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Is American Income Life a Pyramid Scheme? – What You Should Know

American Income Life is a life insurance provider that anyone can join and make money with. Their business model puts a lot of focus on recruitment of new agents and because of this I have seen people ask if they are a scam or even is American Income Life a pyramid scheme or not?

In this review I’m going to be explaining how American Income Life works and whether or not they really are a pyramid scheme. I am not affiliated with this company at all so I’m not going to be making things seem better than they are. I’ll be giving you the truth of the matter.

American Income Life Review

American Income Life is a life insurance provider but I’m not here to talk about how good their insurance is. I’ll save that review for another day. Instead I’ll be talking about the business side of things… in particular the part that has to do with all the AIL agents running around recruiting in new agents.

You see AIL is a mlm company, which means that their compensation plan is organized in a pyramid-like structure where members can get paid from the work of members beneath them. That is why you see people going around recruiting in new agents, because they make money off of them, and the agents that they recruit in and so on.

I have read about some pretty shady practices going on when it comes to recruiting in new members. Of course I haven’t actually had any experience with this, but apparently there are some agents out there that set up fake job interviews for new agents just to recruit them in. This is a shady and very unnecessary process since in reality anyone can join as an agent…. you don’t get “hired”. This is just a ploy for the interviewer, who is an agent themselves, to recruit in new agents.

A Look at How You Make Money

Unfortunately there is almost no information on the compensation plan in place. I know it is a mlm company and I know that you can make money off of recruitment but I was looking for more info. I’m interested in knowing how many levels this pyramid-like mlm structure has, how many ranks it has if any, what types of bonuses they pay, etc. But I couldn’t really find anything which is somewhat strange.

But anyways… I’ll give you a basic overview of how a mlm like this works: MLM stands for multi level marketing and this means there are multiple levels in the compensation structure. As an agent of the company you are able to make money by selling the life insurance to customers or you can also make money by recruiting in new agents and earning commissions off of the money that they make. Then depending on how many levels there are, you can also earn commissions from their recruits, and the recruits of those recruits and so on.

Pyramid Scheme?

I know it sure sounds like a pyramid scheme, after all… it has a pyramid structure and everything. But in the eyes of the law it isn’t a pyramid scheme and I’ll tell you why.

The reason is because the money is all coming from selling life insurance to real customers. Yes… you can make money from your recruits, their recruits and so on, but the commissions you will make come from them selling life insurance. So somewhere down the line the money is always coming from product sales.

Now if agents were forced to purchase products and you could earn money from this then it would be a different story. But its not like that so this is in fact legitimate when it comes to legality.

However…. here is something that you don’t get told about mlm opportunities like this…

The Reality That Comes With The MLM Structure

MLM structures like this may be very appealing to some because you can go out, recruit a bunch of other agents, and then make a ton more money than if you were just making money off of only your sales right? This is true, but what every opportunity like this out there isn’t going to tell you is that they are much more difficult to make money with when you are starting out.

With a mlm compensation plan like this the money is flowing up the pyramid and into the pockets of those above you. This means that money you could be making is being taken away and paid to your upline in the form of commissions, which is good for your upline but bad news for you. And of course with a pyramid-like structure there are always going to be many more people at the bottom having money sucked away from their earnings than at the top, where the rewards of the mlm structure are reaped.

This goes for any mlm out there… It Works, Herbalife, Youngevity, etc.

This is what they don’t tell you. Sure there is a lot of potential to make a lot of money… but mlm’s like this have extremely high turnover rates for a reason. And that reason is because they make it more difficult to make money for the majority of the people.

Conclusion on American Income Life – Good Opportunity of Not?

Whether or not a mlm opportunity like American Income Life is right for you really depends on what you are like. For most people, I would say that this isn’t a great job, but then you have those people with great communication skills that can easily recruit others in. You are going to need to recruit if you want to take full advantage of the compensation plan so if you don’t think you can do this then its probably not a great opportunity for you. If you do think you have what it takes then go for it.

Personally I’m not going to get involved. I would be horrible with mlm’s like this which is why I avoid them. It takes a certain type of person to really excel with these types of jobs.

Something else that you might want to look into if you are looking for a work-from-home job is how I make money online. I make a living online and I enjoy what I do. Here is a guide I wrote on what I do, how it all works, and how others can get started if they are interested.

Questions, comments, concerns? Leave them below in the comment section and I’ll get back to you soon ?

High Ticket Programs, Training

Is MOBE a Ponzi Scheme? – What You Should Know

If you are looking to buy into MOBE you may be hesitant to do so due to the recruitment aspect of the business. Many MOBE members go out and recruit others in as much as possible and this raises the question of it being a possible Ponzi scheme. Is MOBE a ponzi scheme? Is it a legitimate mlm? Is it any of the above?

In this short review I’ll be going over the payment structure that MOBE has in place and how things work. And by the way, I am not a MOBE member so I’m not going to be trying to make it sound better than it is.

What Exactly is a Ponzi Scheme?

Before getting into the meat of this review, its first important to know what a ponzi scheme actually is. In a nutshell, a ponzi scheme is “a form of fraud in which belief in the success of a nonexistent enterprise is fostered by the payment of quick returns to the first investors from money invested by later investors”.

Its basically a big flow of money with no value being provided. The only way they stay afloat is by bringing in new investors who’s money goes to paying off the older investors, all the while everyone is thinking that they are actually making money legitimately.

A Look at MOBE’s Compensation Plan

MOBE has what they call a 2-tier affiliate program and how it works is like this: As an affiliate, when you go out and sell MOBE products to other people you will earn a commission on those personal sales. On top of this you will also earn commissions from the sales that those recruits make…. that is it.

There aren’t 10 different levels with money flowing up a massive pyramid-like structure. The comp plan is very simple and small. I suppose you could consider it a mlm because there are multiple levels, but even this doesn’t really seem to fit. You are only making money from what you do and what the people you recruit do.

Ponzi Scheme?

MOBE at its core is not a ponzi scheme. However, I feel that in a way, the affiliates who go out and really mislead and sucker people to buying in make it seem like a ponzi scheme. Let me explain…

Ok, so as you may know. MOBE is well known for having affiliates go around and promote all sorts of crazy get rich quick ideas that funnel people into buying MOBE. I review MOBE funnel sites all the time that are way off-based and extremely misleading.

