An investment scheme, book, seminar, webinar, website, software, trading system, video or other training that promises the public that anyone can become rich in a short period of time by following their “simple and easy system” that is top secret and only known by a select few people. The peddlers of these schemes often have the appearance of validity, can appear widely endorsed, with a compelling image of a lavish lifestyle, working 3 hours a week, while sitting beside the beach in their underpants. Often what is taught is largely pop psychology with very little genuine money, financial and investment advice. Ask anyone who is genuinely successful and they will tell you that success takes hard work and long hours of commitment over a long period of time. Dig a little deeper and you will discover that many of these people use sleazy sales tactics, manipulation, hyperbole, put people down, call people losers, lie about their backgrounds and fabricate entire sections of their lives. Some of the most popular speakers and authors are the most guilty.