Menu
Apply Knowledge Institute
Apply Knowledge Institute Customer Service Phone, Email, Contacts

Apply Knowledge Institute
reviews & complaints

old.applyki.com
old.applyki.com

Learn how the rating is calculated

4.2 18 Reviews

Apply Knowledge Institute Complaints Summary

14 Resolved
4 Unresolved
Our verdict: You can expect a very good level of service from Apply Knowledge Institute. To navigate their system effectively, thoroughly understand their service scope. Check online forums and review sites for others' experiences. When contacting customer service, clear and concise communication can help resolve your issues faster.
Verified
The authenticity of the customer service contact information for Apply Knowledge Institute has been meticulously verified by representatives from ComplaintsBoard using our proprietary verification system.
Get notifications about new complaints and reviews of Apply Knowledge Institute. We promise not to send you any unrelated messages.
Share
Claim Your Business
Take control of your profile: address complaints and engage with reviews
Write a review File a complaint

Apply Knowledge Institute reviews & complaints 18

Sort by:

Newest Apply Knowledge Institute reviews & complaints

ComplaintsBoard
J
10:04 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Apply Knowledge Institute Defrauded

Like the rest of the complaints against APPLYKi.com, I was taken for $6, 000. They would make me an internet success. Their "niche" is that they know what sells and what dosen't. They were suppose to find me a product, build me a web-site and provide 1 year of coaching. The coaching would never call and always tried to reschedule. This has not happened. I initially spoke to Mara Walker. I agree with everyone else--THEY ARE THIEVES. To make matters worse, Master Card and Discover card
initally guaranteed me that if they did not deliver-- the charge can be disputed. The charge was initally reversed but after a month or two was reposted. Now they can 't help me anymore. They won't tell me why the charge was re-posted. So I am screwed.
I have contacted my lawyer, the Federal Trade Commission, the Louisiana Attorney General's office, the BBB and the Louisiana
State Attorney's office. I am retired and can't afford to loose this money to THIEVES AND CROOKS. I will sue all involved.
We will see. Check out things before you lay down money.

Read full review of Apply Knowledge Institute
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
R
6:43 pm EST

Apply Knowledge Institute Very Excessive over-charging for the receipt of nothing of very minute value

I was induced and coerced to pay for services by credit card on the pretense that any cost and interest that I would incur would be negligible, as the profit from the newly created web site would be able to repay money paid in excess of $8, 000, within the 40 days or so of credit allowed each month on a credit card. Not only has this not happened but NOT ONE RED CENT has been paid into my account since the beginning, but rather I have been locked into paying a monthly rate for a web site with I don't even own but only have access through Applyki. I have not obtained the HTML code and on any event, any tuition I have received would have been covered by the monthly charges that I was not even informed about. I have not complained before this time, with the faint hope that something would have eventuated, but now demand ALL MONIES PAID BY ME BE RETURNED IN FULL.

Read full review of Apply Knowledge Institute and 7 comments
Hide full review
7 comments
Add a comment
T
T
tyc
West Jordan, US
Dec 28, 2012 5:22 pm EST

IF you have a complaint get on board with this case! APPLY IS FINALLY GOING DOWN!

http://www.ilnd.uscourts.gov/Recently%20File%20cases/12cv9663.pdf

T
T
tyc
West Jordan, US
Dec 28, 2012 5:20 pm EST

http://www.ilnd.uscourts.gov/Recently%20File%20cases/12cv9663.pdf

SCAMMERS THEY FINALLY GOT CAUGHT

I
I
I am Fighting Mad
Mobile, US
Feb 15, 2012 5:20 pm EST

Thanks for all the great info on these guys. I am working on my own complaint right now, and this has saved me a lot of research. I'm sorry for your loss, and hope you can get your money back. I plan on fighting until I do!

M
M
mrs.scamvictim
Vancouver, US
Feb 09, 2012 12:05 pm EST

If you feel you've been the victim of a scam by these TELEMARKETER OUTFITS - you can also contact the UTAH DIVISION OF CONSUMER PROTECTION.

http://www.dcp.utah.gov/complaints/manual.html

Per the Utah Division of Consumer Protection Website -
Among the TOP TEN CONSUMER COMPLAINTS -
*COACHING SERVICES* IS NUMBER 2 ON THEIR LIST!

http://www.dcp.utah.gov/scams/topten.html

2) *COACHING SERVICES*:
When a consumer purchases a business opportunity, it is not uncommon for the seller or one of its associates to follow up and offer the purchaser coaching services to make the business opportunity more profitable. These services tend to cost many thousands of dollars more than the purchase of the original business opportunity. Some of the deceptive practices common to this type of complaint are the MISREPRESENTATION OF POTENTIAL EARNINGS AND THE QUALIFICATIONS OR EXPERIENCE OF THEIR COACHES. THEY OFTEN ENCOURAGE CONSUMERS TO CONTRACT FOR SERVICES THAT THE COMSUMERS CANNOT BENEFIT FROM.

Don't believe that APPLY KNOWLEDGE INSTITUTE AND ADVANCED LEARNING SYSTEMS ARE *TELEMARKETERS*?!

http://consumerprotection.utah.gov/consumerinfo/lists.html

(ALL Utah TELEMARKETERS must be registered with the State)
Registered Telemarketers:

NAME: ADVANCED LEARNING SYSTEMS LLC
ADDRESS: 1510 N TECHNOLOGY WAY BLDG D STE 1100
OREM UT 84097
PHONE: [protected]
EXPIRATION DATE: 13-MAY-12
LICENSE # 7719209-TLM0

APPLY KNOWLEDGE LLC 1411 W 1250 S STE 101
OREM UT [protected]
EXP: 30-MAR-12
LICENSE # 8127472-TLM0

Watch for THE COACHING DEPARTMENT to "apply for a telemarketing license"!
1411 W BUSINESS PARK DRIVE, SUITE 101
OREM, UTAH 84058
[protected] ... oh my ... isn't THAT the SAME PHONE NUMBER as APPLY KNOWLEDGE INSTITUTE aka the now defunct eVERTEX SOLUTIONS?!

www.applyki.com
www.advlearning.com
www.thecoachingdepartment.com

M
M
mrs.scamvictim
Vancouver, US
Feb 04, 2012 12:55 pm EST

THIS IS LONG BUT PLEASE READ BEFORE DEALING WITH *ANYONE* CLAIMING TO HELP YOU START-UP YOUR OWN BUSINESS, SELLING PRODUCTS ONLINE!

FROM THE FEDERAL TRADE COMMISSION - BUREAU OF CONSUMER PROTECTION WEBSITE

"STARTING AN INTERNET BUSINESS: DREAM JOB OR PIPE DREAM?"

Starting an Internet business can sound like a dream: work from home, set your own hours, be your own boss. But most Internet Start-ups require significant investments of time and money, and many of them fail. If you're considering buying an Internet business opportunity, know that the promise of big earnings and ideal work conditions is A PIPE DREAM FOR MOST. Regardless of the handful of stories you've read about college-age entrepreneurs turning into Internet gazillionaires, there's no such thing as a sure thing.

You may encounter pitches like "Start your own Internet business;" "No experience required;" "EXPERTS AVAILABLE TO COACH YOU"(on a one on one basis) ... in a variety of places ... on the Web and in e-mail offers, infomercials, classified ads, fliers, texts, telephone pitches, seminars, and direct-mail offers. The Federal Trade Commission (FTC), the nation's consumer protection agency, says that MANY OF THESE SOLICITATIONS ARE SCAMS that promise more than they can possibly deliver. Often, bogus Internet opportunity sales pitches are short on details and long on high-pressure tactics to persuade you to buy before you've investigated the offer.

SHORT ON DETAILS
An Internet business is just like any business – it requires a solid business plan. Anyone who sells legitimate business opportunities should give you detailed information. Be skeptical of a seller who offers vague descriptions of what the business is and how it will work. Sit down and ask yourself some critical questions, like:
• What would you be selling or doing?
• How and why shoppers would find and use your website?
• How would the business generate income and what are your specific expenses?
ANSWER THESE QUESTIONS BEFORE YOU PAY ANY *PROMOTER* THE PRICE OF "ADMISSION" TO A BUSINESS (or *so called* "Institute or "Learning" program)!

Some sellers claim you don't need to understand the details of the business because "it's the Internet" or because their EXPERT COACHES AND SUPPORT STAFF WILL "TAKE CARE OF EVERYTHING FOR YOU". The Internet is not a magic place for business owners: an Internet business success requires the same solid planning and hard work as in any other venture. It's your business and your reputation; you can't afford to be in the dark about key details.

LONG ON PRESSURE
SCAMMERS TRY TO CREATE THE IMPRESSION THAT IF YOU DON'T BUY IMMEDIATELY, YOU'RE GOING TO MISS OUT ON A VALUABLE OPPORTUNITY. THEY EMPHASIZE THE NEED TO ACT FAST AND MAY SUGGEST THAT OTHER BUYERS ARE READY TO TAKE YOUR PLACE IF YOU HESITATE OR ASK QUESTIONS. They want to persuade you to give up your credit card or bank account information before you've had time to research their claims or other people's experiences with the company. THE SCAMMERS KNOW THAT IF YOU DO EVEN A LITTLE RESEARCH, YOU'RE LIKELY TO FIND REPORTS OF RIP-OFFS. In fact, a quick Internet search often is enough to reveal alarming complaints. Legitimate business opportunities don't need to use high-pressure sales tactics: if an offer is good today, it should be good tomorrow.

As part of their sales pitch, scammers often hype a "no risk" refund policy to encourage you to buy an opportunity before you've researched it. Here's a tip: don't rely on a refund policy or a money-back guarantee because you have "nothing to lose." No matter the guarantee, SCAMMERS WILL MAKE IT VIRTUALLY IMPOSSIBLE FOR YOU TO GET YOUR MONEY BACK!

BEFORE YOU BUY ANY BUSINESS OPPORTUNITY:
• Consider the promotion carefully.
• Study any disclosure documents. Under the Business Opportunity Rule, which is enforced by the FTC, many business opportunity promoters are required to provide a document to potential purchasers that includes information about the opportunity.
• Interview previous buyers in person. This helps reduce the chance of being misled by phony references.
• Do a few Internet searches by entering the company name, or the name of the company's CEO or president, and words like “COMPLAINTS" OR "SCAMS.”

