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Things A Smart Investor Must Know Before Investing in PPF



The recently revised interest rates on small savings schemes by the government which will fetch about 0.4% or more on various schemes from the current quarter (October-December), has once again brought the popular Public Provident Fund (PPF) into the limelight.

PPF, which was launched way back in 1968 still remains an attractive avenue of fixed income investment. As a scheme is backed by the Government of India, it offers safety along with an attractive rate of interest and returns fully exempted from tax.  Let’s take a comprehensive look at the saving instrument to assess whether it is the right kind of investment for you!

  • PPF is basically a long-term saving vehicle with a lock-in period of 15 years for the scheme. Thereafter, the subscriber can optionally extend it for 1 or more blocks of 5 years each through an application.
  • Partial withdrawal up to 50% of the PPF balance is allowed 7 years after the expiry of the year in which the account is opened. However, it is suggested that one should check with the respective website of the bank to determine when the partial withdrawal is allowed. Some banks, such as ICICI and Axis, allow withdrawals after 5 years and some after 7 years (SBI and HDFC)
  • You can also take a loan against your PPF balance, between the 3rd and 6th year from the date of account opening. Up to 25% of the PPF balance in the 2nd year preceding the year of withdrawal can be taken. The rate of interest on the loan is just two percent over the prevailing PPF rate if the repayment is done within three years failing which the interest rate rises sharply to six percent over the prevailing PPF rate of interest. So if the current PPF interest rate is 8% and you repay the loan within 3 years then the rate of interest charged would be 10%.

PPF Calculator – PPF Interest Rate, Loan, Maturity & withdrawal Calculator

  • A person can begin investing in the scheme with a minimum amount of Rs 500 and the maximum limit of Rs 1.5 lakh in a financial year in order to avail of the benefits of the PPF. You can invest money in the PPF up to 12 times in a year. These can be equal installments or unequal installments.
  • You can open the PPF account in your own name or on the behalf of a minor but the limit of Rs 1.5 lakh is collectively applicable on all accounts. Non-resident individuals (NRIs), Hindu Undivided Families (HUF) and a Body of Individuals (BoI) cannot invest in PPF.

Also Read : Differences Between EPF and PPF That You Must Know About

  • PPF offers tax benefits as it comes under EEE (exempt-exempt-exempt) status which means that at the times of investment, the interest accrued and the proceeds received are exempted from the imposition of tax under section 80C of Income Tax Act.
  • The scheme, after the recent increment by the central government of 40 basis points, offers an 8% rate of the return compounded annually. Suppose you are in a 30% tax bracket, then the effective rate of returns translates to about 10.4% if tax exemptions are taken into account.
  • One of the lesser-known facts about the PPF is regarding the maturity date calculations. The rules of the PPF scheme mandate that the date of calculation for maturity must be taken from the end of the financial year in which the deposit was made. For example, if your first contribution to PPF is made on October 1, 2018, then the lock-in period would be calculated from March 31, 2019. So the maturity date would turn out to be April 1, 2034, in this case.
  • You get interest on the lowest balance in your PPF account between the fifth and the last day of the month. Hence it is recommended that you should invest in PPF before the fifth of every month.
  • In the case of one-time annual investments, one should deposit the contributions before April 5, of the financial year for the same reasons. For example, if you make your PPF deposit on the 10th of May, then your deposit would not be counted in for the interest calculation of that month (May) as the minimum balance between the fifth and the last day of the month is considered for the interest calculations.
  • An individual can open a PPF account at any bank branch or post office. Also, the PPF accounts are transferable to any other branch of choice. Nomination facility is also available with the PPF account.


The post Things A Smart Investor Must Know Before Investing in PPF appeared first on Compare & Apply Loans & Credit Cards in India-

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How to Choose the Best Extended Car Warranty



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Even the most common car repairs can be exorbitantly expensive. According to recent figures, the cost of replacing an engine and cylinders can run from $7,000 to $10,000, whereas replacing a hybrid car battery can cost upwards of $6,000. A new transmission can cost $4,000 to $5,000, and even a new head gasket will set you back an average of $2,000. The list goes on and on.

