Instant Wealth Builder is the latest installment in a series of home business start up kits that have been ravaging customers’ bank accounts.  This internet scheme has been around for many months now and continues to flourish despite repeated warnings.

The main difficulty in warning people about these programs is that the owners and affiliate networks running these offers keep changing the names and websites for these offers.  Today it’s called the Instant Wealth Builder but this month alone they’ve already created ads for many alternate versions.

The reason why they keep doing this is simple; the owners need to stay ahead of the bad press in order to keep generating sales.  This way they buy themselves enough time to milk the most profits out of a single offer before the complaints start overwhelming the search results.

Thus, this cycle keeps going on and on, they keep making fake news articles and hype blogs to promote the Instant Wealth Builder and people who feel they’ve been scammed keep leaving reviews on consumer watch websites.

Is the Instant Wealth Builder a Scam?

The negative reviews for these programs stem from several main factors:  The programs are hyped as a money making miracles without telling you the actual work involved, they sell them through deceptive ads, and worst of all they sell the kit as a trial with a large monthly fee that kicks in way too quickly and is too much of a pain to cancel.

Here are their Terms and Conditions for ordering:

By submitting your credit card information, you are agreeing to our Terms and Conditions, as set forth: By trying our product for $3.00, you will be given a period of 5 days, from the time you place the order, to decide if you want to continue using the product…You can cancel at any time during the 5 day trial period by unsubscribing at http://eazyrich.com/help with no further obligations. In the event you do not cancel within 5 days after you order your trial product, you will be automatically enrolled in our convenient subscription plan and your credit card will be charged $89.95 for access to the website. Thereafter, 30 days from your initial order, you will be billed $89.95 every month.

As you can see the help desk url doesn’t even match the url “theinstantwealthbuilder.com,” where the program is actually hosted.  This often happens when the owners get too sloppy and don’t bother updating the Terms when they switch program names.

The bottom line is that Instant Wealth Builder is trying to charge you almost 90 bucks a month for info that you can find online for free and affiliate websites that haven’t made anyone any money.

You should stay away from this home business kit and anything that resembles it as it’s almost guaranteed that the Instant Wealth Builder will be called something else in a few months.

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Home Wealth Academy is the latest version of a popular online sales scheme that’s been going around for many months now.  The kit claims to show you how to make money online but when you sign up you get much more than you bargained for.

The first warning sign for Home Wealth Academy is in the manner in which it’s advertised.  The owners and affiliates use a slew of fake news sites to sell this kit.  These news sites are designed to look like real online publications and feature a story of a young stay home who’s been using the kit (whatever they’re calling it at the time) to make a fortune online.

They take it one step further by using IP reading scripts to customize the news paper based on your location.  So whoever reads about the Home Wealth Academy the article will be geographically customized claiming that the stay home Mom lives in your town.

These are all very deceiving sales tactics and legitimate courses would never stoop that low to sell their products.  This is only just one of several warnings that should have you thinking twice about the Home Wealth Academy.

So is the Home Wealth Academy a Scam?

In addition to the sneaky advertising methods they also make use of a billing policy that has bilked thousands of customers of their hard earned money.  They have set up their program as a 4 day trial, which if not canceled initiates a monthly charge.

Here are their terms for ordering…

By placing my order I agree to the Terms of Offer (Home Wealth Academy), which explain this order includes the above for just $2.97activation and processing fees. If you enjoy the 4-days trial and continue your path to making money, you will be billed a monthly $68.73 maintenance fee that will maintain your full access to our entire money making program. You may cancel anytime during the program or trial by calling: (888) 830-5820 and you will not be billed any further charges.

There are many problems with this setup, primarily a lot of folks simply don’t see this fine print and unknowingly incur these monthly charges.  Second, they only give you 4 days to decide whether you want the course or not and that’s with absolutely no initial explanation of what you’ll be doing.

It’s pretty clear that the owners of Home Wealth Academy are only interested in collecting this monthly fee from as many people as possible.  If you dig through their terms and conditions they also reveal that the monthly fee is not refundable, you can only cancel future payments.

The bottom line is that in the many months these kits have been in operation, they’ve generated thousands of complaints and no positive feedback.  Some of the most common complaints included everything from difficulty in canceling, poor training materials, and solicitation for additional costly training.

If you need to contact the Home Wealth Academy you can do so, at: 1 (888) 830-5820 7 days a week between 9AM and 9PM EST.  They’ve also listed a Florida address but it appears to be a Fedx office.

It should be pretty clear that the Home Wealth Academy is not recommend, you can find much better and cheaper affiliate marketing training without dealing with false advertising and inflated monthly bills.

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Direct Commerce Academy is another work from home business opportunity that is made up of big promises and no follow through.  There are so many complaints filed against Direct Commerce Academy that I’m actually surprised they are still in business.

First of all, Direct Commerce Academy says that for $2.97 you can have a trial of their program and the training they offer.  If you are not interested in purchasing the program at that time, there is no obligation.

The problem with this, however, is that you have to read their Terms & Conditions to understand that when they say “no obligation” they mean “no obligation as long as you formally cancel within 5 days of purchasing the trial.”  Countless people have reported that while there is no mention of a 5 day trial anywhere on the sales page, after 5 days they were charged another $138.67 – or in some cases $139.95 – for 3 months access to the website.

There have been reported cases of people even being charged before the 5 day trial was over.  In any case, once customers called the company to complain, they were told that Direct Commerce Academy does not provide refunds, regardless of your circumstances.

In addition to their shady billing practices, the Direct Commerce Academy is not actually registered within the United States.  When credit card companies provide their clients with the number to call and complain, in general the company is listed as being located in South America.

