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What Qualifies Us to Recommend These Programs?
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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
"Thank you for your honesty. You already had my respect - this just
solidifies your character which is the essential element in a trusting
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
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
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
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
(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
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
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
(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
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
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
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
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
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
(SG = Stockgeneration, a program we no longer
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