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Homeown Refer Network
AA Customer Service Rep
Daycare Builder
Yahoo Store Manual
eBay Selling Book
Usborne Books
Coastal Vacations
GDI (Global Domains Int.)

Marginal

Mom'sWin (Mom Team)
Resale/Private Label Rights
Amway (Quixtar) 
HerbaLife
Vending Machines
Plasma Donation
Web Host/Domain Name
Affiliate Programs
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Driving Jobs/Free Cars
Candy Wrap Software
Ziby.com
eCurrency Trading
Quicklister (LLI)
MommyCash Newsletter  
Telemarketing  
Be Your Own ISP
SMC
Government Auctions
eBay Misspelling Software

Questionable

Home Inspection Book
NPS  
It Pays To Learn.com  
Online Virtual Malls  
Double Pay System
Website Sales Package
Day Trading
Domain Squatting
Make Money Surfing
Infomercial
Judicial Judgments
Liquidations
Medical Billing
Government Grants

Obvious Scams

Envelope Stuffing  
Home Assembly  
Long Domain Names
Affiliate Marketing Scam
900 Numbers
Offshore Invest "Secret"
Real Estate No Down
Stock Market Systems
HUD Refunds
Gambling Systems
Coupon Books

 

It Pays To Learn

Hosting, domain, and residual income. Good income opportunity for individuals with lots of energy and enthusiasm. Minimal technical skills required. Good perceived value within target market. Read full honest review here.

Rating:

Level of Review: Tested as far as we were able.

Overview: This one is interesting. It promises to pay you for taking quizzes, which are actually kind of fun, sort of like Trivial Pursuit online. They support their site by advertising. They also offer other ways you are supposed to be able to make money, including from downline, and from there it sort of deteriorates into the familiar story of wanting you to buy, asking you to sell, refer, etc. The program is initially free, they offer higher compensation for a fee, plus they offer you chances to buy affiliates, and upgrade further. Sounds ok on the surface, and a bit fun.

Product: Advertising is the product. They sell advertising on the website, which is of course targeted at you, the user.

Costs: Varies from free to $25 (quarterly), on up. We could not see that there was a cap on how much they wanted to sell you in the way of increased compensation levels.

Compensation: They pay on a point system. Each point earns 1/10th of a cent. For taking a quiz, which will take up about 5 minutes of your time according to our average performance, you get 30 points...if you answer all questions correctly. There is a time limit on each question, so if you get distracted by a kid or a customer (I did), then it will time out and mark it wrong. The quiz process is tedious, each quiz is made up of ten questions, and if you answer correctly it takes you to a page to tell you that, then you have to go to another page to get the next question. The pages took an average of 20 seconds to download, between questions, and between being informed of your result on each question.

Now, some simple Math gives us the following results: 30 points for 5 minutes (again, if you get them all right), means that you could make a grand total of $.36 per hour if you really applied yourself. Now, on the free program, you are required to rack up 4500 points per month in order to get any points from your downline (you get 1 point for every quiz they take). You don't make that many points, then you don't get the points from the downline. You are required to make that much from taking quizzes. That breaks down to 150 quizzes a month, or if you estimate 30 days per month, 5 quizzes per day with perfect scores. More if you consider most people cannot do something like that every day. Nearly half an hour a day, just to qualify, and earn yourself $4.50 (for the whole month) plus however many people take quizzes under you (at the same average, your downline would be contributing a grand total of $.15 each to you per month). On top of that, the free program limits you to 5000 points per month from taking quizzes. Perhaps it is a good thing! They did offer other ways to earn points, but if the other ways were as lucrative as the basic program, it would take you a great deal of time just to get enough in your account to upgrade to the next level which would allow you to raise your limit per month, and offer you yet more ways to earn points. You can also buy points... which would sort of make earning points to earn money, well, pointless!

Conclusion: There are clues on the site that this outfit is in trouble. One is that nearly all the advertising slots are vacant. Not even filled with their own copy, just a space holder banner there. The next sign that they were in trouble was that there is a notice on the site that payments due in May would be paid by the middle of June, and later. It was the 18th of June when I investigated this program.

I don't know about you, but I just don't have time for this. I tried it out anyway, just so I could estimate time and come up with an accurate review. After going through all that, I took three quizzes. Each time, I got the same error message at the end, that there was a programming script error, and it could not log the results (and therefore could not log the points I had earned either). I earned $.08 by golly, and I wanted my credit! (Please hear the sarcasm there!) So, on top of the problems I felt from the program, it did not even work! I tried to contact the company, but they have no way to do so. There is not an email address or anything else, they just refer you to web pages which do not address the issue. I use a Mac with OS X, and they recommended that I have a PowerPC with Netscape 4.7 or better (I am using WAY better). If you can get it to work, and feel that your time is worth it, the quizzes are actually fun, but don't look at this as a means of pulling your family out of financial destitution!

Real work at home jobs DO exist, but you won't find them by searching for them on Google. It is so hard to tell the scams from the legit stuff. We offer a listing of 20+ companies that DO hire people to work from home. No telemarketing, no unethical or immoral stuff either. Get the details here.

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Our Rating System:

No program is right for everyone. Even a rating of four or five does not indicate that you should dive in without some careful thought and consideration. Business is still risky. All reviews have the reasons for the rating clearly defined.

 - Information presented in program is accurate and factual concerning the potential of the program, program is based on sound business principles, and has good potential to provide stable income for individuals to whom the program is suitable.

 - Information is accurately presented, company focuses on selling product, but business is either more confusing, less predictable, or slightly higher risk for one of a number of reasons. Still considered a sound company and very acceptable risk.

 - Information may be confusing or misleading, company may have significant issues with program structure, support of product, or public perception and reputation. A rating of three does not mean you should not do it. It just means you need to be sure you are suited to overcoming the difficulties that the program has.

 - Information generally misleading, risk fairly high, many unanswered questions, business principles questionable, but still has some potential for actually working for some people.

 - Cannot declare that it is an outright scam, but potential for it to work is very low. Will have questionable business theory, bad reputation, excessive hype that is not backed up by common sense, or other aspects which indicate very high risk. Will always have multiple issues, not just one thing.

 - Outright Scam. Anything labeled this way is never worth any kind of risk.

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