Reviews, Affiliate Marketing, Not Recommended

Auto Lotto Processor Review – Scam or True Money System?

In the spirit of full transparency, know that this Auto Lotto Processor review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Auto Lotto Processor Review

Who else would love to win the lottery!?

Well duh!

Richard Lustig, the “7 time winner” claims he could have the answers to all of your problems!

This Auto Lotto Processor review will uncover the truth about the program and show you a legitimate way you can make money online. 

Auto Lotto Processor Review- The Overview and Rankings


  • Name: Auto Lotto Processor
  • Owners: Richard Lustig (1 out of 100)
  • Website URL: autolottoprocessor.com
  • Success Stories: 25 out of 100
  • Price: $97 (+$27 User Guide)
  • Maketimeonline.com Rating: 13 out of 100

Pros and Cons


Pros

  • Provides a strategy for selecting Lottery numbers
  • Proof the guy who made it has won some prizes

Cons

  • The Lottery is technically completely random every time it’s drawn
  • Mr Lustig hasn’t won anything since 2010
  • The same program… different name!
  • Black hat sales tactics to rush you into buying it
  • Users complaints

What does Auto Lotto Processor do?


It is a software that can help you predict lottery numbers and win millions of dollars!

Auto Lotto Processor Review
Auto Lotto Processor Review

There’s a whole video and sales page backing up what Richard Lustig and his “team of experts” have created. Some of the things the processor claims to do:

  • Keep a running memory of lottery wins
  • Use historical data compared to most recent wins to predict numbers
  • Use a computer algorithm to analyse against different variables

But learn that there are a ton of other programs that share the same stuff such as:

Now I can almost hear your mind saying…

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

Is Auto Lotto Processor a Scam?


Great question amigo. 

There are really 2 types of online scams you will come up against:

  1. Takes your money and you never hear back from them again with no product or service
  2. Provides some information or training but promises you something that it doesn’t deliver

I would say this program is more like number 2.

Richard Lustig Winning
Richard Lustig with one of his wins

Just to be fully transparent with you, I have not purchased The Auto Lotto Processor myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes! If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Are There Real Success Stories?


So let’s start off with Richard Lustig. What were his 7 wins and more importantly when were they?

  1.  $10,000 – Jan 1993 (scratch-it ticket)
  2. $13,696.03 – Aug 1997 (Florida Fantasy 5)
  3. “Wheel of Fortune” Holiday to Los Angeles – June 2000 (valued at $3,594.66) (scratch-it ticket “2nd chance drawing”)
  4. Elvis Holiday trip to Memphis – Oct 2001 (valued at $4,966) (scratch-it ticket “2nd chance drawing”)
  5. $842,152.91 – Jan 2002 (Florida Mega Money)
  6. $73,658.06 – Nov 25th 2008 (Florida Fantasy 5)
  7. $98,992.92 – Aug 9th 2010 (Florida Fantasy 5)

Have you noticed that only 4 of his wins were even anything to do with the lottery? And only one win was more than 5 figures!

Richard Lustig Scam

Not quite what I had in mind when I heard he was a “7-time lottery winner”!

There are a couple of stories shown early on in the video that does show some proof.

These two ladies sent a signed letter to Richard showing that they used his techniques to make money on the lottery. 

Auto Lotto Processor Review Testimonial

The more you read this Auto Lotto Processor review the more it’s starting to sound promising right?

But this begs the question…

Can This Possibly Work?


That is the exact question I thought of when I stumbled accross this system. 

I mean I would love for it to work…

Who wouldn’t?!

I remember buying a lottery ticket when I turned 16 but I’ve never really played it because lets face the facts…

Not many people win the lottery!

However, the more I researched, the more I found out information such as:

  • Lottery winners often have 2 numbers next to each other (most people do not pick two numbers next to each other)
  • Some machines can “shuffle” the numbers in a certain way to allow these predictions

Check out this short video out to see more…

If you’re anything like me your spidey-senses will be tingling now.

This is where I dug in a bit deeper to uncover the truth… 

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Auto Lotto Processor Red Flags


There were some obvious red flags just from looking at the sales page but some of them needed a bit of hard work to find out the truth…

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Scarcity Tactic


This is such a common red flag for any online scam. You see the big timer making you think there’s only a window of opportunity to buy.

Auto Lotto Processor Review Scarcity Tactic

But just like so many other scams, when you reload the page, the timer starts again!

This is the definition of a black hat method!

Richard goes on to explain there are limited spaces. He says it’s something to do with having to close the program so he doesn’t get found out.

How can it be completely legal and ethical then?

Spind senses are on full alert now!

#2 Scientific Studies Claiming it Won’t Work


Business Insider has an article that totally discredits the system.

It’s really hard to argue with the facts from the statistical professor here:

  • The lottery is competely randomly generated
  • Therefore it doesn’t increase the chance of winning at all
  • This system makes no sense

And Lustig became enraged when the reporter told him about what the statistics professor had said. 

Oh Richard. My hopes are becoming shattered quickly now!

#3 Re-Naming The Software


Here is what the software used to be called:

Lottery Winning University

This is a more recent name for the software:

Lotto Annihilator

Now let me ask you this, “if the system was that good and was completely ethical, why is it being rebranded time after time?”

#4 Is The 60-Day Money Back Really Guaranteed?


Just by reading through other online forums about this product I found some genuine feedback from people that had tested the product…

Auto Lotto Processor Complaint
Auto Lotto Processor Complaint

I’d also like to note that I did not find one person vouching for the system on any forums. 

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion on Auto Lotto Processor


I’m not saying it won’t help. 

Do you remember those testimonials that signed how the system had helped them? Well, here’s a fact for you:

Anyone can win the lottery… that’s why it’s the lottery!

There is no scientifically proven way to predict lottery numbers. 

People are just finding patterns and hoping the machines are bit default. 

Auto Lotto Processor Review

The lottery is random. 

Technology and people will work to ensure that it remains random just as much as Richard Lustig tries to “win the lottery” again. 

However, if you are interested in earning real money online to free up your time there is a method I can recommend. One that has helped thousands of people replace their full time income and more!

Auto Lotto Processor Review: The “MakeTimeOnline” Final Word


I cannot recommend Auto Lotto Processor. By all means, click here if you still want to give it a shot… But, you have as much chance of success with this as… well, winning the lottery!

If you have any questions and I mean any questions about Auto Lotto Processor, please leave them below. If you have used or currently are a member please also add your opinions below.

Remember this… the proven 4-step process that I recommend can be learnt by anyone. 

But here is the honest truth… It won’t make you rich quickly and it will require time and effort

If you’re interested in living life on your own terms, island hopping and choosing how you live each day, then this opportunity may just be for you.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Reviews, Affiliate Marketing, Not Recommended

Cash for Patriots Program Review – 9 Red Flags Revealed

There may be affiliate links in this Cash for Patriots Program review, read the full disclaimer here.

You probably know that most people would jump on the chance to gain some extra money that they are entitled to.

You also probably know that there are a lot of online scams claiming to help you do exactly this sort of thing. Well, the “Cash for Patriots Program” promises to be one of those programs that helps you claim back a lot of money that is rightfully yours.

This Cash for Patriots Program review will help you decide whether it is a legitimate program and whether it is right for you.

Cash for Patriots Program Review- The Overview and Rankings


  • Name: Cash for Patriots Program
  • Owner: Zach Scheidt (5 out of 100) Agora Financial (1 out of 100)
  • Website URL: pro.cash4patriots.com
  • Support: 5 out of 100
  • Training: 35 out of 100
  • Success Stories: 10 out of100
  • Price: $49-$89 annual fee (Not including the extra money you will need to invest…)
  • Maketimeonline.com Rating: 11 out of 100

 

Pros and Cons


Pros

  • Provides a money-making strategy that people have used successfully
  • Can be accessed by people of different ages and income levels

Cons

  • Misleading information
  • You will need additional money to invest in stock companies that pay dividends
  • Expensive for what you get
  • They pile information at you, which makes it very hard to know what to do
  • Pressured to act fast
  • Poor support

Who is the Cash for Patriots Program for? 


Any American patriot who would like to receive a check for up to $7,980. It’s possible to receive 24 checks like this every year!

  • You can be any age (over 17) 
  • You don’t need to be employed or have a certain income level

Hang on a minute, seriously?

As you read every word of this Cash for Patriots Program review you will realise whether this is true or not.

 

What is the Cash for Patriots Program? 


The program suggests that you can receive checks every month just for being an American patriot. 

It appears that all you need to do is put your name on some government list and sit tight in your home watching Games of Thrones re-runs, drinking beer and wait for these magic checks to appear in your letterbox. 

 

what is the cash for patriots program

 

“But how is that even possible?” I hear you scream.

Well here is the theory…

 

Donald Trump’s Tax Reform Will Release $2.6 Trillion to American Patriots


Hidden amidst all the crazy stuff that is going on in the media is this little gem that Donald is using his “Trump” card (see what I did there?!)

This awesome tax reform means that it will release trillions (with a “T”!) to US citizens…

Or will it?
As you keep reading you will learn who actually benefits from this tax reform and what the program really does,

But you also need to note that there are many other programs that offer the same opportunities. Here are some of the most notable ones:

Is the Cash for Patriots Program Real?… 


Erm no… 

Well, at least not how Zach makes it sound. 

It will provide you with a strategy to invest in companies that will pay you dividends (scroll down to “my final opinion” to find out what this means…)

The checks that magically appear in your letterbox every month are from the companies profits that Zach Scheidt will recommend that you invest in. 

Basically, you will be investing in the stock market and looking for companies that pay good dividends.

 

9 Red Flags That Suggest the Cash for Profits Program is a Scam… (Plus a Bonus One!)


So here are the 9 red flags that can help you to unravel what this mysterious program actually does:

 

#1 – Dodgey Video

At the top of the page, there is the video that really makes you want to click it. 

Zach Rambles on and on… for an hour! 

But somehow manages to avoid ever really telling us what we’ll have to do. He repeats the same things about the tax reform that Trump has done to release $2.6 trillion. 

 

cash for patriots program review

Plus, there are loads of examples of how people collect “up to 24 checks a year” and these checks can be up to $7,980 every month. 

