Review Is Double Funds Scam or Legit

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Is AdultFriendFinder legit or a scam?

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I have been a member of Adult FriendFinder for a whole month, and perhaps I can bring some value to this conversation.

First, I don’t think that any scam is involved here although there might be people who use the site to scam people unrelated to the site.

And I think that these “scammers” are on all types of dating sites.

I do know someone who had a bad experience, and a few other people who had a really positive experience, myself included. But I’ll explain some ideas why perhaps some people might get fooled easier than others on such sites.

20 Cogs Review: Scam or Legit Way To Make £200+

20 Cogs Review & Can You Make Money From It?

Is 20 COGS a scam or a genuine one-off legit way to make real money from the comfort of your home. Typically it’s said you can make £100-£200+ depending on which of the highest paying tasks you are able or choose to do. Read my full 20 Cogs review to find out how I got on when I fully put it to the test.

I even have a bonus offer for you and some great alternatives for making even more money!

20Cogs has been used by tens of thousands of people. However, there is a little preparation and a few tips that you should consider beforehand to make sure that your experience goes as smoothly as possible and you make the most money without any hiccups.

If you decide you want to give it a go I have on offer an extra £5 Welcome Bonus via any 20 Cogs affiliate links on this page.

What is 20 Cogs?

The clue is in the name, it’s 20 tasks to be completed from offers that fall into the following categories:

  • C ompetitions
  • O ffers
  • G aming
  • S urveys

These are exactly the type of tasks you will be asked to undertake in order to complete each of the 20 Cogs, earning money towards your final 20 COG payout.

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How Does 20 Cogs Work?

You complete varying tasks for money each of which counts as a COG. Each individual COG offers a choice of tasks for you to complete. Once a COG is complete you are awarded payment.

By the time you have completed 20 Cogs, you should have earned approximately £100-£200+ at no cost or very little cost to yourself.

When you complete a task, the status of the COG changes to Amber, meaning it’s pending. This might take 24 hours so don’t worry if it doesn’t change straight away.

Once the advertisers have confirmed you have completed the task correctly, the Cog status will turn to Green.

Only when you have completed all 20 COGs will a CLAIM button appear. This will allow you to request payment to your bank using your BACS details or request payment to your PAYPAL account.

Free and Easy to Start

20 cogs is totally free to sign up to and get started with, you may even be able to collect a welcome bonus.

However note, some tasks require you to use a credit or debit card and make a small payment in order to earn the much larger commission payment.

Also if you do not cancel some sign-ups in time you will be charged.

You can do all 20 COGS at once and wait for them to turn green over the next 30 days or just take your time and do them as and when you get time.

Is 20 COGS a Scam or Is it Legit?

20 cogs is not a scam, in fact, it has a 4-star rating on Trustpilot.

On reading some of the reviews it was clear most people who had a slightly negative experience had jumped to an early wrong conclusion and not contacted the Helpdesk. However, as you can see 84% has an Excellent or Great experience.

One thing you must be very clear on before you start is that you have to complete all 20 COGS before you can get paid. You can’t cash out or withdraw what you appear to have earned after completing each COG.

Even when you have completed all the COGS you have to wait for them all turn green. This again can take up to 30 days.

Understand these key points and you should get along fine.

Any problems use the Help Desk, there is a link to it at the top of the page.

How Much Can You Earn?

Ultimately this will depend on which tasks you choose to complete at every COG level. In total, you should be able to earn £100-200+. I’ve seen some people say they have earned up to £300.

One thing that might hinder your earnings is if you have completed some of the tasks before. The bookmakers or online casino, bingo sites are some of the highest paying offers, but you may have signed up to these previously if you have done any Matched Betting which is an excellent way of earning lots more cash and is NOT GAMBLING).

The payout figures you see are not representative of the final profit you’ll make. In order to achieve an expected payout of £170, I needed to spend approximately £54.

Therefore I would only consider undertaking 20 COGS if you think it’s worth doing for a final profit of around £100+.

How Long To Withdraw / Cashout Payment?

