The most useful site on the internet if you want to make money online, Wealth Matrix Review

You can determine a financial emergency once you
experience a situation that can render you moneyless,
homeless or without any important property. You should
differentiate this kind of emergency from a
threatening phone call or letter from a bill
collector.

When experiencing such emergency, it is crucial to act
immediately and begin by contacting the creditor.
Doing so enables you to work out a temporary solution,
which can help you keep your properties. However, it
does not always work and if so, getting in touch with
your lawyer to negotiate with the creditor is helpful.

Face the Problem

The common misconception in debt problems is “the less
you know, the less it hurts”. However, you must learn
how to face your debt problems. You must be able to do
this since rebuilding and repairing the credit will
not take place when you do not know exactly where your
money goes or where it must go instead.

Although it is not harmful to overestimate your debt,
it is always beneficial to know how much money you
really owe. You can do this by taking a look on the
bills you have received. In case you have thrown out
your bills without even opening them, you can still
call customer service and inquire about the bills.

There are several creditors that use automated
telephone systems. This can provide a balance and
information regarding the payments automatically.
Additionally, information about your account might
also be available on your creditors’ Web sites. After
acquiring the necessary details, sum it all up,
especially those past due installment bills and your
monthly obligations.

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Options Available for Your Debts

There are several options available when dealing with
debts. One is to do nothing. This option is probably
the most popular approach used by those who are deeply
in debt. Most often, these people have very small
income and property and do not normally expect any
change in their lifestyle. If you do not anticipate
any steady income any time soon, you can consider this
option.

However, if doing nothing does not help, you can find
money to pay your debts. You can do this by, first,
selling a major asset, like a car or a house. This can
be a good choice if you can no longer afford your car
or house payments. Instead of waiting for a
repossession or foreclosure to happen, selling a
property is always a better.

The proceeds you gain from the sales can help lessen
your debt and enable you to pay off anything you still
owe. More so, you should remember to pay off the liens
placed by the creditors and use anything that is left
to aid you in paying your other debts. However, before
taking this step, make sure that you already came up
with an alternative for your housing or transportation
needs.

Another way, which can help you pay off your debts, is
to cut your expenses. Not only will this eventually
aid you in the payment but also in negotiating with
your creditors. Try to shrink the cost of your food by
clipping coupons, purchasing generic brands, buying
when there is a sale or shopping at outlets with
discounts.

Yet, if you cannot seem to cut your expenses, you can
always borrow money from a tax-deferred account.
Tax-deferred retirement account, like IRA or 401(k),
can help pay off debts by withdrawing money from them
before retirement. However, since you may need to pay
a penalty or taxes, this should only serve as your
last resort.

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Make money online? The most useful site on the internet. Wealth Matrix Review

10 Tips to Better Marketing – Six; Understanding A Recessionary Market

 

There are more and more surprises with this recession. The environment for doing business has certainly gotten tougher, with companies laying off people in order to curtail runaway costs in their budgets. Certain industries are suffering severely, and that might make you think that there aren’t any prospering, but that’s not true. In addition, not every demographic has suffered equally. To really understand the environment of this recession, one has to pay attention to what industries are affected most and why some people suffer more than others.

 

Collapsing Industries

 

Obviously, the biggest problem with the economy started with the collapse of the housing market around the country. This led to layoffs in construction and a huge drop-off of real estate investments. Lenders who lent money to people who could not afford their mortgages also got affected as buyer after buyer got foreclosed, depressing the markets and the income levels in certain regions across the country. The economies that had real estate booms with double-digit gains during previous years are now the ones facing a large glut of foreclosed homes and many unemployed workers.

 

This is trickling into other areas, not just construction. Financial services areas are in stasis, frozen with fear, about where the next credit or debt problem will arise in the market. Borrowing has become very difficult and that has affected retailers and businesses that have to borrow to make payroll or operating expenses. Many of these closed too.

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In addition, banks with unsupportable balance sheets have had to be bailed out to keep the economy from teetering into oblivion. These are times for people with nerves of steel and an ability to weed out the real bad news from the panic that keeps reasonable decisions from being made to provide a path back to prosperity.

