07 Dec

Digit Review: Can Saving Really Be This Easy?

digit review

Saving money might cause you headaches and concern, but with technology that can be found on the market today, there is no reason to take advantage of apps that can help you save money without any effort at all on your part. Whether you want to save money but simply don't have the time to put it away, or if your brain simply shuts down at the mention of accounts and banks and money, then Digit might be the app you have been looking for.

Get more than just a black and white answer on if Digit is right for you and your bank account. Read our review to discover what Digit is, how it works, uncover both positives and negatives to using the service, and even get a step-by-step guide to using Digit if you are interested in saving money automatically.

What is Digit?

Digit is a small but growing company that was opened to citizens of the United States in February of 2015, and since then it has been helping adults—especially adults under thirty-five years of age—to actually save money for a rainy day. The company was formed as a response to many young adults being unable to save money, most of them reporting a savings rate of negative 2% annually in 2014, even several years after the recession.

Digit's solution is automatic savings, where the app can monitor your income and spending habits, and then make smart decisions on how much money to put away each month that, ideally, you won't even miss from your bank account. For people who find money stressful, or don't think they can save any money at all, this app can be the perfect solution to begin saving money for your next vacation or large purchase without any hassle at all.

How Digit Works

Today, big banks make their money from one of two financial groups. Either they earn income from the overdraft fees and other taxes placed on the very poor and even broke bank users, or they can receive a respectable interest from the very wealthy, which functions as a charge for managing their large amounts of wealth.

However, modern banks have almost no incentive to create innovation for the middle class, and as a result individuals who do not pay overdraft fees, but aren't massively wealthy either, typically have the very same banking experience as an individual using a bank over five hundred years ago. Digit is stepping in today to bring us some of that innovation that the industry is lacking.

To get setup, you sign up with the app, which is available on the iOS, Android, and even on browsers on a laptop. You will need your bank information handy during this process, but after that everything is simple and straightforward.

Digit will automatically check your spending habits on a daily basis, and it will move money out of your checking and into a separate savings account if you can afford the expense. This savings account is FDIC insured up to $250,000, and you can withdraw any amount of money, at any time.

The amount that is automatically withdrawn is influenced by four major factors: your total account balance, any upcoming income (paychecks or predicted income that is more irregular), upcoming bills that are noted, and traits of your recent spending history.

If you want to actively save money on occasion, putting money into your Digit account is as easy as sending a quick text message. If, over time, you find you are becoming an more active user of Digit, there are over 25 different commands you can use for the service via text message, from changing your nickname to pausing the service for a certain number of days.

What's more, Digit offers a 1% annual Savings Bonus of your total saved amount, input into your account every three months that you are a part of the service. In short, Digit will evaluate how you spend your money, and then make sure you are also saving money as well, in order to provide for your future.


Digit offers 100 days free on their service, so you can start right away without any fees or costs up front. Take advantage of this free trial whether you want to get Digit or not, so you can be sure it is the right service for you in the long run.

Once the trial basis is up, Digit cost $2.99 each month. It is important to note that this is the only way that Digit earns revenue, and they will never sell your data, give you advertisements in the app, or otherwise push unnecessary products on you for supplemental income.

Steps to Get Started

If you want to give saving real money, without any stress or headache, a shot, then use the following steps to get started with Digit.

  1. Download the app.
  2. Create basic account information.
    • Type in your first name, last name, email address, and then choose a new password for your account.
    • Be sure to choose a safe and unique password for your Digit account.
  3. Input your phone number.
    • This app requires a good phone number because most of your communication with the app will be via text messaging for ease of use, no matter if you have internet or not.
  4. Input checking account information.
    • This should be the account from you wish to save, and it should also include most of your spending and income habits for the best decision making by Digit for how much to withdraw.
  5. Start saving automatically!

Pros and Cons of Digit

Of course, like any financial app, there are both pros and cons to choosing Digit. Be sure to consider both sides, so you can make the decision that is best for you.


  • Easy, automatic savings
  • FDIC insured savings account, from which you can withdraw money anytime.
  • Digit Savings Bonus every 3 months.
  • Text Messaging to manage money.


  • $2.99 monthly fee after initial 100-day free trial.

Public Perception (Other Digit Reviews)

This app is rated 4 stars on the App Store, and 4.3 stars on Google Play. Most users gave positive reviews on how easy it made saving money, though some found they were unable to connect to less widely-known banks.


Digit is not the only option out there to help with savings, so if that's your goal, you should also consider competitor apps such as Acorns and Stash Invest.

Unlike Digit, Acorns will simply round up every purchase you make to the next dollar, and move all the spare change into a savings account. This way you can be sure to save money with every card purchase, without making a dent in your spending habits.

Stash Invest works a little differently, and focuses instead on smartly investing your spare change so your money can grow. With this app, you can begin with as little as $5, and put money into industries and other things that you love and want to succeed.

Should You Get Digit?

Digit is a one-of-a-kind application that works overtime to help you save money without any extra effort from you. If this is something you are missing in your life, or if you find you have no savings account at all for a rainy day, then this is definitely the right app for you to sign up for.

07 Dec

WiseBanyan Review: Ideal Free Alternative To Paid Robo-Advisors?

wisebanyon review

Do you have money you want to invest or grow? Can you trust the company you currently let manage your accounts? WiseBanyan boasts being the world’s first free financial advisor. There are many robo-advisors (which is a class of online portfolio management with minimal human intervention because they use an algorithm) out there, so choosing the right one may seem difficult.

There is minimal human interaction, but your financial advice is based on efficient business and algorithms. With WiseBanyan, you get a free advisor without any investment, trading, or rebalancing fees.

According to Morningstar, the average expense ratio for an equity mutual fund is 1.2% for a managed fund, and the expense ratio is .9% for investment grade bond funds. WiseBanyan offers a fee-free service which rebalances your money regularly and invests your money in ETF index funds. Why not save the money on fees and services when there is a free option to use?  

What is WiseBanyan?

WiseBanyan is a free robo-advisor service with no fees or hidden charges. With a minimum investment of $1, users can transfer all of their various accounts into one investment portfolio. The company focuses on having no hidden fees or charges which is the backbone of the business.

WiseBanyan does not make money from fees; the brand has a long-term plan for revenue generation through clients with a higher net worth choosing to opt into paid investments. They promise to:

  • Never sell personal information
  • Give honest recommendations without kickbacks or commissions for specific recommendations
  • Make recommendations to maximize your money, not get more cash from fees
  • Calculate your risk score through an easy to understand questionnaire
  • Simple opening of accounts including Taxable Investment Account, Roth IRA, SEP IRA, Traditional IRA
  • Invest based on passively managed exchange-traded funds (ETFs)

You have nothing to lose and some serious money to gain by transferring all of your funds to WiseBanyan. The company is built on an investment philosophy which covers four pillars including valuable diversification, keeping fees low, passively investing, and starting sooner rather than later.

You don’t need a high net worth to invest your money with WiseBanyan. Individuals with outside investment accounts like 401(k) and 403(b) accounts from other companies can be consolidated in one location. Invest in Roth IRAs, Traditional IRAs, and SEP-IRAs to achieve goals like saving for retirement, long-term investments, savings funds, and more.

How It Works

Choose WiseBanyan for access to an easy to understand interface and immediate investment with a simple questionnaire about your personal preferences. All you need to do as a new user is to sign up and get started. After signing up, just fill out a simple questionnaire to determine individual risk factors. Based on your risk factors, an investment recommendation is made for a percentage of stocks and bonds.

After filling out a risk profile, you include your personal information and then connect your other investments. It takes a few days for everything to transfer and the account to be fully operational. Fill out your information to set up goals for retirement, long-term investments, and financial goals. Some of their key features include:

  • Two-Factor Authentication: This verifies your account and keeps it safe.
  • Milestone Tracker: Watch your money grow with a milestone tracker to remind you of your progress.
  • Automatic Deposits: Set an amount you’d like to deposit on a certain day of the month or day of the week.
  • Innovation: The company is committed to rolling out new ideas on a regular basis.
  • Premium Packages: If you need extra services, add services on to your base account.
  • WiseHarvesting: This strategy turns small losses in your portfolio into tax deductions.

The Costs

There are no costs associated with WiseBanyan which is perhaps their most valuable value proposition to new users. There are no account minimums and no cost for working with this company. The only costs associated with account management come directly from the ETFs, which average at .12% to manage.

Steps to Get Started

Getting started is simple with WiseBanyan, just follow these steps:

  1. Click to ‘Become a Client’
  2. Give the company your email address
  3. Click your email to open a WiseBanyan account
  4. Complete the questionnaire to start building your financial plan, including your birthday, annual income, net worth, milestones you wish to implement, and more
  5. Answer the questionnaire to determine the right allocation to assist in achieving your targets
  6. Make an initial deposit of at least one dollar in your account
  7. Set an auto deposit plan to reach your long-term goal
  8. Enter your personal information
  9. Connect any accounts relevant to your investment portfolio
  10. Wait for an email confirmation once the account is fully approved

Pros and Cons of WiseBanyan

Just like any product, there are positives and negatives to switching your investment portfolio to WiseBanyan.


The advantages of selecting WiseBanyan are:

  • No service fees which translates to more money in your bank in the long term
  • No trading or rebalancing fees
  • Support of a useful algorithm for making investment decisions
  • An investment strategy mission which notes the value of diversification
  • Factoring length of time, risk aversion, and money saved
  • Get the highest level of return based on a set level of risk


The cons of choosing WiseBanyan include:

  • Working with a company that is newer to the robo-advisors space
  • Less interaction with an actual person for investment decisions
  • The company has not proven a revenue stream yet
  • Has fewer assets under management than other companies
  • Limit to the number of taxable accounts you can open, cannot open an account with a spouse

Public Perception (Other WiseBanyan Reviews)

Users of this service offering are pleased with the WiseBanyan services. In a recent customer review, a client says, “Very smooth! No sales pitch, nothing to aggravate me. Called customer service once just to see how I was treated. Excellent! I rate this a 10 for sure.”

A website review said, “It does seem like a good option for newer investors. Not only can you start investing with no account minimums, and no management fees – buy you can buy fractional shares with as little as $10 and get a highly-diversified portfolio that should match the market in the long-term.”


WiseBanyan falls in a class of what is named “robo-advisors.” Several other businesses make their money off of portfolio management or financial advice with minimal human intervention. The competition to WiseBanyan includes:

  • Charles Schwab: Offers a zero-management fee but has a $5,000 account minimum.
  • WealthFront: Focused on tax optimization by has an account minimum and a management fee 0.25%.
  • Betterment: This company has a $0 account minimum but requires a management fee up to half of a percent. Betterment does manage a significant amount of money successfully.
  • Acorns: Free for college students and with no minimum, this service is free, but once a balance exceeds $5,000 there is a fee of .25%.
  • FutureAdvisor: They are focused on a successful long-term portfolio for their clients and has a high success rate of returns. It is tough to understand if you are new to investing and they charge a fee for services.
  • Personal Capital: Makes use of an award-winning software to best read performance of investments, monitor cash going in, and manage cash leaving your accounts. The fee schedule for investing is higher with low investment amounts. The minimum investment is $25,000.

Should You Get WiseBanyan?

WiseBanyan is an excellent opportunity for those looking to make the most of their money with an investment strategy proportionate risk willing to be taken out. If you don’t want to put all of your money into WiseBanyan right away, try a small investment to watch your money group. Have your money managed for free with this service.

09 Nov

Hits4Pay Review – Here’s Why You Should Look Elsewhere

Hits4Pay has been paying their members to read emails in exchange for cash since the early 2000's. They used to be a popular program, but what happened? After 19 years, Hits4Pay was closed due to lack of traffic. In this full review I will be doing a brief overview of this seasoned GPT (get paid to ) site, and share a profitable alternative as well.


