Category Archives for "Investing"

10 Minute Millionaire Review – Another Scam?

Can anyone follow the 10 Minute Millionaire strategy by DR Barton Jr. and become a millionaire? Is it really that simple? Or is this all just one massive scam that is going to be a waste of your time and money?

Now I would be completely okay with "12 minute millionaire" or even "11 minute millionaire", but "10 Minute Millionaire"??… This just seems a little bit too good to be true.

But seriously… All jokes aside… There is a heck of a lot of hype surrounding this and it is no wonder why you are wondering if it is a scam or not. You have to be cautious these days. There are way too many scams out there and if something sounds a little bit too good to be true, often times it is.

But anyways… In this review I will be going over what exactly 10 Minute Millionaire is, what you get if you buy into it, what real subscribers are saying about it, and ultimately whether or not it is a junk scam or worth the money.

Spoiler alert: This is not the amazing moneymaker that you are led to believe it is.

The 10 Minute Millionaire Review

Product Type: Investment newsletter service

Editor: D.R. Barton Jr

Publisher: Money Map Press

Cost: $299/yr

Recommended?: Not really; you will see why

The 10 Minute Millionaire

Overview: What Is The 10 Minute Millionaire?

Okay… So what the heck is this to begin with?

Well… There is the book by DR Barton Jr called 10 Minute Millionaire and then there is his subscription newsletter service called 10 Minute Millionaire.

The book basically describes his strategy and is a lure to get people to buy into his subscription service. In the subscription service is one where he recommends different trades every month that you can follow along with and hopefully make money based on his expert investment advice.

I have seen promotions for his services where he claims that people can start using his strategy to bring in thousands of dollars per month, and it doesn't matter your age, gender, income, or even starting investment. Now I completely understand that it doesn't matter your age or gender… But it definitely matters what your starting investment is. When it comes to investing the potential returns you can receive are directly affected by your starting investment… Everyone knows that.

The Book

As I mentioned, this book is focused on the strategy that Mr. Barton created. The book got its name because he claims this strategy only takes 10 minutes of time per day and is the "most simple" and "most lucrative" trading strategy out there.

In fact, he even claims that it is the "secret anyone can use to turn $2500 into $1 million or more"

But most of the promotional material is a bunch of crap, and this book is nowhere nearly as amazing as you are led to believe. Just take a look at some of the many negative reviews from Amazon, where it is also sold...

The Subscription Service

And then there is the subscription service. With this service you get a monthly newsletter on new investment opportunities, you get weekly updates, alerts if there is anything Mr. Barton recommends doing immediately, and more.

Basically you get to follow along with Mr. Barton's current recommendations and this takes the guesswork out of investing.

His strategy is based around finding what he calls "extremes", which are anomalies in the market that have high potential to increase drastically in price, thus hopefully earning you a ton of money.

Besides the normal 10 Minute Millionaire subscription service, he also offers a higher tier service called the 10 Minute Millionaire Pro, which is an upsell that will be pushed upon you if you do subscribe to his normal service. I'm not sure exactly how much it costs, but I'm guessing it's pretty expensive.

The Lure

As I mentioned, the promotional material out there that is being used to lure people into this subscription service is pretty darn misleading.

There is one teaser floating around called "Federal Rent Checks", which I actually wrote a review on, that basically leads people to believe that all they have to do is put their name on some list to begin collecting monthly checks due to some law passed by Congress.

The sales pitch is absolutely ridiculous and much of it is complete BS. The real opportunity that he is talking about is investing in companies that collect rent from federal agencies and pay out dividends to shareholders.

And of course the lure is that you can get your piece of the pie for free, all you have to do is sign up for his newsletter.

Who Is D.R. Barton?

You might not have a very good opinion of Mr. Barton if you just watched one of his promotional videos. They are a bit over-the-top and ridiculous. However, he is someone who definitely knows what he is doing.

Apparently he first started dabbling in the stock markets when he was working as a chemical engineer at DuPoint and ended up doing pretty bad, realizing that the common trading strategies out there don't work very good.

This led him to create his own trading strategy based on his knowledge of physics rather than economics. In the story goes that this strategy works so well he quit his job and started working as a hedge fund manager.

Today he is featured on places like FOXBusiness and CNBC, as well as being a New York Times bestseller.

He seems like he knows what he is doing… But is his subscription service really worth it? 

Let's first take a look at what you get is a subscriber…

What You Get as a Subscriber to His Service

In a nutshell what you get is advice. You are provided with the recommended picks from Mr. Barton and his team but you are still responsible for making the trade yourself.

The different components to this membership include…

  • The Success Network
    • The Success Network allows you to connect with other members. You can network together and communicate.
  • Millionaire's Mindset
    • With the Millionaire's Mindset you get access to podcast recordings every week. In these recordings he talks about any new income opportunities, trading strategies, etc. These are to keep you updated.
  • Millionaire's Roundtable
    • This is a live video chat session in which you can ask any questions that you want to, although there is no guarantee that they will be answered. There also be information provided on the upcoming month and what it is looking like.
  • The Newsletter
    • And of course you have the newsletter. You will get emailed a copy of this newsletter every month and in it you will be provided with a review of performance and you will be kept updated with Barton's picks.
  • Copy of His Book
    • You get a copy of the 10 Minute Millionaire book that I talked about. He claims that this is a New York Times bestseller, but I couldn't really find any information on this.
  • Income Ledger
    • This is a notebook that you can use to keep track of your finances.
  • Guide to Money Management
    • Here he strays a bit from the main focus. This is about other opportunities out there that exist.
  • Passport to Wealth
    • The Passport to Wealth is all about being frugal and living like a millionaire without spending like one.
  • VIP Card
    • This is just the access to get to the concierge service.

Subscriber Reviews... Is It Really Worth It?

Well it seems like you get a lot, but is what you are getting actually any good? In order to answer this question is always a good idea to look at real subscriber reviews. 

Unfortunately things aren't too good based on what I found… It has a rating on Stock Gumshoe of 1.7 out of 5 stars... not too pretty...

One of the reviews worth mentioning that I found talks about how it all seems to be a money sucking scheme. Basically they lure you in with the one subscription and then promote a bunch of other ones to you trying to get you to buy in…

No Refunds...

I also noticed that there are no refunds available for this subscription. Once you sign up, there's no getting that money back. I think this is something that I definitely need to warn you about because they are not very straightforward in telling you this.

You also have to be careful because once you sign up, which costs $299 by the way, you will automatically be charged another $299 the following year if you forget to cancel.

But this type of shady behavior comes as no surprise to me, after all… It is published by place called Money Map Press.

The Shady Publisher Behind This Subscription

Money Map Press is the company that publishes the 10 Minute Millionaire newsletter service in unfortunately they're not exactly a place that many people would want to put their trust in.

This place offers a number of different financial subscription services with a number of different editors. DR Barton Jr is just one of them and 10 Minute Millionaire is just one of the many newsletter services. Fast Fortune Club and Money Map Report are two other services that I've reviewed here which receive a lot of complaints.

However.... They all are very similar. Of course they all have the common theme of being investment focused newsletters, and they also all get a lot of complaints about them.

Complaints like false advertising, no refunds offered, being charged without knowing it, the services being a waste of money, recommended trades seem to be given late, and so on.

I took a screenshot of a couple complaints about this place from the popular complaint board called Pissed Consumer that you can take a look at…

The company has over 30 reviews and an average rating of around 1.5 out of 5 stars... also not very pretty.

Scam or Not?

I do not think I would go as far to call this a scam, but this isn't really a place I would recommend getting involved with. Based on what I see, you just really can't trust this place all that much.

The incredibly misleading advertising tactics that they employ need to be stopped. They lead people to believe that they're going to be able to make super easy money when the reality is much different. And unfortunately we have no idea how well this investment advisement service really performs because, like many similar services out there, they only seem to publicize the trades that have made a lot of money while sweeping all of the bad recommendations under the rug.


I don't think I found one positive review out there that actually seems to be legitimate. Sure, you will find some positive reviews but often times the people writing them are getting paid to write them.

While I don't disagree with the fact that you can probably make money with this advisement service, there is no way I'm going to be recommending it to my readers. There are much better services out there in my opinion… Ones that are much more trustworthy and that do not lure people in with the hopes and dreams of making tons of easy money.

But anyways… I hope you enjoyed my review and found it helpful. If you have any comments about the 10 Minute Millionaire would love to hear them in the comment section below. Please also leave any questions down there and I'll get back to you as soon as I can 🙂

Money Map Report – Scam or Will You Make Money?

Keith Fitz-Gerald's Money Map Report is often advertised/promoted as one heck of an incredible investment opportunity, but is it really? Or should we be calling this the Money Map Report scam?

There isn't much wonder why you are questioning the legitimacy of this investment newsletter. After all, he promotions out there are incredibly hyped up and seem a bit too good to be true, or at least I think so. You are often shown all these amazing investments that Keith has recommended which have turned out to be very profitable, but is this really the whole story? Is this guy just some mad genius that can predict the stock market with such precision that he almost never loses?

The fact of the matter is that many of the promotions out there for Money Map Report are very misleading, which is the point of me writing this review here now. There is a lot of misinformation out there and the last thing you want to do is get involved in an investment opportunity that leads to a loss of money rather than a gain.

Is it a scam? Can you make money following his advice? What you should you believe? Well… The truth is, while there definitely is value to this newsletter, it is not all that it is cracked up to be.

Money Map Report

  • Type: Financial newsletter
  • Publisher: Money Map Press
  • Chief Editor: Keith Fitz-Gerald
  • Recommended?: Not really; more on this
Money Map Report

What Is Money Map Report?

In a nutshell, the Money Map Report is a financial newsletter that is headed by the chief editor Keith Fitz-Gerald, it was fairly well known in the financial/investment world in definitely does have the credentials to be chief editor of such a publishing.

Basically what you get as a subscriber to this newsletter is the ability to follow along with Keith's recommendations. Each month you make some recommendations and this essentially takes the guesswork out of investing, if you do want to simply follow what he recommends to a T. In addition you are also kept in the loop and receive alerts/notifications when certain trades need to be made.

Sounds great and all, but what is the track record of this service? Well… I'll get into that in a bit, but first I want to go over some of the misleading promotional material that is out there and more…

Lures Dangling Just Waiting to Reel People In

What I'm talking about here is the promotional material that is trying to get you on the hook. There are lures put in place, pretty darn misleading ones, and they are meant to real you in as a subscriber.

There are probably many different sales pitches that exist, but one of the ones that I personally came across was called "Supercharge Your Social Security", which was basically presented as a way to earn a "lump sum check within 5 days", which supposedly was going to come from the underpayment of Social Security.

Now I'm not going to get to in-depth with this ridiculous promotion, but basically it is an incredibly misleading sales pitch in you are then told by Keith Fitz-Gerald (which is the editor of Money Map Report of course) that he wants to give you a free copy of his book Supercharge Your Social Security as well as another on How to Claim Your $23,441

But of course there is a catch… There is always a catch… The catch in this case is that you have to subscribe to the Money Map Report newsletter in order to get these free e-books.