The best way to save yourself from the surprise cost of any of these repairs involves purchasing an extended car warranty as soon as you can. The problem is, there are almost too many car warranty companies competing to sell you a warranty policy, and some of those companies are less than reputable. It’s common for companies to charge more than these warranties are really worth, or to add a bunch of fine print to your warranty that can make it difficult to use.

To help you make sense of everything, we compared dozens of car warranty companies to find the absolute best. Not only did we focus on the inclusions of the warranties they offer, but we compared companies based on third party reviews, the fine print (which you definitely need to read), and more. Carchex came out ahead in our ranking due to their excellent user reviews and all the bonus features their plans offer from day one.


If you’re in the market for an extended car warranty, keep reading to learn how these companies fared in our study, what each one includes in their warranty products, and all the factors you should consider before you purchase an extended warranty for your vehicle.

Most Important Factors When Purchasing an Extended Car Warranty

Where can you use your car warranty? While the extended car warranty companies that made our ranking offer plans that can be used at nearly any repair facility or dealership nationwide, this isn’t always the case. Make sure to check any car warranty you’re considering to see if there are rules that can limit where you can get your car fixed and use your warranty coverage.

Ask about deductibles and waiting periods. Some auto warranties require a deductible, although it’s difficult to find out about deductible amounts and plan costs without getting a free quote. You should also ask about waiting periods some companies require before your warranty kicks in.

Check the fine print. Make sure to read over the fine print of your warranty so you know details like where you can get your car repaired. Some warranties only let you seek out covered repairs at participating dealerships and auto repair companies, but these companies may not even have a location in your area.

Know what is included in your extended car warranty. Finally, make sure you read over the plans each company offers in order to find out which components of your vehicle will and will not be covered. Each company is very specific on these details, so it’s not difficult to find this information on their company websites.

The Best Extended Car Warranties of 2020

Comparing companies who offer extended car warranties isn’t a ton of fun, but it’s crucial if your goal is winding up with the best warranty for your needs and your wallet. As you compare extended car warranty companies to find the right fit, we suggest starting your search with this list:

Company Highlights  
  • 5 levels of coverage
  • A+ rating from BBB
  • Great customer reviews
  • 30-day money back guarantee
Learn More
endurance car warranty
  • Tailored plans to suit your needs
  • Payment plans available
  • In-house administration
  • 30-day money back guarantee
Learn More
  • 3 tiers of coverage offered
  • A- rating with BBB
  • Great user reviews
  • 30-day money back guarantee
Learn More
liberty bell auto protect
  • 3 tiers of coverage offered
  • In-house administration
  • 30-day money back guarantee
  • Must have less than 140,000 miles
Learn More
infinite auto protection
  • 3 tiers of coverage offered
  • A+ rating from BBB
  • 30-day money back guarantee
Learn More
autopom car warranty
  • 4 tiers of coverage offered
  • A+ rating with BBB
  • Great user reviews
  • Cars must meet certain requirements
Learn More

Which Services Didn’t Make the Cut?

While extended car warranties can help you avoid pricey repair bills that can wreck your budget and force you off the road, keep in mind that not all companies in this space are reputable. For example, the car experts at Edmunds note that many extended car warranties aren’t what they seem, and that some hide behind loopholes and fine print to avoid having to cover repairs that should be included.

That’s why we compared companies for our ranking so carefully, and why consumers should do their due diligence to make sure they don’t wind up giving their money to a shady car warranty company. Cars are expensive on their own, so you shouldn’t waste money on a warranty that doesn’t work as intended.

Reviews of the Best Extended Warranty Companies

Ready to compare all the top extended car warranty companies head to head? The following reviews include the main details you should know about each company, as well as highlights and areas where they could improve.


carchex car warranty

Carchex is an extended warranty company that is well known within this industry for the quality of their policies. They boast an A+ rating with the Better Business Bureau (BBB) as well as a 99% customer satisfaction rating. This company also has an average of 4 out of 5 stars across over 1,200 reviews on Trustpilot.

Carchex offers five different levels of coverage, each with more included repairs and longer available warranty timelines. Titanium coverage is their highest level of extended warranty coverage, followed by Platinum, Gold, Silver, and Bronze. However, you should note that all Carchex extended warranties come with 24/7 roadside assistance, towing, rental car access, gas delivery, and trip interruption insurance, among other perks. You can also get an instant quote online just by entering information about your vehicle and where you live.