In fact I just reviewed this funnel site called Get Money Relief where MOBE was being promoted as some sort of “personal stimulus package” where you could make money from some economic government aid loophole, which is so far from the truth it is comical. And there are plenty more where this came from, including Optimize Success Portal & My Hidden Pages. Its every week that I see a new very misleading promotion going on for MOBE.

So what happens when people buy into MOBE from these misleading promotions? They are buying into an idea that doesn’t exist. They buy in and then find out that it is nothing as they were told beforehand. They are buying into a “nonexistent enterprise” which is part of the definition of a pyramid scheme. I mean they are still buying into MOBE, which is real, but what they thought they were buying into does not exist.

HOWEVER…

MOBE is still not a ponzi scheme because once you do buy in you realize what it really is. You might be extremely disappointed depending on how much you were mislead with the promotions but you do find out what it really is, which is a digital marketing training/tools platform.

And in order to make money with MOBE you can either apply the tools and training to another online business or promote MOBE.

You are not making money from the belief in a nonexistent enterprise at this point so quite simply… it is not a ponzi scheme.

The Problem With MOBE

The problem with MOBE is its rogue affiliates that go out and promote this program in very misleading ways. Its a serious problem and leads to many people being victimized and buying in without knowing what they are buying into. MOBE could crack down on its affiliates but this has been going on for years and honestly I would say its as bad as its ever been right now. So I don’t see it changing.

I also would like to see MOBE back off some from pushing members to promote MOBE. Its true that members can apply the tools and training to any online business but members are also pushed to promote MOBE more than anything else. The main introductory product to MOBE, which is their 21 step program, pushes people to promote MOBE right off the bat. This is something I don’t like to see.

The Cost… People Are Forced to Pay Large Amounts of Money

If you buy into MOBE knowing the truth of the matter then there is no problem here because you know what you are getting into. However, these people that are getting suckered in by rogue affiliates that promote it in a very misleading way find out the hard way.

When you buy into MOBE, and if you decide to try to make money promoting MOBE, which you will be pushed to do, you are going to have to buy into the more expensive upsells.

Most people buy into MOBE with the $97 introductory course that consists of the 21 steps but the core products are much more expensive. The reason you have to buy them is because not only will they provide more training and tools, but most importantly they will provide you with a way to make more money. With MOBE you can only sell the products that you personally buy. So if you want to make money selling their way OVERVALUED high ticket products you will first have to buy them.

Conclusion on MOBE

Based on the definition of a ponzi scheme MOBE is not one of them. However, I can see why people are asking if it is. When you go out and see people misleading and suckering others to buy in, then you see that members are pushed to promote MOBE and are forced to buy into the upsells if they want any chance of making good money, then yes it is logical to at least think MOBE could possibly be a pyramid scheme.

In closing: MOBE isn’t a pyramid scheme. They do provide good training/tools. They push members to promote MOBE. Many MOBE members promote the opportunity as a misleading get rich quick scheme. You will have to pay a lot of money to make a lot of money if you sell MOBE.

If you are looking for a much more affordable program for making money online my recommendation is Wealthy Affiliate. You can read my review of this program here.

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

High Ticket Programs, Training

Is Matt Lloyd and MOBE a Scam? – My Take On It

MOBE is a digital marketing program created by Matt Lloyd that receives quite a lot of negative attention on the internet. But is this negative attention unjust or does this program deserve what is said about it? Is Matt Lloyd and MOBE as scam altogether?

In this review I’ll be taking a level-headed approach and going over what MOBE is exactly, why so many people call it a scam, the reality of the situation, common complaints and more.

What Is MOBE Exactly?

MOBE, which stands for My Online Business Empire, is a digital marketing program that provides both the training and the tools necessary for online marketing and making money online.

They provide pretty much everything you need for online marketing and from what I have seen it is all top-notch you could say. I have seen some MOBE members become very successful with making money online.

Why All The Negative Attention?

There is more than one reason for the negative attention that you may or may not have seen online. Some of the reasons for this include the following…

#1 – They Push You to Promote MOBE

Many people buying into MOBE may not know exactly what they are getting themselves into. They might be surprised to find that the main introductory 21 step MTTB course pushes members to make money promoting MOBE itself. So pretty much you buy in to make money online and then you end up making money online by getting other people to buy in.

I will tell you that it is possible to apply the training and tools that MOBE provides you with to any online business however. How many people actually do this? I don’t think we will ever know. But I can say that I think the large majority of people that buy into MOBE end up trying to promote MOBE to other people because of how the whole system is designed.

So you can see why this would make people upset with MOBE. Many people feel as if they are just a disposable tool used to promote the brand and make the company rich.

#2 – It Gets VERY Expensive

This is something else that not many people know when they originally buy into MOBE… which is that you will have to pay large amounts of money to be able to make money.

MOBE uses what is called a “licensing rights” business model which means that if you want to sell MOBE products and make money doing so you are first going to have to buy them.

How much does MOBE cost ask? Well they have many different products. They have their introductory products, like the 21 step MTTB program that sells for $97 or the $49 product and these are basically a way to get people’s feet in the door, and then you have their core products where the real money is made. The core products range in price from $2,497 all the way up to $29,997 as you can see here…

These core products are extremely expensive but this is what makes MOBE so luring for newcomers. Because by selling these high ticket products you can make huge commissions.

Do the products actually deserve their price tags? Products like this can be hard to put a price on but I would personally say that they have massively inflated prices all for the sake of being able to make big commissions. This is at least how it seems to me.

But anyways… the bottom line is that if you want to make good money promoting MOBE, which you will be pushed to do, then you will have to buy into the expensive core products of the program. They will provide more tools, training, help, but possibly more than anything the ability to make bigger commissions.

There are lots of other programs that do this out there too. Legendary Marketer, TCP Lifestyle System, and Jeff’s 6 Figure Business System just to name a few.

#3 – Misleading Promotions

MOBE has a serious problem with what I call “rogue affiliates”. These are MOBE affiliates who promote MOBE in a very misleading and unethical way all for the sake of making money. Instead of legitimately getting people to buy into MOBE by providing truthful information they often misrepresent the opportunity and promote it as a “get rich quick scheme”.

I review MOBE promotion sites all the time and see everything.

Most sites will just make MOBE sound better than it is by talking all about the automated massive commissions you can earn with this system but don’t discuss the work that is involved or the massive amounts of money you first have to spend to make that kind of money. Some sites that I’m talking about here include My Hidden Pages, Home Based Wealth System, Amazing Shortcut and others.

