Winning in the Cash Flow
Business Reviews

NATASHA   TEXAS

5:24pm on Tuesday, November 3rd, 2009 

I am a divorced mother of 3 and saw the show and decided i wanted to try it,but when i called for more info on it,the lady was so rude to me. All she kept saying is she needed my credit card number! That made me check more into this program and im glad i did. It lead me to all different sites about this guy. So thanks to all of the people that posted.
If yall had not posted i would be out of money that i could have used for my children. Big hugs from TEXAS.

Devenia   CA

4:04pm on Friday, October 30th, 2009 

Ok, now I don't feel so dumb. At least I'm not alone. I bought into this scam as well now I regret it. We are in disparate times people and it's unfair that we are in our situations because of the economy. I've been working sense 14 years old and I'm still not rich. I am part of the working poor, middle class but yet can't get a break. All I want is to have reserve in the bank but it's hard to do when my home is under and our jobs are furlough. We are hard working Americans that are being robbed in our sleep by our own Government. This guy is smart, a genius but morally he's NOT! He is taking advantage of hundreds of innocent people all over the world. Yes, he didn't put the gun to our head but it was loaded. Remember if it's too good to be true then it's not true. Best of luck to all who is winning in the cash flow and God Bless those who aren't.

Jeff   Fort lewis

12:20am on Saturday, October 24th, 2009

All,

As I continued reading this blog, I found many upset and frustrated people. "How is this guys still on TV"? My question to you is what have you done? If you purchased this program and did not reap the rewards promised, you have an option. Class action law suit. People like this clown Russ, prey on those of us that desire a way to augment our current careers. He does not work and probably never has. These people are leeches milking the system that makes this nation great. One of you inspired individuals who have tried the program need to organize and pursue this vulture to prevent him from wasting anyone time. I am not a lawyer, but I am confident that a creative law firm could effectively pursue a class action against this bozo and any channels or cable/satellite providers that air his program. So... Who is man/woman enough to do the right thing?

Jeff   Fort Lewis

11:43pm on Friday, October 23rd, 2009 

Listen Folks,

Any advertisement, whether this, the Trump network, Amway, or any MLM that promises quick, easy money is a heaping load of BS. The world is full of people much more brilliant than you or me. If " work at home" scams were a feasible option to supporting your family, noone of any intellect would have a job. In my limited experience, the only "work at home" opportunity that works is ebay. Good luck and dont be a VICTIM...

Jiabroni   California

4:47pm on Wednesday, October 21st, 2009 

I watched the program which seems very promising to me making some money in the beginning. Just like everyone else reading the reviews here I am happy to say that I actually saved my $40 instead of going for this scam. I think I will just find better ways to earn my keep from now on instead of going for these tv infomercial rip offs.

Tyler   Ga

9:16pm on Sunday, October 18th, 2009 

Russ Dalby is nothing more than a thief, selling you his over priced, useless product. People who try his program are being robbed blindly, in hopes they can one day be rich

Thomas   Louisiana

7:21am on Friday, October 16th, 2009

I wasn't interested in purchasing this package, yet ... intrigued over the prospect of what these, "CASH FLOW NOTES" they allude to, ARE, but... do not define. This is how it works. You are told you can find people with law suit settlements, annuities from lottery winnings, real estate properties in an escrow of multiple heirs ... etc. After, doing these type of things, conveniently while "dialing for dollars" out of the comfort of your own home, you may "seal a deal" by buying out people for a lump sum and then you resell the note for more. One should ask themselves these questions: 1) Assuming I make it so far as to offer the note holder a "one time - lump sum" buy out ---- where do I get that money from? 2) How do I find these people? Wouldn't this information be protected? As not to have people bothering them all of the time? 3) Can "Cash Flow Notes" really just be floating around on people who wouldn't have any idea that someone owed them money and be eternally grateful to see someone like me find them and then find out I want to take more than half of the "pay-out" on it to see that they receive it? These are just some of the things you need to think about. Also, you'd need to be a lawyer, realtor, and insurance agent / adjuster working as a 3rd party (independent) to do any of this and it is highly unlikely that you could afford to have all of these titles and do this "part time" over your phone. Russ Dalbey's company is teaching you that you may "SCAM" others as they "SCAM" you! And the truth is, you may .... but, you'd have to come up with the seed money to do what he did and buy late-night advertisement time with a small group of investors and offer a get rich product or a fitness exercise machine, wait, that is safer ... the exercise machine. If the buyer doesn't use it, enough, you can always blame it on them and it is a defensible claim. I can't see this "FLOATING NOTE" deal, even being defensible. On the program it does make disclaimer, "RESULTS MAY VARY". I imagine that is the only thing that keeps them able to air this "SHMUCK". Sincerely, TRF, Louisiana

greg   san diego

12:04pm on Thursday, October 8th, 2009

I find with these businesses the business is really in them selling you their product.

Joe U   Boston

10:32am on Thursday, October 8th, 2009 

The program is the opposite of part time. In order to be successful you must exert a lot of effort by marketing and educating your self. It is simply a scam. If you intend to be optimistic like I was about the program then fine, but when you decide to return it even tho they refund you your money in full (60 days) you must pay to ship it back. Fore warning that's all. The Russ Dalbey guy is about as convincing as obama.

samantha   buffalo

3:41am on Friday, October 2nd, 2009

To those who say it isn't a scam, but it requires hard work and dedication; doesn't the infomercial stress how easy it is, and how little time it takes? Using phrases like "part time","from home", etc. So, who do you think this man is trying to pull in?
We all know that hard work and dedication will lead to success. Sorry, I'll opt for my tangible degree.

samantha   buffalo

3:16am on Friday, October 2nd, 2009

Kevin, from New York. You almost sold me a bag of dog crap. Your comment was hysterical.

