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     Why do I call them 'Money games'? 'Money schemes' would work also, but I chose money games because it's my personal perception, providing you play by the unwritten rules, and know what you are getting into! And I strongly advise you to read this page entirely before you attempt to participate in these programs, and to also send this url to anyone you may know who is either already involved in these types of programs, and/or curious about them, before you ever refer them to a specific program. This will save you a lot of friends, and save you a lot of money.

The reason for this section is: I keep reading all these sad stories in the various ratings/evaluation (and program) forums regarding people who have supposedly 'invested' money they seriously needed for day to day living. There is a definite need for an accurate description of these programs, and how to use them (if you so choose). That is the purpose of this section - to educate those who choose to play, and warn those who don't understand the volatile nature of these programs.

There is also a reason why this section is written from the viewpoint of these programs as gambling - that is exactly what they are, except they are totally unregulated, in contrast to casino games. In my half century of life, I have worked both as casino security and as a casino bartender, and both give a totally different slant on the world of gambling.

In casino security, you are trained to constantly watch for those who are cheating, or manipulating the games to their advantage (not just the players, but also the game operators!) Bartenders (which is a much more enjoyable position) serve to encourage players, congratulate winners and console losers. 

A “game” in my definition is something you play with prior knowledge that you do not know with any degree of certainty what the outcome will be. Many “games” however, do come with a “stacked deck” and you can NOT win. Play any “game” and you take the chance of losing it all, winning a little or maybe even winning a lot. THE DECISION TO PLAY IS YOURS.

Definitions:  

Guaranteed: NOTHING about any of these programs is guaranteed, except that they are going to disappear at some point. And there is no way to calculate how long any given program will last. "You pays your money and you takes your chances", plain and simple.

Virtual money: virtual money is money that currently exists only on paper, in your 'backoffice' in an Internet program, or on a webpage (as in your 'Available balance' in your online banking account.) Virtual money exists both offline and online. It's your credit limit on a credit card. It's your next paycheck when you turn in your timecard at the end of the pay period. It's money that you are expecting to receive, but haven't gotten yet.

Virtual money becomes real money when you cash your paycheck, or receive a payout from an online program. Real money you can see, touch, feel, spend! Until it's in in your hand, it is not real, and in the case of these type programs, should never, never, NEVER be counted on as your real money until it is actually in your physical possession!

I can't count the number of emails and/or instant messages I have received from people who have actually budgeted their monthly expenditures (bills) to include virtual money. You can NOT pay your rent, car payment, insurance, utility bills etc. or buy food with virtual money! 

Expendable income (what you can AFFORD to lose): What IS expendable income? It's money you do not need for anything else. It is your pocket change, money you might spend on a movie or dinner, a surprise bonus from work, maybe your income tax refund.

What is NOT expendable income? Your rent money, your food money, your car payment, your utility bill payments, your vacation fund, your savings for your children's education, your life savings!! It is NOT money you can borrow from your bank, relatives or friends, or a credit card!! You should have the idea by now! If not, go back to the top of this page and start over!

• NEVER spend money you can not afford to lose! Read again - 'Expendable income'.

• When a program starts making excuses about why your payment was missed … GET OUT. History shows us DDOS attack reports, database loss reports, reports of hackers, going PRIVATE, installing a new script etc. are usually excuses and the money is running out. These programs invariably either close or disappear shortly after the excuses start.

• Don't get GREEDY. Take your initial spend out as soon as possible. The game WON’T last forever. Put only your profit back into the game if you want to continue to play.

• Don't BELIEVE everything you read … you are NOT going to become a millionaire playing these games. Play it smart and you can make a few bucks…

Do what I do - regard 'Money games' like you should regard casino games - as 'entertainment'. You pay a certain amount of money (make sure you have read and understood the section on expendable income FIRST!) and in return, you get to amuse yourself for a period of time. Just like going to the movies: you pay for a ticket, for your concessions, and then you get to be amused for approximately 2 hours. If you buy a lottery scratch ticket, you pay (usually $1 or so) and get to be entertained for a couple of minutes. 

You make a spend in an Autosurf that says it will pay you 12% after 12 days if you surf for 12 days: you get to entertain yourself for a few minutes a day while you surf your required sites, and you get to do that for 12 days. Then you get to be entertained while waiting to see if your virtual money becomes  real money. Whether you receive the money or not, you did get the entertainment.

You make a spend into an HYIP promising 150% after 5 days. Minimum spend is $10. You have $10 (it was just sitting around in a glass jar in the bedroom), so you get in. You get to anticipate your $15 payout for 5 days (plus however long declared in their TOS is allowed for payouts). If you DO get your payout, and don't want to play again, you WON! If you do decide to play again, put the same $10 back in. If you are fortunate enough to get paid another $15, you are doing good. If not, you got to play for 10+ days, and it only cost you $5! If you win the second time too, you have your original $10 back ($5 profit times 2), plus $10 to put back in again if you choose. NOW you can choose to compound (if allowed) or put all your earnings back in each time. The worst you can do now is break even!

As far as any type of long term longevity, the highest return I have seen offered (in over 3 years of participating in these programs) that lasted is 1% per day. StudioTraffic was able to not only dominate to paid autosurf for 18 months at this rate, they hold (held?) the record for on time payments. Dadndave's is rapidly closing in on that record, now over 14 months, but currently struggling. 

The choice is yours, my friends.

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