About Us
Welcome to Scamrisk! My name is Josiah and this is my dad, Joel. Between the both of us, we make up the team here at Scamrisk.com!
You might be wondering – why in the h*ll would you two spend time making a website that writes about programs online?
Great question!
Between my dad and me – we’ve been involved in a bunch of “money making” opportunities over the years. In college, I messed around a lot with affiliate marketing, Amazon FBA, etc.
When I was growing up, my dad was involved in a few different MLMs – Cutco knives, NuSkin, and other things like that.
What we came to find was that some of them had some real validity – AKA you could actually make money with them – while others were a complete waste of time and money.
So we started Scamrisk to help educate people about what’s what in the space of money making opportunities, so that they could decide what is genuinely best for them.
After failing with a bunch of different opportunities, we finally hit success with a lead generation program taught by our mentor, Joshua T. Osborne.
My dad was able to quit his full-time job working for the local government, and I was able to not have to ever step foot inside of a traditional “office”.
Here’s a brief timeline of our story:
- 1992: Joined CutCo while in college and tried my hand at selling knives to family, friends, and complete strangers to help pay for tuition. Although the products were good (they would have to be at $500-$2000/set I thought) I couldn’t really make it work.
- 1993-2000: Joined NuSkin when a friend of mine in College turned me on to the idea of Network Marketing. This was the first MLM company I was introduced to and the business model intrigued me. With all the rallies, new product releases, and upline “diamond” executives boasting of fancy cars and big houses, I was hooked.
- 1994-1997: Still struggling to get my feet under me with NuSkin, I started working a long line of Temp jobs.
- 1997: Got a job working as a Bank Teller / Loan originator at a local branch which lasted for about 10 months. With all the small business owners that I had the privilege to get to know during this time, I came to the realization that I wanted to own my own business some day.
- 1997-Present: Got married to a wonderful young lady and left the bank to start working for a hospital pharmacy.
- 1998: First son, Josiah, was born. Let me tell you, Fatherhood brought perspective crashing in like a freight train. I took a job at EDS doing Tech Support and decided to go back to school to finish my computer science studies.
- 2001-2003: Second child, Jordan, was born. Finally got my degree in Computer programming and web development.
- 2003-2007: Started working for Pearson Education doing web and application development for their in-house sales team.
- 2005: Third child, Jeremiah, was born.
- 2007-2020: Started working for a local County Government doing web and application development. It was during these years that I began feeling a sense of defeat. I was making decent money, living in a nice home, driving nice vehicles, but I still didn’t feel in control of my life.
- 2019: Started researching ways to make money online. I found Digital Real Estate and ran the idea past my oldest son to see what he thought. We both really liked the idea of creating income generating websites that we owned and could duplicate. We started doing this part-time while I was still working for county government and he was finishing up his college career.
- 2020: Josiah graduated with his degree in computer programming, We jumped into Digital Real Estate with both feet and haven’t looked back.
In the years since, we’ve been able to invest in other businesses (like this website you’re on), buy real estate, and ultimately become the entrepreneurs we’d always dreamed of being.
Josiah's Background
I grew up in a small town right outside of Indianapolis, Indiana. It was a pretty quiet town… a lot of dirt roads, a nice little church or two… the epitome of “small town America”.
I was never the most outgoing person in the world. Mostly kept to myself, did well in school, and lived my life.
I always loved cars. One of the highlights of my success in the program I mentioned earlier was being able to buy my dream car, a 1200 HP Chevy Camaro ZL1.
I attended Purdue University and graduated from Indiana Wesleyan University in 2020 with a degree in Computer Information Systems.
Pretty big waste of time and money if you ask me – I still hold a little bit of a personal vendetta against the education system, but that’s a story for another day.
Anyways, that’s me – now I spend my time writing articles here at Scamrisk!
Joel's Background
Like Josiah, I grew up in a small town in Indiana – Brownsburg, in the early 1980s.
It was initially a pretty small town, but exploded overnight in the 90s.
I started off studying computers in college, but ended up dropping out a year later.
I got married in ‘97, but went back to school and got my degree in 2003.
I’m not necessarily the car buff like Josiah, but I was able to buy myself a nice new Ford.
For me, the best part about Scamrisk is being able to work hand-in-hand with my son. Not your traditional family business, but we’re having fun!
