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You finally decided that you want to try online money-making. When you search the internet on opportunities, you found that there are a lot: Freelancing, Pay-to-Click, Autosurfs, Matrices, Cyclers, MLM, and much more. You will come across sites that tell you that there are scams. On top of that, you need to have one now. It’s either your current job is being threatened or you just lose your job and it’s hard to find a new job nowadays. Which of those types of programs will you choose?

When I started earning online, I came across the same question: Which online money-making program is right for me? I’ve been doing this since September 2008 while I work full time. Up to now, I’m trying out new things. I thought that I need to do the easiest thing so it won’t conflict with my time at work and family, and at the same time, earn some bucks. So I learned to consider the effort, earning potential, risks and how much money I need to invest (Yes, there’s money involved too that you may need to take out of your pocket. I thought before that I will only join programs that will have zero investments). 

This post will compare the types of programs that I have joined so it can help you as a newbie to online money-making or even as someone who has been doing this for months. I have assessed these based on my experience and aligned to what I want. Yours may be different but somehow this can help you decide. But before that, let’s examine again these programs:

Auto/Manual Surf – this is a type of program where you are required to surf a number of sites, either manually or automatic, and each with a specified interval of time. You need to take out money from your pocket to buy advertisement packs. In return, you will earn a percentage of the money you invested. You will earn further if you have referrals. A percentage of the money they invested will go to you.

Pay-to-Click – this is a type of program that let you earn by clicking an advertisement in a specified number of seconds. You will earn further if you have referrals that will do the same thing as you do.

Matrix – this is a type of program that let you earn by paying an amount, getting down lines and earning from commissions. You won’t earn here if you don’t have a number of down lines that will at least cover up what you have paid.

Cycler – this is a type of program where you purchase positions/spots in a specified price. By doing so your spot will be positioned in a queue or line where you see other members’ position before you bought your spot. Each time a member buys spots, each spot is being pushed in front of the queue and the spot that will cycle or pushed out of the queue will earn and receive payout. This program is primarily controlled by members’ teamwork and participation. There is no specified time that your spot will cycle out.

Get-Paid-To – you earn in this type of program by doing something like reading e-mails, searching the net, giving your opinions, playing a game and much more.

Now, let’s compare based on effort, risk, earning potential and investment requirement

Of all the programs I have come into, the lowest earning potential is with GPTs. Most of them let you earn peanuts very slowly. So why bother? This can let you earn in due time. It’s not fast but it will. Meanwhile, matrices offer a high earning potential followed by surfs. You have seen how often I get paid with these programs. In PTCs, you can earn a lot more if you have lots of referrals, but it will depend if they are active or lazy to click. You can join in lots of PTCs but be careful as lots of them are scamming people.

Matrices offer you the highest effort needed. Why? You need to market the program and convince people. Otherwise, you won’t earn at all after investing some money. The easiest thing to do to earn is to click and just watch. The effort required will determine how much time you need to devote in order to earn.

This is the scariest thing of all. All the programs have a high risk. And of all these, surfs and PTCs are the scariest of them all. That is the reason why I always remind readers on the risk and read the Disclaimer.

Sometimes, you need money to earn money. The best that I experienced so far is with matrices. In 10K Matrix, for example, I just paid for $10.75 for monthly fee and $4.95 for the coop advertising and I earned more than double in the first month. Meanwhile, you can have zero money investment in GPTs but the earning potential is also low.

In order to earn online, you cannot just sit back and wait. You need to do something. It can be a lot of effort and money to invest. But one thing is for sure: You can earn online. To concentrate in one type of program is up to you. But remember to diversify and not to put all your eggs in one basket. I’m still in exploring mode and what type of program I will keep in the future is still to be seen.

In the future, I may post another one like this with updated information. Why? Good programs are emerging with a great model to minimize risks and at the same time, earn a good income. Competition between these programs are tight and to keep members stay and happy are the goals of good admins. And yes, there are good and honest admins out there who will not scam people. All the programs I have right now are paying and managed by admins that are good and honest.

Have you finally decided to earn online? Take your pick in the type of programs I have here and remember to research before joining. I hope the information here helps a little. Below are my highly recommended programs: