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[Discover] Heal Worldwide Review: Scam, Legit, or Just Confusion?
Welcome to a real and honest Discover Heal review from someone who was just as confused as you were.
Forget about wondering if this is a scam or a legit business with products, I couldn’t even tell what I was even watching.
All I got was a video on some dude traveling without any mention on what I was going to be buying.
What’s even worse is that the person who introduced this to me knew nothing about it either.
“Save your time stamp”
“Get in before everyone else does”
That’s about all I got and it only reminded me of the many recruiting Ponzi schemes I joined back in the day.
Thinking that getting in early was the only way to make a network marketing business work, that’s exactly what I did.
Now when I see something like Heal’s marketing nonsense, I think I’ve become a little smarter.
I don’t just join and I don’t just put in my credit card information.
I did watch video after video and I still could not get the information I was looking for.
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That of course was a red flag and I almost knew where everything was headed.
However, I had to figure out exactly what was going on, so of course I did more research.
That research almost led me nowhere and I eventually gave up.
Some (if not all) of you have probably gone through the same thing and you’re probably just as confused.
Well I did go through some of the emails they sent out.
Low and behold, I ended up in the back office of my account.
From there, I did get to see what was really going on and that is what I want to share.
So pay attention as this will not take much of your time.
Table of Contents
Discover Heal Review – Product Overview
Name: Heal Worldwide
Price: $49 +
Overall Rating: 1.5/5 stars
Want to live life on your terms?
Well that’s about all you get when you come across Discoverheal.com and that is it.
This has got to be the most irritating program of 2020.
They don’t tell you what you are getting, yet they want to ask for money.
This is nothing but a recruiting based scheme without any solid products to show for.
Mind you, their marketing nonsense will have you spending $3,000 on ways to promote them once they figure out how to charge you so much for air.
Far from anything I would recommend, so please join at your own risk.
What is Discover Heal?
Heal is a marketing platform that was founded by Steven Munson and his family.
They of course don’t say a single thing about what they offer.
This is definitely not a good thing when it comes to anything claiming to show you how to make money.
At this point, it is safe to say that there are no tangible products that you get with other MLMs like Melaleuca.
All you get is the typical stuff that require you to recruit others, like marketing, marketing, and more marketing.
The problem with these types of sites is that they work in a way that you won’t see coming.
So pay attention to what I’m going to cover next as this is how they will get you.
How it Works
Most, if not all of you have allowed this system to work against you and you didn’t even know it.
You were too focused on Stephen and the hype he claimed not to be about that everything just flew right by you.
I know you’re beyond confused, so let me try to give everything to you fast, yet simple and easy to understand.
So the first thing you came across is Stephen and the one thing he claims not to like.
Well, that is exactly what he is all about and it’s quite irritating.
All you get on Discoverheal.com is a bunch of comments about how the payment system is working and everything about nonsense.
You will not find anyone talking about the products and that’s because they never used them yet.
From the minute you watched that first video, all the way to you getting a website asking you to pay, everything was working against you.
They got you curious, forced you to join (time stamp BS), and then ask you to pay some money.
And not just money but a lot of it.
So they get you in thanks to hype and now what?
You either pay to let your curiosity get the best of you or you abandon everything like you never came across Heal in the first place.
That my friend is what they wanted to happen and it’s really sad because there are a lot of you who have paid without knowing what you were getting.
Like I mentioned earlier, there are no tangible products.
At least within the first couple of hundred dollars you spend.
That’s because they want to lock you in, have you promote their system (using the time stamp nonsense), and have everyone else do the same.
Now when you get to the point where it’s time to pay some money, you are presented with a bunch of stuff that you probably aren’t familiar with.
VIP Suitcase coach?
21 day challenge?
I have been making my living online, buying products, and most especially keeping on top of the MLM world.
Within that 5+ years, I have never came across something like this and I don’t mean that in a good way.
How do you not tell anyone what they are getting involved with and then ask them to pay you money?
That’s pretty stupid if you ask me, especially with what they are charging.
I’m sure you’ve seen some of the prices to their so called products above but I wanted to elaborate on them a little more.
What these guys have done is all too familiar with me and I would gladly tell you what they are doing.
The first product is their VIP Suitcase coach, which is going to cost you $49.
All this is going to do is get someone to talk to you and tell you how much you need the next product.
That product is Big Profile Profits and will cost you $199.
This of course will tell you why you will need the next product, which is the “I AM 21 Day Challenge”.
This costs $399 and is nothing more than a way to pay the person who brought you in.
All while allowing you to sell everything and make more money.
After that, you will see more of their high ticket products that will be coming soon.
If you were to buy all the products that are available, that would mean you just spent $647.
You went from not knowing what you are getting, to spending that much money on you don’t know what.
All this happened simply because of the marketing strategies that come with these types of sites.