Don’t expect a quick payment from 20 cogs. It is a relatively slow process moving through 20 Cogs and some individual tasks can take 30+ days to be verified.

Don’t give up. Once you have started, keep going. If you are not sure what to do with a particular COG, take a break and see if the offers change to something more suitable to complete.

Preparation Before Starting – Tips for 20 Cogs

Although 20 COGS is a legit way to make money, there are a few pitfalls worth avoiding.

Remember the companies paying a commission to 20 COGS are trying to make money. So they will want to market themselves or get you to subscribe to full paying services.

However, knowing this in advance you can avoid these problems as I outline below.

Set Up A New Email Address

Never use your main email address for money-making sites etc. I would suggest setting up a new email just for 20 COGS and its related tasks. It takes literally takes a couple of minutes to set a new Gmail account. This will mean you avoid wasting time on any spam in your main email accounts.

Avoid Using Your Mobile Phone Number

You will receive spam phone calls from some of the offers, so seriously consider not using your main phone number.

You could use a PAYG SIM or another option is to use a fake phone number.If you just try and make up your own random phone number, there is a chance a real person will, unfortunately, be receiving a load of spammy calls thanks to you.

The solution is to use which for free has mobile phone numbers you can use that are not in use.

Keep Records Or Set Phone Notifications

Some of the offers will involve you signing up for a free trial or possibly very low costs subscription services.

You will, therefore, need to keep a record of when to cancel these services by. This could be over any number of timeframes, for example, 2 days, 7 days or even 30. If you don’t cancel, you will be charged.

Read Instructions Carefully

Make sure you read and follow the instructions for each task carefully, so you do everything correctly and satisfactorily enough to qualify for the payment.

Double-check the small print if giving bank details. Some offers require you to be a member for a set number of days but will actually charge you earlier within that timeframe.

Take Screenshots As Proof

Take screenshots and just save them in a designated 20 Cogs folder on your laptop or tablet etc. This is just-in-case there are any queries down the line where an advertiser might question whether an offer was completed correctly. You will then be able to easily prove it was.

Where possible include your name and date in the screenshot so 20 Cogs can match up with the click data.

Bank Account Choice

You will need a bank account to sign up for some free trials and paid subscriptions. If you have more than 1 bank account, I would consider using the one that has the least transactions.

Fortunately, I used a bank account that I only use for savings so it had very few monthly transactions. This made it a lot easier for me to see transactions leaving the account that related to 20 COGS as well as any Direct Debits being set up on the account.

20 Cogs Freebies or Very Low Price Trials

Not only are you getting paid to use 20 Cogs, but some of the offers involve giving you items or services for free. Or a very low trial price.

Here are some examples:

  • Dog Food
  • Child’s Activity Box
  • Graze Box
  • Amazon Prime Membership
  • Now TV Membership (owned by Sky TV (reduce your bill up to 75%) and actually a cheaper alternative you might want to consider long-term.)
  • Tastecard for 3 months for just £1

Plus various other options depending on which COG tasks you choose to complete.

How to Earn Even More From 20 Cogs

Once you have completed your 20 cogs and know exactly how it works and that it’s not a scam you have the option to make more money.

You have to wait until you have completed 20 COGS before you can withdraw your first payout. However, once you have completed all 20, you can carry on doing COGS and get paid out whenever you like.

Take some screenshots of your payouts as proof and recommend to your friends and family along with a referral code.

You can also currently earn 5% of referrals payments and 20% when they complete all 20 Cogs. Plus, because you’ve completed the process yourself, you will be able to assist and motivate them along the way.

20 COGS Tips Checklist

Here’s a bullet point checklist of the points I’ve made above to help your 20 COGs experience go as smoothly as possible.

  • Set Up New Email
  • Use Fake phone number
  • Keep Record of any sign ups and dates you need to cancel
  • Read small print for dates for any offers you submit bank card details for
  • Must complete all COGS to claim payment
  • Be patient – Can take 30+ days for some tasks to be verified
  • Take Screenshots as you go to prove tasks completed
  • Contact support if any issues

My 20 COGS Review Progress

At the time of writing, have completed 10 COGS. 3 are still marked grey after 3-4 days. I simply click the Help Desk link.