Kevin   New York

6:04pm on Monday, September 28th, 2009

First of all, I have only seen the ad on TV and was curious about reviews before I considered buying this. So, I haven't read the material or seen any objective information. My comment is in regards to these sort of programs in general.
As I read through these scathing retorts, it seems pretty obvious that the gap between the high expectations presented in the ad for "Winning in the Cash Flow Business", and REALITY is as vast as the political views of Newt Gingrich and Fidel Castro. The ad was obviously made by direct marketing experts as it really does create a sense of wonderment and gets the "I want to be rich too!" hormones flowing even in a callous skeptic like me. But then I wake up.
The reality is, this program probably does work for some people. Those who really want it to work can make it work and do this kind of business. The scam is, you don't need a marketing company selling you general information that you can find online or at a library. If you really want to do this business, spend the time and effort to learn it. Not some easy way out method like this. The only reason they do this is so that they have your address and phone number and have a free pass to keep soliciting more and more business from you. Its 'carrot on a stick business'. Its worked since the beginning of time.
This applies to any of these infomercial style ads. Think about it... why do they need to spend 1/2 hour building a big sales pitch to get you to spend $39, when Geico can persuade you with a little talking Gecko, or disgruntled cave men in about 30 seconds? If I wanted to sell you a new toaster oven for $39 (if you wanted or needed one) it can be done with about 30 seconds - 1 minute of persuasion. If I wanted to sell you a bag of dog crap, I would need about 1/2 hour to convince you that (not many people know about this but...) canine feces are a hot commodity and is usually worth $199 at this purity level. But, if you call in the next 18 minutes your cost won't be $100, or $80 or even $50. You get the bag of crap, the 'stool purity testing kit' (a $70 value), and "101 Ways to Profit in the Dog Crap Business" CD (a $100 value) for one EASY payment of $39.95.

Yep, that should make it clearer now. So remember, whenever you see one of these infomercials, just replace the product name or part of the name with "Dog Crap", and your decision should be easier.
For example, "Wining in the Dog Crap Business", "No Money Down, Dog Crap with Carlton Shiits"; "John Beck's Free & Clear Dog Crap System"-- and so on.

So kids, the lesson is, do your homework, learn a marketable skill or gain specific knowledge and get a job or start your own business with those skills and knowledge. When you are successful, you can sell your ideas on CDs for one easy payment of $39.95.

Good luck and God Bless

L.D Carter   Atlanta, GA

6:30am on Saturday, September 26th, 2009 

I had a feeling that this was a scam the very second I saw it on TV. I've been scammed by a lot of these so-called get rich quick gurus. People like Robert Allen and a few others. This guy, Russ, his infomercial pretty much told on itself. I didn't buy the program or anything. But I can tell that it was a load of BS. They're showing big houses, Bentleys, Rolls Royces, Boats, etc. I knew it was crap just from that alone. The so-called success stories on the infomercial are nothing more than paid actors. It's so obvious. Again, I Haven't bought this program. But I can see from a mile away that it's a scam. If I want to know how to buy notes, I could easily learn from my buddies that are Millionaire Real Estate Investors. Save your money, people. Next time you see this, or any "get rich quick" crap, just run the other way.

Billy Bob   Bal;timore

4:36am on Friday, September 25th, 2009 

Thanks for educating me about this scam. I actually pushed the submit button online and a message showed ..error call the 1800 number. I won't won't be surprised if the package shows up up anyway and that they were hoping to double bill me.

Derek Carr   PA

4:19pm on Tuesday, September 22nd, 2009 

Dalby is a crook

Rick   Georgia

6:11pm on Monday, September 21st, 2009 

The program is grossly oversimplified in the infomercial. They say "Easy" over and over, but there is nothing easy about this. Their pitch is "find em, list em, and sell em", but you could write a book on each of those and still not come up with a way to effectively do this. I bought the program. I studied it for some weeks. I went to the local courthouse only to find the information I need is not available to me. I paid the state of Georgia their $10 per month fee to access real estate records online, only to find that in order to find such information I need to know in advance the name of the person holding the mortgage, the date on which it was issued, or, the subdivision in which the property record I am looking for can be found. There is no way to know this information in advance! The state and Dalby's "coach" on the phone both admitted to me that the best one can do is to make up names and dates and see if anything matches. Imagine that! It would be like playing the lottery. It is also true as many have said here, that once you pay for the initial package, you will be hounded with emails and phone calls trying to sell you much more expensive "important offers that will help you make money". I have been told by the Dalby people that some of these programs run as much as $3000!
Like others, I have studied the program, tried to follow through with action, and I have run into dead ends over and over. I am convinced that this is nothing but a plan to enrich Russ Dalby.

Gina Smith   New Jersey

11:03pm on Friday, September 18th, 2009 

I bought the program.It did not work. They kept on making promises if I paid more. Russ just makes money by selling the program, not by helping people. This is all a lie, a trick. I wish I read about him before I foolishly spent my money. Something has to be done to stop people like him.

Cheryl   Wisconsin

11:50pm on Wednesday, September 16th, 2009 

I have read some of the comments about the Note Network program. I have only read one with a good review. How much work do you really need to put into this program to make it work? I have purchased this program and have not been able to find a note in any of the surrounding counties.

Levi   Missouri

2:53am on Wednesday, September 9th, 2009 

How is this guy still on TV?

John   California

12:11am on Thursday, September 3rd, 2009 

Ok... I have worked for this business and it's actually called Dalbey Education Institute, which is located in Westminster, Colorado. No joke, I have actually worked there. Yes, Russ Dalbey wants to be glorified and pushes people in his company to make more sales, so he makes more money. We go through a week of training, learning a script that goes something like this, " I'm Blake calling from winning in the cash flow business. Boy am I glad I got a hold of you."
"Russ has asked me to get directly in contact with you today because he is looking to help more people in blank state create success."
There's more, but you get my drift. Yes, it is scandalous and not worth your time. Russ even has his own staircase at the home business in Colorado that no one but him is allowed on. Even in training they want people to talk about there goals and dreams, like do you want a ferrari, well Russ has one. I don't freaking care what Russ has. The state of Colorado's Attorney Generals Office was investigating this company. Look up secure income system and see if scam reports come up, they don't. You don't even have to do that with Russ Dalbey and the essence of scam are mentioned in the search results. It's all smoke and mirrors. Look, I won't sell you anything, but if you want information on this character, email me... I'll tell you everything that you want to hear. I just don't want to see another good person get scammed. Email me at the_sentinel2002@hotmail.com, send me your questions and if by chance you did order that crap and need help dealing wit those people, I can tell you an easy way to make them go away. let me know.

