October isn’t just about crisp air, cooling days, and pumpkin spice everything… October is also Adopt a Shelter Dog Month. While there are always dogs in shelters, looking for their new Forever Home, in October the ASPCA, American Humane Society, PetFinder, and other pet friendly organizations encourage those who can to reach out and adopt.
Captain PC and his best pal PC Pup!
So, that’s what you do… you go out and find that dog that looked into your eyes, straight to your soul, and now you have a new best friend. But your friend needs stuff! (more…)
One of the biggest reasons why many people live paycheck to paycheck is because they think they don’t have any money to spare for savings.” Honestly, you can’t afford not to save money in order to help get ahead financially.
Here are some easy ways to save some cash, even if you’re on an extremely tight budget.
A recent article in The Cut online touts the benefits of paying off your smallest debts first while paying the minimum amount due on your other balances. Dave Ramsey was the first person to pioneer this financially savvy technique called the “snowball method”.
Multiple studies have been done to prove Dave’s theory. Basically, by following this method, you can get rid of your smallest debts, then take the money you’re saving from those monthly payments and apply it toward your larger balances (on top of with the minimum payment).
As you continue to “snowball” your payments into larger ones, your credit card balances begin to be reduced more rapidly. This method allows you to apply increasingly more discretionary money toward your debt. It also helps to pay it off more quickly than either making minimum payments on everything or paying off the larger balances first.
Keep Spending in Check
Mint.com suggests following the “50/20/30 rule.” This is a great spending rule to apply when you’re in your 20s because it helps to establish budget guidelines that can help future goals be achieved. But, it’s never too late, so start applying this rule as soon as possible.
The rule states the following:
50% of your income can be spent on basic needs such as rent, groceries, and your gas/electric bill.
20% of your paycheck should be put away into savings and paying off debts.
30% of your take home can be spent on non-essentials like eating out, entertainment, travel, etc.
When you follow these guidelines for spending parameters, you’re far more likely to stay within a budget that can help you get ahead. Many people who have applied this principle have been able to keep debt low, save up for what they want, and go on more vacations.
Earn Some Extra on the Side
Savings accounts are as simple as money in versus money out. If you need to make a little extra cash to help you pay bills or add to your savings each month, why not get paid for online surveys?
They are quick, easy, fun, and very rewarding. Some serious survey-takers report making between $12 and $18 an hour. Many online paid survey jobs offer more than cash; you can earn points that can be cashed in for prizes or gift cards.
PointClub is one of the best paid online survey sites because we reward points for every survey you start. That’s right! Even if you’re unable to finish your survey because your baby woke up from nap or your neighbor wants to chat, you’ll still get rewarded just for trying.
Your points earned can be traded in for cash or gift cards, so don’t wait another day. Join for free today and get a $5 bonus for signing up!
Did you know that you could get kicked out of an online survey for doing certain things? It’s true! Some people think they can “game” the system and get away with it, but here’s what you should know about why that doesn’t work.
Telling the Survey What You Think It Wants to Hear
When a survey asks you questions about your likes, dislikes, and personal data such as your annual income, always answer honestly. It can be a temptation to answer in a way that you think the survey is looking for, but that never pays off.
Our site flags survey answers if they start looking suspiciously inconsistent. Dishonesty is the fastest way to trigger those red flags. Here’s how we do this…A member’s profile and prior survey answers help our system get to know that person better. If answers are inconsistent with the existing data provided by the member, it’s highly likely that they will be disqualified from the survey.
We go through every one of our surveys ourselves to see what types of answers will flag our system. This helps us to detect and prevent unsavory activity (and bugs in the system) before our members are invited to participate.
In the long run, everyone benefits from honest answers — the hosts get the feedback they need and the members get paid to do online surveys.
The Survey Quota Has Been Reached
Just like a limited time sale, survey invitations are limited as well. If you’re in the middle of a survey and it suddenly kicks you out, it’s likely that we’ve already reached our participant quota.
This is why it’s a good idea to have a separate email account set up for your survey activity. Here are the top 2 reasons to do this:
Your survey invitations will be easy to find in your inbox (time is of the essence).
You can set up alerts when new emails come in (to help you start your surveys ASAP).
