The Big Book of Income Review

The Big Book of Income review is about Zachary Scheidt’s book. The Big Book of Income is a financial book of secret ways (according to Zach) to increase your income and wealth.These methods of generating income and wealth were only known to the very rich and well connected. Zachary claims you will learn how to achieve steady income and gain a few quick windfalls.So, we will peel back the cover and take a look at this in the Big Book of Income review.

  • Author –  Zachary Scheidt
  • Publisher – Agora Financial
  • Price – $4.95 with $99 Newsletter
  • Quality – Poor
  • Rank – 3 out of 10
  • Verdict – Scam- some techniques are just not possible

Table of Contents

The Big Book Of Income Review Found 47 Life Changing Income Tricks

The techniques claim to include ways to increase your SSI income by simply adding one word, or earn 12 times more interest from your savings account.

These words ring out to people desperately trying to live on a meager check each month.

But, it is not exactly as easy as Zach makes it sound. Some of these tactics are unethical, or worse.

The idea is to sell his monthly newsletter, and his newsletter sells even more information. Simply, work longer and collect your SSI later! No secret there!

The Big Book of Income Review Also Found Free Gold

When you read about having free gold shipped to your home and people claiming it amounts to $1800 a month, it starts to sound good…TOO GOOD to be true.  Another person is claiming to be receiving $4000 per month.

Beware of Disclaimers

If this were all true, why would a disclaimer be needed? Why would it need to be shaded and hard to read?

Disclaimer for Big Book of Income Review

Why is this repeatedly shown over and over again?

It tells you that these results are not typical, and you can lose you money.

The disclaimer is a Red Flag warning this will be dangerous to your wealth?

All the claims are exaggerated. Sure, you can make money with options, but you need to be damn lucky!

The people who make the money in options are the people who SELL THE OPTIONS. Why. Simply because most options expire worthless!

Other Claims Made By The Big Book Of Income

  • a 2% contribution match on your 401k
  • Free electronics and household goods, Plus a REBATE
  • Free gold at the grocery store
  • $1200 a month thru a homeowners income loophole
  • Tap into a Royalty stream from Thomas Edison– Everybody is eligible!

He claims, not surprisingly, that these lucrative strategies and many others are only spoken about in private circles among the well connected. It is also a fact, that it may require a significant amount of money for investing as well. He is not telling you all the facts.

The Big Book Of Income Review Found Some Techniques Are Not Secrets At All!

What Zach is telling you about increasing social security income, are common knowledge facts that you can find out by talking to your SSI office before you retire.

Such as, delay collecting your SSI for a few years, will result in a bigger check, or simply working longer.

You don’t need to pay someone to find out this information. It can be obtained free of charge, and does not require you to pay for it. Furthermore,it is not a secret of the well connected.

The Big Book of Income Review discovered the only way you get the book for free is by purchasing his newsletter. That’s right, he advertises it as free, but there is a costly catch. A yearly subscription fee to Zachs Newsletter.

Cost-  $4.95 shipping charge and a $99 Newsletter subscription fee for Zachs Weekly Squawk Box.

The Big Book Of Income Offers A 30 Day Money Back Guarantee

And if you are not delighted, you can get your money back. People have gotten refunds when they cancel, so I guess you can try it out for 30 days. If you are not satisfied, then cancel. If you wait till after 30 days, no refund.

And here is another trick to hook you. Zach states: If you order when there is a backlog of printed copies of his book, then you may have to wait up to a month for your copy.

This Is The Catch That Makes It Impossible To Get A Refund

If you wait till you receive the signed copy, you will not be able to get your money back. The limit of a month(30 days) will have passed. Thus, you will be unable to get a refund. This is the Major red flag! Most scams do exactly this, knowing they can legally keep your money because you failed to cancel.

He does offer an online version of the Big Book of Income scam, so if you look that over first and don’t wait for your signed printed copy, you will have time to get your money back.

This is the typical useless newsletter that takes your money until you have had enough and cancel. I have wasted a ton of money on scams just like this over the years, and most are not worth the paper they are printed on.

Find Out What You Can Do Here

If you should have a problem getting your money back, here is some advice on what to do Legal help for Scams.

Pros and Cons


  • There is some investing advice
  • Some tips are ok
  • Does offer a refund for 30 days
  • $99 bucks sounds reasonable for original newsletter


  • More ads for you to send money than investing advice
  • Investments are very costly
  • Some advice is unethical
  • Too costly for some people on Social Security to deal with stock options
  • Some additional information is quite costly- $5000 a yr


The Big Book Of Income Review Found Some Comments From Subscribers

…”Most of the advice included in the newsletter is to invest money into stock recommendations. Those may or may not workout. The big gimmick in the newsletters is hype and ads to subscribe to the newsletter, and buy more information. The newsletter contains very little information about the recommendations”….