Jim   Mn

11:02am on Tuesday, August 25th, 2009 

How could you fall for this without doing any research?

David M.   Miami, FL

1:43am on Wednesday, August 19th, 2009 

First Of All I Have No Doubt That This Guy Russ Dalbey, And That The Program Was Created For The Sole Purpose Of Making Him Money And Not The Customers That Buy It. If He Wanted Or Was Helping Us Like He Says In His Infomercials Then He Would Explain How Hard It Is. I Believe The Idea Behind His Program Is Not A Scam Or Not Impossible Because With A lot Of Work And Dedication To It ( Especially In This Down Market ) It Could Work. The Money Figures That He And His So Called Students Say They Make I Think Is A Lie, But You Still Could Make Money From It But You Would Have To Be A Very Convincing Person. All He Is Selling Is Unnecessary Information And Not For Your Benefit Only For His. If You Feel Like You Like To Invest In This Business Just Do Research And Buy Books On How To Find Cash Notes, But Putting Your Money In This Mans Pocket Is Just Making A Bigger Smile On His Face And Another Person To Laugh At.

Joe   PA

5:44am on Tuesday, August 11th, 2009 

I understand that there is no get rich quick scheme, as should everyone else out there. But the infomercial does not fully explain what needs to be done to be successful. If they were honest about what it takes to do this business, no one would think it was a scam.

If someone can point me to one of their infomercials that says it will take time and dedication to be successful and that you will get 6-8 calls a day asking you to spend thousands more, please point me to it. If that was mentioned at all, no one would think it was a scam.

Alan G.   St. Louis

5:34am on Saturday, July 11th, 2009 

I just saw the commercial on tv about the program, and right away I was skeptical. It sounds too good to be true infomercial... I did some homework on line after seeing the commercial, and saw these reviews about the program. That confirmed my suspicions about the program not being legitimate. The easier they make it sound, the more skeptical I get!

Dr. BallsOFgold   cayman islands

12:06pm on Saturday, July 4th, 2009 

this program is not for those happy being employees,
if you can only dream of a better life, this program is not for you,

you cant just want success, you have learn to live, breath it, and sh*t it. russ can show you how.

JUST KIDDING FOLKS, its a scam.

you see, information becomes worthless when everyone knows it. if russ's program was true, the last thing he would want to do is talk about it. come up with you own get rich quick scheme, and youll certainly have better luck then following this scam.

Will Padgett   KS

6:06am on Tuesday, June 23rd, 2009 

Hi, Tried out Russ's course with little success. Like everyone else I was bombarded with phone calls from thier staff and asked to spend even more money. I'm sure there are ways to make this business work, but the information could have been found for free.

Jessi   Iowa

1:24am on Sunday, June 14th, 2009 

So i just saw this on tv and decided to google it. I hate these things. These rich ppl dont understand anything. I work for what i have and im proud of it. My fiance and i provide for our children, not with "easy money" and we are a very happy family. We both had hard childhoods and are showing our children better lives. There tv scams are so full of it but whatever

Chris   Las vegas

10:48am on Tuesday, June 9th, 2009 

Not sure. gave the program to the wife. she has a connection and has started it. Not sure if because we are very familar with Real Estate, mortgages, and title that we find it easy to understand. Will let you know if we make any money. I will say they call 6 times a day and tried to get me to become a protege' by shelling out $3000! Brandon I hope you read this......people by these programs to supplement money, not to spend all of their money! by the way I still get 3-4 calls a day, and it has been a month!!!!!!!!

The program from a professional stand point makes sense, the sale of your dreams.....come to Las Vegas and stay for 4 nights, spend a $1000 gambling, eat a very good meal, and have the time of your life for less than $3000!!!!
By the way STOP FREAKING CALLING ME!!!!!!!!!!!

Ron   California

3:03pm on Sunday, June 7th, 2009 

If making money is so easy, why doesn't the company give you the info free and after you make money with it, ask for something in return?

Jesse   Fl

3:41am on Friday, May 29th, 2009 

What comes in the mail is information that is not helpful. I am just glad that I didnt spend more than 40 bucks. Oh, and I am so glad that we have people like Rick from California to tell us about "negatives out their" and "scarifice". Oh and I'm glad that your business is "making money know". Oh and "pace on earth" to you too and I wasn't "offended" at all.

Rob   Minnesota

4:19pm on Thursday, May 28th, 2009 

Like a dumb ass, I purchased the $39.95 package deal before looking it up on the internet now I'm afraid to even open it up. There are just to many bad reviews about it, and it sounds like a scam think I'll just send it back.

JFC   Limbo

5:16am on Wednesday, May 13th, 2009 

Scams Like This One Are Piracy, If You Want To Check Out The System But Are Weary Of A Scam There Are Torrents Somewhere. Information Should Be Free. Fight Piracy With Piracy.

mike   Ventura, CA

5:47pm on Monday, May 11th, 2009 

I have read through most of these comments and can understand how some (or all) of you can hate this program. I tried it about 5 years ago and made $2000.00 in a month in a half (I actually would have made $4000.00 but a lady couldnt find her paperwork). I worked for a telemarketing business before so I know how to deal with people calling mad, curious and so on. I went to college and now im back in the mix, starting up. The package Russ gives you is information, just like anything. You dont need mentoring or any of the other stuff. I just say NO. I take the few books (which I bought again to freshen up) and manipulate it to work for me. It's not really Russ's business, he's just trying to make money off of the opportunity. The opportunity would be there whether he sold it or not. I know you can make money. The key is being creative. You can get pissed off and quite or you can look around and see what you can do with the little cash (my case) you have.

