MLMs Provided by Jane

There are literally thousands of business opportunities on the
internet and many are classified as MLMs which stands for Multi Level
Marketing. Annika’s does not have a database of MLMs, mainly because
a lot of them are scams and very risky. There would be too many to
recommend or blacklist. And even the blacklist of surveys is becoming larger
than one thought it might lol

Definition: Multi Level Marketing – You earn money based on
commission from your referrals and commission on your referrals
referrals etc etc. PTRs with multi referral levels are actually MLMs.
Paypal will cancel an account of anyone they suspect is involved in
MLM activity which is why so many PTRs have gone to one referral
level or stopped using Paypal as a payout option.

Are all MLM programs scams? No, companies like Avon and Nutrimetics are legitimate companies that sell products based on commission – you have probably heard of them. How can I tell if the program is a scam?

A few tips:

Do they ask you for money for nothing?
~ Programs that work in investment loans etc and promise ‘double your
money’ for example are risky and probably scams

Is there a product?
~ What are you paying for and what are other people paying you for?

Do you have to buy a certain amount of product per month or can you
order only what you sell?

Do they promise money for nothing?
~ Unfortunately, unless you win the lotto, making money requires
effort. Even if you have referrals you need to keep generating income

HYIP – High Yield Investment Program
One-up – You pay your sponsor and then pass up a member who then pays
your sponsor’s sponsor and passes up a member who pays your sponsor’s
sponsor’s sponsor….
Matrix – Where your earning potential is calculated by the number of
referrals X a set figure. The important word is ‘potential’, not

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Warning Blacklisted surveys

There are a lot of forums promoting blacklisted surveys right now. Be careful what you sign up for being promoted on other forums. They are either ignorant or just trying to post new survey panels without even checking them out. Blacklisted survey panels are often obvious. Here’s a few warning signs so you can tell right away and if you belong to a forum promoting bad/scam sites you can respond and save others from it.


No privacy policy

Terms read you have to complete offers

You are asked to join other panels before you even join theirs!

Also here’s this…

1. Look at the bottom of the survey page, do you see a link that says “Affiliate Program”.

2. Does the survey company ask you to pay them, instead of you being paid?

3.Does survey company page claim you will earn $100 an hour?

4. Do you have to sign up for other offers in order to join the survey company?

5. Does the survey company offer you a chance to win a prize before you even sign up?

6. Do the terms of the survey company read “Receipt of the free incentive gift requires: 1.) Completion of offer terms, including age and residency requirements; shipping address verification; and registration with a valid email address 2.) Completion of user survey. 3.) Participation in sponsor offers. Upon completion of participation requirements, we will ship the incentive gift to you with free shipping”

7. Does the survey company have more than 3 pages of information you have to fill in and answer “No” to?

8. Does the link of the survey company in the address bar of the site you wish to join have “hop=” in the subject line?

9. After signing up for the survey company is all you get is spam?

10. Does the link of the survey company read clickbank?

If you answered “Yes” to any of the above, read below:

1 – The reason I ask this is because if it has an affiliate program to join, 9 times out of 10 it’s a site you don’t want to join because the site is earning so much off of you, that anyone can join their affiliate program and earn money too by promoting it to others. Now, I’m not saying being an affiliate is a bad thing not by any means. I’m saying if a survey company “shows off” they want affiliates before you even join to get surveys something is wrong.

2 – You should never pay for surveys, if you do you are being ripped off. There are loads of sites out there that list survey companies for free.

3 – There is no way on earth you can ever earn $100 an hour from ANY survey company. I know, I been in the business since 1998.

4 – If you have to sign up for offers in order to join a survey site, that is screaming scam. They are paid by other affiliate companies for you signing up for whatever they have listed on their site. Legitimate survey companies do not operate in this manor. They send you surveys, you either do them or not. There is no signing up for other “offers”

5 – Fraud survey sites are now offering prizes, “Complete this survey to win this free digital camera.” The terms of those offers permit the company to sell off your personal information to other companies.

6 – This means whatever their “sponsored offers” are, they are being paid a great percent for you doing so. Those “sponsored offers” are usually, signing up for magazines for a full year or other pricey things which require your credit card.

7 – No legitimate survey company has more than 3 pages worth of sign up information. They ask your name, address, email address, password, household information, race, age. The only time you will run into a company asking loads of questions is beta testing and that is only if you are actually up for the product to test.

8 – 100% of the time if the link reads “hop=” it’s a scam site. It will encompass any and all the above information already written.

9 – If all you get is spam after signing up with a survey company, and you weren’t getting spam before the chances are you signed up with a bad survey company. The company will sell your email address off or add it to other lists that if you sign up for the offer in the spam, they are paid for it. This is what keeps the spam, and the fraud going on. Not everyone knows this is part of their scam.

10 – Though clickbank offers a refund, would they have to if it was a legitimate survey offers? I have known loads to have to ask for a refund after being suckered into a clickbank offer.

Previously posted to Annika’s message board and moved here before deleting the forum.