There’s an Audience “Type” Needed
The survey hosts have a certain type of participant in mind. Feedback is usually needed from a very specific number of people, with certain demographics, and in a narrow time frame. This means that a survey quota may need to be filled within a few days’ time. Starting your survey as soon as possible raises your chances of being able to complete it before this window closes.
Surveys can sometimes test participants to make sure that they’re the “real deal”. We call this type of question a “red herring” because they are meant to flag people who are answering any which way instead of honestly.
Mindlessly answering question just to get through it and get paid doesn’t work. Our system is designed to catch this type of participant…and disqualify them during the survey. In other words, the person gets kicked out of the survey!
Join PointClub Today
PointClub is everyone’s favorite place to take free online paid surveys. Members get paid for online surveys in points that can be cashed in for real dollars or for gift cards. You can get a $5 signup bonus right now — and 2000 free points for providing all of the personal data we need to get your profile set up.
Getting paid to take online surveys is a fun way to make a few extra bucks. For those who have the time and desire, doing surveys every day can reap real rewards. Read on to learn more about how to find the best survey sites.
Ways to Contact Them
The first thing to look for is whether the survey site has an easy way to get a hold of them. If you have questions about a reward you never received or some technical issue on their site, you’ll need to be able to email, chat, or call them right away.
A survey site that does not publish their phone number, have a “contact us” email form, or chat window is a company to stay away from. This is a warning sign that their website is just a front for an illegitimate operation. If you don’t see a way to get in touch with the company, click out of there as fast as you can.
Asking for Money Upfront
This next warning sign is something that may not be obvious to the newbie survey taker. You should know that trusted online paid survey sites will never ask you to pay them to participate.
Businesses and major corporations hire companies to conduct surveys aimed at their desired target audience. In 99.9% of all cases, survey sponsors stipulate that anyone completing their surveys must be a volunteer. This means that survey sites are not allowed to charge you for the ability to take those surveys.
The essence of surveys is that they are filled out of your own free will. For you to pay to participate goes against the very nature of their purpose.
Providing your credit card number to a site you are unfamiliar with is dangerous and can be costly. Just because you paid them $25 to take surveys doesn’t mean they won’t:
Disappear tomorrow without a trace
Charge your card for much more than the agreed fee
Sell your card information on the black market
Consistent Survey Opportunities
Some paid online survey sites have so few opportunities that it’s not worth waiting around in between surveys. The way to get around this is to sign up with multiple legit sites to help increase your chances of getting selected for new opportunities on a regular basis.
Focus groups and panels will often have fewer opportunities overall, but when they do, they pay quite well for just a few hours of your time. Survey takers should fully complete their user profiles because you’ll have a better chance of getting selected more consistently for surveys that are relevant to you.
Your user profile should answer all demographic questions about your lifestyle, interests, preferences, and the products you use. Don’t be put off by the number of details the survey sites want; this is how you get selected to participate!
Failing Out of Surveys
Another aspect to consider is what will happen if you are unable to complete the survey in its entirety. It could be an issue of you losing interest, not having the time to finish it, or technical issues with your internet connectivity.
When you look at the site’s terms and conditions, be sure to look for what happens if you can’t finish. Do you lose your answers and have to start over again? Do you get disqualified for that survey? Do you not get paid, even though you may have completed almost all of it?
At Point Club, we are the only survey site that rewards points to our survey takers, even if they are unable to complete their survey for some reason. We understand that it’s not always possible to complete a survey, so we don’t believe in penalizing you for issues out of your control.
Join the ranks of thousands of other Point Club members by signing up for a free account today!
Free online paid surveys can be a lucrative way to make a few extra bucks from the comfort of home. In fact, this method of making money has become increasingly popular in recent years as millions of new survey takers have discovered how much they love it.
If you want to get paid to take surveys online, there are some things you should know before signing up.
Dedicated Email Address
Legitimate paid online surveys will require you to provide a valid email address and then verify your address directly from your inbox. It is highly recommended to have one dedicated email address for all of your survey activities.
Some survey companies will sell your email address to third party sites (unless you opt out), which can increase the amount of spam you get. Be sure to opt out of third party sharing of your email address to avoid this.
