Author: Miel

Profitable Trading or Income Trader? E*trade Review!

Profitable Trading or Income Trader? E*trade Review!

Most people are thinking of a good way to invest their time, money and effort. The online platform has become a promising avenue for it! We all know that investments always come with a risk. So what we try to do is to minimize the risk and increase the profits or sales.

Since the pandemic happened, investments and stocks has become hot news. Many investors are pulling or selling their and some are buying because of the lowered prices. This is why we are doing a close up review on one of the top platforms that people use nowadays, E*trade!

E*trade Review Summary

Product Name: E*trade

Product Type: Investment

Summary: E*trade is an online brokerage pioneer. It belongs to the category of options and trading, in which, it was recently counted to be in top 5.

It is a computer-based platform and a full-featured application that offers different investing preferences or interests. It also has E*trade pro which caters to frequent and seasoned traders. It has live streaming feature of the real time data and it also includes tools for charting.

Price: Regular stock and ETF trades went to $0. Options trades run $0 + $.65 per contract, + $0.75 per contract.

Best For: Mobile Application Investment

Rating: 7 out of 10


What is Etrade?

E*trade is an online brokerage pioneer. It belongs to the category of options and trading, in which, it was recently counted to be in top 5. The target market of this platform is active investors with over $100,000 to invest.

E*TRADE was founded in 1982 and the headquarter is found in New York City. It is one of the longest companies in the industry. It is also one of the first online brokerages in the United States. Right now, they have 4.9 million brokerage accounts. They also processed over 280,000 online trades in one trading day.

It is a computer-based platform and a full-featured application that offers different investing preferences or interests. It also has E*trade pro which caters to frequent and seasoned traders. It has live streaming feature of the real time data and it also includes tools for charting.

E*trade also acquired its former rival OptionsHouse $725 million. Because of this they were able to upgrade their services and tool on their platform. This is also gave birth to what I just mentioned, their pro version and Power E*Trade. There are also tools for options for analysis and strategy development tools.

If you are still starting on this field, then you can be helped by downloading their standard E*trade app or you can visit their website. They also offer trainings through their “education trainings”. This is to make you familiar with the market and with the app.

Here is the list of tradable assets available in their platform:

  • Stocks long and short
  • Mutual funds (over 4,600 no-load, no transaction fee)
  • Bonds
  • Single leg/ multi-leg options
  • Robo-advisor

How do you gain income from it?

This kind of investment really takes a lot of computing on the amount of ROI. It is now time for t us to look at how you are able to get income from this and if it will pay off the fee and charges you have.

Interests and price improvements

Just like how it happens in a bank, when you put your money in their account you can earn an interest from it even if you do not use it for investment. However, it is still more profitable if you let your money flow out of the system to the market.

They also price improvements on their equity and options orders. The average amount you will receive is $0.0045 per share for the price improvement. While for the options orders, you will receive $1.81 in each of your contract.

Loan Programs

There is no definite amount or cost stated on the loan given to other traders. But this is how E*trade says it works. They lend money to another trader which is commonly for the purpose of selling that stock. E*trade shares to the owner of the loaned stock an amount approximately 50% of their revenue generated from it.

What are the costs?

Charges differ depending if you are less frequent trader or a frequent trader (more than 30 option trades/ quarter). For example, E*traded charges $0.65 per contract to those trade less and $0.50 for the latter.

In effect of the pricing war which started last October 2019, the regular stock and ETF trades went to $0 which is previously $6.95. While options trades run $0 + $.65 per contract which are previously $6.95 + $0.75 per contract.

However, you have to take note that even if it is already $0 trades, tradings done during pre- and post-market hours are chanrged with an ECN fee of $.005 per share. This is added to the regular commission rate. And $6.95 charge for trading penny stocks still remains. This makes it not recommendable for this kind of trading.

What to like about it?

This kind of platform will not become successful without customers and clients that patronize it. So let us take a look at the top reasons why their clients prefer using their services.

Convenient Interface

E*trade has two platforms, website and application. Both have easy-to-use interface, with a very comprehensive layout for the users. They updated their interface for it to be more consistent to the most visited features. For their apps, there are two available versions which serve different purposes. The newest, Power E*Trade focuses on the derivatives.

Paper Trading

In their Pro version, you can already use projections and estimates before doing a real trade. This is only available in their desktop platform. It measures your strategies and capabilities! It is being used hundreds of thousands investors.


It is good that they already have sorted things out for you. Like what I said, there are always risks to any kind of investment. E*trade already categorized their markets according to their risks – conservative, moderate, aggressive.

Customer service

They also have a fast customer service. The average connection time is one to minutes and they have a high average in professionalism which is 8.4 over 10. It also ranks 6th out of 14 brokers ranked.

Is this for everyone?

If you are looking for international investment or aiming for an international market, then there are other investment platforms that could serve you better on this.

You cannot also check the overview of your net worth. Their system and features does not require the following features which is one of the strengths of other platforms.

When it comes to banking, they offer essential banking services with only 30 branch office location across the United States. However, they do not come close to competing with other leading banks. They said the FDIC insured banking rarely engages with online brokerage industry.

What other options can you have to earn money?

If you are a newbie and is simply trying to do your research on how to earn an extra income, I’ve got another one for you!

Affiliate Marketing is one of the growing platforms in earning passive income! You simply have to choose an affiliate program where you can sign up and get your affiliate link to the products that you want to promote. If someone buys through your affiliate link, then you will get a percentage or a commission from the sales.

The good thing about this is that you do not have to learn a lot of jargon or unfamiliar terms, or even study a lot about the business. There are affiliate networks that could actually help you build your platform for you!

Wealthy Affiliate is one of the fastest growing and sustainable affiliate networks across the globe! With its millions of members, there is an instant community when you join them.

We all know that there are certain basic or fundamental things that you need to learn, like website, SEO, blogs and many more. It may sound overwhelming but Wealthy Affiliate can assist you in that and in many more ways! Look at these:

Free Membership

You do not need to risk anything when starting with Wealthy Affiliate. You will not spend even a cent to build your platform and in learning the field.


Most of the websites or apps that we encounter have hidden charges or additional costs. For Wealthy Affiliate, you do not need to purchase anything upon the sign-up. There are free training and tools that you can access as a free or starting member.

Their training are one on one and face to face with other member of the community. They have weekly webinars and conferences too! This only shows that the members and the founders are serious in helping people grow and earn money in this field!

24/7 Tech Support

Since this is online based, it is very important for the new one and tech savy people to have a 24/7 Tech support. Whenever you have problem with you website, affiliate merchant or products, or the website itself, you reach the tech support anytime of the day.

Passive Income

When you are done setting up of all it and started to write for your promotions, then the money will simply start to flow. Even when you are sleeping at night, you can gain income. It will be hundreds of dollars for the first few months and will eventually lead to four to five digits!

Like what I said earlier, this is more realistic in the area of Affiliate Marketing rather than in surveys. Because in this field, you are dealing with legit products and merchants like Amazon!

So what are you waiting for? Visit Wealthy Affiliate now!

Is Take Surveys for Cash Legit? Don’t be fooled!

Is Take Surveys for Cash Legit? Don’t be fooled!

Most people looking for an online work falls prey to most Survey Scams online. Why? Because it promise fast and big money with simply taking surveys! This is not to say that all of them are scams, but most of them actually are.

So if you are into making money online, take time to read and research the company’s or websites that you want to be part of. In this blog, I will be talking about Take Surveys for Cash – their promises, the facts and experiences of its users!

Take Surveys for Cash Review Summary


Product Name: Take Surveys for Cash

Product Type: Make Money Online, Surveys

Creator: Jason White

Summary: Take Surveys for Cash promises a fast way to earn income. It gives you lists of sites that will pay you. You have to pay a sign-up or membership fee in order to access the surveys they have.

The level of income they offer is not realistic and no one has been paid yet with that kind of income among the users.

Price: $39 – $48

Best For: Surveys

Rating: 3 out of 10

Not Recommended

What is Take Surveys for Cash?

