could say that everything was worth a heck of a lot, but if you don’t then the opposite is true.

So how much is training, tools and mentorship really worth?

What I find happens often with programs of this nature is that they slap on extremely high ticket prices that are in my opinion inflated. They cost way more than the value that they provide. And there is a reason for this…. which is big commissions.

From what I see here it seems that SFM is following the path of MOBE and other high ticket programs. It is hard to say for sure, but the prices seem to be a very overvalued and judging from my experience in this industry and from what I know about other similar programs I am guessing this is mostly for the sake of earning big commissions.

You may have a different opinion than me on this and if you do this is something I would love to hear. I am not saying that DEA doesn’t provide a value doesn’t provide value. I’m just having a hard time seeing the value equaling the extremely hefty price tags that come with the different membership levels.

Conclusion on DEA – Good Opportunity or Not?

Okay, let me summarize everything that I’ve been saying here. The way I see it DEA (Digital Experts Academy) is an extension of SFM (Six Figure Mentors). SFM pushes members to go out and promote SFM to others in order to make money, and DEA is a high ticket extension onto this. With DEA members are able to sell these extremely high ticketed products and earn large commissions doing so.

Both DEA and SFM are the same type of programs. They both provide tools and training along with mentor ship for people looking to make money online. It suggested that DEA is the higher-priced and more advanced version, that members would likely get into after already having one of the advanced memberships of SFM.

My Opinion On Everything

Personally I am not a fan of programs that push members to promote the same darn program nor am I a fan of programs that sell extremely expensive products for what seems to be the purpose of earning money rather than providing value.

Now of course, like I said, I have not actually bought into DEA so I do not have first-hand experience with testing everything out. This review is based on what I know about SFM and what I have seen in the online marketing world having been involved since 2015.

You are welcome to DEA for yourself. I am not going to tell you to do this or tell you not to do this. The decision is up to you. However, I will not be buying into it personally.

Maybe I am wrong for writing this review without having tried out this program for myself, but there is no way in heck I am going to spend a minimum of $2500 just to test something out that I feel isn’t going to be worth it.

Anyways, hope you enjoyed my review and I hope you take something good away from. Before you go, if buying extremely expensive high ticket products is not for you then I would suggest checking out how I make a living online. I wrote this guide here where I go over what I do to make money online, how it all works, and what I consider the best way for beginners to get started is.

Please leave any questions and comments below and I will get back to you as soon as possible 🙂

​Read More
JustAnswer Jobs
Legit Money Making Opportunities

JustAnswer Jobs – Nice Way to Make Extra Money or Waste of Time?

JustAnswer JobsJustAnswer provides an expert help service where people from all of the world can go to ask questions about various topics and receive answers from people that are considered experts in the particular field. Whats nice about this is that many people out there can make money with it. You can get paid to provide your expert opinion on things. So whether you are a music shop owner or a mechanic, there is a chance you could make money providing professional help.

But since you are reading this I’m guessing you already knew that and are looking for more information on the jobs. Well… that is exactly what I’m going to be giving. I’ll be going over the nature of the job, how it works, applying, the job schedule, how much money you can make and more.

JustAnswer Jobs Review

In a nutshell JustAnswer is a platform that connects people asking questions with people who are experts in the area that the question falls into. Members of this site pay for being able to ask questions and get answers, and the JustAnswer experts answering the questions get paid to do so.

As I said above, there are all types of experts offering their opinions on this site… doctors, mechanics, lawyers, experts in antiques, geneology, and plenty others.

Whats nice about working for JustAnswer is that you get to work online, from home, and you get to choose when you work. You can work as little or as much as you want, which is why its a nice flexible way to earn a supplementary income and help people at the same time.

Applying for the Job

If you want to apply to be an expert on JustAnswer you will first have to choose what category you are an expert in. They have over 175 categories to choose from so there is a lot of opportunity here.

Next you will have to submit an application that is similar to a normal job application. You will have to upload your personal information, work history, education, your resume (optional but helpful), achievements, any certifications you have, qualifications, etc. They are very serious about getting people who are actually experts because they want to provide their members with the best help possible.