It is all a ploy to get more subscribers, and a very misleading one at that.

Who Is This Keith Fitz-Gerald Guy?

It's always important to look into the person(s) behind something like this. After all, the last thing you want to be doing is taking advice from someone who shouldn't be giving in the first place. 

Keith started out investing at a very young age and was supposedly taught by his grandmother. To date, he has over 35 years of global experience and is well known in the industry, having been featured in all sorts of financial magazines such as Forbes, WIRED, Street Journal, and others. But you can read more about this on if you want to.

One of the more notable claims to fame that he has had over the years is when he somewhat predicted the crisis in was able to navigate it along with the aftermath.

What You Get as a Subscriber

  • Monthly Money Map Reports
    • This is the core of what you get as a subscriber. It consists of a monthly report that includes two of Keith's top stock picks and provides detailed information on why they are his top picks.
  • Trade Alerts
    • The trade alerts are a big deal. Basically these are just alerts that you will receive as a subscriber that notify you when there is a good time to make a trade, whether it be an opportunity to buy or sell.
  • Weekly Dossiers
    • You will also receive these weekly dossiers that will busily keep you up-to-date with what is going on in the market and anything that Keith and his team think you should be aware of.
  • Access to the "Intelligence Network"
    • To be honest, I am not 100% sure what exactly this "intelligence network" is, because there is limited information on this subscription service, but I am guessing that this network just gives you the ability to interact with other subscribers. The reason this is my guess is because I know that other newsletter publishing's from Money Map Press (the publisher of Money Map Report) provide this feature.
  • Audio/Video Briefings
    • Pretty self-explanatory… You also get access to audio/video briefings recorded by Keith.
  • Tactics & Risk Management Tutorials
    • These tutorials are held twice weekly.
  • Access to the Members Area
    • And of course you get access to the members area since you are a member.

As I already explained, in a nutshell basically you are getting access to Keith's recommended investments so that you can follow along and simply do as he says.

What Are The Ratings Like?

But of course it is all about the ratings… What are people saying about this newsletter you have actually been subscribers and have followed the recommendations made? Are they praising as the greatest opportunity ever? Are they making thousands upon thousands of dollars from the advice given?

Unfortunately… As I told you in the beginning… This advisement service is not nearly as good as it may seem, which is the reason that it only has a rating of 2.2 out of 5 with over 300 votes on Stock Gumshoe...

Also there are plenty of complaints that you can find on this service, definitely no shortage.

As I was scrolling through and scanning over the many complaints, I found one's such as that pictured below, complaining about the ridiculous advertisements that are pushed on you and the constant bombardment of other scam services…

I found some complaints talking about the unfair advertising and even stating that the Attorney General should be getting involved to put an end to this type of false advertisement…

And plenty more negative reviews…

And the list goes on and on and on, but I'm not going to get into everything.

A Look at The Track Record

So there are obviously a lot of people complaining about this service, but a lot of the complaints are more about the pushy advertising tactics used, rather than the actual results of the advice given.

So what is the track record like? Is this guy really recommending all these incredible trades like those shown in the promotional material?

Well… Unfortunately this is not a question I can answer because there is reason to believe that they cover-up bad recommendations and only show the good ones. So there's really no way of knowing what percent of recommendations have been winners in which have been losers based on the information that I find.

And yes... People have tried to get them to share this information, but they keep it hidden, which really makes you question what the track record is really like…

Complaints Galore... And It's No Wonder!

The amount of complaints that this newsletter service receives is pretty crazy and after reading through bunch, it is hard to trust this place at all. The ridiculous advertising tactics need to stop. The ads are incredibly misleading, as I went over in the beginning, and no one likes to get bombarded with other promotions after becoming a subscriber.

It really makes you wonder if they actually want to help people make money or if they are just here to make money off of you? With the overly salesy nature of the business, it definitely seems like they are just trying to suck every penny out of you.

But I guess this comes as no surprise. After all, this newsletter is the publishing of a company called Money Map Press, which also publishes a range of other investment newsletters that all get some pretty darn bad reviews and they all seem to be engaged in deceptive marketing tactics that are filled with lies and misleading information. 

Money Map Press has around 200 complaints with the BBB and it is no wonder.

I actually reviewed another one of Money Map Press' newsletters called Fast Fortune Club and it was the same type of deal.

Conclusion: Scam or Not?

It it's hard to conclude whether or not this is a scam, because we all sort of have our own definitions of what a scam consists of. That said, I would not call it a scam but I also definitely do not recommend this investment advisement service.

Unfortunately I can't get access to the track record to see how well all of the recommendations for service provided have fared, but this tells you something… It tells you that they have something to hide, which is losing trades.

Can you really trust a place that hides the truth? The only shows you the good sides of things but leaves out all the bad?

I think not and that is why I am not going to be recommending it to any of my readers. This is just not the type of place I would want to get involved with.

But anyways… I hope you enjoyed my short review and found it somewhat helpful. There are a lot better investment advisement services out there than this.

Please leave any questions or comments down below and I'll get back to you as soon as I can 🙂

“MAGA Checks” Scam Exposed – What Is Really Going On Here?

Can you really start collecting “MAGA Checks” on a regular basis for thousands of dollars, or even tens of thousands of dollars? Is it really that simple? Did Donald Trump really passed some new law to allow you to start collecting these checks, regardless of your age, political affiliation, etc.? Or is this all a bunch of bunk… Is it possible that MAGA Checks are a scam?

As you are probably somewhat aware, or at least I assume you are, these MAGA Checks are not what they seem to be… Or at least not what you are led to believe they are. I’m guessing that you probably heard or saw an advertisement for these checks and thought it sounded a little bit too good to be true, which lead to you doing some research on your own and eventually you came across my review here.

In this review I will be exposing this scam for what it really is. While I guess some may argue with me on whether it is a scam or not, there is no doubt that the opportunity is incredibly misleading and that many people feel scammed who get sucked into it.

The Sales Pitch

The sales pitch is put on by a guy named Dr. Steve Sjuggerud. He talks all about how you can start collecting these “big cash payments” from the MAGA Checks that Trump has something to do with.

Right off the bat you are probably thinking that these are some sort of government approved checks and are something like Social Security, but then he tells you that this has absolutely nothing to do with the government and Social Security.

Throughout the pitch there are a bunch of statement shown about people who are supposedly collecting tons of money on a regular basis with these checks. However, there is absolutely no proof that any of this is true or that you these people even exist for that matter.

Is “Jim G” really on pace to collect $5295? Is “Neil W” really going to collect $24,000 this year at the age of 79 from these checks?…

I would say that nearly half of the sales pitch is just a bunch of talk about people collecting all this money from these checks but there is no proof offered at any point that these claims are real.

But anyways, what the heck are these checks that he is talking about anyhow? They sound pretty darn amazing but throughout the sales pitch he only gives you small hints at what they are and never actually provides any good details. This is all the work of a salesman… He keeps you wanting more and of course you have to take action and subscribe to the newsletter, that I’ll talk about in a bit, in order to find out what you are really getting into.

What Are MAGA Checks Really? Do They Even Exist?

So what the heck are MAGA Checks?

Well, I can tell you one thing… These checks do not exist in the sense that you are led to believe. There aren’t any checks that are actually called “MAGA Checks”. This is just a stupid name that Dr Steve Stuggerud my stuff came up with.

There are some hints at what these checks actually are throughout the sales page, such as how you will need money to invest and how companies are distributing these checks, but there is no clear picture given. You are also told that it is all about real estate and have something to do with companies renting other companies large amounts of land.

What it all comes down to is some law that “helps revitalize an obscure government real estate program from the 1960’s” which Trump has something to do with.

What Are They Really?

But anyways, was get to the point here… These checks are really just dividend payments that anyone can get after investing in certain companies, and in this Casey is specifically talking about real estate companies that rent mass amounts of land to other large companies.

He claims to have selected 225 “Trump approved institutions” that he wants to share with you. Apparently these companies pay out “3 times more than other MAGA check companies”.

What’s The Point of This Ridiculousness?

So you may be wondering, what is the point of all of this? If this guy is willing to go to quite ridiculous lengths to put together this incredibly misleading sales pitch, there has to be a reason for. In the reason probably has to do something with money, right?

Well… You would be right to assume this. The point of this entire deceptive sales pitch is to lure people into subscribing to a newsletter called “True Wealth“, which is similar to other investment newsletters I have reviewed in the past like True Momentum and  Real Wealth Strategist. This is a newsletter edited by Steve Staggerud in which he basically makes recommendations for assets that he thinks have profit potential.

The cost of a subscription is $49 for one year, but of course it was normally priced at $199 and you are getting some type of a “special discount”..

The Shady Company Behind This

The company behind this all is Stansberry Research, which I also have reviewed in the past. Misleading promotions and advertisements for their latest newsletters like this is nothing new… It is something this place is very good at and often participates in. In fact, in the past their founder, Mr. Porter Stansberry himself, was forced by the SEC to pay back 1.5 million to subscribers after they determined that he had defrauded them by making misleading statements that he knew were false in order to lure in new customers. You can read more about this in this US News article.

If you do a little bit of research on this company you will find plenty of negative reviews. On the BBB’s website they have an overall rating of 1 out of 5 stars, which is pretty darn horrible if you ask me. Most of the complaints made seem to be from people who have made a one time purchase, or thought it was supposed to be a one time purchase, of a $49 investment book (also in $19 investment book) and then were charged for additional subscriptions without them knowing. Pretty much all the reviews are about this sort of thing.

Conclusion = Avoid

Okay… So there isn’t anything actually called “MAGA Checks”. The opportunity is way overhyped and made to seem like some fairytale investment opportunity. The company behind it all is incredibly shady and has had run-ins with the law in the past.

What else?

Oh yeah, how about the fact that he completely leaves out and forgets to mention how you will have to have a significant amount of money to invest in order to make profits like those mentioned in the sales pitch. Remember, these checks are really just the dividend payments and if you want to collect thousands of dollars regularly then having just a couple thousand to invest isn’t going to cut it.

It may seem that this guy is doing some great American deed by helping out “hard-working Americans”, but in reality he is doing the opposite. He is preying on people that are desperate to secure a good retirement, mainly targeting the older conservative Republican population.

Subscribe to this newsletter if you want to, I mean there are some people that have left good reviews about it, but I am certainly not going to recommend getting involved. This is just not the type of business I think is worth getting involved with in there are for more negative complaints out there than positive ones.

But anyways, I hope you enjoyed this review and found it helpful. Please leave any questions or comments down below and I’ll get back to you as soon as I can 🙂

Fast Fortune Club – Scam by Tom Gentile or Easy Money? [Review]

Tom Gentile claims that his Fast Fortune Club can make you rich, very rich… all with very little work required. But is this the truth? Should you take him at his word? Or is Fast Fortune Club a scam that is just going to suck the money out of you and provide you with little to nothing in return?

This investment newsletter subscription is often promoted as a way to "set up a serious of take-it-to-the-bank payouts of $605... $822... $1,190... $2,830 every single week" and I have even seen advertisements, like the picture shown above, of "Watch America's #1 Trader Become $1,050 Richer in 15 Seconds", as well as other things like this.

