Joe Karbo, author of "The Lazy Man's Way to Riches," has pioneered several of the techniques used in get-rich-quick schemes. A typical pitch contains: (1) claims of how easy it is to master the plan; (2) testimonials from ordinary folk, and sometimes quotations from newspapers and magazines; (3) criticisms of competing plans (some even say the author tried other schemes and failed--until he hit upon one that works); (4) a limited time offer; and (5) a money-back guarantee, sometimes even more than your money back if not satisfied. Most schemes are part hype and part information about how to operate some type of business, often direct marketing. Plans include "sure-fire ways to beat the horses, win the lottery, sell mailing lists, arrange loans, help people get money from the government, or peddle travel club memberships. Most established get-rich-quick companies sell nothing more than information about how to sell get-rich-quick schemes. They tell one how to write ads and select media to peddle one's own publications and how to make a million. Better information about money-making techniques is available free at the public library. (MS)