 

Don’t Hide, Analyze

 

Every downturn provides an opportunity as well as a calamity. Smart business owners know that in order to have a business, one has to provide solutions to problems that are out there, and right now, there are plenty of problems out there. By analyzing the trends going on in the marketplace, Internet marketers can start to figure out how to position themselves for the next cycle in the economy that always takes place after a recession: Recovery. Until then, they can crunch the demographics numbers, the market returns, and the changing needs to better adapt to changing market forces.

 

The most useful site on the internet if you want to make money online, Wealth Matrix Review

Make money online? The most useful site on the internet. Wealth Matrix Review

10 Tips to Better Marketing – Four; Value: A Key Element of the New Economy

 

There’s no question that value is going to be the most important element of the buying decision for most consumers during this recession. But, it isn’t just the consumer that has this in mind. Our entire society is beginning to question the mindless consumerism that has created environmental nightmares and economic bubbles that collapse, leaving many destitute overnight. Slow, and steady growth is a way to create real value in one’s life and also to preserve it when a downturn occurs. And, for that, you need products and services that meet a “real” need, that last a while, and that are reasonably priced.

 

What’s A Real Need?

 

The focus in a sustainable economy is to produce items that provide real value to the user or society. So, you see that even though oil is the basis of our energy economy, there is a whole lot of talk about increasing incentives so that green businesses can come into their own. There is a real need to provide energy that is not dependent on foreign oil and green alternatives will meet that real need.

 

For consumers, a real need can translate to any of the products or services that have to be purchased, regardless of the state of the economy. These are food, fuel, shelter, clothing, and health care. For those that are out of a job, retraining them in skills will make education a “real” need too. So, anything that is catering to the needs of the marketplace and solving an economic problem is going to be a real need at this time. It doesn’t mean that other products and services won’t be able to sell online, just that some market niches are more recession-resistant than others based on the value of that product or service.

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Longevity

 

Clothing retailers are seeing people focusing on apparel that lasts, rather than quickly opting for the cheapest option. That might mean that fashion or fads are less desirable and classics are in. Real fabrics that last longer may be seen as a better value than synthetics or items that need dry cleaning to maintain. Quality will determine longevity and retailers are now reducing choice to stock up on high-quality classics, where people know they are getting good value.

 

Reasonable Prices

 

If you can’t offer something for a reasonable price, then don’t bother to offer it at all. This is especially true of the marketers that catered to middle-income people who were trying to raise their status through buying more designer wear or “image”-conscious buys. The income level of the middle class has been downgraded, for the most part, and price is now a vital concern for many. But this doesn’t mean you have to completely slash your prices; just make sure you provide the best value for the money and you will continue to attract customers.

 

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Make money online? The most useful site on the internet. Wealth Matrix Review

 

10 Tips to Better Marketing – One, Listening: An Online Business Skill To Increase Consumer Demand

 

It used to be that only certain professions and businesses had to really listen closely with empathy to their client’s needs. Retail businesses in more prosperous times weren’t in the business of playing counselor, coach, or advocate. That’s all changed as consumers around the country are struggling with a bad economy, causing them to change their previously unquestioning consumer mentality to one of careful frugality. In an environment like this, the only way to customize your marketing and business strategies is to pay close attention to your customer’s needs and try to meet them.

 

The Big Three Components of Consumer Demand

 

Many of the issues that customers are going to face in this recession are the same: Reduced income, increased expenses, and solutions that don’t meet their immediate needs. As we know from business theories, consumer demand is comprised of three components: Income level, personal preference, and price. There is not much a business can do about customers’ falling income levels. There are some things that can be done with pricing; however, downward pricing can create a risk to the bottom line profitability of the business, so the only other way to influence consumer demand is through preference.

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Retailers Phasing Out Choices

 

It makes sense for big retailers who must carry inventory to phase out choices that aren’t in wide demand and to cater to mass tastes. That’s where online businesses can have an edge in this economy as they can offer the choice without necessarily inventorying it. If they listen to many of their customers who are having difficulty finding a particular solution that can only be bought online, they can offer this and raise the demand for their services by using this strategy.

 

Understand The Nature of Consumer Demand

 

Yes, people will have less to spend and become more frugal, but this doesn’t mean that consumers will naturally gravitate to the cheapest choice. In fact, value becomes more important as the length of the recession is anyone’s guess. A purchase that lasts longer is of better value than a great product that crashes, breaks, or looks worn a few months down the line. Consumers are becoming more sophisticated on buying not only things that solve their personal problems and preferences, but they are now demanding that they stand up to the test of time. If you can meet both of these needs, you will have clients for life, long after this recession is over.

