Lenders who offer loans to people with bad credit are known as sub prime Lenders. Offering a loan to a sub prime borrower involves high risk, as the chances of default of the loan repayment are more. Sub prime lenders charge higher interest rates on their loans and can be recognized by this easily, as they do not advertise themselves much as sub prime lenders. Therefore to compensate for the high risk involved, Sub prime lenders charge interest rates that are higher when compared with conventional lenders.
Depending on the purpose of loans offered, there are many types of sub prime lenders such as sub prime mortgage lenders, sub prime auto lenders, sub prime credit cards lenders and sub prime personal loan lenders.
You can get personal loans from sub prime personal loan lenders if you have a damaged credit and in dire need of funds. Interest rates with Sub prime personal loans are high because of higher risk involved when offering loans to people with bad credit. Sub prime personal loans are a common form of home loans that are designed to help people with credit problems for buying a home. Most lenders offer sub prime personal loans. However, you have to be careful, when choosing a lender, as scam lenders are plenty in the lending market. Apart from the higher interest rates, watch out for certain other fees also. Your credit history will be thoroughly examined before considering for offering you a higher-rate lending. Sometimes the standards are relaxed when it comes to bad marks on your record and credit scores. People having a credit score of less than 620 apply mostly for sub prime personal loans. If your credit score is more than 620, you are likely to be eligible for loan with prime rates. People with dues on bills, bankruptcy or going for foreclosure are offered with plus prime rates.
You can find a local lender for getting a sub prime personal loan, who is specialized in personal loans. Some banks may not be offering sub prime personal loans, but they can refer to some individuals or affiliates or a finance company who offer such loans. Also ensure that the chosen company is insured with federal agencies. You can obtain references from family sources or friends about good lending finance companies. You can also get customer reviews about various lenders from online sources. Finally, make sure that your payments are manageable for avoiding debt compounding, before you sign any financial agreement. Some lenders may require your real estate or house for security purpose. The loan amount will be based on the available equity in your home. This is like making a second or even third mortgage. Such sub prime personal loans are offered typically at interest rates ranging from 7% to 19% while writing. If you still have no house or any other form of security, there are sub prime personal loans available at much higher interest rates, typically say about 30%! And also the upfront fees will be higher.
Try to avoid sub prime personal loans if possible as they are more expensive for servicing and moreover you can get into trouble with such loans. Use it only as a last resort for credit source and try to qualify yourself for prime financing in spite of your bad credit history.
Tuesday, June 17, 2008
Make Money Online - Latest Scam Disclosed
Before we start, I want to make it clear that this article is about scammers that affect people who make money online by selling digital products, like e-books, software, etc. and have a refund policy, because we have a rather long way until the end and, if you are selling physical product or you money online through affiliate programs that don't involve a refund policy it's probably just a waste of time.
In this article, I'll talk about the "refund policy scammers". Lately, more and more people started to talk about them on forums and came out with different solutions, which we will discuss in the second part of the article, "Make Money Online - Defend Against The Latest Scam".
"Refund policy" scammers, as I stated in the beginning, affect the people that make money online by selling digital products (software, e-books for e.g.). Now, you're probably wondering what their "modus operandi" is. Well, it's very simple. They just find websites that sell digital products and have a 100% money back guarantee, buy the product and then they tell you they want a refund because of crappy reasons, sometimes even impossible ones (they ask for a refund only minutes after they bought the product), but in the same time they keep the products.
More and more people who make money online with this kind of websites are complaining about these incredibly immoral scammers. You will find posts like: "I received this e-mail just one minute after they bought my e-book: "I am really disappointed about your e-book, I read it and it doesn't say anything new for me. Please give me a refund." And my e-book contains 80+ pages", "I am sorry but your script doesn't show me any results. Please give me a refund." I received this e-mail just one day after he bought and my script usually shows results after about 30 days "
Now, you're wondering: "Does this affect my make money online business?". You bet it does. Some time ago, it wasn't such a big problem, because only few people did it. But, nowadays, more and more people are complaining about these scammers, indicating that this refund policy "virus" is spreading quite rapidly. Today, we can even talk about professional refund policy scammers, who put up lists of products worth thousands of dollars and do "their thing". And this is nothing. Some of these scammers have an incredible nerve. Not only that they scam you, but then, they start selling your products claiming it's their own (this happened with simple products like e-books and scripts) which is a major problem for your make money online business.
Now, you're probably asking yourself: "Can I make money online by selling products and, in the same time, keep these scammers away?". Well, there are several solutions, but not without consequences. The obvious solution is to get rid of the refund policy, but this will probably decrease your conversion rate. We will discuss this and some other solutions in the next part of this article. Stay tuned, we're half way there.
In this article, I'll talk about the "refund policy scammers". Lately, more and more people started to talk about them on forums and came out with different solutions, which we will discuss in the second part of the article, "Make Money Online - Defend Against The Latest Scam".
"Refund policy" scammers, as I stated in the beginning, affect the people that make money online by selling digital products (software, e-books for e.g.). Now, you're probably wondering what their "modus operandi" is. Well, it's very simple. They just find websites that sell digital products and have a 100% money back guarantee, buy the product and then they tell you they want a refund because of crappy reasons, sometimes even impossible ones (they ask for a refund only minutes after they bought the product), but in the same time they keep the products.
More and more people who make money online with this kind of websites are complaining about these incredibly immoral scammers. You will find posts like: "I received this e-mail just one minute after they bought my e-book: "I am really disappointed about your e-book, I read it and it doesn't say anything new for me. Please give me a refund." And my e-book contains 80+ pages", "I am sorry but your script doesn't show me any results. Please give me a refund." I received this e-mail just one day after he bought and my script usually shows results after about 30 days "
Now, you're wondering: "Does this affect my make money online business?". You bet it does. Some time ago, it wasn't such a big problem, because only few people did it. But, nowadays, more and more people are complaining about these scammers, indicating that this refund policy "virus" is spreading quite rapidly. Today, we can even talk about professional refund policy scammers, who put up lists of products worth thousands of dollars and do "their thing". And this is nothing. Some of these scammers have an incredible nerve. Not only that they scam you, but then, they start selling your products claiming it's their own (this happened with simple products like e-books and scripts) which is a major problem for your make money online business.
Now, you're probably asking yourself: "Can I make money online by selling products and, in the same time, keep these scammers away?". Well, there are several solutions, but not without consequences. The obvious solution is to get rid of the refund policy, but this will probably decrease your conversion rate. We will discuss this and some other solutions in the next part of this article. Stay tuned, we're half way there.
How to Detect Paid Survey Scams
An online paid survey is good when the usage of it is for good intention. But, it is necessary to screen the big offers provided by many online survey providers before getting into them. If not, many service providers do not give the reward which they promise. Due to this many good paid surveys also get affected. People should consider many aspects before investing their time and money in the paid surveys.
We must not fall for any false testimonials, documented proof, and guarantees. It is not necessary if some people have got money from the paid survey that others will also get, so do not follow blindly with the document proof provided by the company. Don't believe the guarantee promised by them, as it might also not be true.
There are two types of online paid survey scams. The first method is the incentive offered will not be given after the work has been completed. The second method is getting money from the participants who access the online paid surveys. So the major part in identifying the scam is assessing the demographic requirements.
Read and understand the terms and conditions or any other documents fully before getting into it, if any of the point is unclear and not able to understand, make it clear in the beginning itself. This has to be done in order to avoid any discrepancy or contradictions in the future. Before providing any personal information to the companies do some verification, as it can be misused sometimes. Avoid the sites which are not clear in answering the questions and doubts in a satisfactory manner. Have business only with the companies who have the post box address or email addresses for communication.
Many paid survey scams make profit by selling the contact details of the participants to the marketing firms. After that, the marketing company keeps on contacting the participants through phone, and emails which will become a trouble to the people. Look whether the sites are registered. But some sites are registered by proxy and be aware of doing business with them. Check whether any complaints have been registered against any sites and on their owners, and even if there are none, it doesn't mean that they are not scam. It is not implied that all are satisfied by having business with them. It is just meant that no body has yet registered any complaints about those specific sites.
Further, people can have a reference check with some of the scam forums like scam.com and ripoffreport.com for the experience of the customers who have been duped through paid online survey scams. But some messages posted might be dupe by the middlemen by telling that wonderful opportunity is available with some sites and they would have listed them. They will be paid good money or commission or referral fees for duping. But moderators do remove these types of messages, but it will be remaining in the site until the screening process has been done. But not all paid online surveys are scams; some do pay what they promise.
We must not fall for any false testimonials, documented proof, and guarantees. It is not necessary if some people have got money from the paid survey that others will also get, so do not follow blindly with the document proof provided by the company. Don't believe the guarantee promised by them, as it might also not be true.
There are two types of online paid survey scams. The first method is the incentive offered will not be given after the work has been completed. The second method is getting money from the participants who access the online paid surveys. So the major part in identifying the scam is assessing the demographic requirements.
Read and understand the terms and conditions or any other documents fully before getting into it, if any of the point is unclear and not able to understand, make it clear in the beginning itself. This has to be done in order to avoid any discrepancy or contradictions in the future. Before providing any personal information to the companies do some verification, as it can be misused sometimes. Avoid the sites which are not clear in answering the questions and doubts in a satisfactory manner. Have business only with the companies who have the post box address or email addresses for communication.
Many paid survey scams make profit by selling the contact details of the participants to the marketing firms. After that, the marketing company keeps on contacting the participants through phone, and emails which will become a trouble to the people. Look whether the sites are registered. But some sites are registered by proxy and be aware of doing business with them. Check whether any complaints have been registered against any sites and on their owners, and even if there are none, it doesn't mean that they are not scam. It is not implied that all are satisfied by having business with them. It is just meant that no body has yet registered any complaints about those specific sites.
Further, people can have a reference check with some of the scam forums like scam.com and ripoffreport.com for the experience of the customers who have been duped through paid online survey scams. But some messages posted might be dupe by the middlemen by telling that wonderful opportunity is available with some sites and they would have listed them. They will be paid good money or commission or referral fees for duping. But moderators do remove these types of messages, but it will be remaining in the site until the screening process has been done. But not all paid online surveys are scams; some do pay what they promise.
Don`t Be Deceived By Scammers.
Seeking love online is now very popular across the whole World, why? It presents so many new and exciting possibilties, but remember it also presents the same possibilities to those that would part you from your money. Do not misunderstand me Online Dating is a fantastic thing that has bought joy and happiness to countless thousands of people Worldwide. No, simply be cautious, take care and use common sense.
Unfortunately Former Soviet Union countries and particularly The Ukraine are way up there in the black lists. So how easy is it for scammers to continue their practices? Ok just to be 100% clear scamming is a form of fraud, cheating, or dishonesty.
How easy is it to perpetuate scamming? It's ridiculously easy. We cannot blame the internet, it is as it was intended to be, a free and open channel of comunication Worldwide, without distinction of borders, or frontiers. It is available to all, without discrimination, selection, or bias. No the onus is on us the users, we must use common sense and be careful and we have the intelligence to do that do we not.
What do you need to become a scammer? Actually very few skills and a computer with an internet conection? Put the photo of a drop dead gorgeous woman on the net, pad it out with some wonderful words and that is it. Yes I know it`s too simple, but believe it, or not, it really it is that simple.
The collapse of the FSU was when it came sudden and dissordered and for many extreme finacial hardship set in. Yes there are a, a minority that have become rich, or even super rich, but in general these are materially speaking poor countries.
Equally, as is now clear, a surprising number of very beautiful women live in these countries and so scamming began. My area of expertise is The Ukraine and within this country the phenomenon of scamming maybe started in Lugansk,, a quite small city, way down in the south east of The Ukraine, it is an area, that until recently was famous for its mineral wealth and mining.
I know this city, I have visited this city, is it special within The Ukraine? Are the ladies here more beautiful than elsewhere? No, it is just another Ukrainian city. My friends from this city tell me that the practise of scamming began about 10 years ago, within Lugansk and these guys made a lot of money.
What did it take, it was so easy. How easy is it to post online a photo, a photo of a beautiful woman? Yes its that simple and were there an internet connection, it could as easily be done from the Artic circles, as from Paris, or London; find some nice words to say and that was it. Guys the world over began writing to these women, sending money, gifts, it was a dream come true, it was too easy.
Whilst quite clearly scamming is both moraly deplorable and unacceptable, we have to realise that the FSU countries do not share the same material benefits that we in the West have become accustomed too. The one asset they have and had was an enormous pool of beautiful women. The victims? How were they able so easily to dupe, or rob so many, so quickly? They offered dreams, often unrealistic and unrealisable dreams and played upon such human emotions as the need for love, or lonliness. The guys caught out were, in general guys from the West, guys from the relatively rich countries. Suddenly the beauty of the women of The Ukraine had a value, became a saleable item and the Internet made it possible.
Unfortunately Former Soviet Union countries and particularly The Ukraine are way up there in the black lists. So how easy is it for scammers to continue their practices? Ok just to be 100% clear scamming is a form of fraud, cheating, or dishonesty.
How easy is it to perpetuate scamming? It's ridiculously easy. We cannot blame the internet, it is as it was intended to be, a free and open channel of comunication Worldwide, without distinction of borders, or frontiers. It is available to all, without discrimination, selection, or bias. No the onus is on us the users, we must use common sense and be careful and we have the intelligence to do that do we not.
What do you need to become a scammer? Actually very few skills and a computer with an internet conection? Put the photo of a drop dead gorgeous woman on the net, pad it out with some wonderful words and that is it. Yes I know it`s too simple, but believe it, or not, it really it is that simple.
The collapse of the FSU was when it came sudden and dissordered and for many extreme finacial hardship set in. Yes there are a, a minority that have become rich, or even super rich, but in general these are materially speaking poor countries.
Equally, as is now clear, a surprising number of very beautiful women live in these countries and so scamming began. My area of expertise is The Ukraine and within this country the phenomenon of scamming maybe started in Lugansk,, a quite small city, way down in the south east of The Ukraine, it is an area, that until recently was famous for its mineral wealth and mining.
I know this city, I have visited this city, is it special within The Ukraine? Are the ladies here more beautiful than elsewhere? No, it is just another Ukrainian city. My friends from this city tell me that the practise of scamming began about 10 years ago, within Lugansk and these guys made a lot of money.
What did it take, it was so easy. How easy is it to post online a photo, a photo of a beautiful woman? Yes its that simple and were there an internet connection, it could as easily be done from the Artic circles, as from Paris, or London; find some nice words to say and that was it. Guys the world over began writing to these women, sending money, gifts, it was a dream come true, it was too easy.
Whilst quite clearly scamming is both moraly deplorable and unacceptable, we have to realise that the FSU countries do not share the same material benefits that we in the West have become accustomed too. The one asset they have and had was an enormous pool of beautiful women. The victims? How were they able so easily to dupe, or rob so many, so quickly? They offered dreams, often unrealistic and unrealisable dreams and played upon such human emotions as the need for love, or lonliness. The guys caught out were, in general guys from the West, guys from the relatively rich countries. Suddenly the beauty of the women of The Ukraine had a value, became a saleable item and the Internet made it possible.
Paid Survey Scams - 6 Reasons A Survey Might Be A Scam
One of the pitfalls for new people coming online and looking for ways to make money are paid survey scams. The promise of making money for very little work is appealing to all of us.