It definitely seems a little bit too good to be true right off the bat, but this doesn't necessarily mean is a scam. That said, I'm guessing that you are a bit suspicious of this investment newsletter service and your suspicion is what led you to my review here, which is good.

You have to beware of the many fake reviews out there. While doing my research on Fast Fortune Club (FCC as I will call it at times) I came across a number of fake reviews that work claiming that FFC is the greatest thing ever, but basically they were just another sales pitch and you can't really trust them all too much.

But anyways, in this review I will be going over what exactly Fast Fortune Club it is, the man behind it, some concerns I have, what you actually get if you subscribe, complaints and more. If you are thinking about possibly subscribing to this place you are definitely going to want to read this over first.

Fast Fortune Club Review

Newsletter Name: Fast Fortune Club

Type: Investment 

Editor: Tom Gentile

Publisher: Map Money Press

Recommended?: No and you will see why

Fast Fortune Club

What Is Fast Fortune Club?

Fast Fortune Club is an investment newsletter created by Tom Gentile, it was said to be "America's #1 trader" although it seems that this nickname does not hold to be true.

I'm guessing that you probably came across some promotional material for this newsletter and heard all about how it supposedly allows you to collect a series of profit each week, requires no guess work and all you have to do is follow along, and of course only takes about 10 minutes of your time a day. But there's a lot more to it than that.

Basically what a subscription to this newsletter gives you is investment advice from Tom and his team. He makes predictions as to what are good investments and you are alerted on what you should do… That is basically it in a nutshell, but I will go over what you get in more detail below.

First let's talk about who this Tom Gentile is though..

Who Is Tom Gentile?

Well... He is a millionaire that has over 30 years experience in securities and it dabbles in trading stocks, futures and options. He is also the author of several different educational books such as The Options Course, the Index Course and others.

However, his real "claim to fame" dates back to 1993 when he and a group of other people started a company called Optionetics, which is an options trading education company that was sold to Charles Schwab in 2009.

But is this guy really that great? Is he really some guru that is going to help you make a ton of money like him? Critics would say otherwise… Making the point that he really hasn't done anything all that great since founding Optionetics and selling it for a ton of money, besides authoring books and selling subscription services.


I'll get into what you get if you actually subscribe to this newsletter in a second, but first I want to go over some of the concerns that should be mentioned.

First off, the sales pitch for FFC it's pretty ridiculous and I think most people would agree with me that it is over-the-top. It sounds like a "get-rich-quick" type of deal and is somewhat deceptive. Typically don't want to fall for this type of foolery in the way in which this is marketed is definitely a concern.

It should also be noted that the company behind this newsletter, Map Money Press, doesn't exactly have the best reputation. In fact, it has a pretty darn bad reputation. This company does have an A+ rating with the BBB, but has an average of just over a 1 out of 5 star rating with over 50 customer reviews… Pretty horrible. Based on the number of complaints and bad customer reviews alone, this play should have a F rating, but the rating system that the BBB uses doesn't make all that much sense.

And if you read some of the complaints that people leave you will probably get an uneasy feeling in your stomach. There are a lot of complaints about the deceptive marketing tactics used by this place to promote their various subscription newsletters, such as talking about all the big winners and all the money that you can make, while totally leaving out the losers and money that has been lost because of bad advice.

There also a fair number of complaints about how they bombard you with emails for their many subscription services. Many people agree that they are only in it for the money and just want to suck you dry… Not really caring whether you make money or not. These sort of complaints remind me a lot of the somewhat infamous Agora Financial publication company, which also publishes financial newsletters like this.

What You Get If When You Subscribe

  • Personal Money Calendar
    • Allows you to make predictions for options trades based on the pattern recognition protocol created by Tom Gentile. Details on how to use this protocol are explained in a simple manner. 
  • Payday Appointments and Alerts
    • Going along with the predictions made in the Personal Money Calendar, these appointments and alerts tell you when to do what you need to do to make trades.
  • Million Dollar Masterclass
    • You get a masterclass available to you on a monthly basis. These masterclasses deal with some aspect of trading, whether it be some new strategy, some "secret" that he has never revealed before, or something along these lines. With these classes you get a virtual walk-through with live trading demos.
  • Quick Start Cash Course
    • This is basically a beginners course that takes you through all the different types of trading, such as trading stocks, ETF's and options. It is divided up into 7 parts and gives you all the basics, even things like setting up your trading account and such.
  • Text Message Notifications
    • These are pretty self-explanatory... you can get alerted by text message when there is something you need to know, such as an immediate stock you should sell and so on. Things like this allow you to stay "in the know" much more easily without having to hop on your computer all the time.
  • The Network
    • This is a pretty nice feature of the club because it allows you to interact with other members. You can join chat groups, share strategies, and learn a lot from these other like-minded people.
  • Progress Reports
    • Progress reports are send out on a weekly basis and give you an overview for how everything is going. You will be able to see how the recommendations are performing and how much you are profiting.
  • Podcast
    • Every Friday Tom does a podcast that outlines the upcoming week and what his plans are. This isn't all that important but if you want to stay on top of things it can be worth listening to.
  • Roundtable
    • I've reviewed a fair amount of investment subscription services over the years and I have to say that this is something no one else is really doing, and it is refreshing to see. The roundtable is a basically a live Q&A session with Tom Gentile. You can ask him questions in real time and hopefully get answers... although not guaranteed.
  • Annual Summit
    • Every year they hold a live summit where you can actually meet everyone in real life. You will be able to meet Tom and the team behind it all as well as meet up with other subscribers who make it out to the event. There are live training sessions held as well as other educational lessons. 

Is His "Money Calendar" Really That Good?

The Money Calendar, which is a system Tom uses to predict good investment opportunities, is that the main part of this subscription service. This is the meat of it… This is what is either going to make you money, or cause you to lose money.

So is it any good?

Well of course Tom lead you to believe that his investment advice is going to make you rich, superrich, but the big concern is that he is lying and you can't really trust what you hear from the promotional content.

One thing I always like to do when I'm writing reviews like this is to try to find as many independent individual reviews as possible. You know, reviews left from people who have actually been subscribed to the particular service in question and have no monetary incentive to leave a biased review.

Luckily I was able to find many such independent reviews from the investment education site Stock Gumshoe and what I found is not pretty. With a total of around 500 votes, Tom Gentile's Money Calendar service has an average rating of 2.1 out of 5...

Now I don't know about you but a 2.1 rating just isn't going to cut it for me. When it comes to trusting someone's advice with my hard-earned money, anything below a 4 rating on a 5 star scale is just too low… 2.1 being a way too low.

And as you can imagine with an incredibly low rating like this, there are plenty of complaints… Which brings me to my next section, which is probably the most interesting and telling of them all…


There are a lot of complaints… Where to begin, where to begin?

Well, I guess I'll begin by showing this complaint, which I came across a lot of similar variations of, from someone being upset about losing most of the trades that Tom recommended…

There are a lot of complaints I read over from people claiming that he has been making a lot of losing recommendations lately. The big question is, has always been this way or is the market now just heading in a direction that is unpredictable based on his Money Calendar system?

But anyways, the bottom line is that there are a heck of a lot of people claiming that he has been recommending losing trades… Which of course he seems to do his best to cover up.

And now let's get to the more bold and ruthless complaints that really attack Tom and what he is doing, such as these ones that call him a scammer and state that the SEC should ban him from providing financial advice…

And then there is this rather detailed review left by a subscriber of Fast Fortune Club that goes over one of his losing recommendations…

And this is just a small piece of a much larger pie. There are tons of complaints about Tom and his newsletter service, but I don't want to bore you with them all.

It's All About Results...

When it comes to an investment service like this it is all about the results. We don't really care about how fancy or innovative the system is that he has come up with… We want to see results. Our his recommendations making people money? This is the big question.

Unfortunately it seems that the answer to this is that No they aren't making people money, or at least definitely not to the extent that you are led to believe. I've read comments from people claiming that out of a handful of recommendations only a few turn out to be winners.

The comment above said it best… Maybe this strategy used to work in the past, but it isn't now, yet Tom is still promoting it as this incredible newsletter service that is going to make you rich.

A Good Example of Deceptive Marketing

I think this all is a pretty good example of deceptive marketing. You are misled by these ridiculous promotions that are over-hyped, leaving out all the negative and only telling you about the best of situations.

It is a good example of the sleazy online marketing that has become all too common on the Internet.

I've reviewed quite a few investment newsletters over the years, unfortunately many of them being marketed in a similar manner, such as Real Wealth Strategist and Lifetime Income Report.

Conclusion - Scam or Not?

Based on the research that I have done it definitely appears that this investment newsletter subscription is not nearly as good as it is claimed to be. But does this equate to a being a scam? Well… You can be the judge of this.

However, it is somewhat difficult to write a review like this when I have not been a subscriber myself since there is a lack of verified results from the recommendations made by Tom Gentile.... You know since he only talks about his winning picks and seems to cover up his failures.

But anyways… This is not an investment service that I'm going to be recommending to my readers. I just don't support this kind of misleading marketing and it doesn't seem that this service is going to be making anyone rich.

I hope you enjoyed this review and found it helpful. Please leave any comments or questions down below and I'll get back to you as soon as I can 🙂

Federal Rent Checks – Scam or Can You Really Collect Checks for $1,795 Monthly? [Exposed]

There is a new teaser being advertised all over about being able to receive these "Federal Rent Checks" for $1795 or more every month. But is this really true? Can you really receive free checks like this each and every month? Or is it possible that this whole thing about Federal Rent Checks is a scam that you should be avoiding?

You are led to believe that all you have to do is get your name on some "distribution list" in order to start receiving tons of money via these checks, all on autopilot. But unfortunately what you are told and what is the truth are two different stories.

While what you are told is based upon the truth, there is so much misleading information given that many people who get involved here are just going to end up disappointed, discouraged, and many will probably just end up losing money rather than making any notable profit.

Now I wouldn't call this a complete scam, but there is no doubt that marketing trickery used is of "shady" business practices… Luring unsuspecting people into in investment opportunity that they might not be suited for.

But anyways… If you're looking for more information on this opportunity then you're in the right place. I've done a fair amount of research looking into this and in this review I'll be exposing the truth. If you are possibly thinking about getting involved, you're definitely going to want to read this first.

"Federal Rent Checks" Review

Name: Federal Rent Checks

Type: Investment opportunity

Rating: Not very good

Opinion: Overall a very misleading investment opportunity being marketed in a deceptive fashion

The Sales Pitch

Since you are wondering whether or not this whole thing is a scam, I'm guessing you came across the ridiculous video presentation that was put on by D.R. Barton Jr. This video presentation is so over-the-top that is enough to make anyone assume it very well might be a scam right off the bat. It kinda reminds me of the "Alpha Contracts" teaser that I've exposed recently, but that is a different story.

The video starts off with Mr. Barton talking about how federal agencies are required to pay rent for the land that they occupy and that this money is flooding the treasury, where it is being stockpiled. This year, according to what he says, there will be a massive money pool of $11.1 billion.