 

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Make money online? The most useful site on the internet. Wealth Matrix Review

10 Tips to Better Marketing – Three; Time To Re-Evaluate Your Market Niche

There are offline businesses going into bankruptcy everywhere. In a time of prosperity, people rush to buy the latest electronic gadget or to get the latest bath accessories, one for each change of the season. So, your market niche may have done well when the economy was doing well, but now you’ve noticed a down tick in purchases. What’s going on? Don’t assume that this is a product of the economic recession; instead, be proactive and try to determine what factors are affecting your sales. It could be the economy, but it could also be various other factors: A shifting demographic, poor sales strategies that don’t work in a downturn, or bad or no advertising campaign.

 

Shifting Demographics

 

When you set up your business, you probably had a good idea of what demographic you wanted to serve. With the recession, the demographic you serve may have had shifts in their income level or even living situations. Take a look at the boomer generation. They are experiencing an epic shift in their income as they retire, with battered retirement accounts from poor market results. Even though you could rely on this demographic to purchase certain products and services as they continued to dominate the market, this may not be true in the future. So, you need to re-evaluate the demographics that you are serving in your market niche.

 

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Sales Strategies

 

Running the same promotions with worse results? That’s not really surprising considering that the psychology of the market place has changed dramatically and that the consumer may not be in a buying mood for a while. Before the recession, status was a great psychological trigger to use to create a buying opportunity. The same trigger is somewhat meaningless in a downturn unless you are marketing to the very rich. The biggest strategy for the downturn is going to be value offers; you need to make sure that many of your strategies reflect a trigger for value.

 

Bad or No Advertising Campaigns

 

The immediate impulse of business owners in a downturn is to stop throwing money at advertising since there are fewer buyers. This is a mistake and can be a self-fulfilling prophecy for poor sales later on. So, if you haven’t evaluated your advertising campaign, you need to do that now. Look at where you are advertising, what psychological triggers and sales strategies you are using, and whether you can provide value offers that put you ahead of the competition during this tough economy.

 

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Make money online? The most useful site on the internet. Wealth Matrix Review

 

Red Hot Internet Marketing – Why Exclusivity Sells

 

If you’re having trouble promoting your products in a bad market, you have to start to figure out ways to market them to increase the demand for them. One way is to create an exclusive aura that appeals to people who are status seekers. This doesn’t just work with high income demographics, although that is generally where it is used, but it also can appeal to middle-income people who want to upgrade their image by taking part in exclusive products and offerings.

 

Think Cars

 

Would you rather been seen driving a value Honda or a classy BMW? Well, if you’re like most people, the car that you would prefer, if you had the money, would be the BMW. Is it because a BMW is such a unique car that no other car in the world can come close to it? Probably not, at least not in the minds of those people who opt for it. It has more to do with the instant association of wealth and status that driving a BMW confers. They even are referred to affectionately a “beemers” that have such an impact on class consciousness. Well, there is no reason you can’t create the same aura of exclusivity around your products and services to help you market them more.

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What Makes Your Products Special

 

The best way to make a product feel luxurious and exclusive is to very explicitly tell everyone about the finest details of this product that make it special. It’s really not over the top to talk about the fine silver filligree made in Europe or the special process that went in to creating such a unique and exclusive product. The more you tell people why your product is special, the more they will believe it.

 

It may seem boring to detail everything from the design of the leather engraving to the special and laborious and perfect cut of a diamond that reflects 72 facets, or whatever. But, really it’s not. People who are very into status and image love to hear exactly how this piece is special so they can turn around and tell their friends too. And, hopefully, by doing so you also get some more sales from word of mouth too.

 

Limit The Product Roll out

 

Another great way to make your products exclusive is to limit them to a certain number of people. This is done with artist’s prints and it helps to spur sales for people who may be sitting on the sidelines thinking the offer will stand forever. Make sure your customers know that this is such a good deal, and only a few select people will get to take you up on it for that promotion. And, if you do make a promise not to roll it out the same way again, whether it’s by giving the same price or the same design or whatever, you have to stick to your promise. It’s only an exclusive offer if later on you don’t offer the exact same offer to someone else and disappoint your earlier customers.