It's an unfortunate circumstance but it's simply part of the online landscape which novices need to be aware of. Yes, the promise of easy money is a great lure and the truth is, most people look for the "big red magic button" to generate extra income.
Can You Make Money With Online Surveys?
The simple answer is yes and many people do but like anything in life, some experience and a little due diligence will reap dividends in the long run.
So how can you avoid paid survey scams? Let's take a look at some of the ways to avoid losing your money or unnecessarily giving away personal information to scammers.
- Be cautious of claims which sound too goo to be true. They often are. A well written sales letter can convince even the most savvy person.
- If you have doubts about the legitimacy of a survey opportunity go to your favorite search engine and type in it's name followed by the word review. In many cases, others will have already used the service and if you find a lot of the reviews are uncomplimentary, give it a wide berth.
- Check online forums dedicated to online surveys or business opportunities and ask about the survey in question. Again, there is every likelihood someone will have come across it in their travels and either lost or made money with it and usually will be happy to report the results.
- Guarantees which seem outrageous should signal a red flag. The truth is, paid survey sites can really only offer to refund your money so there really is no incentive other than that for a site to make a guarantee.
- On the other hand, you shouldn't have to part with income in the first place. If you're being asked to pay money for a list of survey opportunities then don't. The information is usually freely available anyway. Besides, be realistic - why should you part with money when you're the one being asked to participate in a survey?
- Use Whois.com to check the details of a survey site. In many cases, paid survey scams will hide behind a proxy so as not to reveal their true identity. This could be considered another red flag.
It's an unfortunate circumstance but it's simply part of the online landscape which novices need to be aware of. Yes, the promise of easy money is a great lure and the truth is, most people look for the "big red magic button" to generate extra income.
Can You Make Money With Online Surveys?
The simple answer is yes and many people do but like anything in life, some experience and a little due diligence will reap dividends in the long run.
So how can you avoid paid survey scams? Let's take a look at some of the ways to avoid losing your money or unnecessarily giving away personal information to scammers.
- Be cautious of claims which sound too goo to be true. They often are. A well written sales letter can convince even the most savvy person.
- If you have doubts about the legitimacy of a survey opportunity go to your favorite search engine and type in it's name followed by the word review. In many cases, others will have already used the service and if you find a lot of the reviews are uncomplimentary, give it a wide berth.
- Check online forums dedicated to online surveys or business opportunities and ask about the survey in question. Again, there is every likelihood someone will have come across it in their travels and either lost or made money with it and usually will be happy to report the results.
- Guarantees which seem outrageous should signal a red flag. The truth is, paid survey sites can really only offer to refund your money so there really is no incentive other than that for a site to make a guarantee.
- On the other hand, you shouldn't have to part with income in the first place. If you're being asked to pay money for a list of survey opportunities then don't. The information is usually freely available anyway. Besides, be realistic - why should you part with money when you're the one being asked to participate in a survey?
- Use Whois.com to check the details of a survey site. In many cases, paid survey scams will hide behind a proxy so as not to reveal their true identity. This could be considered another red flag.
Don't be Scammed: Average Joe Income Package - Review
Don't be Scammed: Average Joe Income Package - Review
We've all heard it, Products claiming to make you ridiculous amounts of money weekly. In affiliate marketing, there are thousands of products to choose from. Some are good, and others simply just don't bring home the bacon.
This leaves you, the average Joe, to find the good stuff among the see of bad. Don't be scammed. Do your research, and thats what this review was made to help you with. Lets go over a few features of this package, and you can later decide if its right for you.
Average Joe Income Package has a unique approach to marketing. It focuses on the methods that are going to make you money, period. There are no $1000 day dreams here, just solid methods that land you in the $100 range. You may say other packages claim to make $1000. Hold on a second! Do you think if those guys had an amazing secret that could make $1000 a day would give it away for $30? Lets be real, would you do that if you were in there shoes?
Whats great is Average Joe is actually an honest package. Well, I can't disclose the methods used, for obvious reasons, but I'll tell you they work!
Whats also great about Average Joe Income Package is it uses high-quality video to guide step-by-step the methods you need to follow. So you don't need to read and get lost in hundreds of ebooks, you can simply put on a video and watch it being done hands on. You can stop, pause and replay all the videos if you miss something. If you would rather see something being done, then this would work well. Personally, I don't enjoy reading e-books hundreds of pages thick.
If you do perfer e-books the designer has included comprehensive e-books for each method in the video.
The Average Joe Income Package promises to help you build and additional monthly income stream, and establish your own automated business from home in less than a week! If you also have an online business it shows you how to receive additional income from them.
These are some of the key features of this program, best of all they give you a 100% money back guarantee, so if your not satisfied your covered.
Average Joe Income Package includes real money making methods that most probably can help you if you are willing to work. Now, its up to you to continue your research to find out if this really can work for you.
We've all heard it, Products claiming to make you ridiculous amounts of money weekly. In affiliate marketing, there are thousands of products to choose from. Some are good, and others simply just don't bring home the bacon.
This leaves you, the average Joe, to find the good stuff among the see of bad. Don't be scammed. Do your research, and thats what this review was made to help you with. Lets go over a few features of this package, and you can later decide if its right for you.
Average Joe Income Package has a unique approach to marketing. It focuses on the methods that are going to make you money, period. There are no $1000 day dreams here, just solid methods that land you in the $100 range. You may say other packages claim to make $1000. Hold on a second! Do you think if those guys had an amazing secret that could make $1000 a day would give it away for $30? Lets be real, would you do that if you were in there shoes?
Whats great is Average Joe is actually an honest package. Well, I can't disclose the methods used, for obvious reasons, but I'll tell you they work!
Whats also great about Average Joe Income Package is it uses high-quality video to guide step-by-step the methods you need to follow. So you don't need to read and get lost in hundreds of ebooks, you can simply put on a video and watch it being done hands on. You can stop, pause and replay all the videos if you miss something. If you would rather see something being done, then this would work well. Personally, I don't enjoy reading e-books hundreds of pages thick.
If you do perfer e-books the designer has included comprehensive e-books for each method in the video.
The Average Joe Income Package promises to help you build and additional monthly income stream, and establish your own automated business from home in less than a week! If you also have an online business it shows you how to receive additional income from them.
These are some of the key features of this program, best of all they give you a 100% money back guarantee, so if your not satisfied your covered.
Average Joe Income Package includes real money making methods that most probably can help you if you are willing to work. Now, its up to you to continue your research to find out if this really can work for you.
Liberty League Scam - Into The Rabbit Hole
"Be informed and no one can make a fool out of you". You may have heard this statement before many times in your life. Here it is, the cold hard fact of my research on the liberty league scam and it's infamous deeds.
You will also get an interesting true story of a liberty league scam illustrated with pure sincerity. Nothing is perfect in this world especially when you know the liberty league scam still persists. At the end of this report, give yourself some time to reflect a little in the closing statement after going through all this.
A Little Bit Of Introduction
Firstly, please refrain from judging the liberty league scam as a valid one. There are a lot of grey areas being told out on the Internet and you should keep an open mind. I'm neither on the left side or the right side of the liberty league opportunity. You ultimately decide on how bad is the liberty league scam.
This keeps it real between you and what you are reading here.
Second, liberty league actually has a 2-up compensation plan on the sale of a retail program. Your initial sign up fee is priced at $50. It is also good to know that no product purchase is required of you in order to earn profits.
Before we go in deeper into the liberty league scam, please realize that you only get paid when you successfully make a product sale to your end customer.
Into The Rabbit Hole
You take the red pill and swirl down a slippery path of the liberty league scam. Here, your story will be told from a guy (some parts are fictional for illustration purposes) who bought into the liberty league opportunity.
This story is true but in order to protect the privacy of such people, I did it intentionally.
You pay up the initial $2000 on Saturday night after watching an episode of Simpsons on TV. Pay up for the website dues, phone systems and start making calls right away.
"It ain't that bad, the total cost of around $2500 to get started would be just sacrificing my vacation money", you thought.
You work hard and use the many liberty league methods. Then, as it turned out you were told by your up line that it was essential that you attend a meeting which costs $200 (excluding airfare and hotel fees). Instead of hearing anyone mention about the liberty league scam, you hear people who talked about how much money they made.
"This sure pumps me up, I think the liberty league scam is a myth!", as you exclaimed in your mind. Let's see what else they got.
You find out that this conference was a pre-sell to 2 major conferences starting at $6000 and $12,000 each. There were several 'side expenses' too. Such as more 'mini' conferences and airfare plus hotel bills. "So, it takes averagely $28,800 annually for attending the conferences".
At this point, the liberty league scam has just begun.
After you step out of the conference, you feel somewhat uneasy. During the drive home you thought, "now, how am I supposed to maintain integrity when I sell someone the products. Especially when my customers want to know exactly what the total expense was in this business?".
Gradually, you shrink into the mentality thought of having to hide certain facts. You had to because people would run as fast as a deer when they found out how much money it actually takes.
Snap Back Into Reality
Don't worry. This small illustration about the liberty league scam is just an imaginative example of this company and it's deeds. However, remember that this is a true account of someones' actual experience with you being in his shoes.
You will also get an interesting true story of a liberty league scam illustrated with pure sincerity. Nothing is perfect in this world especially when you know the liberty league scam still persists. At the end of this report, give yourself some time to reflect a little in the closing statement after going through all this.
A Little Bit Of Introduction
Firstly, please refrain from judging the liberty league scam as a valid one. There are a lot of grey areas being told out on the Internet and you should keep an open mind. I'm neither on the left side or the right side of the liberty league opportunity. You ultimately decide on how bad is the liberty league scam.
This keeps it real between you and what you are reading here.
Second, liberty league actually has a 2-up compensation plan on the sale of a retail program. Your initial sign up fee is priced at $50. It is also good to know that no product purchase is required of you in order to earn profits.
Before we go in deeper into the liberty league scam, please realize that you only get paid when you successfully make a product sale to your end customer.
Into The Rabbit Hole
You take the red pill and swirl down a slippery path of the liberty league scam. Here, your story will be told from a guy (some parts are fictional for illustration purposes) who bought into the liberty league opportunity.
This story is true but in order to protect the privacy of such people, I did it intentionally.
You pay up the initial $2000 on Saturday night after watching an episode of Simpsons on TV. Pay up for the website dues, phone systems and start making calls right away.
"It ain't that bad, the total cost of around $2500 to get started would be just sacrificing my vacation money", you thought.
You work hard and use the many liberty league methods. Then, as it turned out you were told by your up line that it was essential that you attend a meeting which costs $200 (excluding airfare and hotel fees). Instead of hearing anyone mention about the liberty league scam, you hear people who talked about how much money they made.
"This sure pumps me up, I think the liberty league scam is a myth!", as you exclaimed in your mind. Let's see what else they got.
You find out that this conference was a pre-sell to 2 major conferences starting at $6000 and $12,000 each. There were several 'side expenses' too. Such as more 'mini' conferences and airfare plus hotel bills. "So, it takes averagely $28,800 annually for attending the conferences".
At this point, the liberty league scam has just begun.
After you step out of the conference, you feel somewhat uneasy. During the drive home you thought, "now, how am I supposed to maintain integrity when I sell someone the products. Especially when my customers want to know exactly what the total expense was in this business?".
Gradually, you shrink into the mentality thought of having to hide certain facts. You had to because people would run as fast as a deer when they found out how much money it actually takes.
Snap Back Into Reality
Don't worry. This small illustration about the liberty league scam is just an imaginative example of this company and it's deeds. However, remember that this is a true account of someones' actual experience with you being in his shoes.
Is Lawn Chair Millionaire A Scam?
The Lawn Chair Millionaire money making program has attracted considerable publicity since its launch in December 2007.Opinion has been divided over the merits of the scheme. Some have called it a scam others are enthusiastic about its money making abilities.
David Natiuk "Two Inches From Scam" does an excellent expose` of the program.You can look it up in a search engine by title. Basically he attacks LCM as being a shallow money making vehicle with no substance. Indeed he details the extra money you have to pay out for each of the programs within the LCM "Vault"
My "earnings" for the first 3 months were roughly the same as Mr Natiuks just under $30 per month.
I was really annoyed with LCM at this point as it states in the emails they send you that your share of the money pool will go up. It didn't, it was quite fixed. In fact you can easily delude yourself that your next pool share would be something substantial but that does NOT happen. I sent a support ticket complaining about this but they defended themselves rater sheepishly I thought.
I purchased the Smart Cash System which is basically a betting software program designed to win you money at online soccer bookmakers. It is possible to make some cash with this system but it is slow going and you need a lot of time and patience.Its actually quite fun if you enjoy English Premier League Football but I don't think I could make a living out of it.Also most of the bookmakers are off limits to USA residents.
As for the other Vault programs, I haven't ventured that far nor will I.
I took a trial look at the Forex share trading program Freedom Rocks,and it seemed complex to me .You had to set up various accounts after paying a $100 to join.
So who is doing well with LCM? Well the number one recruiter is Rachel Long with around 2000members to her name. Next comes self publicist Mike "You may have heard of me" G(Glaspie) who is trailing in Mrs Longs bridal tresses with about 1000 sign ups. Of course these people are what is known in the industry as "Heavy Hitters".
Is it easy to get sign ups to LCM? In my experience NO. I have tried various campaigns and have so far managed a half dozen paid members mainly through advertising on the Yuwie social networking site.
However there are other methods of advertising.Many people are getting good traffic to their site using Spin Success a SEO company that really will give your affiliate site top rankings on Google,Yahoo etc.
On the positive side those few sign ups I have are giving me a residual monthly income and I have made a few hundred dollars so far which is good.
So although I have had reservations about Lawn Chair Millionaire,I am making money with it, and a residual income at that.
It's a sort of love hate relationship really, a bit like the words from the Eagles song "Hotel California" --- "You can check out any time you like..but you can never leave"
Happy Hunting
Bob Bland
David Natiuk "Two Inches From Scam" does an excellent expose` of the program.You can look it up in a search engine by title. Basically he attacks LCM as being a shallow money making vehicle with no substance. Indeed he details the extra money you have to pay out for each of the programs within the LCM "Vault"
My "earnings" for the first 3 months were roughly the same as Mr Natiuks just under $30 per month.
I was really annoyed with LCM at this point as it states in the emails they send you that your share of the money pool will go up. It didn't, it was quite fixed. In fact you can easily delude yourself that your next pool share would be something substantial but that does NOT happen. I sent a support ticket complaining about this but they defended themselves rater sheepishly I thought.
I purchased the Smart Cash System which is basically a betting software program designed to win you money at online soccer bookmakers. It is possible to make some cash with this system but it is slow going and you need a lot of time and patience.Its actually quite fun if you enjoy English Premier League Football but I don't think I could make a living out of it.Also most of the bookmakers are off limits to USA residents.
As for the other Vault programs, I haven't ventured that far nor will I.
I took a trial look at the Forex share trading program Freedom Rocks,and it seemed complex to me .You had to set up various accounts after paying a $100 to join.
So who is doing well with LCM? Well the number one recruiter is Rachel Long with around 2000members to her name. Next comes self publicist Mike "You may have heard of me" G(Glaspie) who is trailing in Mrs Longs bridal tresses with about 1000 sign ups. Of course these people are what is known in the industry as "Heavy Hitters".