Product Creator is Jason White who also known to have founded many other survey sites such as the following: Get Cash for Surveys, Click 4 Surveys, Opinion Outpost, Inbox Dollars  and others! This is why he is tagged as the “The King of Social Surveys”

You have to pay a sign-up or membership fee in order to access the surveys they have. After that, they will give you a list of the survey sites you can actually earn from.

Pretty simple and promising, right? Now, let’s have deeper digging about this.

Their Claims on Making Money

Of course, this is the biggest question when you are looking for any kind of job! First let us take a look at their claims and offers and then how they actually look like in reality! When you become a member of their site they will teach the trick on how to be able to start making money.

They promise you to earn and receive thousand dollars per week. The income ranges from $50 or $75 minimum up to $500 per survey in a day. Doing the math, that would definitely give you thousands of dollars in a week!

Another one is that they also promise to give you a bonus of $50 after taking your first ever survey.


You have to be very careful when engaging with survey sites that promises this kind of big money in small amount of time. This kind of money is only possible to some kind of jobs that are actually promising. But for survey sites, it almost not true if not always, that you can earn this much of money.

In reality, this is not true and realistic. The promises are exaggerated and no one could testify that it has already happened. Those testimonies that they put are edited or fake! You actually get some extra cash from taking surveys but not the kind of amount they are saying.

When you visit their site and be a member, they will simply give you a list of free online surveys which will actually pay you only around $.50 – $1.75 and it will take you 15 minutes to take the survey.


Survey sites are not actually supposed to get money from their new members! There are a lot of free survey sites that are more reliable than this.

Their trick is that they put the payment subtly. They first show you exciting and good things about the surveys, how much you can earn and some other income opportunities. Upon entering your name and email, they will prompt you to pay $39 with extra fee that will end in a total of $48.

If you back out from paying, they were already successful in getting your email. Because of this, they will be able to send you spam emails, follow up emails that are trying to convince you to continue your application.


This is one of the baits of the website! This is a very rare offer from a bonus site to give every member a $50 bonus in their first survey.

If you are going to look at it, it seems like it covers your initial investment in their membership fee. You might think you will not lose anything or be in any risk since it will be given back to you as a bonus. But that is not just true!

Here’s another bait! They offer you a vacation bonus worth $700! That would be nice and great but again; this is just to make you give you email and sign up for their site.


One of the things that you should look into when checking the legitimacy of the website is their transparency. Most legit websites have their company and founder info. You are able to do a quick background check of their accreditation and user reviews.

For Take Surveys for Cash, you can see nothing about their founder and how well and specific their work is. There are very few things you can know about them to verify the identity of the founder or the website.


They also have an affiliate program that promises you 75% of the sign-up fee if you are able to refer some people to join. You can actually gain from this but it is up to you if you want to invite people to join a work which is actually not making any money. This is totally misleading! And you cannot mislead someone else for the sake of money, right?

Take Surveys for Cash will pay you for the surveys that you take but they cannot actually make true of their promises. You will not gain the kind of money that they say. In fact, they have a disclaimer in their contracts which says THERE IS NO GUARANTEE THAT YOU WILL EARN FROM THEIR TRICKS AND TRAININGS.

There is no security and assurance; even they themselves are not sure about it. So don’t get your hopes up on something that is not sure! This survey site is not a good route to take. If you want to have a legit source of income, then I have a suggestion for you!


If you really want to make an extra income, then I think you should start looking for honest platforms. A business thrives even in challenges because of the trust they build with the customers and clients.

It will not hurt to put some efforts at first if you know that it will lead to a legit success after a while. This is the kind of work that Affiliate Marketing offers. It is being affiliated to a certain merchant and earn from them by promoting their products.

You get to choose which merchant you would like and what products to promote. There is freedom of choice as to what kind of niche you would want to target. You are not being dragged to something you do not want.

You get to tell people your own opinion and take on the products. You are not misleading them but giving them the facts about it! If people will buy through your affiliate link, then you will get a commission from it. It starts with hundred dollars for the first months and it will steadily grow Good thing, you can earn without misleading people.

So, how do you start?

It will be of great help to be a part of an affiliate network that will help you build the necessary set up for your business. Wealthy Affiliate is the best place to go to for this. I will tell some top reasons why:


With their free sign-up, you can already access a lot of their features that will surely benefit you in gaining income. Wealthy Affiliate has already millions of members worldwide and thousands more being added weekly! You can check their website and know more about their services and creators. There are also various testimonials and reviews from people whom Wealthy Affiliate served.


They also have one on one mentoring and training. These are proven marketing principles and practical steps that you can do on your own. It is not a false claim to a secret trick but are actually helpful both in theory and practice. They also have weekly webinars for updates!


If you are worried about the technical stuff, they also help you with that! Building your website has never been this easy. Tools for SEO and Keywords are also provided and included! These are crucial to any affiliate program so it is really worth it have it for free!

They also have thousands of partners from whom you can choose from as your merchants. The trainings also consist on how to promote the products you chose. It is like a good-deal package.


The community that they have are also honest and kind. You can learn a lot from them on how the business works. This is one of the good sides of Wealthy Affiliate and it shows that it is really true.

They also have 24/7 Tech Support team for your problems and Troubleshoot. You wouldn’t have to wait for hours or days to fix issues you have about your business!

These are just glimpse of the services that Wealthy Affiliate could give you. Visit their website to know more about them!

Perpetual Income 365 Scam! (Read this before you buy)

Perpetual Income 365 Scam! (Read this before you buy)

The internet has offered people more opportunities to earn money, quickly! However, comes with this Make Money Online are the risks for investing in scams or low ROI that makes you lose more money comapred to what you earn.

There are a lot of people who have fallen to this trap! That is why it is good that you are researching enough on the products that you’ll use, like Perpetual Income 365.

If you are into Affiliate Marketing, you might have come across this software. It is used by some affiliate marketers and let’s look at what they found out!

Perpetual Income 365 Review Summary

Product Name: Perpetual Income 365

Product Type: Email Marketing and Affiliate Marketing

Creator: Shawn Josiah

Summary: Perpetual Income 365 is a plug-in software that gives you an automatic income machine. This helps your Affiliate Sales earn additional income by focusing on email marketing. It has top three features that they usually mention in their sales which is almost the same as Netflix – MCCA. MCCA stands for Micro-commitment, Consistency, Compounding and Algorithm. Micro-commitment turns your sloth into sales; Consistency Bias and Compounding Revenues.

Price: $47 a month

Best For: Marketing

Rating: 3 out of 10

Not Recommended

What Is Perpetual Income 365?

Perpetual Income 365 is a plug-in software that gives you an automatic income machine. This helps your Affiliate Sales earn additional income by focusing on email marketing. This software is created by Shawn Josiah. He is also an active earner in the field of Affiliate Marketing using Clickbank.

It has top three features that they usually mention in their sales which is almost the same as Netflix – MCCA. MCCA stands for Micro-commitment, Consistency, Compounding and Algorithm. Micro-commitment turns your sloth into sales; Consistency Bias and Compounding Revenues.

This model makes you earn income by making people pay small amount of money through subscriptions on a regular basis. It removes the hardships that comes with the traditional way of and gives access to easy money earning through MCCA. In MCCA, you would need to do the following: VSL, Webinars, Sales Funnels, Podcasting, Blogging, Copywriting, Videos, Building products and services, and domain creation.

It also teaches Email Marketing by learning Solo Ads. It consists of huge email lists and how to fight the right vendor of Solo Ads. This combo will increase conversions of your opt-in rate.

It also has a MCCA Toolbox, Income Leverage Bounty and One Click Content Stack.

There are two bonuses in their packages that are amounts to $997. First is the Recurring Revenue Master Plan which scales up your business and helps you earn $200 a month. Second is the Tiny Subscriptions, Big profit which looks for tiny subscriptions and help you earn from it.

How does it work?

The process of making money through this software is easy. The available landing pages will be directed and gain access to high converting pre sales page to the niche you choose to promote their affiliate offers. Then you get the commission if someone bought through your page.