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New Forms of Income from the Internet: Making Some Cash from the Internet

You may have heard about people selling e-books in the
internet. Some e-books can even be about how to earn
money online. However, people today have become more
practical when it comes to things like this. E-books
are not only going out of style, but it just doesn’t
have the potential to make you money like it did
before. Today, you may want to take a look at new
forms of income from the internet that will surely
make you some cash on a regular basis.

You have to consider that trends come and go. Some
trends may last a little longer, but sooner or later,
people will get tired of it and look for another
product to buy. This is the same with businesses and
online businesses. If you want to earn money from the
internet, then you have to remember that you need to
be updated about the different kinds of online
businesses as everyday, something new always pops up
and few of those businesses succeed and most fails.

One online business that you can always try is
affiliate marketing. Although affiliate marketing is
not entirely new, you have to consider that this is
one online business that has a high success rate for
people to make money. Through affiliate marketing,
some online marketers have become very rich to the
point that they see affiliate marketing as a full time
career instead of just a way to earn some extra cash.

Another great online business is by becoming a web
content writer. You have to remember that some people
in the online business world will need articles about
anything and everything. If you have a knack for
writing and is good at researching and getting the
gist out of any topic, you can become a very good

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writer.

You will be surprised to know that there are a lot of
affiliate marketers out there that pays good money on
writers to write contents for their websites.

Another great online business is by becoming an
outsourced customer support service personnel. All you
need is a computer with an active internet connection
and a headset with microphone. Most companies today
are now outsourcing their customer support services.
This is to save time and also office space. You will
be surprised as to how many people today are now
working right in the comforts of their own homes as
call center agents.

As you can see, there are a lot of great online
businesses that you can try out to make some extra
cash. Whether it is a part time job or a full time
career, you can be sure that you will be able to find
the right kind of online business that can earn you
money.

The key to finding a good online business is by
thoroughly researching for it. Try to know what people
are in to nowadays and also try to be creative. There
are so many possibilities in the internet that you can
think of infinite forms of businesses to start.

These are just some of the new forms of income from
the internet. By just keeping your eyes and mind open,
you can be sure that you will find the right online
business that can really earn you some cash.

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Make money online? The most useful site on the internet. Wealth Matrix Review

10 Tips to Better Marketing – Five; Is Your Market Niche Doomed To Failure In A Tough Economy?

 

When the bottom line deteriorates due to a poor economy, it’s time to start figuring out whether your market niche has any useful marketing life left. If you were one of the people who owned horse-and-buggy companies when the automobile first came out, your market niche was doomed, but you probably didn’t know it because the Great Depression was slowing everyone’s sales down. The fact is that depressions and recessions have a way of spurring innovation and business creativity as business owners seek to provide a solution to the market to create demand for their businesses. If that innovation impacts your market niche, you may be in trouble, but otherwise, many of the same market niches will continue to exist, but only the proactive business owners will be able to survive.

 

What Happens Might Depend On You

 

Before you throw in the towel, think about the ways you can become more adaptable to the changing market. Have you looked at where your traffic is coming from and if that’s changed? Have you reviewed your advertising campaigns? Have you figured out where the demand is for your market niche? Do you know who is buying and why? Are you asking for feedback from your customers? Many questions are going to have to be addressed to be as proactive as you can be to help your business survive.

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What Innovations Are Impacting Your Business?

 

Many are not right now, as the green economy is not enough of a threat to your business to warrant attention. But, what happens if a stimulus bill is passed to make them highly competitive? Do you know what you can do to play in that ball field? How might you thrive or go bust if such a thing occurs? Keep an eye on government regulations during this down economy as they can severely impact your market niche, quite often overnight.

 

Can You Widen Your Market Niche?

 

If you see that things are going to be tough, why not try to gain some market share in previously untapped markets? You can do this on the Internet very easily by trying to find ways to appeal to newer foreign markets or demographics. You might even find uses for your products and services that appeal to people having a tough time right now; all you need to do is communicate how your market niche can serve their needs too. Don’t throw in the towel until you’ve reviewed things thoroughly, and then, make an informed decision to go forward, change your strategies, or close your doors.