…”Ads, ads, and more ads to buy more information. Among all the “try risk free” ads, there is little investing advice”….

…”Loaded with hype of “making thousands” in a few weeks, and promises that you will continue to make thousands. This is simply a too good to be true pitch and a get rich quick scam. The claims are hyped and most are available information without having to pay for it”…

Mostly Hype and Sales-Pitch

The Webpage ad is a sales funnel and email capture page that should send up another red flag of sleezy marketing. It offers a digital download, but claims you must hurry because only 450 copies are available. Digital downloads are unlimited. This hurry up and buy pitch is typical of scammy deals.

Agora Financial 

Agora Financial is one of thirty companies that originated from a company called The Agora. In 2003, Agora Financial was charged by the SEC, producing fraud in their newsletters. This seems to be a pattern of published material they produce.

 Wikipedia States:

“There are dozens of complaints and articles towards Agora Financial because of the fact that they do not credit you back after a purchase and untrue claims about how much money you can make through their systems.”

 Verdict – Scam

The name should be the Big Book of Income scam. The information in some cases is correct and you CAN make money off the suggestions for investing. However, some of Zach’s methods are unethical.Other methods require large deposits in trading accounts and risky options trading. Most people will never come close to achieving the thousands of dollars promised.

  • Author –  Zachary Scheidt
  • Publisher – Agora Financial
  • Price – $4.95 with $99 Newsletter
  • Quality – Poor
  • Rank – 3 out of 10
  • Verdict – Scam – poor and unethical methods

Final Word

 A few of the investments are legit, but they have many complaints about denying refunds. For those reasons, I will rate it slightly above a 1 and give it a 3. But, only for that reason.

This is not a good quality investing or wealth producing book or newsletter. It will likely lead you to buying more and very costly worthless information. The Big Book of Income is nothing more than a giant sales pitch generating income for Zachary.

Save Your Money

Anyone would do better, saving their money and doing their own research. It is simply a gimmick to get you to pay for a newsletter full of ads promoting other ways to get your money.

Some methods are just too costly and complicated for most retirees! Other methods are not a good idea. If you are found cheating on your retirement, you could lose it completely! 

This newsletter also sells your email address to other publications. Just what everyone needs!! So, if you are wondering where that spam comes from, now you know!

If you have any experience with Zack and The Big Book Of Income, let me know your experience in the comments below. Any questions or comments will be answered promptly.


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35 thoughts on “The Big Book of Income Review”

  1. Good evening Chas

    I was just about ready to delve into this venture when I came upon this article. Thank you for the valuable information. I receive a military retirement pension along with SSI including my wifes. We don’t have a lot but what we have is precious to us. I wish I could go back to work. That’s the best way to make money; however my health will not permit this venture. Anyway, thanks for the information.

    • Hi Tilton,
      Thank you for your service.I am glad I could help. I am familiar with that type of scheme because I wasted my money on several newsletters doing the same thing.I want people to save their money!Especially when they make it almost impossible to get a refund once you realize you have been duped.They guys are publishers affiliated with agora publishing. That says it all.

  2. I,m very happy that I read all the comments on that scam thank all
    L the people who taker the time to warn others for it a thousand thanks too all
    Of you

    • Hi Sylvia,
      Glad I could help you! Even saving one person from sending their money makes it worth the effort!
      Thank you for taking the time to comment! Please stop back!

  3. Thanks for the honest review, Chas. I smelled a rat in all his lengthy come-on so decided to see if my hunch was right. Bingo… I came across your review and my money isn’t going anywhere.

    • Hi Willis,
      Glad to hear you saved your money! I was a fool and wasted mine on earlier newsletters by the same company agora publishing. Nothing but ads to get more money! These guys gripe about us, but they are ripping everyone off.
      Thanks for leaving a comment! Please stop back!

  4. Well, my husband is a get-rich-quick kind of guy and falls for these scams quite often. He convinced me to order The Big Book of Income because supposedly writing certain works on his Social Security application will generate a significantly larger monthly payout. I figured that for 40 something dollars, if one strategy is learned, the book has paid for itself. I made it through page 29 before realizing that not one statistic the author provides is referenced on a reference page in the book. In fact, there is no reference page! I knew then that the book was a scam but decided to do an Internet search to confirm and this site did just that. Also, it took so long to receive the book that the promised 30-day money back guarantee has expired just as warned on this site.

    • Hi Melissa,
      I am sorry to hear your husband got snookered, but don’t be too hard on him, these guys are terrific salesmen. I had a newsletter for years that I thought was giving me good advice, but it was just fluff. and the money-back guarantee is useless when they ship the book well past the cancellation date!
      The problem is you are likely on the hook for his newsletter as well as the book. You need to be sure you cancel the newsletter and the book.Check you credit card statement and see if another charge is showing up. You might be paying a monthly or yearly newsletter subscription as well.
      You can report them to the attorney general in your state and request your money back. Follow my checklist and tell them what happened. They may be able to get you a refund.
      I hope that helps! Let me know If I can help you further.
      Thanks for contacting me and leaving a comment, please stop back!

