If you're a night owl you've probably seen an infomercial about a home based business "opportunity" called "Winning in the Cash Flow Business". It's hosted by a man named Russ Dalbey who claims you can make huge amounts of money simply by finding "notes" and helping people sell them. The infomercial is purposely vague about what exactly notes are and how to find/sell them. It spends most of it's time showing glowing testimonials from Mr. Dalbey's "students" and hawking a "kit" that will show you how to get started for just $39.95. Now here is what they DON'T tell you:

1. When you call you'll be heavily pressured to purchase an "upgrade" for just $300 more.
2. After you order the kit you'll be inundated with phone calls inviting you to be a "protégé". All you have to do is pay an additional fee which is anywhere from $2,000-$10,000 more! The sales tactics they use are extremely high pressure.
3. Russ Dalbey has not made a dime "flipping notes", but he does make over $100 million a year ripping people off through his infomercial.
4. Russ Dalbey has changed his business name several times due to investigations by the Better Business Bureau and the U.S. Attorney General's office.

So needless to say, this is just another scam designed to target people desperate to own their own business. Stay far far away! Still need convincing? Check out this site that has over 200 complaints from folks who fell for the infomercial.