Now that bit has you interested doesn’t it eh?

 

Cash for Patriots Program Review- How much can I collect

 

#2 – Cash for Patriots Program Enrollment: Access for All 


Hey guys… anyone can access it!

You don’t need to worry about how old you are or how much you earn. 

 

Cash for Patriots Program Review

 

Is this starting to sound too good to be true? 

If it does then remember amigo… it probably is! 

Read “8 Ways to Spot an Online Marketing Scam” to see the other telltale signs.

 

#3 – The 2.6 trillion from the private sector for Americans

So you may have heard some of these false rumours about Donald Trump claiming that “deserving Americans will receive $612 stimulus”.

Well, this program has nothing to do with anything about “deserving American’s” receiving a “stimulus package”.

As you’ll discover it is to do with owning shares of companies.

But this doesn’t stop Agora Financial using quotes out of context from the New York Times…

 

“This is a windfall of cash”

“Enormous hoard of stashed cash”

And Bloomberg…

“It’s a pot of Gold”

These quotes have nothing to do with the “cash for Patriots program”. In fact…

 

#3 – “Cash for Patriots Program” isn’t Even a Real Thing


FYI Donald Trump (or anyone in the US government) never named an initiative called “Cash for Patriots Program”. 

It’s just a funky name that Agora Financial set up to make you want to buy Zach’s “Lifetime Income Report”. 

Speaking of which… what is in this lifetime income report?

Ah, I’m so glad you asked…

 

#4 – Lifetime Income Report


So Zach goes on about all the great things you will get from the “lifetime income report”. 

  • His own book
  • 3 e-books with information in it (one about the Cash for Patriots system)
  • A yearlong subscription to his monthly newsletter
  • Email alerts
  • Direct line to Agora Financial’s support team

When you actually break that down your getting his book and the e-books. Everything else is just “stuff” that makes it sound like your getting more things for free. 

 

Cash for Patriots Program Review

 

For a start there’s a massive number in the top corner when you go to pay… so everyone has a direct line to Agora Financials support team!

If you’re wondering if Zach’s book really did reach number one on Amazon and is worth the steep $49-$99 a year payment you need to access it…

 

Cash for Patriots Program Review

7 reviews suggest it’s not the great book it’s made out to be (just remember everyone has a handful of friends and a Mum who can leave a 5-star review… just read that “top positive Cash for Patriots Program review”… it’s not even about the book and certainly doesn’t scream #1 on Amazon!)

 

The main thing is what the Lifetime Income Report will teach you…

Zach’s report will show you how to cash in on the theory that companies will now pay you a higher dividend due to Donald Trumps tax reforms.

Simply put… the tax reforms that are mentioned will help companies bring money back into the USA. Currently, a lot of big businesses hold their money offshore due to the tax advantages of not bringing the money back into the country.  

The theory is…

Money back in the US = higher profits = higher dividends

 

Cash for Patriots Program Review

 

So you actually need to hold stocks and shares of certain companies (ones that Zach is speculating on i.e. guessing will do well!) 

Basically, you will need extra money to invest in the stock market to receive dividend payments. 

These may be sent to you in a check but it’s not how the video makes it sound at all.

(Find out more about dividend payments in “my final opinion” below…)

 

#5 – The Pressure to Buy Now! 


When you watched the video did you notice the different quality of the sound whenever Zach said “April 4th”? You can tell it was an after recording that was added in at a later date. 

This is because the date will change depending on when you visit the website to be only a few days or weeks ahead of where you are!

Have you noticed the big juicy timer at the top when you’re about to pay? (spoiler alert if you let the time run down you just click on the link again and it will start again!)…

 

Cash for Patriots Program Review

 

There’s also the big red text saying you have until April 4th to act.

If you’re thinking, “well I better act quickly!” then this very clever marketing technique is working… Unfortunately, for Agora, it’s also a sign for make time online that the program is a scam if you don’t have a free trial or option to test it out!

 

#6 – Perceived Added Value


This is again another sound sales tactic that works on human nature. 

When you go to check out there are 3 options available…

 

Cash for patriots program review

 

The platinum offer is smack bang in the middle and is in front of the other packages & is the “best value”. It not only offers you 1 more “special platinum report” (which it doesn’t EVER tell you what it’s about… it could be about dogs for all we know!) but is actually cheaper than the Gold Option. 

It’s a no brainer Billy Bob! Buy that option right now before it’s too late and the timer runs out…

Or should you?

This doesn’t make the program a scam but it is not being open and honest upfront about what you are paying for.

 

#7 – Non-existent press release

Remember that really long video? 

Well, hidden in the mix of the hour-long rambling was a claim that the ‘Cash for Patriots Program’ was also formally announced in a press release published on September 29, 2016, by Congress’s Joint Committee on Taxation.

 

Cash for Patriots Program Review
Cash for Patriots Program Review

 

So about that… yeah, it doesn’t exist!

I’m fairly sure they didn’t expect someone to do this but when you search the archives on jct.gov there was no press release date for September 29, 2016. There’s also no mention of this program on the website either.

Strange eh?

 

#9 – Agora Financial

Agora is an independent financial advisory company which also owns Banyan Hill Publishing.  They provide many financial newsletter publications on a subscription basis.

Honestly so many! I signed up to another program about the stock market a few years ago and they literally bombard my inbox with emails. They continually contradict themselves and it’s impossible to tell what you should actually be doing even if you manage to read every one. 

The screenshot below is the emails I received over a 2 day period!…

They average between 7-10 emails (that are long) per day!… information overload or what!?

Taking a look at their page on Better Business Bureau you are hit with the big red warning sign.  Then we see 2 things…

  1. They aren’t accredited by the BBB which is a big red flag.
  2. Over 300 complaints with a rating of 1.5 stars… ouch
Cash for Patriots Program Review

 

BONUS #10 – “Testimonials”

So it can’t be a sales video without some testimonials. Zach rattles through quite a few in the video… on nothing useful!

“Patriots” receiving monthly paychecks ranging from as low as $1,710 up to $11,365. Including some outrageous claims:

You can collect 24 of these checks in a year totalling over…

$68,184 a year!

 

Cash for Patriots Program ReviewCash for Patriots Program Review

 

The video is full of “testimonials” exactly like those above so I’m not going to put any more than these two. 

But here are some “testimonials” the video manages to miss out…

 

Cash for Patriots Program Review

Source: Better Business Bureau

 

Cash for Patriots Program Review

Source: ReportScam.com

 

Honestly, this isn’t even me cherry picking these terrible reviews. Click the source links above to see for yourself. 

It’s actually quite concerning when you read some 75-year-old retiree saying that they didn’t even click the pay now button and money has been taken from their account. 

 

Cash for Patriots Program Review

 

My Final Opinion- Is Cash for Patriots Program a Scam?


So is the “Cash for Patriots Program” a scam?

Technically no.

It will provide you with information on how to get checks in the mail throughout the year. 

But the whole sales video and pitch makes it look like you will have to fill out some tax relief form and then jobs a goodun!

This couldn’t be further from the truth… 

In actual fact when you join the program this is only the tip of the iceberg.

You will then need to invest in stocks of certain companies that Zach is speculating on paying out good dividends over the year. Hence these companies will send you checks through the mail.

 

Cash for Profits Program review

It’s nothing to do with tax reforms and governments paying you your money back, which is how the video makes it look like.  

 

Hold up What is a Dividend?


Well I’m glad you asked because at no point does the wasted hour-long video try to educate people on what they will be doing. 

A dividend is a sum of money that a company will pay its shareholders out of its profits. This can be quarterly or annually (usually paid as a per cent of your investment i.e. 5% return).

So to really do this program you need to be aware of the risks and rewards of investing in the stock market. 

 

So What Should I do?


If you are interested in investing in the stock market, you can get all the information you need for free.

I would highly recommend you check out “The Best Way to Earn Passive Income“. This will help to understand more about the stock market and what the smartest investors recommend you do. 

There is a strategy in here on how real people actually retire early and consistently beat the average investor. My chat with Grant Sabatier opened my eyes to how real people can do this. Check out “How to Earn $50,000 in 4 Days and Reach Financial Freedom w/ Grant Sabatier“. 

But always remember…

 

Knowledge is power

This is why creating your own online business can be a great way to earn passive income. You will learn more, which means you will be in complete control of your finances.

And no you don’t need to be able to code! In fact, find out “How to Build a Website the Easy Way… in Under 30 Seconds“.

Cash for Patriots Program Review: The “MakeTimeOnline” Final Word 


In this “Cash for Patriots Program” review I hope you can see it’s not a scam. 

It will provide you with a strategy to get checks into your letterbox. But you will need to have a few thousand dollars to invest in the stock market, do your own research and understand the risks associated with the stock market. 

This is what the program definitely won’t do:

  • Show you how to receive some checks by filling in some tax reclaim forms. 
  • Send you checks without you having to put time and effort into learning the system and strategy.
  • Send you money without you investing your own money.

And as you are thinking about whether this program is right for you, you become really interested in knowing if there is a way to make money online without having to invest thousands of dollars. 

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Reviews, Affiliate Marketing, Not Recommended

The Seven Figure Formula Review- Riches With Penny Stocks or Scam?

In the spirit of full transparency, know that The Seven Figure Formula review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

The Seven Figure Formula Review

You’re intelligent enough to know that it’s not easy to turn $100 into millions of dollars.

However, this is something that The Seven Figure Formula claims you can do by using their secret super computer. 

After you read The Seven Figure Formula review you will discover the truth about this system.

No credit card details required

The Seven Figure Formula Review – The Overview and Rankings


  • Name: The Seven Figure Formula
  • Owners: Agora Financial (1 out of 100)- Jonas Elmerraji & Greg Guenthner (15 out of 100)
  • Website URL: pro.sevenfigurenewsletter.biz
  • Type: Penny Stocks Investing 
  • Support: 50 out of 100
  • Success Stories: 0 out of 100
  • Price: Silver $49 a year, Gold $129 a year, Platinum $79 a year
  • Maketimeonline.com Rating: 16 out of 100

Pros and Cons


Pros

  • Reasonable price to get started
  • Learn the basics of penny stock investing

Cons

  • Terrible reviews
  • Uses “black hat” techniques to pressure you to buy it
  • A system that doesn’t have any proven success rate
  • Agora financial has a poor reputation

What does The Seven Figure Formula do?