  5. So glad I ran into you…
    Saw I had to put my email and
    Wait to receive “something”…I decided to see if this was legit and clicked on couple of other sites but I was not happy with the results and I saw you gave a write up about this book….thank you

    • Hi Polly,
      Glad to hear you took the time to look for a few reviews before you fell for it! You have to understand that some glowing reviews are from affiliates trying to sell the product you are reviewing. Keep that in mind when reviewing any products in the future. You have to reasonably read all the data you can, then make up your own mind. Thanks for the comment.
      Glad to help you!

  6. Thank you for the heads up.we were all ears listening to his speech.we will not buy.thank you.I consider that stealing from the elderly.

    • Hi Robby,
      Glad to help you out! That’s why this site is here! I want to help people avoid these traps and get their money back!

      It is immoral and wrong! The elderly can least afford and scams or fraud.
      Thanks for taking the time to leave a comment!

  7. Hi Leah,
    Thank you, I am sure others will like to take a look and see for themselves if the book is worth $100, and getting a newsletter that sells the same kind of B.S. A lot of it is investing in the stock market, and that is risky. In fact real estate investments like the fund reits he proposes to invest in have plummeted lately!And using stock options is really playing with fire!
    His secret investment of the rich is DRIPS??? I had drips in my twenties, and wasn’t rich! They were advertised in the Bottom Line publication!
    Thanks for the addy Leah, it is really appreciated!

    • Hi Johnny,
      Thank you for the kind are very welcome! I am sick of being scammed, and I will try to keep others informed as well.The garbage online that just takes peoples money is insane! Comments like yours make it worthwhile! Thanks!

  8. I was just scammed myself because the ad was so misleading. I signed up for the book and paid the 4.95 shipping fee thinking the subscription was free. I received the book thinking that was it. I wasn’t impressed. A couple weeks later, $104 debit showed up in my checking account. It threw my checking into overdraft. I had no warning it was coming. Not only that but now I have overdraft fees, and a couple of my bills were rejected and I have more fees on top of that. So I lost more than the $104.00. I called customer service, and they said I would get a full refund in 3 to 5 business days. I received an email confirmation, but the confirmation stated that I “might” receive a refund, nothing for sure. I alerted my credit union.

    I have very little income right now. My husband is unemployed. I live on tight budget. The thing that really gets me, is I am college educated, and usually better alert from scams. This one even fooled me. I was just looking for more creative ways to earn income and they stole what little I have. I didn’t even get the newsletter!

    I have no recourse. I can’t afford a lawyer.

    • Hi Kimberly,
      I am sorry to hear you fell for his gimmick. It is not hard to do, I personally just got snookered into a scam also, read my article The Smart Pill Scam. And I write about how to avoid scams, and still got caught! I disputed the charge, but it still showed up on my credit card! I cancelled the card to stop any further charges.

      Unfortunately, even a lawyer wouldn’t help in this case, because the fees they charge are ridiculous. Here is an example. I got stuck for a $1500 payment for a car I bought for a family member. I even had the car title encumbered, meaning I take possession if they didn’t pay.
      But it is not that easy. I would have to pay $400 to a repossession company to repo the car, and the car had been run without oil,and had mechanical issues that needed fixed. It was not worth the extra costs. I went to small claims court and won! But, you have to then get the judgement paid!
      I asked a lawyer what it would cost to take them to court, and he wanted $800 plus any court costs and any more legal work was extra!. So, I would have $2300+ invested to “maybe” get the original $1500 back! So, small time thieves know all this, they don’t care.

      This is what these scammers do to people as well, and they don’t care either! ! If you read my comments you will see the author of The Big Book of Income, Zachary Scheidt wrote a comment complaining that I called his book a scam!!His reasoning was that he made $100,000 “in one month” off SELLING the book!! Unbelievable.

      You might ask the Credit Union if they would possibly take the fees off for the bad checks. Tell them what happened,and it really wasn’t your fault, sometimes they feel sorry for us and remove the fees! It’s worth a shot! Good Luck! Thanks for stopping by and leaving your story! Maybe Zachary will read about some of the heartache he causes people!

  9. I am ashamed of the fact that I have members of AGORE, OXFORD INCOME for years. Every time I open a of these many ads I get, I feel like I must have gotten a different book. I have read and re-read the book the direct answers on page 163, 191, 7, etc do not match the questions. I will be canceling ALL open memberships. Thanks is just not enough.

