One of his favorite tools is Personal Capital, which enables him to manage his finances in just 15-minutes each month. If you sign up and link up an investment account with $1,000+ within 40 days, you get a $20 Amazon gift card. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.
There are also many questionable "middleman" third-party paid survey sites that hype easy money for participating in online marketing research from home. Here, the old adage is true: if it sounds too good to be true, it usually is. Further, it’s worth knowing that there’s a lot of competition among these companies for your participation – which means potential for exaggeration, at the very least, if not outright scams.
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The free site screens you when you sign up, asking a range of questions so you can be sent the surveys which will be suitable for you. You can also join up with a social media account like Facebook or LinkedIn instead of using your email address. Filling out surveys for money with Opinion Outpost will first give you Opinion Points – with 10 points worth $1. Most surveys will take between 10 and 30 minutes and are worth anything from $1 to $5. Typical survey time is around 15 minutes, and participants are also entered into quarterly prize draws, touted to be for $10,000! However some people think their surveys don’t come around often enough, and completing some surveys will enter you into prize draws rather than paying out cash.
Just like the other survey sites, every time you complete one of the surveys, you’ll receive anywhere from 35-250 points, which equals about $1.50 to $1.75 per a survey. Once you rack up enough cash to payout (which you’ll have to accumulate at least $50), you’ll have several different options to receive your money. You can get your money through a check, through your PayPal account, or redeem it for gift cards.
While product testing is offered, you’ll only get sent items if you qualify, and then it will only be a couple over the space of several months, so think of this as a bonus, rather than a regular part of your work. Some users get frustrated at the length of time they have to wait for vouchers to arrive after they order them – especially when somewhere like Opinion Outpost will pay out straight away. However it is unfortunately quite standard to have to wait weeks for payment from survey sites. Surveys range in duration from about 15 to 30 minutes and there are mini polls on the website which can help you tot up small amounts of extra points. Points do sometimes take days or even weeks to appear in Toluna accounts, which is worth noting.
Rewards are paid out in cash and PayPal, but the catch of having short surveys is reflected in the pay, which can be miniscule per survey. As you need to earn $50 before you can withdraw anything, that’s a lot of low-paying surveys before you’ve made your money! Some people have complained online that once you get close to the withdrawal amount, the surveys dry up. One way around this is to refer a friend as you’ll receive a bonus when they sign up and you’ll hit your target to withdraw your funds. It’s a bit of a downside, but there are hundreds of very happy consumers who love the site, so it’s worth a shot, especially if you get fed up with the boring or repetitive nature of some of the quizzes elsewhere.
They claim to also offer paid product testing opportunities. But it’s not really paid product testing, but more of getting cash back. Basically, besides surveys, you can purchase products and services through their portal and earn a certain amount of cash back for every dollar you spend. If you were going to buy something already, it’s a great way to get some of the cash back. But don’t just buy something because of the cashback.
The concept of data mining and profiting off that data mining isn't anything new. And while some companies engage in some rather disreputable practices to do this, Global Test Market seems to be doing just fine with the whole “consent to disclose” thing. More importantly, in some cases this may help you as some companies will offer to do more specialized product testing once they've identified you as their target demographic.