Lifetime Income Report Review

Is the Lifetime Income Report Newsletter a Scam? Yes and No.

Nasdaq, the American stock exchange, reached an all-time high, and the Bitcoin price is at an astronomical level. I think both of us can agree that right now might just be the best time to invest after all. 

And maybe you pondering on the question of whether the Lifetime Income Report is a scam or a legit financial newsletter is one of the reasons that got you to land on this page. 

There’s no denying that this season was off to a good start considering that we saw quite an improvement compared to last year. 

If there’s one thing that we should all be thankful for, we finally see the light at the end of the tunnel regarding the pandemic. 

With countries finally being able to order doses for their citizens and are rolling out mass vaccinations, the people are finally entertaining the idea of going back to the streets and returning to the life they had before.

Some schools and universities are now processing plans for possible full-time face-to-face classes by the end of this year. 

On the other hand, companies and firms are starting to hire more people and are studying whether they should continue with the remote setup. 

easily the best way to make money online!

best way to make money online


But hey, there’s more to the story. 🙂

The fact that the vaccines are ready, the stock market is being characterized by rising share prices. 

Initially, we all thought that the stock prices related to the medical field (like Pfizer, Moderna, Merck, Avantor, Thermo Fisher Scientific, and West Pharmaceutical Services) were the only ones on the rise. 

However, you might be surprised that many other connected fields have also been generating so much money from the pandemic. This includes: 

  1. Couriers: FedEx, UPS, and DHL. 
  2. Airlines: United Airlines, Southwest Air, Volaris, Cathay Pacific.
  3. Manufacturing companies: Arkema, Emerson, Trane Tech. 
  4. Retail chains: CVS Health, Home Depot, Walgreens Boots. 
  5. E-commerce and touchless payment schemes. 
  6. Tech companies: Microsoft, AMD, Nvidia, Nintendo. 

I could honestly go on and on with the list of all the sectors that have gained from the recent events, but let’s skip that for now and focus on the real reason why you’re here – your interest in investing. 

Perhaps you know a trader or saw a few port snaps on social media, and the repetitive posts may have made you question why haven’t you tried this opportunity still. 


Well, if it comforts you, you’re not the only one. 😊

Towards the end of the past year, we saw a sudden rise in people interested in investing in the stock market. 

I suppose many people have decided to learn more about the stock market and the technicalities surrounding that subject, given that they didn’t have much to do during the lockdown period. 

I know that some of you might find it hard to believe, but trading, in general, is no longer just for the pros but for teens too

Young adults see the stock market as one roller coaster ride where they can earn money straight from their phones using easy-to-navigate brokers like RobinhoodeToroWebull, and TradeStation

And to be honest, there is nothing wrong with that as long as they know what they are doing and are psychologically prepared for the consequences of trading. 

Since we are seeing these young investors earning so much with just minor investments, most of us are starting to like the idea of investing too.


Nevertheless, the stock market does not have its trail. 🚧🛣️

The long voyage to riches is difficult, especially for those who do not have time to monitor the market and learn the technicalities, fundamentals, and charting. And this is where newsletters come in.

You see, to trade better (especially for newcomers), you need to have some sort of guidance that can be your basis for every stock position.

Is Lifetime Income Report a scamOne example is the Lifetime Income Report by Zach Scheidt of St. Paul Research. Allow me to share my honest review today to help you understand whether this is a good investment for you and your stock trading career. ⭐


But before we dive into it, let me just state that I am not connected with St. Paul Research in any way, shape, or form, nor am I being paid by the company or by Zach himself to share my opinions. What you will read here are my honest thoughts about the newsletter and nothing more. 

By the end of this article, I will also share the exact step-by-step process of making a living online and elaborate on why I believe my way of earning is somewhat better and more superior to trading. 

If that sits well with you, then off we go! 🚀


Is Zach Scheidt A Scammer?

I am a firm believer that the product is only as good as whoever is behind it. You see, when it comes to financial newsletters, there are lots of scams out there who are just giving out stock recommendations based on pretty much nothing at all. 

Some newsletters are written and published by people who do not even exist or those with sketchy backgrounds like Teeka TiwariJeff Yastine, and Tom Gentile.

To spare you from the risks and for us to understand whether this financial newsletter is worth our time, allow me to introduce to you Zach Scheidt, the editor of the following advisories: 

  1. Lifetime Income Report
  2. Contract Income Report
  3. Income On-Demand
  4. Buyout Millionaires Club
  5. Family Wealth Circle.

Our guy, Zach, holds a degree in Business Administration from Lee University and an MBA in Finance from Georgia State University. 

Immediately after graduating, the young Zach joined SunTrust Bank as an accountant, where he dealt with costing analysis for bank products.