The Seven Figure Formula is supposedly a penny stock trading system that anyone can follow. 

As you pay close attention to this page you will see that this formula claims that you can turn a small amount of money into a life-changing sum of money.

Let me ask you this… Have you ever seen “The Wolf of Wall Street”?

Jordan Belfort- The Wolf of Wall Street

Well, this formula is really just piggybacking off the concept of Jordan Belfort’s hit book and film. 

Imagine if you could use their supercomputer, called “factor 148”, to reap the epic rewards. It took them years to perfect it and cost a neat $265,000. 

Sounds interesting right?

But as you read each word of The Seven Figure Formula review you will uncover the truth.

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

What do You Actually Get?


If you were to join then you would get all of this… 

  1. Monthly Newsletters
  2. Weekly Updates
  3. Monthly Seven Figure Formula Penny Stock Report
  4. Bonus Report – Three chances to double your money 
  5. The Seven Figure Formula, Revealed
  6. The Seven Figure Formula Hotseat
  7. Bonus Report Number 2 – How to trade Seven Figure Formula Penny Stocks

Are you beginning to notice that you would actually just receive a whole lot of random newsletters thrown at you? 

You’re then expected to put the information together yourself. 

And before long you will see that more information does not make a system good! The best systems are simple to follow with step-by-step guidance.

But know that there are many other programs out there that are offering the same stuff. Some of the most notable ones are:

Who Runs The Seven Figure Formula?


It is an “Agora Financial” program. 

I have reviewed other products by them before such as “The rich life letter” and “Cash for patriots program“.

Little by little you will realise that this information overload seems to be a common theme for a program by Agora. Just check out the emails I used to receive when I was part of the “Real Wealth Report”

The Seven Figure Formula Review

Greg Guenthner & Jonas Elmerraji are the people behind the formula.

Greg Guenthner

They have both been featured on Forbes, CNBC and the Wall Street Journal before so they clearly have some credibility.

But if you’re like me then the only thing that matters to you is how well a program works. 

Is The Seven Figure Formula a Scam?


Technically no.

It provides the information it says it will and it has a disclaimer saying…

The question still remains… “does it really work and help you get results like they claim?” 

Is it really possible to make the amount of money they claim you can at the start of the sales video (yes this is actually what it says!)…

In a moment, I’ll show you what to be aware of before purchasing this supposedly money making system. 

In the spirit of full transparency, know that I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes! If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

The Seven Figure Formula Red Flags


There are some tell tale signs that this program is more suspicious than Donald Trumps tax returns avoidance. 

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Fake Testimonials


On the website, there are testimonials from people that have never tried penny stocks investing before.

The Seven Figure Formula Testimonial

However, see if you can recognise these people…

These are all stock photo websites (a website where anyone can use these photos).

This begs the question “if this system works so well, why aren’t real people willing to leave testimonials about it?”

#2 Agora Financial


There are a lot of concerns about the legitimacy of Agora Financial.

Just look at the Better Business Bureau to see what other people make of the company.

The Seven Figure Formula BBB Review

You’re intelligent enough to know that a rating of 1.5 stars out of 5 and over 300 complaints don’t bode well for any company.

#3 Number of Complaints – Does it Even Work?


There have been 102 complaints closed last year alone.

Here are some of the things people have said…

The Seven Figure Formula Complaint
The Seven Figure Formula Review

One thing I do want to point out is how Agora Financial does seem to respond to ALL complaints. 

We should give them credit where it’s due as they do seem to refund people too (sometimes not the full amount though). 


ENTER RANT

However, this doesn’t help the fact that their products clearly suck!

Rather than being reactive and refunding all of these people, why don’t they focus their time and energy on creating honest and good products?!

RANT OVER…

#4 Black Hat Sales Tactics


The pricing plan is actually a bit of joke…

There’s pretty much no difference between ANY of the plans yet the price difference is huge!

The Seven Figure Formula Pricing Plan

The middle option really stands out… because it’s big and in the middle. 

You basically get the same thing as the silver package (minus one report… plus one bonus report)

The gold plan is the most expensive but it comes with one less report than the silver package… go figure!

You probably know that it’s only there to make the other prices seem better!

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – The Seven Figure Formula


Agora financial throw information at you to make it look like they are doing something.

It actually just makes things very confusing and they don’t use any step by step approach to follow.

It’s the equivalent of saying to someone that’s looking to make money from home… here is a computer!

Stressed at a computer

From my experience, Agora Financial can provide useful pieces of information but a lot of it contradicts itself (because they throw so much information at you!)

There are better ways to make money online to free up your time. In fact, you can see for yourself the success that millions of people have used a proven four-step affiliate marketing process.

If you’re interested in living life on your own terms and retiring early with passive income then it’s completely risk-free to try out.

The Seven Figure Formula Review: The “MakeTimeOnline” Final Word


The farther down this page you read, you’ll start to feel like it is possible to make money online to free up your time. 

It’s proven by so many people all over the world. 

Unfortunately, The Seven Figure Formula is not one of those ways. If you are feeling lucky, I’d recommend buying a lottery ticket instead because at least you won’t waste your time down a rabbit hole.

If you have any questions and I mean any questions about The Seven Figure Formula, please leave them below. And if you have used or currently are a member please also add your review below.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
The Rich Life Letter Review
Reviews, Affiliate Marketing, Not Recommended

The Rich Life Letter Review: Easy Path to Riches or a Scam?

There are affiliate links in this Rich Life Letter review, which means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Read the full disclaimer here.

The Rich Life Letter Review

You probably agree that most people do not want to “downgrade” their lifestyle when they retire. 

And most people think that they can only retire when they reach 65 years old. Well, The Rich Life Letter claims it can send you regular checks of $6,000 or more if you join today. 

This Rich Life Letter review will expose the truth about this program. You don’t realise it yet but, at the conclusion of this page, you will feel excited at an opportunity to start living life on your own terms.

The Rich Life Letter Review – The Overview and Rankings


  • Name: The Rich Life Letter
  • Owners: Agora Financial (5 out of 100) and Nilus Mattive (40 out of 100)
  • Website URL: agorafinancial.com
  • Training: 50 out of 100
  • Success Stories: 5 out of 100
  • Price: $49-$89
  • Maketimeonline.com Rating: 25 out of 100

Pros and Cons


Pros

  • Gives some sound strategies of stocks to invest in for higher returns (using dividend payments)
  • Provides a “no thinking” approach to investing in the stock market

Cons

  • Sells the program in a very different light
  • It has no association with current government tax reforms
  • No such thing as “Trump Checks”
  • Use black hat methods to make you want to buy the “letter”
  • Not the best long term strategy to invest in the stock market. 

What does The Rich Life Letter do?


The Rich Life Letter is simply… wait for it… 

A newsletter.

The Rich Life Letter Review

As you read each word in this review you will see that Nilus Mattive advises you to invest in certain stocks in his newsletter. Primarily:

  • Startup investments (risky investments that can go either way and very hard to predict)
  • Stock market income strategies (invest for dividend payments)

However, this is not how the sales pitch makes it sound at all. 

If you were to look at their website it would seem that you could receive checks for between $597-$6,189 because of a new social security program. 

In reality, it just advises you on how to receive dividend payments from stock investments. 

Hang On… What are Dividend Payments?


Great question amigo!

At no point during this sales pitch does anyone try to educate you in what you would actually be doing if you joined. 

A dividend is a sum of money that a company will pay its shareholders out of its profits. This can be quarterly or annually (usually paid as a per cent of your investment i.e. 5% return).

So you need to be aware of the risks and rewards of investing in the stock market if you want to join this program. Not to mention have the dollar to invest in stock companies!

Is The Rich Life Letter a Scam?


No, it’s not a scam.

You will be provided with information that can help you receive checks in the mail. 

The investment strategies will also be quite sound and possible to achieve (as long as the stock market keeps going up!)

Something that I have learnt from Tony Robbins book Unshakeable is that nobody can predict what the stock market will do. Check out why the “best investors in the world recommend people to invest in index funds” (unless they are willing to read about companies all day every day).

However, it is dishonest. The sales tactics make it seem like you will be purchasing something completely different from what you actually get.

Who is Nilus Mattive?

Nilus has written a book called “The New Investor”.

He has contributed to Market Watch, Standard and Poor and Fox News. 

Nilus Mattve

The more you read “The Rich Life Letter” review the more you will feel deceived that it has nothing to do with social security or “Trump checks”.

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

And What is Agora Financial?

I actually purchased “Real Money Safe Report” from Agora Financial in the past.

They did send regular emails (a little bit too regular) and the “Wealth reports”.

To be honest, the information I got from them contradicted itself and was a bit overwhelming… mainly because they sent about 10 emails a day!

If you had a s*** ton of cash then this may be a good system for you. Although you can get all the information you need for free using the “Ultimate Guide to Earning Passive Income to Retire Early“. This approach is much more hands off and has been proven to beat the average do it yourself investor in the long run.

Also note that there are loads of other similar programs that offer the same opportunities such as:


Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes! If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.


Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

The Rich Life Letter Red Flags


As I mentioned there is definitely some sound investment advice offered by Agora Financial.

But there are a lot of things to be wary of about this letter. 

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Ludicrous Claims 


Here are some of the bold statements that “The Rich Life Letter” uses to promote the program:

  • It’s a new social security program 
  • Hundreds of people have earnt checks between $597-$6,189
  • The greatest retirement program 

The sales pitch delights Trump supporters by slagging off Liberals and praising Trump’s great economic plans.

The Rich Life Letter Review

But here’s the truth:

The social security program mentioned doesn’t exist. 

Period. 

Check out the “Cash for Patriots review” to see how similar this sales tactic is to other online scams. 

#2 Misleading Sales Pitch (Not Informative)


It’s so hard to work out what the letter is actually about.