Get Started With Carchex

Why Carchex Made the List: Carchex extended warranties come with more perks than many competing companies offer. This firm also has some of the best rankings and reviews from customers and third party ranking agencies. Carchex also offers a best pricing guarantee and a 30-day money back guarantee.

What Holds it Back: Like other car warranty companies that made our ranking, Carchex doesn’t publish any prices on their website. They also offer more plans than some competing companies, which is almost too overwhelming and confusing.


endurance car warranty

Endurance is one of the most popular extended car warranty companies offering these products on the market today, and it’s easy to see why. This company offers a handful of plans that can suit any car warranty needs, and you can even pay for your warranty on a 36-month payment plan. You should also be aware that you can purchase a plan from Endurance once your car’s manufacturer’s warranty is about to expire, meaning you don’t have to have any lapse in warranty coverage.

Tailored extended warranty plans you can choose from include specific coverage for high mileage vehicles, basic plans with affordable coverage, and superior plans with more inclusions and longer coverage timelines. Also note that all extended car warranties from Endurance come with a one-year Endurance Elite Membership. This membership includes perks like roadside assistance, ID theft coverage, key fob replacement, tire repair and replacement, and more.

Get Started With Endurance

Why Endurance Made the List: Unlike some other companies that sell plans offered by third party warranty companies, Endurance actually administers its plans. That means you’ll purchase your extended car warranty from the same company that oversees your plan. Endurance also offers a 30-day money back guarantee on all of their plans.

What Holds it Back: Like some other extended car warranty companies, Endurance doesn’t hint at pricing on their website. You have to contact this company to get a quote. Also note that Endurance is not accredited by the Better Business Bureau.

Concord Auto Protect

concord auto protect warranty

Concord Auto Protect is another company that stood out in our study thanks to their excellent rankings and reviews. This extended warranty company boasts an average of 4.5 out of 5 stars from users on Trustpilot as well as an A- rating with the BBB.

Concord Auto Protect offers three extended warranty plans to choose from — powertrain coverage, an advanced plan, and a premium plan. However, you do have to call into the company or fill out an online form to get a free quote.

Another benefit of using this company is the fact that all their plans come with additional perks. Benefits you can look forward to include free roadside assistance, rental car coverage, and a 30-day money back guarantee.

Get Started with Concord Auto Protect

Why Concord Auto Protect Made the List: This company has excellent user rankings and reviews. They also administer the plans they sell, which means they are entirely accountable for sales and service.

What Holds it Back: Only their priciest extended warranty plan covers high tech electronic components that may be in your vehicle.

Liberty Bell Auto Protect

liberty bell auto protect

Liberty Bell Auto Protect is another highly rated company that offers extended car warranties that protect consumers from scary car repair bills. This company offers three easy-to-understand coverage levels with tiered inclusions — Platinum, Platinum Plus, and Platinum Prime. Also note that this company administers all of their warranty plans, and that they even have an in-house claims team.

Each plan from Liberty also comes with additional perks like 24/7 roadside assistance and a 30-day money back guarantee. You also get 100% parts and labor coverage while your car’s warranty is in effect.

Get Started With Liberty Bell Auto Protect

Why Liberty Bell Auto Protect Made the List: Liberty Bell Auto Protect offers three easy-to-understand plans, and they administer all of their warranties in house.

What Holds it Back: You can only buy a warranty from this company if your vehicle has less than 140,000 miles.

Infinite Auto Protection

infinite auto protection

Infinite Auto Protection made our ranking due to their excellent user reviews and their robust warranty plans. This company has an A+ rating with the BBB and mostly “excellent” reviews on Trustpilot. They have three plans to choose from — a basic foundation plan, a modern plan with more included items, and a prime extended auto warranty that covers most aspects of any car, including high-tech electronic components.

You do have to fill out a contact form or call into the company to get a free quote. However, you should be aware that Infinite Auto Protection plans do offer the option of monthly payments, and that you can use them virtually anywhere. Also included in every plan are rental car coverage, 24/7 roadside assistance, courtesy towing, and other perks.