Exactly what you have to submit during the application will vary depending on what type of expert you are applying to be. They will tell you all that is needed when you actually go through the process.

How The Job Works

JustAnswer matches questions up with experts in the fields. So you will get questions available to you based on your particular area of expertise and you will be able to answer these questions when and however you want to. You do what you want to and work however much you want.

But be careful with your answers. Make sure they are good and what the person is looking for because after you submit the answer to the user they will be able to rate you…. and you only get paid if you get a good rating. So if they don’t like your answer then you could have just wasted a bunch of time doing research for nothing.

How Much Money Can You Make?

The amount of money you can make depends on many factors. JustAnswer claims that their top experts are making over $1,000 extra each month answering questions on this site, which sounds reasonable, but they don’t really give any proof of this.

Upon researching and looking around online I really couldn’t find all that many expert reviews that talk about the money they make. However, one thing that I can tell you is that this is definitely not something that you should expect to be able to do full-time. This is best looked at as a supplemental income opportunity.

Complaints

I always look for complaints from workers when I review work at home type jobs like this. Its important to do so I think. Of course I form my own opinion first but you can learn a lot from seeing what others that have been there already are saying. In JustAnswer’s case there really aren’t many reviews that I was able to find, as mentioned above, however there were some that I came across and I’ll be going over a couple notable complaints that you should be aware of.

#1 – Rating Problem

The user has the ability to rate you and, like I said, if they don’t like your answer they might give you a bad rating even if it was the truth. This is a very unfortunate side of the working as an expert and JustAnswer doesn’t really seem to do much to protect experts against unfair ratings like this.

Not all users respect the experts and sometimes the truth isn’t what they want to hear. If you get a bad rating this affects your pay.

#2 – Possible Lack or Work for Good Experts?

There was one interesting review I came across that from a guy that worked as an expert that claimed the higher rated experts receive less available questions to answer. He claims that JustAnswer diverts most of the questions to new experts with lower ratings because they have a better chance of getting a bad rating and not getting paid.

This doesn’t really make much sense to me because I don’t thing the user has to pay either if they don’t get a good answer, and in this case JustAnswer wouldn’t make any money from doing this… but I could be wrong here.

Others

Other than that there really aren’t many complaints from experts. It is worth knowing however that there are a heck of a lot of complaints from users claiming they were wrongfully charged for services they didn’t ask for. You can read through them on sites like BBB.org. I know this has nothing to do with the job but its worth thinking about since you are considering working for this company.

Conclusion on JustAnswer – Good Opportunity?

JustAnswer can be a good opportunity but ultimately it depends on what you are looking for. Don’t expect much. This is only good to make a small amount of supplemental income for most people. They claim their top experts make over $1,000 per month answering questions but give no details to how many people this includes, how much they work etc.

I would say go for it if you were considering it… but only of course if you are not in need of substantial supplemental income. You can work when you want, however much you want, and you get to feel good about helping people.

Something else you might want to take a look at is how I make money online. I also work when I want and however much I want because I work for myself. You can read my make money online guide here where I go over what I do, how it all works, and the best way for others to get started doing the same if you are interested.

Please leave any questions or comments below and I’ll get back to you soon 🙂

​Read More
is Rodan + Fields a pyramid scheme
MLM's

Is Rodan and Fields a Pyramid Scheme? – Read Before Joining

is Rodan + Fields a pyramid schemeSo I’m going to take a wild guess here… I’m guessing that you were asked to join Rodan and Fields by someone or maybe someone you know was asked to join. And because of this recruitment style of business you are now wondering is Rodan and Fields a pyramid scheme? Its a logical question to ask and in this review I’ll be answering it.

I’ll be breaking down the compensation plan and going over how you really make money. And by the way, I am not promoting this business nor am I affiliated with it in any way, so I’m not going to try to make it sound better than it really is.

Rodan and Fields Overview

Rodan and Fields is a mlm (multi-level marketing) company in the skincare niche. There products seem to be good but this is not the point of my review. Here I’m going over the business model.