This is only the process but there is no guarantee of 100% sales or a high commission that you will get.

So, how do you use the features Perpetual Income 365? Here are some of their top features and guide on how their members use them.

Landing Pages Templates

It offers pre-structured templates for starting affiliate marketers who are unsure of how to start the business. You can install designs and layouts you want and develop your website for free. Then you will be prompted to create you URL or domain for the launch of your website.

It also includes free email campaign free for 31 days from the day of your product purchase. There pre-sales pages that has been tested. You can choose from these whichever fits your offers or sales.

For this reason, building websites and writing blogs are no longer needed. You wouldn’t have to go through the nitty-gritty detail of the layouts and copywriting to sell products and get commissions.

Tutorial Videos from ground to up.

Their tutorial videos start from the basics of affiliate marketing and down to the details of how the business works. It aims to make the user understand the whole affiliate marketing model. This will also help people who are not tech savvy to catch up and excel in the field too.

Additional good side of this …

Aside from the mentioned features, there are also some bonuses that come with. These are things that users found to be useful and helpful and are actually factors considered by most of the affiliate marketers online.

Facebook Group Community

Communities are becoming a part of any kind of job in companies or even online. It has been proven to work for the users to interact and learn from other people even virtually.

This is an exclusive group that you can be part of as you purchase their product. You can ask and learn from people who are using the same software as you. Community is very important in any business that you do. The software creator is also active in the group and answers some comments.

Customer Support

Any software always has its lapses and complication, or might have some questions about it! You can send you questions and problems to their support through their provided email. You can get reply within 24 to 48 hours.

Response rate is reasonable and quite fast as compared to other platforms. But this could be problematic if you have urgent matters at hand.

Passive income

It is specially built as good as done to serve those people who have full time job and prefer to have a passive income. If you are a busy person looking for an extra income, then this might work for you.

Their Email Marketing strategy monetizes your email list and gets commission by promoting affiliate offers from clickbank products. This is expected since the creator is part of Clickbank himself.

Cheaper Alternative

People always tend to find the same quality but with a lower price. That is why some of the users opted to buy Perpetual Income 365 because of its cheaper price offer plus the bonuses you get.

You pay $47 a month for the software subscription which is cheaper compared to other products that have additional costs upon purchase.


Before signing-up to any cheap or low price offers, you have to make sure of the additional costs after the initial purchase. Check if there are inconveniences or features that will not be liked by your future customers and niche.


It starts with a monthly payment of $47 but there are a lot of upsells that will appear along the way. You wouldn’t want to bombard your customers with annoying upsells as they visit your page. Also, it gets worse when you buy traffic from them. Here’s why.

Email Marketing with Upsell Spam

What happens when you buy traffic from them is that you are buying ang paying email spammers to promote you offers.

Increasing expenses

On top of the payment you do monthly, you also have to set aside a budget for the ads you will be needing. Also, there is a separate sign-up for the email autoresponder. This is needed to create you email list. Price starts at $19 per month and it is only for 500 subscribers. If you have more than that, you must pay more. It is around $15 a month for you to accommodate 1,000 subscribers.


Money earned through hard work is a way better than buying scam email and bombarding your customers with it. Perpetual Income is not a scam but there are a lot of affiliate marketing networks that are way helpful and are for free! One of the most successful networks is Wealthy Affiliate.

Affiliate Marketing is steadily growing and being known to be a good method to generate money and income. It does not require prior experience, though that would be an advantage. Those who are only starting find it hard to understand and all the technical stuff that is basic to the field.

Good thing there is Wealthy Affiliate, ready to help those who are starting or wanting to grow their business! This is website-based that offers free sign-up and a lot of free features with it!

The free sign-up is already inclusive of training and mentoring either face to face or through webinars. The founders are also hands-on with it and they join in the mentoring and training. The webinars are scheduled every week which is good because you will be able to get fresh updates from the market!

Also, there are no Upsells or spam. You will learn and surely grow into how to create traffic into website. The success of Affiliate Marketing is based on the trust and relationship between the affiliate and customers. Spams are not advisable in especially if you are just starting. This will hurt your website and the brand’s name!

If you are worried in building your website or writing your own article, Wealthy Affiliate has got your back! They will help and guide you build your website with WordPress and you will also learn skills that you need for writing and selling products in your article.

Their community is very active and respectful! You can see this in their forums and discussions. Most of the reasons that put people off are the harsh and disrespectful comments of those in the community. In any business, it is very important for people to be surrounded by the right people to rightly build their career.

Visit Wealthy Affiliate to learn more about these amazing opportunities!

What is 12-minute Affiliate System? Can you really earn money from it?

What is 12-minute Affiliate System? Can you really earn money from it?

12-minute affiliate system is a marketing course which offers training on how to make money online at the comfort of your home. It is created by Devon James and David Sloan. Devon James is known in the field of network marketing and have written some books about making money online in the internet.

This is helpful to those who are starting in online business or affiliate marketing. It gives tips and techniques on how to start making income online without making a lot.

It is also entirely electronic which means that the Ebook is downloadable upon purchase. There is no need to physical shipment of products like CD or other equipment. The format is in Adobe Acrobat PDF and it can be viewed using you PC or desktop, any Apple Products like iPad, Mac or iPhone, and with Android or Kindle.

12-minute Affiliate System Review Summary

Product Name: 12-minute Affiliate System

Product Type: Email Marketing and Affiliate Marketing

Creator: Devon James and David Sloan

Summary: 12-minute affiliate system is a marketing course which offers training on how to make money online at the comfort of your home. It is purely an EBook. The format is in Adobe Acrobat PDF and it can be viewed using you PC or desktop, any Apple Products like iPad, Mac or iPhone, and with Android or Kindle.

Price: Sign up price starts at $27

Best For:

Rating: 6 out of 10


How does it work?

They have three simple steps to start with them:

System Set-up

Like any other product, you need to sign up or create an account. Then you need to put the products that you are promoting with their affiliate links. You can choose from Clickbank, JVZoo and Warrior+ Plus.

Then you will be prompted to set up your email autoresponder and other areas that concerns your sales and earnings. There are various professional emails to follow up on people. This will help you build the right audience and connect them to the right product.

Landing Pages is the equivalent of your own website and you need to connect this with your email for the autoresponder. You also need to choose from their three niches: Home Business, Weight loss and personal development.

Buy Traffic

The system also gives you the option of buying traffic for your website. This is a targeted traffic which means it is focused on the niche you chose. You input the amount or budget you desire and then this will determine how much traffic will to you site.

Earned Commission

After setting up your account and settings, you will have to wait for the system to work the traffic for you and see every commission enter your bank account!

Bonus Features


They have their own website/landing page traffic generator. You can buy traffic that is within your budget. You can freely adjust it!

Exclusive FB Group

Upon sign up, you are automatically directed to their Facebook group where you can ask and read forums and discussions among users.

EZ Funnel Wizard

These are ready-to-use affiliate funnels with any kind of niche that interests people.

Automated Emails

These are professional email templates you can choose from that best fits your product and niche.

Bonus Features

Traffic is one of the most crucial part in starting and sustaining an online business especially in affiliate marketing. So, part of their freebies is training guide on No-Cost Traffic which will help you understand how to drive traffic into your site for free. There are also suggestions on guest blogging to drive free targeted traffic.

In addition to this, there are also 15 personal development topic and product promos that will allow you to sell the trending promotional campaigns that are run by their team.

Great deals for starters!

Done-for-you system

In most affiliate marketing starter pack, you would hear things about website hosting and copywriting and other technical needs. Their system, which they call done-for-you system, does not require the things I mentioned above. It already offers updated and automated ready-to-use system.

It has easy instructions for beginners. Since it doesn’t require much knowledge or experience on the technical side, it might look as a good investment for those who want to earn online.

There are also automatic funnels for the programs you might want to be a part of. There is lesser need to research and find for the right program for you.