However, contrary to what you may think at first, this is not a government program and has nothing to do with Social Security or anything like that. Instead, it is a "little-known IRS directive".

Several times throughout the presentation you are told about some "distribution list", where supposedly all you have to do is get your name on this list to start receiving these monthly "Federal Rent Checks".

At one point in the video he references "Public Law 92-313", which is a law that requires federal agencies to pay for space assigned to them, kind of like commercial rent. In it is said that there are about 9600 buildings in which the government is legally required to pay rent for.

But how can you collect these checks? 

The steps that need to be taken, according to what you are told, or listed as follows. And I know, they aren't really actionable steps that should be taken, but this is how they are explained in the video presentation…

Step 1: Over 100 government agencies pay rent for their buildings.

Step 2: All the money is sent to the Federal Buildings Fund.

Step 3: About 1,500 of the buildings are owned by the US government so the Federal Buildings Fund deposits their rent payments into the treasury.

Step 4: Private agencies oversee the remaining 8,000 or so buildings, so the Federal Buildings Fund sends money directly to these companies as rent payment.

Step 5: These private agencies distribute these rent checks to their shareholders

You are also told that all you have to do is invest $11 to get started in get your name on the distribution list, which is a very misleading piece of BS, as I will explain more later.

The first hint you get to what these Federal Rent Checks really are is in step 4 and 5, when it is mentioned that private agencies are involved and that these private agencies distribute rent checks to their shareholders. However, I will go into much more detail on what is really going on here in a bit.

Before I do this though, I first want to expose some of the lies that you are told throughout the video presentation.

Why So Many Lies?

When it comes to making investment decisions, there is a a lot of emphasis placed on trust. If you cannot trust the place that is going to be providing investment advice then you definitely should not take their advice… Or at least I think most people would agree with that, wouldn't you?

Well… Should you trust this D.R. Barton guy? Don't answer this just yet… Read over the rest of this section and then answer it… After you see all the lies that have been spewing out of his mouth.

Nearly half of the video presentation is filled with a bunch of images of people who have supposedly been collecting tons of money via these rent checks, such as "Pauline Hassett" who is making $4189 a month… Or at least that is what you are told…

But is Pauline really making $4189 per month via these rent checks? I highly doubt this and for good reason. The reason is because this picture of "Pauline" is a fake.

I was suspicious of all of these images of people appearing in the video presentation so I decided to do a little investigating. I ran some reverse Google image search is and found that some of them, including this one, are actually stock photos that are available for purchase online… Meaning that this is not "Pauline" and the entire story is likely a fake and just as the image is.

You are also shown a bunch of other people who are supposedly making a ton of money with these checks. Take a "Peter Moreno" (shown below) for example, he was supposedly making a whopping $10,591 per month…

Can this story possibly be real? Can Peter really be making over $10,000 per month like this?

Well... I ran a reverse Google image search of this image as well and could not find whether it was a stock photo or not, but of course this does not mean that it is legitimate.

I am hesitant to believe that any of these success stories are actually real. "Simon Callahan" is another character that I found is a proven fake, who was said to be making $3742 per month. This photo actually comes from the stock photo site Shutterstock… 

Now it may seem a bit weird that I even thought of running image searches for these people that were shown in the video presentation, but this is nothing new to me. In fact, it reminds me a lot of the Freedom Checks teaser as well as "Congressional Checks" that I reviewed in the past, both of which were filled with fake stories and fake photos.

But anyways… What do you make of this all? Obviously you cannot trust this Mr. Barton guy as much as you might have thought in the beginning. Why would he be lying to us like this? If he is presenting us with such an amazing investment opportunity and really wants is to make tons of easy money than what is the point of making up fake stories like this?

You will see the answer to this question in a bit.

What Are Federal Rent Checks Really?

At this point you may be wondering if there is any truth to what you are told in the video presentation. Is any of it true? Can you even collect checks on a monthly basis as you are told?

The surprising answer is that Yes, a lot of what you are told is actually true, it is just presented in an extremely misleading fashion that gives you the wrong view of what this opportunity actually is.

So what are Federal Rent Checks?

They are nothing more than a made up name for the dividends that are paid out if you are a shareholder in Real Estate Investment Trusts, or REITs.

These REITs do pay out very high dividends as you are told… At least 90% of their profits must be paid out in dividends. The reason for these extremely high payouts is because these investment trusts have a way around taxes… They do not pay corporate taxes.

And about the whole "transfer your rights" thing. He talks about how you can transfer your rights to receive these Federal Rent Checks and making a lot of money doing so. What he is actually referring to here is selling your stock. Sure… When you sell your stock you can make a big profit, potentially. This is just some other misleading marketing trickery being used here.

So no… It is not like you just sign up for some list and start receiving these checks. You first need to invest in REITs in the amount of money that you can potentially make is dependent on the amount that you invest.

It is a bunch of BS when he tells you that you only need $11 to invest in get started. Sure… I guess you can get started with this amount, but the dividends that you will get paid off of a small investment like this will not even be pocket change. All of the people that he claims that have been making thousands of dollars per month would have had to invest large sums of money and bought lots of shares in order to receive such amounts. This is some very important information that he leaves out, because of course he wants to lure in as many people as he can.

What You Are Really Getting Into Here

At some point you are probably wondering why this guy is revealing this amazing, or at least what he leads you to believe this amazing, investment opportunity to the public.

He claims that he is going to send you a copy of his ebook on how you can collect these Federal Rent Checks for free, but why would he be doing this?…

There has got to be a catch, right? After all… There is always a catch. Nothing like this can possibly be free.

And sure enough… If you made it through the agonizingly long video presentation all the way to the end, you would have realized that there is a catch. The catch is that in order to get this free e-book you first have to subscribe to The 10 Minute Millionaire Insider, which is the point of this entire ridiculous teaser.

The purpose of this whole "Federal Rent Checks" teaser is to lure people in with some amazing free offer and then get them to subscribe to the investment newsletter The 10 Minute Millionaire Insider.

What Is The 10 Minute Millionaire Insider?

This is he an investment newsletter edited by D.R. Barton Jr., it was a New York Times best-selling author. The newsletter is published by Money Map Press, which is also the publisher of several other rather "shady" investment newsletters, being similar to financial investment publishers like Agora Financial.

The reason is called The "10 Minute" Millionaire Insider is because you can supposedly make tons of money within just 10 minutes of your time, potentially millions of dollars.

This investment newsletter is based on a methodical system that Mr. Barton created around a set of algorithms that screens thousands of stocks every day, stocks from all market sectors. What it does is looks for "extremes" that are rare investment opportunities. Or at least this is what is stated on the official website.

Basically this provides you with good trades that he and his system have identified and all you have to do is execute the proposed trades. As an insider you will also receive alerts specific to any recommendations made, not only when you buy, but also when you sell if you were recommended to buy a particular stock in the past.

The price of this all is either $39 or $79 depending on what subscription package you choose to purchase.

But is it worth the price? Is the investment advice provided really that great? Well… I did a lot of digging around trying to find real reviews from real subscribers of this newsletter, but really couldn't find all that much information.

One source of reviews that I found was on the investment website Stock Gumshoe, which doesn't paint a pretty picture. Based on 36 votes, this newsletter has an overall rating of 1.9 out of 5 stars… Which is pretty crappy…

Shady Business Practices

There are obviously a lot of shady business practices going on here. The sales pitch is very misleading and a lot of people are lured into this opportunity that really should not be getting involved in the first place… But of course it is all about selling subscriptions so the people behind it that really care about your financial situation.

What I mean by this is that many people out there do not have enough funds for investment to really make this worthwhile but the people behind this teaser do not make this information known.

And besides the ridiculous teaser, it comes as no surprise that this place seems to suck every penny out of their subscribers. One review that I found, which I think it's worth showing, is from a guy claiming that the use the old "bait and switch" tactic to keep you paying more money…


Another big red flag is that there are no refunds. Why would there be no refunds for a simple newsletter like this? After all, the only thing being sold here is information. It is not like they are sending you a car which would make it refunds very difficult.

But anyways… There are not any refunds and the reason for this, although unknown, is likely because if there were refunds this place would be out of business because too many people would be trying to get their money back.

Quick Recap

Okay... This was quite a lengthy review so I think it deserves a quick recap to help bring everything into perspective and sum everything up.

Federal Rent Checks is presented as an easy way to collect monthly checks, just by signing up to some "distribution list" and that's pretty much all. However, the somewhat hidden truth is that these "Federal Rent Checks" are really just dividends being paid out by REITs.

Much of the information given is extremely misleading and some of it is even a complete lie, such as the many pictures shown from people who have supposedly been making tons of money collecting these checks. And these lies, of course, really make me question whether or not you can trust the people behind this opportunity.

Later we find out that this whole "Federal Rent Checks" teaser is just to lure people in the end get them to subscribe to D.R. Barton's The 10 Minute Millionaire Insider investment newsletter. Looking into this there wasn't all that much information to be found, but based on the limited reviews I was able to find it seems that many subscribers are not too happy with what they have been getting.

Conclusion - Scam or Not?

Whether or not you want to call this a scam is up to you, but I am not going to call it one. I understand that the people behind this really like to deceive people and trick them into subscribing to the newsletter, but there is still some value being provided here. So maybe I should say that, while it could be called a scam, it is not a complete scam.

That said, this is definitely not something that I'm going to be recommending and I am sure you are probably of the same opinion at this point. Why would you want to subscribe to an investment newsletter that is marketed in such a misleading way and that have such a poor reputation? There are much better options out there if you have money to invest.

Anyways… That is all I have for you here today. I hope you enjoyed my honest review and found it helpful. There are a lot of people that are probably subscribing to this newsletter right now that really do not know what they're getting themselves into. The purpose of this review is to help spread the truth and keep people from subscribing to this that shouldn't be subscribing.

If you have any questions or comments please leave them below. Also please do share this post to help spread the truth 🙂


Is Alpha Contracts a Scam or “Legally Guaranteed Income”? [EXPOSED]

Can you really "lock-in" $52,000 with these "Alpha Contracts"? Or is this just one big scam? Is Alpha Contracts a scam??

If you came across the teaser for this investment opportunity and are a bit suspicious of what is going on here, then you are in the right place. I came across this opportunity recently and knew that I had to investigate… Things just sounded a little bit too good to be true to me.

He claims that "alpha contracts" are the best kept secret in finance and that will on Wall Street have been using them for years… Making loads of money but leaving the general public in the dark. In fact, he even claims that Warren Buffett makes billions of dollars from opportunities in the same realm as these alpha contracts.

You are even told that Pres. Trump is using alpha contracts to amass a fortune…

But of course this is all a secret… He claims that no broker will ever mention anything about these contracts or recommend them, nor will the mainstream media. Apparently they don't want you to know about them, but he does because he is just such a nice guy.

But is any of what you are told here actually true? Well… There is some truth to it, but unfortunately much of what you are told is either very misleading or a lie. Throughout the rest of this review I'll be exposing this opportunity for what it really is, which is different from what you are led to believe.

