Homer's Bankroll Building For Newbies!

I have only been playing online poker for 2 months on Pokerstars but feel my game is coming on considerably. However, due to recent bad luck at 1/2 tables and my inability to avoid slight tilting, I am down overall about $150!

I just visited this site for the first time and found my way to Homer's bankroll building for newbies post. I have a few questions which I would appreicate help with!

1) Is this a complete wind up cos my dad always said "you don't get nothing for free in this life son" [img]/images/graemlins/smile.gif[/img]

2) I am from the UK and use my Visa card to make purchases, so will this prevent me from getting these bonuses; Do I need a Neteller account?

3) What is this Cryto network and why do they offer bonuses to the same person each month knowing they will be losing money overall???

It all seems random to me but everyone seems to be saying thanks and no one has posted a thread disagreeing with Homer!

Thanks for your time guys! I look forward to your responses!