As with any mlm, there are multiple levels of compensation and consultants are able to make money by recruiting other consultants into the business. This recruitment structure is why so many people are wondering whether or not its a pyramid scheme and this is exactly what I’m going to get into.

First you must know what a pyramid scheme is…

What Is a Pyramid Scheme?

A pyramid scheme, which are illegal in the US and many other places, are recruitment style businesses that are basically based on endless recruitment of new members. So for example you buy in, then you recruit others to buy in, then they recruit others to buy in and so on.

But determining what a pyramid scheme is or not is harder than it seems. Many pyramid schemes are what you call “product based pyramid schemes”, meaning they do sell real products. And the fine line comes with how many products are being sold. If a business relies on recruitment of new members more than product sales to the general public, than they are pyramid schemes. This is why you see some mlm opportunities implementing rules that 51% of your sales must be to retail customers, not recruits.

So whether a mlm opportunity like Rodan + Fields is in fact a pyramid scheme all comes down to the products they sell to the general public. Recruitment is legal. There are plenty of legit mlm’s out there and all of these rely on recruitment. But as long as they don’t rely on it too much they are good to go.

A Look at The Compensation Plan

The Rodan and Fields compensation plan provides 5 ways to make money. These include the following…

  1. Retail Profit – You can buy products at wholesale prices and sell them at retail, earning retail profit
  2. Consultant Commissions – Commissions made from selling to consultants (ex: The $45 business portfolio that is required to become a consultant)
  3. Personal Team Commissions – Commissions made from the sales your team (aka your downline) makes
  4. Generation Commissions – Commissions made from sales other teams in your downline make
  5. Performance Bonuses – Bonuses for achieving higher ranks

The only way you earn from selling products to the general public is with retail profits. Every other way to earn is based on recruitment. With consultant commissions you are making money from products bought and sold by consultants you recruited in. With personal team & generation commissions you are making money from the money your downline makes. And with performance bonuses you are making money by achieving higher ranks which can only be achieved with recruitment.

You will be able to make up to 15% on the people you personally recruit in and then 5% on the people that they recruit in. With the generation commissions you can earn down to 5 generations deep. Generations are like teams so you will basically be earning from teams that were developed in your downline.

Moving Up The Ranks

In order to make good money you have to move up the ranks. You will see why in a minute.

To do so you have to recruit in new consultants, make retail sales or purchase products yourself, and have enough preferred customers & consultants purchasing products beneath you.

If you really wanted to, you could literally move up the ranks by buying products yourself and recruiting in other consultants alone.

Pyramid Scheme?

They do have legitimate good products that consultants sell, they do rely on product sales for revenue, and they do encourage retail sales. However, I don’t see any safeguards in place to ensure that real retail sales to the general public make up most of the revenue. It seems to me that one could solely rely on recruitment and buying products themselves to move up the ranks and make good money. This is what I don’t like.

I’m sure there are many people out there that are making plenty of retail sales for Rodan and Fields and doing great things, but I would like Rodan and Fields to step up to the plate and ensure that consultants can’t just endlessly recruit new consultants to get by. But they don’t and for this reason I don’t really care for the compensation plan. It might not be a pyramid scheme but it is on the shady side.

The Downside to MLM’s That No One Ever Tells You

If you are getting recruited into a mlm opportunity all you are going to hear about is how great it is and how much money you can make. But you won’t hear the dark secret that is the downside to every mlm that exists… which is that they make it MORE difficult to make money.

Let me explain:

With a mlm commissions are flowing from the people on the bottom to the people on the top. So those at the bottom are having money taken away that they could potentially be making and this money is going to those above them. This makes it more difficult for those at the bottom to make money and is more rewarding for those higher up that have recruited many consultants beneath them and are reaping the benefits.

And of course, with the pyramid-like structure that mlm’s have there will always be many more people at the bottom struggling than at the top. This is how it works and how it will always work. They are very enticing because they have lots of potential to make good money but in reality they make things more difficult and that is why most people fail miserably with opportunities like this. MLM’s have extremely high turnover rates for a reason.

