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Wondering what these "pay to surf" companies are? Here's the deal: These companies will pay you by minute if you allow a small, removable banner ad to sit on your desktop while you use the internet (You should be being paid while you read this!). They are 100% free to join and will never cost you a dime.

Most programs will pay you between .40 and .60 cents an hour(You can use several at once, see tips below.) The real money though is in referrals. You can make an astounding amount of money just by referring a few people. You can refer an unlimited number of people and those people can do the same. This continues for 3 to 6 levels depending on the company(Your referrals EXPLODE like a chain letter!). Some people literally have thousands of referrals and get paid for each one of them. All Advantage already has 5+ million members, some of which have already received very large checks. Check out the programs' cash calculators and you'll be amazed. You'll also probably think it's a scam. It's not(See Wash. Post article & scanned checks below). First of all, these companies compete with each other so they have to offer high payout rates. Second of all, if you refer them a ton of people they'll gladly send you a huge check each month because they're making money off each person that you refer. They don't have to spend any money on advertising either.

SCANNED CHECKS- Here's some checks that people scanned and put on the web.

All Adv. 1

Cashsurfers Check 1

Cashsurfers Check 2

Cashsurfers Check 3

Why You Should Sign Up For More Than One Program:

1. You can use several banners at once, especially valuepay.(See tips for using several banners below.)

2. Most of them limit the amount of hours you can use their banner in a month.

3. Everyone knows about All Adv. However, many AA members are unaware of the important info on this list and are prime targets to sign up for additional programs.

4. Some programs don't require you to match your referrals hours, so even if you don't use the computer much your referrals might. They might max out on All Adv. and need other banners to switch to.

5. You might have 30 referrals for one program, but your referrals might not have any and would quickly switch to a different banner. If your All Adv. referrals prefer Epipo they'll switch and you're screwed!

6. IGNIFUGE pays you JUST for having a start page.

7. Sometimes a viewbar just won't work properly. If this happens, you have backups.

8. You don't know which banners you'll like. They're all a little different and have different rules.

Tips For Using Several Viewbars At Once:

1. Increase your monitor resolution. This will shrink everything on your screen, making the viewbars smaller. Go to MyComputer, control panel, display, settings, and increase the screen area(resolution).

2. Increasing the resolution will probably make the print too small to read. To fix this, go to View at the top of Internet Explorer, then choose text size and increase as much as necessary. Netscape Nav. has a similar function.

3. Drag your bottom toolbar to the vertical position on the right of your computer screen. This will free up some more room.

4. If you can, get a 19 or 21 inch monitor. OR, you can buy a small, used monitor(try ebay or ubid.) Then you can run 2 monitors off 1 windows 98, allowing you to throw all your viewbars on the separate monitor. The monitor will cost under 100 bucks and pay for itself in less than 2 months. I'm not exactly sure how to do this, you may need an additional program but it can be done. Try www.cnet.com for more info.

Note: You don't have to have website to promote your programs online (but it helps alot). For example, when you sign up for UtopiAd you get your very own UtopiAd webpage that you can plaster all over the internet. Check out Ghostsurfers, MaxRef and RefMaker on my site to get your very own web page to promote.

Note: Getting paid to surf the web is really only the tip of the iceberg. Once these companies get their feet on the ground there will be many other ways to make money. In the future you will be paid for you offline time as well. Once you get your referrals, they're yours for life.

Note: Sometimes the links for these companies may be down. These companies are growing rapidly so it's to be expected. Just check the link later if it's down.