They make you feel that you are going to lose out on commissions if you don’t purchase a product.
That’s exactly what they want to happen and for some, that’s exactly what you did.
The Heal Comp Plan
I really don’t want to waste any time with this part as this is all they are about.
Get so and so to join and this is how much you can make.
What I did notice is the 4th way to earn with Heal.
Of course none of that was ever mentioned but I think I have an idea of what will be happening here soon.
Once the launch and all the time stamping BS is over and done with, you will then get funneled through to another MLM company.
That’s what I got from trying to watch one of the ten million videos that Stephen recorded in his little journey through life.
What I Liked
It’s very rare that I come across a program that has nothing I like and this is that one rare occasion.
Maybe their website?
Then again, that leads into everything I dislike about this whole thing, so I can’t say I like that.
So with that being said, let’s go over the stuff that makes this something I will never get involved with.
What I Didn’t Like
I don’t like everything about Discover Heal.
I don’t like how they hide everything from you most especially because that is clearly an obvious marketing strategy.
Not to say that I have something against marketing but at the very least, you need to show your customers what they are getting.
If you see a screenshot of the conversation I had with my up-line, you will see how he can’t even explain what he tried to get me to join.
Now the lack of information and all that time stamp nonsense is obviously irritating to everyone and not just me.
However, there is more to things that most of you aren’t even aware of.
So if you don’t know what makes Heal a legit operation, let me show you what you might have missed.
Programs like Discover Heal are all designed to work against you.
From the first website you landed on, all the way to even after you’ve already paid you will be hit with nothing but marketing.
The kind of marketing that all high ticket programs use.
Get you hyped up, excited, sad, mad, or any kind of feeling that has you getting emotional.
You feel that everything relates to you and you then go to the next step.
That then leads to more hype, sadness, and more BS marketing.
At some point of all this marketing, you will eventually land on what they have to offer.
This offer is again, nothing more than shady marketing.
“Pay now or you will let someone pass you by”.
“You’re not eligible to earn commissions”.
When you see things like that, you feel pressured into paying for something and that’s what most people do.
I know I did, when I first encountered a site that used the same exact style of marketing.
Please do not fall for this as you will most likely never get back what you spent, regardless of what team you join.
And if you don’t believe me, you can always checkout their statistics as I’m sure only 1% of its members will be making most of the money.
The rest will be doing nothing but paying those in that group.
If you take a look at this screenshot above, you will think one of two things.
You might think that “oh wow, I want to feel what these people are feeling” or you might think the way I do.
Where in any of these so called testimonials is there any mention of how money is made or what is even being sold.
I mean come on, stories about how much they are crying?
Call me insensitive but all this crap is designed to make you feel and I’m tired of seeing thousands of people fall for it.
Poor Business Model/Products
In any business, there needs to be an exchange before you can call it one.
Before you get money, there needs to be a product or service that you will get.
Can you tell me what you are getting for that $49 they are asking for?
Who in the world said I even needed a coach?
I was told this is the opportunity of a lifetime and now is the time to claim my spot.
Now you’re telling me to pay for some coaching on I don’t know what?
Screw the marketing that comes with these schemes and please don’t fill their pockets with more money that they don’t deserve.
This is a pay to play scheme that has you buying something just so you can resell it in order to make you money.
Again, what exactly is it that they are selling?
Final Verdict: Do Not Join
I don’t care how desperate you get, please do not let the hype get to you.
Please do not let the sob stories of everyone and their mothers get to you as that is about all it is.
Those same people crying will be back to work the following day talking about how much they can’t stand that one co-worker.
They won’t be rich from Heal and they will be back to that same whiney individual that could not care less about whether you succeeded or not.
But please feel some emotion from my testimonial and join me so that I can make money.
You joining the cry baby is exactly how they will make their money.
Now if that’s cool with you, by all means, join all you want.
I have been apart of 2 companies like this in the past and I’m not regretting anything.
I’ve also spent thousands of dollars to join them but I still won’t regret it.
Without the knowledge gained from that experience, I will not be able to share these thoughts with you.
You also have to think that I can tell you that this is legit, just so I can get you to signup under me.
But no, I’m not going to do something like that because that’s not how I roll.
Now if you are looking for a real way to make money online, just know that it is going to come with some real work and not a recruiting game like Heal has.
For me, I learned everything from a site called Wealthy Affiliate.
Not only did I learn how to make money online but I was able to get back everything I’ve lost from sites like Heal.
There are hundreds of sites that are ran exactly like Discover Heal, so please don’t let your emotions get the best of you.
Besides all that, I hope this Discover Heal review has helped you in one way or another.
Of course its members will try to put their two cents in but we all know what this is about.
Make smarter decisions and trust me, the money will follow.