60-day Money Back Guarantee

Buying always has its risks but if you are unhappy or unsatisfied with the software or their service, they give you the right to get your money back in full! This is a good deal for those who worry in putting their money at risk.

Low Cost of Entry

Some website traffic generator, like Retainio, costs around $27 up. This affiliate system is way cheaper and easier to use which you buy with $9.95. You can check my review on this to compare the features and specs if you are interested.


Despite the good features it has, it is not for free. Here is the price list for their sign-up and memberships!

Basic Monthly Membership and Basic Lifetime Membership

This comes with initial 14 days free trial. You can pay $9.95 for the purchase and if you wish to continue, then you must pay $47 per Month. One-time payment Lifetime membership is $397.

Gold Monthly Membership

The cost for this membership is $97 per month. If you want a lifetime membership, Gold Lifetime Membership, the one-time payment would be $797.

There is a separate payment for the Done-For-You setup for both basic and gold members. It costs $67 for one-time payment. You can also opt for 3X Your Results Blueprint if you pay $39 for it.

What risks are you facing?

12-minute affiliate system is not a scam but there are some things that you need to consider before buying it. Like for example, spending a lot before you earn and going negative in your balance!

Additional Charges

There are a lot of charges to unlock their good features! Its sign-up cost is cheaper than other affiliate systems but there are also additional purchases for other settings.

The money back guarantee is only for the membership but not the for the purchase within the system. If their target is for starters, then you’ve got to have something in your pocket to access their system!

Limited Affiliate Programs

Since their funnels are innately programmed or set by their team, then the customizable parts are limited like the programs you can choose from. You can only choose from the products that are connected or under Clickbank, JVZoo and Warrior+ Plus. Though these are good platforms, there are a lot of better programs that are not included in the lists I mentioned.

As a starter, it is very important that you get to choose the product, program or niche that is of your interest. This is as important as other factors so that you can sustain the income that you have.

Buying Traffic

One of the risks of buying traffic is that you are not sure if all your investment will turn into sales at all. It is possible to spend hundreds and thousands of dollars but not get a single sale or profit from it.

It is very important have a good grasp or understanding of your actual expenses and the guarantee of sales especially if you are not financially stable or capable of the services offered by the company.

Start Free and Gain More Income!

There are equally or even more promising affiliate systems and networks that offers free services and quality feature for starters! This is good news for those who are planning to start business online but do not have the experience.

You can do it risk-free and for free with Wealthy Affiliate! It is a free, user-friendly affiliate marketing network that sets up entrepreneurs for success! It has millions of members worldwide and thousands are being added to this community every week.

There helpful features for beginners to help them build their business and grow it in the long run. Here are some free features that you can check:

Free Sign-Up for Everyone

Affiliate Marketing is a good source of income, but some cannot enjoy their income because they kept on paying their initial investments to the software they bought. With Wealthy Affiliate, you can enjoy your first set of income because they offer their programs for free!

When you sign-up you wouldn’t have to spend a dime or cent to enjoy their privilege. If you are already stable in your income, there are also affordable membership upgrades upon your choice. It is not a spend-first before you can access.

Tools and Training Included

There is nothing better than having a balance self-study and one on one mentoring. Wealthy Affiliate offers both! There are training and mentoring with the creators and other successful businessmen.

There is also website generator included and it customizable in the way that you choose without limits. It has thousands of partnerships with online shops and stores. With the variation that they provide you do not have to push yourself to promote a product you do not like. You can also freely choose your niche.


You can freely ask other members and users about their experiences in the field. It is kind and friendly community that encourages one another. Their community is not only about forums and discussions. There is also a 24/7 Tech Support that you can contact for your queries or problems. This is very important especially if you are starting and still learning the process.

There are a lot more to Wealthy Affiliate! Check it out now!

Buying Website Traffic: Is it worth the pay? (Retainio Review)

Buying Website Traffic: Is it worth the pay? (Retainio Review)

Most of the people that are starting or growing their online business find it helpful to build a website for, but not limited to, marketing. And there are a lot of service offers and promises in building your website and generating traffic.

One of the platforms for this that you will see is Retainio Commercial Software. I am going to share to you some facts and researches about its uses and how it actually works according to those who used it.

Retainio Review

Retainio Review

Product Name: Retainio

Product Type: Website Traffic Generator

Creator: Karthik Ramani

Summary: Retainio Commercial Software is a cloud-based app created by Karthik Ramani. It is a package of softwares – Retainio Upsell, Retainio Pro, Retainio OTO – designed to make your website engaging and interactive which will make it more viral. It promises to deliver a high traffic to your website. It also comes with different features taht help you build and design your website; finding your niche; and connecting you to affiliate programs.

It is not free and there are also in-app purchases and upgrades for you to utilize most of the features.


  • Retainio Commerical $27-$37
  • OTO 1 (Retainio Pro version) $67
  • OTO 2 (Retainio Agency) $97 – $147
  • OTO 3 (Retainio Reseller Elite) $297 -$497

Best For: Creating website traffic and website building

Rating: 6 out of 10

Not Recommended

What is Retainio?

Retainio Commercial Software is a cloud-based app created by Karthik Ramani. It is a package of softwares – Retainio Upsell, Retainio Pro, Retainio OTO – designed to make your website engaging and interactive which will make it more viral. It promises to deliver a high traffic to your website.

It includes the features the following features for your website. Here is some of it:

  • You create wordpress website through their software and it includes content lock.
  • You have full access on Youtube, Vimeo or use and embed code. You can also get images through Pixabay, Youzign and GIFY to add in your blog if needed.
  • Convo: You can do a conversation through messenger or text type with other parties. If you put an email with you website, then you can also have auto responder for it that you can personalize.
  • Swiper: It will make your posts and blogs to be easily accessed for those who are using mobiles/ipads/tabs.
  • Analytics: They give you an overview of how you website is working in the market and in the competition online.

So, how do they actually drive the traffic with these features? Here’s how they do it.

First, you have to create you MicroBuzz Site. From there you can already customize and add interactive elements as per your choice. Do not forget to set up lead capture and add monetization options. When ready, you can write you blogs! As soon as you’re done you can publish, share and supervise how the traffic goes.

How about earning income?

Free sign-ups are worth the effort But if you paid for the software you are using then you should make sure that you will be able to earn more through it more than then money you spent for it. Otherwise, you will lose more.

Passive Income

Having a blog opens a lot of opportunities for your website to gain income. This involves SEO work that the software does for you. This will help you focus more on the topics for what you are going to right. It helps you create contents that can rank top page in the pages of search engines.

Lead sign-ups

You can create a website through MicroBuzz for a specific niche or group. You can do researches on offers for your chosen lead and get sign-ups through your websites. Seeing leads through your website is a way to generate that passive income. You can get around $5 per lead and maybe you can create 3-4 leads a day. Not bad!

Selling your Site

You build your own website so that you can sell it in the future. Creating and sustaining a successful website attracts buyers. When they buy your site you also gain a part of their monthly income. It is like franchising in way.

Create a content generating service business.

They also offer content marketing strategy. You can offer services to those who are also starting online. An example of this is being paid to do social media management to your clients. You can get paid with how much rate you would want them to pay you. Having 5 clients is not bad to start with!

In an overview, this is how it looks like: We know that keywords are very crucial in your blog as it will drive traffic and clicks to your sites. What Retainio does is that it will review and check your keywords, and give you suggestions! Then you can use those keywords to write your blog. Once you post it, it will create backlinks through your social media. After that, you can check how Retainio drive traffic into your site and start monetizing that traffic.

Good deals available when you join…

Aside from the features included in their package, there are also bonus features that you can maximize.

They offer training called, Article Marketing Influence. You will learn tactical advantages to utilize your bog and website. This will guide you how to achieve the goals you want to get done in you website.

Another thing is the images that you will use in your blog. It will help you property categorize your images because this will help your website rank high on Google. This optimization is important in building a good website. There are also customizable CTA buttons you can use.

Since they also promise about leading traffic to you website, then a Traffic Handbook is also given to you. It talks about how you study your business, your audience and customers, and how to reach out to them.

