Winning in the Cash Flow Business
You have likely seen Russ Dalbey on TV; he regularly appears in infomercials promoting his Winning in the Cash Flow Business system. From all accounts, his infomercial makes him come across as a great guy desperately wanting to help you, the viewer, make pots of money by working from home. He makes it sound incredibly easy but like most get-rich-quick programs, Winning in the Cash Flow Business is an over-hyped business plan which is very unlikely to produce successful results. This business scheme is actually based on a legitimate industry model, the con is in the up-sell techniques used by Russ Dalbey and his team of promoters. The reality of making this business model work is an extremely complex process and very few people will ever really be able to make a significant living out of it.
Winning in the Cash Flow Business costs $120 and its proposed goal is to teach people how to broker cash flow notes. Naturally, the program recommends brokering them through Russ Dalbey’s network, which is known as America’s Note Network. You are told that you will get ALL the information needed to succeed in this arena but the information you receive is nothing more than cleverly marketed hyped up bumph which is far from enough to get you started in the cash note brokering industry.
A cash note is what some people get when they win a major prize or inherit a large sum of money. Instead of receiving the ‘lump sum’ in one go; it is distributed to them in smaller monthly or annual payments over an extended period of time. Cash flow notes are also created in real estate transactions when the owner finances the deal – these are the notes that Winning in the Cash Flow Business focuses on. What Russ Dalbey claims Winning in the Cash Flow Business will do is train you to find the people holding these cash notes, you then offer to buy those notes off them for a slightly lower sum than what they are actually worth. You are persuaded that these people will jump at the chance since a lump sum payment is “always better” than smaller amounts over a long period of time. Once you have purchased the ‘Cash Notes’ off of the previous owner you then go and sell the them to someone in the market for a long term investment, through America’s Note Network, at a slight profit to yourself. As a ‘Cash Note Seller’ you are trained to use the America’s Note Network website to buy and sell these cash notes.
Although this system may seem simple, doable and very straightforward, the reality is far from a walk in the park. Cash Note Holders are few and far between. And, those that do exist tend to be happy with their current arrangement.
It’s almost like a scene from the movie The Boiler Room where trainees make cold calls to lists of well-paid men and apply high-pressure tactics to sell initial public offerings exclusive to the firm. No matter how great you are at sales, you’d need the moral fiber of an alley cat to follow it through without guilt and a ton of self-doubt weighing heavily on your conscience.
After purchasing Winning in the Cash Flow Business many buyers have reported being excessively harassed by Russ Dalbey’s sales team who appear to be desperate to sell further mentoring programs, elusive leads to people holding cash notes, and many other expensive up-sells including a “special” calculator specifically designed for the cash note business! Knowing that people fall for this crap is disheartening at best.
15 User Reviews 
Our reviews are based on information from consumer complaint websites, ratings from the Better Business Bureau, bulletins from the Federal Trade Commission & other government agencies, news articles, television reports, and plain old common sense. Tried one of the products reviewed here? You can share your experience via the user review section.
Help got ripped off by Russ Dalbey!
Russ dalbey says I have to wait to receive my package from fed ex!
Call you credit card company and have them reverse the charges…
I can clearly see that they took the money out of my account but I received no package.
They sold my cell phone number to a telemarketer. My number is on the do not call list but they still call (telemarketers), even after I told them “no” and reported them.
Don’t do this, you’ll regret it later. There are too many other companies that you can do this for. JG Witworth, Peachtree and others all do the same thing.
BTY.
This was the only business that sucked me in to giving out my cell phone number to them. I thought this was something that I could make some extra cash at that’s why I gave it to them.
I never use this number for any kind of orders or anything else for that matter. Only my family and close friends have this number (my work doesn’t even have this number)
Guess the “winning in the cash flow business” put a stop to my privacy:(
He got me for $900.00 they wont refund your money! it is a big scam !!!!
Buying notes is a legitamate business.I’m doing it. I’ve heard some bad things about this guy it’s too bad because it really is a great way to earn an income if you do it right. But it takes longer than what they claim.
