Product Name: Excel Cash Flow
Product Owner: ‘Cami White’ or ‘Debbie Jones'
Price: $97 (discounted to $27)
What is it?
A link posting scam that claims you earn $15 per link.
Excel Cash Flow is filled with a whole lot of hype about how you can earn income online. However, they fail to mention the details of how to make money through link posting that I'll explain in this article.
In reality, this method of making money online is very boring, takes a lot of work, and often pays less than minimum wage. The worst part is posting links on the web makes you an internet spammer, much like this guy here:
There are legitimate ways to make money online, and I actually earn a full time income from my websites. But it takes proper training to learn how to do it, and some time to start seeing good results. The advertising for Excel Cash Flow is simply trying to hook people into an “easy money” scheme.
Before You Buy This Product
Don’t be fooled by the whole ‘make money or its free’ guarantee that the site offers. There is no guarantee that you will ever get any money back and the site would probably count earning a single dollar as an indication that you don’t get the money back.
Very often with products like these you the web address does not match the name of the website. The company that charges your credit card does not match the website name or address. Their phone numbers might not work, and the company may be located in China. This makes getting a refund difficult, or filing a complaint with the BBB useless.
Protect yourself and make very careful buying decisions.
What I Liked
The only thing I liked about this site was that the landing page did actually say that the product was about link posting. Sometimes scams don't even mention this! This makes it easy to know that this is a product to steer clear of.
What I Didn’t Like About Excel Cash Flow!
Hype, Manipulation and More
Right from the start it is clear that Excel Cash Flow isn’t exactly being honest or realistic about what the site is offering or how good the approach actually is.
For example, the concept that you can earn as much as $379 per day from 60 minutes of work is completely unrealistic and is used to get people excited about the system and its potential. This is a made up number – a special type of advertising to make your brain think, “Wow – that's a reasonable amount of money. It's probably a real number!”
There is a lot of hype throughout the sales page for the site, focusing on just how much money you can potentially earn through the system. The site even uses the stock video on working from home that I have seen on dozens of different websites. Notice that the video never mentioned that phrase “Excel Cash Flow”.
It was created for general use for all of these “work at home jobs”.
There also isn’t anything unique about this product, and I have actually seen this exact formula used across other sites. In fact, there are thousands of websites that are structured the same way. For example, the first image below is from Excel Cash Flow, while the second is from a site called Automated PayDays.
Aside from changes in names and in locations, the stories are identical and even the wording and the formatting is identical. The sites use many of the same promotion images and language, and there are other sites out there that do the same.
This is a pretty big indication that ‘Cami White’ isn’t who she claims to be and probably doesn’t exist at all, as the image used is from a stock photo site.
In fact, a product that I’ve reviewed in the past called Online Riches University even used the same stock photo and similar sob story.
Link Posting Doesn't Earn Real Income!
Excel Cash Flow is actually a link posting scam.
In concept link posting sounds fantastic and this scam takes every approach possible to make it sound even better. The site claims that you can earn $15 per link you post and that every link takes around three to four minutes to post.
The theory behind these claims is that companies need to buy these links to get ranked in Google, which gets them traffic and then profit. Excell Cash Flow argues that you can earn so much money because demand for links is so high.
But it isn’t. There is no demand for this service.
Ranking well is an important thing for online businesses and buying links was once a strategy used to do this. However, as search engines have become more sophisticated the effectiveness of these links has dramatically decreased. Here's an example of the type of work that link posters do online. Can you imagine Google or Netflix using this tactic? No way!
Because of this, link posting is dying as an industry and sites are increasingly turning to other ways of getting traffic. This means that the amount of money you can earn through posting links is already low, and just going to get lower.
So, in the long-term, link posting is a horrible plan for a long term business, but what about earning money in the short-term?
It turns out that link posting doesn’t work too well even as a short-term way of making money.
Despite what Excell Cash Flow claims, you don’t actually get paid for each link you post. Instead, you get paid for the links that actually stay where you put them.
Achieving this is a lot more difficult than it seems, because the links you will be posting aren’t high quality and most people will recognize them as spam. In many cases, posting links will also get you banned from the sites that you are trying to post them on, as post sites don’t allow spam.
Time is another factor to consider. It might only take 3-4 minutes to post a link, but it takes much longer to figure out where you can post a link and have it actually stay. This gets more difficult and more time-consuming as you go along, because you can’t just keep posting links in the same places.
This means that you need to keep finding new places to post links, and the more you post, the harder this gets.
On top of all of that, it also takes time to actually get paid and you might find yourself waiting a month or two to get payment because of the fraud prevention approaches that the site takes. Plus you have to meet the threshold for cashing out in the first place.
A final important point is the amount that you get per link.
You are not likely to earn $15 per link. Survey sites make similar claims, often saying you can earn up to $75 per survey, but it just never happens. It's unlikely that you'll earn more than about $1 per link unless you successfully get one to stick on a big name website like Wikipedia or a Government website (impossible!). Most places you'll post links will be people's personal blogs or internet forums.
There are a few other things to be wary of with Excel Cash Flow. One is the concept that you get a secure website for making payment.
This claim is misleading and honestly the payment method for the site isn’t any different than other payment approaches out there. In fact, the Trust Guard seals on the site look like they are out of date and aren’t clickable when they should be. If you can't read the image below, the seals are from 2012!
This means that the site probably just took the images from somewhere else rather than actually verifying with (and paying) Trust Guard.
A final thing is quality. The system costs $97 to purchase, but it doesn’t look like it is very good quality at all. The company couldn’t even be bothered to get their sales page spellchecked. Is this the type of company you wan to hand your credit card information to? Not me!
There is a lot of hype surrounding this product but very little substance. Your odds of actually making money are slim and even if you did, you wouldn’t be earning much money at all.
Easy and fast methods of making money never live up to their hype and Excel Cash Flow is the latest example in a long line of sites.
The truth of the matter is that if you want to make money online, you do have to put the time and effort into the process. I know this because I've tried the “easy” ways, and they never worked. Now I make a full time income and understand that it does take a lot of work, but it's completely possible for you to achieve success.
In the end, you own a legitimate business that can make you money in the long-term and that you can continue to grow and to develop for many years. Rather than send out daily link spam, you can actually provide a service and help people.
I learned how to build my first business in 2010 with Wealthy Affiliate. They offer training for newbies, including step by step instructions and detailed videos on how to set up a profitable business on the web. There's a forum and live chat you can access to chat with other members for help or to trade ideas too, which is great for motivation and support.
You can start your first website for free without even using a credit card, so if you are serious about making money online I recommend you start your training today!