Also, they provide a program called Affiliate Marketing Mastery. There are details that you will need to know about Affiliate Marketing, all its ins-and-outs and how to go around about it. There are several ways to unlock how to thrive in online business and gain income.

This guide will provide you details on all the ins-and-outs of affiliate marketing

Lastly is Amazon Affiliate Profits. Amazon is known worldwide to be successful and legitimate online platform to sell and market products. Retainio also included Seven Important Elements to consider learning more about Amazon, why it is the best choice for Affiliate Marketing program and how to earn money with them.

Downsides of Retainio

NOT Free!

This can be heavy specially for those who are starting or for those who are actually saving up that is why they are getting extra income. This software has really good features but you’ve got to spend some bucks to get this! Here is a list of prices

  • Retainio Commerical $27-$37
  • OTO 1 (Retainio Pro version) $67
  • OTO 2 (Retainio Agency) $97 – $147
  • OTO 3 (Retainio Reseller Elite) $297 -$497

Full Benefits are locked behind the upgrade

Most of the good features are actually available if you upgrade into premiums. It is like spending more and more to enjoy the good features!

Limited Affiliates

They focus more on Amazon Affiliates in their program. Nothing wrong with it! But there are a lot of good programs out there where you can maximize and earn from.

Self-study trainings

Most of their trainings and tools are in the form of Ebook. It can be really hard especially if you are not a reader or maybe you just have no time for it. Instead of spending those times for you research and blog, you need to read the Ebooks first.

However, despite the cons mentioned, Retainio is not a scam. It is high-end software that actually helps online entrepreneurs to grow and build their platforms online. There are numerous good comments about it and also equally important cons to consider!

If this is too overwhelming (and it can get overwhelming at times), here’s a good advice to answer you’ve have to try!

FREE Affiliate Program, Same High Earnings!

There is no doubt that Affiliate Marketing is one of the fastest growing online businesses. A lot of people in any age range are drawn into trying it and succeed! There are a lot of promising platforms online but not everyone could afford it.

This is why it so great to have free sign-up successful programs online that is equally legitimate and successful as the paid one. Wealthy Affiliate is one of the biggest Affiliate Marketing platforms. It currently has millions of members and thousands being added weekly! Wondering why? Take a look at these freebies!

Free membership

This is every helpful if you are starting or trying to build your business. Instead of paying for a lot software, you can use those resources in other expenses where it is needed. You will save a lot and gain the same income through Wealthy Affiliate!

Face to Face/One on One Training

One of the advantages in Wealthy Affiliate is having face-to-face or one on one mentoring or training. You have access to videos and manuals that will teach and guide you in your online business. You get to ask questions real time and have a conversation with trainers.

There is also a weekly webinar where in you can learn up-to-date info about the field or the market you are working on. Awesome!

Website Builder

Included in this platform is a website host and domain! It is very pricey to pay it on a different service. In Wealthy Affiliate, you can already have it in their package. They will also help you build and personalize according to your needs and market.

Keyword research tool

Since SEO is a great determinant of your success in here, they are also providing a research tool that computes the competitiveness of you keyword. Can’t think of anything? It is okay. It will also give good suggestions of high rank keywords for you!

24/7 Technical and Community Support

What if something goes wrong? You do not have to wait for cue! You are welcomed by tech support 24/7. This will save you a lot of time and energy than waiting for another office hour to ask or figure out things by scrolling hours in the internet.

Another thing is the community within the program. You will not study the topics alone but you will also learn from other people who are also starting or are successful in the business. They are very engaging, kind and active community.

Worldwide partnerships

Finding the right niche is very crucial and not easy. Thanks to Wealthy Affiliate because it already offers legitimate and successful affiliate programs! All you need to do is choose from their categories where your interests and likes fit. You choose from thousands of good programs.

So, why but something you can have for free? Check out Wealthy Affiliate and learn more!

Ebates Cashback Review: Can you really earn from it?

Ebates Cashback Review: Can you really earn from it?

Who would have thought that you can still save or gain money while you buy the things that you basically need or want? Most of the online consumers are so into rewards and rebates. In fact, most studies have shown that 65% of online end-users across the globe are currently members of a rewards program.

This a way for the buyer to somehow “recover” a portion of their hard-earned money spent at various retailers. This is through trusted, legit loyalty websites like Ebates.

Ebates Review Summary

Product Name: Ebates

Creator: Former deputy D.A.s Paul Wasserman and Alessandro Isolani


Ebates is well-known in the area of cash-back rebate industry. For the past decades, it has proven a good track record of paying its members and abiding to law and rules of the business.

It is also very promising since a lot of investors continue to support and partner with them giving Ebates an overwhelming positive cash flow.

It is a good a way of earning!

Price: Free sign-up

Rating: 8 out of 10


Ebates CashBack

What is Ebates?

Ebates=cashback, cashback=ebates.

This is the common conception of people when it comes to Ebates and it is known for it. It is widely used by a lot of people because of the success it has proven in the past decade. It allows you to earn up to 40% cashback at more than 2,500 stores. To maximize you savings, there is an option to combine your cash-back rewards with the special offers, hot daily deals, promo codes, and coupons that are on their list.

Quick History

Ebates is well-known in the area of cash-back rebate industry. During the rise of technology in 1998, former deputy D.A.s Paul Wasserman and Alessandro Isolani founded Ebates in California.

Their seed funds came from Foundation Capital, a venture capital firm and their website was built by a contract coding firm and they launched it a year after.  Their initial offer of cash back is up to 25% cash back at around 40 stores.

In the succeeding year, companies started to invest in Ebates which helped the Ebates have a stable and steady way of generating positives cash flow. In 2000, Canaan Partners and August Capital co-led a $20 million investment round in the company. This also led to a compound annual growth rate of about 50%. It allowed Ebates to acquire several online businesses since 2011. This includes Cartera Commerce and ShopStyle

How does Ebates Work?

Online shoppers have cash-in from Ebates for their cashback deals! There are also testimonies to this that they paid members over billions dollars in their cashback through their online purchases.

They give simple and easy-to-follow instructions to the interested shopper. Remember, you have to do all these BEFORE you shop! In order to save and make an earning, all you need to do is simply click an Ebates link. This will lead you to start an Ebates Shopping Trip  and then you can make your online purchases.

This is great because you do not need to give out personal information or fill up a form for you to earn rewards. Also, you do not have to keep count of your points because points are not needed! Ebates offer this free cashback rewards to you.

All you need to do is click the link to earn money! You will be able to get your money and withdraw every 3 months. Here are the payment channels you can use: PayPal or a Big Fat Check.


Ebates Cashback Limitations

Definitely Ebates is not a scam. With its years of experience and proven record, it has helped a lot of people earn money. It is a fully legitimate company and business with its BBB accreditation with an A+ rating in the recent years. They are fully compliant with all the regulations with their national and international affair.

I think this is given because the founders rendered government services as lawyers and professionals.

But in any business, there are also downsides to consider. Here is a list from those who has been a part of Ebates for a time.

Limited Service Area

Ebates is not available to all areas. Its services are only limited to the following countries: The US, Canada, China, Japan, Singapore and South Korea. Ebates is currently unavailable to residents of the European Union (EU) and the European Economic Area (EEA) which we do not now up to now if there are future plans of establishing it in these areas.

No past earning of cashback

You cannot earn cashback from your past consumptions and spending online. You have to sign-up and be a member of Ebates first. Start shopping using your Ebates so you can start earning through their cashback.


You have to check out Ebates policies and qualifications so you’ll know what to expect and what not to do! Some transactions that involve taxes, shipping, Gift cards or certificates do not qualify for cash back rewards. Ebates only gives cashback on select gift cards purchased at various stores which you need to check on their list!


Great deals with Ebates

There are several reasons why people trust and go with Ebates for earning while they shop! Aside from their good track record and reviews there are some of the things that their users and customers are fond of. Like for example, free memberships and a lot of store partnerships! Take a look at them one by one.