I hope you enjoyed that post. I’m John and I am the owner of this site. I like to think I’m a normal dude just like everyone else but that wouldn’t make me unique. I do have 4 kids and I have gone through the hardest of times, most especially financially. With some learning and growing, I have managed to get back on my feet and live the laptop lifestyle most people only dream of. With that knowledge, I hope to align you with a real and legit way to make money online.
I admire your willingness to be brutally honest and not sugarcoat your views at all.
I thinks some of your criticisms are worth serious consideration.
I’m not a fan of just encouraging people to join because they might miss out on something… and also based on how much money they will make.
Totally agree that in order for a business to be a business, there MUST be real products/services changing hands and this is definitely one of the areas that tends to give network marketing / home business a bad reputation.. too many people promoting the “possibilities of living your dream life” and too little promotion of the actual value the product or service can provide.
Thanks for sharing your experiences and insight and for not giving up when you had some road blocks on your journey.
Thanks for the kind words Paul. It’s usually the members of these programs that leave comments telling me the opposite (lol). It’s always great to see someone other than myself that can see the bigger picture. Cheers!
I asked those YouTubers who were promoting this heal site that what was within those products….there are some capsules claimed to be herbal….that’s the physical product I like….but overall the ingredients of those cap are funny….wtf is going on….I need something hardcore product to promote…..I was thinking thinking…again….then I concluded that I don’t want to earn money by cheating people….it is much better to be an affiliate something great and original products that’s people want…. many people are making money …but is all-over mlm model….heal is something that selling emotions….nice acting ….he should be in Hollywood…they are recruiting all affiliate marketer ….they want to be guru of guru….so they are hiring fake gurus…..stop this nonsense….I think after mass recruitment they will reveal their valuable products….hope they do something good for people ……
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A Little About Me…
I’m John and I am the owner of this site. I went from deployed to unemployed to eventually finding a real way to make money online. Through that experience, I have hope to share the wealth. Read More…
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Is TextBroker Legit? – Does It Really Work or Is It A Scam? [Full Review]
There’s never been a better time to be a writer… or at least that’s what I’ve been told. There’s two sides to that story, but one thing is certain; websites like Textbroker make it a lot easier to get started.
A lot of these “writer” sites are scams though, so which ones can you trust? Is Textbroker legit? In this review I’ll go over that because if you love writing, it’s probably your dream to earn a living as writer. I get it. This website was born from my dream to become a paid writer and while it’s not exactly how I imagined I’d earn my income writing, I now get to help others. In this review I’ll discuss the following topics…
Please note, I am not a member or an affiliate for Text Broker. This review has been researched with information and/or testimonials that are available online in the public domain. Any recommendations and/or conclusions are strictly opinions and may not to apply to, or agree with, all persons or situations. See full disclaimer for more info
What Is Textbroker?
Textbroker is a content marketplace that connects freelance writers with clients to collaborate on projects that include product descriptions, press releases, web copy, blog posts, technical articles, white papers, social media posts and news stories.
Their client base ranges from small and large businesses to independent bloggers and publishing houses.
Personally… I recommend writing for yourself as it’s far more lucrative, but content mills like Textbroker do have their place in the work-at-home industry.
Founded in 2007 by Jan Becker-Fochler in Germany, Textbroker is now headquartered in Las Vegas and one of the most popular content marketplaces.
Is Textbroker a Scam?
No… Textbroker is not a scam, but when your business involves a work-at-home/make money online opportunity, people get suspicious.
As home-based freelancing becomes more common I think perceptions will change, but for now… any company operating in this industry will be dealing with the inevitable scam accusations and comparisons.
And for good reason…
There’s a lot of scams out there. Some content marketplaces have a reputation of doing things like cancelling accounts for no reason and finding creative ways to avoid paying their writers.
That’s not the case with Textbroker.
Having said that… the reason you may have heard (or read) that Textbroker isn’t legit is because of the low pay. It’s hard enough to make good money as a freelance writer. but with Textbroker it’s unlikely you’ll even earn minimum wage.
Does that mean they’re not legit?
The important word here is “freelancer”. You are effectively a contract worker managing a home business and Textbroker is your client. You have full discretion whether to accept or refuse a project, but because you’re not an employee, there are no minimum pay obligations.
With an estimated 100,000 writers and financial backing from Viewpoint Capital, Textbroker has a good reputation of being reliable and paying on time. They are definitely legit.
Who Is Textbroker For?
As an opportunity, Textbroker is for the aspiring freelancer. Anyone who loves to write. loves getting paid to write.
While professional freelance writers can earn from $250 – $1000 or more per post, everyone has to start somewhere right?
With Textbroker you’ll make a fraction of that but the great thing about freelancing is that you diversify to add many sources of income.
You can also make money doing things like online surveys with sites like surveyjunkie.com for example, or watching videos, searching the web, and visiting websites with swagbucks.com.
