If you've been scammed by Surf Programs and got scared away, let me suggest that you try them again. Only with a new strategy:
(Let's assume $10 upgrade for 14 days at 10% a day)
1-Only put money into Instantly Paying
2-Buy only the minimum upgrade ($10). (You will be paid $1 a day instantly)
3-Advertise the program everywhere to get referrals
4-Upgrade again on day 11 with the money you have collected. You will now collect $2 a day for 3 days.
5-Now Upgrade only after you have collected $10. This will be sooner and sooner until eventually you can upgrade every day and have $140 working all the time. The $10 you put in every day will return $14 every day. You pocket $4 a day and the highest risk you ever had was $10!!
Of course any referral commission is in addition to the above!
Good luck with your profitable surfing!!