Free Membership

Like any other free memberships, you do not have to pay anything in order to become a starting member! In addition to that, Ebates will also give you a welcome cash-in of $10! Great! Right?

Hassle-Free Payments

Sky is the limit when you are earning with Ebates. You can earn as much money as you want or wish to. And when withdrawing your money, you can get a minimum of as low as $5 and they pay you on time. Payments come every three months. This is their regular schedule for payments. Start setting up your PayPal or Big Fat Check!

Comes with the payments are the variety of cash-in bonus offers, hot deals, great discounts, promo codes, coupons and similar offers! Ebates gets paid by their partnering stores and Ebates pay you in return with this earnings.

Great Website Interface

Different generations would find their website to be visually appealing and easy to navigate! They have an up-to-date website design that gives comprehensive information to its visiting customers. It also caters and builds strong customer support especially for those who have specific questions or needs.

Affiliate Marketing and Wealthy Affiliate: Save more and spend more!

If you love shopping and buying online and at the same time are serious in finding a way to save and have more opportunities then I think you also have to try Affiliate Marketing!

You wouldn’t just have to buy the product but be a part of a bigger business of leading people into the product that you love! Not only that but you also earn from its sales. Here are some more things about it.  

Easy start

There are numerous legit affiliate programs available online where you can start your business. All you need to do is have a working website as a platform for you to use in marketing the product and sign up in their program. You can also sign up to Wealthy Affiliate to make it a lot easier!

Free Sign-Up

Affiliate marketing is also a free start-up business for everyone. Interested shoppers, customers or entrepreneurs can sign up and join the affiliate program to promote links of the merchants.

Passive Income

If cashback allows you to earn while you spend, affiliate marketing allows you to earn even while asleep! You can definitely earn a passive income with it. This is one of the strengths of affiliate marketing. As long as you there are people buying products through your affiliate link, you are earning!

If you are to check Wealthy Affiliate, they are already partners to thousands of different legitimate merchants and products. It wouldn’t be hard for you to find the right niche!

Services for everyone

Unlike Ebates cashback, Affiliate Marketing is for everyone – regardless of age and location! Its legitimacy is also not put being put into question. If you really want to make sure that you are on the right track, it is good to be a part of a community.

Wealthy Affiliate can provide you with this kind of filter in having legitimate products and merchants and also to build your own platform for it. Not to forget, you also get to learn how to keep the traffic coming in your website!

With Wealthy Affiliate, its free sign up also gives you a lot of advantages with it! You do not need multiple apps to manage you accounts or business. Wealthy Affiliate does it for you! Several services are given for the things that you will use in starting your business. Here are some that is included when you sign up for free:

  1. Access on their main website
  2. Inclusive of training, mentoring and videos!
  3. You will have a community to learn from and will you grow your business
  4. The tools you’ll be needing like website and connections to channels are also included!

and many more great deals and opportunities! Check out Wealthy Affiliate!

AliExpress Dropshipping Reviews: SAFE or SCAM?

AliExpress Dropshipping Reviews: SAFE or SCAM?

With the rise of demand for online business and work, people tend to become more creative in order to raise income. Online selling platforms, like AliExpress, offer various ways to its customers and consumers not just on how to buy affordable items but also how to earn money from them.

One of these is what we call, dropshipping. Sounds familiar? If not, then let’s take a look at what is dropshipping with AliExpress!

AliExpress Review Summary

Product Name: AliExpress

Creator: Alibaba Company


AliExpress is an online shopping platform that offers cheaper prices of its products as compared with its competitors like Amazon, Ebay and other similar services. It is also widely know for its Dropshipping offers to its customers. It is as easy as buying products from them but there are other factors such as your online store and supplier management, that you need to work on

AliExpress Dropshipping is good but I don’t think it is the best way to go if you want to earn or start a business. Too many legal risks, too!

Price: Free sing-up

Best For: Online shopping

Rating: 5 out of 10

Not Recommended

Competing online stores
Top three competing online stores – Amazon, ebay and AliExpress

What is AliExpress?

If you are into online shopping and simply prefers doing things online, then you might have come across with AliExpress. It is an online store that is known for its cheaper prices compared with its competitors like Amazon, eBay and other similar services.

AliExpress is owned by Alibaba, a massive Chinese multinational company focusing on e-commerce and computing. Alibaba is also one of the world’s largest internet companies. They founded AliExpress last 2010 primarily as an online selling platform of different products.

How does AliExpress work?

For the past years, it is also becoming popular in the field of dropshipping.

Dropshipping is a convenient business model that allows entrepreneurs to start an ecommerce store without every stocking inventory. In dropshipping, your suppliers will store the products in their warehouses. If you make a sale they will be the one to pack and send it to your customers. Whenever a customer buys your product you have to contact you supplier.

If you choose AliExpress dropshipping, it already offers a huge catalogue of products. Starting entrepreneurs can find and source products for their e-commerce businesses using the website. For your online sales, if you were able to sell some from it then you can then purchase your products from AliExpress suppliers. They will ship those orders to your customers.

Dropshipping with AliExpress means you but through supplies through their platform. So when your customer purchases a product, enter your customer’s name and shipping address. Then, AliExpress seller handles the rest.

How to Earn Money through AliExpress Dropshipping?

Looking at the business model, it is easy to understand how to earn money. You sell and get profit from you sales. The following are noteworthy:

  • Your prices are not regulated by the SRP (Suggested Retail Price). You can strategically name the price of your products.
  • You can also come up with your own policies: quality, payment, refund or return policy.

However, it might not be as easy as it looks to be. Like any other business it also has its own workload for it to be successful and legitimate! So what are the good things and the serious problems encountered with AliExpress Dropshipping?

Good things to consider …

There several good reasons why most of AliExpress’ were dropshipping other than merely shopping and consuming from their website. There are actually more resellers that buyers and most probably it is because of the following reasons:

Free Start-up

Dropshipping with AliExpress is also comparatively easy. It is one of the free start-up business online that requires lesser commitment specially in checking or trying out products. Even the services that come with it are also free at first. Who wouldn’t want something free, right?

Access and use of some of their promotional materials

AliExpress also gives freedom to their customers in accessing their existing promotional materials. This includes photos and descriptions that can help you sell better. However, it is also recommended that you invest on your own promotional and marketing tools or materials. One good reason is for you to be able to manage you branding. You can also personalize the description so you can balance the truth and facts about the material.

Easy process

The same process goes when doing a dropshipping transaction. It is like buying the product for them in the website. You simply put your customer’s name and address on AliExpress!

AliExpress downside

Is it a Scam? How safe is it?

It is not a scam because you honestly gain income from dropshipping. But there are also a lot of legalities at stake which will cost you more. You better weigh the options and count the costs. Here are some things you need to look into:

Multipletasks, Lots of app downloads

There multiple steps, apps to download and platforms to research on. You need to make sure you have your store and your own inventory. Create your own store or page using social media platforms. This is also needed so that you can look for customers and dropshipping channels. There are already droppshipping apps that can help you to this like Shopify which has an automated product feed. You also have to do your own inventory and notetaking of sales. There are apps for this like Oberlo.

Delayed Shipment

In dropshipping, you are not able to control shipment as the supplier will do it for you. This is one of the inevitable problems in this business and which also causes bad impression you’re your store.

Supplier Management

Even though you do not have a direct control over this, it is something you have to be careful with. Supplier management, proper inventory and shipping methods are very crucial. Since this is a business, customer satisfaction is at its core.

You have to make sure that your customers are satisfied with the total product quality and services. Most of the suppliers online right now are into profit and not on customer satisfaction. All successful dropshippers work very closely with trusted and legitimate suppliers.

Copyright Issues

One of the unique issues of dropshippers in AliExpress is the copyright infringement. There are a lot of stores in their website that sells counterfeit goods. Well, this is very common to most people that these products really put the dropshippers into legal entanglements with legitimate companies whose product were copied by some Chinese manufacturers.