The Rich Life Letter Review

If you skimmed through the sales pitch you would just assume it was something to do with retirement checks being delivered to you because Trump was awesome.

As you continue reading this review you will realise this is not true at all.

#3 Fake Trump Checks


You are led to believe there is some special retirement program that we haven’t heard of yet. 

Trump Checks

However, these checks are completely fake. 

They get around this lie because how the “Rich Life Letter” actually works. 

If you follow their advice, then it is possible to receive checks from dividend payments. 

But you need to have the money to invest in the stocks that they recommend and be willing to learn from the newsletters. 

#4 Fake Testimonials 


This is a huge red flag for any online program. 

As you can see here, Jimmy Rogers claims the program has worked amazingly well for him.

The Rich Life Letter Testimonial

However, by searching for his image on the Internet you can find out this is actually a stock photo that has been used elsewhere.

The Rich Life Letter Fake Testimonial

Now I can almost hear your mind saying, “if the program really did work so well, why isn’t there a real person willing to give a testimonial?”

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – The Rich Life Letter


The Rich Life Letter certainly is not a scam. 

However, it uses black hat sales tactics to make you purchase a system that looks like it will help you receive pension checks. 

If this is what you are looking for you will be disappointed. 

If you have any questions and I mean any questions about The Rich Life Letter, please leave them below. And if you have used or currently are a member please also add your opinions below.

Stock Market Investing

In my opinion I wouldn’t recommend this program. 

Saying that, if you already invest in the stock market and want to receive regular dividend payments, then this may be a good newsletter for you. 

However, if you’re looking to make money online to free up your time, without investing thousands of dollars, this is not a system that you should be using. 

In the next 2 minutes you are going to learn how it is possible to make money online, without needing money to invest. 

The Rich Life Letter Review: The “MakeTimeOnline” Final Word


Since your still here, I’m going to assume you are searching for a way to make money online to free up your time. 

You’re probably wondering if it is possible to help other people legitimately and create a real online business around something that you are passionate about.

The good news is that there are millions of people over the world who have found training programs like the one I use to make money with affiliate marketing 24/7/365.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Lottery Winner University Review
Affiliate Marketing, Not Recommended, Reviews

Lottery Winner University Review: Make Money Quickly or Another Scam?

In the spirit of full transparency, know that this Lottery Winner University review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Lottery Winner University Review

Of course you’ve heard of someone that’s won the lottery.

How incredible would that be to wake up an instant millionaire? Well, Richard Lustig claims to have found a secret formula that can help everyone experience this feeling of winning the lottery.

This Lottery Winner University review (with video) will expose the truth behind the program and what you can do to make money online to free up your time.

Lottery Winner University Review – The Overview and Rankings


  • Name: Lottery Winner University
  • Owners: Richard Lustig (25 out of 100)
  • Website URL: lotterywinneruniversity.com
  • Success Stories: 15 out of 100
  • Price: $49/ month (+ upsells $255 & $7.99/ month)
  • Maketimeonline.com Rating: 20 out of 100

Pros and Cons


Pros

  • Provides a strategy for improving your odds on winning lottery games
  • Proof the guy who made it has won some prizes

Cons

  • The Lottery is technically completely random every time it’s drawn
  • Mr Lustig hasn’t won anything since 2010
  • The same program… different name!
  • Black hat sales tactics to rush you into buying it
  • The information you get in this course can be found for free from watching Mr Lustig on YouTube or within his books (or in this review)

What does Lottery Winner University do?


Richard Lustig, “the 7 time lottery game winner” (notice the emphasis on game here folks!) will teach you the secrets behind winning lottery games.

Lottery Winner University Review

His formula claims to show you how to increase the odds of winning the lottery… to become an overnight millionaire.

If you’re like me, then this has got your attention now!

Richard Lustig Lottery Game Wins

So the sales video starts off with all the amazing news stories that Richard Lustig has been on.

You can see he’s a real person straight away.

And he claims he’s won 7 lottery games. Check out this video to get a balanced argument for Richards “strategy”.

So let’s clear this up and reveal his 7 wins and more importantly when they were?

  1. $10,000 – Jan 1993 (scratch-it ticket)
  2. $13,696.03 – Aug 1997 (Florida Fantasy 5)
  3. “Wheel of Fortune” Holiday to Los Angeles – June 2000 (valued at $3,594.66) (scratch-it ticket “2nd chance drawing”)
  4. Elvis Holiday trip to Memphis – Oct 2001 (valued at $4,966) (scratch-it ticket “2nd chance drawing”)
  5. $842,152.91 – Jan 2002 (Florida Mega Money)
  6. $73,658.06 – Nov 25th 2008 (Florida Fantasy 5)
  7. $98,992.92 – Aug 9th 2010 (Florida Fantasy 5)

Do you begin to notice that 3 of these “lottery wins” were scratch it cards?

And Richard openly shares his scratch-it ticket technique…

This is simply buying at least 10 of the same tickets at one time. So if you have $100 to spend, buy 10 “$10 tickets”. He claims you are almost guaranteed to win at least one, and you could win 2, 3 or 4 tickets.

Have you noticed yet that his last big win was almost 9 years ago. Maybe the system isn’t as effective as he first thought?

Also note that there are many other programs that have been offering very similar opportunies. The most notable ones are:

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

So What Are You Actually Paying for?

The sales video makes it seem like you will learn Richard’s methods to increase your odds of winning.

Lottery Winner University Review

He claims it’s not a BS scam or blind luck and that it is “unlike other scam sites” (is that a guilty conscience speaking here?)

After all, it’s what has worked for Richard… 7 times.

This is what Richard claims you will get from inside the Lottery Winner University

Lottery Winner University Review

Breaking this down here is what you really get:

  • Online video training to understand Richard’s formula

And as you’re about to find out… this is what he’ll teach you:

  1. Pick your own numbers
  2. Keep using them until you win
  3. Buy at least 10 scratch it tickets of the same kind

So is it really worth $49 a month? In fact check out the Business Insider article that completely throws out this system. 

I can almost hear your mind screaming…

Is Lottery Winner University a Scam?


Technically no.

Richard tells you what to expect from the program before you get it and he does deliver. He even has a disclaimer suggesting that nobody is guaranteed any results.

Lottery Winner University Review

However, here are some things you have more chance of doing in your life than winning the lottery:

  • Die from an asteroid strike
  • Become a movie star
  • Getting struck by lightning
  • Or flip 55 heads in a row… seriously now try this and see how close you get!!

Just to be fully transparent with you, I have not purchased this program myself and I DO NOT recommend it.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes! If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Lottery Winner University Red Flags


As you’re about to find out, this is not Richards only online program he’s selling. And they all have red flags…

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

Previous Reviews 8 Red Flags

Richard Lustig has a total of 3 Lottery programs:

The 8 red flags from the previous 2 reviews include:

  1. Scarcity tactic
  2. Scientific studies claiming it won’t work
  3. Re-naming the program (remember there are 3!)
  4. Is the money back guaranteed?
  5. The black hat sales pitch
  6. Unverified claims
  7. Product sold through clickbank
  8. Even the disclaimer tells you the truth about your chance of winning

All 8 of these red flags still apply to this program. But here are an additional 3 red flags from this course to be aware before diving in…

#1 Pressure to Buy the Course Now


He claims that for the price of a steak dinner you will receive the formula to win potentially millions of dollars.

Uncover the truth in this Lottery Winner University review. Find out what Richard Lustig will actually teach you and the number one reason you should not...

…And even a small win will get your $49 back! (I would argue, what about your time?)

Just as it looks like the video is finishing Richard says that he doesn’t want you to be in the same position in a few years time when you could buy the program today to change your life.

There are no guarantees about any of this as at the end of the day you will still be relying on luck.

#2 Upsells


Upsells are a huge red flag for any online course.

Any honest and legitimate online course will tell you about all the payments and what you will receive before you make a purchase.

There are numerous upsells the program tries to sell you and even when you try to exit the page it will take you to another page to try to sell it in a different way.

Here is what Richard will try to sell to you additionally:

1 on 1 “coaching” phone calls- $197

If you go for this you’d get unlimited phone calls with Richard Lustig himself for a whole month.

Lottery Winner University Coaching call

Richards top 10 Lottery Secrets eBook- $19

Use this book to “skyrocket your odds” to improve your chances of winning.

Richard Lustig eBook

Richards top Lottery Secrets Book- $39

No, I did not just type this twice. It is apparently different. You can buy Richards new book to find out something “new” I guess…

Richard Lustig Book

Lottery Pool- $7.99/month

You can also enter the “largest lottery pool in the world” LottoLishus.com. Basically, join together with other members and split the winnings by how many people play it.

#3 You Need at Least 6 Months to Access All the Videos



When you purchase the course you will get access to month one.

You actually have to wait 30 days to get access to the next set of videos.

Lottery Winner University P

But there are a total of 6 months worth of short videos. Therefore, to actually access all the content you will need to pay for 6 months ($294).

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Lottery Winner University


OK, so after reviewing 3 programs by Richard Lustig, do you want my honest opinion?

Alright, now I’m going to be brutally honest.

This is the worst one!

At least the other 2 give you some kind’ve “algorithm” that you can plug numbers into (note I am not saying this will work!)

Seriously, if you are considering purchasing the Lottery Winner University I would recommend just buying his book and you’ll probably get all the knowledge you need from Richard Lustig.

It will save you $49 a month.

In fact, I’m going to let this review for his book save you all your money…

Lottery Winner University Review


If you have any questions and I mean any questions about this Lottery Winner University review, please leave them below. If you have used or currently are a member please also add your opinions below.

As you get closer to the end of this page you will realise it is possible for people to earn money online to free up their time. Real people have used this proven 4-step process to earn more money than they’ve made before, whilst living life on their own terms.

Lottery Winner University Review: The “MakeTimeOnline” Final Word


If you are happy to leave your financial future to complete luck, then Richard Lustig’s program may give you an insight into how to be more lucky. By all means click here to give it a shot.

But I strongly recommend that you don’t do this.

If you are interested in living life on your own terms but have found it hard to find a reliable and proven way to make money online then check out my #1 recommendation.