Then on the even worse side of things you have sites that totally misrepresent the opportunity and pretty much completely scam people. For example I reviewed a program recently called “Get Money Relief“, which was really just a funnel site set up to get people to buy into MOBE. This site promotes MOBE as a “personal stimulus package” and claims that this amazing program exploits some loophole in the new US economic stimulus package, which is a ridiculous claim that is completely untrue.

As you can imagine, if you were to buy into MOBE thinking it is some fairy tale system that is going to be dumping tons of money into your bank account on autopilot then you are going to be extremely disappointed.

Some Common Complaints

Most of the complaints that I find online have to do with being mislead into buying in thinking it was going to be some easy process to make money as well as having problems getting refunds of their money.

There are a lot of people that seem to be asking for refunds and understandably so. The problem here is that they make it much more difficult than it should be and you have to jump through hoops to get your money back.

On the BBB website there are plenty of complaints about this which I took several screenshots of here…

Also if you go to Ripoff Report you can find loads of complaints about refunds as well as the program just being a scam in general… I took an overview screenshot below but if you want to actually read the individual complaints you can go to Ripoff Report to do so.

So Is MOBE a Scam? What Is My Take On It?

The answer to this question depends on what you consider a scam. There is no doubt that MOBE pushes members to promote their products and there is no doubt that they push people into upsells that they didn’t know about from the start, which is pretty unethical in my view.

They could be more straightforward and let people know the reality of the business but they fail to do this and treat members as if they are nonhuman. I don’t like this and I don’t agree with what is going on here. But hey… this is all just my opinion and who am I to say whether or not its a scam. Matt Lloyd himself claims it isn’t a scam so its not to him.

Do you think its a scam? Its definitely a well crafted money making scheme that is for sure… but does this make it a scam? I would love to hear everyone’s thoughts on this in the comment section below.

And by the way, if you are looking for a program that is 100x more affordable and doesn’t push you into promoting their products then I recommend Wealthy Affiliate. This is the online business program I use to make money online. You can read my review of Wealthy Affiliate here.

MLM's

Is Amway a Ponzi Scheme? – What You Should Know

Amway has a direct sales recruitment styled business model where independent business owners (or IBO’s) can make money by recruiting other IBO’s into the business. Because of all the recruitment that goes on, I have been seeing people asking is Amway a Ponzi scheme? And if this is what I want to address in this short post.

I will be going over the compensation plan that Amway has in place and will try to explain it as best as possible to make it as easy to understand as possible. I am not affiliated with Amway in any way so I am not going to be making this business seem better than it really is. I will be going over the truth of the matter.

Amway Business Opportunity Review

Amway was founded way back in 1959 and operates in over 100 countries. It is one of the biggest direct selling companies that I know of it. I’m not going to get into all the products and everything, I will save that review for another day, but if you don’t already know Amway has many products in the beauty, nutrition, and home products categories.

The point of this review of course is in the business opportunity that Amway offers. Amway does not sell products and stores, rather they have massive teams of direct sellers running around all over the world selling their products for them. In addition to this they also use a MLM compensation structure which means that IBO’s can recruit in other IBO’s and make money off of what they do. This is the part of the business model that is so alluring. Because you can recruit in other IBO’s to join beneath you and earn money from their work.

The MLM part of Amway is what has so many people questioning its legitimacy and asking whether or not this is just a Ponzi scheme

A Look at The Compensation Plan

When I first started looking into the Amway compensation plan it seemed to very confusing, like many MLM compensation plans are. But it is actually very simple and non-complicated. I think I was just expecting it to be complicated so it seemed as if it was at first. But anyway, here is how it works… Here is how IBO’s make money with Amway.

There are three basic ways to make money with family, making retail sales, signing up preferred customers, and recruiting in new Amway IBO’s beneath you.

Retail sales

When you become in Amway IBO you will be able to buy products at a discounted price. What you can then do is turn around and sell those products at a higher retail price. You will keep the difference between the two prices.

Signing up preferred customers

You will also be able to sign up customers that choose to purchase Amway products on a recurring monthly basis, which are called preferred customers. You will make commissions from their purchases on the recurring basis that they purchase.

Recruitment

And of course the “Ponzi scheme” part of it all… The part where you can recruit in other Amway IBO’s and make money off of what they do. I will get into it more in a second, but basically the point of recruiting in other IBO’s beneath you is to earn more points and to have higher group volume numbers, which you will earn commissions off of.

Its All About Points & Group Volume

For each Amway product that you purchase for retail reselling you will earn PV, which stands for point value. You will also learn PV from the products that your preferred customers by. And… You will also earn PV from the products that the IBOs in your downline buy for resell.

The more points you earn the higher commissions you earn. This is called a stairstep breakaway compensation plan. Here is a table that shows the amount of points earned on a monthly basis and the corresponding commission percentage, or what they call performance bonus.

The commissions that you earn will come from for group volume, which is the volume of products sold from you and your downline. So pretty much the compensation plan is all about getting more points and more group volume. And of course the more group volume that you get the more points you get, so you can see that it really favors recruitment of other IBO’s.

Ponzi Scheme?

Amway is not a Ponzi scheme because it is not some made-up enterprise that claims to be making money in a way that it really is not. Amway does sell real products and this is how they make their money. Yes, recruitment is a big part of the business but this does not make it a Ponzi scheme.

Amway more closely resembles a product based pyramid scheme, which are pyramid schemes that sell legitimate products as a cover-up for their real purpose. I’m not saying that Amway is one of these, I am just saying that it more closely resembles one.

I don’t in fact think that Amway is a pyramid scheme nor a Ponzi scheme because it has been around for so long and continues to operate legally. There is no way that a massive company like this would be able to fly underneath the radar for so long and not get caught.

It is also worth mentioning that there is no cost to join Amway and there is no minimum purchase requirement.

HOWEVER… This does not make it a great opportunity that you should jump on.

The Reality of the Amway Business…

When you look into MLM opportunities like this they always seem so amazing. It is very luring to think about all the money that you can make by recruiting in other IBO’s and earning money off of what they do. However, what none of these MLM opportunities tell you is that they are harder to make money with. Let me explain.

