Make Money Easy ! Scam or Trap ?

Ever seen easy money making offer ?  They are always very convincing - - -

There is NO SUCH THING as Passive Income

By now, the word "Passive Income" is so Overrated !!

Some even are promoting it as Get Rich Scheme where you don't need to do anything and yet you are able to earn income for FREE !!

The very FIRST thing in Personal Finance

Until now, when teaching in Personal Finance, a lot of gurus still emphasize the very first thing is to identify a Goal.  While that is true but there are a few disadvantages with that approach;