Contact the State Attorney General's Office, Local Consumer Protection Agency, and Better Business Bureau, both where the business opportunity promoter is based and where you live, to see if complaints are on file. While a complaint record may indicate questionable business practices, A LACK OF COMPLAINTS DOESN'T NECESSARILY MEAN THE COMPANY – or the opportunity – IS LEGITIMATE. UNSCRUPULOUS DEALERS OFTEN CHANGE NAMES AND LOCATIONS TO HIDE A HISTORY OF COMPLAINTS.

• Consult an attorney, accountant, or other business advisor before you put any money down or sign any papers. Entering into a business opportunity can be costly, so it's best to have an expert check out the contract first.

REPORT POSSIBLE FRAUD
If you suspect a business opportunity promotion is fraudulent, report it to the Attorney General's Office in the state where you live and in the state where the business opportunity promoter is based.

You should also report it to the FTC. File a complaint online at ftc.gov or call toll free 1-877-FTC-HELP [protected]).

IF YOU HAVE A COMPLAINT
The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them.

To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP [protected]); TTY: [protected].

Watch a video, How to File a Complaint, at ftc.gov/video to learn more.

The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

March 2011

M
M
mrs.scamvictim
Vancouver, US
Jan 29, 2012 12:05 pm EST

APPLY KNOWLEDGE INSTITUTE IS ALSO KNOWN AS ADVANCED LEARNING SYSTEMS AND THE COACHING DEPARTMENT AND HEAVEN ONLY KNOWS WHAT OTHER NAMES! (sorry for the all CAPS!)

A
A
AmyRs41
pissawakkapee, US
Jan 12, 2012 7:00 pm EST

nope - ain't gonna happen
you were just scammed

remember: if it was paying off so damn good - WHY WOULD ANYONE SELL TO STRANGERS this fantastic $$ maker?!
answer: to get YOUR $$

ComplaintsBoard
G
5:55 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Apply Knowledge Institute scam and misleading

Want to let you know that Apply Knowledge Institute and their associates have scammed me out of $3, 000.00. They promise you grant money that is available to you and you would also receive grant money within 30-45 days. This company misleads you into this program and other programs they offer. You talk to so many different people. I have contacted applyki.com and requested a refund but still no answer. I have the contract that they sent and wanted me to sign, but I didn't sign it. When I talked to a man named David Sellers, he wanted me to sign it and return it back with a notice of cancellation. I will not sign it . This probably another way for them to say that I signed and agreed to the contract. So beware of this company. They also go by many company names. Kevin Sonnenberg is the president and CEO but never talked to him.

Read full review of Apply Knowledge Institute
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review

Is Apply Knowledge Institute legit?

Our verdict: Apply Knowledge Institute has achieved a rare feat of perfection in legitimacy, as per the rigorous analysis conducted by Complaints Board. This achievement underscores Apply Knowledge Institute's position as a benchmark of trust and quality within its industry. Users and clients of Apply Knowledge Institute can engage with its offerings, confident in the knowledge that they are dealing with a top-tier, fully legitimized company.

Apply Knowledge Institute earns 92% level of Trustworthiness

Perfect Trust Endorsement: Apply Knowledge Institute achives 92% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

By resolving 77% of 18 negative reviews, Apply Knowledge Institute is demonstrating its dedication to customer satisfaction and effectively addressing customer issues. While there may still be some practical problems that need to be addressed, such as long wait times or unhelpful responses.

The age of Apply Knowledge Institute's domain suggests that they have had sufficient time to establish a reputation as a reliable source of information and services. This can provide reassurance to potential customers seeking quality products or services.

However ComplaintsBoard has detected that:

  • There was some difficulty in evaluating or examining the information or data present on the old.applyki.com. This could be due to technical issues, limited access, or website may be temporarily down for maintenance or experiencing technical difficulties.
  • The presence of an iframe in old.applyki.com, iframes can be used to embed malicious content, such as phishing pages or ads that contain malware, so it's important to be cautious when interacting with websites that use iframes.
  • Old.applyki.com has relatively low traffic compared to other websites, it could be due to a niche focus, but could also indicate a potential lack of traffic and popularity. The old.applyki.com may offer a niche product or service that is only of interest to a smaller audience.
  • Apply Knowledge Institute protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
ComplaintsBoard
W
12:11 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Apply Knowledge Institute Not delivering what they promised

This company contacted me and charged me a sum of $5200 to make me an instant success in an internet based business selling goods. They promised to make back my money in the first 30-35 days, this has not happened. Six months later and I have not even recovered 1/5 of the money I paid out. They are thieves. I have complained to numerous people in the organisation and have never in my life been treated so poorly. The person that you speak to does not listen to you they talk over you and engage in personal insults. These people knowingly steal money from unsuspecting people, they promise to teach you how to make money on the internet and do not deliver this.

Read full review of Apply Knowledge Institute
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
S
12:00 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Apply Knowledge Institute Misleading Sales Techniques

Wow - add another name to their other aliases, Fortune Learning Systems, ICI Success, Ivy Capital. All one and the same. Beware of them because they are very skilled salesmen who talk a good game but don't deliver. Evidently, they have different prices for different people based on your available credit. Don't be taken like I was. Run - don't walk - away from any of the above mentioned names. They are only interested in your money. They tell you they want you to be their "Success Story" but believe me, they really don't care at all. Otherwise, why would there be so many complaints about them on the Complaints Board. Do Not Believe Them. They will just get your money like they got mine.

Read full review of Apply Knowledge Institute
Hide full review
ComplaintsBoard
P
4:47 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Apply Knowledge Institute Coaching/Website Design

They advertise as an educational course to teach how to set up a web site, acquire products for your website, and market the website with coaching once a week. Ha! The coaching is almost non-existent. And the website is a template that is out of date with multiple errors in it. I have found out $12, 500 later that Google won't even pick up the website because they have sold so many of the same damaged template. And I thought I checked them out first. Now I am finding all of these complaints showing up just like mine. I never thought I would fall for a scam.

Read full review of Apply Knowledge Institute
Hide full review
ComplaintsBoard
S
9:59 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Apply Knowledge Institute Scam

My neighbor who is a senior citizen was scammed by applyki.com . After she asked me to help her fill out a government grant form, I thought.. Uhm, aren’t these forms free to fill out online? I was shocked to learn they charged her credit card 3000.00 to fill out free forms on the internet! I looked into their so called physical address in Utah and the address belongs to “Silverado Developement Inc”. Which claims to make 1.5 million -2.5 million a year!
Please everyone, whenever you are approached online, always look into a company’s physical address. Then search the company online for fraud complaints. Never give your credit card information to a person or company you do not know! I contacted the FTC and IC3 to report them. You can also call your states attorney general. I was told by the FTC, the more complaints a company gets, the more likely they will investigate the claim. If you do not report, the company will continue to scam people.
If something sounds too good to be true, it is!

Read full review of Apply Knowledge Institute
View 0 more photos
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
P
12:12 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

Apply Knowledge Institute Blatant mischarge

I answered an advertisement lodged by Applyki which gave sketchy detail of how I could set up a Home based business, but requested that I pay an ammount of $A3.52, by supply of my credit card details. I authorised this ammount to be paid and the recipient company(presumably applyki) used the details that I had provided to charge my account for an additional $A70.53. Further to this I was subsequently called by a phone sales person based in Idaho, supposedly assessing me for a Home based position, but the full thrust of her questioning was how much money I had available to invest with them and what further liquid funds I could access to make available.BE WARNED under no circumstances have dealings with this organization and NEVER give them access to any accounts you may hold Regards Philip Hayman

Read full review of Apply Knowledge Institute
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
W
7:43 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute READ FIRST BEFORE SPENDING $$$

READ FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

Read full review of Apply Knowledge Institute and 4 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
4 comments
Add a comment
B
B
boomerdog428
Las Vegas, US
May 08, 2012 4:56 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I was ripped off by these crooks also. Why is there not some class action lawsuits against these clowns.
Lets all get together and sue these ###s for fraud.

S
S
Sam Lough
webster springs, US
Dec 19, 2010 10:11 am EST

I too was ripped off by APPLY KNOWLEDGE INSTITUTE, They got me for about &6, 500.00.

Please do not give them any more money.

BIG RIPP OFF...

D
D
DD Vancouver Wa
, US
Aug 24, 2010 7:14 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I too was ripped off by these guys. I fell for the phoney BBB rating and have seriously regretted it every since. When they could not work with my work schedule for "coaching" appontments I asked for my money back with in the 30 days they kept putting me off . They are not available if you work. Only available 8am to 6 pm M-F. Now they tell me they are only an agent for a company out of the Phillapines and I have to call the Phillapines to lodge my complaint. Of coarse the number they gave me is a recording and no one ever returns the call. If anyone has successfully recieved a refund or even been able to find the parent company to lodge a complaint please post that info. Thank You D.D. Vancouver Wa

H
H
harrisman
Waterloo, US
Jun 25, 2010 1:20 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Ha ha Ha, I am one who also heard the sales pitch. Yet I took advantage of the offer, and now work from home, and the lord has blessed me with a great website and e commerce business which I love doing. I hate to shoot you out of the water but, You Are Wrong! I am curious though as to why you would have taken the time to record and then type all of this when you state that you hung up on the salesman who wanted to offer you this opportunity. You want to give your advice to the world yet you have none worth giving when it comes to Apply Knowledge Institute. I do have advise to give and it would be if your going to start a business of any type, do alot of research and give it your all. And don't waste your time listening to the haters like this guy.Ha ha Ha

ComplaintsBoard
I
7:56 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Highly Professional Scam Artists

