Anon needs money

Likely no to either one. I MIGHT pay the $199 to increase my IQ if I had a large sum to invest and gain at least 10-30 points. That said the two major considerations are that IQ isn't a solid concept. If we do "evil genie" one only needs to score higher on an identical IQ test after paying, which could involve any number of tricks to produce a better test score but no useful life benefit. The other thing to consider is that while a small bump in IQ won't likely make much difference (even keeping in mind it's an ill defined concept), a large jump could dramatically change the way you see and experience the world, how you think, things you enjoy and so on. So a meaningful bump in baseline processing capacity could fundamentally change who you are are, not just possibly in ways you wouldn't want currently or that you may not end up liking, but effectively killing "you" and birthing a new person. So I'd have to really know the details and think on it.

If increasing my IQ means I can make smarter choices that lead to success then I’d pay thousands to raise it a lot and get an easy return on investment

So for $2000 you can go up 10 points. That would put me in genius territory according to some scales. I'd do it, depending on the subject I get to be a genius in. I mean, if it's something like music history, I'll keep the $2k