Is it easy to get sign ups to LCM? In my experience NO. I have tried various campaigns and have so far managed a half dozen paid members mainly through advertising on the Yuwie social networking site.
However there are other methods of advertising.Many people are getting good traffic to their site using Spin Success a SEO company that really will give your affiliate site top rankings on Google,Yahoo etc.
On the positive side those few sign ups I have are giving me a residual monthly income and I have made a few hundred dollars so far which is good.
So although I have had reservations about Lawn Chair Millionaire,I am making money with it, and a residual income at that.
It's a sort of love hate relationship really, a bit like the words from the Eagles song "Hotel California" --- "You can check out any time you like..but you can never leave"
Happy Hunting
Bob Bland
Paid Surveys Etc-Are All Paid Survey Sites Scams?
Paid surveys are a great place to start when you are new to the internet or you just need some extra cash to pay a few extra bills. The reason for this is because they are fast to do and you get paid pretty quickly as well. Paid surveys can really be done by anyone. This is because they are easy to do and they only require an opinion.
If you have been browsing around the internet these days to find paid surveys, you may find that that are a lot of people out there calling paid surveys a scam. In my opinion, there are a few scams out there, but most of the time paid survey sites are actually great to have because they offer a lot of ways to make money.
The real reason people put these sites down because they were expecting to become millionaires over night. See, the real deal is that you can make money over night or even in your first day, but you will not become a millionaire. Paid surveys are not for someone that needs to make a full time income and then make a bunch more money to spend foolishly.
You would actually have to work very hard with paid surveys in order to make a full time income for it. You have to even work yourself up the line in order to even receive the high paying surveys. Most of the time on average, companies will tend to pay you anywhere from $3-$75 per survey.
Companies are willing to pay people for there opinions because they feel that they want to get to know how the customer likes to spend their money. The best way to get people to participate in this is to pay them.
Paid surveys can be found by doing a search in Google or you can join a paid survey site. It is really up to you on which route you can take. If you have the time then I suggest you manually sign up with companies. If you don’t have the time I recommend joining a site. You most likely will make the money back in the first day anyways.
Paid surveys are an easy and fun thing to do to make money on the internet from. The thing is though you must stay focused and dedicated in order to see the results of your new income.
If you have been browsing around the internet these days to find paid surveys, you may find that that are a lot of people out there calling paid surveys a scam. In my opinion, there are a few scams out there, but most of the time paid survey sites are actually great to have because they offer a lot of ways to make money.
The real reason people put these sites down because they were expecting to become millionaires over night. See, the real deal is that you can make money over night or even in your first day, but you will not become a millionaire. Paid surveys are not for someone that needs to make a full time income and then make a bunch more money to spend foolishly.
You would actually have to work very hard with paid surveys in order to make a full time income for it. You have to even work yourself up the line in order to even receive the high paying surveys. Most of the time on average, companies will tend to pay you anywhere from $3-$75 per survey.
Companies are willing to pay people for there opinions because they feel that they want to get to know how the customer likes to spend their money. The best way to get people to participate in this is to pay them.
Paid surveys can be found by doing a search in Google or you can join a paid survey site. It is really up to you on which route you can take. If you have the time then I suggest you manually sign up with companies. If you don’t have the time I recommend joining a site. You most likely will make the money back in the first day anyways.
Paid surveys are an easy and fun thing to do to make money on the internet from. The thing is though you must stay focused and dedicated in order to see the results of your new income.
The Truth About Internet Insider Secrets
There are no secrets to success on the Internet! Many people advertise programs for making money on the Internet and claim to reveal insider secrets. Well, I’m here to tell you that there are no secrets. In fact, just the opposite is true. Not only is nothing secret on the Internet, there is so much information available that it is impossible to sort through it all and, at times, very difficult to even find what you really want.
Information is a commodity. That means that it is readily available and can be bought and sold very inexpensively. In many cases, the information that you want is probably even available for free. The problem is finding it. Sometimes it is worth a few bucks to have someone else compile information for you or use existing publications and research.
Claims of insider information or secrets are a very good indicator of scams. If someone has good information or tips to sell then they don’t need the hype and promises offered by the phrase ‘insider secrets’. It is always tempting to believe these claims and pay a small price to get this information, but it is rare that it is worth the investment. In fact, too many people walk away feeling scammed.
There are businesses and industries where a few insiders make lots of money with no transparency or oversight, and no possibility for you and I to participate. Regular people and even government agencies are not even aware of many of the insider deals that go on every day. However, if anyone is making money on the Internet, then everyone can see how they do it. Websites, affiliate programs, marketing strategies and new products are easy to find and see on the Internet. That’s the whole point of the ‘world wide web’!
The Internet has made learning easier than ever. Unfortunately, it has also made wasting time and money easier too. To be successful on the Internet you must learn to quickly identify what information, offers, websites and programs are worth your time. Simple things you can do include: 1) Looking closely at a website to ensure that it is professionally built, as opposed to just slapped up quickly and cheaply, 2) Determining the credentials of anyone who is providing information by verifying their statements, education and background, 3) Applying simple common sense by applying the old adage, "If it sounds too good to be true, it probably is".
Information is a commodity. That means that it is readily available and can be bought and sold very inexpensively. In many cases, the information that you want is probably even available for free. The problem is finding it. Sometimes it is worth a few bucks to have someone else compile information for you or use existing publications and research.
Claims of insider information or secrets are a very good indicator of scams. If someone has good information or tips to sell then they don’t need the hype and promises offered by the phrase ‘insider secrets’. It is always tempting to believe these claims and pay a small price to get this information, but it is rare that it is worth the investment. In fact, too many people walk away feeling scammed.
There are businesses and industries where a few insiders make lots of money with no transparency or oversight, and no possibility for you and I to participate. Regular people and even government agencies are not even aware of many of the insider deals that go on every day. However, if anyone is making money on the Internet, then everyone can see how they do it. Websites, affiliate programs, marketing strategies and new products are easy to find and see on the Internet. That’s the whole point of the ‘world wide web’!
The Internet has made learning easier than ever. Unfortunately, it has also made wasting time and money easier too. To be successful on the Internet you must learn to quickly identify what information, offers, websites and programs are worth your time. Simple things you can do include: 1) Looking closely at a website to ensure that it is professionally built, as opposed to just slapped up quickly and cheaply, 2) Determining the credentials of anyone who is providing information by verifying their statements, education and background, 3) Applying simple common sense by applying the old adage, "If it sounds too good to be true, it probably is".
How To Avoid Fraud, Deceit & Scams!
The world is full of people who feel they can take advantage of others to obtain their goals in life. Fraud, Deceit & Scams happen in the real world every day. Just tune into your local news to hear about them. But, Fraud, Deceit & Scams also happen in the virtual world as well. And, unfortunately they often hit those who least can afford the losses.
Online we are always inundated with "get rich quick schemes" and their claims of "overnight success". If you're like me you find this kind of s.p.a.m clogging up your email box on a daily bases. They tell us how easy it is. How we can just sit back and relax, do nothing all day long and still make a roll full of money. Hell, we might as well go golfing because we'll be making money hand over fist while on the golf course. :-| Now while sitting back and watching the money roll in would definitely be nice, reality is, rarely does any get rich quick scheme ever work. The promises of millions never pan out no matter how hard you try.
The problem here is that so many people want and need to make more money. And they want to make that money as quickly as they can. So they believe, or hope that what the scammer is telling them will be true. But understand this, even the greatest, largest companies in the world took time and work to build. Martha Stewart for example will tell you that she started her business in the basement of her house. And look where that business is today. A multibillion dollar a year corporation. While we all can't be Martha Stewart or Donald Trump or Hugh Heffner we can have our own successful home based business if we just stay away from the scams.
So, how do we spot the scams? Well, if you are serious about operating your own home based business there are things you can watch out for. Sort of the red flags of the business opportunity world. Let's have a look at some now.
- Charging you for information about their business opportunity. It's pretty plain and simple. A so called business opportunity tells you all you have to do is go to your mail box pick up the checks and cash them, but first you must send them a check to get the information on how this is done. I'm of the thinking that your check is going to be the only check getting cashed here. This type of ad appears all over the internet. But if their business opportunity is so good why must you pay to find out what it is. Would it not make more sense to give you that information for free so they could get you interested in their product. I would think so! And unfortunately many people get scammed into sending these frauds the money they ask for. Then if they receive the information they paid for they will often find it pretty much useless and often they are require to send more money for more information. Stay away from these types of ads, they will not get you a successful home based business!
- They want to charge you a fee to sell their products. O.K., I've got to ask - What's up with that?! If their product is so great won't you be selling them like crazy? Won't you be making money for not only yourself but for the company as well? Don't pay to sell someone else's products.
Online we are always inundated with "get rich quick schemes" and their claims of "overnight success". If you're like me you find this kind of s.p.a.m clogging up your email box on a daily bases. They tell us how easy it is. How we can just sit back and relax, do nothing all day long and still make a roll full of money. Hell, we might as well go golfing because we'll be making money hand over fist while on the golf course. :-| Now while sitting back and watching the money roll in would definitely be nice, reality is, rarely does any get rich quick scheme ever work. The promises of millions never pan out no matter how hard you try.
The problem here is that so many people want and need to make more money. And they want to make that money as quickly as they can. So they believe, or hope that what the scammer is telling them will be true. But understand this, even the greatest, largest companies in the world took time and work to build. Martha Stewart for example will tell you that she started her business in the basement of her house. And look where that business is today. A multibillion dollar a year corporation. While we all can't be Martha Stewart or Donald Trump or Hugh Heffner we can have our own successful home based business if we just stay away from the scams.
So, how do we spot the scams? Well, if you are serious about operating your own home based business there are things you can watch out for. Sort of the red flags of the business opportunity world. Let's have a look at some now.
- Charging you for information about their business opportunity. It's pretty plain and simple. A so called business opportunity tells you all you have to do is go to your mail box pick up the checks and cash them, but first you must send them a check to get the information on how this is done. I'm of the thinking that your check is going to be the only check getting cashed here. This type of ad appears all over the internet. But if their business opportunity is so good why must you pay to find out what it is. Would it not make more sense to give you that information for free so they could get you interested in their product. I would think so! And unfortunately many people get scammed into sending these frauds the money they ask for. Then if they receive the information they paid for they will often find it pretty much useless and often they are require to send more money for more information. Stay away from these types of ads, they will not get you a successful home based business!
- They want to charge you a fee to sell their products. O.K., I've got to ask - What's up with that?! If their product is so great won't you be selling them like crazy? Won't you be making money for not only yourself but for the company as well? Don't pay to sell someone else's products.
Check Fraud, You Could Be Liable If...
You do not protect your negotiable checks by using ordinary care. In the early 1990's the Uniform Commercial Codes or UCC had modifications to the codes that placed the business owner in a position where a bank was no longer the sole responsible party should check fraud occur. If it is determined that the bank did everything they could to prevent fraud loss and the business owner failed to protect themselves, the loss is the responsibility of the business owner. In addition to the financial loss from the check fraud, there is the additional loss of time investigating the crime, damage to your credibility and worry over where you go to gain a higher degree of protection.
A Billion Dollar Problem and Growing
Check fraud is a growing (illegal) business and is expected to continue to grow in this decade. With 1.2 million checks a day entering the Federal Reserve System that are fraudulent out of the 13 million checks deposited daily, the percentage chance for a business to suffer a fraud loss are staggering. The dollar loss for businesses is estimated to range from 18 to 20 billion dollars a year. Those responsible for these losses range from a small core of professional check fraud criminals to a larger group of gifted amateurs who have harnessed the power of inexpensive computer technology to perpetuate these crimes.
Are You a Target for Check Fraud?
The list of companies that are a target for check fraud is endless, but there are certain types of situations where check fraud artists are looking to separate the unsuspecting from their money:
• Checks that are easy to copy, reproduce or alter (those without document security present) and checks that look like everyone else’s checks.
• Easy access to pre-printed checks that are not locked up or accounted for in an office.
• High volume bank accounts where fraudulent checks can easily slip through your system.
• Check runs that are canceled, but the printed checks from those runs are dumped in the trash and not shredded.
Is It Possible to Protect My Company?
Yes, you can reduce the chance of someone counterfeiting (copying) or committing an alteration (forgery) of your checks, as well as reducing your liability if a check fraud occurs. There is not a 100% foolproof system that exists to prevent fraud, but you can significantly minimize the risk of check fraud by using a multi-prong approach. The critical requirement is to have set procedures in place for preprocessing and post-processing of your completed check handling and to use security check stock that is unique and is not easy to alter or reproduce.
• Restrict access to the pre-printed checks you store in your offices. Ensure only trusted employees have access to any checks and checking accounts the company maintains.
• Audit your checks. Know where your checks are; make sure preprinted checks are kept in numerical sequence.
• Use custom designs on your checks or check stock and include multiple layers of document security features now available in the marketplace.
• Advise your bank branch that holds your account of the security features that you have present on your checks or check stock. Keep a copy of the letter you send to the bank. Suggested format letters are available from us - just request them.
• Reconcile your bank statement promptly (don't wait 30 days from the mailing of the statement package from your bank). Report any discrepancies immediately to your bank. Have your bank statement mailed to your home for your review before you bring it into the office for the person who does the reconciliation.
• Insure any checks you put in the mail are in an envelope that has a protective security tint inside, place the mail in a letter drop box or hand it to a U.S. Postal mail carrier. Do not put envelopes that contain checks in any type of tray that is set beside any drop box on a street, parking area or pedestrian walk area.
The Best Bet for Protection
Don’t take any chances. Handle your checks like the cash they are intended to become when you send them out. It is always better to have more security than you need rather than needing security when a check fraud issue arises and not having enough features or worse, not features at all.
A Billion Dollar Problem and Growing
Check fraud is a growing (illegal) business and is expected to continue to grow in this decade. With 1.2 million checks a day entering the Federal Reserve System that are fraudulent out of the 13 million checks deposited daily, the percentage chance for a business to suffer a fraud loss are staggering. The dollar loss for businesses is estimated to range from 18 to 20 billion dollars a year. Those responsible for these losses range from a small core of professional check fraud criminals to a larger group of gifted amateurs who have harnessed the power of inexpensive computer technology to perpetuate these crimes.
Are You a Target for Check Fraud?
The list of companies that are a target for check fraud is endless, but there are certain types of situations where check fraud artists are looking to separate the unsuspecting from their money:
• Checks that are easy to copy, reproduce or alter (those without document security present) and checks that look like everyone else’s checks.
• Easy access to pre-printed checks that are not locked up or accounted for in an office.
• High volume bank accounts where fraudulent checks can easily slip through your system.
• Check runs that are canceled, but the printed checks from those runs are dumped in the trash and not shredded.
Is It Possible to Protect My Company?
Yes, you can reduce the chance of someone counterfeiting (copying) or committing an alteration (forgery) of your checks, as well as reducing your liability if a check fraud occurs. There is not a 100% foolproof system that exists to prevent fraud, but you can significantly minimize the risk of check fraud by using a multi-prong approach. The critical requirement is to have set procedures in place for preprocessing and post-processing of your completed check handling and to use security check stock that is unique and is not easy to alter or reproduce.
• Restrict access to the pre-printed checks you store in your offices. Ensure only trusted employees have access to any checks and checking accounts the company maintains.