I read the “Frequently Asked Questions” and chose the one that asks “I’ve completed an offer, why is the Cog still grey”. From there I can submit a support ticket and I can the form already knows which offers are still grey and I can submit information on.

I do have a reservation about the timing when to cancel a direct debit or bank payment, in time to still qualify for the offer but also not get charged.

I will keep you updated on how it goes from here.

26th February 2020 Update

I started working through 20 COGs on 1st February. As you can see in the image on the right, I have completed all COGS and some are beginning to turn Green.

I’m on course for a £170.69 payout. However, many of the offers involve spending money to make money.

I’ve also let an extra charge slip through, so I will calculate the total profit after receiving my payout. It should easily be over £100.

I had to contact the Help Desk a couple of times to get some of the COGS to turn from Grey to Amber. This included sending a screenshot I had already taken. Again this is really easy to do and you just attach the image as part of sending a message via the support tickets.

My Matched Betting experience helped in wagering one of the casino offers and I chose a high RTP slot game. I deposited £10 & received a £20 bonus all of which needed wagering. However, I came out with a £240.49 profit (see my February Extra Cash Report). I won’t be including this in my final 20 COGS profit as it’s primarily luck that I earned it, so instead, I count it as Matched Betting earnings.

COG 17, I couldn’t complete it because I had already completed the offers available at other times as part of my Matched Betting.

However, this was an easy fix as they told me to choose any other offer from one of the 20 COGS, complete it, and just let them know.

20 COGS say at wait at least 30 days for the COGS to turn Green before contacting them, so I’m just playing the waiting game now.

In the meantime I’m keeping an eye on my bank account and my spreadsheet to check for days I should cancel free and paid trials.

6th March 2020 Update

At this point, many of the offers have been completed for the full 30 days.

Most of the COGS have started to turn from Amber to Green. I haven’t had to chase any of these up.

I’ve been logging into my bank often to check no extra charges are being taken and no new DD’s are appearing on my account.

Fortunately, I chose a current bank account that I just used for savings. So any transactions clearly stood out.

I have been checking my spreadsheet on a regular basis, to double-check for dates I should be cancelling free trials, etc.

For a few of the site offers I have had to log back in and cancel subscriptions.

COGS 11, 13 and 19 I completed between the 5th and 7th February, so I will give another 7-10 days to see if they turn green.

I’ll be sure to share a screenshot when I’m given the option to cash out.

At the same time, I will calculate my overall profit. The payout minus any charges to complete the offers. I’ll then give my final verdict.

20 Cogs Complete With Proof of Payout

20th March Update:

7 weeks after starting, all 20 COGS have turned green. As you can see in the image on was now given the option to “Collect Earnings”. This appears just above your 20 green Cogs.

Upon clicking to claim my earnings direct to my bank accounts I was presented with this confirmation message:

Within 3 days the money was in my bank account.

20 Cogs Final Profit

The 20 COGS total payout is only part of the picture. This is because it costs money to complete some of the COGS. You earn more than you pay so this is worthwhile. However, these costs do add up.

Also, I found some offers extremely tight as regards following instructions to qualify for the cashback and not incurring extra charges.

In total including an extra charge, it cost me £41 to complete all COGS.

It took 7 weeks to complete all 20 COGS and actual working effort of approximately 10 hours, which includes all the record-keeping and cancelling trials.

The final profit is £129.60.

20 Cogs Extra Update – Hit £200+ Profit

May 2020 Update

As you can see in the highlighted area of the image on the right I have now achieved over £200+ profit from 20 Cogs.

These extra earnings are from a few referrals I have made which again goes to show the process has been completed by others.

You yourself can also refer friends, just be clear like I have been in this 20 Cogs review about what’s involved as it isn’t for everyone.

Extra earnings can be collected as previous earnings, straight to your bank account or to a Paypal account.

