Blue Edge Financial is a cutting-edge company specializing in AI-driven trading solutions and comprehensive educational resources for Forex traders.
Their aim is to empower individuals with the tools and knowledge necessary to succeed in the financial markets.
So if you are interested in the currency markets to include crypto then Blue Edge Financial might be something you might like to look into further.
We have heard things about this company and thought it was time we took a look and see what they were about.
But just to clear a few things up, we are not asssociated with Blue Edge Financial in any way.
Which means we aren’t getting paid for this review but more importantly we won’t be trying to sell you anything either.
We will however, give you a glimpse into what we do for a living but no pressure there.
What we will say about trading is to research the subject well because any sort of trading is risky business.
No matter what anybody tells you and what we have seen online alot are promises of good returns but you should already know that nobody can promis you that, not even Warren Buffett.
In this review, we are going to be taking a look at Bill Spetrino and his Dividend Machine.
But don’t get too excited because it isn’t some device that he created where you deposit your money and a high-tech device does the rest.
No, it’s a newsletter where Bill gives you his expert advice on various dividends stocks that he predicts will do well.
Now, if you know anything about trading then you will know just how risky a business it can be.
In fact, only a very small percentage of people succeed in trading.
What you will notice online is the vast number of people who profess to be killing it on the stock market and a lot of these are very young people.
But, when you do your research on these people where you expect there to be a lot of information to back up their claims, guess what there isn’t any.
They are giving you the idea and trying to convince you that everyone can do this.
Well, my brother is no dummy and he has been trying for years in the hopes of finding a stock that is going to make him rich.
People who do succeed are doing so with insider advice and we all know what happens if the SEC finds out, yes it could lead to a stretch in jail.
Bill Spetrino calls his way of trading boring but he doesn’t care because he says it works for him.
So what can Bill Spetrino’s Dividend Machine review do for you? Are you going to be able to make money or is this just some elaborate scam?
Let’s see, shall we?
Affiliate Disclosure: This Dividend Machine Review has been thoroughly researched from information and testimonials that are in the public domain. This post may contain affiliate links which means we may earn a small commission, however, this won’t affect what you pay!]
Dividend Machine Summary
Product: Dividend Machine
Founder: Bill Spetrino
Website: www.dividendmachine.com
Product Description: Subscription to a monthly newsletter which gives advice on companies trading dividends.
Cost to join: 3 months trial subscription – $4.95
Recommended: Maybe
Summary: We have come across these trading newsletters before and they are really difficult to determine whether people are making money or not through the advice given.
I guess the safest way if you are thinking of getting into trading is to find a reputable broker who you can trust.
The number of reviews that we have found tells us that people in general are more than happy with the advice that Bill gives out.
However, we can’t validate such claims like we can’t with most things in life.
The Dividend Machine has been around for over a decade so maybe the great things that people are saying are justified.
If you are uncertain then we would suggest paying for the shipping to Bill’s book The Great American Dividend Machine for the 3-month trial period.
That way you get 3 monthly editions of the newsletter.
But remember when the 3-month period expires you will be billed for a year’s supply of newsletters.
The Dividend Machine is a newsletter that was created by Bill Spetrino well over a decade ago now.
You could look at this as a good sign that the information in this newsletter is valid which has enabled many to prosper or so it would seem.
We have come across many similar products online which can end up costing you hundreds and in some cases thousands of dollars.
At least with Bill’s newsletter, you can get hold of it for only a few dollars which will give you 3 months to decide whether this is for you or not.
The problem you will find online is the enormous number of people who say they have cracked the code and that what they do works.
But in reality, most people haven’t because why would someone give away a secret “as they say” to anyone?
They wouldn’t now would they, why is that you may ask?
Simply because they are making more money selling what they have to offer you rather than making money as traders.
According to Bill, his way of trading is one of the safest investments but if you know anything about trading you can lose it all in the blink of an eye.
There isn’t a lot of information online about Bill Spetrino
but he has been around a while and has some great feedback.
He seems to be a modest guy for a multi-millionaire as can be seen by the image to the right.