I want to apologise in advance for this long compliant but I want everyone to understand how this outfit works so they are armed and ready for them, if ever they are unfortunate enough to run into them.
I am trying to find other people out there that feel they may have been mislead by the marketing and promotional tactics imploded within the many interfaces of Applied Knowledge Institute such as eVertex Solutions, LJW Corporation, My Financial Software My Business Kit to name the ones my research has thrown up.
They appear to have a very professional system set up whereby a reassuring, polite and what comes across as a very concerned staff member contacts you and arranges a telephone appointment which they are very insistent that your partner attends with you. BUT NOTE: they will not tell you who the company actually are in advance so you do not have time, are presence of mind to research them first. Instead they quote we are an Accredited Business with the Better Business Bureau and this means their credentials are second to none.
They very skilfully ply you with the suggestion that they know by talking to you, and how you have answered key questions that you are hard working people who want to do well by their family and are just the sort of people that meet with their company profile and ethics. They leave you with the suggestion that not everyone is chosen and it is a very stringently regulated process, but if you are asked to come aboard they will provide with an opportunity to sort out your financial issues, provide your family with financial security and a residual income.
For all of that they simply ask that you be willing to allow them to use your success story to show others, and further claim to back all of this up with a personal assurance that if you do everything that is requested of you and you are not in profit by the end of their course they will stay with you until you are so what do you have to lose.
When you are desperate to find work and a means to care for your family and someone appears to offer you a life line your mind is not always in a place where it analysis’s everything clearly. I am ashamed to say that myself and my husband where sucked in. Instead of taking the adage that if something sounds to good to be true it usually is, we focused on the reassurance of a person called Jeff Nielson. He maintained that we would have his personal backing and he would follow our progress and if any issues ever arose he would be only to happy to help.
We told him that we were already financially strapped and had used all our savings over the last year to keep afloat he continued with his pitch that we could use the system that he called leverage by using what credit facilities we had left to join Applied Knowledge Institute.
They would then get us get off to a flying start, with their $200 dollars a day programme so that we would very quickly be back in profit. He also stated that when it came time to start paying the credit card bills he would help us transfer it unto a credit card that offered interest free payments and that was affiliated to him so it wouldn’t be a problem he give us the web address for this as proof that it was a real business. He then pasted us over to credit control I believe his name was Justin and he would go over the contract with us. Justin told me that this part of the process was going to be recorded, ( I really hope it was) as during that process I voiced my concerns about being sure the credit card thing was real etc he said he didn’t know anything about that but he would pass me back to Mr Neilson for confirmation after he had completed our call. Mr Neilson did not come to the phone after I had signed up...
I am now in my 3rd week of a 16 week programme with Applied Knowledge Institute and I honestly just want my money back everything I have learnt so far I could have picked up watching blogs about ebay on uTube.
I am from Northern Ireland and have discovered very quickly that drop shippers do not want to ship for me due to the legalities of being within the United Kingdom but not part of the mainland. When I say anything to my coach he says I am not trying and to search the internet to find ones that will. He then gives me my homework watch these webinars and write down a list of things you want to market etc. In my opinion its a complete defence tactic to make it seem likes it me not wanting to follow the programme so they can then claim I didn’t follow their instructions and that’s why I didn’t succeed.
We paid for this service with our credit cards, money we did not have, we went for the full package and paid over £12, 600 over $15, 500 dollars as a last ditch effort to save our home and our family.
I now spend my days in tears neither of us are sleeping and I am worried to the point that I think it might be best for my family if I was dead because at least the insurance cover would pay the mortgage as long as it looked like an accident.
If anyone can show me a way to get my money back then please contact me at this email address - [protected]@btinternet.com

Note The strangest thing has just happened i filed this same report on another website as I want as many people as possible to know what is going on here and I got a call from a guy who says his name was Biune from Apply knowledge Institute and he wanted to know if everything was going ok when I responded that it wasn’t all of a sudden the call ended...

Read full review of Apply Knowledge Institute and 10 comments
Update by Irene44
Jul 14, 2010 9:42 am EDT

As I never actually spoke to these people who I was suposed to have a website with are actually had any direct contact with them it was arranged by Applied Knowledge Institute I would have expected them to make sure that money was also refunded.
Perhaps Applied Knowledge Institute would like to address this matter in good faith and organise the refund

Regards

Irene Steenson

Update by Irene44
Jul 02, 2010 9:58 am EDT

I am one of the people who posted a compliant against the way in which I was sold Applied Knowledges product/services.
I have now been refunded nearly all of my money. I am still waiting for the £49.99 of it to be returned to my credit card as I was told it would be a complete refund. Hopefully someone will read this and that will be promtly refunded as well.

Please be clear I have not used a false name address are anything else.

My issues have largely been addressed with the aid of the consumer credit council in Utan, for which i am very grateful.

Aside from all that my advice for anyone entering into anything like this online is to be careful check everything and do not be rushed that way hopefully issues will not arise.

Regards

Irene Steenson

Hide full review
10 comments
Add a comment
B
B
Barb S
Rifle, US
Dec 15, 2011 3:53 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I agree totally - these people are scam artists. I was scammed out of $32, 000.00, my credit has been ruined, the credit card companies will not refund the money because I signed a contract - which I received nothing for. I wanted to be able to work from home, but that was a big joke. My coach was rude and told me I had to work harder to find something to sell that was not already glutting the market. That was a big joke and I should never have signed anything. I was blamed for signing the contracts when I wanted out. They said because I did not cancel within the 3 days that there was nothing that I could do, this was also said by the subsidiaries that basically forced me into buying their products which I received nothing for. I have been unemployed now for 2 years, my credit is ruined, I may lose my home and at times I have been suicidal. Thank you for listening

N
N
Nancy McMahon
Corona, US
Dec 14, 2011 10:52 pm EST
Verified customer This comment was posted by a verified customer. Learn more

The red flag for me was the attitude of the coaching department's insistance about purchasing an e-book from eBay and then reselling it. I tried pulling up the book and couldn't. When I questioned him about selling an inanimate object his replay was, "I don't care if you can read it, just sell it - I've done it a thousand times" . I was only with them for 2 sessions and was so frustrated I decided to seek out what kind of clowns these were. First, I cannot find a listing under the BBB. I tried Applyki.com, Your eCommerce Support and even the Coaching Department. Nothing. I then went to the Secretary of State of Utah for a business license. Nothing. I then mapped their address and it seems they have a store front post office. I finally decided to go online and so all these scams they are pulling.

I immediately called my credit card company and they are going to dispute the fee they charged me. Since it was only 2 weeks, I am hoping they have luck. I also blocked them from my account. Who knows what these clowns will do. I then sent them by email (they have many) and told them they are running a sham and that I wanted out of the program and sent them a certified letter.

Thank you for the information onf Utah Consumer Protection Agency and the FTC. I'll be contacting them next.

C
C
Chris Malta
, US
Mar 30, 2011 2:25 am EDT

WATCH THIS VIDEO!

http://www.youtube.com/watch?v=vOWOl6q7FxQ&feature=player_embedded#at=183

D
D
Danvelyn
Corpus Christi, US
Nov 25, 2010 2:41 pm EST
Verified customer This comment was posted by a verified customer. Learn more

The amount that was charged to me is still under investigation. I'm waiting, in the mean time I keep getting calls from so-called "coaching staff" and was once on the phone for a long period of time and there was no getting out or ending the conversation without agreeing to put the matter on hold until I call to say "I'm ready" (the caller's words). I am highly stressed out.

B
B
Barb S
Rifle, US
Nov 24, 2010 9:25 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Apply Knowledge is a total scam - I was taken for so much money that I may have to take out bankruptcy. They do not help you. The coach that I had was always rude and short with me. I always left his so-called lessons or coaching sessions very mixed up and more and more depressed. I now don't know what I am going to do. It is a total scam and they should be brought to task for what they are doing to innocent people.

D
D
Danvelyn
Corpus Christi, US
Nov 24, 2010 5:43 pm EST
Verified customer This comment was posted by a verified customer. Learn more

Apply Knowledge Institute called me saying that since I agreed that I cannot get out of the program even when I changed my mind after discovering that others had similar experiences -- feeling of being scammed? They claim that they have an A rating from the Better Business Bureau. Nonetheless, I changed my mind, but they are not willing to give me refund.

D
D
Danvelyn
Corpus Christi, US
Nov 24, 2010 5:38 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I agreed to the coaching program, but later changed my mind because I could not afford charges on my credit card. I begged to cancel, but they insisted that I stay with it. I alerted my credit card company before Apply Knowledge Institute could post the amount, but was told that Amex could only dispute the amount after it is posted. When it was posted I disputed it, and is now under investigation. I just want out because I read a lot of complaints that this was a scam operation. AKI will not let me cancel out from the program. What can I do to get my money back?

B
B
Barb S
Rifle, US
Oct 21, 2010 12:19 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I have been scammed out of approximately $32, 000.00 from Applyki.com and their associates which names are too many. I am an unemployed older person close to losing my home. Now I am going to have to take out bankruptcy to get out from under what has happened. These people call and say that they are affiliated with applyki and you must sign up for such and such and all of a sudden you are where you can't find your way out. Please stay away from these people - it is all a scam! - Barbara S.

H
H
harrisman
Waterloo, US
Jun 25, 2010 1:08 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

You have got to be kidding me ! You are talking of taking your own life because of financial hardship? and you spent the time to write this long winded complaint instead of grabbing your notebook and educating yourself with the huge knowledge base you have at your disposal with Apply Knowledge Institute. I have also invested a large amount of money with Apply as you have, the difference is, I also invested alot of time and hard work and now have an E commerce business and learned to build and manage websites. You are writing your comment in week three of the program, WEEK THREE !?! You need help with your emotional problems and should have gotten right in the head before starting any business. By week three you have given up ? Your time would be better spent doing your research and learning all you can while you have the chance and stop wasting your time with worry and self pity. The issue of your place of residence is something a good business person takes in stride, (overcome it) they will teach you how at apply. My life is better than ever and I owe it all to Apply KI.