Real people all over the world are using affiliate marketing to help other people, whilst travelling full time or spending their time doing what they love with the people they love.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Reviews, Affiliate Marketing, Not Recommended

What are Kennedy Accounts? Scam or Wall Street’s Best Kept Secret [2021 Review]

In the spirit of full transparency, know that this Kennedy Accounts review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Kennedy Accounts Review

You probably agree that most people would love to grow $500 into $1 million.

It just so happens that Kennedy Accounts claims it can do this for you. By investing smartly and avoiding fees this dream could become a reality. 

This Kennedy Accounts review (with video) will expose the truth behind the program and show you a way that anyone can legitimately start earning money online to free up their time.

Kennedy Accounts – The Overview and Rankings


  • Name: Kennedy Accounts (Total Wealth Insider aka TWI)
  • Owners: Banyan Hill/ Agora Financial/ Jeff Yastine (5 out of 100)
  • Website URL: kennedyaccounts.com
  • Training: 35 out of 100
  • Success Stories: 30 out of 100
  • Price: $47 Standard/ $97 Premium/ $129 Deluxe (for a year of TWI)… or a sneaky $19 (6 months of Total Wealth Insider)… all renew for $97 a year automatically!
  • Maketimeonline.com Rating: 23 out of 100

Pros and Cons


Pros

  • Provides some sound investment advice about how to avoid paying high broker fees
  • You will receive some stock suggestions that pay good dividends and reinvest automatically (growing your portfolio)

Cons

  • Black hat sales methods
  • Automatic renewal meaning you could pay more than the initial payment 
  • Information overload and not a clear strategy
  • Banyan Hill (part of Agora) has a poor rating online

What are Kennedy Accounts?


As you study this review in detail you will learn how President John F. Kennedy has created an awesome investment opportunity for anyone to benefit from. 

John F. Kennedy

A lot of people credit President Kennedy:

  • Averting nuclear war
  • Advancement of civil rights
  • Put humans on the moon
  • Economic reforms (slash taxes)

However, no one gives him credit for one of the most lucrative investment strategies in history. 

Yet this program played a strong role in generating the Kennedy’s fortune to over $1 billion.

Other people have also claimed to have benefitted hugely from this program. Such as…

  • Bill and Hillary Clinton
  • Warren Buffet
  • Bill Gates

And if you sign up by the end of this month you could turn $500 into $1.19 million!


Well, this is the sales pitch you will get sold anyway. 

If you’re like me you are starting to think…

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

So What are Kennedy Accounts Really?


In reality, Kennedy Accounts are Direct Stock Purchase Plan (DSPP) investments.

These are stocks that an investor can purchase directly from a company rather than through a broker.

Jeff explains this in this Banyan Hill Publishing video.

As you can see it is more specifically investing for dividends in certain companies (Dividend reinvestment plans or DRIPs)

So the advantage of buying these stocks are:

  1. You won’t pay the broker a fee
  2. You reinvest and dividend gains back into the company to grow your portfolio faster

Are you beginning to notice that there is no such thing as Kennedy Accounts? It is actually just a sales program to get you to invest in the Total Wealth Insider newsletter that Jeff Yastine writes. 

The big selling point to the Total Wealth Insider newsletter is:

  • Jeff will give you his top 5 Dividend reinvestment stocks available today.

But also note that there are many other programs out there that are offering the same stuff just like:

Why Have I Never Heard of Kennedy Accounts?


Here’s what Jeff will tell you…

Kennedy Accounts Review

“Wall Street influenced the government to ensure that companies that offered these “plans” were never allowed to advertise them.”

In reality, the reason you have never heard of them is that the name doesn’t exist!

I’m not kidding! 

As you continue to read this Kennedy Accounts review you will notice that Jeff has just made this term up. They are simply referring to DSPP or DRIP investments, which people have heard of.

Is “Kennedy Accounts” a Scam?


There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

I wouldn’t personally call the Kennedy Accounts a scam but they certainly are going to struggle to live up to turn $500 into $1 million.

Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes (such as the “Real Wealth Report” from Banyan Hill). If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Kennedy Accounts Red Flags


So even though I don’t think this program is technically a scam as it will provide you with some valuable information, it definitely does have some red flags that everyone should be aware of.

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Automatic Renewal of $97


I got stung with this one… twice (don’t tell my wife!)

So when I was a member of the “Real Wealth Report” by Banyan Hill I completely forgot to cancel the membership. 

I received regular emails and “Wealth Reports” that I thought was kind of useful. I enjoyed having a bit of a “punt” in the stock market at the time and I had some “loose change” that I figured I could use the “inside information” to put on the more risky stuff. 

Real Wealth Report

The thing was my £2,000 portfolio had halved (my own fault… I chose the high-risk stuff) and the advice they gave was so spread that it was really hard to know exactly what to do. 

And then I got charged for another year…

So I figured I’d try it out for one more year.

Yep…

You guessed it. 

I forgot again. 

When I called to cancel I spoke to about 6 different people before a woman with attitude cancelled my subscription… oh and unfortunately she could not refund that payment I just made. 

#2 Limited Spaces Available


This is a scarcity tactic… and a lie.

It is used all over the Internet to pressure people into buying.

Kennedy Accounts Review

There will certainly be more than 1,000 spots available at this price so do not let this force you into buying. It’s to make it seem like you need to hurry.

#3 There is No Such Thing as Kennedy Accounts


After a bit of digging (thanks Google!), it’s possible to find that these “Kennedy Accounts” are filed under IRS Code 852.

As you can read in the IRS document, there is no mention of “Kennedy Accounts” at any point. 

IRS code

It’s basically just a tax loophole that has been exploited and Banyan Hill (or Jeff Yastine) has given it the “catchy name”… Kennedy Accounts.  

#4 Low BBB Rating for Banyan Hill & Agora


Agora Financial has terrible reviews and over 300 complaints…

Agora Financial BBB Rating

Banyan Hill, which is part of Agora doesn’t do much better.

Banyan Hill BBB

The ranking is a mere 2 out of 5 stars and there have been 30 complaints in the last 12 months.

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Kennedy Accounts


As you’re still here I’m guessing you’d like to hear my opinion?

It’s not worth the money. 

Unshakeable

Are you beginning to realise from this Kennedy Accounts review that you will basically be taking advice from one guy? And as Tony Robbins says in his book Unshakeable… nobody knows what the market will do. 

The best way to invest in the stock market over the long haul is with index funds. Read more about some of the stats and reasons for this here (with a 20-minute podcast for FREE)

The best brokers and mutual funds will have poor runs just like the stock market.

If you are happy taking advice from someone then just Google it to find someone to take advice from…

For example, Money Morning gives their 5 top dividend stocks to invest in 2019. 

Or you can find alternative ways to invest in the real estate market with some of your funds.

Here’s the truth:

You can find this sort of information (arguably better information) out for free or for a fraction of the price in a book.

As you continue to read this Kennedy Accounts review you will discover that it’s possible to make money online to free up your time. There is a proven 4-step process that thousands of people over the world are using to replace their full-time income.

An Evergreen Strategy That Brings You The Money


It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

The biggest issue I found was that most systems either required a load of time, money or for you to sell to all your friends and family. I wanted to find a passive system that had a few things:

  1. I could work on when I wanted (I was still in a full-time job)
  2. Didn’t cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

It was in September 2018 that I found the system that I still use today to make a passive income stream. In September 2019 I quit my full-time job.

The best thing about it is:

  • It’s free to start
  • Customers are brought to you that are already interested (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey

When you try out this program you will see why so many people recommend it.

Kennedy Accounts Review: The “MakeTimeOnline” Final Word


So what are Kennedy Accounts?

The answer is a few recommendations of dividend stocks to invest in. Kennedy Accounts do not exist.

If you’re interested in living life on your own terms to:

  • Have extra spending money each month
  • Travel the world full time
  • Spend more time with your family
  • Do what you want each day

Then there are real people doing this by earning more than their full-time income online. 

And once you try the program for free you will see why so many people recommend it to their friends.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Dollar Trade Club review
Reviews, Affiliate Marketing, Not Recommended

Dollar Trade Club Review: Scam or Legit Opportunity? [2021 Review]

In the spirit of full transparency, know that this Dollar Trade Club review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Dollar Trade Club review

If you have found this page then you probably found the Dollar Trade Club sales pitch and… let’s call it “ambitious” claims. 

How does turning $50 into $1.3 million sound to you? They even prove how this was possible within a few months of investing using real historical data!

This Dollar Trade Club review will expose the truth behind the system and show you that it is genuinely possible to make money online. 

Dollar Trade Club Review – The Overview and Rankings


  • Name: Dollar Trade Club
  • Owners: Agora Financial- Zach Scheidt & Alan Knuckman (5 out of 100)
  • Website URL: pro.dailyreckoningnews.com/
  • Training: 30 out of 100
  • Success Stories: 5 out of 100
  • Price: $250 Lifetime membership/ $30 per month
  • Maketimeonline.com Rating: 13 out of 100

Pros and Cons


Pros

  • Provides information to help make investment decisions
  • Gives you high return investment opportunities

Cons

  • Information overload (ends up a bit of a mess)
  • Returns are not guaranteed 
  • Quite expensive for what you actually get (aka newsletters…)
  • Black hat sales tactics 

What does Dollar Trade Club do?


It helps you to invest in penny cryptocurrencies to make millions. 

Zach Scheidt and Alan Knuckman (some financial “gurus”) have whittled down thousands of blockchain investments to provide “the best 7 blockchain jackpots” for you to invest in. 

Or have they?

Dollar Trade Club Earnings

As you continue to read this Dollar Trade Club review you will uncover the truth behind the system.

What does Dollar Trade Club Provide?


At first glance it looks like there is a lot you will get from Dollar Trade Club:

Dollar Trade Club Product

However, when you look closer you will realise you really only get a bunch of newsletters through email or as a “bonus”.

But also note that there are a lot of other programs out there that offer the same stuff, such as:

How Will This Help?


The sales video makes it seem like all you need to do is invest $50 and watch your pot grow at a frightening speed!

Dollar Trade Club Earnings

As you can see from the badly hand drawn graph above they don’t really provide you with any valid proof either. 