Run by Multiple Stream Media, LLC, Hits4Pay has existed for years and  it is one of the oldest online money-making programs. Upon signing up members are gifted $5.

Compared to the signup bonus, the actual payout to Hits4Pay members per email is tiny- usually around 2 to 5 cents. 
There are some discrepancies but most people say that they receive only up to 3  emails per day.  With both a low  income rate and email rate, the prospects are looking like  less than a dollar per week.

If the site has a large database of advertisement campaigns at its disposal, you may even

get more than 20 emails per day. Normally that wouldn't be the case, and you'd be stuck with the normal amount.

As a result of the low pay rate, people mainly focused on the referral side of the pay-to-reads. The equation was simple. If you gain a lot of referrals and your referrals read their daily emails, your profit will go up. The increase wouldn't have been a lot, bu it was still something.

The difficulty with recruitment is that new members have to remain active email readers to count as your referrals.  As soon as they stop reading emails, you no longer earn commissions. Having to refresh your recruits was more and more common.


Upon completing the registration process, members wait until their application is manually approved. As soon as it's approved, a notification will alert newly accepted members.

You get paid once your account balance breaches the minimum threshold, which is $25. Payments are made on a monthly basis while the site usually pays you within a month’s first week itself.

While some had an opinion that this was a rewarding concept, others lamented how it’s a massive time waster.

Hits4Pay: So Why The Shutdown?

Interestingly enough, their parent company also operates, and with great success, another network by the name AdClickMedia. So if they've had such great success with AdClickMedia, then what happened with Hits4Pay?

Normally when an online GPT site shuts down, it usually has something to do with their third-party partners.

To put it into simplest terms, the partnering third-parties were not happy with the results they got and stopped investing. If the third-parties back out, there is no cash incentive for the users. When the customers aren't happy, then there's just no point in running a business anymore.

Putting aside all the big company names, you wouldn't really be missing our with Hits4Pay. Users complained that it took way too long to reach the minimum payout threshold, and sometimes their accounts would be cancelled without reason.

 The Good News

Considering the fact that they're are no longer in business, Hits4Pay is not an option anymore. Good news is, there are plenty of better get-paid-to websites to choose from. If you're wondering where to go from here, I personally recommend finding another survey site that you are comfortable with.

An alternative that I commonly suggest to stumped survey-takers is a GPT site that goes by Swagbucks. You probably have already heard of them, since they are one of the most well known survey sites in the United States.

If you're unfamiliar with the name, Swagbucks is a online website where users can earn money by doing basic tasks like watching videos, playing games, shopping, or searching the web.

Swagbucks has been around since 2005, and has had over 13 million members join since. So far they have rewarded over 200 million dollars to their users, and they reward thousands of gift cards each day. They are certainly no joke.

If you want to learn more about Swagbucks, you can access our full review here.

Overall, Swagbucks is a legitimate survey site that is truly worth your time. While no survey site can really serve as a main source of income, out of all of them it's one of the best out there. It wouldn't be rated #1 on our review site if it wasn't. A great way to earn money on the side, users get paid- no gimmicks.

Click Here To Join Swagbucks

05 Nov

Get it Free Review – Can You Really Get Things For Free?

Everyone loves to get things for free, but what if you could do that online in the comfort of your home? At Get it Free, members receive freebies, savings, sweepstakes, and money-saving strategies just by signing up.


But can you really “get things free”? With all the scammy sites out there it may seem too good to be true. It's hard to know which ones are really legit. That is why I am going to make the decision easier for you. In this full review I will be discussing the pros and cons of this online program.

Earning Potential

There are lots of sites like Get it Free that give away freebies for many different reasons. You should always take advantage of all the great  stuff they have to offer without having to pay. 

You’ll be able to see how many users have redeemed each offer, as well as whether or not the offer remains active in all the sections

On their site, they have compiled a huge list of free stuff, to make deals and coupons that help you save on everything easily accessible.

There are 5 primary sections that will help you save some cash.

  • Freebies – These types of offers include physical products like beauty products and grocery items.
  • Coupons – Coupons will need to be printed (more  details about this below), and can help you save money  on specific products.
  • Deals – These include big savings and discounts on a variety of products.
  • Sweepstakes – After entering, you have the ability to win everything from kitchen supplies to even cars.
  • Travel Deals – Similar to renowned travel deals websites like Trivago, this feature allows you to search other websites for flight, hotel, cruise, or rental deals. You’ll also find some popular travel deals listed below the search area, including important information like location, price, and amenities provided.

Deals and coupons are one of the favorites. Just as important as freebies when it comes to saving money, they claim to have some of the best on the web.  

If you find a coupon you like, you simply need to click on the scissors icon underneath. When you’re finished browsing, you’ll just need to print the coupons you’ve “clipped” by clicking the Print Coupons icon located at the top of the page.

You the chance to win big time with their sweepstakes offers! Enter into all kinds of sweepstakes for free for the chance to win some incredible rewards. 

Along with sweepstakes entries they also have a huge collection of articles and simple tips that will help you learn how to save in brand new ways. Whether it’s how to save on laundry or a way to save when going out with your friends, there is something that will fit everyone's interest. 


Due to the large number of deals, freebies and coupons, offers have an expiration date. Luckily Get it Free claims to add new money-saving offers throughout the day, so there are always new ways to save.

If you're excited about what you can get with Get it Free, then what are you waiting for? Browse the site for incredible savings.

Pros & Cons

There are so many benefits you can get by signing up with Get it Free. Listed below are some of my favorites.

  • Free printable coupons
  • Deals that let you save on your next vacation
  • Notifications that keep you up to date on all the latest offers

These are things that you can't find on just any online site, which is part of the reason why I signed up.

In an ideal world all websites would provide a seamless experience for their users, but sadly there is some bad mixed in with the good.

The website is a little dated and the pop-ups make navigation slower than preferred, but besides these two small hitches, there is little to complain about.