These can only provide extra spending money of course, but when you’re freelancing, every little bit counts and make the difference between quitting your day job or suffering through it even longer.
If you’re serious about creating a real work-at-home lifestyle, starting an online business may be your best option.
Making money from home might even be something you need because of health, children at home or just a desperate need to escape the rat race. There are countless opportunities out there today, Textbroker being one of them.
If an online business is what you want though, then a starting point is what you’re going to need in order to get what you want.
Now, I’m going to give you a free step by step beginner’s guide to making money online and you can get it by clicking HERE.
How Does It Work?
Becoming an author for Textbroker is a four-step process…
I’m not sure why, but Textbroker is asking for a lot here. Maybe too much. But, it’s their site… so their rules.
You will need to provide your name and email of course, but you’ll also be asked for your full address, phone number, profession, date of birth and gender. They’ll also need for proof of US residency and a selfie showing your ID using your web or laptop cam.
If you’re a non-US writer, I’ll talk more about that below and explain how you can still write for Textbroker.
2. Submit a Writing Sample
Once you’ve registered you can either write a sample on a topic of your choosing, or provide one that you already have. It needs to be a minimum of 200 words and on something you’re familiar with.
3. Rating Assignment
It may take a week or two before you hear back from them after you’ve submitted your sample, at which point Textbroker’s editors will assign you a ranking between 2 and 5 stars. Your ranking determines the projects you work on and your pay rate.
4. Setting Up Your Profile
Now that you’re “in” you can set up your author profile. This can be a lengthy process but it’s important because it’s what clients will see.
The main areas will appear as tabs.
- General Info – Add your resume here along with things like pay rate (for direct orders) and availability (how many words you can commit to per week).
- Abilities – Under this tab you’ll be asked to fill in your education, occupation, industry experience and type of writing you specialize in (eg. interviews, speeches, press releases)
- Writing Samples – the most important thing a client wants to know about you is how well you write. Here you can include up to 3 original writing samples so they can see I your writing matches what they’re looking for.
- Languages – Include any other languages you are fluent in so you can accept projects in those languages. You can also include writing samples here.
- Interests – These are topics you like to write about. Clients often search by topic for a list of writers and filling in this section will improve your visibility.
- Travel – Listing the places you’ve traveled gives clients a better overall picture of who you are, what your experience level is, and it can shortlist you for projects that require specific knowledge of a location.
Once you’ve completed this step (which may be a few weeks from the time you originally applied) you can start writing.
When you’re new, the main way to find projects is to search for them. But as you gain experience there are other ways to land jobs within Textbroker.
Choose a Project
When you’re starting out this is how you’ll get work. Clients will submit projects and request writers with a specific quality rating. These go into an open order queue where you can search by topic and author rating.
As you establish relationships with clients they may request you specifically. You can negotiate your own per-word-price for direct orders regardless of your rating.
I should also mention here that the price you set is not the price the client pays. Textbroker adds 30% which is something you’ll need to consider when coming up with a fair rate.
I’m not entirely certain how team orders work or what the criteria is to join a team. However… other members have reported that being part of a team pays better with a higher number of available projects.
When a client submits a team project they set the per-word-price.
For all the positive comments and reviews about Textbroker, this is where they fall short. It’s not likely you’ll earn enough to write for them full-time.
As mentioned earlier, your pay is determined by your rank(2 – 5 stars)… which is set by Textbroker’s editorial staff. I’ve included (below) an example of what a 500-word article would pay based on your author rank.
- 2-Star – .7 cents/word (500 words pays $3.50)
- 3-Star – 1 cent/word (500 words pays $5.00)
- 4-Star – 1.4 cents/word (500 words pays $7.00)
- 5-Star – 5 cents/word (500 words pays $25.00)
There’s a significant jump from a 4 star writer to a 5 star writer and although you may consider yourself a really good writer, your ranking can be affected by the type of projects you choose.
For example… you may knock it out of the park when it comes to first person POV articles, but struggle with third-person news releases and sales copy.
Choosing the wrong projects could mean rejections from clients which will not only hurt your rankings but could get your account closed.
I don’t know what their criteria is for 5-star writers but it’s a fair assumption that they are competent in most styles.
Everyone has to start somewhere though.
If writing for those rates doesn’t interest you, you can also make money doing online surveys on surveyjunkie.com or swagbucks.com. Swag Bucks even pays you for things like watching videos, searching the web, and visiting websites.
Like writing 500 words for $7 though, surveys don’t pay very much. They are a good first step for a lot of people learning to make money online but to make a decent income you’d have to so something more, like start an online business instead.
If making real money from home is what you want , then getting your foot in the door and learning where to start is what you need in order to get what you want.
To learn how I did it, I’m going to give you a free step by step beginner’s guide to making money online and you can grab it by clicking HERE.
Having purchased content before it’s important to remember that your per-word-rate is not the same as the clients. Textbroker collects a fee as well.