Sites Like 20 Cogs

There is no other site specifically like 20 cogs. Once you have completed 20 Cogs you will have an understanding of how and why it works.

It does feature on my list of more easy ways to make money if you are looking to make an extra £500+ a month that pretty much most people can have a go at.

Advice: If you have already started 20 COGs, it’s best to complete it before trying other alternatives, otherwise you risk doing offers that are on future COGS and will reduce your options for completing it.


OhMyDosh is a site that is actively set up to help you earn cashback and rewards from completing very similar tasks to those on 20 Cogs.

The advantage of OhMyDosh is that you can choose which tasks to complete or avoid. You also earn money per task and don’t have to complete a set number.

The site is very well set up and has instructions for completing each offer.

Find out about Lightning Payout and No Spend offers in my full OhMyDosh review and claim the £1 sign up bonus to get you started.

Other Cashback Sites

Another perfectly valid option is to look for your own sign-up offers and free trials on the other best cashback sites.

The best 2 cashback sites:

Definitely always worth checking both. See how I’ve made over £1000+ combined in my TopCashback Review and Quidco review.

In fact, you might find many more lucrative opportunities. I’ve made often made between £26-£36, even £69 on occasion on for bookmaker signups as part of my Matched Betting.

Both the cashback sites have free money and no spend options too.

Matched Betting

If you didn’t mind signing up online bookmakers and casinos, you may well be interested in earning a lot more money this way.

Check out my Ultimtate Matched Betting Guide (with profit boosting tips) (note Matched Betting is NOT GAMBLING it’s primarily taking advantage of bookie sports free bet offers as well as many other related promotions. Many of which are available daily to existing customers.

I’ve made well over £30,000+ over 3 years from this tax-free side hustle.

You can learn everything you need to get started with a Profit Accumulator free trial (nothing to cancel) and you should make £30-£40 profit.

A number of the sign-ups can also be combined with cashback offers with the sites I listed above.


As you can see 20 COGS is a legitimate way to earn a decent amount of money relatively easily from home.

Do note, the payouts don’t represent the final profit because depending on the cogs you choose you to incur some costs. However, you should make at least £100+.

The process does need constant monitoring, and a certain amount of record-keeping, so it won’t be for everyone.

However, there are things you can do to make sure you earn this money as smoothly as possible. So be sure to check my tips checklist and scan the page for more in-depth reasoning and information on those tips.

If you have tried 20 Cogs yourself please let me know your experience.

Any questions please ask in the comments below.

Dosh Review: Is It legit Or A Scam?

Dosh is a cash back app that gives you money back at select stores and retailers every time you shop with your linked debit or credit card (Visa, MasterCard, or American Express). Founded in 2020 by Ryan Wuerch and Ed Mock, the app has paid out over $25 million to 3 million users. In this review I will go over everything you need to know about the Dosh app and how you can make $5 for simply downloading it on your phone. I wrote this to help educate the market about this up and coming app and to help people earn money and more importantly save money!

How To Use Dosh

Dosh is super user friendly and very easy to install. Just visit the app store on your iPhone or Android and download the app. If you use my link here you’ll get a $5 bonus just for linking your card to the platform. Before you say, hey that sounds like a scam, I looked into Dosh and they are super secure and they don’t even sell your information to third party users like so many other apps and social media sites do. I will dive into more detail on just how secure the platform is a little bit later.

The Dosh app has been only around for a short period of time but they are moving faster than any of the other cashback apps out there such as Ebates, Ibotta, or Swagbucks. Where most of these platforms make you jump through hoops to get your cash back, the Dosh app has a “set it and forget it” feel to it. Meaning once your card or cards are linked to the app every time you make a purchase at one of the supported stores your account will be credited. You won’t ever have to use a promo code, coupons, scan your receipt, or log into the app prior to your purchase.