• Audit your checks. Know where your checks are; make sure preprinted checks are kept in numerical sequence.
• Use custom designs on your checks or check stock and include multiple layers of document security features now available in the marketplace.
• Advise your bank branch that holds your account of the security features that you have present on your checks or check stock. Keep a copy of the letter you send to the bank. Suggested format letters are available from us - just request them.
• Reconcile your bank statement promptly (don't wait 30 days from the mailing of the statement package from your bank). Report any discrepancies immediately to your bank. Have your bank statement mailed to your home for your review before you bring it into the office for the person who does the reconciliation.
• Insure any checks you put in the mail are in an envelope that has a protective security tint inside, place the mail in a letter drop box or hand it to a U.S. Postal mail carrier. Do not put envelopes that contain checks in any type of tray that is set beside any drop box on a street, parking area or pedestrian walk area.
The Best Bet for Protection
Don’t take any chances. Handle your checks like the cash they are intended to become when you send them out. It is always better to have more security than you need rather than needing security when a check fraud issue arises and not having enough features or worse, not features at all.
Going Broke In The Wrong Small Business
Becoming your own boss is the dream of almost every person that feels they are underpaid or unjustly treated on their job. Not having to kiss the ass of a superior employee every day is a step toward personal freedom. Many accept their slavish fate and go on doing what they hate. But other more adventurous people go into a small business hoping that one day they will become their own boss. Unfortunately only fifty percent of them are still in business after five years, the rest fulfill the dream of becoming their own boss. But I will tell you about a small business where ninety percent of investors fail in the first year, and that is in the vending machine business.
The salesman encouraged me into buying ten candy dispensing machines costing me fifteen thousand dollars. He promised that once on location I will be earning more than two thousand dollars a month. That meant that my investment would be returned in less than a year. It sounded great and I was sure of being successful.
My fifteen thousand dollar investment was delivered, and I proudly examined my candy machines to see if they were in good condition. They worked perfectly and I was sure that I got a good deal. Now all I had to do was follow the salesmen’s advice and put them on location. First I tried the motels and found that all of them had gigantic candy vending machines combined with ones that dispensed coffee and cold beverages. They were owned by a large corporation that had its machines in all of the motels. My little candy vending machine had no chance of being given a spot to stand. I then tried to locate them in beauty parlors and gas stations, and within three weeks all my ten machines were on location. A month later it was collection time and I happily went out to collect the money in the machines. At the end of a hard day of collecting and replacing a few candy bars, I was rewarded with twenty two dollars and fifty cents. Tears flowed down my cheeks.
I called up the guy that sold me the machines and told him my problem. He said that what I did was correct, but I had to give the machines a chance. People will start to use them after a few months. Six months later I called again and told him how bad business was, he said he could help me recover my loss. My problem was that the locations I picked were bad. He said that he would get better ones for me at a cost of seventy five hundred dollars. He said the results were guaranteed. I had no choice but to agree. After three months of earning next to nothing I called him---his phone was disconnected and I was broke.
We all learn from experience, I learned not to buy candy vending machines. That mistake cost me over twenty thousand dollars. I also learned that the guy that sold me the machines and the people that manufactured them are better at business than I can ever be. http://www.associatedcontent.com/melpo
The salesman encouraged me into buying ten candy dispensing machines costing me fifteen thousand dollars. He promised that once on location I will be earning more than two thousand dollars a month. That meant that my investment would be returned in less than a year. It sounded great and I was sure of being successful.
My fifteen thousand dollar investment was delivered, and I proudly examined my candy machines to see if they were in good condition. They worked perfectly and I was sure that I got a good deal. Now all I had to do was follow the salesmen’s advice and put them on location. First I tried the motels and found that all of them had gigantic candy vending machines combined with ones that dispensed coffee and cold beverages. They were owned by a large corporation that had its machines in all of the motels. My little candy vending machine had no chance of being given a spot to stand. I then tried to locate them in beauty parlors and gas stations, and within three weeks all my ten machines were on location. A month later it was collection time and I happily went out to collect the money in the machines. At the end of a hard day of collecting and replacing a few candy bars, I was rewarded with twenty two dollars and fifty cents. Tears flowed down my cheeks.
I called up the guy that sold me the machines and told him my problem. He said that what I did was correct, but I had to give the machines a chance. People will start to use them after a few months. Six months later I called again and told him how bad business was, he said he could help me recover my loss. My problem was that the locations I picked were bad. He said that he would get better ones for me at a cost of seventy five hundred dollars. He said the results were guaranteed. I had no choice but to agree. After three months of earning next to nothing I called him---his phone was disconnected and I was broke.
We all learn from experience, I learned not to buy candy vending machines. That mistake cost me over twenty thousand dollars. I also learned that the guy that sold me the machines and the people that manufactured them are better at business than I can ever be. http://www.associatedcontent.com/melpo
Home Based Business Scams - Tips on Avoiding Them
Maybe the reason you're interested in setting up a home business is because you've seen an ad that perked your interest or you were approached by a friend or colleague about a great home business money-making opportunity and those entrepreneurial juices started to flow. Your imagination starts to flow and dreams of quitting your job fill your every thought.
Hello, hey, ok... time to stop dreaming. I hate to burst your bubble or stop your fantasy ride but before you give your boss a piece of your mind there's a few things you need to consider.
First, you need to realize that probably 99% of all home business / work from home offers out there are flat out scams. After all, if it was that easy to pay a few dollars and make thousands, wouldn't everyone be doing it by now and why tell you about it?
Below I've listed and briefly discussed how to recognize and avoid a few of the biggest scams out there.
Location… Location… Location Check out every offer and assume it's a scam until you have iron-clad proof that it's not. A few things to consider are: Where did you see that work from home offer? If you got it by traditional mail or by email or saw it on a poster taped around a telephone pole, then I can guarantee you right now that it's not a legitimate offer. On the other hand, if you saw the ad in a newspaper, in a jobs magazine or on a jobs website, then it's a little more likely to be legit - but not necessarily.
Envelope Stuffing Will this scam ever end? Well, not until people stop falling for it. This is the most established work-from-home scam of all time and it's been going on for what seems like forever now. How it works is that once you pay your money and sign up to work from home, you are sent a set of envelopes and ads just like the one you responded to. The whole idea is to simply get names of people who are interested in home business ops and get a quick buck. You could make a little money if you mail to the right mailing list but don't count it. Work from home offers like this are simply illegal pyramid schemes. You will not make money putting letters into envelopes - so get over it and move on!
Shoddy Supplies The practice of charging for supplies is hard to pin down to any one scam - it's a common most work-at-home scams work (including the envelope stuffing scam mentioned above). You'll be asked to make a minimal "investment" for whatever materials will be needed to do the work and then you'll receive a collection of very shoddy materials that are worth a fraction of what you paid for them and last but not least you'll soon realize that there was never a market for work anyway.
Don't walk - run… if anyone asks for money upfront. Any company worth its salt would be willing to deduct any "fees" from your first paycheck. Any company not willing to do that, is in all likely-hood simply out to scam you into giving them some upfront money and then as the saying goes… "leaving dodge" as quickly as possible.
Hello, hey, ok... time to stop dreaming. I hate to burst your bubble or stop your fantasy ride but before you give your boss a piece of your mind there's a few things you need to consider.
First, you need to realize that probably 99% of all home business / work from home offers out there are flat out scams. After all, if it was that easy to pay a few dollars and make thousands, wouldn't everyone be doing it by now and why tell you about it?
Below I've listed and briefly discussed how to recognize and avoid a few of the biggest scams out there.
Location… Location… Location Check out every offer and assume it's a scam until you have iron-clad proof that it's not. A few things to consider are: Where did you see that work from home offer? If you got it by traditional mail or by email or saw it on a poster taped around a telephone pole, then I can guarantee you right now that it's not a legitimate offer. On the other hand, if you saw the ad in a newspaper, in a jobs magazine or on a jobs website, then it's a little more likely to be legit - but not necessarily.
Envelope Stuffing Will this scam ever end? Well, not until people stop falling for it. This is the most established work-from-home scam of all time and it's been going on for what seems like forever now. How it works is that once you pay your money and sign up to work from home, you are sent a set of envelopes and ads just like the one you responded to. The whole idea is to simply get names of people who are interested in home business ops and get a quick buck. You could make a little money if you mail to the right mailing list but don't count it. Work from home offers like this are simply illegal pyramid schemes. You will not make money putting letters into envelopes - so get over it and move on!
Shoddy Supplies The practice of charging for supplies is hard to pin down to any one scam - it's a common most work-at-home scams work (including the envelope stuffing scam mentioned above). You'll be asked to make a minimal "investment" for whatever materials will be needed to do the work and then you'll receive a collection of very shoddy materials that are worth a fraction of what you paid for them and last but not least you'll soon realize that there was never a market for work anyway.
Don't walk - run… if anyone asks for money upfront. Any company worth its salt would be willing to deduct any "fees" from your first paycheck. Any company not willing to do that, is in all likely-hood simply out to scam you into giving them some upfront money and then as the saying goes… "leaving dodge" as quickly as possible.
ITV Scam
Have you ever noticed that infomercial business has mushroomed over the past ten years. Television commercials are aimed at satisfying the needs and wants of their target consumers. When dealing with ITV Ventures you can rest assure that you are making a sound business investment. ITV venture is a scheme dedicated in bringing network marketing to your door step. Let’s first analyze the network marketing business and see how it was before ITV stepped in. To stay ahead in network marketing business one would often need business opportunity leads. They could be easily found from the net but they were not that helpful at all. There were little opportunities to make large profits and in short network marketing was dead. ITV Ventures offers you an opportunity to start your own infomercial business. We have brought a new trend by combining several industries together and launching a hybrid called "direct response marketing". With ITV you don’t have to make calls to your friends or family anymore. ITV spends a large amount of money each week advertising about the products. There are number of benefits when working with ITV. You can make large profits by simply working from home. Just listen to phone calls and make amazing income just by selling the product. We offer our products at wholesale prices too! However to find out more information on our products and services visit: www.itvmakesense.com. Those of you who are sick of all the scams, hype and false promises offered by other network marketing schemes, ITV is an ideal opportunity. ITV provides a business platform to all those people who wish to start their own home based business.
When speaking about home business, you may be interested in health and nutrition products industry. If you really are, then you must be an avid fan of ITV Ventures infomercials. ITV Ventures has been successful in keeping the network marketing concept alive. They have combined both the internet and television based mediums to provide you a more resourceful and powerful platform at the same time. This type of communication can work wonders. It can promote your products to the millions of users. You can enjoy the benefits of ITV Ventures infomercials if your target market is people who are regular television viewers.
You can start your own ITV infomercial business with a little amount of investment. The best thing about it is that you can have your own website. We provide you all the right products. You simply have to sell them to start making money. Simply visit www.itvmakesense.com to view a complete listing of our products. Shipping and storage services are courtesy of ITV. Amongst our other services are top ranking TV commercials that will attract large amount of customers towards your products. ITV has created new opening where all other network marketing businesses have failed. It has provided everyone a powerful business platform to establish their own infomercial business. Remember, ITV offers you an opportunity to run a completely legitimate business, starting with little investments. Make the most out of this opportunity and set up your own infomercial business with help from ITV Ventures.
When speaking about home business, you may be interested in health and nutrition products industry. If you really are, then you must be an avid fan of ITV Ventures infomercials. ITV Ventures has been successful in keeping the network marketing concept alive. They have combined both the internet and television based mediums to provide you a more resourceful and powerful platform at the same time. This type of communication can work wonders. It can promote your products to the millions of users. You can enjoy the benefits of ITV Ventures infomercials if your target market is people who are regular television viewers.
You can start your own ITV infomercial business with a little amount of investment. The best thing about it is that you can have your own website. We provide you all the right products. You simply have to sell them to start making money. Simply visit www.itvmakesense.com to view a complete listing of our products. Shipping and storage services are courtesy of ITV. Amongst our other services are top ranking TV commercials that will attract large amount of customers towards your products. ITV has created new opening where all other network marketing businesses have failed. It has provided everyone a powerful business platform to establish their own infomercial business. Remember, ITV offers you an opportunity to run a completely legitimate business, starting with little investments. Make the most out of this opportunity and set up your own infomercial business with help from ITV Ventures.
Be Free of Land Buying Scam with Crown Land
As with any other business, scumbags and other malicious-minded people are sure to abuse any aspect that they can find they can take advantage of. The same holds true with land buying. More and more people are becoming victims of fraudulent arrangements with regard to buying or selling lands, and more and more companies are plotting land marketing schemes to rip people of hundreds and thousands of their hard-earned dollars. Obviously you wouldn’t want to become part of this horrible statistics. You need to know how to distinguish the genuine over the fraudulent transactions when it comes to looking for land for sale or land buying.
Everybody should be aware by now how wise it is to invest in land for sale. Over the last decade, investment in land has shown fantastic results for all those who have put in money on promising land for sale. This is because of the simple law on demand and supply. The world’s population is expanding but the earth is nowhere near going any wider as it is now. So if you have the chance to buy land and the chance to develop it for residential or commercial use you might as well grab it as early as now and you will never regret having done so.
Note that in getting into the business of looking for land for sale and eventually developing it ready for sale again, the value of the land for sale will always reflect the use it will have for the buyer in the end, whether it be for commercial or for residential purposes. But it doesn’t end there. The economic use of the land will make up a big percentage of the final selling cost of the land. Of course, all permits and development fees should likewise be taken into consideration. In this process, one should be very careful. Many false agents will try to coax you into buying land that is either not legally for sale or will not be as useful even after it has been developed. Try to make sure you get in touch or make transactions only with reputable agents that you can trust.
To free yourself of land buying scams, you may also opt to sign an option agreement with your developer. This is where you as the landowner gives the developer rights to purchase the land within a set period of time, giving you the capital sum of regardless of whether the developer is successful in developing the land or not. At the developer’s side, they will not feel obliged to tie up all their capital on developing the land just to answer the pressure of time.
Crown Land is your most reliable company when it comes to land buying as they have been in the business for many years now. Having been able to build a good reputation, Crown Land knows every ins and outs of the business. Crown Land knows how you should start with your land investing plans so you end up earning and maximizing your profits. Crown Land knows what you should avoid and what you should pursue when it comes to buying the right land or developing it. With Crown Land, you are sure ensured of a hassle and worry-free land investing program.
Everybody should be aware by now how wise it is to invest in land for sale. Over the last decade, investment in land has shown fantastic results for all those who have put in money on promising land for sale. This is because of the simple law on demand and supply. The world’s population is expanding but the earth is nowhere near going any wider as it is now. So if you have the chance to buy land and the chance to develop it for residential or commercial use you might as well grab it as early as now and you will never regret having done so.
Note that in getting into the business of looking for land for sale and eventually developing it ready for sale again, the value of the land for sale will always reflect the use it will have for the buyer in the end, whether it be for commercial or for residential purposes. But it doesn’t end there. The economic use of the land will make up a big percentage of the final selling cost of the land. Of course, all permits and development fees should likewise be taken into consideration. In this process, one should be very careful. Many false agents will try to coax you into buying land that is either not legally for sale or will not be as useful even after it has been developed. Try to make sure you get in touch or make transactions only with reputable agents that you can trust.