Payment Methods

With reason above on copyright, most payment options are banning website and stores to make any money transaction with the customer. They ban or became more strict with their policies and validity of identity for users.

Here are some legal issues I came across with in my research:

  1. Company registration and tax is also another challenge. Most of the dropshipping transactions are made internationally and within your locality. In the case of international shipping, you should be aware of the business laws and rules that regulate it. This could cause a great damage on your business if overlooked.
  2. The product research and selection become very important. You have to keep yourself updated of the market trend. In this way you will keep customers easily or find new ones. Selling old or outdated products wouldn’t be as interesting as selling what is new. It will also be helpful to focus only on one niche so that you can grown your business.
  3. Most of the supplier’s in AliExpress has this “No Return, No Exchange” policy. This means that if your customer is unhappy with the product, then you have to handle it yourself. It is good to aware of these kinds of policy so you can communicate and clarify it to your customers before the purchase. If it still happens that they are unsatisfied with your product and services, then you might to reconsider having a different supplier. Especially if the complaints are mainly on shipping and product.

Like any other business you have to be aware of the law in your place and in the places you are shipping. Since there are no international laws yet regarding it so you have to look at that personally.

Affiliate Marketing and Wealthy Affiliate: Safer way to build a business!

If you are interested in starting or growing your own business and in increasing you income, I highly recommend Affiliate Marketing! It is somewhat similar and different to dropshipping. Here are some reasons why.

Free! Free! Free!

Just the dropshipping, affiliate marketing also is a free start-up business for everyone. Online stores like Amazon and other popular products offer an affiliate program with a free sign up. Interested entrepreneurs can sign up and join the affiliate program to promote links of the merchants.

All you need to have is a website and a domain where you can market your products! Wealthy Affiliate is free yet very helpful when it comes to this because they cater the basic needs of an entrepreneur. It is like a one-stop platform for affiliate marketing!

Passive Income

This is one of the great things about affiliate marketing! It is profitable even when you sleep! You can earn a passive income with it. You have to work on your outputs and research but it doesn’t requie a full-time activity for you. As long as you there are people buying products through your affiliate link, you are earning!

Unlike dropshipping where you are in charge of setting up a store and inventory, in affiliate marketing you simply help them find the best deals and quality product by leading them to the right store or brand. This is safer wherein you wouldn’t have to worry about copyright and legal claims.

If you are to check Wealthy Affiliate, they are already partners to thousands of different legitimate merchants and products. It wouldn’t be hard for you to find the right niche!

No Customer Support

You wouldn’t have to worry much about the customer service and satisfaction because your merchant will do it for you. You simply have to look for the products and affiliate programs to join in. Then, simply keep the traffic coming in your website!

With Wealthy Affiliate, you do have to download multiple apps or get several services for the things that you will use. It already offers all the start-up and build-up that you will need in starting your business. Here are some that is included when you sign up for free:

  1. Access on their main website
  2. Inclusive of training, mentoring and videos!
  3. You will have a community to learn from and will you grow your business
  4. The tools you’ll be needing like website and connections to channels are also included!

There more to see and find out! Check out Wealthy Affiliate!

Robinhood App Scam? A Fake Investment Scheme?

Robinhood App Scam? A Fake Investment Scheme?

They say this is the best time to buy stocks and invest! So you head to your search engine and look for the best way to do it. And Robinhood is one of the free-trading app that is mainly used by millennial.

Learning stocks could be a bit overwhelming and trusting someone else to do it for you is another thing. How secured and safe are your investments?

Robinhood Review Summary

Robinhood is an investing platform that offers free stock, options, ETF and cryptocurrency trades, and no account minimum. Mutual funds and bonds are not covered and only taxable investment accounts are available.
However, there are now far better investing apps that offers free stocks or commission-free.

All about Robinhood

Vladimir Tenev and Baiju Bhatt, former financial company owners, founded Robinhood Company to include everyone in the financial system, so as their mission states: “provide everyone with access to the financial markets, not just the wealthy”.

With the observation that in every traditional trade, it is the American that always gets the commission and has higher opportunity to be wealthy. So, one of the main characteristic of Robinhood is being commission-less which means that nothings goes to the company like fee or charges.

They actually make money from payments for order flow, a common although controversial practice whereby a broker receives compensation and other benefits for directing orders to different parties for trade execution.

How to earn using Robinhood

Robinhood is one of the leading competitors in the very promising and fast-growing fintech industry. The traditional way of investing and banking is now being put into the digital platform where billions of dollars are being invested on it.

It supports trading of more than 5,000 stocks, including most equities and exchange traded funds (ETFs) listed on U.S. exchanges; options contracts; cryptocurrencies such as Bitcoin and Ethereum; and American Depository Receipts (ADRs) for more than 250 globally-listed companies.

Coding problems and Loopholes!

Coding problmes and stocks

Robinhood faced series of coding problems in their system for the recent years and there is a new just this year! After an issue is resolved, another one comes up specially during hit-in or peak time. The company also suffered loss and their users as well. Let’s take a closer look at them.

Infinite Leverage

Robinhood users, mainly Gold members are manipulating the app by the use of a cheat code which is being spread through Reddit App. (News by 2019) In the comment section, a user bragged about gaining a $1M position with just a $4000 deposit.

This is caused by a loophole the app that puts the borrowed money into the user’s capital. This means that when the user will borrow money from the company they will give them a higher value and so the cycle goes on.

The glitch in Robinhood’s trading app allowed users to trade with unlimited amounts of borrowed cash, with one trader saying they turned a $3,000 deposit into a more than $1.7 million position.


After the issue on “Infinite leverage bug”, there is an outage last March 2020 which is a busy time for trading because of the Pandemic. This another code error of the company led to an error that locked users from accessing their accounts. This also caused users loss in their potential trade during that hit in and peak time.

Unsupported Mutual funds and bonds

Robinhood also lacks an automatic dividend reinvestment program, which means dividends are credited to accounts as cash rather than reinvested in the security that issued them. The company has said it hopes to offer this feature in the future. Also, investments only come through individual taxable accounts.

Customer support only comes through emails.

There is no available phone or telephone numbers which are commonly available for other brokerage customers. You can also send your queries through their online help center. Their website is easy to navigate.

How about the good points?

Free Investment Photo

There are also numerous reasons why a lot of people, specially newbies in stocks, are drawn to use Robinhood. Commission Free and Low -Cost expenses mixed with a very promising future surely catches anyone who’d like to earn big time!

Commission Free

The Company’s initial success in the industry is brought by their commitment to providing 100% commission-free in all their products. This means that you can also save and have a return from the supposed to be commission or fee.

Low costing

Most of the service charges in any trade or transaction come from the maintenance of accounts. Because Robinhood has their own subsidiaries for different services like, The Clearing (the company’s own clearning system), this reduces some of the service’s account fees.


They have varied products for investment like stock, options, ETF and cryptocurrency trades. They are members of the Financial Industry Regulatory Authority (FINRA) except for the cryptocurrency. It is stated in their website that cryptocurrency under Robinhood Cryto:

“Cryptocurrency trading is offered through an account with Robinhood Crypto. Robinhood Crypto is not a member of FINRA or SIPC. Cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC.”

Mobile and web trading platforms

They have an easy to use web interface and design. Their process of application/signing up also only takes few minutes of verification and validation. This is made easier when you use the application using your phone!

They also offer automatic bank transmittal verification which lessens the user’s concern of to go the bank for registration or notification. The reflection on the account also depends on the amount being transferred. It normally takes 3-5 banking days to process. Users can set up automatic deposits on a weekly, biweekly, monthly or quarterly schedule.

No Minimum Account

There is no minimum account and it allows fractional shares which mean you can divide your investments into multiple portfolios. This enables you to buy many more companies, even if you don’t have a lot of money to invest. This is also a good way to manage investment, in case one investment goes down you still have 2 or more investments to go with.

Is it a Scam? How safe is it?

Robinhood is accountable to and is being regulated by top-tier financial and government authorities which make it safer and ensured the legitimacy of the company. The risks on coding errors which led to money loss and deceit are also present. Now, let’s ask a more relevant question: Is Robinhood for me? Does it suit the investment I want?

