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We periodically update our business opportunities section by adding additional opportunities and new information regarding the programs we participate in. This is an announcement-only list.

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What Qualifies Us to Recommend These Programs?

The programs we promote are evaluated and approved by Mr. Frederick Mann. Mr. Mann has over 20 years experience as a computer programmer, systems analyst, and independent computer consultant. He has worked and practiced in Belgium, England, South Africa, and USA on a wide range of computers ranging from PCs to large mainframes. He has designed and programmed mostly commercial and financial systems, including systems dealing with risk/reward assessment in areas such as commodity and options trading and reinsurance. One of his specialties was making computer systems more efficient.

Since 1993, Mr. Mann has gained a great deal of experience with "money-making programs" of all sorts from all over the world. He has constantly looked for programs that provide the best reward/risk ratios. He has lost money with some programs and made considerable money with others. Over the years he has refined the criteria for selecting the best programs and rejecting those less likely to produce hefty profits. Over 80% of the programs Mr. Mann selects for participation and promotion prove successful. (This needs to be compared to new businesses in general, where about 90% fail during the first year.)

On November 10, 1999, a subscriber posted this to the Financial Independence List:

"Thank you for your honesty. You already had my respect - this just solidifies your character which is the essential element in a trusting relationship.

Thank You FM!!"

What Criteria Do You Use to Select Your Programs?

1. Can you make money with the program without having to recruit others or selling anything? About 90% of people in networking (or multilevel-marketing) fail because of difficulties with recruiting and selling. If you can make a high return of 10% or more per month on the money you put into a program, it's worthy of our consideration.

2. Can you minimize your risk? Suppose you put $1,000 into a program, and after three months you can take out $1,200 from the program. Your "risk window" would be three months. After you've "closed the risk window" by recovering your initial capital plus a modest profit, you're in a "can't-lose" situation. Thereafter you "play the game with the bank's money." Being able to "close the risk window" fairly quickly and have enough left in the program to continue making good money is an important criterion.

With some programs you can reduce your financial risk to zero. You don't have to put any of your own money into the program. You recruit others and earn bonuses and commissions based on their "action." See: Zero-Risk Money-Making.

3. Can you make more money by recruiting others? In our experience, the best programs are those where you can make without recruiting others, but you can make a great deal more if you do recruit others. The easiest worthwhile programs for which to recruit others are those where your recruits don't have to themselves recruit or sell in order to make money.

(There are many what we call "nickle-and-dime" programs where you pay around $20-$100 one-time, or around $10-$100 monthly, but you require a huge downline to make significant money. Our experience indicates that these programs tend to be a waste of time and money. Free downline-building programs also belong to this category.)

4. How quickly can you make money? If you are in a position to recruit others, can you make several thousand dollars during the first month, so that you can quickly "close the risk window?"

5. Is the program credible and viable? How are the funds generated to pay the returns? If it's purely a pyramid scheme with all payments coming from new entrants, the program may not last very long.

6. What's the risk from government interference? Many otherwise viable programs are shut down by government agencies. This risk can be particularly high in countries like USA, Canada, and UK.

7. Does the program operate out of a jurisdiction where legally no government taxes or reporting are involved? The ideal programs operate such that participants can gain their earnings unreported and without being taxed.

8. Is it a one-person operation? Our experience indicates that programs owned and operated by a single person are particularly risky. They're often fly-by-night scams.

9. Does the program have a successful track record, particularly regarding making payments on time? For many programs there are public forums on the web. From these forums you can get a pretty good idea of the track record of a program. We also use Internet search engines to look for "dirt" on programs. Brand new programs are particularly risky.

(The success of certain programs depends on maintaining a low key. Please don't ask questions about such programs on email lists or forums. Such exposure could compromise the success of the programs. For low-key programs, utilize only the information that is already available.)

10. What kind of payment system does the program have? An ideal payment system is one where your earnings are quickly credited to a debit/credit/ATM card, which you can use for purchases or cash withdrawals at ATMs and banks.

11. Do the principals have credibility? We use Internet search engines to check on the principals where possible. (Network Solutions has a "WHOIS Lookup" that includes many individuals involved with network marketing and money-making programs.) We generally attempt to establish personal contact with the principals or people who have personal relationships with the principals.

12. What is the quality of the program's website and automated services? Do they provide self-replicating web pages to make the program easier to promote? Do they provide online access to accounts and genealogies?

13. What is the quality of customer service? Some programs grow quickly and soon cannot provide much customer service. A really good program grows so quickly that quality of customer service quickly deteriorates. The company may adopt a policy of ignoring practically all emails and making it very difficult to contact them by phone. Atrocious customer service is not necessarily an indication that a program should be avoided! (Generally, you can learn enough about how the company operates to play their game appropriately and win big, despite poor customer service!)

14. How much confidence do you have in the judgment of the person who introduced you to the program? How good is his track record, particularly with the program he's trying to recruit you for? How many payments has he received and were they on time? How successful has he been in recruiting others for this program?

On January 17, 2000, a subscriber posted this to the Financial Independence List:

"Hi All,

Just thought I would drop a line and let you know that I have been involved with SG for 11 months now.

Through all the good and bad times SG has always delivered as promised, sometimes slow but none the less true to their word as was the case today.

Another successful Western Union withdrawal goes down in history. Am I a HAPPY CAMPER? You bet I am!

Thanks to SG I now own 8.5 acres which I plan to build a home on in the next year. Life is good.

Thank you SG and Frederick,


See also How to Overcome Economic Correctness, Understanding Money-Making Programs, Liberty Money Machines, General Financial Independence FAQ, Zero-Risk Money-Making and Basic Money Skills.

(SG = Stockgeneration, a program we no longer recommend.)

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