Company Name: Ultimate Revenue Share/ Wealth 4 Life
Summary: This is an investment style multi level marketing scheme promising to pay people a set ROI for media packs. The money gained from new members is used to pay of existing members to keep the whole thing afloat. After looking at the numbers it is clear that to make decent money with this you must re-invest everything you earn for some time.
Price: $0/ media pack purchases
Overall Score: 2.5/10
About Ultimate Revenue Share (URS)
URS was created by Tom Taylor, the owner of a company called ‘Wealth 4 Life’.
Tom and his company have been responsible for a number of similar schemes online, here’s some of the ones I found through my research:
- Mega Cycler Club- defunct
- Ultimate Ads Club- defunct
- Residual Income Ads- www.residualincomeads.com
- Mega 2×7- www.mega2x7.com
In my opinion, these programs are Ponzi schemes, rely on low quality traffic to get referrals and use hype to get people on board. I would definitely not be joining those.
What Is URS?
According to the company website, they run a legitimate advertising platform for third party advertisers. It just so happens to come with a business opportunity.
They claim that they are not an mlm company or an investment opportunity:
That’s a pretty funny statement because when you scroll down you find info on their 2 level multi level referral program.
The website itself uses words like ‘investment’, ‘time to mature’ and ‘shares’ in explaining the business which in itself is a massive contradiction to the above statement.
In fact, the best way I could describe this is an investment style mlm scheme that closely resembles a Ponzi scheme.
How The System Works
The first concept you need to understand is that after you buy a media pack it will ‘mature’ in a certain amount of time according to what pack you have purchased. Each pack pays out a set amount of money upon maturity.
In order to ‘unlock’ more profitable (and longer term) packs requires buying the lower level packs first.
The second main concept to understand is that you do not get all of that money back after it matures. After maturity, your money goes into your ‘ media pack earnings account’ at which time you are free to withdraw.
When I say ‘withdraw’ I do not mean into your actual bank account…
When you withdraw you get 50% of the total withdrawal amount into your ‘cash account’ and the other 50% goes into your ‘re-purchase account’:
You are free to withdraw anything from your cash account at a cap of $120 per day and you can re-invest this same money if you like.
Your re-purchase account balance can only be used to purchase more media packs.
There is a $2000 cap on the amount of new deposits that can be used to purchase media packs and a 300% cap on what you can withdraw based on the total amount of your cash deposits to date.
So if you deposit the max limit of 2k, you’ll only be able to withdraw a total of 6k from your media pack earnings account. The withdrawal cap is the total amount you take out of your media pack earnings account.
They do this to ensure stability of everyone involved and to stop to much money being deposited and withdrawn from the system at once. They primarily rely on new referrals to pay old referrals so they must have this limit to keep up with the amount of new people coming in.
They also have the ‘profit booster’ which is pretty much a panic button if the poop hits the fan. If investor earnings exceed company revenue from new recruits, they reset the system and refund the money people paid for each active pack.
This is a good thing in terms of sustainability but at the same time outlines the inherent risk in such a scheme.
You could be re-investing all of your earnings into more media packs for many months (which is the only way to make a real profit with this) and finally start seeing some good returns when suddenly your profit is stripped away in one foul swoop!
In all fairness though, it is a nice safeguard.
Earnings Example of Investing $100
I was pretty curious to get a picture on what a $100 investment would look like so I created a spreadsheet to run the numbers.
It is important to understand that you must purchase 100 packs on each level in order to buy more advanced packs.
Important Note: This is purely based on my own research and opinion and as such may contain errors. This is not intended to represent actual earnings with this company, always do your own research before making any decisions.
In the above example I spent my re-purchase account money first with each new investment to maximise my cash account at the end.
Follow each line carefully and it will make more sense.
Based on these numbers, a person would have made $222 profit after more than 6 months of starting with $100 and re-investing everything.
This example shows that you would make a total of $28.55 profit after more than 3 months if you do not re-invest any of your cash earnings back into it.
This clearly shows that the only way to make decent money is to invest larger amounts and continue to re-invest everything, which in turn increases your level of risk.
Also, in order to maintain your account you are required to ‘surf’ the advertising platform, much like a traffic exchange. In other words, this will take time and effort so the money you are making in example 2 is pretty rubbish all things considered.
This is not just a passive investment.
You can earn 2 levels deep in your mlm downline as follows:
Level 1- 10% of the ‘cash account’ balance of your direct referrals.
Level 2- 2% commission on the cash account balance of their referrals.
In order to get these referrals you need traffic. To get that traffic you are directed to use their ad packs and other low quality traffic generation methods like traffic exchanges.
In my opinion this is a very big waste of time in comparison to other traffic generation methods.
Is It A Ponzi Scheme?
This appears very much like a Ponzi Scheme. Why?
This is a system of investing a set amount of money to receive a set return in a set amount of time. The investment money they get from members is used to pay off existing members. Textbook Ponzi.
Ponzi’s like this collapse as soon as recruiting slows down since new members are the companies primary revenue source.
What does this mean for you?
You could be midway through an investment cycle and the company pushes the ‘panic button’ since withdrawals are topping new investments. You lose your money- not cool.
What I Liked
- Potential to make some reasonably good money if you invest enough and the whole scheme doesn’t crap itself
What I Didn’t Like
- Tom has a history of launching and closing these kinds of systems and hasn’t built up a very good reputation
- Extremely low $120 daily withdrawal limit from your cash account
- Very risky overall
- Claim not to be something they clearly are- an mlm investment scheme
- Rely primarily on new investors to pay old members
- I do not like traffic exchanges as a means to drive traffic
- If you complain about something- they instantly terminate your account and you lose all of your money
It is possible to make money with this but if you ask me the whole thing is super risky. It requires reasonably high and repeat investments to create a decent income out of.
Given Wealth4Life’s history of launching these kinds of schemes and then dropping them completely, it’s hard to believe URS will stand the test of time. As soon as new people stop joining this, the whole thing collapses.
The bottom line is there are far more profitable, reliable and overall legitimate ways to create an income from home.