Legit Or A Scam?

The website has a positive reputation, however, there are a few complaints that raise some red flags. Complaints suggest that the site sends excessive emails and phone calls after redeeming rewards.

Almost everything on Get It Free will take you to another website, which is where you’ll fulfill deals and freebies, usually by entering in your contact information, therefore, they aren't the ones engaging in the malpractices. This should not be taken as Get It Free won’t pass your information along to partnering third-parties. According to the website’s Privacy Policy, your information may be shared with other companies for marketing and promotional purposes, which means you can expect phone calls and/or emails.

If it weren't for the fact that there is a way you can opt out of getting your information passed along, I would have classified this website as a scam. Since there members are provided the option to not have your information shared, it is not a scam.

Get it Free: Conclusion

There are many scams out there, but luckily Get it Free isn't one of them.

Their deals are real, and can truly help you save a lot of money, but even though you can save tons of money, it doesn't mean you should quit your day job. With Get it Free, you won't necessarily be making money, but you'll be saving it. While they are a unique online opportunity, there are certainly more places that have paying surveys and money-making opportunities.

If you're looking for higher-paid online offers, check out the #1 rated Swagbucks. They are renowned  for their  dependability and earning potential. To get more information you can access our full review here.

Getting Started

Singing up is completely simple, not to mention free of cost. They just require you to install their program before use. After installing the program you are ready to start saving!

Get it Free is currently accepting new members. Click here to get started now!

29 Oct

UTellUs Review – Legitimate Survey Site Or A Scam?

Survey site are a great option if you want to make some quick cash on the go, or at home.

Choosing the right survey sight is the tricky part. You can go with an obvious choice like Swagbucks, or you can branch out with sites like UTellUs. In this full review I will be evaluating the pros and the cons to help you decide if UTellUs is right for you.


UTellUs is an online survey panel run by  Precision Opinion, one of the largest market research firms in the United States. Based out of Las Vegas, NV, Precision Opinion has been providing quality research for over 20 years.

If you'd like to get started now, you can sign up here.

Members are rewarded for sharing their opinions with business executives, elected officials, policy makers, and other leaders around the country.

Getting Started

Something that is unique about UTellUs is that they are an invitation only online research panel. If you have been invited to join, you will receive a letter in the mail containing a Personal Access Code. You can then register using this code.

When you register with UTellUs, you have the the say in which way you'd prefer to be contacted concerning surveys.  If at any time you like to change your contact preferences, you can reach out to support staff at Support@UTellUsPanel.com or call their toll free number at 1-844-247-0693.

-Logging in is simple.  All you have to do is click on the ‘Overview' tab in the menu bar and on that page, on the right side of the screen, there will be a log in section.  Enter your email and password, and then you are good to go!

UTellUs Surveys

Members can earn rewards by taking short, simple UTellUs surveys online, over the phone, or by mail.

Things are operated on a points system, and for the points for every survey you complete can then be converted into gift cards. The average survey goes for 100 to 500 points, which is equal to $1 to $5.

At a minimum, you will receive one survey invitation per month.  However, we allow our members to take up to four surveys per month, on average. Most people have reported that they have received between one and five surveys each month. They are sent to you based on your interests – ranging from politics to pets, technology to travel destinations, and favorite activities to finances and current events.


UTellUs offers rewards in form of electronic gift cards for places like Chili's, Barnes & Noble, Domino's Pizza, Lowe's, Hulu Plus, Regal Entertainment Group, Amazon.com and many more.

When you log in to your UTellUs profile page, there will be a button in the top right hand corner that says ‘Redeem Points’.  This link will lead you to a page where you will be able to select which gift card you prefer and for how much.

You may redeem your U-Points as soon as you accumulate 2,000 points.  At this point, you will be able to turn those points into dollars with electronic gift cards.


Before joining any survey site, it's beneficial to consider the aspects of privacy because their policies can be a lens into whether they're legitimate or not. It's important to know that your personal information is being handled responsibly.

UTellUs is committed to protecting your privacy.  In their privacy policy they promise to never sell, trade or make available your private information to any third party without your consent. Your responses will never be publicly connected to your personal identity.

Although things in the privacy policy sounded promising, I did find one red flag. Precision Opinion, inc., the company who manages UTellUs, has an F rating from the BBB (Better Business Bureau).

Complainants allege that the business is in violation of the Telephone Consumer Protection Act (TCPA). People have reported that they have received unwanted telephone solicitations from the business. Some report that when they answer, no one on the other line speaks to them and no messages are left.  When consumers use the automated telephone option to remove their phone number, the calls continue. This has raised suspicions for me since they are the company that runs UTellUs.

Legit Or A Scam?

Despite the red flag found previously, I would still consider this site legitimate. While allegations have been made against the parent company, there are no reports that I have found that state they are proven. Additionally, there are no bad signs found within UTellUs.

UTellUs certainly pays, and they follow within our perimeters of a legitimate website in our guided steps of how to tell whether a survey website is legitimate or not.


Overall, UTellUs is a solid survey website. They are legitimate, they pay, and are safe to join.

Despite their obvious earning potential, it's likely you won't be able to make an average yearly income off of this site alone. Why? Survey sites work best as convenient ways to make money on the side. That being said, don't quit your day job.

Hopefully by now this review has helped you decide whether UTellUs is right for you. If you have decided that you are in favor of this site, waste no more time and get started now!

If you have decided the latter, there are still plenty of great review sites out there. Out of all the survey sites out there, many prefer Swagbucks. Rated #1 on our review site, it's dependable and easy to use. You can learn more in our full review here.

28 Oct

OpinionWorld Review – Legitimate Money Maker Or A Waste Of Time?

While looking for a potential survey site, you might have come across OpinionWorld. Generally a lesser-known panel, as of recently they have become increasingly popular.

Choosing the right survey site can be tricky. There are so many scams out there, how can you know which ones are legitimate? Luckily I've done all the work for you. After some careful research, I've gotten to know the ins and outs of how this panel works. In this full review I will be discussing whether I think OpinionWorld is worth your time or just a waste.