Keeping your survey related emails separate makes it easier to keep track of each opportunity.
You can organize your emails into categories using specific folders:
If you allow your child to participate in paid online surveys for kids, you can add folders for them so that you can monitor your child’s emails and online activity.
Complete Your Account Profile
Set aside some time on each survey site to fill out your personal profile from start to finish. If you’d like to be considered for surveys that are interesting and relevant to you, your personal profile must be accurate and complete. This will increase chances that you’ll enjoy your surveys and finish them.
Some of the information you’ll provide includes your annual income, the kind of car you drive, your age, marital status, and personal interests. By honestly and fully completing your profile, you’ll be more likely to be selected by the best paid online survey sites that require a very specific audience. The more precise they need the audience to be, the more you’ll get paid to take that survey!
Other Things to Consider
Most of the time, survey sites require that a questionnaire be filled out completely in order for payment (in points or money) to be issued. Only one survey site that we know of, PointClub.com, awards points to its members for surveys that go unfinished for whatever reason.
Reasons Why You Might Not Get Paid:
Sometimes an internet connection drops for no reason.
Other times, the survey may not be fully relevant to you (again, fill out your personal profile to avoid this).
And lastly, some people fail out of their survey because they have to walk away and it times out.
Join thousands of others who have made Point Club their go-to site for making money through online surveys. We are the only site that awards members with points for their surveys, even if they can’t finish it for some reason.
I’ve been sitting here wondering just what can I do for all my beloved and devoted PointClubbers. I mean you folks are just awesome. You’re demolishing the daily sweeps on Facebook. Those lightning fast fingers are keeping me on my toes with the Trivia Tuesday on Twitter. What’s a guy to do?
Well, here’s my reward for your dedication and it’s something to keep you on your toes for once! It’s called the Daily Streak. I know, I know. You want to know how it works. All you have to do is check in to your dashboard every day at www.pointclub.com. Each day as you check in, your streak will grow. As your streak builds you will level up. Each level you gain will earn you bonuses and extra CASH. These bonuses will increase your earning power on the points you collect for successfully completing surveys. For example, when you reach Level 1 you’ll be rewarded with a 10% bonus. So a survey worth 100 points is now worth 10% more. If you suck at math like I do, that just means the survey is now worth 110 points. And that’s just the beginning; as you level up, the rewards will become increasingly bigger. How great is this? Can you stand it!? Imagine earning DOUBLE the points!
The trick is to not miss a day. If you miss a day, watch out, LANDSLIDE! You’ll revert back to the next lowest level. Whomp, whomp! So just pick yourself up, dust off the disappointment and get right back on that streak like Sisyphus and his hill. You’ve got this, buckaroo!
So let’s get to it. Come on, this is the kind of streaking you won’t get arrested for! I ’ll be expecting to see you. Every day. That’s right. Every. Single. Day. I’m am so ready to start handing out some gigantic bonuses! Show me your best streak!
Constant Vigilance. There are villains lurking around every corner just waiting to catch you off guard. In your quest to expand your online survey options, I must caution you to be on the lookout for scams. Remember this: PC FIT = Privacy. Contact. Fee. Income. Testimonials.
Contact methods — Scour that website. Is there a phone number? An email? If the website has no way for you to contact anyone with questions or concerns, be wary. Batman might not have a Facebook but at least he has the bat signal as his contact method.
Fee required — Any panel that needs a fee to join, for you to purchase a membership kit, or pay for mandatory training should make the hairs on the back of your neck stand up. Yes, online panels will ask you all sorts of questions for your profile, but they should not be asking for your credit card information.
Income claims — Is the site boasting that you will be able to make $30,000 a year? These excessively specific statements about income are just blowing smoke. Can you earn money from taking online surveys? Absolutely. Can you live off of that money alone? Probably not.
Testimonials — “I got my first check in just three days.” “I made $300 in just one day.” Sound outrageous? That’s because it is. These are just not realistic outcomes. Gross exaggerations in the testimonials are just another red flag.
It’s so cliché but it bears repeating. If it sounds too good to be true, then it probably is. Don’t let your desire to do more surveys and make more money be your kryptonite and let you fall victim to the scammers out there. Have standards, play hard to get, and remember PC FIT.