W
W
walter6969
fort worth, US
Jun 01, 2010 7:40 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

ComplaintsBoard
I
10:55 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Clever Scam

I want to apologise in advance for this long compliant but I want everyone to understand how this outfit works so they are armed and ready for them, if ever they are unfortunate enough to run into them.
I am trying to find other people out there that feel they may have been mislead by the marketing and promotional tactics imploded within the many interfaces of Applied Knowledge Institute such as eVertex Solutions, LJW Corporation, My Financial Software My Business Kit to name the ones my research has thrown up.
They appear to have a very professional system set up whereby a reassuring, polite and what comes across as a very concerned staff member contacts you and arranges a telephone appointment which they are very insistent that your partner attends with you. BUT NOTE: they will not tell you who the company actually are in advance so you do not have time, are presence of mind to research them first. Instead they quote we are an Accredited Business with the Better Business Bureau and this means their credentials are second to none.
They very skilfully ply you with the suggestion that they know by talking to you, and how you have answered key questions that you are hard working people who want to do well by their family and are just the sort of people that meet with their company profile and ethics. They leave you with the suggestion that not everyone is chosen and it is a very stringently regulated process, but if you are asked to come aboard they will provide with an opportunity to sort out your financial issues, provide your family with financial security and a residual income.
For all of that they simply ask that you be willing to allow them to use your success story to show others, and further claim to back all of this up with a personal assurance that if you do everything that is requested of you and you are not in profit by the end of their course they will stay with you until you are so what do you have to lose.
When you are desperate to find work and a means to care for your family and someone appears to offer you a life line your mind is not always in a place where it analysis’s everything clearly. I am ashamed to say that myself and my husband where sucked in. Instead of taking the adage that if something sounds to good to be true it usually is, we focused on the reassurance of a person called Jeff Nielson. He maintained that we would have his personal backing and he would follow our progress and if any issues ever arose he would be only to happy to help.
We told him that we were already financially strapped and had used all our savings over the last year to keep afloat he continued with his pitch that we could use the system that he called leverage by using what credit facilities we had left to join Applied Knowledge Institute.
They would then get us get off to a flying start, with their $200 dollars a day programme so that we would very quickly be back in profit. He also stated that when it came time to start paying the credit card bills he would help us transfer it unto a credit card that offered interest free payments and that was affiliated to him so it wouldn’t be a problem he give us the web address for this as proof that it was a real business. He then pasted us over to credit control I believe his name was Justin and he would go over the contract with us. Justin told me that this part of the process was going to be recorded, ( I really hope it was) as during that process I voiced my concerns about being sure the credit card thing was real etc he said he didn’t know anything about that but he would pass me back to Mr Neilson for confirmation after he had completed our call. Mr Neilson did not come to the phone after I had signed up...
I am now in my 3rd week of a 16 week programme with Applied Knowledge Institute and I honestly just want my money back everything I have learnt so far I could have picked up watching blogs about ebay on uTube.
I am from Northern Ireland and have discovered very quickly that drop shippers do not want to ship for me due to the legalities of being within the United Kingdom but not part of the mainland. When I say anything to my coach he says I am not trying and to search the internet to find ones that will. He then gives me my homework watch these webinars and write down a list of things you want to market etc. In my opinion its a complete defence tactic to make it seem likes it me not wanting to follow the programme so they can then claim I didn’t follow their instructions and that’s why I didn’t succeed.
We paid for this service with our credit cards, money we did not have, we went for the full package and paid over £12, 600 over $15, 500 dollars as a last ditch effort to save our home and our family.
I now spend my days in tears neither of us are sleeping and I am worried to the point that I think it might be best for my family if I was dead because at least the insurance cover would pay the mortgage as long as it looked like an accident.
If anyone can show me a way to get my money back then please contact me at this email address - [protected]@btinternet.com

Read full review of Apply Knowledge Institute and 4 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
4 comments
Add a comment
Z
Z
zmw
Salmon Arm, CA
Jan 15, 2011 4:35 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I have had the misfortune of becoming mixed up with this company as well. I am partially disabled but capable of working and this sounded like a really good opportunity to continue working and not become a drag on socety because of my disabilities. But I am about to lose everything and I have received no help from this company other than they keep wanting more money, which I don't have. I am a single lady, who is now working 3 part time jobs just trying to keep a roof over my head. I was not looking for a get rich scheme but a job that I could do long term just to keep afloat and now I am about to lose ot all, thanks to them. I have limited abilities and the job situation is very slim. I am now looking at filing for bankruptcy, and losing my home which was paid for. I don't have any options left and would like others to know that all the promised help is just a broken promise and they will see you lose everything. Zee_57@hotmail.com

R
R
Rhonda G Scott
Moogerah, AU
Dec 28, 2010 6:35 am EST
Verified customer This comment was posted by a verified customer. Learn more

hello my name is Rhonda and i live in Australia and I have the misfortune to be mix up with this company and would like some advice on they for the are looking for money and they are trying to wreck our credit rating so please give me some advice if you can my email address is rhondaandross@activ8 .net.au thank you for listening to me Rhonda Scott

E
E
explorer91
, US
Nov 05, 2010 7:41 pm EDT

I absolutely agree with the comments above! These fools try to sell you the dream while ripping people off. You should here them when they are out in the community bragging about there successful business, and how they help people, no ones buying your BS. They are a bunch of scam artists that will soon get shut down.

More facebook pics of these incredible [censored] bags!

View 0 more photos
M
M
mahi808
Wailuku, US
May 24, 2010 6:53 am EDT

Hi Irene,
It's sad your family had to be put through all this just because there are businesses that have no problem ripping people off to the point of ruining people's lives. Anyways, I just wanted to thank you for sharing your experience with me because I have been looking to make money online and our local newspaper did a story on a local mom who basically bought the same system affiliated with this company and saying how she makes good money at home. I am glad I continued to read because I already went straight to the payment page and decided to read more first. I guess I will continue to try and find an honest program, but thanks for the heads up...I hope things work out for you...

ComplaintsBoard
A
3:06 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Beware of FRAUD

I spent over 2 hours on the phone with 2 associates from applyki.com. First, Lorne Miller, who was fast talking and presented a great opportunity. Then I was transferred to a supervisor, Anthony Marquez, who was much more interested in talking and asking questions that he already knew the answers to then he was in actually answering any questions that I had. At the end of his long winded sales pitch, he became very upset that I asked for time to think about it. As soon as I started asking questions about his company he got more upset and tried to direct me to the testimonials on applyki.com. When I pulled up this site I began questioning Anthony on the other names that his company goes by. He was immediately upset and tried to get me to go to applyki.com again. Finally he said, "what do you want me to say?" I said nothing I guess, I am sorry for wasting your time and mostly my own. I am lucky that I didn't fall for this scam, but I am very sorry for those who have. People should not be able to get away with doing this to other people.

Read full review of Apply Knowledge Institute and 1 comment
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
1 comment
Add a comment
W
W
walter6969
fort worth, US
Jun 01, 2010 7:39 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

ComplaintsBoard
H
10:18 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Internet Business Scam With Many Faces

I have spent the last month attempting to find work online at home. I am a stagehand that lost a well-paying road job when the tour closed. I am home again, and work has been scarce. I was just looking for a way to supplement income while I wait for another show.

One by one, I have been trying these "companies". A former delivery truck driver named Ryan Jackson sold me on his "Automatic Wealth Solution" for a one time fee of $49.99. I paid the money, went to the website, and was given a number to call for some "coaching". I spoke with a nice man named David DaGloria. He represents a company called Apply Knowledge Institute. He starts talking to me about OPM...Other People's Money. Turns out that their definition of that is YOUR CREDIT CARD. They want you to invest thousands of dollars to start your internet company, but you don't even know the product!

Then we have the Jennifer Johnson program. Sharp website. $197 for the kit. Boy, was I sold on this one. On-line lessons. I passed the first two, and was working on the third. These lessons were about making sales on Ebay. I am interested because I would like to use Ebay to sell some stuff we don't need anymore. I get a call from a pushy little brat named Chris Martin. He puts me in touch with a pushier, even more abnoxious man named Calin (spelling?). Again with the OPM. He wanted me to invest at least $6800. I called to schedule an appointment. The answering service mentioned "ICI Success Team". I looked that up on the BBB. F rating. I confronted Calin about it. He said I had the wrong website. He said he worked for...you guessed it. Apply Knowledge Institute. I thought I was paying for a different "system". Turns out that a lot of these "success story" websites steer you to the same "coaches" that work for...that's right...Apply Knowledge Institute!

Apply Knowledge Institute is an accredited BBB online business. They have been in business for nine years, yet they were only accredited LAST JANUARY. They have gone from one business name to another, shedding their past failures like a rattlesnake shedding its skin. By the way ICI Success Team had 117 complaints to the BBB in its last 36 month cycle. ICI simply didn't respond to 30 of them. They had moved on, and probably didn't feel the need.

I went to BBB online to tarnish this "A+" rating that Apply Knowledge Institute's coaches are bragging about. After a four question survey, the BBB requested that I redirect my complaint to the U.S. Dept. of Labor. How convenient for these fat cats! One will have to jump through many hoops to wipe this off the BBB's records. Well...you can tell by the length of this complaint that I am not finished with these scam artists. I am going to take them down. Mr. Ken Sonnenberg, President [protected], I'm gonna gitcha!

Read full review of Apply Knowledge Institute and 18 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
18 comments
Add a comment
B
B
bbecky
Fresno, US
Jan 20, 2010 1:12 pm EST

The salesman: Devin Leonard w/Internet Auction Academy.
The trainer/product: Apply Knowlege Institute, multiple coaches.
Charges: $8220.00 for training in setting up a web ebay business.
Failed to disclose that there would be some really HIGH PRESSURE sales associates calling me and charging on my credit card additional fees and telling me that it was required by Applyki.com.
I filed a dispute w/my credit card company, which told me not to talk to Applyki.com.

S
S
shashasharont
Sanford, US
Jul 01, 2011 6:31 pm EDT

Although I got my refund by complaining loud & often, my thanks for your very informative letter, complete with picture. This allows us to see that these guys are really just your garden variety punks with a plan, figuring ways to circumvent systems in place to protect consumers. The picture really does "it" for me; these guys looks like my nere-do-well neighbor's son, with the backwards ballcap and the "me so bad" attitude, spending most of their time finding ways to avoid getting caught, unable to earn an honest living. A picture tells a thousand words, indeed.
Sharon Thompson

E
E
explorer91
, US
Nov 05, 2010 7:46 pm EDT

LOOK AT THESE FACEBOOK PICTURES...SUCH [censored] BAGS!

If you have not received a refund from these guys its because they closed one company and opened a new one. They are making money and have money to refund, but you have to complain to state officials and federal officers. Here is how I got my refund.