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Dealsncash walk through and explained

This company is ran by the same people who run hits4pay. It’s basically the same.

After you sign up you will need to either disable your popup blocker or add dealsncash to your allow list.

It now appears every time you log in, you will be faced with spam and you are forced to see it or click “no thank you.” It claims you won’t see it again when you log in, but you face a new spam each time you do log in. It rotates from one spam to the next.

Deals N Cash use to pay by check and now pays by paypal which is most convenient to those of us who prefer being paid right away.

The main sections you need to pay attention are:

Members Home – This is what is called your home page. Ignore most things on this page, except your referral link and Internal Mail Box. You will need the referral link to promote the program to get people to sign up under you.

My account – Edit Account – You will have to put your correct address since your pay checks are mailed there.

My Account – Edit Categories – This is the choice of what emails you will get. Sadly, very sadly they do not allow you to check them all. It would be a great option if we could because then we could earn more. (This selection is a popup window, or you can right click it to open a new window.)

Submit Tax info on the Members Home page – In order to get paid this HAS to be filled in. (This selection is a popup window, or you can right click it to open a new window.)

Internal Mail Box – New Paid Ads- Check this weekly. Even though you will get emails in your inbox there are ALWAYS ads missed stored in this area. (This selection is a popup window, or you can right click it to open a new window.)

My Account – View Commission Stats – This is where you will find your info and your referral information link is located on the right hand side.
The view referral breakdown link again, (thisselection is a popup window or you right click it to open a new window.)

When you get an email you just scroll down to the middle of the email and click the button that says click here to view advertisement. A window will open and a timer will eventually say you been credited for viewing the site. You can also go to the site each time you get an email and click the same box at the bottom of the ad to view the ad. I find it best to go to the site, right click the box and open in a new window and then delete the ad. Other wise you have to return back to the site inbox to delete the ad, unless of course you wish to leave them there.

My affiliate resources – is for promoting your referral link. You will find banners to use to promote the program as well.

The Top Picks on the members’ home page are all sites listed on Annika’s Black List, which means they are scam sites. So be careful of falling into the trap of thinking “Oh because this site is good so must the programs it promotes.” Sadly that isn’t true.

Tips: Log into the site if you aren’t getting emails and change your categories. I find around January till mid April I want to change my selection to tax information. That’s the only sure category and timing of it I can really suggest. It’s really hit and miss, it’s why you need to promote the program.

Click the email ads as soon as possible; doing so will get you more right away I noticed. If I wait an hour or even a day it will be days before my next ad. When I click them right away I get up to 5 each time. I’m not sure why the program operates this way but it does. Please test for yourself.

Written and published in 2008 on Annika’s.
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Freelancer walk through / explained

This is very generalized. 

It’s free to join and bid.

To hunt for jobs upper right hand corner is a search box. Type anything there you want to look/apply for.

After you sign up and log in…

The left hand side contains a menu. News, account details, account info, buyer, provider, advertiser, affiliate, payment.

Edit account info is where you will want to go 1st.

Set up your profile to the best of your ability, remember it’s public!

Make sure to check what all jobs you are open to doing and remember the amount of emails you will get for each area you ticked.

Account details is payment info, your profile link and if you wish to upgrade to gold.

Buyer activity is where projects that you post for others to do show up. And also where you can rate the person you does the job for you at the bottom.

Provider activity is where projects that you bid on show up. And also where you can rate the person you do the job for at the bottom.

Advertiser activity is for if you wish to advertise on get a freelancer.

Affiliate activity is where you can find your referral link and earnings as well as names of those who signed up under you.

Payment transactions is of course is where you deal with the funds in your account.

Now you will get an email when a job is posted in the sections you selected. Simply click on the link to see the job. Bid whatever you wish and be sure to post text too, explaining how you would be best to pick for this job over any one else who bids lower or higher than you.

The help desk is there for a reason, free and easy to use. So don’t be afraid to use it. I myself have used it about 7 times so far for various reasons.

From another post.

It’s a lot like ebay. You bid on jobs and hopefully win them. The site takes a fee of $5 from each job you win so make adjustments in your price for the job for this unless of course you are a gold member.

They now pay and take e-gold, paypal, wire, moneybookers, and check.

Remember whatever job choices you wish to be notified of, you will get loads of emails about. So you might want to use another email address for this. You could end up with thousands of emails a day depending how many areas you have ticked.

TIP: When you bid be sure to “PM” the person who posted the job. This will help them notice your bid. When you are new you have no feedback and your bid will appear at the bottom of the bidders list. Which you might not get noticed because of this. So you may have to go with a lower bid to insure you get selected for the job until you get enough feedback to get noticed when you place a bid. This is very important to get as much feedback because you want to appear near the top of the bids.

Recent changes.