After enduring the 30 minute sales video you can finally unravel what they actually do… 

Invest in blockchain companies like Blockchain 360 or Digital X ltd. 

And before long you’ll realise that these companies invest in promising Blockchain projects. 

So simply put… you will be investing in a program… to recommend a company you should invest in… and that company invests in blockchain.

Simples… What could possibly go wrong?!

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

Hang on What is Blockchain, Cryptocurrencies and Bitcoin?


Ah great question. Wouldn’t it be great if this was actually expained to you at some point. 

As the sales video seems to miss this info out here you go…

Bitcoin

Bitcoin is a cryptocurrency, a form of digital cash. It is not owned by a central bank and there is a limit to how much can be mined (created). 

Cryptocurrency is a digital asset that works through a distributed ledger (everyone can see ALL of the transactions). There are thousands of other cyrptocurrencies i.e. Ethereum, Ripple etc.

Blockchain is the overall technology that the growing list of records (or blocks which makes up the ledgers) that cryptocurrencies use.

Now that we understand all this, I can almost hear your mind thinking…

Is Dollar Trade Club a Scam?


There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

Dollar Trade Club appears to be the latter. 

It’s not a blatant scam as it will deliver the newsletters that it claims it will. But it certainly doesn’t live up to turning $50 into $1.3 million. 

Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes. If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Dollar Trade Club Red Flags


The more you keep reading this Dollar Trade Club review, the more you will understand the truth behind the program. 

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 Scarcity Tactic


Let’s face the facts, there is no need to hurry to buy this program.

It’s an online newsletter that will keep getting sent out (supposedly).

But there is an underlying sense of urgency throughout the whole sales video.

There is a strangely different sounding voice that says “Hurry to act before 2nd November” when you watch the video. 

And when you go to checkout there is a timer at the top of the page saying you have 15 minutes to buy. 

However, when you refresh the screen and it simply restarts! This is always a bit of a red flag as they are not being honest with you or helping you make an informed decision. 

#2 The Dates Don’t Even Match!


When you move your mouse to exit the page you get the option of seeing the video or transcript. 

In the script, it says you need to act before January 14th.

Dollar Trade Club review

But in the video, the voice over says “Hurry to act by November the 2nd”.

It’s now May and they are still offering this package. 

Are alarm bells starting to ring in your head now?

#3 Agora Financial


There are many different reviews about Agora financial including the 300+ complaints on BBB

Agora Financial BBB Rating

From my own expereince with them they provide information overload. 

For example, you will receive 9 “bonuses” when you join Dollar Trade Club… this is NOT a good thing!

Each bonus involves different things such as “retirement investments” and “the morning market reviews” making it hard to focus your efforts on one thing. It’s proven time and again that the more you can focus, the more successful you will be.

In the sales video they even claim that they avoid “noise” in the market. However, they are just going to send you noise over and over again.

Are you beginning to see there is no real step-by-step system to use with Agora Financial?

#4 $50 Turns Into $1.3 Million


Seriously??

Do they really expect us to believe this ludicrous claim?

Remember amigo… if it sounds too good to be true, then it probably is. 

#5 No Guarantee of Income- It’s Improbable But Not Impossible 


There’s one part of the video that uses historical data to show you how it was possible to turn $50 into $1.3 million. 

Honestly, anyone can go back through history and tell you exactly what you should have done. 

If you could go back in time it’d be easy to put all your money into Apple, Amazon or Bitcoin before the big profit.

At no point during the sales video did they show any proof that they can make these kind of predictions before the investments became successful.

They also manage to miss out the fact that there are over a thousand crytptocurrencies to bet on. And they will not all achieve 500% gains, in fact many of them disappear!

#6 It’s Yours For Free… For $250 (WHAT?!)


So throughout the video you are told that all this information can be yours for free. Simply put in your email address…

After you put your address in, it claims you are just one click away…

Dollar Trade Club Checkout

But all of sudden you have to put your card details in to pay for a $250 “lifetime membership”.

I’ve even read a review from someone that has paid $30 per month for this and hasn’t received anything

Dollar Trade Club Review

As you continue reading you will learn that there are ways to make money online to free up your time. But if you’re like me you’re getting pretty suspicious of this program by now. 

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Dollar Trade Club


You want my honest opinion?

It’s simply not worth the money or your time.

You will have to do a lot reading to try and work out what you should invest in (I know because I’ve used an Agora Financial program before). 

And even then there is no guarantee of any sort of success.

Alan even tells you that in the video!

You’re much better off using one of the best discount stock brokerages and learning more about index funds than joining a program like Dollar Trade Club.

But there are other ways to make money from home.

How I make passive income online


It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

I wanted to find a passive income system that ticked a few boxes:

  1. I could work on part-time when I wanted (I was still in a full-time job)
  2. Therefore I needed it to not cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

The best thing about it is:

  • It’s free to start
  • Qualified traffic is brought to you for free (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey (someone that has been through the exact same process to help you avoid the mistakes I made, but not too far ahead to forget what it feels like)
  • You don’t need ANY technical skills to start

When you try out this program you will see why so many people recommend it.

Dollar Trade Club Review: The “MakeTimeOnline” Final Word


There are clearly some concerns regarding Dollar Trade Club. 

I wouldn’t recommend this program to you unless you have some spare cash that you would like to “take a punt” with.

If you are looking to make money online without “taking a punt” through a proven 4-step process then my #1 recommendation may be more suited to you.

People all over the world are using affiliate marketing to:

  • Travel full time
  • Spend quality time with their family that is growing up
  • Have some extra spending money every month

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Reviews, Affiliate Marketing, Not Recommended

Freedom Checks Review- Scam or Easy Money Opportunity? [2021 Review]

In the spirit of full transparency, know that this Freedom Checks review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. Click here to read my full disclosure policy.

Freedom Checks Review

If you are reading this page then you probably want to know more about what Freedom Checks are. 

It sounds very exciting that real U.S. taxpayers can receive such large sums, such as $54,863, from these so-called “Freedom Checks” doesn’t it?

You’re smart enough to know that things that sound too good to be true often are. Which is probably why you are on this website. 

This Freedom Checks review will uncover the truth behind the checks and how real, every day people can replace their income with a legitimate opportunity. 

Freedom Checks – The Overview and Rankings


  • Name: Freedom Checks/ Real Wealth Strategist
  • Owners: Matt Badiali/ Banyan Hill Publishing (5 out of 100)
  • Website URL: pro.banyanhill.com/p/FREEDOM17
  • Training: 35 out of 100
  • Success Stories: 20 out of 100
  • Price: $47 Standard / $79 Premium / $129 Deluxe annual fee (+ $97 automatic renewal each year)
  • Maketimeonline.com Rating: 20 out of 100

Pros and Cons


Pros

  • Provides info on what MLP companies may be good to invest in
  • Gives a wide range of investing information 

Cons

  • Information overload… no clear strategy from the Real Wealth Strategist (ironic huh!?)
  • Black hat sales techniques
  • Freedom Checks do not exits… read on to learn more
  • Poor rankings and reviews for Banyan Hill 

What are U.S. Freedom Checks?


These “U.S. Freedom Checks” are supposedly available to U.S. taxpayers.

Freedom Checks Review

And Matt Badiali goes into great detail about how much these checks can earn you. In fact, you can see what other people are saying about this new alleged scheme…

Freedom Checks Testimonial

However, as you continue to read this Freedom Checks review, you will uncover the truth behind them.

Including the fact that this is just a made up name by Banyan Hill Publishing to make them sound more exciting than what they really are!

The Truth About Freedom Checks


OK, you want the truth… You can’t handle the truth! (Well that’s what Matt Badialdi thinks)

As you continue to read this Freedom Checks review, you will learn where the name “Freedom Checks” really comes from. 

These Freedom Checks are really just Master Limited Partnership (MLP) companies

There are 2 main features of an MLP company:

  1. Tax advantages  
  2. Required to pay all available cash to investors (i.e. regular checks!!)

In fact, here’s good old Matt explaining what these “Freedom Checks” really are (it’s anyone’s guess why this is not in the original sales pitch?!)…

https://www.youtube.com/watch?v=4sCMlK7_zbc

So the government put a program in place to help big companies be more tax efficient to compete with overseas companies. 

The program is called Statute 26.

You can read all about this in this eight-page PDF for free with a bit of digging on the Internet. 

Or you can get the information on the “Freedom Checks” by paying your choice of money with the Real Wealth Strategist Membership…

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

What Comes With The Real Wealth Strategist Membership??


A lot!

And there are a whole bunch of different price points that offer this from $47- $79- $129 (for very little difference between them!)

So if you really want to know what’s included here you go:

  • Access to the model portfolio (includes info on the freedom checks)
  • Access to the Beginner’s Guide to Investing and The Real Wealth Strategist Trading Manual
  • Weekly updates
  • Urgent trade alerts
  • Private monthly briefings
  • The Golden Rolodex Series 
  • Members-Only Weekly Podcasts
  • Access to the Real Wealth Strategist website 
  • Quality customer service
Real Wealth Strategist

Added bonuses:

  1. Marijuana Millionaires: How to Make 10x Profits in a $475 Billion Industry
  2. The Mining Coup of the Millennium 
  3. “Magic” Metal Riches: Make 3,000% Gains on the Commodity Trade of a Lifetime 
  4. Alpha-Investor Report

So you make think this extra information is a good thing. But as you continue to read on you will realise why throwing all of this at you is not necessarily a good thing for anyone. 

Now, I can almost hear your mind screaming…

However, you also need to know that there are loads of other programs that offer the same stuff. Here are some of the most notable ones:

Are Freedom Checks Legit… Or Are Freedom Checks a Scam?


There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

It’s 100% not number one as this is a real company and you’ve just seen you will get a heap of information thrown at you. But I would say it will be pretty hard to live up to their large promises of receiving checks for $50,000+.

If you invest a LOT of money then, of course, it’s possible. But that is the same investing in any stock in the stock market.

Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what Freedom Checks genuinely does. This is because I have been burnt from programs just like this in the past (such as the Real Wealth Report from Banyan Hill) and I want to prevent others from making the same mistakes. If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Freedom Checks Red Flags


Here are some of the hidden truths you need to be aware of before purchasing the Real Wealth Strategist.