With MLM’s like this commissions flow from the bottom of the pyramid to the top. The amount of money you make is largely dependent on how big your downline is. And with a pyramid -like structure such as this there are always going to be many more people at the bottom with little to no downline, then at the top receiving tons of commissions from the work of their group. These people at the bottom will have money being taken away from them and paid to their up-line… Which makes it harder for them.

I review mlm opportunities all the time and it is always the same story when it comes to this. There is a long list… Herbalife, It Works, Shakelee, Youngevity, and many money… and they always have a very uneven income distribution with very few making the majority of the money.

So while there is a lot of potential to make tons of money on opportunities like this, they are much more difficult than they seem and their structure pretty much ensures that most people are going to struggle and fail, which is why MLM’s like this have such high turnover rates.

Conclusion on Amway – Good Opportunity or Not?

Not a Ponzi scheme or a pyramid scheme… but is it worth joining?

MLM’s like Amway are good opportunities for some people but I would say they are not for the majority of people. It takes a certain type of person to be good with a business model like this at relies so much on recruitment. The bottom line is that if you want to make good money with this you’re going to have to recruit and if you do not think you would be good at recruiting, then this might not be a good fit for you.

Personally I avoid MLM’s for this very reason. I wouldn’t be any good at recruiting so they just would not be worth it for me. But the decision is up to you if you want to join.

Questions, comments, concerns? Leave them below in the comment section and I’ll get back to you soon ?

Cryptocurrency, Investing

The $20 Bitcoin Blueprint…Scam? – [Review That Isn’t Promoting It]

The “$20 Bitcoin Blueprint”, aka the “Secret Bitcoin Blueprint” claims to be able to make you rich in the cryptocurrency market. There is a lot of hype surrounding this product and it is being advertised all over the Internet, I actually came across it after clicking on some ridiculous add that I was curious what it would be to.

Anyway, since you are reading this I’m guessing that you listened to some ridiculous sales pitch about why you need to buy into this and are suspicious of whether or not it is legitimate. Is $20 Bitcoin Blueprint a scam? Is it legit? Will it make you rich? Or is this just going to be a waste of your time and money?

The $20 Bitcoin Blueprint Review

Before I get into reviewing the actual $20 Bitcoin Blueprint product I first want to go over the ridiculous sales pitch that I had to listen to. I am sure there are all sorts of different sales pitches out there for this product, but the one I listen to was a video presentation which I took a screenshot of here…

In this sales pitch the guy kept referring to some “secret bitcoin blueprint”, “secret $20 bitcoin blueprint”, and a few other similar names but as you probably already know this was all just a sales funnel to get people to buy into another product.

As you can see right off the bat they tell you that you can somehow earn a $20 bill into a “massive fortune”. The spokesperson claims that he is going to show you how to use the “red-hot cryptocurrency market to potentially amass a quick fortune”… which makes me think of the Altucher Report product that is being promoted all around.

Anyway… the whole sales pitch hinges on the idea that Amazon.com, the world’s largest retailer, “could” start to accept cryptocurrencies as early as April 27. This is very misleading and not backed up by any evidence. I am active in the cryptocurrency market and keep up-to-date on things, so I have heard talk about Amazon possibly getting involved in more ways than one, but there is no proof that anything special is going to happen on April 27 as the spokesman says.

If something were to happen, I agree with him, the prices of many different cryptocurrencies would increase. There is no doubt about that. If the public sees the biggest retailer in the world hop on board and many are sure to follow, which will drive the price up.

But how do you get in on this “red-hot cryptocurrency market opportunity”?

Well of course all you have to do is follow this blueprint that the spokesman is going to give you which you will be able to get so rich off of that you will have the ability to retire in less than a year… Which is what he tells you. And of course you don’t need to know anything or have any experience. He makes it sound so easy that a caveman can do it.

Later in the ridiculous sales pitch he gives a bunch of really bad examples of cryptocurrencies exploding in price. He gives over all sorts of examples of massive increases in prices and talks about how you could have become rich had you invested.

At the peak of the sales pitch he plays out a scenario of how you could have turned $20 into $1.64 million in just two days. But the example is absolutely horrible but most people watching this probably aren’t aware of it.

Very Misleading & Horrible Salespitch

The example was this: First you could have invested in a little-known cryptocurrency called AMIS that was trading at $1.54 when the “markets opened up on Monday” and rose in price to $458.82 by the end of the day. Then he goes on to talk about how you could have invested that profit in another cryptocurrency, followed by another cryptocurrency to end up with $1.64 million in just three days.

The problem with this example is that AMIS was an awful cryptocurrency that has already died off. It was never any good and never became much. It did skyrocket in price at one point, but that was followed by a decrease in price just as fast. If you would have AMIS today it was worthless. So for one, that is a horrible example, and two, I question if this spokesperson has any idea what he is even talking about. As I mentioned above he talks about the markets opening up on Monday as if they were the stock markets. Anyone who has a little bit of knowledge about the cryptocurrency market knows that it is always open, 24/7. It does not open and close. This is how it is a worldwide and how it has always been.

Something else that the guy kept talking about which was very misleading was these “penny cryptocurrencies”. He acts like they are so great because they are so cheap, but the price of one unit of a certain type of cryptocurrency does not mean anything without looking at the total supply. For example bitcoin’s total supply is 21 million. If you had to cryptocurrencies, both of them priced at $0.50, but the one had a supply of 10 million and the other had a supply of 10 billion, the one with the lesser supply would have much more potential to increase in price because the amount of coins would be more scarce.

I’ve Seen Sales Pitches Like This Before

I have seen sales pitches like this plenty of times before and I can take a good guess at what is going to happen. You see that April 27 deadline is nothing more than a way to make this seem more urgent and to get people to buy in as soon as possible… buy the product that they are promoting of course.

When this date comes and passes they are just going to put a different date up in the near future.

A Look at $20 Bitcoin Blueprint – What Is It and What Does It Include?

All This “$20 Bitcoin Blueprint” really is, is just a misleading sales pitch to get you to buy into another product, which as I am writing this is called Seven Figure Formula. This is a penny stock investment newsletter created by Greg Geunthner. But I have seen other reviews of this claiming that it promotes different newsletters so I think they are switching things up. They are using the same “$20 Bitcoin Blueprint” sales pitch to promote multiple things.

But anyway…the whole cryptocurrency sales pitch was a bunch of BS. The “$20 bitcoin blueprint” is just a bonus in the newsletter, but not the focus of it.