You can see this is the truth by looking at Rodan and Fields income disclosure statement here in which over 90% of consultants earned on average less than $1000 annually…

Conclusion on Rodan + Fields

The reality is simple. With mlm’s like this it is difficult to make money. Its the same deal for all of them… It Works, Herbalife, Youngevity, etc. If you are good at recruiting then you might be one of the few that make very good money with it but this is easier said than done.

Join if you want to but this pyramid-like payment plan is exactly why I stay away from mlm’s.

Please leave any comments or questions below and I’ll get back to you soon. Also be sure to check out how I make a living online if you are interested in working from home.

​Read More
ScamXposer
Uncategorized

Is ScamXposer a Scam Itself? – My Take On It

ScamXposerScamXposer claims to be a website that reviews make money online programs and exposes scams, but does it really do what it says? Or is ScamXposer a scam itself?

Since you are reading this review I’m guessing you have your suspicions of this website. You are wondering if the information they provide is legitimate or if it is provided all for the sake of making money on their end. In this short review I’m going to be getting over my opinion of the site and some problems I see with it. Is it a scam? I’ll jump straight to the point and tell you that there is shady activity.

ScamXposer…. What Is It?

As I said, ScamXposer is a website that exposes scams. It is the creation of David Harris and is basically a blog type website where he reviews different make money online opportunities. So pretty much, he will review a particular opportunity, talk about what he likes and dislikes about it, and then gave his final opinion where he either promotes the product/program or doesn’t recommend it.

Since he is making money promoting the products that he reviews this brings up the question of whether or not they are legitimate truthful reviews or if he is just writing them to make money. Providing misleading and false information all for the sake of getting people to buy into something to earn commissions is a big problem in the online marketing world. However, there are lots of truthful websites out there that will provide honest reviews of products/programs.

I actually do this myself. If you have read my guide on making money online, you know that I make a living promoting products online earning commissions. Sure, it is easier to make money when you lie and promote every single product there is, but just because this is possible doesn’t mean that everyone out there is doing it. You can make money doing this and still provide legitimate and truthful information.

So Is ScamXposer a Scam?

My problem with ScamXposer is that it does promote programs that I personally would call scams. The mindset behind the creator of this website is also something that I can’t really understand. I have read many reviews on this website and I am still surprised at times. Some programs that I would expect this place to label as scams it calls legit and vice versa. For example, there might be two nearly identical programs out there and this place calls one of them legitimate and the other a scam.

But anyways, I’m not going to get into that here. Instead what I want to do is go over a few of ScamXposer’s top recommendations and my opinion of them, which isn’t good.

#1 – My 10K Model

Above you can see ScamXposer’s top recommendations, where My 10K Model is listed as number 1.

Basically My 10K Model is a sales funnel for a program called Easy 1 Up, which is one of those programs that people buy into to make money online and then they try to make money online by selling it to other people.

Its all a big cycle. You buy in, you are provided with training and tools to promote it, and you then get others to buy in. There are 5 different levels of membership going up to $1,000 in price and they are all focused on getting members to promote the system.

My 10K Model was created by Michael Mansell and is just a big promotion of Easy 1 Up. If you buy in Michael and his team help you get your Easy 1 Up business started and provide you with additional training but the core of what is going on here remains the same… which is getting others to buy into Easy 1 Up so that you can make money.

I am not a fan of recruitment schemes like this. Sure, there is some value provided in this program, but the sole focus here is to make money by promoting the same make money online opportunity to other people.

#2 – Wealthy Affiliate

Based on Scam Xposer’s number one pick I wouldn’t expect them to rank Wealthy Affiliate as their number two pick. Why? Well because Wealthy Affiliate is very different from that above.

Wealthy Affiliate is actually my number one recommended program for newbies looking to make money online. This is where I got started back in 2015 and I now make a living working online for myself, which goes to show that it actually works.

The big difference between the two is that Wealthy Affiliate does not push its members to promote their program. While you can make money promoting Wealthy Affiliate, many members make money promoting products in their own nieces, which is something that Wealthy Affiliate provides training on.