Nicholas Johnson, Josh Lindsay, & Jeff Nielson are former owners of 6 figure as shown at the BBB.

http://www.bbb.org/utah/business-reviews/advertising-and-marketing-agencies/six-figure-consulting-in-salt-lake-city-ut-22220703

Now they are operating under a different name Online Success INC. They are not registered with the state or BBB to avoid people finding them. But there address is listed as 7440s Creek Road Place, Sandy UT 84093

I complained to the Utah Consumer Protection Agency & the FTC. According to the FTC this company is already under investigation Case # [protected].

If you complain to those agencies about this being the same owners and the same company you will surely get your refund fast. It took me 14 days and I purchased 12 months ago!

Hope this helps...

View 0 more photos
S
S
seektherapy
Palm Beach, US
Jul 24, 2010 8:37 am EDT

Oh [censor] Ken! Apply Knowledge Institute just scared the hell out of me..LMAO! FREEDOM OF SPEECH, [censored]
LMAO, is exactly what i will be doing when the IRS and the FBI takes a close look at your scammy company! Uncle Sam wants his share! That's who will be calling you next.. Cuz Silverado Developement Inc sounds a little fishy.. oh and yes, i have copied this ! GOOD LUCK and do not bend over and pick a up a bar of soap in prison.. You can not hide behind fake domain registrations, it only takes one phone call for the IRS or the FBI to gather your information! Keep in mind they use technology like "Carnivore".. that might be a little old but you get my point..snort! snort!
psst.. call me a whistle blower, k?

E
E
EX "START UP SPECIALIST"
La Puente, US
May 18, 2010 5:21 pm EDT

I ACTUALLY USED TO WORK FOR THEM. AND YES, IT IS A BIG RIP OFF. TO MY SHAME, I WAS THE GUY THAT WOULD CALL YOU AND KEEP YOU ON THE PHONE, FIND YOUR PAIN, RUB SALT IN IT, THEN PAINT A WONDERFUL PICTURE OF HOW IT ALL COULD CHANGE FOR YOU. THEY ARE VERY SLICK, AS I WAS TOO.

DONT BOTHER TRYIN TO WARN EVERYONE ABOUT "IVY CAPITAL" THEY GO BY SO MANY DIFFERENT NAMES.

DONT BOTHER TRYIN TO GO PAY THEM A VISIT, THEY WONT DISCLOSE THEIR REAL LOCATION. THE ADDRESS THEY GIVE YOU IS NOT WHERE THEY ACTUALLY ARE.

YOU COULD TRY TO PURSUE LEGAL ACTION BUT THEYRE ARE VERY GOOD AT COVERING THEIR [censor] LEGALLY. AFTER ALL, YOURE THE ONE THAT AGREED TO INVEST INTO THEIR "COACHING", YOURE THE ONE WHO SIGNED UP. OH WAIT, IT WASNT YOUR MONEY, IT WAS "OPM" HAHA LOL SO MISLEADING.

WE COULD GO BACK AND FORTH ALL DAY ABOUT LEGITIMATE OR SCAM, GOOD OR BAD, WHATEVER. THE TRUTH IS, WITHIN MY FIRST WEEK WORKING THERE I ASKED THE OTHERS IF THEY WOULD INVEST IN THE VERY COACHING THAT WE WERE SELLING AND EVERY SINGLE ONE OF THEM SAID "YA RIGHT!" OR "NO WAY!"
TALK ABOUT SALESMAN SELLING WHAT THEY THEMSELVES DONT BELIEVE IN!

S
S
seriouslyk
, US
Apr 27, 2010 8:24 pm EDT

This is all quite interesting. Some of you REALLY need to do your research. When I read about the ICI Success Team, I had to laugh because if you do a little MORE research you will find that it is NOT owned by Apply Knowledge Institute. They provide the coaching portion. Its common for a person to blame someone or something else for failing at something in life. If you knew you couldn't hack it, then why did you sign up? Half of the people who sign up don't even know what Internet Explorer is. My point being, don't blame others for your failures. OWN UP!

M
M
MikePlanty
Cicero, US
Apr 26, 2010 7:29 pm EDT

I received an email from Ryan Jackson about his AWS. The email was sent on February 19 to an email address I rarely use. I read the email today (April 26).

The email that I received was also narrated by Ryan Jackson and at the end he said that there were only 17 spots left before he pulled his offer off the table in order to provide the best possible customer service. Luckily for me, there are still a few spots available two months later! I smell a rat and I appreciate the time and effort that went into the complaints from the people who have been victimized by this scam.

A
A
alexny
New York Mills, US
Apr 20, 2010 12:37 pm EDT

After 7 months of support and encouragement from Apply Knowledge Institute, I can honestly say the only way you could be unhappy is if you are too lazy to do what they tell you.

Keep complaining and not making money, I made $3200.00 last month.

Use common sense, any education is only as good as the effort you put in, stop blaming the opportunity and take some responsibility.

Y
Y
you all just suck at life
Kent, US
Mar 20, 2010 12:01 am EDT

You guys all just suck at life basically, I have been in the program for 4 months now and I could not be anymore satisfied. Don't buy materials if your too stupid to do the work.

R
R
Ronald83
Manchester, US
Mar 05, 2010 5:56 pm EST

Haha, I'm on the phone with these ### right now.

ComplaintsBoard
G
2:26 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute took my money

Called my husband who is 80 and ill. Convinced him to purchase their business for over $6000. My husband gave them credit card info, bec ause he thought he would be helping me if something happened to him. We are senior citizens. My husband is not able to make good decisions. Called the Company and wrote. They said after the fact that they have a no return policy. They did say they would consider a return, but we never heard from them .

Read full review of Apply Knowledge Institute and 4 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
4 comments
Add a comment
E
E
explorer91
, US
Nov 05, 2010 7:52 pm EDT

LOOK AT THESE FACEBOOK PICTURES...SUCH [censored] BAGS!

If you have not received a refund from these guys its because they closed one company and opened a new one. They are making money and have money to refund, but you have to complain to state officials and federal officers. Here is how I got my refund.

Nicholas Johnson, Josh Lindsay, & Jeff Nielson are former owners of 6 figure as shown at the BBB.

http://www.bbb.org/utah/business-reviews/advertising-and-marketing-agencies/six-figure-consulting-in-salt-lake-city-ut-22220703

Now they are operating under a different name Online Success INC. They are not registered with the state or BBB to avoid people finding them. But there address is listed as 7440s Creek Road Place, Sandy UT 84093

I complained to the Utah Consumer Protection Agency & the FTC. According to the FTC this company is already under investigation Case # [protected].

If you complain to those agencies about this being the same owners and the same company you will surely get your refund fast. It took me 14 days and I purchased 12 months ago!

Hope this helps...

View 0 more photos
J
J
James Mathews
green bay, US
Aug 03, 2010 10:47 am EDT

Seek therapy please give me your email address as i have the case number for apply knowledge with the FBI, i will send it to you so you can add your complaint to the investigation

S
S
seektherapy
Palm Beach, US
Jul 24, 2010 6:24 am EDT

Oh Shut the F**** up! you can not do a damn thing. Stop scamming people and get a real J.O.B ! Get ready because "HERE COMES IRS and the FBI." Uncle Sam wants his FULL SHARE as you spend time in Prison! LOL
PS. Send me a letter! I DARE you

W
W
walter6969
fort worth, US
Jun 01, 2010 7:39 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

ComplaintsBoard
E
7:42 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Beware

Paid $11, 099 to Tyler Roberts, eVentuires International, [protected] or [protected]; to be taught how to build web sites with a money back guarantee and no additiona costs.

Apply Knowledge Institute is the actual builder of the sites. Mr. Ken Sopnnenberg, President [protected]

After six months I have not web site and no expectation of one soon. I am being charge monthly maintenance fees on a site that does not exist. I have been locked out of the site so that I can no work on it without paying more money.

Coaching has been unsecussful, and I have been told I am not following directions.

Read full review of Apply Knowledge Institute and 12 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
12 comments
Add a comment
T
T
Taog
Prince Goerge, CA
Mar 27, 2010 1:52 am EDT

Look out for high pressure and anger, intimidation if you do not buy their plan...they know how to burn the bridges forever...ordered product and never got it...sad situation..a nice gal Mara turned to be not so nice in the end...PPRRESSURRE WOW I really do not believe they will deliver after that experience...be on guard for people who lay into you if they do not get your money..thank God we did not go for the Plan? Scam?

T
T
tyc
West Jordan, US
Dec 28, 2012 5:24 pm EST

Apply and These guys have another new case open in illionis idaho and other states... Get you money back and contact these attorney's

http://www.ilnd.uscourts.gov/Recently%20File%20cases/12cv9663.pdf

E
E
explorer91
, US
Nov 05, 2010 7:49 pm EDT

LOOK AT THESE FACEBOOK PICTURES...SUCH [censored] BAGS!

If you have not received a refund from these guys its because they closed one company and opened a new one. They are making money and have money to refund, but you have to complain to state officials and federal officers. Here is how I got my refund.

Nicholas Johnson, Josh Lindsay, & Jeff Nielson are former owners of 6 figure as shown at the BBB.

http://www.bbb.org/utah/business-reviews/advertising-and-marketing-agencies/six-figure-consulting-in-salt-lake-city-ut-22220703

Now they are operating under a different name Online Success INC. They are not registered with the state or BBB to avoid people finding them. But there address is listed as 7440s Creek Road Place, Sandy UT 84093

I complained to the Utah Consumer Protection Agency & the FTC. According to the FTC this company is already under investigation Case # [protected].

If you complain to those agencies about this being the same owners and the same company you will surely get your refund fast. It took me 14 days and I purchased 12 months ago!

Hope this helps...

View 0 more photos
W
W
walter6969
fort worth, US
Jun 01, 2010 7:41 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

T
T
The Sumaritan
Chicago, US
May 15, 2010 1:04 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I was also a victim of these scam artists, we invested over 8, 000 bucks and the information from these so-called, "coach sessions" is a joke, for one thing, it is information that I already knew and another thing, they weren't speaking like a teacher that was trying to educate a student, they we're speaking like a big-shot who was nothing but an egoist.