Finally, as if you needed any more reason to stay away, the services they actually claim to provide you in exchange for your $138.67 is reported as being ineffective, and definitely not worth it.  All in all, it’s in your best interest to avoid the Direct Commerce Academy.

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The link to In Home Cash Generator can be found on one of the most deceptive online advertisements currently in rotation.  This online “news” ad has been used many times to sell a variety of make money from home schemes.

Over the years it’s been fine tuned to such a degree that the amount of people who fall for it is incredible.   The creators make use of clever tricks and tools to convince you that the ad is actually a real news report and the product featured will actually help you make money.

In reality the ad is completely fabricated; the news organization does not exist, Kelly Richards is not a real person, and the supposed comments were not left by real people.  And it is definitely not a coincidence that the comments section is closed.

In addition to all the bogus info and graphics used to duplicate a real news site the website uses an IP reading script to custom tailor the ad to your location.  What this does is make the newspaper appear to be from your home town as well as suggesting that you and the successful Kelly Richards share a zip code.

This is all done to sell you on the idea that In Home Cash Generator is a legit way to make money online.  However, what you don’t know is that this gimmick has been run over and over again throughout the past couple years.

The news paper ad stays relatively unchanged but the name of the business kit repeatedly changes, In Home Cash Generator just happens to be the latest.  The reason for this is quite simple; the owners of the program need to stay ahead of their negative press.

If you were to search the titles of some of their former kits you’ll find thousands of complaints about the product itself along with their billing policy.  The main complaint against programs like In Home Cash Generator is that they entice customers with a really low trial fee, hiding the full cost of the program in their terms and conditions.

While technically legal this type of billing is very unethical as many people tend to overlook the terms and end up incurring huge charges that they normally wouldn’t agree to.  In this case the terms for In Home Cash Generator are quite shocking.

Here is the refund policy for www.inhomecashgenerator.com:

If you cancel within the 48 hour you will have no further obligation. If after the 48 hour order verification process you do not want to continue you will have 30 days to request a refund. We will gladly refund half of your 199.95 site access fee no questions asked. Once your refund has been issued you will be locked out of the content area.

Not only do they give you almost no time to decide whether their content is worth the money or not but they refuse to issue full refunds past the 48hr period.  They purposefully bury all this info in their T&C because no one would ever buy into this without at least a full 30 day money back satisfaction guarantee.

This is why courses like In Home Cash Generator elicit so much negative feedback.  From the way their billing is setup it’s very clear that they’re just trying to line their pockets first, and worry about your actual success second.

There is plenty of information about making money from home available free of charge, and the majority of paid internet training courses have a 60 day money back guarantee.  Knowing all this there’s no reason to take a gamble on In Home Cash Generator.

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Paid to Place by Kathy Garcia is a website that promises to show you how to make money online placing simple ads. Anytime an opportunity like this comes along it’s very important to carefully research it since in most cases it’s too good to be true.

Right off the bat there’s a clear warning sign on the Paid to Place website that should have you worried about this programs legitimacy. The work at home news video they show has nothing to do with the Paid to Place system; this is a common tactic used by scammers to trick you into thinking that their opportunity is backed by real news organizations.

The video is followed by the all too common desperate Mom story, in which Kathy tells you how she miraculously came across an amazing system for making money from home. Again this is another sales tactic used to appeal to your emotions and have you thinking that this is right for you.

After all that hype she finally reveals her “Almost-Perfect Work at Home Job,” which is getting paid to place ads. She tells you that in today’s economy companies are desperate for people to help them advertise products in an effort to save money on traditional advertising.

While that does sound good there’s much more to this concept than meets the eye…

So Can You Really Get Paid to Place Ads?

Amongst the salesy drivel there are a few keywords that reveal what the Paid to Place system is all about. Even though they claim that you won’t have to sell anything they say that you are given a tracking code to place on and offline ads.

No matter how you cut it that’s affiliate marketing, in which you get paid when one of your referrals buys something or submits their personal info. Understand that there’s no such thing as real companies paying you to simply place ads.

This is a completely fabricated concept that scammers use to sell make money courses. While affiliate marketing is legitimate and a real booming industry, it’s far from what the Paid to Place system claims it is.

Real companies use professional networks to recruit affiliates to promote their offers, these are vetted individuals with websites, marketing experience, and email lists not random people of the street. And even then they only get paid when one of their referrals completes an action, not just for placing the advertisement.

So is Get Paid to Place a Scam?

There are enough warning signs on the first page of the website to not recommend it, but when you dig a little deeper you’ll find more reasons to avoid it.

They sell the program for only $18.95 but they’ve managed to sneak in an additional monthly re-bill. In their terms and conditions you’ll see the real hidden costs, something that many people fail to read.

By Clicking Submit, I have ordered Paid to Place™ for $18.95 which includes a 14-Day membership to the Paid to Place Learning Center that is chocked full of ways to make money online. After the initial 14-days I will be charged $39.95 a month thereafter if I do not cancel. I have read and agree to the terms and the privacy policy . For questions or to cancel, call 1-888-656-1601 ext. 101 , customer service hours are M-F, 9am to 5pm, MST

Coincidentally on the sales page Kathy says that when you place your ads you’ll be getting paid per sale and on a second tier residual sale. This might mean that the Paid to Place system will simply teach you how to place ads promoting the Paid to Place system itself. Which would  just be a new twist on a common scheme.

If you’ve purchased Paid to Place use the above number to try and cancel and get your money back. This may be difficult because in their terms and conditions they’ve also buried a statement saying that monthly fees are not refundable so they might only give you back the initial $18.95.

Here’s additional contact info:

*It seems that the Paid to Place system has been updated.  There is new contact information, a message from Michelle Boudreau, and they’ve removed the monthly re-bill from the cost of their membership.

Here’s the new contact info:

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