To free yourself of land buying scams, you may also opt to sign an option agreement with your developer. This is where you as the landowner gives the developer rights to purchase the land within a set period of time, giving you the capital sum of regardless of whether the developer is successful in developing the land or not. At the developer’s side, they will not feel obliged to tie up all their capital on developing the land just to answer the pressure of time.
Crown Land is your most reliable company when it comes to land buying as they have been in the business for many years now. Having been able to build a good reputation, Crown Land knows every ins and outs of the business. Crown Land knows how you should start with your land investing plans so you end up earning and maximizing your profits. Crown Land knows what you should avoid and what you should pursue when it comes to buying the right land or developing it. With Crown Land, you are sure ensured of a hassle and worry-free land investing program.
Tips For Protecting Your Identity Online
There are many ways someone can steal your identity, and the Internet has only made it easier and more widespread of a problem. Here are some tips that will help you prevent your identity from being stolen.
Email Safer
Email is one of the easiest ways for someone to trick you into giving them your personal information and passwords. That innocent looking email with the link from your bank, credit card company, eBay or Paypal, asking you to login to your account is usually a trick, it's called "phishing". The link is disguised so that you can't tell you're going to a completely different site. At the site, they'll ask you to login or to confirm your personal information. You may be tricked into doing this, you hit submit and BAM! You've just given a hacker or scammer the keys to your account and whatever information or anything of value that may be stored in it, is now theirs. Don't click on links in emails unless you are positive that the link is legitimate. It's as easy as right clicking on the link first and checking the properties of the link. If you ever get an email from your bank, credit card company or other important financial accounts, then open up your browser and login to the site manually yourself. This prevents you from being sent to another site. In addition, you can protect yourself by keeping Windows up to date, their latest version of Internet Explorer has anti-phishing capabilities built in and will warn you if you go to a fake site. You should also avoid opening email attachments until you have scanned them for viruses.
Download Safely
When you download any files from the Internet, make sure you scan them with an updated anti-virus program first. It's a good idea to stick with downloading from trusted sites like Download.com or Snapfiles.com, as they offer programs that have already been scanned for viruses and malware.
Using Credit Cards Safely
When shopping online, use a dedicated credit card just for online purchases. This way you can more easily keep track of your purchases and monitor any suspicious activity. You should also check with your credit card company for any identity theft protection they have available for the card. A good credit card company will offer protection should someone start racking up unauthorized purchases and you would not be held liable. Even better, choose to use a credit card company that offers virtual credit cards for each transaction you make. These virtual credit card numbers are generated for one transaction only, and make it impossible for a thief to use it again.
Using Software
You should have a good anti-virus software program installed on your computer, this can help prevent malicious programs from being opened up and damaging your computer or installing programs that monitor your activity. There are also specialty program that you can install such as anti-phishing toolbars and security programs. Having a good firewall can also help protect you.
Email Safer
Email is one of the easiest ways for someone to trick you into giving them your personal information and passwords. That innocent looking email with the link from your bank, credit card company, eBay or Paypal, asking you to login to your account is usually a trick, it's called "phishing". The link is disguised so that you can't tell you're going to a completely different site. At the site, they'll ask you to login or to confirm your personal information. You may be tricked into doing this, you hit submit and BAM! You've just given a hacker or scammer the keys to your account and whatever information or anything of value that may be stored in it, is now theirs. Don't click on links in emails unless you are positive that the link is legitimate. It's as easy as right clicking on the link first and checking the properties of the link. If you ever get an email from your bank, credit card company or other important financial accounts, then open up your browser and login to the site manually yourself. This prevents you from being sent to another site. In addition, you can protect yourself by keeping Windows up to date, their latest version of Internet Explorer has anti-phishing capabilities built in and will warn you if you go to a fake site. You should also avoid opening email attachments until you have scanned them for viruses.
Download Safely
When you download any files from the Internet, make sure you scan them with an updated anti-virus program first. It's a good idea to stick with downloading from trusted sites like Download.com or Snapfiles.com, as they offer programs that have already been scanned for viruses and malware.
Using Credit Cards Safely
When shopping online, use a dedicated credit card just for online purchases. This way you can more easily keep track of your purchases and monitor any suspicious activity. You should also check with your credit card company for any identity theft protection they have available for the card. A good credit card company will offer protection should someone start racking up unauthorized purchases and you would not be held liable. Even better, choose to use a credit card company that offers virtual credit cards for each transaction you make. These virtual credit card numbers are generated for one transaction only, and make it impossible for a thief to use it again.
Using Software
You should have a good anti-virus software program installed on your computer, this can help prevent malicious programs from being opened up and damaging your computer or installing programs that monitor your activity. There are also specialty program that you can install such as anti-phishing toolbars and security programs. Having a good firewall can also help protect you.
Identity Theft - Don't blame The Internet
Identity theft – also known as ID theft, identity fraud and ID fraud – describes a type of fraud where a criminal adopts someone else’s identity in order to profit illegally. It is one of the fastest growing forms of fraud in many developed countries.
In the UK identity theft is increasing at the rate of 500% each year and, according to Which Magazine, 25% of the population have either suffered from identity theft or know someone who has.
In the USA, a report issued by the Better Business Bureau revealed that, in 2004, over 9 million Americans became victims of identity theft with the total sum defrauded being estimated at $52.6 billion.
With figures like this, it’s no surprise that there is a certain amount of concern regarding computer and internet security. After all, the internet is basically a mechanism for exchanging information and the possibility that some of the information exchanged may be more than intended is never far from many internet users’ minds.
It’s easy to imagine criminal masterminds worldwide using the internet to hack into computers in order to gain access to information with which to advance their devilishly cunning schemes. However, as revealed in the report, the facts of the matter are a little more down to earth and the internet, far from making you more at risk to identity theft, can help to significantly cut your losses if you do fall victim this form of fraud.
According to the Better Business Bureau’s research the main methods by which criminals gain access to information used for identity theft fraud are as below:
Lost or stolen wallet, cheque book or credit card. 28.8%
Accessed as part of a transaction. 12.9%*
Accessed by friend, acquaintance or relative. 11.4%
Don't know, refused, no answer. 11.1%
Information accessed by corrupt employee. 8.7%
Stolen paper mail or fraudulent change of address. 8.0%
Obtained some other way. 7.4%
Computer spyware. 5.2%
Information stolen from garbage. 2.6%
Computer viruses and/or hackers. 2.2%
Emails sent by criminals posing as legitimate business. 1.7%
* 12.9% due to transactions – 10.4% offline transactions, 2.5% online transactions.
In total, when the instances where information was accessed during transactions are subdivided into online and offline transactions, only 11.6% of the information used to carry out identity theft fraud was obtained from computers.
Of this more than half was obtained by the use of spyware, viruses or hacking – the risk of which can be greatly reduced by installing the appropriate protection software and ensuring that this is kept up to date.
Not only did the survey reveal that the internet was not a major source of illegally obtained personal information, but it was also found that those fraud victims who checked their financial records using the internet, ATM machines or other electronic methods suffered financial losses which were, on average, 8 times lower than those of victims who used traditional paper statements to monitor their accounts. This very significant reduction was attributed to the rapid discovery of the fraud due to "real time" monitoring.
Of course, that’s not to say that you shouldn’t exercise caution when using the internet or take care to protect the personal information which you may have stored on your PC. However, as long as you install suitable virus, firewall and spyware protection, and keep this continually updated the internet can should be more of a help than a hindrance when it comes to avoiding identity fraud.
In the UK identity theft is increasing at the rate of 500% each year and, according to Which Magazine, 25% of the population have either suffered from identity theft or know someone who has.
In the USA, a report issued by the Better Business Bureau revealed that, in 2004, over 9 million Americans became victims of identity theft with the total sum defrauded being estimated at $52.6 billion.
With figures like this, it’s no surprise that there is a certain amount of concern regarding computer and internet security. After all, the internet is basically a mechanism for exchanging information and the possibility that some of the information exchanged may be more than intended is never far from many internet users’ minds.
It’s easy to imagine criminal masterminds worldwide using the internet to hack into computers in order to gain access to information with which to advance their devilishly cunning schemes. However, as revealed in the report, the facts of the matter are a little more down to earth and the internet, far from making you more at risk to identity theft, can help to significantly cut your losses if you do fall victim this form of fraud.
According to the Better Business Bureau’s research the main methods by which criminals gain access to information used for identity theft fraud are as below:
Lost or stolen wallet, cheque book or credit card. 28.8%
Accessed as part of a transaction. 12.9%*
Accessed by friend, acquaintance or relative. 11.4%
Don't know, refused, no answer. 11.1%
Information accessed by corrupt employee. 8.7%
Stolen paper mail or fraudulent change of address. 8.0%
Obtained some other way. 7.4%
Computer spyware. 5.2%
Information stolen from garbage. 2.6%
Computer viruses and/or hackers. 2.2%
Emails sent by criminals posing as legitimate business. 1.7%
* 12.9% due to transactions – 10.4% offline transactions, 2.5% online transactions.
In total, when the instances where information was accessed during transactions are subdivided into online and offline transactions, only 11.6% of the information used to carry out identity theft fraud was obtained from computers.
Of this more than half was obtained by the use of spyware, viruses or hacking – the risk of which can be greatly reduced by installing the appropriate protection software and ensuring that this is kept up to date.
Not only did the survey reveal that the internet was not a major source of illegally obtained personal information, but it was also found that those fraud victims who checked their financial records using the internet, ATM machines or other electronic methods suffered financial losses which were, on average, 8 times lower than those of victims who used traditional paper statements to monitor their accounts. This very significant reduction was attributed to the rapid discovery of the fraud due to "real time" monitoring.
Of course, that’s not to say that you shouldn’t exercise caution when using the internet or take care to protect the personal information which you may have stored on your PC. However, as long as you install suitable virus, firewall and spyware protection, and keep this continually updated the internet can should be more of a help than a hindrance when it comes to avoiding identity fraud.
Super Tricks For Buying A Small Business
You have just bought a beverage vending machine from the manufacturer that cost you two thousand dollars. The next day a salesman arrives at your home claiming that he can find a location for the vending machine that will earn you two thousand dollars per month. But he wants you to give him five thousand dollars now for his efforts in advance. He is willing to give you a written guarantee that if at the end of six months you are not completely satisfied with the machines earnings your money will be fully refunded. No questions asked. That sounds like a good deal to an inexperienced person, but it is a scam.
Nobody including the salesman can predict what that vending machine will earn once it is on location. If he was sure that it would earn that much he would quit his job and go into the vending business himself. His guarantee is worthless because all companies that offer to find locations for vending machines have no assets. They thrive only on broken promises. At the end of six months when your machine is earning next to nothing the salesman and his company will be gone.
A golden rule to follow when buying a small business is never believe a seller when they speak about future earnings potential, because that is impossible to predict. If the seller believed the business had great earnings potential, the business would not be sold at the present time. But if you want to take a gamble hoping that the business you are buying has potential that is fine. Never pay the seller for earnings potential because it is an imaginary concept and it is worthless.
Before you buy a business have their books checked by a qualified accountant with experience in the type of business you are buying. You must be sure of what the earnings are because that is what you are paying for. Nothing else is more important. Be wary of being told that there is untaxed income from the business that the seller is hiding from the government. If you count on that to pay off your notes and it is not there you will go broke.
A person selling a business has a tremendous advantage over the buyer. The seller knows the business and believes he is making a wise move. The buyer knows only what he sees and most likely is overlooking the vulnerabilities of what is being bought. Even if the business is a sound one, and the price you are paying is too high, you have a big problem. If you can’t meet the notes the business will have to be returned to its former owner with you taking a big loss. Some owners are happy to see that happen because now they can look for another sucker.
Once you buy the business it is up to you to improve its earnings, because if you don’t the notes you are paying leaves you with very little. That means that you must be a better businessman than the former owner. If you are better, you have bought a good business.
Nobody including the salesman can predict what that vending machine will earn once it is on location. If he was sure that it would earn that much he would quit his job and go into the vending business himself. His guarantee is worthless because all companies that offer to find locations for vending machines have no assets. They thrive only on broken promises. At the end of six months when your machine is earning next to nothing the salesman and his company will be gone.
A golden rule to follow when buying a small business is never believe a seller when they speak about future earnings potential, because that is impossible to predict. If the seller believed the business had great earnings potential, the business would not be sold at the present time. But if you want to take a gamble hoping that the business you are buying has potential that is fine. Never pay the seller for earnings potential because it is an imaginary concept and it is worthless.
Before you buy a business have their books checked by a qualified accountant with experience in the type of business you are buying. You must be sure of what the earnings are because that is what you are paying for. Nothing else is more important. Be wary of being told that there is untaxed income from the business that the seller is hiding from the government. If you count on that to pay off your notes and it is not there you will go broke.
A person selling a business has a tremendous advantage over the buyer. The seller knows the business and believes he is making a wise move. The buyer knows only what he sees and most likely is overlooking the vulnerabilities of what is being bought. Even if the business is a sound one, and the price you are paying is too high, you have a big problem. If you can’t meet the notes the business will have to be returned to its former owner with you taking a big loss. Some owners are happy to see that happen because now they can look for another sucker.
Once you buy the business it is up to you to improve its earnings, because if you don’t the notes you are paying leaves you with very little. That means that you must be a better businessman than the former owner. If you are better, you have bought a good business.
I’m new to Ebay, What Scams Are Out There?
I have been looking at the possibility of doing some Ebay trading. And, since I have been on the Internet for a while, I decided that I should see what Ebay scams, if any, was floating about. Why? It is always good to be aware of the good, the bad, and the ugly of any online venture. And since, I’ve seen all sides – it’s wise to have cautious optimism.
Wholesale List Scam
With this scam, the wholesaler gives you a photo of say, a computer monitor or DVD – the buyer is under the assumption that they are buying a monitor or DVD, right? Wrong? You may only be buying a wholesale list. This is what they call a "bait and switch". They are hoping that the individual is in a hurry or cannot read English well, and they blindly buy. Rule of thumb: read everything before buying.
Note: Wholesale List scams are very common for monitors, laptops, camcorders, DVD players, flat screen televisions and mp3 players; cutting-edge electronic devices.
Fake Money Order
The buyer sends the seller a fake money order, a bad check – and the seller sends the item before the money order or check has been successfully cashed. Seller is out the item and the money.
Credit Card Chargeback’s
The buyer pays with a credit card through PayPal. Once the buyer has received the item, the buyer initiates a chargeback. This is where the novice comes in, if you do not have proof that the item was sent – you are out the money, the item, and you have to pay a chargeback fee. Rule of thumb: Send your item through UPS, or certified mail to protect yourself.
Fake Escrow Scam
The scammer says that they want to buy your item, but they want to use an escrow service. The purpose of the escrow service is to add a layer of protection for the buyer. They will hold on to the money, and once the buyer has received the item from the seller, the escrow service will release the money to the seller. This is where the scam comes in – The buyer will request that you use the escrow service that they, so they say, have used with other transactions. The escrow service is a front – set up by the buyer.
Email Ebay Scam The email Ebay scam – is an email that says it has come from Ebay. The email will state that it looks like your account has been compromised and they would like you to verify the information, for your protection, of course. Never click the link. Open a new Internet session and manually type the information to get into your account.
Other email scams, include the fake payment received email. You will receive a payment-received notice, that looks authentic, but be aware, it could have been sent by the buyer. Never send anything, until you have verified that the payment has been received and the info received is valid.