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 BBB Rating for Banyan Hill Publishing


So Banyan Hill Publishing doesn’t have a great Better Business Bureau rating. 

Banyan Hill BBB

Only 2 stars out of 5 and over 70 complaints. 

They really vary from people being charged more than they were aware of… refunds taking ages to get back… and a lot are similar to this one…

As a former member of a Banyan Hill program, I can certainly vouch for the overkill in emails, which leads onto the next red flag…

#2 Information Overload and no Clear Strategy


Hang on… 

When you go through to the final payment page look what comes up…

At no point in the sales pitch have you heard anything about cashing in on the legalisation of Marijuana. Now it seems to be the headline of what you’re about to pay for!!

If the membership you’re about to sign up to isn’t even sure what the main product is then how are you supposed to know exactly what to invest in?

#3 Only 1,000 Spaces Left


Bull honky!!

Freedom Checks Review

It’s an online information newsletter!! It costs them $0 to send it out and they will not turn people away from signing up!

This is just a marketing tactic to try to hurry people into making a decision… but it’s also a lie!

#4 Are These Fake Testimonials?


It’s hard to say for sure but this, unfortunately, is quite a common sales tactic again from online courses.

Do you remember seeing some of those testimonials in the crazy long sales pitch video?

Freedom Checks Testimonials

Well see if you can recognise Mike Reed on Shutterstock (a free stock picture website)

Freedom Checks Review

Let me ask you this… If someone is happy to leave a testimonial, why aren’t they happy to use their own picture or have a video testimonial, or better yet… a way to contact them?

#5 So Are These Reports Actually FREE?


Nope!

Freedom Checks Review

They come with the annual subscription to the “Real Wealth Strategist”

Real Wealth Strategist

Yep, you guessed it… another black hat sales tactic. The word “free” stands out but there is no way to try the newsletter out or receive ANY of this information for free from them.

#6 There is no Such Thing as “Freedom Checks”


Matt Badalini even admits that “he calls them freedom checks”.

No one else does as they are not really a thing. 

Freedom Checks Review

It’s just a fancy phrase made up by Banyan Hill to make them sound more enticing. 

Here is what they are not:

  • Social securities checks that you can just claim. 

Are you beginning to realise they are just checks you can receive by investing MLP companies?

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Freedom Checks


OK so here is my humble opinion…

It’s just not worth the money.

You can receive the information and tax breaks that they talk about for free on the Internet. 

It’s possible to learn more about investing in the stock market for free. In fact, it is argued by some of the world’s financial giants (i.e. Warren Buffet, Ray Dalio, Andrew Hallem, Tony Robbins) that the best way to invest for the average investor is through index funds. Read more about this in “The Best Way to Earn a Passive Income to Retire Early“.

Stock Market Investing

Sure, you may be able to make a quick buck through Matt’s recommendations. 

But the fact is nobody knows what will happen to any given company or the stock market.

Unless you have a LOT of cash to invest then this program is definitely not for you (and even if you do I highly recommend learning about how index funds consistently beat most investors in the long run. 

If you have any questions and I mean any questions about Freedom Checks, please leave them below. If you have used or currently are a Real Wealth Strategist member please also add your opinions below.

As you continue to read this Freedom Checks review you will realise that there are ways to make a passive income online to replace your full-time income. In fact, normal people all around the world are doing this. 

Freedom Checks Review: The “MakeTimeOnline” Final Word


So Freedom Checks are not an actual thing. 

But making money online to free up your time is. 

The program I have been using since September 2018 has helped people all over the world to replace their full-time income (and some!) to live life on their own terms. 

When you check out the video below it will lead you to my Wealthy Affiliate review, which will explain how the program works in much more detail.

The best thing is that you can try it out for free to understand more about how affiliate marketing works and learn how it can become a great way to earn passive income with little investment needed.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Technology Profits Confidential Review
Affiliate Marketing, Not Recommended, Reviews

Technology Profits Confidential Review: Scam or Legit Penny Stock Program?

In the spirit of full transparency, know that this Technology Profits Confidential review contains affiliate links. This means if you make a purchase through these links, I may receive a small commission at no extra cost to you. In fact, you will often receive a discount or bonus signing up fee! Click here to read my full disclosure policy.

Technology Profits Confidential Review

You probably know that most people would like to make some good money from a small investment.

Technology Profits Confidential claims to be able to help you do just that. All you need to do to get started is sign up to their program.

This Technology Profits Confidential review (with video) will reveal the truth to help you make an informed decision about your future.

Technology Profits Confidential Review – The Overview and Rankings


  • Name: Technology Profits Confidential
  • Owners: Agora Financial/ Ray Blanco (35 out of 100)
  • Website URL: sevenfigurepublishing.com/publications/tek/ (phone: 1-844-858-9328 )
  • Type: Invest in Technology Penny Stocks
  • Success Stories: 10 out of 100
  • Price: $199 annual membership
  • Maketimeonline.com Rating: 22 out of 100

Pros and Cons


Pros

  • Tips on investing in technology penny stocks
  • 3-month refund window

Cons

  • Black hat marketing techniques
  • Poor reviews online
  • Information overload from Agora Financial… no step-by-step system to follow

What does Technology Profits Confidential do?


As you read every word of this review you will discover that the goal of Technology Profits Confidential is to help you decide the best time to invest in some of technology’s most promising companies and ideas.

Simply put Technology Profits Confidential will provide you with recommendations from Ray Blanco on penny stocks to invest in.

And you remember the story of the Wolf of Wall Street… it’s possible to turn a small amount of money into a fortune with penny stocks.

Has this got your interest now? OK, so…

What Will You Get With Technology Profits Confidential?


Here are some of the benefits to joining Technology Profits Confidential:

  • Monthly Technology Profits Confidential Issues
    Email and a physical copy of investment recommendations once a month
  • Weekly Portfolio Updates
    Up to date email every Friday
  • First Read Access to All Special Reports
    In-depth analysis of the best companies in the biotech industry. Access to all previous reports and any future reports
  • Updated Portfolio View of all Recommended Open and Closed Positions
    Interactive charts, performance and related content around each pick.
  • Daily subscription to 5 Minute Forecast.

As you can see you will get a heap of emails and updates into Ray’s recommendations of investments in the tech and biotech industry.

If you’re like me then you’re probably wondering…

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

What is the Biotech Industry?


The Balance’s definition of the biotech industry is:

Using science to create novel drugs and pest-resistant crops.

And as you absorb this information, you’ll realise that any technology stocks can rocket very quickly just like this…

Chart

But just think about it…

If they can go up that quick what’s the catch?

It’s important to be aware than penny stocks can go completely bust and it’s extremely hard to know what ones will do well. However, there is very little information about the risks associated with investing in penny stocks on the companies website.

However, you also need to note that there are many other programs out there that are offering the same stuff, just like:

Now, I can almost hear your mind saying…

Is Technology Profits Confidential a Scam?


There are two main ways an online course can be a scam:

  1. Take your money and run off into the sunset, never to be heard from again
  2. Provide some information but it doesn’t live up to their promises

It’s safe to say that it is not a scam type #1.

However, as you continue to read this Technology Profits Confidential review you will find some of the hidden truths behind the company.

Just to be fully transparent with you, I have not purchased this program myself and I do not endorse it in any way.

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs just like this in the past and I want to prevent others from making the same mistakes. If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Technology Profits Confidential Red Flags


Little by little you will find out the hidden truths about Technology Profits Confidential.

As you read on to the end of the page you will get excited about an opportunity that exists to make passive income online. This will help you to make a more informed decision on whether the product is right for you.

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 BBB Complaints About Agora


Agora financial is a legitimate company, I have invested in another program by them before “The Real Wealth Report”.

However, you can see on the Better Business Bureau (BBB) that there are a lot of complaints (336 and counting!)

BBB Agora Financial

My personal complaint about the company was that there was no clear strategy to follow.

They bombard your inbox with emails and information that often contradicts itself.

Now let me ask you this… do you like to feel overwhelmed and unsure what the best action is to take?

#2 Fake News Site


You may have stumbled onto the amazing news story as seen below…

However, this is just a page hosted by Agora Financial as you can see from the URL. All of the links that suggest “You may like” just direct you back to this same page.

Starting to sound a bit strange eh?

#3 No Mention of the Down Side


Here’s a fact for you:

Penny stocks can go to 0 quite easily as you can see below…

Penny Stock Crashing

Now they may have a tiny Terms and Conditions at the bottom of the payment page but they do not make this clear on their sales page or website at any time before you dive in.

Yes it’s possible to make a killing, but it can just as quickly turn the other way!

Let me ask you, would you be more inclined to buy something knowing more information about the risks or not?

#4 Customer Reviews


Pissed Consumer shows a whole heap of “pissed” customers with Technology Profits Confidential.

Technology Profits Confidential Review

This example sums up the most common complaint against the program.

#5 Fake Testimonial


This is one of the BIG red flags for any program!

See if you can recognise this guy…

Technology Profits Confidential Review
Technology Profits Confidential Review

The second picture is on “shutterstock” a free stock photo website that anyone can use.

You’ve got to wonder how goo Technology Profits Confidential is if they can’t get someone willing to use their own photo and a testimonial.

#6 Scarcity Tactic


Do you see that timer at the top of the checkout page?

Technology Profits Confidential Review

If you were to let it tick down to 0 seconds all you need to do is refresh the page and then you can pay.

This is a common marketing tactic to make you think you need to act quickly rather than make a logical decision.

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Technology Profits Confidential


Do you want my honest opinion?

It’s just not worth the money.

I don’t deny that this is a legitimate program and has the potential to make you a quick buck. But penny stocks are so unpredictable that it is just like gambling.

There is no sufficient evidence of people that have used this program successfully to make me think it is worth my $199 investment (not to mention the extra investments you need to make to buy the penny stocks!)

I don’t recommend Richard Lustig’s “Lotto Annihilator” program but I would rather give that a go over this one if I was going to leave something to chance.

