Many personal finance people will tell you that the stock market returns somewhere between 8% and 11% annually. A quick web search will find you people claiming to earn ten thousand per month. Do believe it's possible for everyone to get this rich? What would happen when too many people started copying the same system?

When you're getting pressured by a sales person to buy see if any of the following statements are true to trigger your mind that this could be a SCAM.

Super Earnings - If the claims of earnings are more money that you could possibly dream being in the shortest time frame you could possibly imagine it's likely a scam, or at best illegal.

Certainty - Will the company offer any type of guarantee on any of their claims? How about a portion of their claims? If you get the default statement "results not typical" you may want to start looking elsewhere. You want the company to have some stake in the claim, and without a written guarantee you won't have much to stand on when your money vanishes.

Alias - If you can't find out any information about the company selling the product this can be a red flag that the company doesn't truly exist or was just newly created for this venture. This is a warning. If the sales person is hesitant to give names or contact information; time to raise the red flags.

Mood - High pressure salespeople always make me wonder why they are pushing so hard. This is not a great indicator for a scam as some very honest salesman are high pressure, but combined with other SCAM points it makes me feel better about hanging up.

Hopefully, the next time you're surfing the net for a get rich plan you think about the impending SCAM as you read the stories of pennies from heaven.