In recent weeks, ACP (Affiliate Cash Pile), owned by Manuel Gonzalez has demonstrated a severe problem with cash flow. Here are some facts: ACP started out by paying semi-monthly (although for some strange reason they called it bi-weekly) with payouts coming less than a week after the period ended. This seemed fairly reliable. Several months ago he changed to paying weekly (Monday to Sunday), with payouts coming on Wednesday. This is when the problems started. Quite often payments didn't show, and he always had something to blame it on, like a bank issue or other various excuses. Once "reminded" payment usually did happen. It should probably be noted that with the weekly payments, the minimum payment was $100, if you earned less, your payment was carried forward to the next week. Manuel was very firm with this, and payments for less than $100 were not sent, even on special request. This is pretty typical, but its a fact to remember for now. I am unsure if there was a minimum payment for the semi-monthly. A couple weeks ago, on Wednesday afternoon (July 27), Manuel sent an email that he was pushing payments to Friday, claiming an influx of new affiliates. This was despite the fact that he claimed to have hired additional "accounting" people. Why would it take more people more time to complete the same task? When that Friday (July 29) came and went, not a single person could verify that they had been payed. As of Monday afternoon (Aug 1), there was still no confirmation that anyone had been paid. Finally on Wednesday (8/3) afternoon, an entire week late, it appeared that payments did go out to some people that screamed the loudest. Now comes Friday (8/5), another payment due, and not a word from Manuel, or his "accounting" people. He has quit returning emails, text's, phone calls, no way to contact him. Through that weekend, several forums start getting loud about the issue of non-payment. Finally, he steps in on at least one of them (here) late Saturday night (8/6) claiming he was swamped by new affiliates that he was making payments of $50 (remember the $100 minimum?) to all these new people, and claiming that "accounting" had been working hard all weekend making payments. Even with this claim, there was not a single person that could verify that they did indeed get paid, for any amount. Now comes Monday (8/8), Still, not a single person could confirm payment, yet he has the gall to tell people to double check with their banks or paypal or however they got paid. After it was obvious that the forums were getting louder, he finally did make payments to some of the loudest. Finally, late Monday afternoon, a few affiliates did confirm payment. Its still unclear even to this date if all affiliates have been payed (although he claims they have). Through all this mess, on that same Monday, he sends an email to what only appears to be some affiliates, with what appears to be "new" payment terms. There were all sorts of changes, limits, and restrictions, but if you read carefully between the lines, it essentially said that he was moving to a monthly payment and paying out 15 days after the month. This presents two issues: First, this means he has now "bought" 45 days before he has to make another single payment. Second, these new terms came out AFTER money was already earned, but not paid (specifically for the week of 8/1 to 8/7). This money (which should have been paid on 8/10) still has not been paid. If he had any integrity, this would have been paid, as the new terms weren't published until after this money was earned and owed. This issue alone casts doubt on anything that he has to say, as he's made it clear that his word and agreements don't mean anything. Typically the first issue comes up when affiliate programs are poorly managed and they have destroyed their cash flow. Every time I've ever seen terms change this dramatically, its not long before they are out of business. This is an attempt to keep affiliates working for them for another 45 days before affiliates finally figure out the cord has already been pulled. The second issue is especially scary, because it doesn't take more than a few seconds of research (internet is great, isn't it?) to figure out that Manuel really is a party type person, and blows money as soon as he gets it. Is he responsible enough to hold onto money for 45 days without being tempted to go out and party with it? I have very serious doubts. For someone that already has such a history of mis-management (like having to be reminded to pay), this isn't a good combination. I believe his income is really going to be slaughtered now because it wouldn't surprise me if many affiliates have quit pushing him, so he won't have much money coming in for the next 45 days. Talk about a double whammy. With all of this, there are only two possible conclusions, but either one is bad. First, he is experiencing major cash flow problems, in which case payments will always be a fight in the future. Second, he has decided to pull the plug (call it retire if you want) and wants to pinch out every possible penny by continuing to promise, then delay payments, then finally walk away, without making another payment. You can view this however you want, but I really believe the facts speak for themselves, and I can't in good faith keep quiet on this while people are still working for him.