Get Started With Infinite Auto Protection

Why Infinite Auto Protection Made the List: Infinite Auto Protection comes with included perks like rental car coverage and roadside assistance. They also have excellent user reviews and a top rating with the BBB, along with a 30-day money back guarantee.

What Holds it Back: Infinite Auto Protection doesn’t offer any information on pricing or deductibles on their website. You have to work with a customer service agent in order to get a quote for your vehicle.


autopom car warranty

Finally, make sure to consider autopom! despite this company’s quirky name. This company has an A+ rating with the BBB for starters, but they also have an average of 5 out of 5 stars in their most recent reviews. This means their actual customers approve of their products and service, which makes it a lot easier for us to recommend them in our ranking.

autopom! offers four levels of warranty coverage — Powertrain Plus, Mid-level, High Level, and Exclusionary. Where the lower tier Powertrain coverage provides basic replacement and repairs when your powertrain and other major components break down, the top tier Exclusionary coverage is considered “full coverage” for your vehicle.

Customers should also be aware that all plans from this company come with rental car assistance, roadside assistance, a 30-day money back guarantee, and other perks.

Get Started With autopom!

Why autopom! Made the List: This car warranty company has excellent user reviews and plans to fit any warranty needs. They also offer affordable payment plans.

What Holds it Back: Autopom! requires cars to meet certain condition standards in order to qualify for their policies.

What You Need to Know About Extended Car Warranties

There are numerous advantages that come with purchasing an extended car warranty that provides coverage long after your car’s manufacturer’s warranty expires. For example, these plans can help you avoid the high costs of repair bills once your car starts aging and requiring ongoing repair work. Not only that, but the best extended car warranty companies make it easy to tailor your plan to include the types of coverage you want the most.

Unfortunately, there are some downsides to be aware of when it comes to purchasing extended warranties. For starters, these warranties can be expensive, and that’s especially true if you purchase top tier warranty coverage. While having a warranty can pay off in a big way if you do have an expensive repair need pop up, keep in mind that the opposite is also true. If your car runs fine and never has any big problems, an extended warranty will provide you with peace of mind but not much else.

Another downside of extended warranties is the fact that they don’t always cover what you need them to. These plans are typically loaded with fine print that can come back and bite you if you don’t pay attention, including some important limits on what is and what isn’t covered. Before you buy an extended warranty, it’s crucial to read the fine print so you know exactly what you’re paying for.

Speaking of fine print, it’s important to find out where you can get your car fixed if you do face a pricey repair bill. As J.D. Power notes, some extended car warranties only include a short list of approved facilities that will perform repairs covered by your warranty.

“If the vehicle breaks while on a trip, or if you move to a different region of the country while the warranty is in effect, such restrictions can render the warranty useless,” writes J.D. Power.

Our advice? Make sure you can use your warranty almost anywhere. If you don’t, you could wind up with a warranty you can’t even use.

How We Chose the Best Extended Car Warranties of 2020

Finding the best extended car warranties required us to research the plans each company offers and what they include. However, extended car warranties aren’t worth very much to consumers if the companies that market them make them difficult to use. With that in mind, here are the main factors we considered to help consumers find the best extended car warranties money can buy:

Excellent user reviews: Extended car warranties are nothing more than a written contract until you have to use them. With that in mind, we placed priority on user reviews from actual consumers who have purchased a car warranty and made a claim. All of the companies on our list have good or great reviews from previous and current customers.

Ease of Use: We also focused on warranty companies that let you use your warranty at nearly any repair shop or auto dealer. That way, you won’t be stuck with a warranty you can’t use if you move across the country or face a pricey repair when you’re traveling far from home.

Company Guarantees: We also gave preference to companies that offer an upfront price guarantee and/or a money-back guarantee. Most of the firms we profiled here offer a 30-day money back guarantee that lets you get a refund if you’re not satisfied.

Payment Plans: Finally, we looked for extended car warranty companies that offer payment plans. While it’s never fun to finance any purchase — and especially not a car warranty — payment plans let you enjoy the benefits of your warranty right away whether you have the cash to pay upfront or not.