Pretty much My 10K Business Model is everything that Wealthy Affiliate is doing its best to avoid being.

You can read my Wealthy Affiliate review here if you are interested in learning more about this recommendation of mine.

Things Just Don’t Make Sense To Me

ScamXposer’s five recommended Internet businesses list just doesn’t make any sense to me. As I just explained, their number one and two picks are extremely different. They are like polar opposites of each other in the Internet marketing world.

But anyways, let’s take a look at another one of their top five picks. Let’s take a look at survey junkie which is their number fourth pick.

Survey junkie does not belong in this lineup and it makes no sense to put in with the other recommendations. All the other recommendations are ways to potentially make a living working online, or at the very least good money. Survey junkie on the other hand is a paid survey website where you literally are going to be earning pocket change with.

Yet, in their review of survey junkie they do not tell you this. The review post that was written tells you all the good stuff about this survey site and none of the bad. Overall the review comes off overly “salesy”. It seems that they are really pushing readers to sign up for this site. They tell you about the potential to make $50-$100 if you get to sit in a focus group, but what they don’t tell you is that the chances of you actually being able to participate in one of these is extremely rare.

Overall survey junkie is pretty much your typical paid survey website. You will not make much money with this and the review on ScamXposer is very misleading in my opinion.

Conclusion on ScamXposer

From what I see it seems that ScamXposer is somewhat of a scam. But I guess this really depends on what your definition of a scam is. ScamXposer does provide good information but they also provide misleading and poor information which seems to be due to the underlying focus of making money online by promoting these different programs/products.

It seems that ScamXposer is pretty much a hit or miss. I agree with some of the reviews, like Wealthy Affiliate which I do recommend, while others I disagree with. Some provide good information while others provide poor and misleading information. All in all I do not trust this website because of what I just said, which is that the main focus seems to be on making money rather than providing truth.

We are all allowed to form our own opinions on this and this is my own. If you disagree with what I am saying here then I welcome your argument in the comments section below. Also feel free to ask any questions below and I will get back to you soon 🙂

​Read More
is BeFrugal.com legit
Cashback Programs

Is BeFrugal.com Legit or Is It Not Worth Your Time? – [Review]

is BeFrugal.com legitBeFrugal.com is a cashback/coupon site where you can save some decent money shopping as you normally would. But is it worth your time? Is BeFrugal.com legit even? Or is this a scam type site that is going to make you think you are earning cashback but then never allow you to ever actually get your hands on it?

I’ll just straight to the point and tell you that yes, BeFrugal.com is legit. They are one of the better cashback sites out there and in this review I’ll be going over how it all works, what they offer, how good they are compared to other cashback/coupon sites, complaints and more.

BeFrugal.com Review

BeFrugal.com is one of the bigger cashback and coupon sites that exist. They have been around for a decent amount of time which is one of the reasons for this but another reason is because they are good. They are partnered with over 5,000 retailers and have loads of deals. On top of this their deals are on the higher side when it comes to savings.

I have reviewed many different cashback/coupon programs including Ibotta, Drop Rewards, Fetch Rewards, Coupons.com, TopCashBack, etc and BeFrugal is definitely on the better side.

However, like anything there are complmaints which I will be going over later.

How It All Works

Cashback

They have plenty of cashback deals. With over 5,000 retailers there isn’t a place you shouldn’t be able to find here. They even have cashback offerings for places like Amazon, which for some reason you don’t see too often on cashback sites.

When you want to shop cashback you can browse stores based on what category they fall into, you can search for specific stores, or you can just browse through the massive list of thousands of stores.

When you find a place you want to shop you can just click on it and it will take you to a page that shows all the available coupons down the center and a bit Shop Now button for cashback shopping over on the right…

When you click to shop now with cashback you will be directed to their online store and you can do your normal shopping. There is no need to go back and do anything at BeFrugal. Your account will automatically be credited with the cashback.

Coupons

There are both online coupons and printable coupons that you can use in stores/restaurants offered which is nice.