I also did some follow-up research on the matter and apparently Apply Knowledge Institute, which is also known as "The Success Team" which was on the front of a welcome packet that they had sent to me. Now according to the Better Business Bureau, they are connected to a company called, "eVertex Solutions, LLC" which is rated an A+ by the Better Business Bureau, which is most likely used by Apply Knowledge Institute as there "public" face so to speak to preserve their already worthless reputation.

Now, here is where it gets interesting, on a privacy/promise agreement that was presented to me, I saw the company called, "ICI Success Team" mentioned at least ten different times, and it had that companies contact information as well, and to me, that sent off a large amount of "red" flags in my mind, so I decided to launch a full investigation into ICI.

According to the Better Business Bureau, ICI Success Team, whom is owned by Ivy Capital, Inc., IS NOT accredited by the BBB, and the Ivy Capital, Inc has been given an F rating by the Better Business Bureau.

It is safe to assume that Apply Knowledge Institute, ICI Success Team, the Success Team, Ivy Capital Incoporated, eVertex Solutions LLC, ect... are but just a few of the alias that this group of people have used.

I can only hope that my research comes of use to those out there that have come to find themselves or their families in a similar predicament.

Thank you,

The Sumaritan

S
S
seriouslyk
, US
Apr 27, 2010 8:30 pm EDT

you should do some research and not be ticked off because you can't seem to get it. also AKI is not affiliated with Thrive and those others. It does take time and effort, and maybe its not for everyone. however, don't blame someone else. obviously this program DOES work for people, so its apparently NOT a scam.

T
T
Taog
Prince Goerge, CA
Mar 27, 2010 1:54 am EDT

be careful here

D
D
Dee S
Houston, US
Mar 17, 2010 1:21 am EDT

witts, you're probably a friend or employee. Don't try to tell us that you have to put in time when its so obvious. If time is all it took, nobody would need this bs service anyway. The same information can be found at the bookstore. The rest is up to the person themselves.

W
W
witts
Grantsville, US
Jan 17, 2010 10:54 pm EST

Oh, besides this site is not regulated like the government site is, so how can it be trusted and not a few pissed off people that thought they could start a business without putting in the required time.

W
W
witts
Grantsville, US
Jan 17, 2010 10:51 pm EST

Take the time and follow the instructions, just like school, and work. Don't try to skip to the end without putting in your time on the PC. If you are getting the help you ask for, follow it. I did and it works...

ComplaintsBoard
V
10:22 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Not helping me build a business

I know Apply Knowledge Institute as Affiliates Online. They said they had got my details from an Internet Marketer whose product I had bought. I remember I did fill in a form for a mentoring program on that site.

I've been with them for 6 weeks and all I've got from them is advice on how to find whether a product has been sold on Ebay and, if so, for how much. The owner of the company was in a video saying use this email address and I'll personally see your comments - when I used it the email bounced. When I used another email address of theirs I got my own mentor emailing me back with a very short message about how it takes time to find the product I need.

What would happen if I contacted my Credit card company and asked for a chargeback? Can they sue me?

Verdi

Read full review of Apply Knowledge Institute and 5 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
5 comments
Add a comment
E
E
explorer91
, US
Nov 05, 2010 7:50 pm EDT

LOOK AT THESE FACEBOOK PICTURES...SUCH [censored] BAGS!

If you have not received a refund from these guys its because they closed one company and opened a new one. They are making money and have money to refund, but you have to complain to state officials and federal officers. Here is how I got my refund.

Nicholas Johnson, Josh Lindsay, & Jeff Nielson are former owners of 6 figure as shown at the BBB.

http://www.bbb.org/utah/business-reviews/advertising-and-marketing-agencies/six-figure-consulting-in-salt-lake-city-ut-22220703

Now they are operating under a different name Online Success INC. They are not registered with the state or BBB to avoid people finding them. But there address is listed as 7440s Creek Road Place, Sandy UT 84093

I complained to the Utah Consumer Protection Agency & the FTC. According to the FTC this company is already under investigation Case # [protected].

If you complain to those agencies about this being the same owners and the same company you will surely get your refund fast. It took me 14 days and I purchased 12 months ago!

Hope this helps...

View 0 more photos
K
K
kidren
Prince George, CA
Apr 22, 2010 3:14 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

stressed out

K
K
kidren
Prince George, CA
Apr 22, 2010 3:13 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I also have been duped.It sounded so easy!What a smooth bunch of jerks.I have to find a niche market?it definetly is not 10 to 20 hours a week.I have lost alot of money and sleep over this.A phone call once a week is a joke!

W
W
witts
Grantsville, US
Jan 17, 2010 10:47 pm EST

ask for more help and you will get it

D
D
Dee S
Houston, US
Jan 06, 2010 12:42 pm EST

It all depends. What di it say in the contract you signed at the end of sale? I would still contact the credit card company because Apply Knowledge Institute is tied with raunchy companies like Six Figure Consulting, Thrive Learning, and etc. Since there are so many complaints against them, i doubt they would even waste their time with a suit. Good luck to you

ComplaintsBoard
F
8:39 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute scam sales practices

I suppose, we have no one but ourselves to blame for being scammed by Apply Knowledge Institute, registered as Evertex Solutions LLC, also pose as Wealth Management LLC. Ken Sunnenberg the so called President, runs several scam internet company claiming to teach you how to become a millionaire under one year for a small investment of $6200. If you are familiar with STORESONLINE, be warned about Apply Knowledge Institute. We will not learn anything other than what you already know. Please warn other Ebayers and Friends about this company. Beware! DO NOT GET SCAMMED!

Read full review of Apply Knowledge Institute and 1 comment
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
1 comment
Add a comment
W
W
walter6969
fort worth, US
Jun 01, 2010 7:38 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

ComplaintsBoard
C
8:48 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Replied
Apply Knowledge Institute has left an official reply on this complaint.

Apply Knowledge Institute Scam

BEWARE! This is a scam. They claim to have an A+ rating with the BBB, but they go under many names Max-elite consulting, maximus elite, apply knowledge institute. applyki.com just to name a few. People need to make complaints to the BBB for apply knowledge institute and applyki.com to get that rating off of A+ they are using this in their sales pitch to get people to trust them and it is a huge scam. They are linked to many companies.

People that have been scammed need to band together and start filing complaints with the BBB to help protect the people that they will scam out of 5k-15k of hard earned money. Please take action! They are a fraud and using the BBB to help promote this scam. The BBB needs to know now what is going on to take action. Please help!

Read full review of Apply Knowledge Institute and 6 comments
Resolved

The complaint has been investigated and resolved to the customer's satisfaction.

Hide full review
6 comments
Add a comment
R
R
roybeaur
Port St Lucie, US
May 29, 2012 3:47 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I also signed on which cost me roughly $10, 500 and was told that this was the only money I would have to pay. When doing the training, I discovered that you have to pay a monthly fee when you register with various drop shippers. Both my credit cards are over their limit and I have not made any money from the program to cover these expenses. Every step in developing this web site has many hidden costs, which I cannot pay. After coming across these complaints I got in contact with my lawyer who referred me to a company who got me my money back within about 2 months after them taking my case. The company did NOT charge me any upfront fees and did what they promised "FIAD Services" out of Pompano Beach FL their website is "fiadservices.com" the guy I worked with was Luke Daniels [protected] ext. 222 all in all they were great gentleman/company to work with. THANK YOU!
-Roy B

U
U
Utah Girl
Clinton, US
Aug 26, 2011 10:05 pm EDT

My brother works in the office next to Apply Knowledge. He said that the call center people never showed up to work a few days ago then this morning he came to work and the doors were wide open, most of their stuff was cleaned out, and there were files and other things littered all over the parking lot. Obviously someone was in a hurry to clear out last night. My brother called the police and they just locked the door and said the landlord would have to deal with it. Just thought those of you involved in this would like this updated info!

E
E
explorer91
, US
Nov 05, 2010 7:51 pm EDT

LOOK AT THESE FACEBOOK PICTURES...SUCH [censored] BAGS!

If you have not received a refund from these guys its because they closed one company and opened a new one. They are making money and have money to refund, but you have to complain to state officials and federal officers. Here is how I got my refund.

Nicholas Johnson, Josh Lindsay, & Jeff Nielson are former owners of 6 figure as shown at the BBB.

http://www.bbb.org/utah/business-reviews/advertising-and-marketing-agencies/six-figure-consulting-in-salt-lake-city-ut-22220703

Now they are operating under a different name Online Success INC. They are not registered with the state or BBB to avoid people finding them. But there address is listed as 7440s Creek Road Place, Sandy UT 84093

I complained to the Utah Consumer Protection Agency & the FTC. According to the FTC this company is already under investigation Case # [protected].

If you complain to those agencies about this being the same owners and the same company you will surely get your refund fast. It took me 14 days and I purchased 12 months ago!

Hope this helps...

View 0 more photos
R
R
rbhrnsb
Wolverhampton, GB
Jun 29, 2010 7:29 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I agree, I went through this, was pressured not to miss out as only so many are accepted and few places left, took me for $6700.00 all I had left on my CC. Then introduced me to supplier of dropship information service, Wholesale match, they took me for $1200.00, some good bargains but only in US, taxes and Postage made it awkward to sell outside of US, then found they would not accept payment from UK. Laskeys was the only supplier given in UK, very expensive so could not trade. Next had a guy from Empire State Bldg, tried to take me for more cash, asking what I had left on all of my CC's, hung up when I told him that they had maxed all of my CC's. Listen to webinars but some work and some do not, no interaction, cannot download a sensible copy. Mentor on phone for 5 mins max, no instruction, I have to tell him what I am doing, nothing in return.
Might be OK for US but rubbish for UK.
I have lost money on ebay fees, not sold anything supplied by them as all costs are too high in UK, in US I had to return money on sales as I could not purchase items using CC's, Maestro, or Paypal.Have not found a good supplier at a cost that can beat anything out there, even when I have found what I believe to be a bargain supplier, someone jumps in and undercuts the same item by a mile.
Scam 1000%

W
W
walter6969
fort worth, US
Jun 01, 2010 7:38 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

EAD FIRST TO HEAR HOW THEY WILL SCAM YOU OUT OF $15, 000 OR MORE!
AS A FORMER PRIVATE DETECTIVE I RECORDED THERE SALES PITCH, HERE IT IS IN DETAIL...