When buying an article for example, I had to keep in mind that the writer was not getting the entire $20 or $30 I was spending and adjust my expectations accordingly.
Likewise, as a writer you might think the client is only paying you a certain amount, but they are actually paying more, and I’ve seen this in many of the complaints…
“The client is only paying me xxx for this… what do they expect?”
So… building client relationships and establishing long-term projects goes a lot smoother when you’re on the same page here and understand each other.
With that said, these are the client rates…
- 2-Star – 1.3 cents/word (500 words cost is $6.50)
- 3-Star – 1.8 cent/word (500 words cost is $9.00)
- 4-Star – 2.4 cents/word (500 words cost is $12.00)
- 5-Star – 7.2 cents/word (500 words cost is $36.00)
As you can see, the amount the client is paying is significantly more than what Textbroker is paying.
For example… if you’re a 5-Star writer earning $25 for 500 words, the client is actually paying $36 and right or wrong, they expect a $36 article.
When you do the math, Textbroker’s fee ranges between 30% and 47% depending on star-ranking, which is among the highest in the industry.
Pay Method and Frequency
There’s a small minimum payout of $10 before you can request a payout which must be submitted by 11:59 pm (pacific time) on Thursdays. Your pay will be transferred via PayPal by the end of business Friday.
To request payment there’s a green button in your account that says “Account – Pay-off”.
I was originally under the impression that Textbroker was only for US residents, and that’s certainly what they advertise.
However, when you’re on their website there’s small tab in the right-hand corner that says “International”. When you click on it there’s a drop down menu of languages you can choose from.
If you’re looking for English writing jobs outside of the US you’ll have to click on UK (English).
You can follow the corresponding author pages to the Textbroker International application which says they’re hiring writers from the UK, New Zealand, Australia, Canada, South Africa and the Republic of Ireland.
What I’m not sure about is whether you’ll have access to the same clients that US writers do. I don’t see why not but if that’s the case I’m sure Textbroker has their reasons. And, there may be more than enough jobs outside the US to keep you busy anyway.
These are some tips and suggestions related to Textbroker and writing in general. If you’re a seasoned writer and freelancer you can skip ahead… but if you’re new, maybe you’ll find them helpful…
Don’t Use Quotes – Avoid using quotes when you’re writing content as Textbroker has a strict policy when it comes to copied content. It goes through an automatic checker (software that runs it through CopyScape maybe) and if it comes up with any duplicated content… quotes included, your content will be kicked back to you.
It’s easier to just avoid using quotes altogether.
Use Textbroker’s Writer Resources – As a writer, it’s easy for me to be overly confident and assume that I know what I’m doing. The truth though, is that I’ve been writing my own way for more than thirty years and I’ve developed a ton of bad habits that wouldn’t pass editorial review.
Textbroker has many tutorials, videos and a community you can learn from.
Take Care of Yourself – Another issue that I (and many other writers) have suffered from is neglecting our health and developing bad posture. If you’re just starting out this might seem like a “parent’s lecture”… but believe me, after hundreds of thousands of words hunched over a laptop screen and snacking on unhealthy food, you’ll think differently.
Use a timer, take breaks, walk, and if possible set yourself up with a large high-res monitor at eye level… your back, neck and shoulders will thank you.
Of course, it goes without saying you should eat healthy…. not just for your physical health but for the cognitive benefits of a proper diet. When I’m eating healthy I write significantly faster, remain focused for longer, and my work requires far less editing because the original draft was much better.
Textbroker Employee Reviews and Complaints
Most of Textbroker’s employee reviews are good, but like any company, they have their fair share of complaints. Some of the issues reported I’ve already discussed above.
- Low pay.
- Not enough projects to work on.
- Some clients expect 5-Star content at 3-Star prices. They can be difficult to work with requesting multiple revisions (which are both time consuming and free on your part).
- Outdated and cumbersome user interface.
Among the positive reviews, writers are saying…
- Textbroker is reliable and even if the pay is low, you can count on them to pay on time.
- Can choose the jobs that interest you.
- It’s a good environment to get started and begin developing the skills that make an effective freelance writer.
What I Like
- There are so many shady content mills out there that it’s nice to see one that has a reputation for being honest and dependable.
- Work when and where you want.
- Writer resources which include tutorials, videos, community help, and regular feedback from editorial staff.
- Projects are automatically accepted and paid for if a client doesn’t respond within 4 – 8 days (72 hours if you’re going by the client’s terms of service).
What I Don’t Like
- No passive income potential. When you write for someone else you’ll only get paid once.
- In most cases you’re a ghostwriter. You won’t get credit for your work and you can’t use it for your portfolio.
- Only 24 hours to respond and re-submit revisions or your work gets sent to another writer for modification and you don’t get paid.