Robinhood is obviously for those who are well-versed in stocks, options and other investment products. That is why the safety of the investment also falls on how well you do you know the game.

Here is another form of investment that will surely suit your needs!

Safer Way to Invest and Have a Passive Income!

Make Money Online Photo

Affiliate marketing is one of the growing platforms where in people invest their time, money and effort. What you do is simply to be affiliated with a product that you like and market them on your own website! It is a good source of passive income and involves lesser risks money loss! Check how it works.

  1. Free – there is no capital needed! No capital means no loss. All you need to do is custom a website which will serve as you platform. Don’t have one? Marketing Affiliate will help you do it!
  2. Commission – earning comes from getting a commission from a product that was bought through you website. So the more traffic in your website, the more chances of selling then the more commission you will get. You literally earn while you sleep!
  3. You own your time – You do not have a boss think about or a dropping stock market to worry about. You can work in the most convenient time and place for you!

This will get more interesting as you join the community of Wealthy Affiliate. This is an online platform that commits to help you earn your money online for FREE! It has over millions of members and thousands added every week.

Training and Tools

They offer training, tools and modules that will help you start up this business. Here a rough list of what you’ll have for free:

  • Live Help
  • Websites
  • Website Backup
  • Beginner Training Course
  • Personal Affiliate Blog
  • Affiliate Bootcamp Training
  • Video Walk-Through
  • Keyword Research Tool
  • Training Classrooms
  • Affiliate Program
  • 1-on-1 Coaching


You will not go through it alone! You can learn from people who have been where you are right now and learn from their experiences!

If you are looking for a one-stop platform for everything that you need then Wealthy Affiliate is also an excellent choice for you. It covers market research tools, web building tools, domain registration, website hosting, website backups, site security, and other related concerns! Instead of paying different services from different companies, choosing Wealthy Affiliate will lessen your effort and expenses! It literally provides everything so you can start earning. Try it out!



Have you heard of BitCoin? Etherum? etc. These popular apps and platforms that allow you to invest and double your money in days! But how true and safe is it?

Investment involves risks. No matter how we try to verify and validate offers we cannot get rid of the risks but we can lessen it. Cryptocurrency is one of the known virtual investment platforms.

Cryptocurrency Review Summary

Cryptocurrency is digital currency that is used to have peer to peer cash transfer or transaction. It is decentralized which means it is not regulated by the bank or the government. Since it uses blockchain, it is harder and even impossible to tract individuals or owners! It is susceptible to inflation and extra charges but it is of higher risk of scams, hacks and false investments because of its price volatility.

Scam and Hack Risks: 90/100
Recommendation: Not recommended

What is Cryptocurrency?

The convenience that we enjoy right now using electronic cash or ecash was an impossible matter to developers at first. Several attempts were made but were not fully developed. Their main problem is the double spending issue that allows counterfeit transactions. Until a group who called themselves Satoshi Nakamoto announced a successful peer to peer electronic cash system with the use of blockchain as a ledger.

Cryptocurrency is digital money or digital currency. It does an electronic cash transfer between two people through a blockchain. Its unique characteristics as a system are the following: decentralized, transparent and irreversible.

Cryptocurrency Basics: Things you need to know

The nature of the cryptocurrency is technical so let us look at these major points to make it understandable:

  1. Digital Money – unlike the use of paper money or copper coins, you buy digital tokens or coins online to make money transfer.
  2. Decentralized – In the traditional way of money transfer, there is a mediator or third party like your bank or the government. Their role is to keep tabs of your check and balances while you do the transfer to avoid frauds and scams. In cryptocurrency, they use blockchain wherein the check and balance process is considered safer.
  3. Transparency – So what does cryptocurrency use to ensure the transfer? They have a public ledger of your accounts which are seen by everyone in the community (transparency). They will see your wallet address (public key) and the amount of coins being transferred. You send and confirm it using your private key.
  4. Irreversible –They use mining process where in “miners” confirm the transfer by solving critical puzzles given by the system. Once confirmed, it is already irreversible and cannot be forged.

So far so good right? But what are the implications of this? Let us check the good things first. Of course, you’ll ask “How do you make money with it?”

How to Make Money with Cryptocurrency?

  1. Mining – Miners are the single most important part of any cryptocurrency network, and much like trading, mining is an investment. Miners does a bookkeeping service for the communities they belong to. They compute and solve complicated cryptographic puzzles, which is necessary to confirm a transaction and record it in a distributed public ledger called the Blockchain. The higher the computing power they accumulate the higher the chances of solving the cryptographic puzzles. Once they solve the puzzle, they receive a reward and a transaction fee.
  2. Wallet – Cryptocurrency serves as your digital wallet, just like any other banks the more you buy and use the tokens and coins, you also earn. Since it is decentralized and not moderated by the government, its currency is not affected by inflation rate or changes in the value of your money.
  3. Fee – Another advantage of being decentralized is that you can get off the hook of the additional fee and charges in a normal transaction.

Cryptocurrency: High Risk Investment!

However, there is always a bad side to everything. This is equally important to consider when making an investment!

  1. Equipment as Miner – I have a laptop! Is it enough? Yes if you were working on the onset of this business. But now, most of the mining jobs requires an industrial-grade mining hardware. On top of that is the amount of electricity you’ll need to power it up.
  2. Competition as Miner – The higher the number of users, the lesser rewards you will get. Wait, what? Yes, for most of the cryptocurrencies they are only designed to hold a maximum number of tokens and coins for circulation. For example, when Bitcoin was first created, the reward for successful mining was 50 BTC. Now, the reward stands at 12.5 Bitcoins. This happened because the Bitcoin network is designed so that there can only be a total of 21 mln coins in circulation.
  3. Stability of Currency – Despite the high possibility of gaining value in the future, there is no cash flow that is a factor in good investment. In cryptocurrency, there is too much price instability – it rises and drops in a matter of time.

And the worst of all …


Cryptocurrency SCAMS and HACKERS

For the past years, there have been a lot of illegal activities using this platform. Millions and Billions of coins and tokens were stolen by Hackers and Scammers. Because of its lack of protection, it has been abused by scammers as a way to steal money from people through its tokens and coins. Since it is highly private and individualized, it is impossible for the law enforcement to trace frauds and theft.

Another scenario are hackers, According to a report by CipherTrace, since January $4.26 billion in total has been stolen from cryptocurrency exchanges, investors and users. Examples are BITpoint hacked for $28M, Binance hacked for $40M and many more. It also has bad effects on the people who actually lost their ‘investments’.

How do I Make a Living Online?

So where’s the best place to invest?

I am very thorough when it comes to choosing the right platform to invest in especially in the virtual world. If you are thinking of a good source of passive income or how to make money while you sleep, then I’ve got a something for you!

Affiliate Marketing is one of the safest platforms to invest your time, skill and money on! What you do is to simply promote a product or service of your choice. You can also choose you own style and technique to reach your audience! If the product you promoted got sales through your output then you get a commission from the sales.

Simple yet important advantages:

  1. It is a low-cost business opportunity and billion-dollar industry! If you have a laptop, an internet and a creative mind, you are good to go!
  2. No investment, no risk – you do not need to pay for the product or take part in any operation that they have. Since you will not spend a dime on it, there is nothing to lose.

So how do you actually start? How do you find the product to promote and start publishing? To start-up to any kind of work or investment, it is always good to have mentors and be part of community. In the field of affiliate marketing, Wealthy Affiliates is known for this.

Wealthy Affiliates helps you not only how to start but also how to grow in your career! You can sign up for free and explore trainings and courses offered. They also have a community from whom you can learn from. It also provides the tools and platforms that you need.

Wealthy affiliates connects you to the right merchant or products. You will not have to drag yourself in doing things you do not want! It also ensures their legitimacy and secures your website from hijackers that can steal your commission.

If you wanna know more about what I am talking about visit Wealthy Affiliates website and see for yourself how good it is!