Stewie   Rhode Island

7:42am on Friday, May 1st, 2009 

I received a "booklet" in the mail yesterday chock full of "success stories." I knew it was probably a scam and your website confirmed it. Thank you. As a sidenote, I am watching Good Morning America, and they had tips on finding legitimate internet work-at-home businesses, and all the real experts say the same thing: if you need to put money upfront for "start-up" costs, it usually is not worth it.****Also, which one of you tricksters is Rick from CA.??? No one could be making money off this dumb note thing and write like that. Rick from CA. reveal yourself!JK. I loved it though. Hilarious!****

Steve   Real Good

6:58am on Sunday, April 26th, 2009 

I love this man and i want to kiss him. I have made 934,434,321,312 and I only work about 3 minutes a week. It took me a few hours to film this stupid infomercial, imagine the money I lost developing this system. Anyone who even thinks about buying this system is a complete moron.

Laura   Michigan

8:52pm on Thursday, April 23rd, 2009 

I bought the Winning in the cash flow material and the 5 grand extra lessons. I Have yet to make a deal. I get a lot of e-mail about success stories but I am not one. I have not put in a lot of time trying to sell notes yet so I should wait another 6 months I guess before making a final judgment funny.
I am going to keep trying since getting my moneys back is a done deal by now. Good Luck all.

Toi   Jersey

11:25am on Thursday, April 16th, 2009 

I appreciate all of the comments. I was up late last night and of course I am desperate to make some money but am always careful about this kind of stuff. I wrote down the number b4 I fell asleep and this morning I googled it. I like to see what people are saying about the products b4 I buy. It was just as I thought. It seems everyone has been scammed and I appreciate your comments so that I don't make the same mistake. best of luck to you all!

Nate   DC

4:32am on Thursday, April 16th, 2009 

All you people that say the infomercial was terrible and you are skeptical and still bought it are stupid! how can you ever let an infomercial like this allow you to take your money! seriously!

If you got conned, do everything in your power to get the money back! Good luck

Amazed   Miami, Florida

3:30am on Tuesday, April 14th, 2009 

A friend of mine just got scammed by a similar program.

There is no "get rich quick" shortcut no matter what these commercials say. Hard work, research and dedication are required. You don't need to let some slob take advantage of you for you to do any of these things. There is nothing they can offer you or teach you that you can't go out there and learn yourself. There are NO "insider secrets". These advertisements are run at late hours of the night not only because they are cheaper but also because demographics show depressed people and unemployed people watch tv late night. That's why there are so many of these self-improvement stupidities on television. Stop watching and believing these people and do something with your lives.

hoffmann   Location unknown

2:11am on Tuesday, April 14th, 2009 

this program sucks

Dave   Furlong

6:00pm on Saturday, April 11th, 2009 

Don't get scammed. They told me that the information I paid 39.00 for is ALL I would need to get my business started. This Taylor Knight called and tried to hit me up with his scam. These people have no shame.

Rino   Dallas, TX

2:41am on Monday, April 6th, 2009 

Beware of people who post 5-star reviews. They may be HIS employees or even the same people at the call service trying to scam other people into buying his program. If I would make money out of this program, I would not be here around telling everybody my full name and location and that I made a load of money.

jean   miami

1:36pm on Sunday, April 5th, 2009 

i just got this program...
and well try it for myself if it really worked or not
you never know unless you try...

RICK   TEXAS

5:26am on Saturday, March 28th, 2009 

I ALSO BOUGHT THE PROGRAM AND OMG I HAD SUCH A HARD TIME AND NEVER HAD ONE PERSON SELL ME THERE NOTE!

Anonymous   Location unknown

3:53pm on Friday, March 27th, 2009 

f**k the cash flow business fake a** b**ches

kathy   Ohio

1:39pm on Friday, March 20th, 2009 

To "skeptic in spokane" I think you like to hear yourself talk like the politicians on CNN. If you haven't bought into the program no one needs your arrogant comments. I'm a paralegal and I can tell you that the morons running this business obviously don't know what they are doing. You need a good background of real estate to comprehend and run your own business. Also, having legal advice and a CPA on your side helps as well. People get sued over the legalities of this business and Russ and his parasites are trying to convince the general public that they can compete against big corporations and lending institutions in this note business by throwing yourself out there as a third party. Give me a break!

Greg   GA

11:18am on Tuesday, March 17th, 2009 

I always thought that I was smart enough to not be taken with such a scam! However, during a time when my family situation changed when my wife became chronically ill, I needed something that would allow me to stay home and take care of her. I bought the course about a year ago, I even spent extra money over $8,000.00 with the promise that I would be given a "personal" coach, who would teach me all about the "secrets" that you couldn't find n the manuals. This personal attention turned out to be nothing more than a con. The class was a joke, yes, they promise a "money back-promise"; but I complained the first chance I got on day one.

I was taken aside, and it was like an auction. "They would say things, "Well, Greg, we don't really give money back for the class, but give you a chance to attend another class in the future." I replied by a firm "No, that is not what the sals person on the phone told me." I continued, "The salesguy made the class sound as if it would be customized to my unique business style, etc." They really never gave me my money back. They asked me not to say anything to the other students....and put me with 'a coach"...and all he did was rush me through this marketing like class that anyone can get from a good marketing and finance textbook. I feel so stupd!

I complained, again! and was given more false hope. I thought, "OK, I will take these leads and see if they will work." They were bogous! numbers were not in service or I couldn't get a connection. I called this 1-800 # they claimed was a private number only for we VIP members. Using this number, you could tap into coaches that would guide you. HA! I had a solid lead and when I called, the coach told me "the investors" would not be interested. I used their slogan: "Are you receiving monthly payments secured by property/home?"...I could never gain access to "the investors"...the coaches were not really helping...it was clear they were there for a "paycheck or commision". To this date, I have not been able to anyone at the Dalby Institute to follow through with what they promise. However, I keep getting harassed by them. I got an email that actually said, "Greg, are you a scardy cat?"

