Introduction
After over seven years of extensive experience with hundreds of money-making programs (and examining several thousand more), I've learned quite a bit about what tends to work and what doesn't.
There are thousands of money-making programs. Many are outright scams and the only people who make money are the owners. There are also many programs where the owners and some of the early promoters make money, but hardly anyone else does. There are programs like Amway with which anyone who's good at selling products and recruiting other distributors can make good money. Probably about 90% of Amway distributors make very little money.
There are many programs that start out very good and grow very fast. Often the owners/managers/personnel can't handle the volume of work generated by rapid growth and the program deteriorates -- sometimes to the point of failure.
There are many high-yield programs offering 20%+ per month on money invested. Most are scams. Some may continue for several years as ponzi-schemes, paying early members out of new funds. Eventually they fail. The fact that some high-yield program has been paying out as promised for six months or a year is no guarantee that it's legitimate and will continue to pay out.
Some high-yield programs invest in financial instruments called "bank debentures," "medium term notes (MTNs)," etc., or claim that they invest in such. Most of theses programs are outright scams and whatever money is put into them goes to the owners and promoters and is never seen again. Many "authorities" claim that there are no such things as "bank debentures," "MTNs,"