DETAILS: Buyers will be required to pay a REFUNDABLE $5 fee when they post a project on This fee will be REFUNDED as soon as provider accepts to do a project OR when the project is cancelled properly. If you don’t find anyone who can do the project you will cancel it from Buyer Activity page and the fee will be REFUNDED to your GAF account. Project must be cancelled within 30 days after the bidding was closed. We will ONLY keep this fee and don’t refund it when a buyer doesn’t follow our TOS. For example when someone posts a commercial for his company or when someone adds his contact information to the project description. The goal is to be able to refund all of these fees. Of course there always will be a few who will try to abuse our site but with this fee it will be harder and they will have to pay for it. Buyers will still be able to post in realtime and not to be forced to wait for a time consuming manual approval.

WHY?: Because too many projects posted on GAF don’t follow our TOS. We also have many buyers who post projects, select providers and don’t have the ability to pay providers properly. If a refundable fee is taken it will make buyers to think a bit more before posting a project. They also showed that they were able to fund their GAF account. The advantage for serious buyers is obvious – less invalid projects that take time and energy from providers.

THE RESULT: Think about it in the long run. When providers find out that there are high quality projects posted on they will look at each project more carefully. Buyers will get more bids from high quality providers who rather spend time on our site than time to look at bad projects on other sites.


DETAILS: New free members will be able to make 15 bids per month. Old free members will be able to make 15 bids + 1 bid per month they have been a member at For example, if you’ve been a member at GAF for 1 year and aren’t a Gold member you will be able to make 27 bids(15+12) per month. New Gold members will be able to make 150 bids per month. Old Gold members will be able to make 150 bids + 1 bid per review they have(finished project) + 1 bid per month they have been a member at For example, if you’ve been a member at GAF for 2 years, have 78 reviews and are a Gold member you will be able to make 252(150+78+24) bids per month.

WHY?: There are too many bad bids on With these limits providers will have to think twice before making a bid since each bid is more valuable to them. We also want to give old members and Gold members who are loyal an advantage of having more bids. Long term commitment should be rewarded on our site. We will all benefit from that.

THE RESULT: Less bids but each bid will be of higher quality. Old members and Gold members will be rewarded for staying with us. Buyers will have less bad bids to remove when trying to pick the winner. We will get more happy buyers on our site. This will lead to more buyers who return to use and post more serious projects. This is of course good for all providers too.


DETAILS: Reviews will only be possible to post on finished and paid projects. A review must be made within 90 days after the project has been finished and paid for. If one user submits a review the other user must submit his review within 14 days after the time the first review was submitted. Reviews will be hidden until both buyer and provider submit their reviews or until 14 days passes after first review was made. As soon as both buyer and provider post their reviews they will both become visible on the site. If only one user post his review only one review will become visible. It will be possible to withdraw reviews if both users agree to do it.

WHY?: We want all reviews to be accurate and a review system all our users can trust. If provider must finish a project and buyer must pay for it before they can make a review we can make sure reviews are not faked. Also, since reviews will not be shown before both make their review or a certain time passes we will avoid the problem with users making a good or a bad review just because they saw the review the other user had given. This is something many members have been requesting for a long time.

THE RESULT: No more fake reviews. No more reviews to get a project done. No more reviews to get paid for a project. No more bad reviews just because someone isn’t happy with the review he’s got. All reviews will be much more accurate. This is good news for honest users and bad news for cheaters.

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Review: National Geographic Kids Hey, Baby!

I was blessed by Moms Meet to get National Geographic Kids Hey Baby. A collection of pictures, poems, and stories from Nature’s Nursery. It’s a very uplifting book and not just because of the beautiful animals but the text as well. Our favorite was of course the mini mountain lions get a smelly friend (a skunk of course!) On page 22, 23. We use to have a pet skunk named Stinky.

The really great thing about National Geographic Kids Hey Baby book is the cool educational tidbits on a lot of the pages. It was information that could be easily remembered. I would recommend it to anyone!

About Hey, Baby: A Collection of Pictures, Poems, and Stories from Nature’s Nursery

  • Hey, Baby features beautiful photographs, stories, and poems, plus factual information about animals and nature.
  • The book is organized by habitat. Each section opens with a poem and ends with a precious photo gallery of “more itty bitty babies” called a Tot Lot. • In between are profiles and pictures of each animal, along with special stories of unusual animal frienships, animal rescue, and global folktales.
  • Purchases of National Geographic Kids books supports the exploration, research, and conservation efforts of the National Geographic Society.
  • This gorgeous, hardcover book is a great value ($24.99) and the perfect keepsake gift for families, new parents, and moms-to-be.

Where to purchase

Hey, Baby!: A Collection of Pictures, Poems, and Stories from Nature’s Nursery is available to purchase wherever books are sold, including traditional bookstores like Barnes & Noble and Books-a-Million, as well as local independent stores, and mass merchants like Target, Costco, Walmart,, and

Learn more online Connect with National Geographic online!

All blog posts must include this disclaimer at the beginning of their post: I received this product for free from Moms Meet (, May Media Group LLC, who received it directly from the manufacturer. As a Moms Meet blogger, I agree to use this product and post my honest opinion on my blog. The opinions posted are my own. All my other disclaimers still apply as well!

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