To conclude, when you are looking at any new venture, it is always good to do the research and be aware of what you may be up against. It hard enough to start any business – and you definitely don’t want anyone running off with your hard earned money. Being aware – can keep your business moving forward.
Wholesale List Scam
With this scam, the wholesaler gives you a photo of say, a computer monitor or DVD – the buyer is under the assumption that they are buying a monitor or DVD, right? Wrong? You may only be buying a wholesale list. This is what they call a "bait and switch". They are hoping that the individual is in a hurry or cannot read English well, and they blindly buy. Rule of thumb: read everything before buying.
Note: Wholesale List scams are very common for monitors, laptops, camcorders, DVD players, flat screen televisions and mp3 players; cutting-edge electronic devices.
Fake Money Order
The buyer sends the seller a fake money order, a bad check – and the seller sends the item before the money order or check has been successfully cashed. Seller is out the item and the money.
Credit Card Chargeback’s
The buyer pays with a credit card through PayPal. Once the buyer has received the item, the buyer initiates a chargeback. This is where the novice comes in, if you do not have proof that the item was sent – you are out the money, the item, and you have to pay a chargeback fee. Rule of thumb: Send your item through UPS, or certified mail to protect yourself.
Fake Escrow Scam
The scammer says that they want to buy your item, but they want to use an escrow service. The purpose of the escrow service is to add a layer of protection for the buyer. They will hold on to the money, and once the buyer has received the item from the seller, the escrow service will release the money to the seller. This is where the scam comes in – The buyer will request that you use the escrow service that they, so they say, have used with other transactions. The escrow service is a front – set up by the buyer.
Email Ebay Scam The email Ebay scam – is an email that says it has come from Ebay. The email will state that it looks like your account has been compromised and they would like you to verify the information, for your protection, of course. Never click the link. Open a new Internet session and manually type the information to get into your account.
Other email scams, include the fake payment received email. You will receive a payment-received notice, that looks authentic, but be aware, it could have been sent by the buyer. Never send anything, until you have verified that the payment has been received and the info received is valid.
To conclude, when you are looking at any new venture, it is always good to do the research and be aware of what you may be up against. It hard enough to start any business – and you definitely don’t want anyone running off with your hard earned money. Being aware – can keep your business moving forward.
Review Of MyInternetBusiness - Scam Or Legitimate?
MyInternetBusiness is the latest high ticket online marketing program to hit the internet. So what is the program and is it a scam or not?
The Company
Darren Gaudry, the founder and CEO of Passport To Wealth, along with some other expert marketers have developed this new business system. With a launch date of April 1, 2008, My Internet Business was offered exclusively to the members of Passport To Wealth during its pre-launch. The members of Passport To Wealth were given a discounted membership rate to enroll during the pre-launch period. Although the two companies are separate, MyInternetBusiness does appear to just be an updated, revised takeoff of Passport To Wealth.
The Products
The My Internet Business product line appears to be the same general fare offered by other high ticket programs. Included are the traditional library of ebooks and bundles of software. Unfortunately, they do not appear to have any new, real proprietary products. This is unfortunate for their distributors as that is what the market is demanding, unique, one of a kind products.
Cost To Join And Compensation Plan
There are 4 different options to join the company at:
* Bronze Level - $495 to join, $300 for direct sales, $100 for overrides
* Silver Level - $995 to join, $700 for direct sales, $150 overrides
* Gold Level - $1995 to join, $1500 direct sales, $300 for overrides
* Platinum Level - $2995 to join, $2000 direct sales, $500 for overrides
The pay structure is an immediate comp plan, having done away with the dinosaur 2up comp plan of Passport To Wealth. This means that you will be paid on your first sale, rather than having to pass up your first 2 sales to your personal sponsor.
My Internet Business does offer a call center where you can hire your own PBA (Professional Business Assistant). Your PBA will take the calls from your incoming prospects and you will pay them a portion of your commission for closing your sales for you.
Conclusion
Although MyInternetBusiness is not a scam, it does appear to have some negative attributes. It appears that My Internet Business was designed to eliminate the failed 2up comp plan of Passport to Wealth. Although the 2up comp plan did need to be thrown out, the pay plan of MyInternetBusiness does not appear to be as lucrative as some of its competitors.
The way to achieve duplication and massive leverage is through a matching override comp plan such as Big Ticket To Wealth offers. When you have people earning the same amount for personal sales as well as overrides, this creates an environment of team synergy. You will be much more motivated to train and help your people when you are earning a matching override bonus from their efforts.
The other concern is with the products. They appear to be the standard fare with nothing fresh and new to offer. This could make it difficult for their affiliates to market the program.
The Company
Darren Gaudry, the founder and CEO of Passport To Wealth, along with some other expert marketers have developed this new business system. With a launch date of April 1, 2008, My Internet Business was offered exclusively to the members of Passport To Wealth during its pre-launch. The members of Passport To Wealth were given a discounted membership rate to enroll during the pre-launch period. Although the two companies are separate, MyInternetBusiness does appear to just be an updated, revised takeoff of Passport To Wealth.
The Products
The My Internet Business product line appears to be the same general fare offered by other high ticket programs. Included are the traditional library of ebooks and bundles of software. Unfortunately, they do not appear to have any new, real proprietary products. This is unfortunate for their distributors as that is what the market is demanding, unique, one of a kind products.
Cost To Join And Compensation Plan
There are 4 different options to join the company at:
* Bronze Level - $495 to join, $300 for direct sales, $100 for overrides
* Silver Level - $995 to join, $700 for direct sales, $150 overrides
* Gold Level - $1995 to join, $1500 direct sales, $300 for overrides
* Platinum Level - $2995 to join, $2000 direct sales, $500 for overrides
The pay structure is an immediate comp plan, having done away with the dinosaur 2up comp plan of Passport To Wealth. This means that you will be paid on your first sale, rather than having to pass up your first 2 sales to your personal sponsor.
My Internet Business does offer a call center where you can hire your own PBA (Professional Business Assistant). Your PBA will take the calls from your incoming prospects and you will pay them a portion of your commission for closing your sales for you.
Conclusion
Although MyInternetBusiness is not a scam, it does appear to have some negative attributes. It appears that My Internet Business was designed to eliminate the failed 2up comp plan of Passport to Wealth. Although the 2up comp plan did need to be thrown out, the pay plan of MyInternetBusiness does not appear to be as lucrative as some of its competitors.
The way to achieve duplication and massive leverage is through a matching override comp plan such as Big Ticket To Wealth offers. When you have people earning the same amount for personal sales as well as overrides, this creates an environment of team synergy. You will be much more motivated to train and help your people when you are earning a matching override bonus from their efforts.
The other concern is with the products. They appear to be the standard fare with nothing fresh and new to offer. This could make it difficult for their affiliates to market the program.
How To Avoid Fraud, Deceit & Scams!
The world is full of people who feel they can take advantage of others to obtain their goals in life. Fraud, Deceit & Scams happen in the real world every day. Just tune into your local news to hear about them. But, Fraud, Deceit & Scams also happen in the virtual world as well. And, unfortunately they often hit those who least can afford the losses.
Online we are always inundated with "get rich quick schemes" and their claims of "overnight success". If you're like me you find this kind of s.p.a.m clogging up your email box on a daily bases. They tell us how easy it is. How we can just sit back and relax, do nothing all day long and still make a roll full of money. Hell, we might as well go golfing because we'll be making money hand over fist while on the golf course. :-| Now while sitting back and watching the money roll in would definitely be nice, reality is, rarely does any get rich quick scheme ever work. The promises of millions never pan out no matter how hard you try.
The problem here is that so many people want and need to make more money. And they want to make that money as quickly as they can. So they believe, or hope that what the scammer is telling them will be true. But understand this, even the greatest, largest companies in the world took time and work to build. Martha Stewart for example will tell you that she started her business in the basement of her house. And look where that business is today. A multibillion dollar a year corporation. While we all can't be Martha Stewart or Donald Trump or Hugh Heffner we can have our own successful home based business if we just stay away from the scams.
So, how do we spot the scams? Well, if you are serious about operating your own home based business there are things you can watch out for. Sort of the red flags of the business opportunity world. Let's have a look at some now.
- Charging you for information about their business opportunity. It's pretty plain and simple. A so called business opportunity tells you all you have to do is go to your mail box pick up the checks and cash them, but first you must send them a check to get the information on how this is done. I'm of the thinking that your check is going to be the only check getting cashed here. This type of ad appears all over the internet. But if their business opportunity is so good why must you pay to find out what it is. Would it not make more sense to give you that information for free so they could get you interested in their product. I would think so! And unfortunately many people get scammed into sending these frauds the money they ask for. Then if they receive the information they paid for they will often find it pretty much useless and often they are require sending more money for more information. Stay away from these types of ads, they will not get you a successful home based business!
- They want to charge you a fee to sell their products. O.K., I've got to ask - What's up with that?! If their product is so great won't you be selling them like crazy? Won't you be making money for not only yourself but for the company as well? Don't pay to sell someone else's products.
Online we are always inundated with "get rich quick schemes" and their claims of "overnight success". If you're like me you find this kind of s.p.a.m clogging up your email box on a daily bases. They tell us how easy it is. How we can just sit back and relax, do nothing all day long and still make a roll full of money. Hell, we might as well go golfing because we'll be making money hand over fist while on the golf course. :-| Now while sitting back and watching the money roll in would definitely be nice, reality is, rarely does any get rich quick scheme ever work. The promises of millions never pan out no matter how hard you try.
The problem here is that so many people want and need to make more money. And they want to make that money as quickly as they can. So they believe, or hope that what the scammer is telling them will be true. But understand this, even the greatest, largest companies in the world took time and work to build. Martha Stewart for example will tell you that she started her business in the basement of her house. And look where that business is today. A multibillion dollar a year corporation. While we all can't be Martha Stewart or Donald Trump or Hugh Heffner we can have our own successful home based business if we just stay away from the scams.
So, how do we spot the scams? Well, if you are serious about operating your own home based business there are things you can watch out for. Sort of the red flags of the business opportunity world. Let's have a look at some now.
- Charging you for information about their business opportunity. It's pretty plain and simple. A so called business opportunity tells you all you have to do is go to your mail box pick up the checks and cash them, but first you must send them a check to get the information on how this is done. I'm of the thinking that your check is going to be the only check getting cashed here. This type of ad appears all over the internet. But if their business opportunity is so good why must you pay to find out what it is. Would it not make more sense to give you that information for free so they could get you interested in their product. I would think so! And unfortunately many people get scammed into sending these frauds the money they ask for. Then if they receive the information they paid for they will often find it pretty much useless and often they are require sending more money for more information. Stay away from these types of ads, they will not get you a successful home based business!
- They want to charge you a fee to sell their products. O.K., I've got to ask - What's up with that?! If their product is so great won't you be selling them like crazy? Won't you be making money for not only yourself but for the company as well? Don't pay to sell someone else's products.
To Cash Gift or Not - That is the Question
The Final Choice Is Up To You
To Choose Cash Gifting, like anything else in life, you must first do your research to determine if this is something you want to take up. It is always prudent to check out the waters before jumping in head first. The simplicity of cash gifting does not require a lot of research, but there are a couple of areas that one should check out thoroughly before getting involved. Cash gifting is the private or public act of giving to another a declared sum of cash and giving it freely without coercion or consideration. Cash gifting is not a loan or a payment for goods or services and does not need to be repaid. It is called cash gifting because that's exactly what it is... the action of giving a gift of cash. Cash Gifting Programs promote the gifting of cash There are two supporting areas here; that of the Constitution and the IRS tax code. Yes, Cash gifting is a legal activity. This is the first question most people ask when they start to see the potential of cash gifting. Both American and Canadian citizens have the Constitutional right to gift property, cash and other assets. The U.S. gifting rules are found in the IRS Tax Code, Title 26, Sections 2501-2504 and 2511. The law states that one or more individuals can give a gift to another individual of up to $12,000 each per calendar year without any tax liability to either the giver or receiver of the gift, because the tax on the gift has already been paid. These gifts are not included in the gross income of the recipient. The official IRS.gov website goes into great detail regarding tax free cash gifts. You can see what the IRS has to say about these programs by visiting: http://www.irs.gov/pub/irs-pdf/p950.pdf - Go ahead, see for yourself and dispel any uncertainties. This will undoubtedly be the most time consuming part of your research, due in part to the number of active programs now on the internet as well as the number of people involved. This is question number one. After you understand just what a cash gifting program is, you then need to determine what each program considers their primary focus. If all they talk about is the money, turn around and run, don’t walk as fast as you can in another direction. If your chosen programs’ primary focus is not mentoring and support, you will find it very difficult to have any success with them. As with any new endeavor, if you are left out to sea with out a paddle, the ship may never make it back to shore. Your chosen program and mentor must first and foremost focus on support and be willing to share with you the information you need to make your activity grow and become the success you desire. Each program is a little different than that of the other, but essentially they all share one common thread. That is; a one on one invitation to join the inviter and copy what they are doing. Thereby producing the same results. How each inviter is accomplishing their results can sometimes be a very guarded secret. But all programs will include basic information that is passed on down from one to another to be used as a kick off point. From there you can use the basics alone, or improve and add to the tool box to continue to build your own activity.
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Tips For Finding The Best Credit Repair Company...And Avoiding a Credit Repair Scam
Getting started with repairing your credit is one of the very best things you can do for your financial well being. At the hands of the credit system, you are being abused in the form of inaccurate reporting and an unfair credit scoring model. Through credit repair, you can do your part to make sure you get the credit score you deserve - a credit score that is truly indicative of your credit worthiness.
Choosing the right credit repair company to help you achieve your credit goals is pivotal. What follows are tips and things you should look for when choosing the best credit repair company for you.
1) Look for a credit repair company with experience
An experienced credit repair company will have taken the time to learn what tactics work best for each type of dispute. Having a large number of clients and a track record of removing many items means that a credit repair company has enough information to know what works and what does not.
2) Look for a credit repair company that has been in business for a while
Credit repair, like many other industries, has it's fair share of scammers. Preying on desperate people who long for a better credit score, fraudulent "credit repair" companies promise amazing results but the only thing they manage to do is take off with your money.
Fortunately, these companies never last very long. They are either run out of town or shut down by the FTC or local law enforcement. What this means for you is that you can usually trust a credit repair company that has been in business for a number of years.
3) Check out the company's BBB report
To start with, look for the BBB's rating of the company and their explanation of this rating. For example, the BBB report for the credit repair company Credit Bureau Experts shows the company as having an unsatisfactory rating because of unsubstantiated advertising claims made on their site.
Also look at the number of unresolved complaints to see if the company has been responsive to their customer's problems. Almost all companies will have some complaints, and the larger the company the more complaints it will have, but it is how they deal with these complaints that is important. Look for a company that addresses the concerns of its clients as opposed to a company like Credit Fix Now (see BBB report) who has an unsatisfactory rating with the BBB for not responding to to complaints.
4) Get the details on the company's payment policy
A common tactic of fraudulent credit repair companies is to charge you a large fee upfront and then either disappear with your money or otherwise not perform the agreed upon work. Many of the companies have been known to charge several hundred or even thousands of dollars before they will do any credit repair work.