Each time you use your linked credit card at a qualified merchant, Dosh will automatically calculate how much you should get back and add it to your “Dosh wallet”. Once your Dosh wallet reaches $25 or more you can transfer your money via direct deposit or by PayPal. There are many great places to eat, gas stations, retail stores, and popular online stores on the app so reaching the $25 threshold is very achievable if you like to shop. Even if you aren’t a frequent shopper than are many merchants that offer a substantial amount of cash back, some over 20% back.

The Dosh app is currently only available to use in the United States, but with their continuing growth I think it will expanded further in the near future. The user must be 18 years old or older.

Is The Dosh App Safe?

The Dosh app is extremely safe, and they take multiple steps to ensure your safety is their top priority. Dosh’s first safety feature is SSL Encryption, which means that all data passed between their web server and browsers remain private and protected. The next layer of security is the Data Safeguard, which ensures that none of your banking or credit card information is stored on their app. In fact all credit card information is tokenized and vaulted using a PayPal service called Braintree. Another safety feature and security protection is that Dosh does not sell any of your personal information to third parties. They make their money by the fees they charge merchants to be on their app, not your information. The last security metric Dosh uses to ensure your safety is a multi-factor/ two factor authentication to make sure unauthorized access is not granted. I am quite confident that Dosh is safe based off the security steps they have taken mentioned above.

Dosh BBB Rating

For my benefit and yours I did some further investigation just to see if Dosh was safe. I went to the Better Business Bureau website and looked up “Dosh Holding, Inc”, their official name and saw they had an A- rating since 11/1/2020 their launch date. If you didn’t know, “scams” do not have this high of a rating.

Dosh Referral

Now I’ve mentioned quite a few times on how you can earn money via cash back at stores, you can also make money by referring people to Dosh. When you sign up, you’re automatically enrolled to their affiliate program where you will get your own unique referral link. You can share the link with your friends, family, and or on your social media pages so others can reap the benefits as well. The best part is for each Dosh referral that links their credit card to the app, you’ll get a $5 bonus.

Your unique referral link will promote the user to the Dosh app download page where they can install and link their card in a matter of 5 minutes. Once the app is installed they will have to fill out their basic information such as name, birth date, email, cell phone number, and then link their card. Once they complete these easy steps you will get your Dosh referral bonus of $5, sometimes it’s as high as $10 depending on the promotion they are running at the time. The referral program has no limits, so you can refer as many people as you can think of, but it isn’t required to make money.

Dosh Cash Out

As previously mentioned once you hit $25 in your Dosh wallet you can transfer the money to PayPal or your bank account no questions asked. As long as people keep shopping and using the app, Dosh will continue rewarding you for shopping as you normally do. They make money by the fees they charge each business on the app, so the money you earn in your account is for you to keep. The $5 you make per referral is a pretty cheap price to pay for getting a potential lifetime user to the platform.

Dosh Wallet

The Dosh wallet can be found at the top right of the app. This is where you will see your current balance and once you link your credit card you’ll see your $5 bonus almost instantly. As you start shopping at verified Dosh stores your “wallet” will continue to grow due to the cash back and any referrals you may have. Once you click on the Dosh wallet you can see your current balance, your recent activity and this is also were you can request a transfer to your bank account ($25 minimum). You can also donate your earnings to charity via the Dosh wallet if you prefer.

Dosh Stores

Dosh has a great mix of popular online stores as well as in-store offers to collect cash back from. Some of the most popular include Walmart (6%), Nike (4.5%), Macy’s online (2.25%), Target online (1.25%), restaurants (bars, pizzerias, IHOP 1%-5% cash back), convenience stores (CVS 1%), and even gas stations (Exxon mobile 1%). With thousands of stores on the app, if you’re a frequent shopper, you’ll earn money back fast! The best part is that some credit cards like American Express offer 1% cash back on every purchase already so you’ll be making double cash back. It’s like finding free money again and again.