Alpha Contracts Review

Maybe you came across the written letter for these "out for contracts" or maybe you came across the video presentation, either way doesn't really matter… They are both equally misleading. I, for one, watched the ridiculously long video presentation with Matt Insley, a publisher at Agora Financial, as the spokesperson.

The the video starts out with him talking about how he is going to show you "live" some guy "locking in" $52,000 of "legally guaranteed income checks".

He then fast forwards and shows you some of the money he helped this guy, who is an unemployed HR worker by the way, "lock in". Some of the prophet he shows includes $12,995 "locked in" from Ford Motor Co.…

It's a bit strange that he is supposedly going to show you "live", yet he already has screenshots of the money he helped this guy "lock-in"… As if he has fast forwarded to the future and returned to the present. It makes no sense.

But anyways… It sounds awesome because this was all done in less than five minutes according to him…

How does this all work? 

Well… He claims it has nothing to do with buying shares of companies, selling option contracts, or collecting dividends. It is all about tapping into these "alpha contracts", which are really just a name that he made up because they do not exist and you will not find any information on them searching online.

I'll be going over what these "alpha contracts" really are in a bit, which is really nothing all that special.

He claims that this is all a "little-known" "loophole" but this is far from the truth.

The opportunity is really over-hyped, with him going on to say it is "unlike anything you've ever seen"… As if it is some new magical opportunity that is opening up to a select number of people.

And right on Que, of course it is super easy and all you have to do is follow three steps:

1) Login to brokerage account

2) Click on the asset class known as "blank" (leaves out what the asset class is called)

3) Fill in "Alpha Contract" number

So obviously this all sounds a bit too good to be true. I am guessing you are thinking the same judging by the fact that you are doing a little bit of extra research and reading my review now. The truth is… It is too good to be true, much of it being untrue as I will go over below.

Lies You Are Told

Bare with me for a second here… There is a lot to go over and I first want to show you some of the lies you are told before jumping into what these "alpha contracts" actually are.

#1 - The People Who Supposedly Have Made Money With This Are FAKE

Throughout the teaser he shows you all these people who have supposedly been making tons of money with these alpha contracts, such as Jeff D from Milwaukee, Andrew O from Phoenix, and the Stephen S from Austin… Some of which are said to be making what you could consider full-time salaries from these mysterious contracts…

But of course you can always trust what you are shown online, and in this case what you are shown is all fake.

I had my suspicions that these were fake, so I decided to run reverse Google image searches for some of the people shown here. As you can see below, "Jeff D" from Milwaukee's picture is on many different websites. I couldn't find exactly where it came from, but this suggests that it is probably a stock photo…

And then there is Stephen S from Austin. This picture I found the source of, which is the stock photo site As you can see, this guy's face was cropped out of an image of he and his wife…

So if the images are fake, are the stories about these people are earning tons of money with these alpha contracts also fake? I mean it is possible that the stories are real, but the pictures are fake in order to keep the real people's identities hidden… Maybe they did not want to be shown publicly, but this definitely casts doubt.

For all I know, the stories in their entirety are completely made up.

#2 - The "Live" Demonstration Is NOT Live

He keeps telling you that he is going to show you "live" proof of helping some HR director "lock in" $52,000.

In the video presentation he supposedly met Brian, the HR worker, in some building lobby across the street and invited him over to test out these "alpha contracts".

Now the video is definitely not live because you can pause the video whenever you want and watch it whenever. You can also access the website and go back to a day later, but it will still be telling you that this is "live". It also appears that the video is completely staged, but you can form your own opinion of this.

Anyways... In the video he shows Brian how to go to his brokerage account, go to the page where you can place trades, type in the alpha contract number, and BOOM… He "locks in" over $12,000 in income checks just like that, then proceeds to do it again and again and "locks in" $52,000 in under five minutes.

#3 - This Offer Does Not End When They Tell You

When I was on the website, is specifically stated that this opportunity would end on "Sunday, September 30 at midnight". I was suspicious of this actually being true, so I decided to wait and see. After all, it was Sunday, September 30 when I first started investigating this and all I had to do is wait until the next day to see if this was really true.

Sure enough… It was a lie.

The next day I refreshed the page, which still said that it would end at midnight of September 30, but at this time it was now October 1, as you can see from the screenshot I took below of my computer screen…

This was pretty early in the morning when I took the screenshot, at 6:30 AM, so I guess I got to it before them. They probably have to update the deadline to a later date, which isn't really a deadline to begin with.

I see this sort of thing all the time. It is just "false scarcity" and is used as a marketing tactic to get people to buy in as fast as possible.

What Are "Alpha Contracts" Really?

Okay... Let's get to the point here… What you all have been waiting for… What the heck are "alpha contracts" really". He leads you to believe that these are some "secret", but they actually aren't at all.

This "alpha contracts" opportunity is supposedly open to the public all thanks to Zach Scheidt, a chief income analyst at Agora Financial.

One of the first hints that you get to what these contracts really are, is when you are told that they are an "alternative way for companies to raise money".

Alpha contracts are really just corporate bonds. That's right, corporate bonds, which is when you just lend your money to a company with the promise of a return, which is the "legally guaranteed income" part that he has been talking about.

Alpha contract = corporate bonds

In particular, he is probably talking about junk bonds judging by the insane amount of income he is showing people earning.

How This Works

With corporate bonds, you will usually receive a fixed income during the duration of these bonds, which are usually paid out biannually.

As an example, if you buy a $5,000 bond with a 5% coupon and a bond maturity of 10 years, you will get $250 per year for 10 years and at the end your $5,000 will be returned.

And because I have reason to believe these "alpha contracts" are really "junk bonds", you could also make money when principal amount is paid back at the end of maturity, since you can potentially buy these at less than the principle amount in the secondary market.

If interested, you can learn more about junk bonds on Investopedia.

Low Risk?

He does mention that there is risk involved, but throughout the teaser he definitely makes it seem as if this is something you do not have to worry about at all. Makes it seem as if you can "lock in" profits so easily.

If you are familiar with junk bonds then you know this is not true, and even if you aren't familiar with them… You probably got the hint by their name "junk" bonds.

Junk bonds are not your typical bonds… They are… Well… "Junky".

But really, junk bonds can potentially be a very dangerous game. You can potentially earn more from junk bonds because of higher interest rates, but there is more risk involved. With junk bonds you are lending money to a company that is usually heavily indebted and if the company defaults on the bond, you are screwed.

With risk comes reward. There is the potential to make more money with these junk bonds than your average bonds, but there is also much more risk involved. Of course the spokesperson, who I mentioned is Matt Insley, claims that Zach Scheidt and his advisement team will be only providing you with the best recommendations, but it still can be a gamble at times.

What You Are Getting Into Here

As you listen to the video presentation, or read the written letter, you probably started to wonder what the purpose of all of this is… Is there a hidden agenda here or are you going to have to pay for something?

Well... Yes you are going to have to pay for something.

You get a free blueprint to buying Alpha contracts, called "Alpha Contracts: The Insider's Guide to a Six-Figure Income". This is the free report by Zach Scheidt that supposedly reveals seven amazing alpha contract opportunities.

But in order to get access to this free blueprint, you have to subscribe to his Contract Income Alert newsletter, which is the point of all of this.

With a subscription to Contract Income Alert, you get videos, reports, insights and even "a brand-new laptop… completely free", but I will talk more about this later.

With a subscription you will get the following:

  • Weekly updates - You Will get weekly updates on what is going on with "alpha contracts" and what you need to know
  • Monthly recommendations - Alpha contract recommendations will be made each month
  • The Insider's Guide - You get the short guide to getting started with alpha contracts that I mentioned above
  • Video series - There is a video series consisting of seven videos that is also designed to help get you started right away
  • Portfolio updates - Zach and his team keep a portfolio of all their recommended alpha contracts, which you will be updated on each month
  • Laptop - And of course you get the "free" laptop that I said I will talk more about

The Cost.. WOW

At first your jaw might have dropped when you saw the price. He claims that he is going to show you how to "lock in a six-figure income for just $2995"…

However... Of course he is going to give you a much better price because he is such a nice guy. If you proceed to the checkout page, you will see that a full year subscription for the Contract Income Alert is "just" $1250… Still obviously a heck of a lot of money…

Is Free Really Free?

Is free really free here? I mean he tells you that you are getting this free computer, but you are paying $1250 for a digital subscription… Which really doesn't cost even a fraction of that for the team behind it.

There Are No Refunds!

One thing you should definitely be aware of before deciding whether or not to subscribe to this advisement service, is that there are NO REFUNDS. If you had made it through the entire agonizingly long sales video, or read the ridiculously long written letter, then you probably already know this.

But why is this? I mean I think it is ridiculous... Why wouldn't there be any refunds? After all… You're just getting a digital service. The laptop is getting sent to you, but you could easily send that back.

In my opinion, which might not be right, they are probably getting out these "free" laptops just as a way to make it seem a more realistic that they can't except refunds.

A "6-Figure Income Guarantee"??..

You may remember the mention of a "6-figure income guarantee"… But what does this guarantee actually mean?

Well… It certainly doesn't mean that you are going to be earning six figures from the advice of this newsletter, which it leads you to believe.

They basically are saying that you have the potential to earn a six-figure income from the advice given, but this doesn't really mean much at all. They have no idea how much money you have on hand to put into these corporate bonds, a.k.a. "alpha contracts".

Take this as an example: you could invest $1 million and make $10,000 off of 10% gains. But if you invest only $10,000 in this same scenario, you would only make $100 in profit.

So the amount you put in obviously makes all the difference in the world… And they have no idea how much you have on hand to put in. Saying that this will give you "the chance to lock in a six-figure income over the next year" is just a bunch of misleading BS and really means nothing at all.

Deceptive Marketing At It's Finest

Overall, this whole "alpha contracts" thing is a great example of deceptive marketing. Much of what you are told is either extremely misleading or a lie.

You our lied to about the people, such as Jeff D from Milwaukee, who have supposedly been making tons of money with these alpha contracts; you are misled on the entire "alpha contracts" thing… They could have just referred to them as junk bonds as they are; even the information given about the "free computer" is very misleading. He talks about how this is some top-notch computer with a fast processor that "quickly launches apps", when in reality it has an Intel Celeron processor, which is the worst of all the Intel processors… The slowest of them all.

And of course the whole deadline thing was a complete lie as well, as I showed you above.

This opportunity is promoted as a incredible opportunity, and is directed at the conservative crowd of people, but it seems that this is more of a money sucking scheme than anything. Are they really trying to help out the hard-working Americans, or are they just trying to get your money?

The Company Behind This

Agora Financial is the company behind this all, so it is not really all that surprising to me. This company is well known for different financial publishing's that are promoted in deceptive and misleading ways.

There have been many different teasers I have reviewed over the years that are very similar. Some that come to mind include "Trump Bonus Checks", Ultimate Retirement Loophole, and 1-Minute Windfalls.

Besides this company being behind other similar teasers, they also have a long list of complaints from customers, mostly stemming from being overcharged for subscriptions, being charged after they canceled, being charged when they didn't know they were supposed to be charged, and so on.

Conclusion - Scam or Not?

I'm going to leave the answer to this up to you to decide. Obviously this entire opportunity is marketed in a very "shady" way, but is it a scam? Many would say so, including myself, but of course this is just my opinion.