Even though the practice of charging large upfront fees is illegal, there are still a number of smaller credit repair companies that try to get away with it. For example, the companies Credit Clean and Today's Credit Solutions are perfectly content to charge you one time fees of $1223 and $499.99 respectively for a year's worth of credit repair service. Granted, these companies may offer money back warranties, but that will be of little use to you if the company goes out of business or otherwise disappears.
5) Watch out for companies that guarantee to raise your credit score
To help protect you against credit repair companies who make impossible claims, the Credit Repair Organizations Act also forbids any credit repair organization from making guarantees about the results of their service when it pertains the the effect it will have on your credit reports.
While searching for a credit repair company, take note of any claims to "increase your credit score by 100 points", "lower your interest rates", or "remove all negative items from your credit reports". No company can legally make these claims and any company who implies they can should be avoided.
Choosing the right credit repair company to help you achieve your credit goals is pivotal. What follows are tips and things you should look for when choosing the best credit repair company for you.
1) Look for a credit repair company with experience
An experienced credit repair company will have taken the time to learn what tactics work best for each type of dispute. Having a large number of clients and a track record of removing many items means that a credit repair company has enough information to know what works and what does not.
2) Look for a credit repair company that has been in business for a while
Credit repair, like many other industries, has it's fair share of scammers. Preying on desperate people who long for a better credit score, fraudulent "credit repair" companies promise amazing results but the only thing they manage to do is take off with your money.
Fortunately, these companies never last very long. They are either run out of town or shut down by the FTC or local law enforcement. What this means for you is that you can usually trust a credit repair company that has been in business for a number of years.
3) Check out the company's BBB report
To start with, look for the BBB's rating of the company and their explanation of this rating. For example, the BBB report for the credit repair company Credit Bureau Experts shows the company as having an unsatisfactory rating because of unsubstantiated advertising claims made on their site.
Also look at the number of unresolved complaints to see if the company has been responsive to their customer's problems. Almost all companies will have some complaints, and the larger the company the more complaints it will have, but it is how they deal with these complaints that is important. Look for a company that addresses the concerns of its clients as opposed to a company like Credit Fix Now (see BBB report) who has an unsatisfactory rating with the BBB for not responding to to complaints.
4) Get the details on the company's payment policy
A common tactic of fraudulent credit repair companies is to charge you a large fee upfront and then either disappear with your money or otherwise not perform the agreed upon work. Many of the companies have been known to charge several hundred or even thousands of dollars before they will do any credit repair work.
Even though the practice of charging large upfront fees is illegal, there are still a number of smaller credit repair companies that try to get away with it. For example, the companies Credit Clean and Today's Credit Solutions are perfectly content to charge you one time fees of $1223 and $499.99 respectively for a year's worth of credit repair service. Granted, these companies may offer money back warranties, but that will be of little use to you if the company goes out of business or otherwise disappears.
5) Watch out for companies that guarantee to raise your credit score
To help protect you against credit repair companies who make impossible claims, the Credit Repair Organizations Act also forbids any credit repair organization from making guarantees about the results of their service when it pertains the the effect it will have on your credit reports.
While searching for a credit repair company, take note of any claims to "increase your credit score by 100 points", "lower your interest rates", or "remove all negative items from your credit reports". No company can legally make these claims and any company who implies they can should be avoided.
Work At Home Scams: Drop Shippers and Wholesalers
The question all eBay users ask when they want to start an online business is "Who is a good Drop Shipper?" or "Where can I find a Wholesaler?"
A drop shipper sells items to you at a wholesale price and when you order, they ship directly to the customer. There are some big name drop shippers who supply electronics and software to major online retailers. When you order from one of these retailers, your package is actually shipped from the drop shipper using the retailer’s information on the receipt. You may have noticed that when you receive items you ordered from different companies, sometimes they have exactly the same type of receipt in the box. This is because they use the same drop shipper and that drop shipper simply changes the company name when they ship.
A wholesaler is a company that will sell single items to you at a price below retail. True wholesale prices are usually at 50% below retail costs. You must purchase items in bulk and then re-ship them to your own customers.
These are the two types of companies every eBay entrepreneur dreams of finding. If you search eBay, you will find many claiming to offer such services and you may receive such messages by email but every one of these offers is a scam.
You sell item X on eBay, then you login to your drop shipper’s website and tell them to ship product X to the customer and bill you the wholesale amount. Your profit is the difference between the amount you sold the item for and the amount the drop shipper charges. At least that is how drop shippers are supposed to work.
The majority of drop shipping services are con games to obtain an up-front fee. Commonly you will pay $100 or more or pay a monthly fee to become a member. You cannot see what they offer or pricing until after you are a member. When you do login to their database, you find their items are junk, are overpriced, or are all listed as out of stock.
Drop shipping companies will never sell items at a large discount to individual sellers. Unless you are buying 10,000 items at a time or guaranteeing to buy $100,000 every month, you will never receive preferred pricing.
There are outright crooked drop shippers. These companies will charge up-front fees then when you try to order anything, the status will change to unavailable even if it was available ten seconds earlier. If you just sold this item on eBay, you have a customer expecting an item to be shipped and you have a drop shipper saying the item that was available is no longer available. This creates a serious problem for the seller.
Some of these dishonest companies have nothing but junk. They purchase items from China for $0.25 and then try to sell them to you for $7 while telling you the retail price is $30.
If you check eBay first, you will see that no one is buying the items that are already listed, and they are listed for much less, maybe even less than $7. No one wants a flower vase from China and no one in their right mind will pay $30 for one on eBay. These companies offer worthless products. If the products were good, they would be selling the products themselves. The companies make money by collecting your name to re-sell to other companies and by charging you a monthly fee. They know the average person will stay with their service three to seven months before giving up and canceling.
Don’t fall for the eBay drop shipper scam. If there were a good drop shipper, everyone would know. In my ten years on eBay, I have never found a good drop shipper. They are all either dishonest, incompetent, or they misrepresent the services they can provide.
This includes the ‘big-boys’ who drop ship for larger electronics and computer parts websites. Those sites make six figure deals to get better pricing. Then the drop shippers offer you the same service but they will charge you an upfront fee plus you must pay higher than retail price for your wholesale items. I have personally signed up and paid a $100 registration fee for a certain major drop shipper who offered a computer harddrive for $120 as their wholesale price but the same drive was selling retail for $80 at hundreds of sites on the web. Their so called wholesale price was higher than the actual retail price.
No company has any incentive to be a good drop shipper. If they could ship the items and they had good items to ship, they would sell the items themselves and would not need you. They will only offer good pricing to companies that buy hundreds of thousands of dollars per month from them. There are no good drop shippers.
All is not lost!
Now that I have debunked the two biggest myths about making money on eBay, drop-shippers and wholesalers, you may be wondering how anyone obtains a product to sell on eBay. This is how you can do it:
Each of these methods allows you to sell a valuable item with little or no investment. You do not have to pay any upfront charges or membership fees for any of these either because you are in control.
Among these choices, making your own product is by far the highest profit and easiest. This is part of a new marketing trend called Information Marketing. Information marketing is a system that allows anyone to produce inexpensive eBooks, CD’s or audio files, video files or other digital products quickly and easily which they can then re-sell at extremely high mark-ups. You do not need any previous experience in these fields. It can be as simple as talking about a topic you are familiar with and letting someone else do the work. Some of the advantages of Information Marketing are the low startup cost, sometimes zero, ability to target niche markets that have little or no competition, ability to test a market without any risk, and the ease of producing a valuable product at a low per unit cost.
You can find more information explaining how Information Marketing works both with eBay and through your own website and how the other money making techniques can help you start a business at www.dontbidonit.com
A drop shipper sells items to you at a wholesale price and when you order, they ship directly to the customer. There are some big name drop shippers who supply electronics and software to major online retailers. When you order from one of these retailers, your package is actually shipped from the drop shipper using the retailer’s information on the receipt. You may have noticed that when you receive items you ordered from different companies, sometimes they have exactly the same type of receipt in the box. This is because they use the same drop shipper and that drop shipper simply changes the company name when they ship.
A wholesaler is a company that will sell single items to you at a price below retail. True wholesale prices are usually at 50% below retail costs. You must purchase items in bulk and then re-ship them to your own customers.
These are the two types of companies every eBay entrepreneur dreams of finding. If you search eBay, you will find many claiming to offer such services and you may receive such messages by email but every one of these offers is a scam.
You sell item X on eBay, then you login to your drop shipper’s website and tell them to ship product X to the customer and bill you the wholesale amount. Your profit is the difference between the amount you sold the item for and the amount the drop shipper charges. At least that is how drop shippers are supposed to work.
The majority of drop shipping services are con games to obtain an up-front fee. Commonly you will pay $100 or more or pay a monthly fee to become a member. You cannot see what they offer or pricing until after you are a member. When you do login to their database, you find their items are junk, are overpriced, or are all listed as out of stock.
Drop shipping companies will never sell items at a large discount to individual sellers. Unless you are buying 10,000 items at a time or guaranteeing to buy $100,000 every month, you will never receive preferred pricing.
There are outright crooked drop shippers. These companies will charge up-front fees then when you try to order anything, the status will change to unavailable even if it was available ten seconds earlier. If you just sold this item on eBay, you have a customer expecting an item to be shipped and you have a drop shipper saying the item that was available is no longer available. This creates a serious problem for the seller.
Some of these dishonest companies have nothing but junk. They purchase items from China for $0.25 and then try to sell them to you for $7 while telling you the retail price is $30.
If you check eBay first, you will see that no one is buying the items that are already listed, and they are listed for much less, maybe even less than $7. No one wants a flower vase from China and no one in their right mind will pay $30 for one on eBay. These companies offer worthless products. If the products were good, they would be selling the products themselves. The companies make money by collecting your name to re-sell to other companies and by charging you a monthly fee. They know the average person will stay with their service three to seven months before giving up and canceling.
Don’t fall for the eBay drop shipper scam. If there were a good drop shipper, everyone would know. In my ten years on eBay, I have never found a good drop shipper. They are all either dishonest, incompetent, or they misrepresent the services they can provide.
This includes the ‘big-boys’ who drop ship for larger electronics and computer parts websites. Those sites make six figure deals to get better pricing. Then the drop shippers offer you the same service but they will charge you an upfront fee plus you must pay higher than retail price for your wholesale items. I have personally signed up and paid a $100 registration fee for a certain major drop shipper who offered a computer harddrive for $120 as their wholesale price but the same drive was selling retail for $80 at hundreds of sites on the web. Their so called wholesale price was higher than the actual retail price.
No company has any incentive to be a good drop shipper. If they could ship the items and they had good items to ship, they would sell the items themselves and would not need you. They will only offer good pricing to companies that buy hundreds of thousands of dollars per month from them. There are no good drop shippers.
All is not lost!
Now that I have debunked the two biggest myths about making money on eBay, drop-shippers and wholesalers, you may be wondering how anyone obtains a product to sell on eBay. This is how you can do it:
- Make your own product
- Find a specialized niche wholesaler
- Re-sell someone else’s information product
- Modify or combine an existing product to add value
Each of these methods allows you to sell a valuable item with little or no investment. You do not have to pay any upfront charges or membership fees for any of these either because you are in control.
Among these choices, making your own product is by far the highest profit and easiest. This is part of a new marketing trend called Information Marketing. Information marketing is a system that allows anyone to produce inexpensive eBooks, CD’s or audio files, video files or other digital products quickly and easily which they can then re-sell at extremely high mark-ups. You do not need any previous experience in these fields. It can be as simple as talking about a topic you are familiar with and letting someone else do the work. Some of the advantages of Information Marketing are the low startup cost, sometimes zero, ability to target niche markets that have little or no competition, ability to test a market without any risk, and the ease of producing a valuable product at a low per unit cost.
You can find more information explaining how Information Marketing works both with eBay and through your own website and how the other money making techniques can help you start a business at www.dontbidonit.com
Online Identity Theft And Your Child
Why is identity theft the #1 top dollar online crime and how can you protect yourself?
Identity theft is a huge criminal business online. Crooks obtain your personal information and use it to gain access to your bank accounts, your online shopping accounts, or they setup new credit cards using your name. Not only do they target you, they target your child!
Children often use the Internet without supervision and they may not hesitate to give information to a new website they received an email about or one they found on a message board. Today many children have limited use credit cards which their parents control. This gives them more of a presence at online merchants, including fraudulent merchants.
You may think that it could not happen to you but it can happen without you ever knowing until it is too late and the collection agency or worse, the police are pounding on your door. You or your child may inadvertently provide information to a fraudulent website that looks just like a legitimate site.
You may mistakenly think that identity theft results from hackers breaking into computers. Actually, hacking into a company computer to obtain useful information is very rare. It is extremely difficult to hack into a computer. It requires a great deal of specialized knowledge and it takes a lot of time. Those who have access to credit card numbers and personal information do not normally have the criminal connections to make use of it.
Professional criminals do not waste their time on scams that are difficult or have no guaranteed results like slowly hacking computers. Professional criminals will go after victims directly. They know they can obtain personal information from you much more easily than hacking a computer database.
Criminals have devised a number of methods to steal your information, but they all come down to basic psychology. The criminals setup elaborate trips to trick you into giving up your information freely and willingly. They send out millions of phishing emails. These emails are Fishing for information. The emails may offer fake jobs, they may appear to be from legitimate companies, companies you trust.
You may have received an email that appeared to be from your bank, PayPal, eBay, Amazon.com, or any other name you know and trust. Criminals can easily make fake look-alike emails that look exactly like the real company emails. These fake emails then lead you to a spoof website which looks and works exactly like the real website but there is one major difference! This spoof site is run by a criminal.
When you type in your bank password, your PayPal password, your eBay password, or any other information, you are giving it to a criminal. The criminal will then log into your PayPal account or bank account and transfer out as much money as they can, then use your account to scam other people. They will login to your eBay account and sell expensive items, collect the money and disappear leaving you holding the bag and trying to explain to detectives why they should not arrest you.
The old advice about checking for your real name in the email or verifying the email address in these phishing messages no longer works. More industrious criminals are now using eBay and other sites to collect basic information like your name and email address and sending customized phishing emails which sometimes look more convincing than the real emails.
They also use a two step method. First they obtain basic information like your name and phone number. Then they have other criminals use more conventional telemarketing scams to steal your personal information. Fake loan websites only want to obtain your name and phone number. They will then have criminal associates call you and offer loans, claim you have won a contest, ask for a donation to charity, claim they are with the police or a major company, or anything else they think will trick you into giving them your credit card number or personal information by phone. Even if you are very careful online, these scammers can sound very convincing and even fake Caller ID information to make themselves look legitimate. They collect only basic information online and go for the real illegal payoff by phone or mail.
Fortunately there is a solution to the problem which is free, easy, and will protect you from not only phishing sites, but thousands of other known fraudulent sites on the Internet. The My Little Mole Toolbar has more than a cutsie name and logo going for it. This is a free toolbar that works with Internet Explorer or Firefox to warn you if you are tricked into going to one of these spoof websites or a known fraudulent website. The software pops up a warning if you go to a known crooked website so you immediately know if you are in danger.
The toolbar also has built in search features for Google, Amazon.com, and eBay which allow it to replace several other toolbars. It also allows eBay and Amazon users to select which country’s website to search so it is internationally friendly.