The closer and closer you get to the end of this review the more you will realise that there are thousands of people making money online in an ethical and meaningful way…

An Evergreen Strategy That Brings You The Money


It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

The biggest issue I found was that most systems either required a load of money or a load of luck. I wanted to find a passive system that had a few things:

  1. I could work on when I wanted (I was still in a full-time job)
  2. Didn’t cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

It was in September 2018 that I found the system that I still use today to make passive income and quit my full-time job.

The best thing about it is:

  • It’s free to start
  • Customers are brought to you that are already interested (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey

Once you give this program a try you will see why so many people recommend it.

Technology Profits Confidential Review: The “MakeTimeOnline” Final Word


As you come to the end of this page you will realise Technology Profits Confidential is not a scam. It has the potential to make you a lot of money from a little investment.

If you are prepared to leave this up to chance and have the time to read the email recommendations and reports then it may work for you and I wish you good luck.

However, if you want to take control of your financial future and get started today by investing your time into a long term passive income strategy, then read on.

If you have any questions and I mean any questions about Technology Profits Confidential, please leave them below. If you have used or currently are a member please also add your opinions below.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More
Lotto Annihilator Review
Reviews, Affiliate Marketing, Not Recommended

Lotto Annihilator Review- Richard Lustig Scam or Genius Money Machine?

Lotto Annihilator Review

If you’re anything like me, then you would probably quite like to win the lottery…

Who are we kidding, how fricking awesome would that be?!

Buy a ticket… do nothing and wake up to millions of dollars in your bank account.

No more working for “the man”… time to spend with your family… travelling the world!

Can a system really be capable of helping this dream become reality? This Lotto Annihilator review will expose the truth behind the system and how real people can earn passive income online.

Lotto Annihilator Review – The Overview and Rankings


  • Name: Lotto Annihilator
  • Owners: Richard Lustig (25 out 100)
  • Website URL: lottoannihilator.com
  • Success Stories: 25 out of 100
  • Price: $97 (+$27 Richards Lottery Secrets)
  • Maketimeonline.com Rating: 25 out of 100

Pros and Cons


Pros

  • Provides a strategy for selecting Lottery numbers
  • There is proof the guy who made it has won some prizes
  • Honest about what results to expect

Cons

  • The Lottery is technically completely random every time it’s drawn
  • Mr Lustig hasn’t won anything since 2010
  • Same program… different name!
  • Black hat sales tactics to rush you into buying it
  • You can put in a lot of time to figuring this system out without any guarantee of any results
  • At the end of the day, you still need luck

What does Lotto Annihilator do?


Simply put it is a system that will help you predict lottery numbers to win the lottery!

Lotto Annihilator Review

To be fair to Richard Lustig he does make it clear that it may not be millions but people are using the system to win the likes of $6,000 and $13,000. 

The Lotto Annihilator makes it look like it may really be a system that can help you. 

This Lotto Annihilator review will show you there are 5 simple steps for you to follow:

  1. Start writing down the numbers of each of the games you want to play
  2. Plug at least the previous 7 winning numbers into the formula Richard has created (based on complex maths that has already been done for you!)
  3. Go and purchase your tickets based on the numbers the formula gives you
  4. You may win a small prize the first time or even nothing at all, but don’t get discouraged!
  5. Keep repeating for as long as you like

And this supposedly works for any lottery game around the world!

Ready to make passive income online?

Hey, I’m Mike.

I created a passive income online within a year. I had no marketing skills or online experience when I started. 

Mike Beatty

Is Richard Lustig Really Just After Your Money?


When I reviewed Auto Lotto Processor, I genuinely thought that this guy had made some money on the lottery, spunked it all then tried to claim that he knew some fancy system to win the lottery (as if!!… right?)

But I really went to town on working out some of these systems and whether it is genuinely possible to do. 

In hindsight, I think he is trying to help people. 

Some people actually think he may be onto something. Just look at how many news stories there are on people that have won more than one time on the lottery…

Lotto Annihilator News Story

In the sales pitch, he even says…

Lotto Annihilator Charity

He is pretty upfront with you too…

My opinion has definitely started to change about Richard Lustig. But, I can almost hear your mind saying…

Also, it would be wise to learn that there are loads of other programs that share the same opportunities such as:

Is Lotto Annihilator a Scam?


Just to be fully transparent with you, I have not purchased this program myself.

So I will stop short of calling this program a scam outright. 

I have researched the website, testimonials and information on the Internet to get to the bottom of what this program genuinely does. This is because I have been burnt from programs like this in the past and I want to prevent others from making the same mistakes! If you’d like to learn more “Ways to Spot an Online Marketing Scam” then click the highlighted text.

The more you read this Lotto Annihilator review, the more you will see the truth about the program.

Tired of expensive crappy Affiliate Marketing courses? Check out how I make money online here!

Lotto Annihilator Red Flags


Since you’re still here I’m going to assume you want to know the truth. 

So here are some of the red flags that everyone should be aware of before purchasing…

Key Terms:

  • Black Hat Methods – Using lies and unethical methods to make someone buy something
  • White Hat Methods – Being honest and genuine to help people make informed decisions about purchases
  • Red Flag – A warning sign

#1 The Sales Pitch


OK, so the sales video is very clever. Some of it is just good marketing but some of it is outright lies to make you want to buy it.

Here is a list of some of the white hat methods that the sales video uses:

  • Pulling on emotions- You could spend more time with family, buy a house you deserve and do what you want to do etc.
  • Richard is relatable- telling his story of being stuck in a job, thinking there’s more to life etc. 
  • Addresses other reviews claiming his system is a scam

However, the scarcity tactic claiming that there are only limited spots and time available to purchase the system is an outright lie.

Lotto Annihilator Review Scarcity Tactic

Richard’s previous 2 programs (Lottery Winning University and Auto Lotto Processor) are very similar to this one and they still exist for people to purchase. 

Are you beginning to see how there is no limit to how many people can sign up?

#2 Unverified Claims


“People have used this system to win millions of dollars!!”

So where’s their honest Lotto Annihilator review?

This is awesome if people have done this but there was no proof about some of these wins…

Lotto Annihilator Review Claims

Seriously, just think about it…

If this was your program, wouldn’t you get a video testimonial and some proof this happened? He even got a signed letter from previous people that used his system to win smaller amounts of money. 

#3 Product Sold Through Clickbank


Clickbank is a legitimate affiliate marketing website where people that have created a product (like Lotto Annihilator) offer other people a commission to market their product.

Simply put, Richard will pay people a commission to advertise his program on the internet. 

WA Affiliate Marketing 4 step Process

Just type in Lotto Annihilator review in Google and you will see a heap of people claiming this is the best thing since sliced bananas.

However, Clickbank is known for poor products and scams, particularly in the “e-business and e-marketing” sector. Check out a previous product I reviewed to see what I mean “Five Minute Profit Sites Review”.

The good thing about Clickbank is the money-back guarantee does normally work. 

But it can be really time-consuming to contact them and hassle them. It’s 100%, not a “no questions asked” kind of money-back guarantee.

Just look at the emails below between me and another Clickbank product. It took a month for them to confirm the cancellation and there was a lot of toing and froing of emails to get it sorted.

Clickbank Email Refund
Clickbank refund

This is a massive waste of time and effort that could be spent better elsewhere.

Affiliate marketing is a legitimate online business strategy and the worlds best online marketers use it. Check out “How Michelle Makes Over $100,000 a month on her website

Related content:

#4 They Even Tell You The Truth- The Disclaimer… 


The disclaimer actually made me laugh out loud!… 

Most of Richard’s Lotto Annihilator customers will not win the lottery, and you should not expect to win the lottery by purchasing Lotto Annihilator or following the program“…

Then it continues to say… 

This website and the Lotto Annihilator product are for informational and entertainment purposes only“…

Have you noticed yet that they are genuinely telling you the truth, which I must take my hat off to them for?

But it can be hard to notice the truth past the clever sales pitch that pulls on the emotions and our wants!

#5-8 Same As the Previous System By Richard Lustig


Check out my review on “Auto Lotto Processor” to see the red flags for this program. 

The exact same ones still apply but there are even more that I have found this time around.

Auto Lotto Processor Review

It includes:

  • A scientific study by Insider Today proving it won’t work
  • Re-naming the software 3 times (at least!)
  • The 60-day guarantee… not so guaranteed

Are you beginning to realise the list is ongoing?

You’ve got to wonder why the more you look into it, the more red flags you find. 

Ready to make passive income online?

I’ve created a growing passive income online with no marketing skills or online experience… 

I’ve made a special video for you to explain exactly how I did this.

Make Time Online Income

My Opinion – Lotto Annihilator


So you want my honest opinion?

OK then, let me paraphrase all this into a few sentences…

  1. People want the idea to work (winning the lottery… duh!)
  2. It kind of gives a strategy to “gamble on the lottery” and you will probably get some wins (I tried his scratch card system… won about £30 from £20, lost £20, won £15 from £10, lost £10… it’s very time-consuming and you are completely gambling!)
  3. But because it is sold on Clickbank people jump on the reviews like it’s the best thing since sliced bacon.
  4. It’s not. 
  5. There are ZERO guarantees you will make money. 
  6. It will 100% guarantee you will need to spend time working things out and watching numbers, that let’s face it… are drawn completely randomly.

In 2018 I had no idea what affiliate marketing was. 

Once I learnt about it, it just seemed like a great business model that can grow over time using the power of the internet. 

So I tried to figure it out by myself… that got me nowhere fast.

Then I fell for some terrible online scams. 

But eventually, I found Wealthy Affiliate. It teaches long-term proven strategies to build an online business with all the tools & support needed. 

And this happened…

Make Time Online Income

Once you learn the process of getting thousands of people to find your website every month (for free) there really is not limit to what you can achieve online. 

I’ve reviewed hundreds of courses or programs that claim to help people make money online. And I’ve spoken to dozens of 6-7 figure online entrepreneurs on my podcast.

This is by far the best place I’ve seen to help beginners get set up on the right foot. You can read my full Wealthy Affiliate review here (including the pros and cons!) 

Or you can watch an insiders video I made that explains exactly how it works here.  

Mike PE teacher to Passive Income Online
Read More