While it is marketed in a deceptive fashion, the Contract Income Alert subscription service that you are being funneled into is a legitimate financial advisement service. That said, I do not know how good the track record of the service actually is so I cannot personally recommend it, nor do I trust it very much based on what I have uncovered.

But anyways… I hope you enjoyed my review and found it helpful. Please share this post to help spread the truth to others if possible. Also, leave any comments or questions down below and I'll get back to you as soon as I can 🙂


Trump Bonus Checks Scam – They Are NOT What You Think!

Is this "Trump Bonus Checks" opportunity the real deal… Or is this just a big old scam? Can you really earn checks for "as much as $4280… $6344… and even in exceptional $8181 per month"?

When I first came across the teaser for these Trump Bonus Checks by Mike Burnick I thought for sure it had to be a scam. It just did not seem realistic and sounded a bit too good to be true. Sure enough… It was too good to be true after thoroughly researching this investment opportunity.

In this review I'm going to be exposing what I found to the public. As you are probably suspicious of, this investment opportunity is not nearly as amazing as Mike leads you to believe it is. While you definitely can make some money, most of what you are told is at the very least misleading.

"Trump Bonus Checks" Review

The teaser for these "Trump Bonus Checks" starts out with talk about how Trump appeared on the Oprah show every 30 years ago and claimed that he would help all Americans boost their income, which he is supposedly now doing with these checks… Or at least that is what you are led to believe.

You probably came across this opportunity via the video presentation or maybe the long written letter, but it doesn't really matter… They are equally as misleading.

Mike Burnick is the spokesperson behind this whole thing. Who is he? Well… Believe it or not, he has quite a good background he can rattle off. He has been managing money for years and was able to produce insanely large profits even in the 2008 financial crisis. He is also a contributor on FOX Business news, Bloomberg, etc. He does indeed have a good history and knows what he is talking about, HOWEVER… This does not change the fact that this whole "Trump Bonus Checks" teaser is mostly a bunch of BS.

You are led to believe that there is some "list" that you can put your name on to start collecting these checks. And all you have to do is remove your name from the list, which will then stop the steady flow of checks to you… Sounds pretty awesome right?

He then goes on and on about how these checks have nothing to do with the government or Social Security and how you can claim as many of these checks as you want. As he puts it… These checks are all to some "$5 Trillion Trump Heist".

How can you get in on this opportunity? Well of course it is only three simple steps…

3 Simple Steps:

  1. Set up your account
  2. Pick how many "Trump Bonus Checks" you want
  3. Collect your checks

... Or at least this is what he tells you. However, as I will go over now, much of what you are told is a bunch of baloney.

Lies & Misleading Claims

#1 - October 16th Deadline

Lets first talk about this deadline… Which at the moment is October 16. He claims that this is supposedly the next big payday and you need to get in before this date comes, although he doesn't tell you will why this is necessary.

I have seen this type of thing 100 times before. After October 16 comes and goes the date will be changed to a later time… In the process will repeat itself. In fact, I actually found in older review that stated the deadline used to be May 14. So it already has been pushed back at least once.

That said, there is some truth to this "deadline" as I will explain a bit later in this review. That said, there is no doubt some shady marketing going on here.

#2 - "Trump Bonus Checks" Have NEVER Been On The News

This entire teaser has been created to appeal to the more conservative audience, so of course he bashes the liberal news media a bit, claiming that there has never been a single article about these checks coming from the liberal media…

However... There is a problem here. In that problem is that "Trump Bonus Checks" have NEVER been featured on the media… Neither liberal nor conservative media.

I'll even show you. I did a quick search on the Fox News website and as you can see there is absolutely no relevant results that came up…

#3 - Fake Quotes

Something else that is worth mentioning is that much of the quotes that are shown are not actually real… They have been tampered with.

For example, if you watch the video presentation you may remember this quote that appeared on the screen from Tim Cook…

This quote is not completely true. In fact, I cannot find any mention of these bonus checks in Tim's original quote. This quote was probably taken from the original quote as shown here:

And the same goes for just about all the other quotes that were shown. No one is actually saying "Trump Bonus Checks".

What Are "Trump Bonus Checks" Really?​​​Okay... So by now you probably are wondering what the heck these bonus checks really are. Is there any truth to them?

Well, I guess there is some truth but they are probably not what you would expect after listening to what Mike Burnick tells you.

All these checks are that he keeps talking about our dividend payments. Yes… You heard me correct… Dividend payments, which are a portion of the company profits that are sent out to shareholders, which you probably are well aware of.

There is no secret… This is not something that is "inside information"… It's just dividends.

But why the heck is he calling these "Trump" bonus checks? Well… This is because of the new tax laws that have been put in place by the Trump administration. For a long time now companies have been stuck with "hoards" of cash overseas… American companies that don't want to bring it back to the US because of how high the taxes have been. The Trump administration has decreased these taxes and because of this American companies are able to bring more money back to the US.

It it is expected that dividends from many of these companies will increase and you should also be able to expect to see them buying back stock in the companies… Which is all good and dandy, just not really what you might expect after listening to the sales pitch.

Why do you have to get in before Oct 16th?

Now let's talk about this "deadline" a bit more, as I said I would.

He is likely telling you that there is a deadline because of the next dividend date for his recommended investments. If you get in later you will have to wait until the next quarterly dividend checks are sent out. So while it might be advantageous to get in before the day, it is definitely not crucial and you don't really have to worry about missing out on something huge.

Can you really bring in $4,280,  $6,344... and even $8,181 per month?

Okay, so now we know that these "Trump Bonus Checks" are really just dividend payments for shares of the company that you hold.

While it is possible to get these checks of up to $4280, $6344… and even $8181 per month… As he tells you… It is absolutely ridiculously unrealistic. Sure, it's possible, but definitely do not count on anything even close to this per month. And I'll explain why with this example…

Example #1:

I'll use AT&T Inc as an example because they are a company who has an upcoming ex-dividend date of Oct 16th. 

Right now the next ex-dividend rate is sitting at $0.33 (courtesy of If you are going to make $8,181 per month from dividend payments here, then you will need to make $24,543 quarterly, which is when the dividends are paid out. And in order to make this amount you will need a whopping 74,000+ shares in the company!

Since shares are selling right now at $24.97, you only need to invest a little over $1.8 million... and everyone has this kind of money just laying around right?

Example #2:

Another example I will give you is that of Graham Holdings Co, which also happens to have an ex-dividend date of October 16 and has the highest dividend payout per share at of any other company I could find for this date... at $1.33.

So let's take a look and see what it would take to make $8181 per month investing in a company like this…

With a dividend of $1.33 per share, and with $8181 per month equaling $24,543 quarterly, you would need a little over 18,000 shares, which is much less than the first example I gave. However, the shares are selling at $577 as I am writing this, which would mean that you would need right around $10.6 million to invest in order to get checks for $8181 per month… Not too shabby, am I right?

But seriously... look how ridiculous these examples are. If you want to make the kind of money he claims you can make with these "Trump Bonus Checks" then you would have to invest millions of dollars.

True, I don't know if AT&T Inc and Graham Holdings Co actually some of the stocks he is going to be recommending, but any example you can find is absolutely ridiculous.

I mean, it is possible to make this kind of money but it is definitely not realistic. Who the heck has over $1 million sitting around and is currently reading this? If anyone falls into this category than I would love for you to comment below, but this is obviously going to be a category of very few people.

How They "Get You"

If you read much of the written letter or watched much of the video presentation for these bonus checks, then I bet you are probably wondering what the purpose of providing such information is. There has to be a catch here right? I mean why else would Mr. Mike here be sharing this amazing information with the public? Does he really just want to help us out or is there a hidden agenda here?

Of course we all hope that this is one incredible opportunity and that there isn't any catch, but unfortunately there is a hidden agenda here. The whole point of this sales pitch is to get you to subscribe to Infinite Income, which is his financial advisement newsletter.

Infinite Income is a monthly newsletter service that provides you recommended investment opportunities that have been fully researched by Mike Burnick and his team.

The 3 Steps to "Trump Checks" e-book along with some other bonus material is just used to lure people in two Mike's subscription newsletter service… Which isn't free by the way.

You have to sign up for a free trial of Infinite Income in order to get your free e-book on collecting these "Trump Checks" and if you forget to cancel then you will be automatically billed. Infinite Income costs $129 for a premium subscription or $49 for a basic digital subscription.

Now as a full disclosure, I do not know exactly how good the track record is for this Infinite Income newsletter, but I am definitely very hesitant to trust the advice given in it based on what I see in this absolutely ridiculous presentation put on by Mike Burnick.

Other Red Flags

Something else that you might want to be aware of is that Agora Financial is the company behind this newsletter publication. Why is this a red flag? Because Agora Financial has absolutely disastrous reviews… Many complaints.

In fact, I actually wrote a review of Agora Financial to help warn people about this place.

There are a lot of people claiming that they have been wrongfully billed for subscriptions and that they make it much more difficult to cancel than it should be. And of course there are a lot of people complaining about buying into something when they really didn't know what they were getting into… Which would be the result of an extremely misleading sales pitch such as this "Trump Bonus Checks" BS.

This is far from the first time I have ran into deceptive marketing tactics being used for promoting Agora Financial publications. Some other similar teaser promotions that remind me a lot of this one include Ultimate Retirement Loophole, 1-Minute Windfalls, $50 Pot Stock Blueprint and more.

Update: I just realized that this is actually pretty much an exact copy of "Cash For Patriots" that was promoted a while back. It is the same darn thing… And talks about how you can start receiving these free checks due to Trump's new tax code.

The difference is that the Cash For Patriots sales pitch lured people into Zach Scheidts' newsletter called Lifetime Income Report, whereas this Trump Bonus Checks sales pitch lures people into the Infinite Income newsletter by Mike Burnick… Both of which are publications from the wonderful Agora Financial company.

How Are They Getting Away With This?

I'm not a lawyer so I cannot really answer this question in much detail, but honestly I have no idea how they're getting away with stuff like this. This has become such a popular promotion that it is even being featured on conservative radio stations. Listeners listen in for good advice and are willing to trust these stations because they share similar ideologies, but when you see extremely deceptive advertisements like this being played on the stations… You might start to question their trustworthiness.

And another big question I know I am going to be getting is how they can use Trump's name like they do. And again… I really have no idea. All I know is that I have seen this sort of thing done plenty of times before and they seem to get away with it.

Conclusion - Scam or Fraud...?

I guess whether or not you consider this a scam or a fraud is up to you and really comes down to what your opinion of a scam or fraud is. One thing is for sure… A lot of people after reading this are going to include that it is indeed a scam.

There is no doubt that this entire opportunity is misrepresented in extreme ways. You are led to believe that you can simply sign up to some list and start collecting these checks, when the reality is very different. The only defense against this being called a scam that I can think of, would be that the Infinite Income newsletter you are forced into subscribing to, is a legitimate newsletter that can potentially make you some money.

The decision of whether or not to subscribe to this newsletter is all up to you. The purpose of my review here was to simply expose this teaser for what it really is… Which of course is nothing like you are told.