In the newsletter you get 12 months of information for $49. This includes updates on stocks, market news, trade alerts, and other things related. And of course with the bonus you basically get the same stuff in the realm of cryptocurrency.

Should You Buy a Subscription to Make It Rich?

I don’t know, do you really want to buy into this after that extremely misleading sales pitch? I know that is enough to totally turned me away from this and not even think about buying in, but the choice is ultimately up to you.

I wasn’t able to really find any legitimate reviews from buyers of this newsletter. All I was able to find were other reviews that were fake and created just to promote the newsletter earn money doing so.

Something else you should know is that this newsletter is published by Agora Financial, which receives plenty of complaints and is well known for publishing newsletters that are promoted under very misleading sales pitches such as this one and two others that I have reviewed: “Freedom Checks” and Real Wealth Strategist.

Just to give you some proof about what I am talking about with this company, take a look at their ratings by the Better Business Bureau…

They are not rated by the Better Business Bureau themselves, nor are they accredited, but just take a look at all of the negative reviews and customer complaints. I have looked into this company on other occasions and from what I have found most of the complaints are from people that feel they have been suckered into buying a product without knowing what they were really getting into, and another popular complaint comes from people that have been overcharged and have trouble getting the money back.

Conclusion on Everything

A very misleading sales pitch no doubt, but can you make money? I’m sure you can but there are a lot of things out there you can make money with and a product that claims to make it super easy for you to become rich in the cryptocurrency market is not something I am going to buy into. The bottom line is that it is not super easy to get rich in the cryptocurrency market. Yes there are tons of opportunities in this market and a lot of people getting very rich, but it’s not easy… What is even easier is to lose money in this market.

Anyway, I would love to hear your thoughts and opinions on all of this. And if you have bought into this newsletter and have a personal review I would also like to hear that. Please leave any questions or comments below and I will get back to you soon 🙂

Investing

Greg Guenthner’s Seven Figure Formula Review – Is It as Good as It Claims to Be?

So I’m guessing that you just heard some ridiculous sales pitch and are suspicious of whether or not Seven Figure Formula is it legitimate? Is there really a “secret formula” that you can use to get rich trading penny stocks? Or is Seven Figure Formula a scam that is just going to leave you frustrated and discouraged the end of the day?

I also decided to look into this Seven Figure Formula after hearing some very over the top sales pitch which really raised my suspicion. And here we are now… Here’s my review after doing a bit of research to see if this is really something that I or others should buy into. And by the way, I am not promoting this product so you don’t have to worry about me trying to make this seem better than it really is like some other reviews out there do.

Seven Figure Formula Review

Seven Figure Formula has your pretty typical extremely misleading and overly hyped sales pitch that I have come to expect with financial newsletters published by Agora Financial. This publication company is a well-known for having many complaints from the various dubious business practices that they use. I’ve reviewed other opportunities from them, such as Freedom Checks, Real Wealth Strategist, $20 Bitcoin Blueprint, and they all use these very misleading and overly salesly sales pitches. But anyway, I’ll be going more over this later.

What is Seven Figure Formula exactly?

Well, what they tell you is it that it is some “secret formula” that you can use to get rich off of penny stocks. It is claimed to be based on some computer program called factor 148. And the code that the system runs on somehow forecasts big gains certain penny stocks.

Now of course none of this is backed up by any proof, and I’m guessing that this is just part of the misleading and deceptive sales pitch that I was expecting from a product like this, but you can come to your own conclusion on this.

The Creators

The computer program that makes all these predictions was developed (allegedly) by a man named Jonas Elmerraji, who is claimed to be some genius computer nerd. And the chief editor of the newsletter is Greg Guenthner, who has edited similar newsletters in the past such as Penny Stock Fortunes and Bulletin Board Elite.

I didn’t do too expensive of research on either of these two fellows, but from what I found they are both senior market analysts at Agora and have been doing this kind of thing for a while now.

What You Get When You Buy In

Monthly Report

This is the core of the newsletter. Every month you will receive a report that suggests at least one penny stock that they have research and believe has the potential to grow 100% or more over the year.

Weekly Updates

You will receive a weekly update on how everything is going with the model portfolio. This includes news on the different companies that have been recommended for investing and just anything important that is related.

Explanation of How It Works

Apparently they are going to be explaining how their computer program works and why it is so effective. I would love to hear more information on this and would love to see if it matches up with their sales pitch.

Other

You will also get updates on the market when there are urgent situations, such as when a trade should be made immediately. You will get access to the members area website where you will be able to see all the recommendations that were made, go through some training, and have other resources at your disposal.

The Cost

There are three different tiers of membership that you can but into. You can buy the cheapest silver membership for $49 per year, the platinum membership for $79 per year, or the gold membership for $89 per year. There isn’t much difference between the memberships. The only difference I see is that the more expensive ones give you access to a printed version of the newsletter whereas the silver membership only gives you access online…

What Other People Are Saying

So I did a lot of digging around and came up short when trying to find member reviews. I couldn’t really find anything from people who signed up and have been taking the advice of the newsletter.

So what I ended up doing is I took a look at the Penny Stock Fortunes newsletter product that Greg Guenthner is involved with. It seems to be very similar and I was able to find reviews on it so at the very least it gives me an idea of whether or not the information that this guy provides is any good and worth trusting.

Based on what I found the newsletter seems to be decent. People report modest gains from following its advice. It certainly isn’t a miracle worker but overall the advice seems to be decent. So hopefully this is what you can expect from Seven Figure Formula.

Conclusion on Seven Figure Formula – Should You Buy Into It?

The price of Seven Figure Formula really isn’t too bad. You can go with the silver membership for only $49 and get an entire year’s worth of advice. That’s not a bad price but of course whether or not that is a good deal entirely rests on the performance of the different penny stocks that are recommended.

If I were you I would do more research into this before hand. As I mentioned earlier this newsletter is published by Agora Financial, who is very well known mostly in a negative way. They are pretty notorious for publishing newsletters with extremely misleading sales pitches as well as overcharging customers and making it difficult to cancel subscriptions.

Just to give you a peek at what I am talking about here, take a look at the recordings on the Better Business Bureau’s website… They are not accredited by the Better Business Bureau so they do not have an official rating, but you can see that they have quite a hefty amount of negative reviews and complaints.

So just know what you’re getting into before you buy into this. And unfortunately this is the time to be difficult to research and really find truthful information about because of the misleading sales pitch and the fact that it is hard to find any real member reviews of it.

