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There's no shortage of scams looking for suckers, so give all get-rich-quick schemes a wide berth. You don't have to end up poorer to get wiser. Do your homework and take no guaranteed income claims at face value. You still may be able to parlay an idea into a moneymaker, but face the fact that you must do it the old-fashioned way -- with hard work. No system is going to make you an overnight millionaire, especially if you have to pony up a sizable seed.

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