OpinionWorld was started by Survey Sampling International in 1977. Every year surveys designed by Survey Sampling are used by some 1500 research companies; including 43 of the top 50 international research companies.

They have been around for a couple of years now, and though they used to be available internationally, they are now only available to US residents.

Along with an impressive A+ accreditation with the BBB (Better Business Bureau), they also have the “QuickThoughts” mobile app for iPhone and Android so you can take surveys on the go.



The main money-maker on this site, surveys are the most popular.

OpinionWorld lets their users share their opinion in all different types of surveys, both desktop and mobile. They even offer shorter, less detailed surveys to take on a daily basis, although you won’t be paid. When you complete these surveys, Opinion World will donate money to charity instead.

Surveys for which you actually get paid come less frequently, anywhere from once a week to once a month.

Listed below are some ways to improve the frequency of your surveys.

  • Keep your profile updated.  The more specific you are, the more likely you are to get surveys that you will qualify for and therefore get paid for.  Any life changes will make a drastic difference in the surveys you receive. 
  • Take advantage of the little extra opportunities.  Every now and then, they will send you an email, asking that you update your profile or confirm some information for them.  It takes less than three seconds, and often they will offer you a point reward for doing so.
  • Take every survey that's offered.  Maybe a survey looks too long or you know before you take it that you might get disqualified.  Do it anyway.  Every time you are disqualified from a survey (and therefore don’t get paid) OpinionWorld enters you into a “Thank You” prize drawing to ensure that you haven’t exactly wasted your time.
  • Enter into the drawings.  Opinion World chooses randomly selected prize winners from random drawings they do on a regular basis.  Make sure you are always entered for these drawings.

The panel routinely sends out email invitations for surveys so you will never miss out on an opportunity. Surveys vary in length, but most surveys take between 10-15 minutes to complete.

You can expect your compensation to vary up from $0.50 to $3 per survey on OpinionWorld. Ultimately the amount depends upon time required, and your demographic information.

Additional Opportunities

If you keep up with your profile and continue to participate in surveys you may be identified as a “valued professional” with OpinionWorld. This means you will be sent better surveys and will be eligible for special high-paying focus groups and product testing opportunities.

OpinionWorld also has a loyalty program where it rewards users point bonuses after they have completed a certain number of surveys. Point bonuses vary depending on the country, but can be for amounts like a 10 point bonus after 10 surveys, or a 100 point bonus after 50 successful survey completions.


OpinionWorld operates with a points system. By partaking in paid task, you are gifted points which can be transformed into rewards once you reach the minimum threshold of 1000 points ($10).

There are so many rewards to choose from like cash, amazon giftcards, airline miles, restaurant gift cards, movie vouchers and much more.

Members who choose to redeem their earnings by PayPal or for an e-gift certificate often receive their payments instantaneously or within a few hours. Physical gift cards usually take around 2 weeks to process and ship.


Privacy is an important factor in determining the legitimacy of a survey site. If your information is't kept safe, it's likely that they aren't legitimate.

Looking at their privacy policy, I didn't come across any major red flags.

Like most other survey sites, they only collect the information you provide them. They use your information to communicate with you regarding your membership and  participation in surveys, and to tailor survey opportunities.


Some users may experience a high degree of getting screened out of surveys, although this is often because users are not keeping their profiles up to date. OpinionWorld, perhaps more than any other program, keeps a close eye on this aspect of your account and will disqualify you from survey invites if you don’t keep it current.

Legit Or A Scam?

OpinionWorld has great money-making opportunities. You can't go wrong with surveys and there are so many rewards to choose from.

Thanks to some careful research, I've concluded that OpinionWorld is legitimate. They do pay, and they care about their members' privacy.


There are so many scams out there, and finding out the right survey site can be a tricky task. Luckily OpinionWorld is a legitimate survey site.

Even though you can make money, it doesn't mean you should quit your day job. There are certainly other places that have more frequent surveys and money-making opportunities. The money you'll make with OpinionWorld will not be enough to support yourself, but that is the case with most survey sites. They are best viewed as a way to make some extra money on the side.

If you're looking for higher-paid opportunities, check out Swagbucks. They are rated #1 on our review site because they are  dependable and easy to use. To get more information you can access our full review here.

Getting Started

If you're looking to get started with OpinionWorld, it is a relatively easy and short process. It’s completely free to become a member and you won’t be pestered to participate in anything other than the occasional survey.

New members will automatically receive an entry into the quarterly cash prize draw for $10,000. That is a lot of money! Additional entries can be earned by completing surveys.

OpinionWorld is currently looking for new members. So what are you waiting for? If you like what I've had to say about OpinionWorld then waste no more time and sign up today!

Click Here To Join OpinionWorld

15 Oct

myiyo Review – A Real Paid Survey Site Or A Total Fraud?

Money is tight these days, every spare penny counts. Luckily I have a solution. Survey sites like myiyo are an easy way to provide yourself with some extra cushion room.

Online surveys are an exceptional way to make some extra cash. Out of all the ways to make money at home, I have found that survey sites are among the best.

The question is, where do you start? There are hundreds of survey sites out there, and it can be tricky to try and filter through the scams.

While looking online, you may have encountered myiyo. Like any typical survey site, it rewards users with money each time they successfully complete a survey. But how legitimate are they really? Some of the best-looking sites out there are scams. So how do we know it's legitimate? In my full review, I will tell you all the ins and outs of this potential survey site.


Read like “my eye oh,” myiyo is the abbreviation for original name “in your opinion.”

myiyo was created and is operated by mo’web research.

The company has been around for over 10 years, and is based in Düsseldorf, Germany. During that time millions of interviewers have conducted thousands of surveys across the globe.

Even though they do not have an accreditation with the BBB (Better Business Bureau), you can catch the latest updates as well as some entertaining articles on myiyo's Facebook page.