Summary: Best Extended Car Warranties of 2020

carchex car warranty Learn More
endurance car warranty Learn More
Learn More
liberty bell auto protect Learn More
infinite auto protection Learn More
autopom car warranty Learn More


The post How to Choose the Best Extended Car Warranty appeared first on Good Financial Cents®.

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Ultimate Guide to Taking Surveys for Money ($$$) Best Paid Surveys in 2020



If you’re looking for a great way to earn cash online, then you might want to consider taking online surveys.

Survey companies behave as a middleman with businesses that need market research and individuals who want to earn money online.

They pair individuals with surveys that they qualify for based on demographics, and then the businesses use the information they collect to refine their offerings.

Here is our ultimate guide to taking surveys for money and our picks for the best paid survey sites.

How to Become a Survey Taker

Simply put, to become a survey taker, you must have an internet connection and an email address. Additionally, surveys typically take a lot of time to complete, so having spare time and a bit of patience is vital to your success as a survey taker.

Best Sites to Take Paid Surveys

If taking surveys in exchange for cash sounds interesting to you, there are several options to choose from. Read on to see what some of the top companies are and how you can earn money today.

1. Surveys2Cash

Surveys2Cash’s website boasts that ‘your opinion can change the products of tomorrow, today.’ Read on to see how they change the products of tomorrow.

What is Surveys2Cash?

Surveys2Cash is an incentive-based market research site. They reward their members for completing surveys. However, they do not provide you the surveys. Instead, they help users find companies or websites that have surveys. Then, those sites are responsible for paying users.

How to Sign Up:

The sign-up process online is relatively simple. Users enter their personal information to get started. Then, they answer a series of questions about their interests, demographics, and more. After this step, users are shown a series of offers that they might be interested in. Some of these include being taken to third party survey sites to start completing surveys.

Where is it Available?

Anyone can sign up for Surveys2Cash. If there are websites that they partner with within your area, they will connect you with them.

Who Can Qualify?

The Surveys2Cash website does not have any information on the minimum age to sign up. This is likely because they do not administer surveys directly, so users may be turned away due to age, location, or otherwise at the sites that they are paired with.

Average Earnings:

Users do not earn money directly from Surveys2Cash. Instead, they promise to connect users to high-paying surveys on a different platform.

Payment Method:


Minimum Cash Out:


Join Survey2Cash

2. Opinion Outpost

Owned by Survey Sampling International, this site is headquartered out of Shelton, Connecticut, USA, and is one of the original survey websites.

What is Opinion Outpost?

Opinion Outpost works similarly to other survey websites. Users are presented with several survey options and can provide their feedback in multiple areas. Users must qualify for some surveys, as is standard in the industry.

How to Sign Up:

Users only must provide their name and email to sign up or can use their social channels such as Google or Facebook, to sign up. Users do not provide any unnecessary sign-up information.

Where is it Available?

Users must be in the United States,

Who Can Qualify?

Users must be over 18.

Average Earnings:

Users can redeem their points for cash, and 50 points are equal to $5. Most surveys are worth a couple of dollars. Every quarter, Opinion Outpost has sweepstakes for $10,000. To qualify, users can enter their names into the drawing every time they complete a survey. Therefore, users are incentivized to take more surveys. Additionally, users can refer a friend for a $1 bonus.

Payment Method:

Users earn points, but they are transferrable to cash. Users can also donate their earnings to the American Red Cross.

Minimum Cash Out:

50 points

Join Opinion Outpost

3. MyPoints

MyPoints is another website that has been around for over two decades. They offer more than just taking surveys, and enjoy a particularly user-friendly option, MyPoints might be perfect for you.

What is MyPoints?

MyPoints is a survey website that also pays people for shopping online. Users earn gift cards in exchange for providing consumer information.

First, users sign up online. Then, they start shopping online they way they usually would, but they must first access the retailer they are shopping with from MyPoints’ online platform. Users earn up to 25 points per dollar they spend online and get to redeem points for Amazon gift cards or gift cards with over 75 other online retailers or restaurants.

How to Sign Up:

Subscribers can visit the MyPoints website to sign up. They only need a valid email address to begin the sign-up process.

Where is it Available?