But anyways… I hope you enjoyed this review and found it helpful. Please share this post to help spread the truth!

You can leave any questions or comments down below and I'll get back to you as soon as I can 🙂 Also, if you are a member of the Infinite Income subscription service, I would really appreciate it if you left your own opinion of this newsletter down below, as I am sure it will help other readers.

Is Crypto Prophecy a Scam or Great Opportunity? – You Should Read This!

Crypto Prophecy Scam

Crypto Prophecy it is supposedly some “Control Panel” system that you can earn massive profits on in the cryptocurrency market. But is what you hear really the truth? Is this system really as amazing as you are told? Or is Crypto Prophecy a scam that you should just avoid?

After reviewing this system I would definitely say that the sales video makes it seem much better than it really is. Can you potentially make money with this system? Absolutely. Can you lose money with the system? Absolutely.

If you were possibly thinking about buying into this I would take the time to read over my review and hear me out beforehand. While I definitely wouldn’t consider it a scam like Crypto Cash for Beginners or Digital Formula, it just isn’t quite as good as it seems.

Crypto Prophecy Review

When you land on the Crypto Prophecy website you are greeted with a video presentation that starts out by telling you that “it’s your lucky day” and that this video isn’t available to the general public. You are led to believe that you are specially invited to watch this video along with some other people for a beta test group.

But none of that is true. Crypto Prophecy is available to anyone as far as I know and you haven’t really been specially invited. You probably got an email from someone telling you to try out the system or check out the video which you are probably hesitant to click on in the first place.

But anyways… The system was created by a woman named Susie who goes by the name of crypto girl and crypto chick apparently. She tells you that she has some “profit Control Panel” that allows you to get a piece of the $360 billion market cap, and it is the cryptocurrency market that she is referring to. She goes on to tell you that she is selling this system because it is a partnership that both her and you benefit from, but even after completing my review, I fail to see how this is a partnership in any way.

What You Get

If you buy into Crypto Prophecy you will get some video tutorials for buying/selling cryptocurrency along with the control panel that she tells you about, which shows you what to buy or sell and when to buy or sell it.

In addition, if you pay more, you can get personal trade recommendations from her. There also live webinars on Wednesdays in which you can ask questions and get answers.

Who Is Susie?

As mentioned, she goes by the name of “crypto girl”, at least on Facebook. She is fairly popular on Facebook and has around a thousand followers. The reason people follow her is for investment advice on cryptocurrencies.

So yes, she is a real person and she does at least know some of what she is talking about, but is this product really worth purchasing? Well… There are a few red flags that I will go over what you should be aware of. First off… The video presentation is misleading at times.

Misleading Video Presentation

In the video presentation she shows you a bunch of charts of cryptocurrencies that have skyrocketed in price. However, she does not show you the full picture.

For example, she showed a screenshot a price chart for the Linda coin but only showed it up to its peak. She did not show the downtrend that followed, which you can see below is 10 times lower.

There do seem to be a lot of people who of made money from following her advice, but these examples are coming from, what I can tell, the end of 2017 and early 2018 when you could make money on pretty much any cryptocurrency investment you made. The entire cryptocurrency market was booming and you could pretty much throw your money in anything and get a profit.

While you could have turned $10 into over $4000 (as she tells you), there haven’t been opportunities like this in a long time… Very very few if any. The example shown in the video presentation are old and come from when the big boom was going on. This was basically a bubble at the end of 2017 and early 2018 that popped and still has not even come close to recovering.

You can see from the screenshot I took below, at the peak of the cryptocurrency boom the market evaluation was that $831 billion and currently, as I am writing this, it is at $214 billion… That is around 1/4 what it was and there still are not really any good signs of it recovering.

Something else I notice is that she keeps mentioning that you can get a piece of the “$360 billion pie”. I’m not sure if the video presentation was filmed they while ago and is old, but the cryptocurrency market is not valued anywhere near $360 billion currently.

Not The Best Advice

One thing that really bugged me in the video presentation is that she keeps showing how she sold bitcoin for all this money using Coinbase, which is probably the most popular cryptocurrency exchange out there.

The reason this bugs me is because Coinbase is an absolutely horrible exchange to use when trading cryptocurrencies. This is NOT what you want to use unless you love getting charged high fees and paying a bunch of money that you don’t need to pay. You could easily use other exchanges, such as CoinbasePro or Gemini, and not even pay close to the amount of fees as you would when using regular old Coinbase.

So I’m not sure what the deal is here. Why is she using Coinbase? Does she not know that there are better exchanges out there? Or maybe is she just using Coinbase so that she can get referral bonuses when she refers other people to join Coinbase (they give $10 referral bonuses)?

I don’t know what the deal is but I don’t like it.

Does Her Control Panel Really Work That Great?

This “Control Panel” is said to tell you exactly when to buy and when to sell for massive profits. She says that it is so good and the timing is always perfect…. That is like winning the lottery, which I am very hesitant to believe.

Supposedly it runs a feed of current market information and picks the best trade opportunities… Doing all the research for you. However, based on what I have found,. Of course you want to buy low and sell high, so the coins that have dropped in price are listed in green on the control panel as good coins to purchase.

This is all it does as far as I know. Anyone reading this can correct me if I am wrong, but as far as I see this does not look like anything special by any means. In fact, it seems pretty crappy. It does not take into account what the coin actually does, whether or not it has been pumped, whether it has a realistic future, the team behind the project, etc.

Real Example From Crypto Prophecy…. FAILURE

There was a YouTube video that I watched from a guy who purchased Crypto Prophecy and I took a screenshot of what the control panel was telling him to do. As you can see, the coin “Dropil” it is listed in green. This green indicates that this is a coin you should buy. The ones in red are coins that have already went up in price and that you do not want to purchase.

The Control Panel is saying to purchase Dropil at $0.0043 as you can see…

Well that was a couple of weeks ago (at the time of me writing this) and now Dropil is still going down in value. Now it is that $0.003…

So what to do now??? I guess now is just a waiting game and I guess you have to pray that this coin does not go down any further, which it very well could do.

I’d Always Recommend Against Something Like This

She makes it very clear that this system does all of the research and hard work for you, but I always recommend you do some research on your own. I definitely wouldn’t recommend purchasing a coin based on what this Control Panel tells you since it seems to really not take all that much into consideration.

The Problem I See & Why I Don’t Recommend This

This system seems to only be relying on whether or not the price has went up or down in order to make a call on whether to buy/sell. This strategy could have been very profitable during the cryptocurrency boom that I talked about above, but not so much anymore. Plenty of cryptocurrencies have went under in pretty much vanished from the face of the earth. There have been times of people that have lost tons of money in the cryptocurrency market and this is not the incredible opportunity it was back in late 2017.

I have been trading cryptocurrencies for about eight months now and to be honest the market is pretty crappy right now. I still have hopes that it will bounce back, but only time will tell.

Final Thoughts

I’m sure that crypto girl (Susie) has made a lot of money in cryptocurrencies, as she says she has, but pretty much everyone has who got involved early on. Just because you made a lot of money in cryptocurrencies definitely does not mean you know what you are talking about. There are plenty of idiots on YouTube that share investment advice and really have no clue what they’re talking about… They just got lucky.

Now I’m definitely not saying that she has no clue what she is talking about, but I will say that a lot of her investments or ones that I would not have made myself and ones that I do not consider very good.

I would love to see her performance over the last several months… Besides that of the crypto boom because everyone made money back then. If she is still making incredibly accurate and profitable trades in the current market state, then this would be impressive. But I see no proof that she is.

So anyways… You can bind to this product if you want to, but it is not something that I am going to be recommending, nor will I be purchasing it myself. It just doesn’t seem all that great and the trade recommendations that it makes seem to be pretty horrible to me… Which means you will lose money.

I hope you enjoyed this review and found it somewhat helpful. Please leave any comments or questions down below and I will get back to you as soon as I can 🙂

Is the “Ultimate Retirement Loophole” a Scam by Joe Schriefer – EXPOSED

Ultimate Retirement Loophole Scam

Is Ultimate Retirement Loophole a scam?

The “Ultimate Retirement Loophole” is supposedly some incredible new investment opportunity that anyone can make an extra $2000 per month with, bare minimum, with just a few simple clicks of a mouse. But is it really all that it claims to be?? OF COURSE NOT… Which is why I am writing this review here and now.

I in guessing that you were suspicious of the get-rich-quick and easy sales pitch which is why you are doing a little bit of extra research and reading my blog now. And it’s a good thing that you did take the extra time to do some research. If you would have bought into this following the misleading and rather deceptive sales pitch, you would likely end of discouraged and disappointed.

In this review I’ll be going over what you are really getting yourself into here in the truth of the matter at hand, which you need to know.

Ultimate Retirement Loophole Review

The sales pitch that Joe Schriefer throws at you for this new “Ultimate Retirement Loophole” is something that should make anyone suspicious. Things just seem too good to be true and when this is the case, they usually are.

He claims that you can make an extra $2000 per month, bare minimum. In fact… He claims that “with absolute certainty” this is the easiest way to make an extra $2000 per month. And what is really crazy is that he is so confident you will be able to make this much he guarantees it. However, he uses some tricky wording here and then goes on to say that him and his team guarantee you will be shown how to make an extra $2000 per month… But you aren’t actually guaranteed to make that amount.

And of course…. If you want to get in on this opportunity you have to hurry. He says that he doesn’t know how long he will be allowed to keep the video presentation up online, as if someone is after him trying to take it down. This is just good old-fashioned false scarcity… Trying to sucker people to buy in as fast as possible. But there’s no truth to this

The Sales Pitch Is Ridiculous To Say The Least

I’ve reviewed many different investment opportunities like this with ridiculous sales pitches, but this one definitely ranks at the top for one of the most ridiculous.

At one point in the video presentation Joe goes out in the neighborhood to supposedly find some kids that he can teach to use this method in just a couple minutes and make money with it. The purpose of him doing this is to show you how easy it is to make money using this incredible “loophole” method.

HOWEVER… It is pretty obvious that at least some of the video from this will scripted. For example, when he approached the father and children playing basketball you could tell that they were cameras set up ahead of time to capture everything…

But anyways… Joe had the one young kid type in the ticker symbol DIS, for Disney, into his online brokerage account simply because he liked it Disney movies. He then had him set a “sell to open” order and the kid made it $777.22 in just a few minutes by clicking the mouse a few times.

Super simple right? Can it really be as simple as you are shown?

Sounds Too Good To Be true.. Doesn’t It?

I’m sure your scam sensors were going crazy by this point. It can be that easy, can it? So easy that an eight-year-old boy can make money doing it in just a couple minutes?

The truth of the matter is that this is not nearly as easy as you are shown. There is no way that Joe would just let this kid pick a random stock in then make over $700 off of it… Just like that.

What you don’t know at this point in the video, but you may know now, is that this “loophole” that Joe keeps talking about is actually options trading. What you are doing here is trading options… Selling puts on dividend paying stocks.