A year after that, he became the General Partner of Piedmont Investment Advisory, where he dealt with fund positions for eight long years.

Seeing that he is good at his craft, he co-founded the Mercenary Trader, an online community for aggressive traders. 

During that time, he wrote and gave financial advice to the famous publishing company Agora Financial.

Aside from those, he has also been selling his books entitled the Congress’ Secret and the Big Book of Income

He masterfully showed his expertise in income investing in those books and how you can imitate the same results. 

However, do note that even he consistently tells everyone that he is still “a student of the markets” and does not know everything yet.


And for me, that’s a good sign. ✅

If you follow a guru in finance, that should be someone who is not claiming or promising that you will get rich just by observing them. 

At the end of the day, no one knows how the market will go. People can predict all they want and even use historical data, but we all know that past results do not guarantee future success. 

So, if you will ask me, I like it that he is not pressing anyone to follow him or his advice. Social media-wise, he has around 1.3k followers on Twitter and no Facebook page under his name. 

I happen to stalk him on his personal Facebook account, and it warms my heart to see how family-oriented he is. His posts are not about investments but of his seven beautiful kids, which he calls Sheidtlings.

IS ZACH SCHEIDT A SCAMMERWe have been reviewing various investment editors for the past few months, but this is the first time I am seeing someone who posts more about his family than the investment calls and forecasts he makes. 👪


Unlike other popular editors aside from his website and his St.Paul Research page, I cannot really find him anywhere. 

I mean, he has not been invited by any financial media powerhouse or anyone at all. And this made me wonder if there is more to him.


And guess what? My instincts never seem to disappoint. 👍🤪

Apparently, back in 2019, our guy Zachary Scheidt was involved in bogus diabetes ‘cure’ pamphlet and was found to be advertising claims that consumers of this so-called cure can collect $1trillion in Congressional or Republican Checks!

Given the gravity of the claim, the FTC has filed an official motion to block the publishers of “The Doctor’s Guide to Reversing Diabetes in 28 Days.” 

While he is not the leading writer for this report (Dr. Richard Gerhauser authored it), Zachery is the one writing about the Congress’ checks! 

And the Federal Trade Commission found that the marketing materials used for the promotion of the checks are all photoshopped.


So, what does that mean? 🤔

Well, from the way I see it, Zach has the experience and the education, and we can all agree that he is good at what he does. 

However, the fact that he has a tainted past makes me want to stay away from him and any of his newsletters. Come to think of it, would you like to follow someone who FTC has sued? I don’t think so.


Lifetime Income Report Review

Now that we know that the editor of this newsletter is not as credible as others, let us now move on to the Lifetime Income Report review. 

Like any other financial newsletter, the Lifetime Income Report promises to send financial advice related to debt, tax, and investments. It is published by St. Paul Research which is under Agora Financial.

If you have been following this website, you probably have read tons of write-up about this company. 

You see, Agora is a big firm to deal with, and it has varied customer perceptions, as you probably can see from their BBB page. 

The company is legitimate, but the quality of their newsletters is still a bit on the edge as FTC has sued most.

So, if you will ask what my thoughts on this are, I still think that there are other newsletters out there that may be worth your time and have editors who are actually popular in the field. 

I am not saying that the Lifetime Income Report is not good, okay? What I am saying is that you have to be cautious about it.

The newsletter focuses on the idea of helping you earn around $17k through the super-secret “social security contract.”

it is what it isIt primarily gives suggestions involving dividend-paying stocks, so your task is to stay invested for the medium to long term. In this sense, if you are interested in gaining profits instantly, then this newsletter is one you should seriously consider skipping. ❌


This one focuses on helping you build money for future plans like retirement, possibly a home, or your children’s education.

It claims that if you follow them blindly, you can earn regardless of the financial situation (like market crashes or sudden price fluctuations). 

For me, that claim alone is really sketchy as no one can ever guarantee that you will be on the green trend every single day. Even seasoned traders have losses, too, in real life!

For just $99 per year, the membership fee will allow you instant access to some of the following benefits: 

  1. The 12 Lifetime Income Report newsletters 
  2. A discount on the copy of the Big Book of Income 
  3. Weekly updates

I know that $99 may not be too much of a high price for some of you, but trust me when I say that there are far better newsletters out there. 

I mean, what I realized is that they do not actually post how much exactly should be capital or investment needed for their positions. 

You can indeed gain so much from dividend-paying stocks, but from my experience, you also need to shell out a lot to get gains.

I tried it before in the stock market, where I invested around $500 just to see if there would be some profits from it, and after holding it for five months, I learned that it is possible to earn a few dollars, but it will never be doubled or tripled, as they say. 

In this sense, I find it misleading that the Lifetime Income Report is not specifying how much precisely to invest to “feel” the gains.


