Black December. One of the most colourful periods in Internet history? Please submit your story.
I
nternet Currencies. Does your bank accept the US dollar as a legitimate International currency?
Growth Industries. The two biggest on the Internet. New?
Matrix Programs. I have egg on my face! Have a good laugh at my expense!


Could there be anybody who has not been effected by Black December? I can only recall the events from a very narrow perspective so I welcome news about your experiences, which I may be able to publish in the next edition of Path2prosperity News. If you are in any paid surf, MLM or matrix program you are unlikely to have got away unscathed. How have people promoting their own services or affiliate products fared?. I look forward to your replies.

Most of my online income is derived from the paid to surf programs so I will start there. People who had amassed substantial funds in paid to surf programs started to withdraw large sums for the festive season, which starts at the end of November with the American Thanksgiving celebrations. One of the biggest paid to surfs,
13DailyPro put in a request for such a large sum that their e-bullion payment processor was unable to meet it. 13DailyPro members started to panic and the rumour mill started to churn. When the firs e-gold funds from E-bullion arrived 13DailyPro started to pay members. When they got a second payment they closed the program and the program owners vanished without a trace!. An unfortunate chain of events or did they deliberately abscond with the money? I do not know. I had no money in their program.

The knock on effect was very serious. People began to panic about e-gold currencies and transferred funds into US dollar based processors. The lack of confidence in e-gold caused severe problems for many of the programs which used the e-gold payment processor. They had massive withdrawals and a dearth of incoming funds. A number collapsed and others were unable to make payments within their Terms of Service. This was great news for programs which use US dollar based payment processors but it is not good news if your Country does not recognise the US dollar as a legitimate International currency?


If your
Visa or MasterCard card allows you to pay US dollar cheques into your credit card account, you can keep the funds in your credit card and use the credit card instead of using cash in your current account or you can cash out any excess for a fee, an ATM where you credit card is accepted. NatWest Visa and NatWest MasterCard are quite happy with this arrangement but the business which issues the cheques has to agree to make the cheques out to NatWest not to you and a lot of US businesses will not do this. Clickbank is one that is very affable to this arrangement.

Have you asked your bank or any High Street bank if you can pay US dollars into your current account? I tried. The most appearingly honest answer was the one that I got from my bank. I was told that I could open a dollar account but it was such a bother for them to manage it, that it was not worth encouraging customers to do so unless they had thousands of US dollars coming in every month. You can set up Internet banking facilities for payments in foreign currencies to a
NatWest current account but it is still very expensive.

If anybody reading this lives in the UK and has over $2,000 a month coming in, you can open a current account with
Citibank but hefty charges apply if the surplus in the account falls below this level. Is the US dollar a legitimate currency in the UK? The answer is yes, if you own a huge International business. If you are a small business or an individual in a paid Internet program the answer is still yes but you have to find a way of changing dollars into an e-gold currency or an acceptable alternative.

What is legal tender in UK and other Countries? There is a famous short story by Somerset Maughn about a farmer who owed a neighbour a substantial sum of money. The neighbour pestered the farmer for payment so he wrote a cheque ( which was legal tender, as he had sufficient funds in his current account to meet the transaction.) Did the bank honour the cheque? The farmer had had run out of writing paper so he wrote the cheque on the white parts of a cow, which the payee presented to his bank! There are so many complex rules in International banking that virtually anybody can question the legality of a payment processor and not get a straight answer.

There is a heated controversy over the
Tri-star processor. Is it legal? When Tri-star supply their International members with Visa debit cards and they can use them to draw funds from any ATM, there will be no argument until the nit pickers unearth another one. I think it is quite safe to assume that Tri-star and cows are perfectly legal tender, if your bank accepts them. I prefer to use PayPal, SolidTrustPay or CEPTrust as STP and CEP will transfer any funds from US dollar processors into an e-gold account in less than an hour and PayPal will transfer it to your bank in £ sterling. It is much easier than farting around with AlertPay, Tri-star or bovine payment transactions. AlertPay have been promising International debit cards since I set up an account in March. Tri-star are getting theirs printed and they should be available in the very near future. When they arrive Tri-star will be an acceptable International currency processor.

The laws on legal tender are so wooly that they will always be the subject of ridicule. I got onto a bus the other day and looked in my bag. I had left the house without the wallet that contained my cash, plastic cards and prepaid bus ticket. I did not want to be late for a dentist appointment, so I asked if any of the passengers would be prepared to give me £4.35 in return for an unopened packet of cigarettes, which I had in my jacket pocket. The bus driver did not object and somebody changed my “fag currency” into cash. Legal? Probably not but who is going to prosecute me or the bus Company for money laundering?

What is legal? It is not legal for me to ask any of my customers to click my
Google Ads. It is legal to add them to my web pages in the hope of getting a few US cents into an Internet program which will convert dollars into pounds sterling. This is probably the best money making program on the Internet but it takes a long time to start generating income from this this one.

They are the same as they have been since time immemorial. Crime is the biggest and is crime prevention is not as far behind as it was in the past. The Internet is a jungle. Prepare to meet all the familiar species. You will encounter the lot, sharks and other voracious predators, pernicious viruses, worms, thieving magpies, species that spawn e-mails like flies, profligate sales people, complete idiots and malicious pests.