I don’t know if their system works or not. I bought an intro package, watched a few videos and called for the “mentor” help. Yep there I was and the slick guys up sold me. Forget the handy mentor! It was $3000. I asked for a refund 12 days later. NO REFUND. POLICY. Well over the phone at time of purchase they did not tell me or read to me the terms and conditions that state a 7 day return policy. I battled with my credit card co. for 3 months. I lost. I had no disclosure. They were so busy telling me about the class in Denver, the hotel the mentors and how much some new students made but no terms and conditions. Unfortunately I was not thinking about that, I was really at that moment serious about the venture. I got sick and could not go to Denver, but I did not get sick until after the 7 day return days were up. I called only 12 days after purchase. NO BREAK. For something I was not even told. I bet they keep a lot of people’s money with that ultra short undisclosed return policy!! They do call relentlessly and record. But they did not answer emails and their fax machine did not receive on two different days. I was sick of the phone conversations getting more and more complicated and tried to get something in writing. But they are too sleazy to let you have something to document your case. I never participated in the program and feel thoroughly fleeced. If you want to sell cash flow notes find another way to learn it. The guy is missing integrity. Don’t support him.
Yep the infomercials catch everyone in the middle of the night when they are vulnerable, tired and possibly awake with worries already.
This is a scam. I purchased th kit and I didn’t make any money for 6 months. I tried to get a refund, but they refused to honor my refund. Instead, their telemarketers called me and want to sell me more things from them. This is a scam. Be smart, don’t be stupid, and buy anything from them. I am smart enough to get my money back. I know that 99% of the people couldn’t get their refund back.
im sher glad that i checked into this bull shit scam before i sent the money.cause i would of been madder as shit.people out there beware of scams before you send money out.cause there every where
Here is my story:
I paid “4 easy payments of 39.99″ and still had no success, then I got fed up and said: “Alright, what am I doing wrong? Other people have done it, what are they doing right that I’m not doing?”
So I sat at my desk and filled out a full legal pad page of every number that came up when I googled: “Sell mortgage note” and said to each of the 20+ people I called: “Okay, I’m at the end of my rope, does this business work? If so, what works?” and my tone changed once I found a guy that made $21,000 over the course of 3 deals.
Then 4 months later (8 months after buying the course) I landed my first check for $1,560. Then 1,080, then 1,000.
…and I never paid a penny more than the original 159.96. Now he sells it for MUCH less but it was worth every penny!
I called more note holders today -IN MY SWEAT PANTS!
BOOYA!
Don’t quit. That’s how you fail.
Anybody can do it. You just need to believe in yourself! Listen to Tony Robbins or Brian Tracy Audio books from the library like I did.
READ AND RE-READ the books OVER AND OVER.
Most people don’t retain more than 5% of what they read.
That’s the first thing I did after closing my first deal, I got the books out and read them with a new sense of confidence.
…but if you just believe in yourself, TRULY believe in yourself, it’s as if you have the confidence you would have after your first deal.
I can’t stand reading the criticism above, nobody ever said you would get rich quick. But money can and will continue to be made hand over fist, will you make some of it? That is the question.
I know a guy (as a result of my “fed up phone calls”) that makes more than a million a year at this business as a 1 man operation. ONE MAN! How much could you make if you learned it and trained 100 employees to do each task?
Nobody got ripped off by Russ Dalbey. Most just gave up and pointed the blame elsewhere.
It’s easy to say:
“it doesn’t work”
But it’s too painful of a reality to say:
“I didn’t work it -the right way”
Does this make sense? Am I hitting home? Are you ready to change? Are you ready to take responsibility for YOUR success? Are you ready to look in the mirror and say: “Where I am at is 100% my fault?” and are you ready to ask “How can I fix it?”
…Believe in yourself. That’s all I have left to say:
Believe in yourself!
Andrew Distad
They would have gotten me also. thank God the line was busy. I could not go through to them.I then typed in winning in the cash floe business and started to do my own search. That’s when I found all I needed to know. Do Not Call This Guy.
well i have just got the pogram and im reddy. all that came out of my pockets was the 39.00 to get the program,plus free shiping wich is good.Now im just strting i have a 100% chance that this busness is gonna be successful for my behalf.You have to READ the manuals, call to get help and other information as well. And this program takes time lots of TIME.
Hello,
My name is Dylan. I am a 19 year old college student from Iowa. I purchased Winning in the Cash Flow Buisness about 3 months ago. As far as problems with telemarketers or being charged more than the $39.95, I have had absolutely no issues with this. I am not called more than once a month and that is to see my progress, and the only money I have paid for this was the initial purchase price. I can not, however, say for sure if this system works and is profitable or not because I am skeptical to try it. If anyone HAS had results with this, please email me at dylan.cole1974@yahoo.com and write me about your success. Thank You.