And as always, leave any questions or comments that you might have for me below and I will get back to you as soon as I can 🙂

"Get Rich Quick"

Digital Genius Lab Review – $1,000 Commissions or Scam System?

Digital Genius Lab claims to be an amazing program/system for those looking to make money online. In fact, the creators of it claim that most of it is “done for you” and that you and make up to $1000 commissions at a time. But is there anything to back up all this hype? Or is Digital Genius Lab a scam that you want to try to avoid?

In this review I’m going to go over what Digital Genius Lab is, how it works, what they don’t tell you before buying in, and my overall opinion of.

Digital Genius Lab Review

Digital Genius Lab is an online marketing system/program designed to be easy for people to make money online with.

I don’t know exactly where you are coming from, but I can tell you that I was led to the Digital Genius Lab system from a webinar hosted by Sean Malone and Chris Baden. The webinar in my opinion was way over the top “salesy” and lacked the important information that I wanted to hear. Pretty much it was a webinar that talked about how amazing the system was half of the time and the rest of the time was filled with questionable testimonials from members that claimed to have been making a lot of money with this system.

If you did see the webinar then I’m sure you will recognize the screenshot I talked below… And if you didn’t see this webinar it’s no big deal. They are probably lots of different funnels sending people to the checkout page for Digital Genius Lab.

One other thing I want to point out is that the webinar, although it claims to be live, is not. I’m guessing it was a live webinar when it was actually filmed, but now it is prerecorded and plays for anyone who goes to the page.

webinar with Sean Malone & Chris Baden – claim its a live webinar but really its pre-recorded so don’t get too excited. I’m sure it was live when they first filmed it but now they just play the darn thing on demand

How Does Digital Genius Lab Work… How Does It Make You Money?

Of course what everyone wants to know is how Digital Genius Lab is going to make you money. In the webinar that I watched Sean talks about how he failed with online marketing for 10 years and then came to the realization that the reason for this was because he did not have a mentor to show him the way. And of course this Digital Genius Lab system/program is going to give you the mentorship that you need to succeed… Of course.

They claim that pretty much everything with the system is done for you, including the landing pages, the website, the autoresponder and email series, and even the high ticket product offer that they are going to make money for you with.

So if all of that is done for you, what do you have to do to make money with the system? What is the catch?

The only thing that you have to focus on is the advertising which they provide training on. The route that this program takes his Facebook advertising, which I have used for years and I actually like very much. Facebook advertising can be very effective if you are good at it, but it’s also a great way to lose tons of money fast.

What you will be doing is advertising the Digital Genius Lab program/system. Your job is to drive traffic to the system and then the system’s job is to convert that traffic and make you money. So in this way it is similar to many other “make money online” programs out there, like MOBE & Legendary Marketer for example, that get people to buy into them by talking about how much money they can make and then when you buy in they end up pushing you to promote the same darn program you just bought into.

But… That’s Not All. There Is More To It…

What They Don’t Really Tell You

I guess they do tell you this, but they only mention it briefly and do not explain anything about it really. At least for the webinar that I watched they just talked about how amazing everything was and how you could earn big $1000 commissions but didn’t really tell you how.

What you might have missed is that this Digital Genius Lab program/system’s entire purpose is to promote something entirely different, which has nothing to do with Digital Genius Lab. The real offer that they are promoting is Enagic, which is a MLM (multi-level marketing) company that sells these stupid alkaline water ionization machines.

If you are unfamiliar with what MLM businesses are like, they are those pyramid -like recruitment focused businesses that have independent representatives running around selling products and recruiting other people to join the business.

How It All Works In a Nutshell

so your job is to advertise and send people to the Digital Genius Lab sales page. Then they are sold on the system just as you were and are pushed to buy into this Enagic MLM company

So yes… you can make money with this system and I guess its not a scam, but its kind-of a “shady” business system in a way because they lure people in by talking about all the money they can make with it and don’t really get down to the point and tell them what they are really buying into.

The Cost

For a Digital Genius Lab membership there are 2 payment options and neither of them are pretty. You can choose to pay on a monthly basis for $99/mo or you can choose to go for the big $997 yearly payment.

Then of course on top of that you are going to have to buy into the opportunity they are promoting, which is Enagic, and this can cost you thousands of more dollars because in order to actually make good money with this mlm company you are going to have to purchase one of their products yourself of give up your first say, which I’m not going to get into here… the point is that its probably going to cost you more than you think.

Conclusion on Digital Genius Lab – Good Opportunity or Not?

I’m sure some people will make some decent money with this but those that really are going to win big are the creators… because remember, the main product here is the mlm opportunity which you can earn from multiple levels beneath you.

Digital Genius Lab is a sneaky little system. I wouldn’t doubt seeing them in the future promoting a different high ticket product. All they really have to do is change up their sales funnel a bit and send people off to join some other opportunity. Everything would still remain the same as far as how the system works…. which includes people advertising and driving traffic to the Digital Genius Lab website and then the site funneling them into the new opportunity.

Personally I’m not going to join Digital Genius Lab, not a chance. Not only do I think this will be much more difficult than it seems, but I also don’t care for how they lure people in with misleading information and I have no interest in the high ticket opportunity they are selling.

If you want to join then go for it, but I’m sure as heck not.

If you are interested, which you might be since you are looking into this money making opportunity, I would recommend taking a look at how I make a living online. You can read my guide here where I go over what it is that I do, how it all works, and what I consider to be the best way for beginners to get started is.

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

"Get Rich Quick", Easy Money Scams

Is Litecoin Trader a Scam? – Sure Is!

Litecoin Trader claims to be an automated trading platform where everything is done for you. In the presentation video they tell you that you can make $2000 your first day using this software. But is this really true? Or is this just another trading bought scam that is going to steal your money and leave you discouraged and disappointed?

In this review I’m going to be going over exactly that. But I’ll tell you what, I’ll get straight to the point here and tell you that yes Litecoin Trader is more than likely a scam and I will be going over exactly what I’m saying this. The truth is that this opportunity exhibits many common scam characteristics and there is really nothing about this Litecoin Trader that leads me to believe it is actually legitimate.

Litecoin Trader Review

since you are reading this review I’m guessing that you’re suspicious of the bold claims made by Litecoin Trader. Whenever you come across an opportunity like this that claims to be an easy way to earn tons of money you should always proceed with caution. As a rule of thumb if something sounds too good to be true then it probably is. This little saying has saved my butt more than once.