There are anti-phishing features built into Internet Explorer, but according to Michael Ford, the toolbar designer, "The IE anti-phishing feature is practically useless. It depends on people reporting phishing sites which means thousands of people can be scammed before it is disabled. My Little Mole will warn you every time and does not depend on anyone reporting anything. It is completely automatic. IE also does not warn about the thousands of other known fraudulent sites that are only setup to steal credit card numbers or other information. The same is true with any anti-phishing/anti-virus software I have seen. They simply do not work to protect the user until thousands have been scammed. I have seen some scam sites that have been active for months with no one else warning about them but My Little Mole."
Mr. Ford went on to say that the My Little Mole toolbar uses an intelligent fingerprinting system which will catch fraudulent sites even if they move to a new domain, and even if they change their site completely, it will usually still warn the viewer before they enter any information they should not.
This toolbar could also end spam as we know it.
According to Mr. Ford, the toolbar designer, "The problem with other anti-spam efforts has been in trying to stop the spam email itself. I want to take away the profit motive and make spam unprofitable. When anyone goes to a dishonest website that advertises by spam, or a scam site that is only setup to steal credit card numbers or personal information, they will receive a warning telling them not to use the site. If crooks cannot make money sending spam, then they will stop because it becomes a waste of time for them."
I cannot stress how important this toolbar is for every Internet user. If it only prevents you from being scammed once, or having your identity stolen once, it is more than worth the price which is FREE!
You can download this free toolbar at www.MyLittleMole.com
Identity theft is a huge criminal business online. Crooks obtain your personal information and use it to gain access to your bank accounts, your online shopping accounts, or they setup new credit cards using your name. Not only do they target you, they target your child!
Children often use the Internet without supervision and they may not hesitate to give information to a new website they received an email about or one they found on a message board. Today many children have limited use credit cards which their parents control. This gives them more of a presence at online merchants, including fraudulent merchants.
You may think that it could not happen to you but it can happen without you ever knowing until it is too late and the collection agency or worse, the police are pounding on your door. You or your child may inadvertently provide information to a fraudulent website that looks just like a legitimate site.
You may mistakenly think that identity theft results from hackers breaking into computers. Actually, hacking into a company computer to obtain useful information is very rare. It is extremely difficult to hack into a computer. It requires a great deal of specialized knowledge and it takes a lot of time. Those who have access to credit card numbers and personal information do not normally have the criminal connections to make use of it.
Professional criminals do not waste their time on scams that are difficult or have no guaranteed results like slowly hacking computers. Professional criminals will go after victims directly. They know they can obtain personal information from you much more easily than hacking a computer database.
Criminals have devised a number of methods to steal your information, but they all come down to basic psychology. The criminals setup elaborate trips to trick you into giving up your information freely and willingly. They send out millions of phishing emails. These emails are Fishing for information. The emails may offer fake jobs, they may appear to be from legitimate companies, companies you trust.
You may have received an email that appeared to be from your bank, PayPal, eBay, Amazon.com, or any other name you know and trust. Criminals can easily make fake look-alike emails that look exactly like the real company emails. These fake emails then lead you to a spoof website which looks and works exactly like the real website but there is one major difference! This spoof site is run by a criminal.
When you type in your bank password, your PayPal password, your eBay password, or any other information, you are giving it to a criminal. The criminal will then log into your PayPal account or bank account and transfer out as much money as they can, then use your account to scam other people. They will login to your eBay account and sell expensive items, collect the money and disappear leaving you holding the bag and trying to explain to detectives why they should not arrest you.
The old advice about checking for your real name in the email or verifying the email address in these phishing messages no longer works. More industrious criminals are now using eBay and other sites to collect basic information like your name and email address and sending customized phishing emails which sometimes look more convincing than the real emails.
They also use a two step method. First they obtain basic information like your name and phone number. Then they have other criminals use more conventional telemarketing scams to steal your personal information. Fake loan websites only want to obtain your name and phone number. They will then have criminal associates call you and offer loans, claim you have won a contest, ask for a donation to charity, claim they are with the police or a major company, or anything else they think will trick you into giving them your credit card number or personal information by phone. Even if you are very careful online, these scammers can sound very convincing and even fake Caller ID information to make themselves look legitimate. They collect only basic information online and go for the real illegal payoff by phone or mail.
Fortunately there is a solution to the problem which is free, easy, and will protect you from not only phishing sites, but thousands of other known fraudulent sites on the Internet. The My Little Mole Toolbar has more than a cutsie name and logo going for it. This is a free toolbar that works with Internet Explorer or Firefox to warn you if you are tricked into going to one of these spoof websites or a known fraudulent website. The software pops up a warning if you go to a known crooked website so you immediately know if you are in danger.
The toolbar also has built in search features for Google, Amazon.com, and eBay which allow it to replace several other toolbars. It also allows eBay and Amazon users to select which country’s website to search so it is internationally friendly.
There are anti-phishing features built into Internet Explorer, but according to Michael Ford, the toolbar designer, "The IE anti-phishing feature is practically useless. It depends on people reporting phishing sites which means thousands of people can be scammed before it is disabled. My Little Mole will warn you every time and does not depend on anyone reporting anything. It is completely automatic. IE also does not warn about the thousands of other known fraudulent sites that are only setup to steal credit card numbers or other information. The same is true with any anti-phishing/anti-virus software I have seen. They simply do not work to protect the user until thousands have been scammed. I have seen some scam sites that have been active for months with no one else warning about them but My Little Mole."
Mr. Ford went on to say that the My Little Mole toolbar uses an intelligent fingerprinting system which will catch fraudulent sites even if they move to a new domain, and even if they change their site completely, it will usually still warn the viewer before they enter any information they should not.
This toolbar could also end spam as we know it.
According to Mr. Ford, the toolbar designer, "The problem with other anti-spam efforts has been in trying to stop the spam email itself. I want to take away the profit motive and make spam unprofitable. When anyone goes to a dishonest website that advertises by spam, or a scam site that is only setup to steal credit card numbers or personal information, they will receive a warning telling them not to use the site. If crooks cannot make money sending spam, then they will stop because it becomes a waste of time for them."
I cannot stress how important this toolbar is for every Internet user. If it only prevents you from being scammed once, or having your identity stolen once, it is more than worth the price which is FREE!
You can download this free toolbar at www.MyLittleMole.com
Don't be a victim of Cybercrime
When you access the Internet through the world wide web it is extremely important that you safe guard your personal information.
There are literally thousands of people around the world that make a living exploiting the security loop holes by accessing your personal identity, passwords and bank accounts.
There are many more daily who are the victims of these crimes. You have a responsibility as a user of the Internet to take certain precautions to protect yourself from online crime.
Internet users who access bank accounts, e-currency accounts or any source of personal information online, should be aware of the following methods used by criminals to convince you to reveal your confidential information.
Here are some simple steps to help keep your information secure
1. Avoid being a victim of fradulent email requests for personal information
This method is called "Phishing" and is a popular way for criminals who are acting as legitimate businesses to steal your personal information. This is usually accomplished by sending you an email with a hyperlink to a fraudulent website made to look like the real one. Once you have entered your information the perpetrator will have access to your account, many times unknown to you.
One way to avoid falling victim to this sort of scam is to never provide any personal details in response to an email. Legitimate businesses will never ask you for your password by email. Be aware of suspicious emails from unknown individuals. Delete before opening anything that you think might be harmful.
2. Make sure you visit your bank, e-currency or financial website via your Internet browser with the correct website address.
3. You should take care to never follow any suspicious hyperlink, url, or open an unknown sender’s attachment.
If you inadvertently reply to a "Phishing" email or respond to what you think could be a fraudulent website, contact your associated financial institution immediately for advice. Do not delay in seeking help. Check your account for any unusual activity.
Ways to protect your computer
1. It is important to use only a trusted and secure computer to access your Internet banking account. 2. Using publicly shared computers, such as those at Internet cafes, is strongly discouraged.
3. It is recommended that you keep your computer up to date with current anti-virus protection, firewall and the latest patches.
4. Remember that after you install virus protection it is necessary to update the software so the protection remains current.
5. Avoid using the "remember my user name and password" feature when accessing sensitive financial information.
6. Make sure not to store your passwords and account information on your computer.
7. Use a different password for your bank than you would for your email address.
8. Do not use easy to guess passwords, or passwords that closely relate to you. Your birthdate, name or favorite pet make poor passwords.
There are literally thousands of people around the world that make a living exploiting the security loop holes by accessing your personal identity, passwords and bank accounts.
There are many more daily who are the victims of these crimes. You have a responsibility as a user of the Internet to take certain precautions to protect yourself from online crime.
Internet users who access bank accounts, e-currency accounts or any source of personal information online, should be aware of the following methods used by criminals to convince you to reveal your confidential information.
Here are some simple steps to help keep your information secure
1. Avoid being a victim of fradulent email requests for personal information
This method is called "Phishing" and is a popular way for criminals who are acting as legitimate businesses to steal your personal information. This is usually accomplished by sending you an email with a hyperlink to a fraudulent website made to look like the real one. Once you have entered your information the perpetrator will have access to your account, many times unknown to you.
One way to avoid falling victim to this sort of scam is to never provide any personal details in response to an email. Legitimate businesses will never ask you for your password by email. Be aware of suspicious emails from unknown individuals. Delete before opening anything that you think might be harmful.
2. Make sure you visit your bank, e-currency or financial website via your Internet browser with the correct website address.
3. You should take care to never follow any suspicious hyperlink, url, or open an unknown sender’s attachment.
If you inadvertently reply to a "Phishing" email or respond to what you think could be a fraudulent website, contact your associated financial institution immediately for advice. Do not delay in seeking help. Check your account for any unusual activity.
Ways to protect your computer
1. It is important to use only a trusted and secure computer to access your Internet banking account. 2. Using publicly shared computers, such as those at Internet cafes, is strongly discouraged.
3. It is recommended that you keep your computer up to date with current anti-virus protection, firewall and the latest patches.
4. Remember that after you install virus protection it is necessary to update the software so the protection remains current.
5. Avoid using the "remember my user name and password" feature when accessing sensitive financial information.
6. Make sure not to store your passwords and account information on your computer.
7. Use a different password for your bank than you would for your email address.
8. Do not use easy to guess passwords, or passwords that closely relate to you. Your birthdate, name or favorite pet make poor passwords.
How to Avoid Getting Involved in an MLM Scam
Today, there is a lot of buzz about the opportunities for big money available to individuals willing to become involved with a multi level marketing business. The truth of the matter is that the opportunity to make money is definitely out there, and that because of this multi-level marketing business models are accepted and legal throughout Canada and the United States. Unfortunately, the appeal of MLM businesses means that they and the people who believe in them are ripe for the pickings when it comes to con artists who pretend to have legitimate MLM businesses. In this article, we will take a look at some ways that you can avoid getting caught in one of these scams.
First of all, know what an MLM business entails
On the surface, many people will think that MLM businesses are no different from pyramid or ponzi schemes, which are actually illegal. In fact MLM businesses are very different in structure, and if they do not follow a specific method of reimbursement for those involved in the business, then it is likely that the proposed MLM model is a scam.
The main difference between MLM and illegitimate businesses is that in MLM businesses, individuals are paid only on commission of the company’s products or services. Now, this may be a part of the sales made by someone a MLM business owner recruited, but the owner does not get paid for recruitment alone. Pay through recruiting is a good sign of an MLM scam.
Another sign of an MLM scam is a requirement to purchase more of the product of the business than an individual is likely to sell. Again, these huge inventories are a good indication that the opportunity you are looking at is not legitimate.
In addition, it is entirely possible for individuals to engage in their own research when it comes to companies who state you can have success with their MLM model. A good place to start is with the Better Business Bureau. All legitimate MLM companies are registered with the BBB, and you can take a look at their records to see what complaints have been registered against them, if any. In addition, you can check out the company’s reputation online through sites like mlmwatchdog.com, or do your own search on the company name at Google.
And of course, there are always the opinions of your friends and family. Before you sign up, present the business to those you trust to see if they think it sounds like a legitimate opportunity to make money. Remember, most MLM propositions are not scams, but it never hurts to be cautious!
First of all, know what an MLM business entails
On the surface, many people will think that MLM businesses are no different from pyramid or ponzi schemes, which are actually illegal. In fact MLM businesses are very different in structure, and if they do not follow a specific method of reimbursement for those involved in the business, then it is likely that the proposed MLM model is a scam.
The main difference between MLM and illegitimate businesses is that in MLM businesses, individuals are paid only on commission of the company’s products or services. Now, this may be a part of the sales made by someone a MLM business owner recruited, but the owner does not get paid for recruitment alone. Pay through recruiting is a good sign of an MLM scam.
Another sign of an MLM scam is a requirement to purchase more of the product of the business than an individual is likely to sell. Again, these huge inventories are a good indication that the opportunity you are looking at is not legitimate.
In addition, it is entirely possible for individuals to engage in their own research when it comes to companies who state you can have success with their MLM model. A good place to start is with the Better Business Bureau. All legitimate MLM companies are registered with the BBB, and you can take a look at their records to see what complaints have been registered against them, if any. In addition, you can check out the company’s reputation online through sites like mlmwatchdog.com, or do your own search on the company name at Google.
And of course, there are always the opinions of your friends and family. Before you sign up, present the business to those you trust to see if they think it sounds like a legitimate opportunity to make money. Remember, most MLM propositions are not scams, but it never hurts to be cautious!
Stop the Scams.
We are always being approached by so called business guru's, who claim to have unlocked the secrets of making money online. They will offer to sell it to you for the low price of whatever .I bought thousands of them. In the end it was the same thing over and over. This is it. Information on ads that sell the Idea of making money. There in lies the secret. Did you catch it? People want to believe in their dreams of money and are willing to pay for them. Now that I have paid so much I too am making money. Not from any scam I foolishly bought into, but from simple steps I will share for the price of reading this blog. 1st. I started a blog ,you con start one for free and put whatever you wish on it.If want to make some money with it , you need ads .Google is the best way to go ,using google adsense .Unlike affiliate ,where you need a purchase to make a commission,google only needs a click to pay you .So you put some ads by google an your blog and someone sees and just clicks on it,you get paid,that simple. 2nd. you need traffic .you can get it free simply by subscribing to an exchange.This too is free .Traffic swarm is the only one that you need.they give you ad credits just for singing up.you can do it now by clicking the link below.Then come back for the next step.
Now this alone will only bring about $25 a month for the first month or so,at first.As you add more content and more ads by google your proffit will grow.Its all free and takes about 20 minuts to do. 3RD. After making a little money.Or even now .If you can afford $10 a month ,you con make good money .by going hereThis alone brings home the money .G.D.I. will do almost every thing for you .just put thier link on your blog and the rest is done for you. lastly don't forget word of mouth to get people to go to your blog. I will constantly update my blog on more free ways to make money as they work for me.Never promoting the ones that do no not. http://blogglot.blogspot.com
Now this alone will only bring about $25 a month for the first month or so,at first.As you add more content and more ads by google your proffit will grow.Its all free and takes about 20 minuts to do. 3RD. After making a little money.Or even now .If you can afford $10 a month ,you con make good money .by going hereThis alone brings home the money .G.D.I. will do almost every thing for you .just put thier link on your blog and the rest is done for you. lastly don't forget word of mouth to get people to go to your blog. I will constantly update my blog on more free ways to make money as they work for me.Never promoting the ones that do no not. http://blogglot.blogspot.com
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