At 23 Bill graduated from university and was working at the time for an accounting firm but decided that working in the same job for 45 years wasn’t what he wanted in life.
He read many books by people like Benjamin Graham and Warren Buffett and through the knowledge, he’d accumulated.
He choose trading dividends as the way forward and what he’d determined as probably the safest form of trading.
Starting with $9,000 that he’d saved he started trading dividends and whatever he made he saved and reinvested.
On the back of his trading success was born the dividend machine and he was able to retire at 42 with an accumulation of $72 million.
According to Bill, the dividend machine newsletter was voted by Hulbert Financial Digest as the number one low-risk newsletter.
Bill can also be found providing journals on a regular basis to the Newsmax Media group which is also a news media channel.
What you are getting with the dividend machine is a newsletter with predictions of trades to invest in.
If you thought that you would be getting some fancy high-tech software then you are going to be disappointed.
By going to Bill’s website there is an offer of his book for “FREE” which is called The Great American Dividend Machine.
You can check out the reviews on Amazon there is a lot of good feedback and whilst you can purchase it on Amazon we’d suggest getting it through Bill’s website.
So what you get is…
The Great American Dividend Machine
This is a free book which Bill created and talks about what dividends are, how they work and how you make money through investing in them.
He also talks about the various strategies that he has used over the years to become so successful.
This can be bought for a few dollars and will give you access to 3 month supply of the newsletter.
Monthly Investment Newsletter
This will give you current trends and the best dividend investments to take on which is also ranked by Hulbert Financials as a safe investment.
Who are Hulbert you may ask?
Well, they are a company that tracks and rates newsletters.
Typically you’ll get one new investment idea per issue.
Weekly Updates
Once a week on a Tuesday, Bill and his team at The Dividend Machine will send out emails with current trends and observations on the stock market.
Providing you are taking Bill’s advice this information will give you each individual position in your Dividend Machine portfolio.
Podcasts:
As well as emails, each Thursday you will receive a podcast which will explain things in more detail.
About stocks and forecasts as well as current news about the companies in the portfolios as well as any advice that Bill currently has for you.
Portfolios:
There are currently three portfolios as part of the Dividend Machine which is headed under…
Aggressive, conservation and international for which you will be guided through recommendations.
Special Reports
Bill and his team have released up to press 16 special reports which members will get access to.
Best stocks to purchase right now and the best dividends to invest in.
Customer Support:
Obviously, you have customer support available and can contact Bill and his team through various channels.
.Bill Spetrino’s Dividend Machine is considered worth the money by many subscribers due to its focus on consistent dividend income and value investing principles.
The program offers detailed stock recommendations and educational content, which can help investors build a stable income stream and achieve financial growth.
However, the value of the program depends on your commitment to actively managing your investments and your comfort with market risks.
While many users appreciate the insights and steady performance, it may not suit those seeking a passive investment strategy or concerned about subscription costs.
For more detailed reviews, visit financial advisory sites and investment forums.
Dividend Machine Student Reviews
There are a couple of places where you can find reviews for both The American Dividend booklet and the newsletter.
For the booklet, you can head over to Amazon and for the newsletter, you can find reviews on Stock Gumshoe.
What we find disappointing is the total lack of reviews on Trustpilot.
Very Reasonably Priced: For a small fee which is to cover the shipping costs you are getting 3 months of newsletters.
Remember that once you have exceeded the 3 months period you will be billed for an annual period which is going to cost you $114.95.
That’s a problem because most people will forget about the 3-month period but if there are no questions asked then you can get a full refund.
Low-Cost Strategy: Dividends are a low-cost trading strategy where the risks are not as great as other trades.
Great Customer Reviews: The reviews that we could find were in general positive however there were a few negative ones but that is understandable.
Weekly Updates:
These come as email updates and podcasts that keep you abreast of the stock markets and any additional information Bill and his team want to pass on.
Dividend Machine Review – CONs
Some Might Not Like The 3-Month Trial:
The problem that you have when there is a trial that has to be paid for is that you will have to pay the full amount if you forget about it.