Anyways, let me get into some of the claims that are made in the presentation video for Litecoin Trader…

As I said, Litecoin Trader it is claimed to do everything for you. Pretty much all you do is make an initial investment and the trading software will make trades for you automatically with extreme accuracy.

In the presentation video they tell you that you’re able to make $2000 on the first day of using. That is quite a claim… That means you are going to get a 800% return on your initial investment within the first day.

This would be awesome if it were actually true. I would have invested in this as soon as I came across it. But, of course this is all just a bunch of misleading information and a bunch of lies. The only thing that’s going to happen if you do invest in this trading software is that you will end up with less money.

As I said, I have been actually invested in the software nor do I plan to, but I have reviewed plenty of automated trading scams very similar to this one in the past so I know what to look for and I can tell you that this one displays many common scam characteristics, as I’ve mentioned. Below I’m going to be going over some of these.

Red Flags That This Is a Scam

The first red flag that should have caught your attention, and I’m assuming it but it is since you are reading this, is that this opportunity plain and simple seems too good to be true. I mean come on, why would they be giving away the software for free? I know scams like this usually say they’re doing it out of the kindness of their hearts, but when someone tells you this it seems that it is a scam much more often than it is not.

#1 – Impossible Returns

Making $2000 in the first day from an initial $250 investment it is absolutely impossible. And 800% return is just ludicrous.

I actively trade cryptocurrency and have been doing so for a while now. I can tell you with absolute certainty that a return like this is nowhere near possible when trading Litecoin. Litecoin is one of the bigger and more stable cryptocurrencies out there. It does not experience the volatility and price as some of the newer cryptocurrencies with smaller market caps and because of this you just can’t make as high returns trading it.

#2 – No Information on The Team Behind It

They tell you that this awesome trading software was developed by a massive team of over 500 developers and expert traders, yet they offer no proof of this actually being true. You are just supposed to take their word for it I guess, but this is definitely not something I’m willing to do.

I have never come across a legitimate trading platform or trading software where the team behind it, or the creator, keep themselves completely hidden from the public. Because Litecoin Trader’s creators do not show their faces this makes you wonder if they have something to hide?

If this trading software was really as good as they tell you they should be proud to put their faces and stand by it.

#3 – Impossible Win Rate

They also tell you that the software has a 99.7% success rate. You don’t have to be a trader or have any experience in this industry to realize that a rate this high is probably impossible.

I have never heard of an automated trading bot coming even close to this high of a win percentage, especially one that claims to do absolutely everything for you, which turn out to be scams 99.7% of the time.

Of course they tell you some line of BS about how their software uses cutting edge satellite technology to monitor the worlds markets 24/7, this is a very vague statement that they also offer no proof of.

#4 – They Refer You To Some Broker

the last red flag I want to go over, which is probably the most important and alarming of them all, is the fact that they refer you to a broker, which I mentioned in my post about ways to spot a cryptocurrency scam.

In the world of cryptocurrency trading there is no need for a broker. This is a completely unnecessary step and it makes absolutely no sense. But I will tell you why they are referring you to a broker.

The reason they are referring you to a broker is to scam you. The software is free to use but of course you have to make your initial $250 deposit, which is where they get you. What’s going to happen is they are going to refer you to a completely unregulated broker and you will have almost no chance of getting your money back, probably no chance at all.

They might make it appear that you are making money from this trading software by increasing the numbers of your balance but you really will not be. If you do buy into this you will find it out when you try to withdraw your money.

Conclusion On Litecoin Trader – Scam

Litecoin Trader is your pretty typical automated cryptocurrency trading software scam. I review these all the time. It seems like there are new ones coming out on a weekly basis. Recently there was the Ripple Code which claims you can make $7,000 per day, before that there was Bitcoin Bonanza that claims people are making over $10,000 per day with it.

These scams are ridiculous but unfortunately people do fall for them. Luckily for you, you took the time to do a little extra research and came across my review here. However, if you are reading this after already buying in then you are going to want to try to get your money back as soon as possible. This is probably going to be hard to do but you can try using a service like MyChargeBack to help you out with it.

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 🙂

Easy Money Scams

Best Cash Job Scam – Review of BestCashJob.com

Best Cash Job claims to be an easy way to earn $50-$100 every day, but is this really true? It claims to be the “easiest way to earn money”. From the looks of the website all you have to do is complete small tasks that take only 30 seconds and you can earn $10 for doing them.

But is Best Cash Job a scam? Is it just going to be a waste of your time? Or is this the super simple moneymaking method that everyone dreams of finding? I’ll jump straight to the point here and tell you that this is not what it seems to be. This is indeed a scam and I will be proving it to you in this review.

Best Cash Job Review

When I first came across BestCashJob (at bestcashjob.com) I already knew it was a scam. How did I know? Well, because I have reviewed plenty programs like this and this is literally identical to several of the other programs I have reviewed in the past, such as Dollars True as you can see here…

So this raises the question, why would the same program be promoted under different names? The answer to this is simple, because too many people were catching on that one of the programs was a scam so they rehashed the same program under a new name.

There is nothing that is true about this program. If you do join you will not lose any money so it’s not a horrible scam, but it will be a waste of time and you will not actually be able to make any money.

So are you wondering why this is a scam? Below I will go over why this is the case.

Its A Scam Because…

Okay, so they tell you that you can make $10 per task that you complete and that only takes 30 seconds to complete each task. If you register by entering your name and email, this is what you will find on the dashboard of the site… when you log into the dashboard you will be redirected to Dollars True which as I showed you above it is an identical program.

And if you look around on the dashboard you will find that there is only one task that you are able to perform. The only thing that you are able to do to supposedly make money is use your referral link to refer other people to join.

If this is true, then you must be wondering how did they make money in the first place so that they can pay you? Well… This is what they tell you: they tell you that they make money for generating traffic to their advertisers websites, and that by referring people to their website they are making money which you then make a cut of.

Lies Lies Lies

but of course this is not true. In order to see this all you have to do is look around their website. Where are the advertisements that they are talking about? The truth is that there aren’t any. They claim to be generating traffic for advertisers but how is this possible without any advertisements? The answer… It is not possible.

Even If It Were True You Wouldn’t Make Any Money

even if what they are saying was true you still will not make any money doing this. They tell you to promote your referral link on forums, blogs, comments, social media sites, etc. But this is not going to allow you to earn anything substantial.