Is Lifetime Income Report A Scam?

I cannot really say that the Lifetime Income Report is a scam since it provides what it says it will provide: a newsletter. However, if you ask me about the quality, I highly suggest staying away from this. 

Instead of investing $99 on them, I suggest you simply go online and search for “top dividend-paying stocks this 2021,” and you can find better suggestions like those from InvestopediaThe Motley Fool, and US News.

At least these sites can give you enough information and analysis on how much you can earn. More importantly, there are things that I do not like about this newsletter. 

Firstly, the editor seems like a nice guy, but we cannot leave out that he has scammed people into believing about the Congressional Checks. 

Secondly, I wouldn’t say I like the fact that the Lifetime Income Report does not have clear explanations behind their stock picks, nor is it trying to help the members understand why the stocks are good enough.

Now, if you are really interested in experiencing a change in your finances, I highly suggest that you check out my most recommended way of earning online that is way different from stock trading. 

I mean, it may never have the same momentum that may earn you tons of cash, but this one is consistent and will pave the way for the type of income that can finance the life you want.

Interested in it? Keep on reading below. 👇


How I Make A Living Online

I firmly believe that not all opportunities are created equal, nor should you try all of them. I mean, I totally understand the hype around the stock market and day trading, and even I, myself, can attest that it’s indeed profitable.


However, what I do not like about the market is that it is not beginner-friendly.

The stock market undoubtedly remains a great opportunity with even greater profit margins, but every so often, investors tend to forget about its riskiness and therefore face heavy losses.

Whether you win or lose depends mainly upon your decision-making skills and your ability to choose the right stock at the right time, which not many beginners are good at initially.

In this sense, if you think that you can simply sign up with a broker, invest some spare cash, and earn from it, then you are on the wrong track.

Like any other investment opportunity, you must put in a lot of time to understand the consequences and the gambles involved.

Now, suppose you want something that’s significantly less risky but can still provide you with consistent, long-term income.

In that case, I believe now would be the perfect time to introduce you to the very same business model to whom I owe my success and show you the exact step-by-step process of how I make a living online.

Please don’t get your hopes up thinking that I’ll be sharing some get-rich-quick type of scheme because those kinds of systems don’t exist, and even if they did, you sure as hell wouldn’t find them here.

The business line that I’ll share with you in just a minute works like a charm, but having said that, it does require your utmost attention, some level of perseverance, and a little bit of elbow grease.

Lifetime Income Report ReviewTo better understand what I’m dealing with and how I bring home the bacon, I suggest you take a look at my money guide, as it spells out everything there is to know about my line of business.💸💰


Inside this how-to-book, I speak about some of the reasons that got me into this, a few challenges that came along the way, and I even share what I believe is the best way to get started online for nearly one buck per day.

I’m sure you’ve heard of it before, but just in case you haven’t, I’d be more than happy to introduce you to it and share a few of the reasons why I think that my business model is far superior to trading.


So, without further ado, what I do is called affiliate marketing. 👈

As an affiliate, my job is to promote and sell other people’s products and services, and in return, I earn predetermined, most often than not recurring commissions.

There’s no doubt in my mind that affiliate marketing is by far one of the best, most suitable, scalable business models for beginners out there.

I’ve tried a few of them throughout the years, and none of them work as well as affiliate marketing does.


Whatever you do, just please don’t get me wrong. 🙂

I’m not trying to say that other businesses don’t work. It’s just; people do need a reality check and must understand that not all of them are suited for learners like yourself, I presume.

Unlike other business models, affiliate marketing is significantly less complicated and will not require substantial start-up costs.

As someone who did both, I can comfortably say that online marketing beats trading every day of the week, hands down.

Online marketing is not as demanding, and you can literally get up to a thousand dollars per month in sales within a few months of starting.

It’s pretty affordable as all you need is a website, a course, and a little bit of time and effort to understand how everything goes. Basically, you need less money and less time to earn consistent income.

On the other hand, trading can grant you a lot more profit-wise, but your earnings won’t be as consistent, and the stock market itself requires a lot more practice and study, which will likely lead you to lose even more money along the way.

Of course, there’s always the possibility of you being smarter than everyone else and therefore developing a winning track record sooner, but that probably won’t be the case, and you’ll end up losing all of your savings.

At the end of the day, the choice is entirely yours, and I’m just here to make sure you’re comfortable with whichever path you take.

I think it’s about time I wrap this up, so hopefully, you liked my Lifetime Income Report review, and I was able to provide you with a solid answer of whether it’s a scam and a complete waste of time or not.

If you happen to have any questions about any of the topics we discussed today, feel free to leave a comment below, and as usual, I promise to give my best to get back to you as soon as possible. 👋



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