This is a naughty way because most people will forget but at least with this newsletter, the most you are going to be stung for is $114.95.
Trading Is A Risky Business:
Any business is risky no matter what it is but trading has a much higher degree of risk where you could lose your entire investment in one go.
There are a lot of people online who claim to be experts and that their methods are killing it.
But you know, I have lost count of the number of times I have heard this and they never can back up their claims.
That’s why we would always suggest finding a reputable broker if trading is your choice of business.
The Final Verdict – What we Think!
Bill Spetrino’s Dividend Machine is generally considered worth the investment for those seeking consistent dividend income and long-term financial growth.
The program offers well-researched stock recommendations and valuable educational content on value investing, which many subscribers find beneficial.
The emphasis on financially stable, dividend-paying stocks can provide a reliable income stream, appealing especially to retirees and income-focused investors.
However, the success of the program relies on the user’s commitment to actively manage their portfolio and tolerate market risks.
While some users may find the subscription cost high, the potential benefits often outweigh this concern for serious investors.
What we do For a Living
It’s called affiliate marketing which is very similar to dropping shipping except you don’t have to worry about using a digital store.
The principle is the same in that you are the middle person and direct the customer to the merchant except you get paid a commission on a sale.
It also means that you are not restricted and are much more flexible.
Is one of if not the best ways to create multiple income streams.
I have personally been a member of Wealthy Affiliate since 2017 and the main reason why I was able to kiss goodbye to my 9-5 job.
A detailed look at a course that teaches you how to manage your finances and how to increase your credit rating.
Something that we all should be doing today!
In these hard times, there is no getting away from the fact that our economy is at breaking point and really stretching our finances.
It doesn’t matter what you want in life today, whether it’s a car, a house or even a job.
Companies are always going out of their way to check whether you are credit-worthy or not and even trustworthy.
So it’s very important and according to Brown that you aim for a credit rating above 800 which isn’t as difficult as you may think.
The YTS Academy also covers many other financial methods that you can use to better that score.
So let’s see what Brown and his academy have to offer and whether it’s a right fit for you.
Affiliate Disclosure: This YFS Academy Review has been thoroughly researched from information and testimonials that are in the public domain. This post may contain affiliate links which means we may earn a small commission, however, this won’t affect what you pay!]
YFS Academy Review – Summary
Product: YFS Academy
Founder: Dominique Brown
Website: www.yfsacademy.com
Product Description: How to reach your financial goals
Cost to join: $24.99/month – $497.99/lifetime
Recommended: Maybe
Summary: Credit agencies say that to improve your credit rating you need to be using credit cards sensibly.
I can attest to this as my own credit rating improved to almost the maximum and this was through using credit cards and paying them back on time.
You see they need to see that you are a good payer but what they don’t tell you is that too many credit cards can have an adverse effect.
It is easy to fall into the trap because they are forever offering you credit cards and the higher your credit rating the more cards they offer you.
So my credit score is currently 875 and that was through using common sense so I’m interested to know what Dominique Brown has to offer.
But the YFS Academy isn’t just about building your credit rating, it covers many other areas in finance too.
YFS Academy covers many aspects of your financial world but to get there you need to first have a great credit rating.
Something that isn’t taught at school is how to handle your finances but you don’t have to be a financial whizzkid either.
The academy has a number of modules that cover purchasing a home, investing in the stock market, starting a business and more…
According to the YFS Academy website, there are hundreds of students who have drastically improved their financial world through this course.
This course is geared towards people who are struggling, after all, most people never think about their credit rating until they try and purchase a car or home.
According to Experian, one of the main credit agencies, you should be aiming for an 800+ credit score and this is what Brown is going to help you with.
The YTS Academy program not only aims to get your credit rating in the upper echelons.
It will guide you in other areas to help in your everyday life.
Who is Dominique Brown?
Dominique Brown as far as we can see studied
IT security, administration and IT technology at George Mason University from 2001-2006.
So based on that, he doesn’t have a financial degree or financial qualifications however we do see reviews stating that he is a licensed financial advisor.