- Unless you have a 5-Star ranking, the pay is painfully low.
As far as content mills go, Textbroker is one of the better ones. However, it won’t provide a full-time income.
Making money as a writer is absolutely possible, but it requires more than just writing. You need to write with a purpose and know where the money is.
Marketplaces like these can be a good stepping stone and a place to improve your craft but at some point. if you want to make a full-time income from home, you’ll need an overall freelance strategy.
Another great stepping stone if you’re not sure where to start is online surveys. Survey Junkie will pay you for your experience and opinion on various consumer topics. Swag Bucks is another company that pays you for doing things online like visiting websites, playing games, watching videos and even searching the web.
If making real money from home is what you want though, then a strategy to start your own online business and generate income from multiple sources is what you need in order to get what you want.
To learn how I did it, I’m going to give you a free step by step beginner’s guide to making money online and you can grab it by clicking HERE.
And, there are hundreds of other work at home jobs you can leverage.
The goal of most writers though, is to produce your own content… a book, blog, screenplay or whatever, and turn it into a money making asset that provides passive income.
Thanks for reading my Textbroker review and if you have any comments or questions, please share in the comments section below.
You can sign up with Textbroker here.
TopCashBack.com Review – Is It A Scam Or Legit?
TopCashBack (TCB) is a cash back portal that allows you to earn money for purchases you make online. You can also earn cash for signing up for products, services and websites. It’s free to join and there are no on going fees or charges. They claim to offer their users 100% of the commission they earn from merchants and instead make their money from hitting bonuses with select merchants and displaying merchants prominently on their website/newsletters.
That being said, they definitely do not always have the highest cash back on every merchant. This could be because of two reasons: other cash back sites are running loss leaders (e.g losing money on certain deals in the hopes that they’ll make it up on other profitable deals) or topcashback isn’t being honest. In all likelihood it’s a bit of a combination of the two, if they are earning bonuses then I’d consider this part of the commission they earn from the merchant so to be a true 100% return of commission it should include this.
Before using any cash back portal you should always make sure you are aware of what other portals are offering. I personally use CashBackMonitor for this as it allows you to set up alerts for when a particular merchant starts offering X% discount.
You shouldn’t also always just go with the highest cash back rate, some portals offer airline miles or hotel points which might be a better deal. All portals aren’t created equal either, some track better than others. They also have differing levels of customer service when something goes wrong, ideally you want a cash back portal that does all of the following:
- Pays at a high rate consistently
- Has a good range of offers
- Tracks offers quickly and correctly
- Has a good customer service system if something does go wrong
- Has a low payout threshold (there is no point earning 50% cash back on all your purchases if the portal requires you to have a balance of $10 million before you can withdraw)
- Pays out in a timely manner
TopCashBack has a good selection of offers, for a lot of things they offer the best cash back rate on the market. They are sometimes below other portals so always double check before using them. Below are some of the offers worth looking at, this is updated whenever a new interesting offer becomes available:
Dedicated posts discussing the deal:
Other good deals:
I’ve personally never had a tracking issue with TopCashBack. In the side bar they have something which shows you the tracking statistics for each offer. Before doing any deal through TCB I’d recommend clicking “see more statistics”. This gives you a bit more information such as the average tracking speed and then the average payment speed. Take these statistics with a grain of salt, almost always the tracking stats will show 100% satisfied (or close to it), even on deals where you see a lot of tracking complaints on the forums. That said, it can be useful for getting an overall feel for an offer, pay particular attention to Auto Tracking Reliability & the Manual Claims required. This should give you a rough idea how likely it is that you’ll need to put in a manual claim.
Looking at the average payment speed will also give you a good idea of how long you’ll need to wait until the funds will be cleared for withdrawal. The last payment date can also sometimes be useful (e.g they might have always paid on time but the last payment date might have been months ago, in which case the merchant might be on the brink of non-payment or delayed payments).
When you make a purchase your cash back earned will first go to pending, the merchant will then confirm it whilst in these states you cannot withdraw the funds. After the merchant pays TCB it will change to payable, at this stage you can withdraw the funds.
We’ll be adding a post on tips to ensuring your portal tracks correctly in the next couple of days.
To request payout (remember that your funds must first be moved to payable status) click here or follow these directions:
- Click Account at the top of the page
- Click Payout
You can request payout via ACH transfer (this might be useful for trigger a bank account bonus), paypal or Amazon gift cards. If you choose Amazon gift cards then you’ll receive a bonus, the standard bonus is 2.5% but it’s almost always at the increased rate of 5%.
Unfortunately payout is not instantaneous (I thought it would be considering they make you wait for it to become payable) and you need to wait up to 14 days for the funds to actually be paid out. This post will be updated with how long it actually took each method to pay out:
- Paypal payout: ?
- ACH payout: ?
- Amazon gift card payout: ?