Unless you have a massive social media following where you can post something and get thousands of people to see it, this is not going to be effective.

Online marketing is not so simple. I have been in the online space since 2015 and I know this from experience. You cannot just go out and paste a referral link all over the place and expect to make money. Sure you might get a couple referrals here and there but this is not something that will be sustainable.

Even if this website did actually work, and you could make money referring people to it, they do not provide the tools and training necessary to make any respectable income with it.

But anyways, none of this really matters because as I said you will not make money with this. It is all a scam.

What The True Purpose Is

the true purpose of this website is to capture your email address. It is a an email harvesting website where they collect a bunch of people’s emails and then sell them for profit.

This may sound like a strange concept but email marketing is huge for online business and where there is money to be made there are scams lurking. Some other very similar scams that I have reviewed include Dollar Tell and Regular Dollars.

Conclusion on BestCashJob – Scam

Best Cash Job is nothing more than a scam that lures people in with the hopes of making easy money online. These are the types of programs that you have to avoid or proceed with extreme caution when looking into.

Making money online is possible but it is not some super easy thing that a five-year-old can do. Often times when a program sounds too good to be true it probably is. As it is in this case.

If you are looking for a legitimate way to make money online then one thing I would suggest is to read over my guide on making money online. In this guide I go over what exactly it is that I do, how it all works, and what I consider to be the best way to get started.

And as always, leave any questions or comments below and I’ll get back to you as soon as possible 🙂

"Get Rich Quick", High Ticket Programs

Secret Society of Millionaires – Another Very Misleading Sales Pitch

Jason Alton claims that there is a “Secret Society of Millionaires” and that he is opening up new spots for mentorship right now. He claims that with this simple automated system can generate over $10,000 per month. But is this too good to be true? Is Secret Society of Millionaires a Scam is going to all of you of your money? Or is this the opportunity that you’ve been waiting for?

In this review I’m going to be getting over the reality of what’s happening here. The truth is that a sales presentation is extremely misleading and makes things same way better than what they really are. While you can make money with the system it is not the simple, easy, magical system that Jason claims it is.

Secret Society of Millionaires Review

The sales presentation is put on by a man named Jason Alton. He claims that he is opening up mentor-ship for this secret society and that there will only be a 20 spot capacity. And of course over on the right side of the screen no problem failure there’s only one or two spots left. However, none of this is true. There are unlimited spots for this program and I’m going to be showing you why this is the case in this review.

Since you are reading this review, I’m guessing that you’re suspicious of the claims made in the sales presentation. It pretty much seems like your typical online scam. He claims that is extremely easy, that you didn’t need any experience, that you can make tons of money, and that it runs on complete autopilot. Oh yeah, and of course somehow you are one of the lucky many people to get this private invitation.

But like I said, most of the information given in the sales presentation is very misleading. Here are a few things you should know before I get into what is really being sold to you here, which isn’t what he tells you.

Some Red Flags

#1 – Only 20 Spots Left!

He tells you that there are only 20 spots left, but this is not true. You could come to the website in a week from now and it would be telling you the same thing. This is just what you call false scarcity, and it is intended to get people to buy into this as fast as possible without doing the proper research and really thinking about it.

Believe me when I say this guy will take all the members he can possibly get to join.

#2 – By Invitation Only

He tells you that you can only land on his website by invitation only. But this is not true as well. Anyone can go to secretsocietyofmillionaires.com and sign up.

#3 – Its a Secret System

This system that he is referring you to is not a secret at all. It is being promoted all over the Internet right now and is not a secret by any stretch of the imagination. You will see why when I explain what this really is a second.

#4 – It Runs On Complete Autopilot

No it does not run on complete autopilot. There are lots of great automated characteristics with this online business as well as any other business, but it is far from being complete auto pilot.

#5 – The Testimonials Are Fake

the testimonials that were shown in the video presentation actually all fake. The people in these testimonials paid actors that you can hire on the website Fiverr. I recognized the one woman in the one testimonial video right away because I have seen her in others before. As you can see below this is the same woman from Fiver that you can pay to do a “natural video as a spokesperson”…

#6 – They Have Never Been Featured On The News

Jason claims that this program has been featured on various news sites but this is another lie. They show real news clips in the presentation video but these have nothing to do with the program that Jason is trying to sell you.

If you wanted to you could go to any of the news websites and search for Secret Society of Millionaires, but you would not find a thing related to it.

Whats REALLY Going On Here… The Truth

Basically all this is, is a sales funnel for another program called MOBE. And you can see this if you go to the checkout page and scroll down to the bottom where you will see…

So what the heck is MOBE?

MOBE is a digital marketing training program that provides the tools and training for making money online. In particular, it mostly provides training and tools so that you can go out and get other members to buy into MOBE. So you buy in to make money online and then you get the training and tools to make money online by getting others to buy in.

And if you thought that the $37 is all its going to cost then you are in for a rude awakening. This is just the beginning of a very expensive program. MOBE is what you call a “high ticket” program, meaning that it gets extremely expensive. The $37 product is just an introductory product that’s purpose is to get people’s feet in the door.

There are different products within the MOBE program, which are somewhat like different tiers of membership and they go up in price all the way to $29,997…

With MOBE it is possible to make money using the tools and training for any online business venture but the reality is that you are pushed to promote MOBE. And if you do this you will have to buy the more expensive products. Why? Well because you have to buy them if you want to make money promoting them with MOBE’s licensing rights business model.

So its going to get very expensive.

Conclusion on Secret Society of Millionaires

There is no “Secret Society of Millionaires”. The Secret Society of Millionaires website is a site created by Jason Alton who is a member of MOBE and makes money promoting it. He is doing what is very common for MOBE members to do, which is promote this program as some magical opportunity that you have to buy into right now, that is super easy, and that anyone can become rich with. I review MOBE promotional sites like this all the time, Your Easy Business and Get Money Relief for example, and its always the same deal.

MOBE has a serious problem with members promoting things in a very misleading way and pretty much scamming people. You can make money with it but it just isn’t as easy as it seems. Sure they do provide you with done-for-you sales funnels and products to promote, but it is still up to you to go out and do the marketing, which is easier said than done. That is why members often go the route of suckering in new members with lies and deceit.

Anyways…. I don’t recommend MOBE but if its something that you are interested in then go for it. Its just not my style.

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