It is clear that in his decade of the role as CEO of S&D Capital Holdings LLC, he has helped thousands with financial planning.
Coming from Philidelphia and brought up by his single mother he is accustomed to financial hard times.
Dominique has a Facebook page called YFS Academy but looking at this and there appears to have been no activity since June 2021.
So what has happened with Dominique Brown?
Well, he is still around that is for sure although based on his social media accounts seems to be not as active.
What Do You Get With The YFS Academy?
There are quite a few modules that you can benefit from when you join the academy which we have highlighted below…
How To Fix Your Credit
Well, with so many different credit agencies out there and the 3 main ones that you should be concerned about.
Are Experian, Equifax and Transunion but dependent on which country you reside in they can be others.
Everything nowadays is based on your credit score or credit rating which lets other companies know how trustworthy you are.
The bigger the credit score the more offers you will receive which can open up a whole new financial world for you.
However, a low score can create havoc in your everyday life and I personally know just how that feels.
The academy aims to help you sort out and better your score and put you on the right financial path.
How To Start A Business And Dominate Business Credit
If you are ever thinking of starting a business then normally you would require capital to get started.
This module will teach you everything that you need to know about business credit and how to go about getting a loan.
How To Invest In The Stock Market
Obviously, this module is for students who are interested in the stock market and you are probably thinking.
Why would I want to risk losing my money and potentially ruining my credit rating in the process?
Well, Brown does have a lot of experience in this area and whether this is a route you wish to go down then he can give you guidance.
How To Buy A Home The Smart Way
Everybody eventually wants to get their feet on the property ladder because that will probably be your biggest investment.
Nowadays and since the financial meltdown in 2008 things have changed dramatically when finding the right mortgage.
This module gives you guidance in…
Positioning yourself to purchase the best home that you can afford
How to get approved for the right mortgage
How to pay off the mortgage many years earlier than the term
The best home to buy as an investment
How To Buy A Car The Smart Way
Another purchase that we all will make is a car and this module covers…
How to purchase the right type of car for less
How to get approved for a car loan without those outrageous interests
Getting the best trade-in deals
Beating the dealership at their own game
How To Get A Pay Rise
Another major factor in life is your job and the amount you earn and this module hopes to help you in this department.
The best way to position yourself for a pay increase
Advice and tips on how to become invaluable to your employer
How to increase your money by doing the same things you already do
How to handle yourself when a pay rise is not on the cards
How To Create The Perfect Budget In Order To Reach Your Goals
Is there ever a perfect budget, Brown says there is and this module discusses this in depth.
Regardless of your income, how to create a budget for those goals
How to budget on a step-by-step basis even if you aren’t familiar with it
Budgeting for when you get paid
How to budget and still treat yourself
How To Set Goals That You Can Achieve
One things that we are all bad at is setting goals which is good practice to get involved with.
It allows you to focus more by training the mind and allowing you to discipline yourself to reach those financial goals.
This module will show you how to create S.M.A.R.T goals and how to go about implementing them so that they come true.
It’s all about developing the right financial mindset.
The 52-Week Savings Challenge
This module lays out a 52-week challenge that you can adopt to help in achieving that next milestone.
Through weekly reminders, weekly motivation, weekly savings support…
This is all about motivating you to reach those goals.
Also When You Join YFS Academy…
You get access to their private online Facebook group where you can exchange your thoughts with other students.
There is also a live Q&A every fortnight where Brown and other team members answer any questions that you may have which are recorded.
So that you can go back and watch them whenever you want.
Which Also Include Several Bonuses…
Multi-Million Dollar Generation Wealth Building Plan…
The Fastest Way To Pay Off Bills…
The 10 Financial Commandments For Financial Success…
YFS Academy Review – Costs And Refunds
There are a number of payment options that you can choose if you want to sign up for the YFS Academy.
$24.99 per month
$149.99, every six months
$249.99, per year
$497.99 for unlimited lifetime access
Can You Pay For The YFS Academy Course In Instalments?
No, as you can see you could pay for the academy on a monthly basis which would take the annual fee to $299.88.