As mentioned previously I’ve never had an issue with tracking, as such I haven’t had to contact TopCashBack for customer service support before. When researching this article I did notice that TCB make it difficult to find their claim form for missing cash back. You can access it directly by clicking here. The help page also has some very generic advice.
I decided to do some searching and find people who’ve had issues with TCB and how it was handled (please share your own experiences in the comments).
I have had three transactions with this company and only had issues. Others report fine service. All I know is I won’t dare pass my referral link to my readers. I have only had positive experiences with ebates. They may not pay as much but, darn it, all transactions register automatically and they pay regularly and, most importantly, they never wasted my time tracking down money owed to me!!
George of Travel Blogger Buzz
Had issues with AmexGift cards. Filled out form, including order #, and they credited my account a couple weeks later
yeah lately I’ve had issue a few times and their CS sucked with one exception were they did help me……
TopCashBack allows you to “tell a friend” about the site, if that friend signs up using your link, authenticates their account and then earns $10 in cash back then you’ll receive a $10 credit to your account as well. Any sign up bonus they receive does not count towards the $10 they need to earn, there is also a list of programs that don’t count towards this threshold which can be found here.
We allow you to post your referral links in the comments, but to do so you must post a profitable offer that can be found in the TopCashBack portal. If you just post your referral link then it will be removed.
- GOOD: Purchase X for $10, you can then resell it for $5 and TCB gives you $9 cash back. $4 profit
- BAD: X has 10% off.
Please consider using the links of people who’s deals you find the most useful in the comments section. If the deal you post here is used for an individual post then your referral link will be included.
As with most things in life, this is going to boil down to personal preference. TCB usually has higher rates with most merchants, but seems to have higher complaints in regards to tracking. If dealing with support isn’t worth that extra money, then you might be better off with another portal.
You should never assume any portal has the best rate, always check first to make sure. I personally use CashBackMonitor, but there are a lot of other sites out there. If you do decide to sign up for TCB, you can use my link here. Alternatively use one of the referral links that will be found in the comments section.
Trim Review: An App That Saves You Money on Autopilot?
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Trim (also known as Trim Savings or Asktrim) is one of many new tools that promise to save you money effortlessly. But is it really as easy as signing up and letting Trim be your automated personal finance assistant?
To my surprise, the answer to that questions is “yes”—to an extent. The service’s automated features do have their limits, although Trim is expanding its offerings as part of its quest to help you make the most of your money.
In this Trim review, you’ll learn:
Trim App Review
How Trim Works
Financial tools like Mint have changed the way we manage our finances. We no longer need to break out a spreadsheet to budget, or log in to all of our accounts to see how much we’ve spent. We can see our cashflow in seconds just by opening a single app.
While these tools offer an array of useful features, they have their limits. And at the end of the day, these tools are not playing an active role in helping us make the most of our money.
That’s where Trim aims to fill a gap in the market. The service tries to actively help you manage your finances, even going as far as saving money through the use of artificial intelligence.
You get started by signing up for Trim through the company’s website and linking your bank and credit card accounts. Then, rather than using an app, you’ll communicate with Trim via text message.
What Trim Offers
The number of ways Trim can help you save money is growing. However, what the service is most well known for is its automated bill negotiation tool. It also has the ability to cancel unwanted and unused subscriptions.
This is a smart strategy for Trim, as negotiating your bills and cancelling subscriptions are small wins that deliver big results. The service can and has won users over with these quick wins.
Here’s how these features work:
Trim can negotiate your bill with any internet, cable, or cell phone provider. After you sign up, you’re asked to link your service provider and, if not listed, upload your latest bill.
Trim will then use a chatbot (or someone from Trim will place a phone call) to negotiate.
What’s nice about Trim’s bill negotiation service is that it’s constantly monitoring your bills for ways to save money. For example, say in 12 months your cable bill goes up, or there’s a good limited-time offer that you weren’t aware of; in either case, Trim will attempt to negotiate a better rate.
While Trim explains the cost of this service upfront, it’s important to note that the company does charge up to 30 percent of the yearly savings it achieves on your behalf. (The fee varies depending on the service provider.) So, if Trim saves you $276 per year (the average annual savings of a user), its cut would be $82.80. That fee is charged up-front, not on a month-by-month basis.
If you’re the type who never negotiates, this fee could be worth it.
However, if I had a substantial bill I hadn’t negotiated in a while, I’d try negotiating myself first. Then, I’d sync the account with Trim.
Knowing this, I still gave Trim the chance to negotiate on my behalf. My issue was that I don’t have much to negotiate. My current breakdown of cell phone, cable, and internet service providers are:
- Cable and Internet: I pay $54.99 to Comcast for limited basic cable, HBO, and performance internet
- Phones: For two phones, I pay on average $24 per month for 2 GBs of data through Xfinity Mobile
- Utilities: Local utilities are non-negotiable through the city
So in terms of large, recurring utility and service bills, there wasn’t much for Trim to do.