Users must be in the United States and be United States residents to use MyPoints. MyPoints has an app, but can also be accessed from desktop computers, tablets, and mobile browsers.

Who Can Qualify?

Anyone over 18 with a valid email address can sign up. Like other survey websites, when users sign up, they take a detailed survey that helps to qualify them for future surveys. Anyone who signs up must complete the intake questionnaire accurately.

Average Earnings:

Users can earn gift cards, cash, and travel miles through the platform. There are many ways to make, although online shopping is MyPoints’ bread and butter product. There are over 1,900 retailers that users can connect to through the MyPoints platform, and users can earn up to 25 points per dollar spent when using the platform.

Other common ways to earn points are to get alerts coupons and use them, read emails and get points for merely clicking on links within the emails, and to share opinions on their market research surveys. Users can also earn points for watching videos, using their website to search the web, and can print and use coupons for extra savings.

Earnings can fluctuate between the different methods of earning points, but opening emails typically yields about five points, and shopping online can fluctuate depending on how much a person spends. Surveys usually pay out approximately 200 points, and watching videos can range from 20 to up to 500 points per video. If using MyPoints to get cashback on spending, then the more someone spends in specific areas, the more they can earn in cashback.

Payment Method:

MyPoints users can receive travel points, cash, or gift cards. If they choose money, they can get their money as early as the same day when using PayPal but must have earned $25 worth of points before exercising this option.

Minimum Cash Out:

The minimum cash out amount is 480 points, which is valued at between $3-4. However, when cashing out in cash via PayPal, the minimum amount is $25. A $25 gift card is nearly 4,000 MyPoints. When redeeming airline miles on full-cost carriers such as Delta or American, a $500 gift card costs more than 15,000 points.

It can take a long time to earn enough points for a substantial payout. It is important to note that if users are inactive for over a year, they can lose all their accrued points.

4. InboxDollars

InboxDollars is a website that pays consumers in cash rather than points in exchange for their time spent on surveys and watching videos.

What is InboxDollars?

Daren Cotter founded InboxDollars in 2000 from the comfort of his Minnesota State University dorm room. After graduating with a B.S. in Computer & Information Systems, Cotter made InboxDollars his full-time gig. Since 2006, InboxDollars has paid over $60 million to users in exchange for their time taking surveys and providing other consumer information.

How to Sign Up:

Subscribers can use the website to sign up. They must be 18 years old and have a valid email address.

Where is it Available?

Users can access InboxDollars on nearly all their devices, but the web interface is the easiest to use. You can also use a tablet or phone, and they have an app option for both iOS and Android.

Who Can Qualify?

Anyone over 18 with a valid email address can sign up. When users sign up, they answer a series of questions that last multiple pages. Some questions are very personal and ask detailed questions about income, family situation, and more, so users must be comfortable answering these questions honestly. The information provided will help match users with

Average Earnings:

The average survey yields between $0.25 and $1 in profit. Some surveys can take over 20 minutes, so use your discretion as to whether this is a good option for you.

It is important to note that there are also ‘pre-surveys,’ which are a series of questions that determine if a person is qualified to take a survey. These take several minutes in addition to the surveys themselves and are unpaid.

Users can also play games on the InboxDollars platform in exchange for money. Most earnings are in the form of scratch-off tickets rather than cash. You earn them virtually, and winnings are anywhere from $0.01 to $0.05, but users have been known to win $10-25 per card on occasion.

The other way to earn money with InboxDollars is to open paid emails. The website sends three to five emails per day and users that open the emails and click through the links in the email. These clicks typically yield a few cents toward your overall balance.

Payment Method:

Users can elect to receive their payouts via check or PayPal. There is a $3 processing fee each time you cash out, so if you reach the minimum threshold of $30, the actual payout is $27. If you reach a $40 payout, there is no processing fee.

Minimum Cash Out:


Join Inbox Dollars

5. SendEarnings

SendEarnings creates marketing solutions for large brands via their network of millions of survey takers. Prodege, a global marketing agency, owns the company.

What is SendEarnings?

SendEarnings works with a team of brands that pay them for consumer input. Then, they recruit members who sign up via their website or app to do online activities such as take surveys, watch videos, shop online, and more. Members can earn cash in exchange for doing these activities.