Signing Up For myiyo

Anyone 16 years or older is eligible to join. What's unique about myiyo is that availability isn't affected by location. Even though they are primarily a European-based company, no worries. The site is accessible all over the world in countries like Spain, Germany, France, Italy, South Africa, Turkey, Poland, Russian Federation, Brazil, Mexico, Argentina, Colombia, Ukraine.


Signing up for myiyo is painless and quick- there are just 3 simple steps to get your account up and running.

  • Fill out your basic signup information such as your name, gender, email and password.
  • After sign up, you are sent an activation email. By activating your account you can earn 100 points.
  • Fill out a profile questionnaire  and earn 500 points.

Just by performing these three start-up tasks, a total of 600 points are pocketed into your account.

Earning Potential

There are many types of tasks out there that GPT sites pay users to complete. From paid offers and friend referrals,  to playing games and watching videos, it's not just surveys anymore. If you prefer surveys out of all the GPT sites out there, myiyo is for you.

myiyo offers surveys and a referral program as ways to make cash.

For each survey you successfully complete, you are rewarded with points. Points range from 500 to 10,000 depending on the length and complexity. On average, surveys are about 20 questions and take 12 minutes to finish.

If you like myiyo and want to share the experience with your friends, you can refer them using the unique referral url provided in your account. For each friend you refer, you will earn 500 points after they complete their first survey.


Aside from surveys and referrals, you can donate your points to charity called Three Little Birds, an organization that is primarily aimed at helping individuals in need. If you want to know more about the organization, you can access their website here.

Payment Methods

Now let's talk money.

myiyo runs on a point system in which members can later exchange for money once their accounts reach the minimum threshold of 20,000 points. 100 points is equal to $0.12.

If you are already a memebr of myiyo, and have been for a while, you should know that only 10,000 points ($11.82)  is required for payout.

Cash paid via PayPal, but if you live in a country where you cannot access PayPal, you have the convenience of having your cash paid via bank transfer.


It's always important to keep your private information safe while online. If you feel like your privacy is being compromised on any type of survey site, it's likely they're a scam.

Luckily, myiyo doesn't give off that kind of energy.

Nothing came up as a red flag in their privacy policy. In fact, they actually seem quite safe. They promise that the transfer of personal data to third parties can only take place with the explicit agreement of the user, and that's exactly how it should be.

Even though they aren't affiliated with the BBB, as an International Market Research Company, they fully adhere to ESOMAR’s guidelines for professional conduct as well as the codices formulated by the BVM, the governing body for German Market Research. In addition to that they must abide by the very strict and clear regulations of the Federal Data Protection Act.

These affiliated companies are completely legitimate, a tell-tale sign that you have nothing to worry about.


  • Easily accessible
  • Cash-only
  • Relatively simple sign-up process
  • Available in many different languages
  • Donations to charity


  • High payout threshold
  • You have to fill out questionnaire before surveys
  • Surveys aren't as frequent as preferred

Legit Or A Scam?

While you're hoping for a perfect survey site, it's always important to look on the other side of the spectrum as well. By doing this, you have a better picture of the overall website as a whole.

As you can see there are a lot of good things about myiyo, but here are some of the things that weren't as favorable.

Looking at the overall aspects on how they handle things on their site, I would say that they're pretty legitimate. No scams here!

They are huge on providing a convenient experience for their members, and checked off the full list on how to tell if a survey website is legitimate or not.


Can I access my account on my smartphone?

Yes, most of the surveys are compatible with mobile devices like smartphones and tablets.

What are “shoutboxes”?

You to create your own profile, known as a “shoutbox”. Within your personal shoutbox you can post photos, videos and your own email votes all for points. Your profile will be given a title such as “novice”, “experienced”, “pro” and “veteran” depending on how long you've been a member.

How do I unsubscribe from email notifications?

You can block future notifications by clicking the “unsubscribe” link in any of myiyo's emails. You can remove the blocking from your profile settings page.


When deciding where you want to sign up, it's important to know that you shouldn't quit your day job with survey sites. While some make a considerable amount of money, it's still not enough to substantiate for a single income. That's why they work best as something extra to do when you have the time.

While it's no match for our #1 site Swagbucks, myiyo is still an excellent contender when it comes to earning money on the side because they care about their users.

So there you have it. myiyo is a safe and legitimate website with good earning potential. So what are you waiting for? Sign up for myiyo now!

Click Here To Join myiyo

06 Oct

Jobs2Shop Review – Valuable Source Of Income Or A Waste Of Time?

Is It Worth Trying? – Jobs2Shop Review

Online surveys can be a great way to make some extra money. But with so many survey sites to choose from, where do you start? There are the more obvious choices like Swagbucks or MyPoints, but in this Jobs2Shop review I will discussing one of the lesser-known GPT sites out there and how it stands among the top-dog sites that are popular in the industry.

Jobs2Shop is a get-paid-to website that pays users to do various tasks like review products, read emails, take paid surveys, or do some mystery shopping.


Based out of Dallas, Texas, they are certainly a smaller company. Jobs2Shop only has around 10,000 daily visits, while Swagbucks has over a million. According to Alexa Traffic Rank, Jobs2Shop is ranked number 126,292 in the world. 

Despite the fact that they are relatively new and as a result not as well known, this does not mean that they should be thrown out of consideration. 

Jobs2Shop is accredited by the BBB (Better Business Bureau), and you can also find them on your favorite social media sites. Follow their Facebook platform to receive interesting articles and to be informed on special opportunities.

If you do not have social media, you can also sign up for their push notification system where you'll be alerted in that way.

Earning Potential

While some websites focus on surveys or paid offers, Jobs2Shop focuses primarily on mystery shopping. With mystery shopping you will be reimbursed for your in-store purchases and paid an additional fee for product testing.

There are plenty of other ways you can make money if mystery shopping isn't your cup of tea. Listed below are some more great ways you can earn.

