This money maker is 99% safe. I have used it myself. Although you may lose any items you both your penguin on the day you use it. Do not click 50,000 coins!!!! Your penguin may be banned.
1. When you get there you will see a page with lots of writeing. Click on the bit saying Club Penguin Money Maker download
2. Then you will get another page giving you the option of downloading the Windows version or the Mac version.
Click save if you want to save it to your computer. Or click run if you just want to use it once off.
4. It will then verify the application.
5. Then you will have the Money Maker page open.
Then all you have to do is type your username and password and select the amount of coins you want then hit Get Coins! It may take a few minutes depending on how many coins you want.