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Make money online? The most useful site on the internet. Wealth Matrix Review

 

Red Hot Internet Marketing – Succumbing To The Temptation To Compete On Price?

Resist it, if this is your sole strategy. It’s true that prices may come down as competition grows fiercer for the consumers that still have money during this tough recession. However, if your sole reason to reduce prices is to get more customers, this strategy is doom to failure. For one, it’s not just a matter of people having less money to spend, it’s also a question of getting the best value for their money. If you don’t take the time to create a product strategy that embraces a holistic approach to marketing in bad times, you’ll end up doing what everyone else is doing – lowering prices. And, then whoever can withstand the loss of profit the most will end up winning more of the market share, but at a very dear price. That just simply isn’t a good strategy to build a business that can survive a recession and go on to generate long-term growth.

 

Remain Price Competitive

 

Don’t overlook the lowering of prices in your niche, however, don’t play the oneupmanship game that only leads to drastic cuts in your market. This type of strategy works short-term, but eventually it eats up too much profit and it trains your customers to hold on to their dollars until the next round of price cuts. If, however, you do offer some discounts and programs for loyal buyers, instead of just everyone who might drop by your online store, you train your customers to buy more and still get a good deal. So, if you really do want to compete on price, do so in a way that generates buying behavior, and not across the board for anyone that wants to freeload off your hard work.

Make money online – methods examined; Wealth Matrix Review

Create A Perception Of High Value

Another way to compete on price, but not offer lower prices, is to heighten the perception of value for your products. Your products may cost more, but they are also worth more, and therefore deserving of a higher price. The way to do this is to offer more to your customers than they expect to receive for the price. If they expect an overnight stay for $120, and your suite is $150, then throw in breakfast, restaurant discounts, or a couple of tickets to an in demand production. Always seek to offer much, much, more than what your customer expects and they will continue to buy, regardless of the fact that you cost more than your competitor. Instead, they will look at you as the deal, and the others as the cheap version of the real thing. On line, the same thing can be done by including extra products in value packages that appeal to a price-conscious consumer. Just remember, that it isn’t really the price tag that is usually the main objection a buyer has towards purchasing a product, it’s more about the value they receive for the money they spent. So, make sure that they get more than their money’s worth.

 

The most useful site on the internet if you want to make money online, Wealth Matrix Review

 

 

Make money online easily? The most useful site on the internet. Wealth Matrix Review

The internet is awash with web sites that encourage you to read emails and get paid. Some of them offer to pay $2,000 for 70 seconds reading. Is this too good to be true, or what is the real story?

Make money online? Earn Two Thousand US Dollars Every Seventy Seconds?

Yup, that sure sounds good, but are pay to read emails a scam? That was the question several other friends and I started out with about 8 weeks ago in June 2008. We’re like plenty of people, struggling to pay the bills and trying real hard to learn how to make money on the internet, so when these rumors about a system where one got paid well to read email advertisements came along, we were very attentive.

What seemed very interesting was that they weren’t offering to pay a penny per email, or five pennies per email, but dollars. Lots of them. Not five dollars, not ten dollars, not fifty dollars, but two thousand dollars for spending 70 seconds watching each email! It seemed outrageous, and we blessed our good fortune for stumbling onto this very discreet program.

Before we dived in we did our due diligence and searched the internet for headlines such as the one you see above, ie email scam etc. Nothing. Not even a hint on discussion boards or blogs, just a ghostly silence. Ok, we thought, that’s not bad, no complaints. Maybe it is for real.

We tried to understand how such a program could exist, how it could pay that kind of money and survive. We theorized it might be a limited numbers corporate study group, watching how people responded to ads. We theorized it might be Russian mafia laundering money.

On the email web site there is a contact button, but emails sent with these questions enclosed brought no answers.

The Web Sites

Now the read email web sites are very professional looking, with nice graphics and well placed advertisements that scroll and change. A well presented members box where one can sign on and control where the emails go is at the top of the page. Everything looks, well, like someone spent plenty of time and money setting it up. In order to receive the credit that one builds up, paid US dollars via paypal or several other means no less, one has to build up a certain minimum sum in the account. Its always a large sum too, like half a million dollars, and they say one can expect to receive payment after a length of time has passed, in some cases 15 days, in other 60 days or two entire months.