Snake oil is nothing but snake oil! The technology changes, but the principle is the same, prey on the vulnerable...when you're not expecting it. During the class, several people came up to me and asked me what I paid for the class. some paid as much as $6,000.00, while others paid 250.00. My bank would not help as it was something I gave permission for, but what about the outrageous claims? BUYER BEWARE! If any one knows of a class action lawsuit I would contact their state attorney general. Chances are, your state attorney general is not aware of all the complaints...if so perhaps a real class action lawsuit can be filled.

My state attorney general had not had a complaint filled. If anyone knows of a class action suit.....please, please, reply.

Courtney   Texas

1:23pm on Tuesday, March 10th, 2009 

I just bought it last night before I read this. Do they really give you back your money 100%?

Susan   New Jersey

4:18am on Tuesday, March 10th, 2009 

I saw the infomercial and was not impressed. These people should be put in jail for basically scamming people out of their hard earned money, especially during these tough economic times. They are preying on extremely vulnerable people who are having difficulty making ends meet. Really, "all" of these money-making infomercials are bogus.

Fred Martin   south Carolina

12:47am on Tuesday, March 10th, 2009 

Thanks a lot I was just about to buy it.

Thanks a lot

RJ   Wisconsin

4:01am on Monday, March 9th, 2009 

Thanks for all the reviews people. I didn't buy the program and I won't because I know it's to good to be true. Russ is making his money off selling the program, not using it! Are the top Richest People in the USA on tv telling us how to get rich? Of course not, their keeping it to themselves. Russ is using the economic hard times to prey on people's vulnerability and it's working for him. PEOPLE, DO NOT PAY FOR RUSS'S PROGRAM. SAVE YOUR MONEY. Here's a thought, if we all pooled $39.95 and invested that in savings bonds, we'd be farther ahead.

jon   rockford, il

3:22am on Monday, March 9th, 2009 

yo rick from California...

for a "successful" business owner you sure don't know basic grammar, punctuation, or spelling.

btw, this program sounds stupid.

Peter   dallas

10:33pm on Wednesday, February 25th, 2009 

I saw the ad on TV, it sounds too good to be true. Luck enough, I found this website, and read all comments, Thanks you all for valuable comments. For those who bought the program and failed to make money, did you try to get refund? did anyone ever get refund? The program promises to full refund of $39.99, is this true?
Thanks.

Larry Lineberger   TX

9:30am on Tuesday, February 24th, 2009 

I'm sure there are "cash flow notes" out there, or there wouldn't be so many TV commercials from businesses advertising to buy them. When there are whole businesses devoted to buying cash flow streams at discounted rates, I don't know why a novice would hope to suddenly get rich doing it. That business preys on people entitled to cash flow streams who are financially desperate, ignorant as to discounting and mortality rates or trying to rip off an elderly relative's income stream. I can't imagine getting much job satisfaction from doing that to people.

Lumpy   UK

4:44am on Monday, February 23rd, 2009 

For anyone who doesn't think this is a scam, just kill yourself and get it over with already. The rest of you morons defending this crook are even more despicable. Save your equal reward for equal effort speeches for your Am Way staff meetings. This guy is a crook, and this program is a scam. Just google Russ and you'll find out all you need to know. If you still don't think it's a scam, send me $39.95, and I'll send you eternal happiness.

BG   Tennessee

2:24pm on Thursday, February 19th, 2009 

Well, after reading your reviews im still not sure if im gonna try it or not. i have my doubts about it now. if i decide 2 try it, and it works i will let everyone know that it is not a scam.

Successful 28   Denver

11:00am on Thursday, February 19th, 2009 

I have no intention of slamming any of the people on here however, I have personally made success out of the program. I have also met several of the other success stories. You people need to consider that there is no such thing as a get rich quick scheme, everything in life lucrative or not you must work for. For the people that are complaining about the program not working be honest with yourself and ask if you really gave it 100% or did you give up right after the sales staff contacted you. The note business is very lucrative and IT DOES REQUIRE WORK i.e. I ordered the basic course and a money tree NEVER grew in my backyard. Reality says that Leaders will lead and followers will follow. AGAIN THIS WILL NOT MAKE YOU RICH QUICK but it is a lucrative business assuming you don't throw a tantrum on the first phone call you receive from the sales staff. Best of luck to all.

rick   califonia

1:12pm on Sunday, February 15th, 2009 

Recently I Have bought this program and read it and for the negatives out their maybe you did not do you're homework like the rest of the ones. In order for great success their is scarafice. I am a small business owner in took me two year to stand up my business,in order to make the money I make know. And for the college student I believe you did not do you're homework on this.some of these college students think they got it made just when they come out of college and have a B.A. or their A.A degrees but in fact they still don't know sh****t about life. Don't get me wrong you can flip through pages like their is no tomorrow. and take a test and fail. or get a small percentage on their test. I see life sky the limit you put you're time effort you'll get their. Don't lose you're mind of the small sh****t. well anyways pace on giving earth and sorry if i affended any one.

ugo   queens

1:19pm on Saturday, February 14th, 2009 

don't buy it
pure bulls**t

student   MI

3:41am on Tuesday, February 10th, 2009 

First of all, I am an 18 year old college student, broke, and studying my ass off for my future. It is so annoying to listen to this infomercial on how to get rich quick. People like Russ Dalbey Disgust me. It is crazy that they actually put people on this show that have "made money". People can't be just giving $40 or more for a product that is not even guaranteed to work. I struggle to pay for everything, especially growing up in a middle class family. Nothing is ever easy, And you are forced to live pay check to pay check. That is life for about 95% of Americans. So when I saw this outrageous clam that you can get rich quick, I fantasized for a moment, and wished that this is possible, but quickly came to my senses. I'm poor, I live pay check to pay check, and I can't even afford toilet paper. When someone tells you that they didn't work hard for their money, they're full of s**t. People like this need to leave us f***ing Americans alone! Don't give us false hope when you have it way easier then all of us do. So I guess the moral to my story is you can't get anything easy, you have to work damn hard to live the good life. So instead of watching these stupid infomercials that are all to good to be true. Take some classes, earn a degree in the medical field, and get a JOB!