How to Sign Up:

Users sign up on the home page of their website using an email address. Users earn $5 for merely signing up, and the amount is automatically added to a user’s account. Then, users can receive 0.52 cents for filling out their profile, confirming their first email, and doing their first web search. Mostly, they are learning how to use the website and getting paid to do so.

Where is it Available?

Users must be in the United States or the United Kingdom.

Who Can Qualify?

Average Earnings:

In addition to making up to a few dollars per survey, users can invite their friends to use the platform. They will earn 10% of what their friends earn added to their balance automatically.

Payment Method:

Users can earn PayPal cash, gift cards, or a traditional check. It is important to note that the processing time is two weeks.

Minimum Cash Out:


Join SendEarnings

6. Vindale Research

Vindale Research is one of the longest-standing and best-rated survey companies. They help companies hear the opinions of consumers so that they can improve their products and better reach their markets.

What is Vindale Research?

Vindale Research is an online market research company that gives community members money in exchange for taking surveys and completing other offers. Vindale Research was founded in 2006 in New York. While it still serves the American market, it has expanded to the United Kingdom, Canada, and Australian markets. They offer paid surveys, product testing, and incentivized email marketing campaigns, among other offerings. The company was sold to Reimagine Holdings Group in 2018 but maintains its offerings independently.

How to Sign Up:

Subscribers fill out information about their demographics and interests. Then, they will have access to available surveys on the Vindale Research website. They can also sign up to be notified when a survey that meets their interests becomes available.

Where is it Available?

Subscribers can take surveys on any of their devices.

Who Can Qualify?

Users must be in the United States, Canada, the United Kingdom, or Australia. Some surveys are only available in select countries or to citizens of those countries.

Average Earnings:

Most surveys take about 5-10 minutes and pay between $0.50 and $2. Users can also watch short videos to earn money. They are typically advertisements and last a minute or less. However, these have significantly smaller returns at about $0.05 each.

The first step to earning money is to sign up. Users will receive $1 just for signing up. Then, they can take surveys, watch videos, and refer friends until they reach the $50 threshold. It is important to note that there is a limitation on how long available funds can sit in a user’s account before they expire.

Payment Method:

When a user has $50 that they have earned, they must request a funds transfer in the Online Payment Center. They also should have a verified PayPal account set up, or plan to receive a check via mail. Then, they must authorize the payment, and Vindale Research will send the money via their choice of PayPal or check.

Minimum Cash Out:


7. Swagbucks

Swagbucks is a rewards and loyalty-program operator. The California-based company connects users with companies who want their opinions. Their opinions are rewarded with cash or gift cards.

What is Swagbucks?

Swagbucks is one of the most popular survey sites for a few reasons. They give users $5 just to sign up, they have one of the highest reward-per-survey ratios, and they pay their users in either gift cards or through PayPal.

How to Sign Up:

Users can create a profile in minutes using the Swagbucks website. The necessary information required is an email address and proof via birth date that the user is over 18. Then, there is an intake survey that lasts several minutes. This information is used in the future to help qualify users for which surveys they will take.

Where is it Available?

Most of the United States, Canada, Asia, and Europe, and some African countries.

Who Can Qualify?

Users must be 13 or older.

Average Earnings:

Swagbucks is known for having many ways to earn money. Like other sites, polls and surveys are their bread and butter. These surveys take an average of 10 minutes to complete and pay anywhere from $0.25 to several dollars.

Swagbucks also allows users to monetize their searches. Swagbucks has its own search engine, and if users use this instead of Google or Safari, they can earn Swagbucks.

Additionally, users can earn money from playing games on the platform. There are popular options like scrabble and solitaire, as well as other games that you may not have heard of.

The final way to earn money on the site is to watch videos. Users can make a few cents per video toward their Swagbucks balance.

Payment Method:

Users can select to be paid in either PayPal or via gift cards that they choose online.

Minimum Cash Out:

$3 in gift cards or $25 in PayPal.

Join Swagbucks

8. LifePoints

LifePoints is a community of people who sign up to share their views and influence companies in exchange for points. These points can be used on the website to earn cash or gift cards.

What is LifePoints?

