Using infomercials and skilled sales strategies online, Russ Dalbey and his ANN or the America’s Note Network have been making money by selling a program that teaches you how to locate financial notes, notes which come from convincing people who currently have be receiving monthly remittances from either lawsuits or lotteries. The goal behind this is to convince these people to exchange their installments for a lump sum amount that you have figured before hand. Next, you will go and post these notes on your website with the intention of reselling the bulk amounts to those persons who express an interest in long-term investments at marginally higher rates. You as the provider make a profit from the difference between the original amount and that of the higher rated prices.

Theoretically, everyone wins in this scenario; each party involved in this process will make a profit. First, the original person that you sought out receives a lump sum amount rather than waiting years for each smaller monthly installment. Next, the buyer has to deal with slightly higher costs yet these amounts are lesser in overall price than any future payments. Finally, you serving as a “middle man” in this process get your cut from the difference.

Dalbey’s system consists of a package of management materials and a newsletter subscription, each of which he sells to you for around $350 total. But this isn’t all. Per his instructions, you will need to buy additional materials that are designed to facilitate the development process of your business. Dalbey offers nothing for free, including any sort of support or customer care. This and other factors have led many to question and criticize Dalbey’s whole operation and raise some questions regarding its legitimacy.

Examples begin to crop up more and more as you investigate Dalbey’s business. Offers to create the websites from which you as an affiliate will direct your financial note services from can be doubt the normal costs of setting up a website any other way. Dalbey’s trained salespersons do everything in their power to convince and educate you of the absolutely necessity of having the right management materials as well as any other additional materials they  recommend and will can be relentless until they get what they want. The whole process is to convince you to spend more money rather than make any.

Russ Dalbey’s materials are really worthless. Russ’s premier course, Winning in the Cash Flow Business and America's Note Network is shallow and ultimately worthless. Again, it becomes clearer as you examine the situation that the only purpose Dalbey’s program service is making Russ Dalbey more money. Period.