Based on what I’ve seen the coupons are pretty good. If you are fast food eater then you can definitely save some money here. Most of the restaurants with deals are fast food places although you will see some others, like for example right now as I’m writing this they are also offering a deal at Olive Garden…

This place is definitely one of the better online coupon/cash back sites I’ve been on when it comes to printable coupons. They have tons of deals at any given time and this is something you don’t see too much. Usually sites like this offer more online coupons and lack in the printable coupon area.

As you can see, there are 4,183 printable grocery coupons alone, 225 of these coupons fall into the “Babies and Kids” section…

For online coupons you just click to shop now, you are directed to the online store, and you do your shopping as normal, just as you do with cashback.

Stack and Save

You are able to stack all the cashback and coupon deals together. So its not like you have to choose one or the other. However, this only works for online shopping. You can’t get cashback when using printable in-store coupons.

How Good Are BeFrugal’s Deals Really?

It can be hard to compare the different coupon deals to other savings sites like this because coupons vary so much. However, I will say that BeFrugal is without at doubt at least one of the best when it comes to coupons. There are a lot of offers with both the online and in-store coupons.

Now cashback on the other hand is easier to compare. And from what I see BeFrugal’s cashback offerings are very good. I compare to other cashback sites by looking at the amount of cashback offered at the bigger stores. It might change but right now they are offering 5% cashback at Walmart. If you are familiar with other cashback sites then you know this is a darn good deal.

Generally for most cashback sites I would say a 1-3% cashback offer is pretty typical for the major retail stores like Walmart, Target, Best Buy, etc. Here its more like 2-5%.

They tell you that they actually do have the highest cashback around and have a “Guaranteed Highest Cash Back Rate” policy in place which states that if you find a better cashback deal they will match it and give you an additional 25%.

I’m not sure how true this actually is because I’ve never presented another cashback deal to them that was better, but by looking at what they offer its going to be difficult to find one.

Getting Paid

So whenever you use coupons of course you save your money on the purchase but with cashback you actually pay the normal price and then get cash back later. This cash is first deposited into your BeFrugal account and then later you can cash it out via a check, PayPal, direct deposit, or choose to get an Amazon gift card.

You can’t really ask for more here. Its a lot better than some cashback sites that only offer gift cards.

Complaints

Overall they have very good ratings from users. For example, on SiteJabber, where anyone can go to review a site and usually this means complain, they actually have a 4/5 star rating with over 300 reviews. Anyone familiar with this site knows that is a pretty solid rating because usually this is where people come to tear sites apart.BeFrugal Reviews SiteJabber

There are other sites out there too that allow user to review like this. Still… overall the view is pretty good. However, there are some complaints.

Some of the more common complaints include…

Slow Cash Back

The speed at which your account is credited with cashback will depend on where you shopped. Some stores will credit you very fast whereas others can take up to a week, and in rare cases longer.

This is one complaint you will find online from people who are impatient. Its really not too big of a deal though.

Missing Cash Back

Now this one is a problem and unfortunately it does happen. There are times when people do not receive the cashback they deserve and complaint about it, which they should.

This is a complaint you will find with any cashback program. Sometimes the “cookies” that track your purchases get messed up and do not track the purchase as they should, which leads to you not getting cash back. This is rare but it does happen. One way you can help to avoid this is by shopping as soon as you are directed to the store from BeFrugal.com. If you wait a long time or close the window and go back it might not work.

Fortunately BeFrugal does work with people on this and if you provide them with proof of your purchase they might be able to credit you manually.

Conclusion on BeFrugal – Good Site for Savings?

BeFrugal is definitely one of the better cashback sites out there and if you are looking to save a bit of money using coupons and getting cashback this is a place I would give a shot to see how you like it.

If you are going to sign up you can use my referral link to get $10 in free cashback in your account. It will also help me out as I will get a $10 bonus as well.

Referral Link: BeFrugal.com/join

If you are looking for an app that you can easily use on your phone for cashback then Ibotta or DOSH would be my choices. These make things convenient because they are right on your phone but they don’t offer the number of deals that BeFrugal does.

As always, leave any comments and questions below and I’ll get back to you soon 🙂

​Read More