I read about 8 pages of his sales pitch (or 'copy as it is known in the trade - sounds like I know what I'm talking about), with substantial discounts and "one-time-only" offers. All scientifically proven by a series of testimonials! Great spin but where was the substance. Ahh! If only I supply my details I get the secrets to his success. God I'm a sucker and there goes my Email again! Anyway what harm can it do?

So I started looking into the do-it-yourself loan modification kits. Having been in the business for so many years, I was skeptical about any system that tells you to risk $300,000 or more without help.

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All goes well for a while, then low and behold, within minutes of his the second video, you get the first glitch - the website he shows has a different interface as it is an updated version. I go to bed dejected!

My final episode was yet another advertised 'link' but this time something a little different. Videos showing step by step instructions directed solely at beginners, to set up an affiliate related business. Ah, the 'affiliate' programs.

A zipped folder of all the forms you need in word, txt and excel formats. These forms work on Mac's or PC's. You can print them as many times as necessary. If you make a mistake, don't white it out, just print a new form.

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