But one benefit of linking my accounts was that Trim is capable of getting credits from my cable or internet provider for any outages. This is where I’ve personally seen the most savings.
On three separate occasions, Trim has been able get a credit applied to my Comcast account.
A $10 credit negotiated in November of 2020:
A $20 credit negotiated for me in October of 2020:
The third time was in January of 2020. The message I received from Trim was that it was a $20 credit, but a $30 credit appeared on my Comcast bill.
Here’s the notification from Comcast:
I have to admit, these notifications are fun to get. I’d gladly pay 25% for this service, as most of the time I wasn’t even aware there was an outage. So in my situation, Trim’s bill negotiation service has resulted in a nice win and has been well worth the few minutes it took to sign up.
Cancelling Unwanted Subscriptions
The other feature that gets a lot of press is Trim’s subscription cancellation service. With a quick text, Trim can cancel certain subscriptions on your behalf.
Trim starts the process on its end, sending you a monthly update of any potential subscriptions.
Then, you can actually initiate the cancellation process by simply texting back “cancel.” Trim will take care of the rest.
There are a few ways Trim does this, including:
- Sending an email
- Placing a phone call
- Sending a certified letter in the mail in cases where it’s extremely difficult to cancel (like gym memberships)
This feature is 100% free of charge.
Trim’s Other Features
Once you log in, there are more potentially-useful features.
While these don’t save you money directly, they can help you make better financial decisions.
Here’s what’s inside:
- Spending analysis: Trim’s spending analysis lets you compare your spending month-by-month, by exact date, and by category. I found the exact date feature pretty useful for seeing if I have any big one-time expenses coming up.
- Budget your spending: you can set a budget with Trim, and the service will notify you of your progress throughout the month.
- Simple savings: a recent feature added to Trim is an FDIC savings account. Trim pays 1.5% interest. However, the account comes with a $2 per month service charge. I passed on this because there are better savings accounts out there.
How Trim Makes Money
Anytime I sign up for a service, I like to understand the business model behind it. Trim utilizes the popular “freemium” model.
Signing up is free, as are many of the services offered.
Trim’s free services include:
- Bill cancellation: the ability to cancel monthly subscriptions with a simple text
- Budgeting tools: Trim’s spending analysis and budgeting tools allow you to easily track how you’re doing for the month
- Text alerts: notifications about monthly subscriptions sent via SMS, as well as notices about large purchases and whether I’m spending within my budget
As discussed, Trim makes money through its bill negotiation service, for which it charges 30% of the total annual savings.
Furthermore, like many other budgeting tools, Trim recommends certain financial products that it thinks might be a good fit for you. These include credit cards, home and car insurance, and clean utility providers (they recommend Arcadia Power).
Trim is also branching out into more “done for you” services. For example, it recently launched a financial coaching service that can help you pay off your debt.
This premium service runs $10 per month and comes with a 90-day money back guarantee.
The most interesting thing to note here is that Trim will actually negotiate your credit card APRs. For anyone in debt, this can be a huge win to help you get out of debt faster.
The idea of offering a financial coach is one that really intrigues me. People living paycheck to paycheck are an underserved market when it comes to financial coaching. More often than not, these individuals don’t know where to start, so a basic plan—even one generated by a robot—can go a long way. Add some constant goal reminders through SMS, and this feature has a lot of potential. I’m interested in seeing how this service takes off (and if you’ve tried it, let me know).
Is Trim Safe?
When setting up your Trim account, you can’t help but wonder if it’s safe. After all, you’re providing the company with your checking account and credit card details.
The access Trim has to your financial institutions is “read-only” access. That mans that no changes can be made (such as moving money around), and you can revoke this access at any time.
Furthermore, Trim’s website uses 256-bit SSL encryption and all server-side databases.
If you sign up through SMS, Trim uses two-factor authentication (which sends you a text to confirm your identity).
Trim doesn’t share your data, according to its FAQ:
Your data is only used for you: we don’t sell it or use it in any way other than what we’ve explained already. We safeguard your data using bank-level security at all times. We don’t ever share your data with third parties.
Trim Review Summary
I’m excited to see where Trim continues to go with its products. I love the idea behind these next-generation financial services that are taking an active role in helping people manage their money.
I’ve seen the most benefit from the bill negotiation service, and specifically from Trim’s ability to get credits for cable and internet outages. And the text/messenger alerts are a nice way to keep a close eye on whether my budget is out of whack.
One thing I’d look out for is if you pay hundreds per month for services. If Trim is able to knock $50 per month off your bills ($600 per year), you can get charged up to $180 upfront. While you’re no doubt saving money in the long-term, it’s best to negotiate the bills yourself first, then let Trim do the work from there.
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