-Student

dENI s   Cape Coral, FL

6:38pm on Saturday, February 7th, 2009 

First of all if you cannot write and spell correctly you need to deal with this first.

If someone with a note catches wind of this you are gone.

Nothing is easy but, Russ continually sends me e-mails of success stories. Really sounds great!

He has your money and as said in an earlier thread
if all was great why would he need to sell his story? Russ should just go about his merry way and sell his notes and become a Billionaire. (Whats up with that?)

SOOOO unless Russ can spoon feed me a lead,hold me by the hand and get the note sold then it is too good to be true, Russ will charge thousands to put you in a hotel in Vegas and give you one on one mentoring.
I think it's $3000.00 or something. They tried to sell me that stuff and said I'm not forcing you to buy this but, forcing me you bet your tail. Like 3 grand was 5 cents or something.

Enough with the bull, good luck everyone, although I would really,I mean really like to try it.

dwc   SFO

3:48am on Wednesday, February 4th, 2009 

I did not purchase the program because of your comments. Thank you for saving me the cost of the program.

Robert and Ryan   Ohio

3:15am on Wednesday, February 4th, 2009 

Thanks for the advice. We were interested, but after reading this, we know it's a scam.

Daisy G.   Dallas

10:43am on Monday, February 2nd, 2009 

For all you guys, that bought the Russ Dalbey
"Winning the Cash Flow Business" system should report him to the Better Business Bureau..
I say this because I regularly check the BBB when or if I consider buying any of "scams". And I sure others people check it too..I think he should be put out of business and he will if people stop
falling for and buying his products. If he get enough complaints, maybe he will be investigated.

skeptic   Spokane

7:00am on Monday, January 26th, 2009

Two points of interest here:
I’m amused by the correlation between the people belittling this program, and the number of grammatical and spelling errors in their posts. It might just be a chance finding, but perhaps it’s fair to say that a weak intellect begets equally sub-par results. It’s true that you can’t get something for nothing (Newton’s Third Law makes that crystal clear). However, the exchange of time should yield proportionate earnings (in my experience, most people fail because they don’t invest sufficient time said endeavor).

2) In sales, no program can be universally perfect. Depending on your proximate demographics, the sales strategies in negotiating these notes might not work on the people you’re contacting—for whatever reason. People without sales experience should expect a period where their influence in securing these deals will be limited (as you adjust to what works for people in your area). Patience is paramount in anything like this.

Now, I haven’t tried this.. so naturally my opinion should be considered subjective.

Dan L   CA

10:41pm on Saturday, January 17th, 2009 

After reading all of the comments on about Russ Dalbey I would like to offer this advise, I bought the system too. If an when you ever look at another infomercial and it sounds to good to be true ask them this question,"If I buy this program how much am I going to have to pay total and are you going to keep calling me to buy more stuff.

Nicole   North Carolina

9:23am on Saturday, January 17th, 2009 

Thanks for all the information. I almost bought the program after seeing the infomercial, but decided to research the program first. I will save my $39.95 and use it to buy more groceries instead of throwing it away.
Thanks all.

tosha   washington,dc

6:09am on Monday, January 12th, 2009 

thanks for ur reviews im not buying it almost got me but after reading the comments made here not going to get it.

Eric Kupp   PA

11:44am on Saturday, January 10th, 2009 

Yea so i couldn't sleep last night and saw this on tv. I wrote down the information and was going to call and order. But thanks to these reviews i am not going to purchase it. I figured it would not work if it was not in a big city. I live 45 minutes from philly and i doubt it still would work. And i did notice all the 4-5 stars are in major cities. Thanks for the reviews.

tracy   connecticut

8:28am on Friday, January 2nd, 2009

In regards to Justin's post on 12/22/08 - just wondering how you find out if there are any notes in your area? Thanks.

Cody Lloyd   B.F.E. Iowa

5:51am on Wednesday, December 31st, 2008 

If you look at the locations on the 5 star ratings you will see that they're in a major city with tons or residents. I haven't purchased this product, but i think i live in the wrong area to make any money. Check your area First, then consider it.



Remaining Skeptical
Cody

Ryan V.   Wasco / Shafter, CA.

4:00am on Friday, December 26th, 2008 

Thank god I read this reviews. Thanks Everyone! Because right now Im watching his shows and I was ready to call and order it. Then I thought maybe I might order online instead. Then when I type the programs then I saw reviews about his program. Im been scam before about spiderwebmarketing . Thanks everyone!

Rachel   Pennsylvania

1:20am on Tuesday, December 23rd, 2008 

My boyfriend an I were considering buying this to help with our financial situation. I got laid off thanks to the economy, we've got kids, one on the way, etc. (you know the story - life happens)
I have to say I'm very happy that I didn't purchase this after reading the reviews! We were curious how this would actually work with the economy being the way it is and has been. It would have been a total waste of $40!

Thanks for the reviews,
Rachel

fracy johnson   baltimore

12:42am on Tuesday, December 23rd, 2008 

i to fell for the bait... i bought winning in the cash flow materials .four months ago and i still haven"t made on sent,i call for help and they try make you pay for something i don"t need .and i get email every week about somebody esle making money.very upsetting to me and for them to keep saiding follow what that person is doing.

Justin S.   St Louis MO

8:14am on Monday, December 22nd, 2008 

My father and I purchased the program about 6 months ago, and are somewhat satisfied with the information it gives. First of all it does not promise something for nothing, it says that right on the first page of the book in bold letters, and second there is alot of leg work involved.Get rich quick? I think not, but you can make a decent living at it, and depending on your location even make a promising fortune.
The trick is there isnt always notes in your area, so you must look some distances which makes doing the physical work of tracking these notes down alot harder. Its not all internet, there is alot of visits to county clerks, attourneys, and title offices. So check your area before buying the program, but dont put the program down if you havent tried it, because a note may be in your area and you not know it.