You will get bitten, stung or ripped off a few times. It is nature’s way of honing your survival skills. Each and every one of us will end up as a feed for the decay bacteria that survive in the human gut. If there is something to eat in this world, there is another species designed to eat it. Learn how to differentiate between the venomous, benign and benevolent species. One of the best tools that I have found for honest jungle dwellers is the Due Diligence Toolbar. The crime prevention squadron include bloggers, surf monitors and web site owner such as yours truly, who want to express a sincere opinion about certain programs and program owners. Some behaviour ruffles my feathers. I try to identify others that are nothing but vermin.

Come out of your shell. Join a few of the paid to surf programs and observe the hullabaloo, as the dominant males and females trade insults and fling rocks at one another. Doesn’t it remind you of our cousins in the natural world? These are no different from any alpha male or female in the biological jungle. Disobey them and expect punishment or banishment from their programs. Observe them. Do not bellyache about them. They supply a lot of small fry with realistic income streams.

Take a ride on the backs of the big beasts for a while and enjoy the provisions which they make for their members. What is perceived as “crap” by some minds, is essential nutriment for an elephant dung beetle. Search for programs and cyberspace communities to create progeny. Nurture your progeny. The big money in most of these programs come from referral commissions.



I thought that I knew almost all there was to know about this subject and I was confident that my mentor who must have been born around 1890 knew just as much as any Internet marketing guru. She did! My folly was to apply her advice to what turned out to be one of the the biggest scams during Black December. Am I alone? No. The most respected source of information on these type of programs is
Mrsvee (known to many as The Oracle. Mrsvee made a big mistake and got hammered because she was a victim of con. Do not be put off. She is a survivor and her reputation is only tarnished by those who expect perfection.

She is planning to launch a matrix program of her own. I will send you details when I get wind of the dates. launched as I intend to join that one. You can follow MrsVee’s comments on
The Matrix Unplugged Scam and read her prognostications for paid to surfs and MLMs, if you download the Due Diligence Toolbar. Strongly recommended for anybody trying to make a few bucks, pounds or whatever as an Internet marketing affiliate.


Multi Level Marketing (MLM) raises its ugly head again and again. It can make a return in a variety of guises. Does it work? You bet is does. SOMETIMES. My first encounter with (MLM, matrix programs, chain letters or whatever you like to call it), was when I was incarcerated in a fashionable girl’s boarding school, which had an uncanny resemblance to StTrinians. All the girls in my class handed over half their term’s pocket money to Matron so that she could dole it out for things like stamps, toothpaste, sanitary towels or money for the church collection. Matron was no fool, she was well aware that we hid the rest of it to use as the school term’s betting money. She did not look for any girl’s betting money unless they broke a school rule that she was determined to enforce. If she wanted to confiscate somebody’s betting money until the end of term, she found it. It was usually wrapped up in that girl’s dirty underwear of a dirty handkerchief and stuffed in a dirty laundry bag!

Matron and most of our parents did not care if we spent a our pocket money on the horses. It was an era when there were no betting shops. It was also a time when postal and telephone betting was deemed a vital part of the post war “Enterprise Culture.” Most of our parents had an account with a local bookmaker and sent in postal bets on a variety of sporting events. Matron laid down the rules of the game. She insisted that we must not gamble with money, that we could afford to loose. Nobody was allowed to issue IOUs. She taught us to hedge our bets. She also taught us some of the moral principals. She warned us that most of us would loose our money and insisted that we bore that misfortune with the traditional British “stiff upper lip.” Nobody got any sympathy if they bellyached about their losses. The rule was “There is no point crying over spilt milk.” If any of us backed a winner, Matron paid us in full within a few hours. Matron was a very competent program manager.

We all made “money” on one MLM program. In the early 1950’s almost every girl and woman longed for the opportunity to wear some of the new nylon stockings. Matron discovered a “matrix program.” There was a scheme, where we were invited to buy a coupon, which cost a big chunk of our term’s betting money. We had to send the coupon to the first name on the list and we had to write sales promotion letters to the other names on the list telling them why they must work hard to promote the scheme. When the first of us started getting our coupons in, we wrote to the names on the list again and told them that the coupons were arriving almost every day. We wrote to them again to say, that some girls had had their coupons redeemed and they were wearing their nylons. We wrote to all members of our “downline” five or six times during that term. We wrote to all our friends telling them not to believe any parents or other adults who said it was a swindle, as we had positive proof that the scheme was working. It was hard work but I went home at the end of that term with enough pairs of nylons to share with my mother and my sister. They both asked for an invitation to get on one of my friends’ lists. They both signed up and sent the coupon to the first name on the list but when they discovered how much time and effort it took to get more people into the program they lost interest and the program started to fold.

Moral of this story. How did Matron know how to run an MLM scheme which was a large Ponzi? She must have been nearing retirement age, when I was at school and she was probably born in the late 1890's. These programs are not new. They are an online version of ponzis that have been around for donkey’s years. If you are going to make a success of any type of matrix program, you need a product which is in high demand. You need to work to promote the program. You need to write your own sales letters. Do not be fooled into the belief that mass produced sales letters sent to, what the promoters call, a massive optin list is going to be much use. The only e-mail lists that are of any real value are the ones which you build yourself. The promotional web pages which the program managers provide for their members, are unlikely to attract any interest if you only advertise it on networks where there are hundreds or thousands of replicas. Use a bit of common sense and you could find one or two suitable matrix programs.