Wow...so much unchecked bad info in here. 1.5% / mo is 18% per year - it's well within the range of attainable returns for straight investing in a variety of moderate risk vehicles. You get paid to take risk, not sit around and play it safe. If you listen to these broke ass clowns telling you anything that pays that much is a "scam" you'll end up just like them - and I know for a fact several of them are scammers.