Alexandra L.   Vancouver

6:12am on Tuesday, December 16th, 2008 

Just saw the infomercial. I consider myself one of the most skeptical people out there and somehow they made it sound so good I decided that I was gonna look into it (as in try to download a copy of it from the internet after reading some reviews, I would never buy it! ) .. however, two things made me very skeptical and anyone who is reasonable should have realized:
1) If this program makes you so rich why does this guy need to charge us $39 for it? If he is so alturistic and there is enough to go around why wouldnt he just put it on the internet for free for everyone to find it??
2) Why isnt everyone in America rich if this works and it's so easy? new would spread like wildfire .. think about it you would rush to tell your family, friends . . anyone you cared for all about it . . . Its hilarious how ridiculous this is. . .

Denise   Elkton, Md

7:54am on Monday, December 8th, 2008 

On second thought, after reading one more review, it sounds like a scam, and I dont need any more of that bullshit.

thanks, Denise

Denise   Elkton, Md

7:51am on Monday, December 8th, 2008

I just saw the infomercial and I too wish it were true, but after reading your comments only (2) good reveiws from LA. and Beverely Hills, Ca. is not good enough. If any of you who did buy the course plse make your best effort to try it and tell us if it really works. I believe in real estate, and I think its the only thing that may save our economy. If you bought it at least let us know if it works please, I will try it if it works.

thanks,
Denise

Paul Gotti   NY

8:18am on Tuesday, December 2nd, 2008 

Ok, after watching the ridiculous infomercial and reading these reviews, there are just a couple of thoughts to point out.

1. If it's too good to be true, it is.
2. You can't get something for nothing.
3. If it was truly as easy and lucritive as they say, don't you think everyone would be doing it?
4. Have you ever heard of one of these get rich quick or pyramid scams actually being legitimate?
5. As P.T. Barnum once said, "There is a sucker born every minute."

D.P   Mass

7:37am on Friday, November 21st, 2008 

Russ is a scam artist and such BAD ACTOR! If you see the infomercial, watch his and his "students" body language, It says it all right there. I'm sorry to hear so many fell for this plot of his to take advantage of innocent people. Taking advantage of people like this is wrong. There are alot of infomercial/internet deals like this. DON"T GIVE THESE PEOPLE YOUR MONEY! Sure if you have money to put into this and the right know how you can profit. BUT LET ME TELL YOU -- ANY MIRACLE BUSSINESS THAT PROMISES TO MAKE YOU RICH FOR NEXT TO NO WORK IS A SCAM! You never get something for nothing. Russ is such a scumbag he has his people come to review sites like this to make comments praising his little scheme. BULLS*IT!! The number one rule of life -- IF IT SOUNDS TO GOOD TO BE TRUE, IT IS!

In my opinion we should start a Class Action Law Suit against this scum-dog to put him out of bussiness for good!

So please people, don't fall for these scemes and keep people like Russ living like a fat-cat. YOU SHOULD NEVER HAVE TO PAY MONEY FOR A JOB TO MAKE MONEY, IF YOU HAVE TO PAY INTO IT, IT'S A SCAM.

Kathy   Rocklin

12:43pm on Thursday, November 20th, 2008 

I was called 2 days after receiving my package. I told them I didn't have money, my husband had just died and I was putting in an app to Nordstrom. She said forget Nordstrom, they only pay $8/hr. I worked for them 14 yrs ago and was paid $9.35 (well above minimum wage at the time) plus commission. She told me I wouldn't make more than $2500/mo. I know that's no true by a long shot. She asked wouldn't I rather start working towards my future. My husband was in the hospital for 18/mos and I was down to the last dollar in the savings account when he died. I am going to get a lump sum of $500 and my ins cancelled from his retirement. His VA disability I'll get $1091/mo. There were some other sources that all ended with his death. I am going from an income of $7500/mo to $1091. I'm 59yrs old & need to be practical, not taking big risks with the last of my money. I need a job for money and benefits. I know I will be losing my home and this woman is telling me to just walk away from the home and give her $2500. When I told I didn't have it she asked how much did have and suggested I get together $1000 and they'd get me a scholarship for the rest. Then she put the hard sell lady on the phone (didn't know they had me on conference call) who was basically telling me I was stupid for not trusting them. If this is such a great program, they should have had some compassion for losing my husband last month, backed off, and tell me to call when I felt ready to look into a business. GOOD businesses like that are very sympathetic and would've asked what they could do for me. Thank God you all were willing to share. It's great feedback.
Thank you and God bless.

Aaron   New York

11:27am on Sunday, November 16th, 2008 

Boy oh Boy. Thank you so much. There should be a law about Blue Collar Wolves. I was just about to order his (Russ) program. I guess his beautiful new letter will go home. IN THE TRASH.. Remember "read between the lines." Do some research. I don't think these people are lying..

Bonnie   North Carolina

5:56am on Wednesday, October 22nd, 2008 

I really can't rate this program, but I too almost bought into it. I have been caught up in a lot of scams and learned to check with the BBB before spending any money. They have a "C" rating so I was very sceptical. Then I decided to check Google and found this site. I am so glad that I did. First, they said Mr. Dolby was going to give a one time only price rate of $39.00. That was on Wednesday morning at 6:00. I see that there were many other times that he offered his product for this price. Thanks for all the comments. Have a blessed day.

Bonnie

john   new jersey

7:35am on Sunday, October 19th, 2008 

thanks a lot for the review I save 40 dollars from my pocket.

Jon   B

1:53am on Thursday, October 2nd, 2008 

You guys crack me up. Instead of giving this loser (Mr. Dalbey) your money in hopes of getting rich quick and easy. You should use your money to get a college degree, and go out there and get a job. Russ Dalbey wouldn't have a pot to piss in if it weren't for suckers like you guys giving him your money. If this cash flow business did work he would be using the system himself to make money. Instead he's preying on the weak, and selling the same system that should be able to make him millions. Product is clearly a scam wakeup y'all!!!