Dosh Scam

Based on my research I do not believe Dosh is a scam. At the simplest form they are a cash back app, backed by investors, which give a small referral payment for people bringing in new business. Most of the world’s biggest businesses have some sort of refer a friend affiliate program. Two examples are Amazon and Walmart. Another thing to note is that Dosh just raised an additional $44 million in a series A funding from PayPal and Goodwater capital, that’s some series money raised in a short period of time. This tells me big investors have faith in the app, and with that money they raised they can pay people a referral commission to growth their user base. The only thing I’ve seen that might make you think the platform is a scam, is the way some people go about promoting the business. They will take their referral link and just make it their Facebook or twitter status without providing any information or value.

Is Dosh A Pyramid Scam

No. However, calling companies that offer a referral program a pyramid scam seems to be the latest trend these days. Dosh is not one of those scams and in fact you never have to refer a single person to make money with the app. The referral program is just an added bonus, if you are using the app and are getting cash back consistently you have the opportunity to tell others and make a little money doing it as well. That is just smart marketing in my opinion.

Dosh App Customer Service

The Dosh team has a great customer service staff. Again I looked at some of the complaints on their official BBB website and saw people making comments. If you didn’t receive the cash back you deserved or are having a hard time removing the app (not sure why you would do that), you can create a ticket with their team and they will respond in a first come first serve basis. In most cases they will be able to pull up your account and credit your account with the right amount of funds. With so many users it might take a few days to hear back, but be patient. Another common complaint I see is that people aren’t receiving their referral bonus. If you are having this problem, make sure you verify with your friend and see if they downloaded using your referral code and if they linked a credit card to the account. This seems to be the most common problem, people forgetting to link their card. If you experience a problem with your Dosh account just make sure to reach out to their customer service department and respond to any follow up emails they send back.

Dosh Sign Up Bonus

Just to restate you will receive a $5 Dosh sign up bonus once you download the app and link a credit card to the account. At the time of writing this you can only link a bank issued Visa, MasterCard, or American express card. Prepaid cards and Discover cards unfortunately are not available at this time.

Dosh vs Ebates

Ebates and Dosh are very similar apps as they both give you cash back by linking a credit card to the platform. The most notable store on Dosh is Walmart, and the most notable store on Ebates is Amazon. Dosh gives you 6% cashback at Walmart up to $10 per trip and Ebates gives you 5% cashback on Amazon (for the time being). Although both apps are similar they are also both different because of the offers and stores available. Dosh has the more relaxed set it and forget mentality, which means when you shop with your linked credit card you will automatically get the rewards. While Ebates is the large app for now but if you make an online purchase you have to sign into the account and click the respected store on their platform first. That way they can track your order. If you want to buy something in-store using Ebates you would have to sign into the app and link your card to that merchant. Now, it is easy but it’s just another step that you have to take in order to get your cash back, which might be a hassle to remember sometimes.

Ebates was created in 1998, and is the larger cash back platform of the two. In fact Ebates has over 10 million users and has paid out over $800 million dollars since inception. Ebates even offers $10 for signing up and linking a card and you’ll make $25 per referral. Although this is a higher amount, to receive it the person you referred has to make a $25 or more purchase at one of the retailers listed on the platform. But if you are a frequent shopper and you don’t mind the extra step by signing into your Ebates account prior to making an online purchase, then this app might be for you. In fact download both of them and you can earn even more cash back and get free money! That’s right, download Dosh and earn $5 once you link your card and download Ebates and get $10 once you link your card and make a qualifying purchase!

If you are interested in downloading Ebates as well as Dosh, I recommend you also install the Ebates Google Chrome extension. This extension is free to download and when you shop online from your computer the extension will let you know if they have an Ebates offer. If they do at the top right of the page there will be a red “Activate x% Cash Back”. The percent will change depending on the store so the “x” represents whatever amount that would be, just to clarify.


I hope you found my Dosh review informational and educational. This is a great app to use daily to save money while you shop and to even make a few extra dollars by sharing it with friends and family. If you are just learning about the app or have been using Dosh for a while let us know how you feel about it down below. If you have any further questions, comments, or concerns be sure to leave a comment below and we’ll be sure to address your issues to the best of our ability. Just as a reminder, below are the links you can use to download both Dosh and Ebates and earn your free money.

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