  • Free Trial Offers
  • Paid Surveys
  • Paid Trial Offers
  • Games
  • Reading Emails

Currently the earning rates are $2 per survey, $0.50 per email you read, and anywhere from $0.10-$0.25 for playing games.

For product trials, members have claimed to have earned up to $85 per evaluation.

Before presenting any offer, they will show the amount of time it will take and amount of money it makes so their users will be further in the know.

jobs2shop banner


Jobs2Shop rewards users with cash paid via PayPal, meaning that if you do not have a PayPal account, you'll be out out luck. I wouldn't worry about it, though, starting up an account is super easy. 

Members normally receive pay every 20th of the month. As long as you have met the minimum threshold of $25 for redemption, you are eligible to request payout.

It can take up to eight weeks to get paid from the time of qualification. This quite a long time, however, the waiting period only applies to the high-end assignments and product reviews.

As you can see, there are so many ways to earn money. If you've already made up your mind, waste no more time. Sign up and start earning now! 


While there are great elements about this survey site, there was also a fair share of complaints that are also important to consider.

Some of the paid product offers are sketchy. They require you to provide your credit card information, and some even charge a starting fee. Users didn't like that. Many complain that they end up spending more than what they make while participating in mystery shopping and paid offers. While these types of offers are optional, it still raises some suspicions.

Some have complained that they've failed to receive payment for their efforts. This is a problem, and it can potentially point to a scam. There are so many incidents where a user will complain that Jobs2Shop is a scam, but not long after they received their compensation.

Jobs2Shop: Legit Or Scam?

Choosing the right survey site can be tricky thanks to all the scams out there. Luckily, while evaluating this site I've used an effective way to determine whether a survey website is legitimate or not.

Despite the concerns I would still consider Jobs2Shop a legitimate, not a waste of time. Yes there concerns are valid, but they do follow the guidelines to a legit survey site.


Is Jobs2Shop safe?

Yes, Jobs2Shop is completely safe. Information is kept in a way so that it isn't personally identifiable, and if at any time you would like to unsubscribe from receiving future emails, there is a set of detailed unsubscribe instructions at the bottom of each email. If you would like additional information on how your privacy will be kept, check out their privacy policy.

What should I do if I didn't receive my payment on the due date?

The issue can be occurring for many different reasons like wrong PayPal, incomplete information, account inactivity, or fraudulent activity. If you do not receive your payment by midnight EST on the due date, you can complete a support ticket and the team will figure out the issue.

Can I refer my friends?

Currently you cannot refer your friends. Looking forward, Jobs2Shop hopes to add this feature, so make sure to be on the lookout for this change.

Why has my account balance suddenly changed?

If you see a sudden change, try logging out and then logging back into your account. This almost always fixes the problem. If ever wish to check your balance, there is a report of your earnings that can be found under the “My Account” tab.


Jobs2Shop has some great features that set them apart from the rest. Here's what I'm most excited about.

  • Certain program can pay up to $85
  • Clean and simple design makes it easy to navigate
  • $5 Sign Up Bonus
  • They have a list of free, printable coupons available on their page that add up to hundreds of dollars in savings
  • On the right side of the screen, they show you your progress
  • An email support group is offered for any outstanding issues. You can expect a response within a few days

While there's definite earning potential, it's difficult to make a solid income with any survey site, including this one. Sites like these work most efficiently as a way to make income on the side.

Yes there may be some concerns about the company, but the benefits provided certainly outweigh them. It's up to you to decided whether the risks are worth it or not. If you are careful, there should be no problems. It's all about what you're comfortable with.

Getting Started

As long as you live in the United States and are 18 years or older you are eligible to join Jobs2Shop.

Signing up is free, and is composed of three simple steps: create your profile, fill out the member questionnaire, and then confirm your email to start earning. You also get a $5 sign up bonus which is pretty great.

After you verify email you will receive an account passcode: You will need this passcode to be able to receive payments so it's important to keep it safe.

Click Here To Join Jobs2Shop

If you've decided that Jobs2Shop isn't for you, there are plenty of other survey sites to choose from. I highly recommend Swagbucks. Rated #1 on our review site, it's dependable and is easy to use. To learn more you can access our full review here.

06 Oct

What It Takes To Be Awesome At Surveys

Multiple Angles Of Approach

Today there are countless ways you can make money on the internet; many who are traveling abroad use such methods. Something a lot of folks are getting into today, is trying to make extra cash taking surveys. You can find some that actually only take about fifteen minutes, and will pay around $2.00 each.taking surveys

If you can get four done in sixty minutes, that’s $8.00 an hour. In a ten hour day, that’s eighty dollars. It’s not much, but it’s money in a pinch, and all you need is an internet connection. There are surveys you can actually take from your own smartphone.

Also, you’re going to find certain survey opportunities that pay a little better than $2.00/per—they may just require a little searching. If you want to get these kinds of surveys, there are a few things you can do to optimize the process.

Get A Fast Connection

Firstly, you want to have a good internet connection. You’re going to need the ability to have more expedient mobile access going forward, which is good news for many who are already supplementing income successfully this way.

Soon mainstream mobile users will enjoy impeccable network speed; according to CellTowerLeaseExperts.com, “5G is on its way! Very similar to the recent jumps from 2G, 3G, and 4G, wireless carrier's’ ability to provide 5G services will open up a tremendous amount of new avenues for wireless customers.”

When network speeds increase, suddenly more surveys can be taken in less time. If it takes less than a second for a page to load, as opposed to ten, then on a fifteen-page survey, you save two minutes and thirty seconds. That’s ten minutes per hour. You can use apps like Clockspot to time your survey-taking, helping you increase your effectiveness, and gauge your network’s speed.

The faster the network you use, the better. 5G may not be available now, so in the meantime, find a secure connection you can trust. Every minute you save is money.

Finding Surveys Complimentary To Your Tastes

A lot of survey takers do it for a combination of the income, and their own enjoyment of the process. Once you’ve got a proper network solution ironed out, you want to choose surveys that concern information you actually have some interest in.

taking surveys for money

This will increase your likelihood of getting similar surveys, and will increase your enjoyment of the process. You have to have some level of enjoyment, because you’re going to be filling out quite a few, if you decide to seriously supplement in this way.