    • Hi Lynette,
      I know exactly how you feel. I received the oxford club newsletter for years, reading and re-reading it to discover it was nothing useful, just garbage. Month after month you wait for something useful and it never comes.It talks about life, and give one long story , but really does nothing to change anything. I felt it was a political view intended to make you think differently, and hide the truth.Then when I researched agora financial, it is true! They bought republican email lists, to use their proven tactics to stir people up! But, none of it helped achieve great wealth, or even increase my income. They just empty your wallet with false hope.They have discovered that they can make millions selling books like these, and newsletters full of ads for more publishing nonsense. I know I got off track from the big book of income sham, But just hearing about Agora brought back some sore memories. Thank you for taking time to sharing your views, and I am glad I helped to awaken your senses!

  10. Chas, Thank you so much for your time to warn us all of these too good to be true scams. As always, I am skeptical about these type of ads and always look up reviews on such matter. I can’t thank you enough for taking the time to alert honest people about this type of hype. I knew that there was a catch to this so I immediately looked up reviews before wasting my hard earned money. I am disabled and can’t afford this type of cheating people out of their limited resource money. Is there anything out there that is real?

    • Hi Tom,
      Glad I saved you some money, I have wasted enough of my own on these get rich quick schemes, and money making newsletters. It is getting bad on the internet, even the honest companies are looking for ways to squeeze us for another buck or two. If you fall for these get rich quick stories, you will find they are mostly hype. What exactly are you looking for? If you might be interested in starting your own business, or you have a product you are looking to promote, then Wealthy Affiliates is for real and they can help you. But , other than that, be careful! Thank you for taking the time to leave a comment Tom, It is appreciated.
      Have a wonderful week!

  11. Thank you for saving me money I really do not have to spend. I was just about to buy this until I read this review and am very grateful for finding it.

    • Hi Kelli,
      You are welcome. Save your money! The whole scheme is to sell the newsletter. Then, the news letter is full of ads for more money! Thank’s for taking the time to comment!

  12. What do you mean “this is a scam?” Completely untrue!
    I made $100,000 in the first month by using (selling) this book!
    – Zachary Scheidt

    • I have no doubt you made a fortune selling the book, but your methods aren’t worth the paper you print them on.You are charging for information that is free for people read. What method is going to make anyone of us newsletter readers $100,000 in one month? I have lost plenty in the stock market and I know for a fact the risky methods you talk about using the stock market is a disaster waiting to happen. Not to mention you have to have big money in an investment trading account most people won’t possibly have or it is their life savings they will most definitely lose.
      Where are the secrets of the rich and famous? You have disclaimers everywhere, why?
      You say the book is FREE. But, we have to send $100 +$4.95 to get a copy??? That is $104.95 in my book…not free! You offer a 30 money back deal, but you also have a disclaimer that says you can have a backlog. So, it could be that they receive the book after 30 days, and are ineligible for your refund without turning a page to look at the book! That is unethical.

    • Hi TW,
      Yep, it is. These guys are after one thing. Your money! It is all spin, and hidden costs. Bait for the news letter.
      Thanks for stopping by, and taking the time to comment.

  13. Thank you for all the information. A fool and his/hers money are soon parted. My money is staying put. I always look for reviews before I buy. Keep up the good work saving people money. Thanks again.

    • Hello,
      That is very true,about a fool and his money.Sometimes, we are deceived by very smart people that make fools out of all of us. Some of the books and newspapers published by Agora financial do sell very well. They are produced by experts who know what bait to feed people.I am glad I may have saved you some hard earned money. Thanks for stopping by and taking time to comment.

  14. Chas, the Big Book of Income has a very catchy title, but it’s a shame that a company would be so misleading! With claims like they make, it sparks most people’s curiosity especially if you haven’t seen greedy, dishonest people before. I really appreciate you writing this article and saving people from the loss of $99 or more! Great article! Very informative!

    • Hi Tiffany,

      I agree the title sounds great! But,once you open the cover, you discover these secrets are not so secret or are not affordable by most unless they have some big savings. Most retired Americans are broke from several market crashes and being replaced by automation. Thanks for the kind words, and if I save one person from wasting his money,it was worth it.


  15. I did find your article helpful. Though I have never came across this program, who knows, I might run into it in the future and fall for it. It does have a very catchy name.
    I don’t have any money to waste, so they won’t be getting my money. Not to mention time. Thanks for your honest review about this system.

    • Hi Sheree,

      The Big Book of income is an ebook, not a program. But, the purpose is to get you to buy the newsletter they sell as a monthly publication. And the gimick is the free offer for the book. You must subscribe to the newsletter to get the book for free. Once you do that, then they send a newsletter full of ads for more products filled with more ads. Thanks for reading my review, and if it saved you from buying in to the hype, it was worth it.



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