Are There Any Upsells With The YFS Academy Course?
No, what you see is what you pay for.
Is There A Free Trial With The YFS Academy Course?
There is no free trial with this training course.
Are There Any Additional Costs We Should Factor Into The YFS Academy Course?
No.
Does The YFS Academy Course Come With A Refund?
Unfortunately, there is no refund so if you decide to pay for the lifetime membership which is currently $497.99 then I’m afraid you are stuck.
Is YFS Academy a Scam?
No, we don’t think it is because the amount of advice that is given could more than pay for itself.
There is no getting away from the fact that we could all do with a little help and in some cases more than a little help.
As we have already mentioned, it isn’t until you decide that you want to buy a car or a house that you are suddenly hit by creditors saying no to you.
That can be very frustrating because not many people are aware that we all have a credit file with all our private details on it.
But, it doesn’t take a genius to work out how to better your credit rating without paying for this advice.
There are ways to increase your credit rating by going on an electoral roll which is obvious really because that tells authorities where you reside.
Credit cards, whilst they can get many in trouble (I should know) can also help boost your credit score.
The higher the score the more credit people are willing to give you but remember too many cards can go against you.
Brown offers some advice on investing in the stock market, now I know this can be and usually is a risky avenue to go down.
However, don’t expect too much professional advice here!
At the end of the day, pay your bills on time and you can be sure that your credit rating will increase.
That is FREE advice but should be common sense to people.
Besides the internet can provide you with all the answers that you could ever want without it costing you a dime.
If you are looking for ways to boost your financial situation then working for someone else is limiting yourself.
At the end of the day, YFS Academy is not a scam because you will get value however, it’s all about bettering your credit rating and all the other stuff that comes with the academy may not be required.
Having said that though, paying for a credit repair company can cost you dearly so maybe YFS is worth looking at.
YFS Academy Student Reviews
Unfortunately, we could find any third-party reviews by students on sites like Trustpilot.
The YFS Academy Review -PROs
A Great Credit Rating Is Paramount: What we mean by this is that a credit rating is what is checked by everyone nowadays.
No matter what it is you do companies need to know how trustworthy they are and that is the only way they can make that judgement.
Brown Does Appear To Have Helped Many People: Based on his decade working as a CEO at C&D Capital Holdings.
The YFS Academy Review – CONs
There Are No Student Reviews Anyway: This sure is a sign that maybe three aren’t that many people who have paid for this course.
Not Sure Why Investing In The Stock Market Is There: The stock market is a very volatile industry and whilst he might be able to better your credit file.
The last thing you are going to want to be doing is getting into financial difficulties after all the hard work has been undertaken.
The great thing about the internet is that there is an abundance of courses at various prices and there is no need to pay this type of money.
YFS Academy Has A Negative Rating: If you go to the Better Business Bureau you will see that they have a -C rating which isn’t good.
YFS Academy Review – Conclusion
Unfortunately, and you must have heard this many times, we are all in debt but it is how you handle that debt that counts.
If you miss a few bills or are late you can see it marked up on your credit file which unfortunately may go against you.
One thing is for sure when trying to get the right information from these credit agencies is that you are wasting your time because they will never give you a straight answer.
On a few occasions after a few years of getting my rating to 885, I have seen the rating drop by 60 or so points and there was nothing untoward.
I pay my bills and nothing was out of the ordinary yet my credit rating dropped and when I query this they couldn’t give me a straight answer.
The internet is full of useful FREE information on this matter and with a few careful searches, you should be able to find what you are looking for.
Would I pay for YFS Academy?
Well, no I wouldn’t but maybe a few years ago I might have.
What we do For a Living
It’s called affiliate marketing which is very similar to dropping shipping except you don’t have to worry about using a digital store.
The principle is the same in that you are the middle person and direct the customer to the merchant except you get paid a commission on a sale.
It also means that you are not restricted and are much more flexible.
Is one of if not the best ways to create multiple income streams.
I have personally been a member of Wealthy Affiliate since 2017 and the main reason why I was able to kiss goodbye to my 9-5 job.
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