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

Is Alpha Contracts a Scam

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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 123fr.com. 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 🙂


Also: I know it's a bit off-topic. But you may be interested in this list I put together of my top picks for making money online. People have been requesting it so here you go!

About the Author

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I hope you found this article helpful! I'm Kyle, the creator of this site, which is probably pretty obvious after seeing the name. Like most, I've had my fair share of difficulties and a pretty bumpy road while trying to find success online, which is why I put togetherthis guide so that others can get started right the first time around.


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  1. Could you tell me anything about a trainer Tim Skye’s. He teaches some stock training programs for a 6000. Fee to be at the forefront. Any ways
    The hanks in advance

    1. Tim is exactly the same kind of guy, using the same deceptive methods.
      Agora came to me through Tim’s subscriptions, and they make a nice pair. When they promote their Week-End deals… it all makes sense, except it needs insiders to pick the right one… which is how he sells his “secret” robot allowed only to him by the one who programmed it… and bla bla, bla bla… for a fortune.

  2. THANK YOU. I was skeptical but was about to give it a try. Then I decided to do some research and came across your document. I also wondered how much you would have to invest to make the returns they spoke about. Also this is now February 1, 2019 and they are still saying that the site be shut down at midnight.

    AND as for the HP chrome book, it sells for $179.00 on line.

  3. Thanks Kyle for providing this information to us all it was easier to get thru to the point than listening to the Alpha contracts video. So I didn’t, and you saved me much time and probably tons of money, not that I would of fallen for the scam but my time is very precious to me the one thing I have more of than Money. Thanks again.

  4. Kyle, THANKS for your INSIGHTFUL blog. When I research anything I always look for the converse/contrarian viewpoint for balance, like your blog here. Before my reply to your blog, my FAVORITE part is that unlike most contrarian viewpoints, you state this is YOUR OPINION based upon your research, unlike most scam reports that purport to have “sealed the deal on a scam” — so your honesty is appreciated! There are certainly many red flags in the droning sales pitch, but the worst to me is how they purposely avoided stating the new member would have to use their money to BUY an “alpha contract” — in ADDITION to their “severely discounted subscription fee” (yeah right!) which automatically renews (yeah right!), with NO ability to get a refund — which should be illegal!! Agora offers a plethora of “revolutionary lifetime income opportunities” via very expensive subscription fees, which either substantially increase in yr. 2 & beyond – unless the member pays a “1-time lifetime subscription fee” (usually 2-3 times the cost of the members initial fee). These kind of hard-sales tactics are why THEY have “guaranteed lifetime income”!! Thanks again & best of luck with your online business & fitness!!
    Bob

    1. Hi Bob. Thanks for the kind words. I’m glad I could help and that you appreciated my review. I agree with you… some of the promotional tactics should be illegal.

  5. I have been watching people trying to scam me for years , my problem is I,m not smart enoff to see it. Thank You for your input.

  6. thanks for the honest and insightful information for those of us who really appreciate the wonderful greeting and truth. Thanks for calling a cat a cat and a dog a dog and providing the truth. Thanks i

  7. Kyle,
    I heartily concur with your assessment of Agora Fiancial. Must be one of the biggest scams on the internet. All of their programs that I bought into have been worthless, and they continue to send me more marketing scam programs with bogus deadlines, etc. Glad I read your review of “alpha contracts”. Someone hopefully will figure out a way to put them out of business. Articles like yours at least provide the public with ways to “be aware” before being sucked in. I greatly appreciate your efforts.

  8. Thank you very much Kyle for taking the time to research and put this online .. I am guessing you just helped a bunch of people not loose their money

  9. Great job Kyle!
    and the same with “Laissez Faire Books” “Chose Yourself Financials” which are sister companies.
    Most probably to be put in the same trash basket iare “One Last Thing”, America Unsensored” which all came without subscription from me, and short after my Agora sub.
    Remains one question though… all those came from the so called guru, seen so much on TV: James Altucher.
    Any insight in him? how real is he?

  10. Hi Kyle. Thanks for your eye-opening expose of alpha contracts. Do you trust any of Zach scheidt’s other products, because I am seriously thinking about getting his buyout millionaire club newsletter. I mean, he says he has a 95 percent success rate when it comes to predicting stock buyouts. He’d have to be one sorry ass to lie about something like that! What are your thoughts? Thanks!

  11. Your descriptions and analyses pretty well destroy this product of Agora Financial and cast a dark shadow over any other schemes they may offer. My only suggestion is that you hire a college-level English major (or even a good high school student) to correct the many spelling and grammatical errors that disfigure your article.

  12. thanks a million for your advice, you blood is worth bottling. I wonder how many struggling senior retiree wishing just to augment the limited pension they receive fall victim to ruthless scammers like these. is there no consumer advocate? I should nominate you to be the commissioner.

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