Finding Surveys That Pay More

The third thing you’re going to need are high-paid surveys. You may start with some cheaper ones, but there are billions being spent annually on surveys. The kind of information they provide is just too valuable.

So for companies that already have a higher profile, you’re more likely to get paid better. $2.50 per survey over $2.00 nets you an additional $2.00 an hour. If you can find a $5.00 survey site, five in an hour would be $25.00.

The thing is, the more a survey pays, the longer it’s going to be. At a certain point, you cross a horizon where you actually end up making less though the individual surveys pay more. If it takes you an hour to complete a $5 survey, you’d be better served doing four $2.00 surveys at fifteen minutes apiece.

The Right Digital Solutions: Finding Survey Sites & Using PayPal

The next thing you need to do is find sites which post surveys. When you can get a few of those in your bookmarks, you can find surveys that meet your particular knowledge base better. Additionally, you need to set up some digital payment solution like PayPal; this is the only way to recoup your “wages” for many organizations.

You’re All Set 

If you have a fast connection, know your own skillset, find the right surveys—and sites which list potential survey options—then pick the surveys which pay the most for the time they require, you’ll likely find a very lucrative means of supplementing your income. You’ll certainly have all you need to be a profitable survey taker. 

Now that you know how to be awesome taking paid surveys…

Here's two great survey sites to start with:

Swagbucks   MyPoints


06 Oct

Click4Surveys Review – Legit Paid Survey Site or Just a Scam?

I have come across other sites that are similar to Click 4 Surveys before. They all work essentially the same way (I will get into that in just a minute). I was surprised to find that, despite their generic name, their website is much more professional looking than any of the other online survey sites. They also seem to be more upfront about what they do. I appreciated the fact that unlike the other survey “guide or program” sites, they make no promises to reveal some well hidden “secret” of becoming rich through online surveys once you join up.


They do however promise to make you rich through their online surveys program, and that in itself is deceptive. In fact once I looked a bit more closely I found that Click 4 Surveys is just as misleading as the other websites, they just go about presenting their web page differently. If I had not had prior knowledge as to how these sites operate, I might have even been sold!

The first thing that you will come across when you come to Click 4 Surveys’ web page is a very well put together video. Opening the video are various “members” of the Click 4 Surveys’ program giving rather convincing testimonials about how Click 4 Survey changed their lives. After looking in the fine print section and finding that these so called testimonials are no more than a paid advertisement, they become much less convincing!

If you want to try a survey site that is actually honest with it's customers, try Swagbucks (Click Here to read our honest review of Swagbucks).

For act two comes a clean cut looking guy in a business suit. This guy does a great job at presenting the program. He even goes through the steps of the program which was actually refreshing because, like I said before, many other site are a complete mystery until you sign up. It seems pretty legit, but if you know about how these companies work, you will quickly realize that they are just the same as all the other guys. In case you are not familiar with the subject, let me break it down.

So they guy says that step 1 of Click 4 Surveys’ program is instant access to a database of all the best online survey companies where you can make larges sums of money. The guy takes it a step further by claiming that this database is not available anywhere else on the web. That is a pretty extraordinary claim, and it is simply not true! Not only does every other online survey “guide or program” offer the exact same thing but, you can also get the same information for FREE just by searching Google.

What the guy also fails to explain is that after accessing this database of companies, you have to sign up for each one individually. Signing up with these survey companies is time consuming, not to mention a headache! If filling out surveys is something it something that you want to do, you can do it without needlessly giving Click 4 Surveys your money.

On to step 2…apparently step 2 is choosing which surveys that you want to fill out. Business suit guys makes it look so easy, as if there are tons of surveys available that pay big bucks. Again, this is false advertisement! Although there are some surveys that pay higher sums, they are the exception, not the rule! The rule is more like $0.20-$0.30 a survey. Some surveys are even about 1-2 hours long!

It is also important to note that these survey companies must deem you “qualified” for certain surveys (mostly the higher paying ones). The worst part about it is that some of these companies will not even inform you that you are unqualified until AFTER you have completed the survey.

The 3rd and final step that business suit guy presents is getting paid. He explains to you that you have the option of getting paid by paypal, or by receiving a check. It seems very open and shut, but what you may not realize is what he does he NOT explain. If I didn’t know better, the way that he presents this I would assume that Click 4 Surveys personally provides you with your payment, but that is not the case.

What the guy is not mentioning is that each separate online survey company pays you for any money that you earn on their site. Why is this important? Well, business suit guy left out an important fact. Online survey companies have a payout rate. This means that you must first achieve a certain amount of earned wages before you are able to receive a payment.

Each company has a different payout rate.

Some companies’ payout rate is as high as $50. At $0.20 a survey this may take you a while to achieve! So, if you are using many different companies to fill out surveys your earnings are going to be stretched out over many different sites, and result in delaying your paycheck.    

Once you get past the video, just like all the other various survey guide companies sites, you are presented with yet another “founder” to telling you his “personal” story about how online surveys changed his life! Mr. Daniel Cooper makes it sound so simple to make plenty of money through online surveys. At one point he even claims that you can earn a good bit of cash in just 30 minutes “after putting the kids to bed”.

I have already gone over how most surveys only pay about $0.30 per survey and can take hours to complete, so you understand why this claim is completely unreasonable!

So, the bottom point that I am getting at here is, don’t waste your time or money on this site! If you are really interested in doing surveys, please realize that you will not become an overnight millionaire this way, in fact you won’t become a millionaire at all this way! If you are just looking for a way to pass time by completing surveys, you don’t need Click 4 Surveys, just use Google to search for surveys or use a reputable service like Swagbucks or MySurvey to find surveys for you.

Now that you know Click 4 Surveys is not a reputable site, do you want to find a better one? Click Here to see reviews of the top 5 survey sites on the web.