We receive aprox. 500 profiles/day, and through a qualification process based off your profile and this conversation we select about 2% to work with one on one for the next 12 months, AND we give them access to our network and contacts that we have developed over the past 9 years, which in turn creates a great income for you, knowledge you get keep for life, or pass on to who you please. And it also creates a phenomenal success story that we will want to use to promote our company. You guys ok with that? Great!

So, let’s get into the details of this program and see if you can overcome the hurdles it will take to work with us. On a fresh sheet of paper, I’m going to have you write down the four elements that it takes to be successful, and to qualify to work with one of our mentors.

First, at the top of your fresh sheet of paper, write down the word

v TIME – Leave some writing room below each of these

v Next, write down the word MONEY

v Below that write down KNOWLEDGE

v Finally and most important, under that write down COMMITMENT

Now, if I put my name on some ones file I take it very seriously! They are my success stories and it reflects on me. So, if you can overcome these four things I’ll feel comfortable inviting you in AND I can guarantee the program. If not, meaning if one of these things is NOT a fit, I’ll explain why and we’ll part as friends. On that same note, if you feel that one of these things is not a fit it’s VERY important that you just tell me, “it’s not a good fit.” Sound fair? Good.

Now next to TIME, write down, minimum 5 to 10 hours per week. Now, obviously we can’t supply you with TIME, but we can make sure that every second you put in is 100% effective so you are not spinning your wheels or wasting time. So, are you are willing to put in at least 5 to 10 hours a week? Then I want you to circle TIME because you are able to overcome that.

Now, moving down to MONEY, next to money I want you to write down the letters OPM. This stands for “other people’s money.” Just because it takes money to make money, that doesn’t mean it has to be your money. For instance, when you deposit your money in the bank, that doesn’t make it the bank’s money does it? But, what do they do with your money? That is right; they invest your money to make money for themselves. Have you ever learned to use the banks money to make you money? Well, if I can show you a strategy called Capitol Leveraging that will allow you to finance this program and get your business running without using any money out of pocket, is that something you would be open to? Okay I’ll show you, but first I want you to write down these price points. $9, 250 $11, 500 $14, 850 Now all of this is going to be hypothetical because nether of us have decided if this is a good fit, but for the stake of understanding it bare with me. Okay?

He then explains that Credit Card gives us 30 days of working together free and clear, and then 30 days down the road we will have a minimum payment due of $200. Now this $200(min payment) represents you Cost of doing business?, or your overhead and this is why SO MANY individuals and even large companies are attracted to the Internet, it has very little if any overhead. I mean, if you and I were to go into business together and start say a…. a restaurant. How much would you say we are looking to start? Right we are looking at $100, 000K + just to START, then we have to hire people, PAY people, get insurance and employee benefits, buy inventory and the list goes on and on. I’m sure you get the point so back to OUR overhead. So because of credit card 1 we have the first 30 days of working together on them and now we have a min payment of $200 due. On average it takes 60-90 days to get your business completely paying for itself. Now if you are only clearing $2, 000 A MONTH we’re moving in the right direction and we’re making money right? Right, that’s $1, 600 a month you didn’t have before correct? But, that’s 60-90 days and we are only at 30, so I also see you have a Chase Visa correct? Are you familiar with a Blance Transfer? Good then you understand that this can

give us another 30 days free and clear, so now we’re 60 days in with no money out of pocket. A lot of times this is enough time but in the instance that it’s not we can repeat that step back to the first card or to another and bump us up to 90 days or even 120. See, you have the credit available to leverage the investment as long as we need, but we don’t want you to do that. Just long enough so that the business is paying for itself and you aren’t paying out of pocket. Does that make sense?

As soon as your business is paying for itself we recommend you put 80% of your profits to pay off the LOC and pay yourself 20% at that rate the card is paid off really quick and then what do we have? Right! A 100% profitable business! That’s where we want to be right? Most companies take YEARS to do that, some never do it ever, and we’re going to do it in months. Is that okay with you?

Do you understand that strategy and what Capitol Leverage is?

Okay, so away from the hypothetical stuff, provided the rest of this makes since, meaning the knowledge is of value, the commitments are good on both sides, and I invite you in, are you comfortable using this strategy to get your business started today? Then I want you to circle MONEY because you can definitely overcome that as well.

So, at this point, we have overcome the hurdles of both TIME and MONEY. These are two things we cannot supply for you.

Now, moving down to the KNOWLEDGE, we can supply 100% of that. But, there are a couple of things that we need in order for this knowledge to work for you.

The first thing I want you to write down TEACHABILITY. In other words, when you go to college, you pay for your books, you pay for your tuition, but that doesn’t mean that you pass the class, correct? You have to be teachable enough to complete your assignments and do your homework. The same goes for this program. We can answer all your questions and supply you with all the knowledge and direction that you need; but, we cannot do your business for you. So, do you feel you’re teachable enough to implement the strategies we teach? Good.

The second thing I want you to write down is PROCRASTANATION. In business, especially an online business, PROCRASTINATION and INDECISION will lose you more money than a WRONG DECISION ever will. We can tell you what decisions we would make, regardless; we cannot make your decisions for you. Do you feel that you are teachable enough to make decisions based on facts and figures as opposed to emotions? Good.

Now, the second thing, as far as decision making; comes down to you and me. I have to make the final decision as to who we work with on this “team” and who we don’t. I don’t base my decision on emotions or whether I like you or not. I base it on the FACTS. In other words, if you can overcome TIME, MONEY, KNOWLEDGE, and COMMITMENT; then I don’t have to hope or wish you’ll be successful. I PLAN ON IT! It is just like baking a cake. If you have all the right ingredients, and you follow the recipe, you get the desired end result every time, the same goes for internet business. If you do it right, you make money. In a moment, I’m going to go through the KNOWLEDGE and TOOLS which you are investing into and the COMMITMENTS that we need from you so we can guarantee this program - - at that time, if it makes sense to you, AND I feel you would be successful, I will extend you an opportunity to work with one of our mentors for the next 12 months.

Once I do that, all I ask from you, is that you are able to make a decision based on the facts. It doesn’t matter to me if the decision is, yes or no, as long as we can make a decision. If the decision is YES, we’ll take care of the investment we’ve talked about and committing to your success and never looking back. Is that fair enough for you? Good.

Then let’s get into the KNOWLEDGE and what we provide for this investment.

The first thing under KNOWLEDGE I want you to write down is 12 months of personalized mentoring. That means you would be assigned the same mentor for the next 12 months. This mentoring is done over the PHONE, FAX and EMAIL and is broken up into a couple of different phases over the next year. The first phase is the “proactive phase.” Write that down. This phase will consist of 12 scheduled sessions on the phone over the next 12 to 16 weeks. The average session is half an hour to 45 minutes. Consider this to be your classroom time, if you will. These sessions are scheduled between you and your mentor and are based around your schedule. Now in between these appointments as you are working on your site and doing auctions you are going to have questions, you will also have access to our mentoring hotline. All we ask is that you ask these questions immediately so that we can move forward in the next session. We never want you out there with a question not knowing exactly what to do! The focus of the proactive phase is to hold your hand, so to speak, and walk you through this process. Also, at the end of the proactive phase we want to have you in a position so that we can loosen the grip on your hand so to speak, and have you in a position where you now understand how things work. Does that make sense?

Now, the “reactive phase” is for the remainder of the 12 months. During this time, instead of our contacting you pro-actively you will be contacting us pro-actively on a “NEED TO” basis. In other words, if one week you’re working on multiple projects, you may be e-mailing your coach all week long. The next week, if you don’t have any questions, you don’t have to contact us. During this time, you’re going to find that emailing is the most effective means of communication. The focus of the reactive phase is not only to walk you through as many deals as possible; but, also to have you in a position at the end of these 12 months where you are sick and tired of working with us. That means that WE have done our part, and YOU have done yours.

So, when it comes to the coaching, do you feel like you could learn in this manner? Good. Then circle 12 MONTHS OF COACHING, because this is the most important thing that we offer.

First I want you to write down E WEALTH RESEARCH TOOL. As we are developing your website we want you making money immediately. What product would be the first you would launch on eBay? What time would you be selling this item? How much would you sale this item for?

Those are questions that people will be asking themselves when they first start. The great thing is that we are going to be able to eliminate the mistakes for you. There are currently about 1.7 million people doing auctions on eBay. Not a bad market huh? What this tool does is actually go out and let those people make the mistakes for you. Let’s say for example we are going to be selling women’s pants. The first thing you would do is type in women’s pants and it will bring up the top 5 pants sold on eBay. Not only that, you will be able to see when is the best time to auction this item, and at exactly what price it will sell at what % of the time! It also lets you know if it’s better to have the item be a fixed price or an auction or with a buy it now. It takes all of the guesswork out and ensures your success. Does that make sense? Give Ex. If needed.

When students come aboard they get access to OUR wholesalers. We already have a network of over 500 wholesalers and drop-shippers so that you can pick a product, then use your research tool. Now you can set your price say 10% lower than competitors AND set your products to sell at the same time as the bulk of that product. Think we’re going to sell something?

It basically makes sure you are successful with this!

The developer of this software took 40 or 50 Gold Power Sellers, which means they are making at least $15k a month on eBay doing auctions. These are experienced people making money already. She tapped them in with her software you will be using and they on average had a 40% increase in profits. The top seller actually increased by 80%! And these are people who have been doing this for years. You will have this working for you from the beginning!

Can you see this tool helping you take out all of the guessing work and making sure you are going to be successful? Great

Next I want you to write down E Wealth Web Lister. This takes all the pain out of selling items on eBay. Have you ever posted something on EBay? How long did it take? This simply puts your items at auction with a handful of clicks rather than having to spend the time with hundreds of clicks Time is money, right? This allows you to have more time putting together new auctions. You are actually able to click on items on YOUR web page and have them automatically posted on EBay with just a few clicks. The Lister gives you a description of all required fields (for example “headline” “sub-title”) AND THEN gives you example key words and example phrases. That way you’re not just trying to figure it out.