Todd M.   Toronto, Canada

4:40am on Wednesday, September 24th, 2008 

I was considering buying the program after seeing the infomercial even though I was skeptic. But yes, good samaritans offering these kinds of much guarded business secrets are rare to find. Thank you guys for the posts. I'd rather invest my hard earned money in something more secure.

Glenn Goff   Benton, Arkansas

12:26pm on Tuesday, September 16th, 2008 

I just seen the infomircial, was checking it out and found these reviews. Knew it probly was a scam!

Brittany   North Dakota

2:12am on Monday, September 15th, 2008 

I just bought the program and then read all the reviews... how stupid!!! I am scared now and totally diapointed in myself, and I havent even recieved any of the matirial. If I expirience what most of you have I will deffinently put up a fight. Thanks for the advice and hopefully it will work out. :(

Lilly   New Jersey

10:45am on Tuesday, July 29th, 2008 

Thanks for your reviews, did not buy.

silvia   TX

4:20am on Monday, June 23rd, 2008 

I just finished watching the infomercial and boy, they make it sound so good that in spite of the fact that I am perfectly aware that there are no good samaritans who will share their wealth for $39.95, I almost called. Then I thought "just for kicks, let me see if I can find reviews on it" I thank you for talking about your experience because that helped me save money, but I'm sorry to hear many of you were scammed out of thousands of dollars. I hope someone puts them out of business.

mke powell   virginia

8:10pm on Monday, May 12th, 2008 

i bought it two days later i got a call asking for more money to be put on a elite team with a list of cash flow notes they even have different levels you can but into ifyou have the gift of gab than this is for you anyone with sales background can do it but not those who dont

Sandy Warner   Los angeles, CA

2:33am on Sunday, May 4th, 2008 

I love this program, Just like anything else if you put your mind to it it can pay off. I got the corse, followed Russ's steps and it really works! I have also been to his work shops, Many successful students and I have the greatest respect for Mr. Dalby.

sandra   dallas

5:04pm on Monday, April 21st, 2008 

I've been in this program for 2yrs and still haven't made a dime especially now when the economy is bad I think its easy to understand but hard to get deals its too much paper work and you need money to invest in biz cards etc.

But if I do get a deal I'll comeback here and tell you all about it.

Linda   N. Carolina

9:44pm on Thursday, April 17th, 2008 

I have to say, I almost bought into this. I was seriously considering one of their mentoring programs but decided to reread all the info to decide if this was right for me. Over the next few weeks I was flooded with emails hyping up their additional training. Over a 3 day period I spend time talking to one of Russ' top Executives about a program that would cost me $3,500-$6,000 but I'd get my own website and be trained on how to market it. When I told him my concern over the price he said I qualified for a scholarship and they would reduce the price by $1500 (I wasn't required to repay them for this scholarship! - their words.) When I posted threads on their forum looking for feedback from others who have taken their courses my thread was deleted. When I questioned this I was sent to 3 websites for positive feedback - all of which had direct links to the Dalbey Institute! Then I found your website and several others while doing my own search. All of which had negative feedback. When I called to tell them my findings they said, in an unprofessional way, "I have to move on and fill your spot, I can no longer discuss this with you." Thank you for opening my eyes and saving me heartache and Money!

Braun Tichy   Indiana

1:30am on Thursday, April 17th, 2008 

i just saw the infomircial on tv and decided to look up some other peoples feedback.... and to think i almost fell for it.... thankz to all of you for everything you have said. you have all helped me to save a lot of money.

Loretta Neal   Chicago, Il

11:32pm on Friday, March 7th, 2008 

Stay away from this program. It's just another way to put money in Russ's pocket. I bought the program and paid it in full. When I went looking for notes. None were to be found. Now all I get is emails from Russ Dalbey of programs that require more money. STAY AWAY FROM THIS PROGRAM, RUN LIKE A SCOLDED DOG!!!!!!!!!!!!!!!!!!!!!

Beverly   Los Angeles

6:00pm on Thursday, March 6th, 2008 

I thought the program was excellent when I signed up. I was provided for the small fee I paid, everything I could possibly need to do the business. The problem was that in California one is required to be licensed by the Department of Real Estate before conducting this type of business. I am a real estate salesperson. If I was a broker, I could have worked the program. If you're in California and you don't mind going to jail then try this program. Of course, since the real estate market went south, there is no work for cash flow experts focused on real estate.

sophia   calif

8:03pm on Wednesday, January 2nd, 2008 

I fell for that scam to. I thought I am a real estate agent I can do this I know about this stuff. I have some conections. boy was I wrong. STAY AWAY from this one. They call you saying dont you want to be the next one to make a million and then after they get you all excited about your dreams they say here then buy this. I agree with all of you it does not even deserve the one star rating. take care and good luck findin a at home job, I cant find one to save my life.

Susan Lewis   Texas

2:37pm on Friday, November 9th, 2007 

Won't stop charging my Credit Card...

I found out that in order to make money you had to pay more than the $39.95. I called to order Russ Dalbey's program and they said it would be one payment plus shipping and handling. When I got my Credit card bill they charged me 2 more times of 39.95. I called to complain and the rep told me that it says that on the infomercial. They kept charging me so I Finally had to cancel my card.

Jenna Brooks   Tennessee

12:42pm on Tuesday, July 10th, 2007 

I have had the program for about a year now. I bought thier so called leads and help that totaled to $4,000. I have followed all their advice and directions and to this date have not made a single deal or even received a lead call for this "business." If anybody knows how I can make back that money I would appreciate any suggestions. My family still doesnt know exactly how much money I dropped on Russ Dalby's program. I feel used by him and his staff, they promised me so much and did not deliver at all. People should stay away from this program. I just wish I would have found this site before I wasted my money.