They offer payout in cash, or in kind credits towards advertising using their sites. All the major money transfer websites we’re familiar with are represented; Paypal, Alert Pay, Liberty Reserve, E gold and E bullion to name a few.

Now, in order to receive all that lovely cash, not credits, quicker, if one signs up as a paid member, bronze, silver, gold and diamond, then the getting paid parameters become much shorter, ie $50,000 and 15 days. I decided that we should find out if this was for real sooner rather than later, instead of wasting months and months of clicking adverts, so I stuck out my $100 via paypal for a diamond membership, and overnight I was a member of Jacob mails.com.

The Ads Started Arriving

From the first day I received about 35 emails per day. Many of them were for other sites just like Jacob mails, but were paying different amounts per email, and with quicker or slower pay out times. The rest of the ads appear to be regular mainstream ads, the content of which we’re very familiar with on the internet; dating sites, get rich quick schemes, military recruiting ads, all sorts. When I pressed on any links within these they all were active and working and led to home sites all over the world.

With busy days I spent several hours each night clicking and opening the ads while I watched TV, and in about 3 weeks I had crossed the diamond member’s payout threshold of $50,000. All I had to do was put in my request, notify which account my money was to go into and then wait.

I Request my Earnings…

Well, I waited, and waited and waited.

You might guess how the rest of this goes.

After The Money Didn’t Show Up

I began emailing them politely pointing out that some oversight had led to the omission of my payment and could they, well, get with the program, I’m ready.

There was no answer of any kind to half a dozen emails asking for clarification and payment. In fact the only thing that happened was that the membership information box that I should fill out to request payment, has been removed, so that now I can’t even request any money.

E Mail Scam Investigated

After a few more weeks it has become clear that no payment would be forthcoming. I went over to paypal that I had used to pay my diamond membership. I intended to see whether paypal could recover my $100 fee, as they sometimes can.

When I looked closer at the transaction details, I saw that the payment goes to an individual in China, not to a company name. The name in my paypal is Lixin Wang, and it’s safe to assume he is the individual at the core of at least several of these scams.

‘Web Accept Payment Sent (Unique Transaction ID #7TW6XXXXX) Name: Lixin wang (The recipient of this payment is Non-U.S. – Verified) Email: lxinwng@gmail.com Payment Sent to: support@jacobmails.com ‘

I filed a complaint with paypal, they can be very active with fraudulent use of their service, but to this day, about 4 weeks later, I haven’t heard anything from them. Not even to acknowledge receipt of my email, even that is somewhat unusual, so, needless to say, there’s been no sign of a refund either.

Here are several names of ‘Pay to Read emails’ sites that I used, to no avail.

jacobmails.com/pages/index.php pink-mails.com/pages/index.php best-mails.com/pages/index.php hmailsmoney.com/pages/index.php pretty-mail.com/pages/index.php eagle-mails.com/pages/index.php ippomails.net/pages/index.php

When I wanted to upgrade an account, I discovered that many of the account numbers are the same account, despite being on different web sites.

Its safe to assume that nearly everyone of these sites are scams, and exist solely to skim off hundred dollar members fees as people like myself join up for the gold memberships. I’ve also read the idea that these sites somehow create fake high traffic flows to improve the online rankings of a different website.

Reportedly some websites do pay out, and one recognizes them by the one cent per email pay outs. But…there are even complaints about these sites too, that they will pay out some tiny amounts, and then cease any further payments.

Here is a link to sites that are known to have paid out; squidoo.com/ptcsites

Here is a link to known fraud sites; ptctalk.com/scamalert.php

After several thousand sold membership fees, there is real money being made from unsuspecting people.

If you want to see discussion boards about these scams, it’s hiding out under the words ‘pay to read’ or ‘pay to click’, or ‘ptc/ptr email scam’. Just type that into google and see what you get. There’s actually plenty of discussion about this, it’s just hiding behind the term, pay to click. You can copy and paste this link to your url bar;

Who Am I?

We decided that if these sites turned out to be a fake that it should be filed online somehow and made public, to warn others. I also have an interest in getting wealthy online and in investigating ‘get rich quick ‘ schemes I discovered that over a third of them have complaints against them with the Better Business Bureau and others. I created a large in depth website to make this information public.

The most useful site on the internet if you want to make money online, Wealth Matrix Review