And my personal favorite function of the Lister is the Reoccurring event button! This way when you find your SUPER successful auction items you can set it to RE-list and start your auction at that same time every week or even everyday! This allows you to spend doing other things like making your site better while continuing to make money.

Or even time on back end marketing. For example once we have someone that buys for example a tent. We will now be building a clientele. Now we can go back with email campaigns and sell that tent buyer fishing gear or a lantern or whatever you find you have the best margins on using your research tool. Someone that buys earrings from you we can go back and sell bracelets too. What this will do is establish and build a network of buyers. These same people will come and look at you and your store before they go and make the next purchase. Thus we are creating a passive income that we don’t have to continue working for! Can you see how this tool would help you become more successful? Great!

Next I want you to write down E Wealth Web Builder. This is going to be another amazing tool! It is the simplest and the most in depth web builder on the market. What this does is take someone with no web design experience in his or her entire life and help him or her build their own websites. It makes web building so easy with simple point and click features that you will be able to build your own sites with no previous experience!

Site look and Feel

Edit Page

Store Manager

Site Stats

Live Chat Resource Center M-F 8-6 MST

It also eliminates you having to pay a web master $50k a year to manage and run your sites. It gives you complete control over your own sites and makes it easy. Can you see that working for you? Good.

Go ahead and write down SEO MARKETING FOUNDATION. Now as you are making money on your auctions on eBay and creating a massive clientele base we also want to focus on getting your site the attention it deserves. This is our long term plan for your website and this will create passive income and repeat buyers. The SEO Marketing Foundation helps you learn how to build content on your webpage that search engines respond too so you are showing up higher on searches. The higher you show up the more people you get to the site. Every 90 days each search engine goes out and re-lists who is coming up with more content for the keywords that are being typed in. Within 90 days we want you coming up that list. With each 90 days we want you higher and higher on each search. This in turn continues to get more and more people to your site. Then the focus becomes how to we get more people to buy. Does that make sense?

Remember we have already built over 500 wholesalers and drop shipper’s relationships that you can begin working with immediately. Our goal is to have your business paying for itself as soon as possible

Now go ahead and circle SEO Marketing Foundation if you can see how this will help you!

The last thing I want to talk about in the KNOWLEDGE section, which is also included in your investment, is your ASSET and TAX PROTECTION. This is designed to help you keep and protect more of the money and assets you acquire. I want you to write down the name of these materials. Write down “Asset Protection Made Easy (ENTITY SET UP).”

First, I want to talk about the tax protection side of this. Inside these materials there will be what is called an “entity setup”. In other words, you will be setting up a corporation through which you will do all of your business. .

The Corporation allows you a variety of “Tax Deductions.” In other words, it allows you to keep more of the money you make. In this country, it is not just how much you make, it is how much you keep as well; would you agree? Not only is this $14, 850 investment tax deductible as a business start-up cost, many of the things that you are already spending money on can become tax deductible as well. There are also many other creative ways you can save taxes while running your own business. These materials will teach you every aspect of this. So, not only will this business pay for itself through the business that you do, but, it will pay for itself over and over again through the taxes it will save you.

The aspects of KNOWLEDGE we provide are:

q 12 months mentoring

q E WEALTH AUCTION RESEARCH TOOL

q E WEALTH AUCTION LISTER

q E WEALTH WEB BUILDER

q SEO MARKETING FOUNDATION

If they correlate with what you feel you need to learn, I want you to circle KNOWLEDGE.

On your page, we should now have TIME, MONEY, and KNOWLEDGE circled. These are the three major hurdles that hold people back. It is kind of like wanting to get in shape. You can go to the gym and learn how to use the equipment, learn how to eat better and drink more water, but that doesn’t mean you are going to get in shape, does it? You have to commit to doing it on a daily basis. The same goes for internet business. Now, let’s move down to the COMMITMENT section. I’m going to go over the five commitments that we need in order to work with someone and guarantee this program. These are not difficult commitments, but they are commitments; and commitment is the common denominator between SUCCESS and FAILURE. If you are OK with these commitments, I won’t have any problem extending you an opportunity to come aboard this team.

· The first commitment we have already talked about is TIME. Five to ten hours per week minimum. And, you can commit to that, correct? Good!

· The second commitment is that you keep your scheduled appointments with your coach. In other words, if you need to re-schedule, and it is not an emergency, give us 24 hours advance notice so we can be there to help someone else, fair enough?

· The third commitment is that you implement the strategies we teach. Once again, we will tell you exactly what, where and how to do it, but we cannot do it for you. This knowledge works universally, but only if it’s applied. Just like when going to college.

· Now, the fourth and final commitment pertains to the assignments that will be given to you each week by you mentor. You must document each and every week, what your assignments are, and what you have done to complete them. This needs to be emailed here to our office once a week, so we can follow your progress. We want to make sure we are not going to fast or too slow! The email address will be listed in your activation documents. Do you feel you can commit to doing that?

So, as far as these four commitments go, do you feel like you could commit to all four? Good.

Now, I want to explain our “GUARANTEE OF SERVICE.” If you keep these four commitments over the next 12 months, and do not at least DOUBLE your INITIAL investment; we will continue to work with you pro-actively, at our own expense, until you do. I want you to know that in 9 years we have never had to work with any of our students beyond 12 months, and we should never have to. Regardless, it shouldn’t hurt your feelings that we guarantee your education. Right? If these commitments and guarantee make sense, I want you to circle COMMITMENT on your page.

Now, you should have TIME, MONEY, KNOWLEDGE and COMMITMENTS circled. Is that correct? Good, then I have a couple of questions for you:

· If I were to extend you the opportunity to come aboard, and work with us for the next 12 months, is this something you think you could do? Good.

· If I were to extend you that opportunity, is this something you would not only want to, but would be excited to take advantage of? Great!

Then I want to say, on behalf of myself and our entire team, CONGRATULATIONS and welcome aboard our “success team”.

I’m going to put you on hold for a minute and put your file together. I’ll be right back to get some information from you. In order to get you registered, I need you to grab the highest interest rate card for the initial investment and I’ll be right back in a moment; and once again, congratulations and welcome aboard, I’m excited for you.

We will be over-night expressing, as well as emailing your “activation kit”. In this kit, there will be a welcome letter, a copy of the commitments, a copy of the invoice, and some other documents for you to review and sign. Fill out and return the documents to the fax number or email address provided; whichever is more convenient. Once we receive those documents back, you will be hearing from the mentoring department within 24 to 48 hours for your initial contact and to schedule your first appointment. What is the best time to reach you in the next couple of days?

Now, the last step is, I’m going to transfer you through to my verification department and for your, and our, protection, she will record the conversation and make sure that I didn’t give you any earning’s claims. In other words, I didn’t tell you that you were going to become a millionaire next week just by investing in our program. Also, she will verify your shipping address and the credit card number so keep that handy. A couple of other things she will verify, and I just want you to be aware of it, and this is obviously common sense, but it is my job to cover it with you, number one, we cannot GUARANTEE a SPECIFIC dollar amount on any SPECIFIC deal by any SPECIFIC time, in other words, I don’t know how much I am going to make on my online business, let alone yours. The second thing I want to cover with you is, because the information and materials that we provide are proprietary, and non-recoverable, there is a no cancellation and no refund policy. What this means is, we can’t have you come aboard this team and then 12 months down the road when you are fully educated, turn around and sell our products on the internet, and then cancel your program. We would obviously go out of business that way, right? And we can’t have that. So the point is that if your not 100% committed to this, you shouldn’t come aboard in the first place, correct? This way we have a vested interest in each other, and that is why as a company we have such a high success rate. So does that make sense? Ok Great.

My secretary is going to verify that information with you. This way you will be assured everything is correct when you get your activation kit.

Okay, she will give you a call within the next few minutes to verify everything with you.
Once again CONGRATULATIONS AND WELCOME ABOARD!

AS YOU CAN IMAGINE I HUNG UP AND CALLED THE FTC. DONT FALL FOR THIS SCAM!

W
W
witts
Grantsville, US
Jan 17, 2010 10:44 pm EST

If apply knowledge is a scam. then why are so many people successful. Besides how many people in the US have a degree, and spent 50, ooo or 150, 000 on universities, and they don't guarantee anything. I for one did sign up and 90 days since I did I have made 5, 000 total, and in this last month 2800. For a scam I made more money and paid back my investment with my online business than my current job working 40 hours at 12.50 an hour. If you want success, then get qualified, and try to get invited on.

Trust badge
Collect Your Trust Badge
Be recognized for outstanding customer service

Contact Apply Knowledge Institute customer service

Phone number

+1 (866) 716-3099

Website

old.applyki.com

Your Voice Matters: Our Commitment to Genuine Reviews

Empowering Real Experiences

At ComplaintsBoard, we believe in the power of true customer stories. Our platform is a space for authentic voices, where experiences, both good and bad, are shared openly and honestly.

Dedicated to Authenticity

ComplaintsBoard is vigilant in our fight against false reviews. Our team employs robust verification methods to ensure every review reflects a real customer experience, upholding the integrity of our platform.

Encouraging Detailed Feedback

ComplaintsBoard values reviews that come with real evidence. Whether it's a photo, a detailed account, or additional documentation, such substantiation adds credibility to your story, helping others make better-informed decisions.

Balanced and Constructive Conversations

We're more than just a complaints board; we're a community for balanced dialogue. ComplaintsBoard encourages reviews that not only highlight issues but also acknowledge positive aspects, fostering a fair and comprehensive understanding.

Free and Fair Platform

ComplaintsBoard's commitment to maintaining a free and unbiased platform is unwavering. Every review is treated equally, ensuring that your voice is heard and respected, regardless of the nature of your experience.

Is ComplaintsBoard.com associated with Apply Knowledge Institute?

ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Apply Knowledge Institute Customer Service. Initial Apply Knowledge Institute complaints should be directed to their team directly. You can find contact details for Apply Knowledge Institute above.

ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. We are doing work that matters - connecting customers with businesses around the world and help them resolve issues and be heard.

Use this comments board to leave complaints and reviews about Apply Knowledge Institute. Discuss the issues you have had with Apply Knowledge Institute and work with their customer service team to find a resolution.