The first thing that you should know is that trading options can be very risky and is certainly not something you just go out and do by picking a random stock. Second, many new brokerage places won’t even let new account owners trade options. Many of them you will have to apply to have the privileges to do such.

Risky To Say The Least

There is a reason most brokerage accounts won’t let you start trading options right away…. It can be very risky as I will discuss below.

Typical Misleading Salespitch

I’ve reviewed a fair number of investment opportunities, many of which are promoted in a very misleading and deceptive manner. The formula seems to be to create some stupid new name, such as “Ultimate Retirement Loophole”, say that it is some new secret discovery method that is going to make you rich, and of course you can’t forget to leave out that all it takes is a few clicks of the mouse.

Similar deceptive investment opportunities that I have reviewed include Freedom Checks and Kennedy Accounts.

Incredibly Misleading

Not Risky??? What a Lie

He says many times that it has “almost no risk” or “very little risk”, which simply is not true.

You or shown these people making money very easily, which is likely completely fake but could actually happen in real life, but even if it were true it would be very misleading.

You are told that this guy has somewhere around over a 96% success rate with the trades he calls, yet there is no mention of the risk or potential losses… Which could be astronomical if the trade goes against you and you are forced to purchase stock that you don’t even want and at a bad price.

You can do your own research on options trading if you want to, which I do suggest, and you will find that this is certainly not risk-free as you are led to believe.

You Don’t “Just Click a Few Buttons”

He makes everything seem so simple… Just click your mouse a few times and that is that. But of course it is not this simple. I mean I guess it could be close to being this simple if you would blindly follow his advice, but this is something I would not suggest.

Not a Loophole

There is nothing about this method that is a “loophole”. Options trading has been around for a while and from what I have found, what you are doing here is just normal options trading… Certainly no loophole involved.

This is just a little marketing stunt to try to make the opportunity sound better than it really is.

You Get a Free Laptop???

If you were able to sit through the painstakingly long video presentation then you would have also heard that you supposedly get a free laptop with this opportunity. How can they possibly just give out free laptop like this?

Well… The truth is that this laptop is not really free. You are paying for it and in a bit I will explain why.

This is the same marketing tactic that the “1 Minute Windfalls” opportunity used that I reviewed in the past… another ridiculously misleading investment opportunity.

What You Are Really Getting Into Here

The entire salespitch for this “Ultimate Retirement Loophole” is just a big lure to get you to buy into the financial newsletter called Income On Demand, which is edited by a guy named Zachary Scheidt and published by the Agora Financial company, which is well known for ridiculous marketing tactics such as this.

But as for the financial newsletter itself, I would not call it a scam. I I have reviewed some of Zachary Scheidt’s newsletters in the past and he seems to know what he is doing Ian does have a decent track record.

But anyways…the point of this all is to get you to subscribe to the newsletter which of course is going to show you how to capitalize on this incredible “Ultimate Retirement Loophole” opportunity.

What You Get With Your Subscription:

  • Email Alerts Each Week – Every Tuesday you will be alerted via email of new recommended positions to take.
  • 12 Monthly Issues of Income On Demand – These our in-depth issues that analyze the market and go into detail on new opportunities.
  • Starter Kit Video Series – Training videos shows you how to get started with this whole “Ultimate Retirement Loophole” thing.
  • Some special reports that you probably don’t want

The Cost

You might want to take a seat for this one… At a cost of $2000 for a one-year subscription. This is why I am telling you that you are not actually getting the laptop for free. That would be ridiculous. Instead, you are paying for the darn laptop with the extremely expensive subscription.

And you should also be aware that there is a no refund policy. They say that this is because they are sending you a laptop and because you have all you need to get a refund from the market…as in you will be able to follow along and make your money back with this method.

Or is the real reason because they don’t want to refund everyone’s money and know darn well that many people are going to be asking for a refund?

Final Thoughts – Good Opportunity?

I don’t really understand why Agora Financial’s publications always have to be marketed in such a misleading and deceptive manner. The newsletter itself seems to provide decent advice for making trades, but it is promoted in such a deceptive way that there is no way I would subscribe to it. I just don’t like how they sucker people into it.

They should present past statistics with how well this “loophole” has performed and let people buy in at their own well, without all the trickery going on.

But anyways… I hope you enjoyed my review and found it helpful. Hopefully you now have a better picture of what is really going on here and can make a better decision of where to go from here. Please share this post to help spread the truth because I am sure there are lots of people being suckered into this as you read this now.

Also, leave any comments or questions below 🙂

Is Oxford Income Letter a Scam? – What You Should Know

is The Oxford Income Letter a scam

The Oxford Income Letter supposedly gives you the ability to earn over $1000 per week passively… And all it requires is about an hour of time on your part each and every week a look. But is all this really true? What exactly is Oxford Income Letter and as of the amazing opportunity that it is said to be? Or is Oxford Income Letter a scam possibly that you should be avoiding?

These are all good questions and it is no wonder why you are asking things like this… The information that is out there on Oxford Income Letter can be a bit misleading and overly salesy. I’m guessing that you decided to do a little bit of extra research on this opportunity because it seemed just a bit too good to be true, and of course if something sounds too good to be true it often is.

In this review I will be going over what exactly Oxford Income Letter is, getting some background on the man behind it all, what you get as a subscriber, what other subscribers are saying about it, complaints and more.

Oxford Income Letter Review

The first thing that I want to talk about are the sales pages for this Oxford Income Letter, or OIL as I will be calling it. There are probably multiple different sales funnels out there that funnel people into buying a subscription for OIL.

One of the big promotions that I came across was for what he called “The Perfect Retirement Business”, which was quite in over-the-top sales pitch that was overhyped to say the least (reminds me of the “Freedom Checks” sales pitch). As you can see below, this opportunity was advertised as a way to collect over $1000 every week with less than four hours per week on your part…

Oxford Income Letter The Perfect Retirement Business

There are a bunch of different sales pitches out there, as I said, and basically what they do is take a different angle, or approach, to get people to buy into this OIL newsletter. Of course this “Perfect Retirement Business” sales pitch was put on for those that are worried about retirement and looking for other options.

What Is Oxford Income Letter?

In a nutshell, OIL it’s a newsletter that is put out by Marc Lichtenfeld that provides investment opportunities, particularly those that that pay out dividends.

The idea behind it is that there are tons and tons of different investment opportunities out there and if you don’t know what to look for then you are going to have no idea what to invest any and what not to invest in. Marc filters through the many opportunities and pics a handful of ones that he recommends.

I’m guessing you probably already know what dividends are, but if not… Basically they are when a company pays you for investing in them based on their performance. They are company earnings that are redistributed to the owners, which you will be considered as an investor.

Who Is Marc Lichtenfeld?

The Oxford Income Letter Marc LichtenfeldMarc is the chief income strategist for the OIL. He has a long history in the realm of investing, having worked as a traitor, Senior analyst, and even a fund manager.

He definitely has his fair share of knowledge when it comes to investing in is even written a few books, such as “You Don’t Have to Drive an Uber In Retirement” and “Get Rich With Dividends”. I did a little bit of research into these books to see what people are saying about them and found mostly good reviews. They are both selling on Amazon and are rated very well.

But anyways, the point of me talking about Marc here is to let you know that this guy knows what he is doing. He is not just some no-name that is trying to get you to follow his investment advice.

The Service That The Oxford Income Letter Provides

Marc claims that him and his team filter through tens of thousands of different investment opportunities each month and only end up picking a handful of them. Now whether or not this is actually true is unknown to me, I am guessing that this number is probably a bit exaggerated, but then again he does say that this is done using computer-based analysis and statistical modeling… Which sounds like they does have a computer program selects some of the better looking opportunities for them.

Mark uses a proprietary 10-11-12 System, was talked about in one of his books I mentioned above, Get Rich With Dividends. There is also a focus on free cash flow and relative valuation when finding these good opportunities to invest in. Free cash flow, or FCF, is just what it sounds like… It is the free cash that a company is able to generate. This is the cash that they have after you take out all the capital expenditures for buildings, equipment, etc. Relative valuation is also what it sounds like… Which is one assets that are closely related are compared to determine the underlying value.

What You Get As a Subscriber

The OIL can be broken down into three parts which are as follows:

Monthly Newsletter

The monthly newsletter is the main part of OIL. This is where Marc provides all the new investment opportunities that he recommends, based on a lot of research and analysis. This is what OIL is all about… Providing you with potentially good opportunities that exist out there so that you can take action.

Weekly Updates

The weekly updates are simply updates on the different investment opportunities that have been provided to you. If there is anything important that Marc and his team thinks you should know, you will receive updates on them.

“Email Blasts”  – urgent updates on new opportunities, the portfolios of the Oxford Income Letter, etc

Emal blasts or urgent updates that you need to know about right away. These could be on new investment opportunities, ones that you were already advised on, and so on.

One of the nice things about the OIL newsletter is that you are not just provided with investment opportunities and left at that. Marc and his team also managed portfolios based on the investment advice that he gives, see you can actually see how well the opportunities recommended are performing even if you don’t invest in them.

The Cost

The cost, right now as I am writing this, is $129 for a 12 month subscription. However, some of the reviews I have read claim that it was priced at $249 for a 12 month subscription. I am not sure what exactly is going on here but that is nearly a 50% decrease in price.

Was the OIL not getting enough new subscribers? Why would they lower the price by nearly 50%? 50% is a heck of a lot so either they are seriously in need of new subscribers or the subscription was massively overpriced in the first place.

Oh ya… And if you do subscribe be aware that this is set to auto renew each year… Meaning that if you do not cancel your subscription you will automatically be charged for the next entire year. This is one complaint that you will find from subscribers who didn’t really know what they were getting into.

What Other Subsribers Are Saying About It

Overall the talk from other subscribers is positive, although there are people on both sides of the fence.

Marc seems to provide good stock picks but of course not all are winners, no one can make perfect recommendations each and every time. That said, he does outperform the S&P 500 by supposedly a good margin.

A lot of subscribers say that he provides solid investment advice. I did a good bit of digging around and didn’t find anything that would make me believe otherwise.

Most of the complaints I have found stem from the ridiculous sales pitches that funnel people into buying Oxford Income Letter. This reminds me of other investment newsletter publications, such as True Momentum and Real Wealth Strategist. Why can’t these newsletters be promoted in a more truthful and less misleading manner? I have no idea.

Final Thoughts – Worth Your Money or Not?

So is OIL a scam? No it is not. Of course we all have our own opinions but in my opinion is definitely not. The only reason I could see for anyone calling it a scam would be due to the misleading sales pitches that they suck people in with.

Most subscribers seem to be saying that it was a good choice to subscribing and has been financially worthwhile.

Is it a good opportunity for you and should you subscribe? Well that all depends on your situation. You must know that you’re going to have to have cash to spend on these recommendations… And of course the more you invest the more potential profit you will get.

The sales pitch, such as the one leading you to believe that you will make over $1000 a week passively is absolutely ridiculous. The amount money you can potentially make directly depends on how much you will invest, and of course not everyone can invest large amounts.


I hope you enjoyed my review and found it at least somewhat helpful. If you have any questions, comments, or concerns, please leave them below and I’ll get back to you as soon as I can 🙂

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