LifePoints is one of the longest-standing survey services. They have been around since 1946 and have over five million members worldwide. Signing up is free, as it is with most survey websites.

LifePoints also sets itself apart by offering surveys in 26 languages and has one of the broadest reaches of any survey site because it operates in over 35 countries. LifePoints is a combination of two companies: MySurvey and Lightspeed. Both are global market research companies, and the LifePoints brand helps them to reach individuals who can take market research surveys.

How to Sign Up:

Signing up is free, and users get 10 LifePoints solely for joining. Users sign up online and provide information about their date of birth, full name, and address. Like other survey websites, this information helps to qualify them for surveys in the future.

Where is it Available?

Members are in the United States, India, South Africa, Hong Kong, Mexico, China, and several other countries.

Who Can Qualify?

Users must be 16 years or older and have a valid email address.

Average Earnings:

Surveys start at a few cents each but are typically between $0.50 and $1 in earnings per survey. However, this number can be confusing because users do not earn a cash value but LifePoints instead. The typical payout per survey is between 20 and 100 points.

Users can also provide written feedback in exchange for LifePoints on their account, and the payout of each set of feedback varies based on the completeness of the input.

Another way that people earn money is through product testing. Some companies need specific feedback on their products and reach their testers via LifePoints. Users provide honest feedback for products and are rewarded with points. Sometimes, they can also keep the product they tested.

Payment Method:

Users can choose to be paid via PayPal, select gift cards, or donate their earnings to charitable causes.

Minimum Cash Out:

Because users earn LifePoints, there is not a dollar amount minimum for cashing out. However, the minimum point value to cash out is 5500 points. Various websites will value points at different thresholds, but the most common answer is that they fluctuate based on how many points a user has. The highest-value redemption is via gift card, and LifePoints expire either three years after earning them or after one year of inactivity on your account.

9. Survey Junkie

Survey Junkie is an online survey website that focuses on general consumer information. They connect companies with individuals who are willing to take market research surveys and be compensated in cash for their time.

What is Survey Junkie?

Survey Junkie is full of well-vetted surveys that users can sign up to take and begin earning money right away. Survey Junkie sets itself apart by making sure that their surveys are more specific than other sites, and they are very transparent about how many points each survey is worth and how much time it will take to complete.

How to Sign Up:

Subscribers can use the website to sign up. They must be 18 years old and have a valid email address. Users must also reside in the United States, Canada, the United Kingdom, or Australia.

Where is it Available?

Users must be in the United States, Canada, the United Kingdom, or Australia.

Who Can Qualify?

Anyone over 18 with a valid email address can sign up. When users sign up, they take a detailed survey that helps to qualify them for future surveys. Everyone should fill this out accurately to ensure that they receive their cash rewards in the future.

Average Earnings:

The average survey yields between 100-200 points and typically take up to 20 minutes to complete. Some surveys are worth quite a bit more, but often take a specific skill set to complete or take more time to finish.

Surveys are paid out in points, and 100 points are equal to about $1. Most surveys will pay between $1-3. The website makes it very clear how much each survey is worth, how long it is expected to take, and how long the survey has been active on their site.

Payment Method:

Survey Junkie users can turn their points into either cash or gift cards. The minimum to cash out is $10, and survey junkie has earned an excellent reputation because it does not take a long time to reach that payout.

If you want to earn money in cash, you must have a PayPal account. The account is free to sign up for, but if you do not care for money, you can choose gift cards from several vendors that are detailed on their website. The gift card option is only available in the United States and can be redeemed in increments of $5 at a time after reaching the $10 threshold. For example, users can take out either $10, $15, $20 or more in gift cards at a time.

Minimum Cash Out:


10. Pinecone Research

Pinecone Research has earned a reputation for being a very exclusive company to join. It is invite-only, so do not plan to go online and simply sign up for this service. While it can be difficult to join, it can be a very lucrative program to be a part of.

What is Pinecone Research?

Pinecone is owned by the New York-based market research company, Neilson. Pinecone’s cornerstone product is surveys but has also expanded into other content and emails. Pinecone is also known for a streamlined process when it comes to bringing surveys to its users.

How to Sign Up:

Pinecone has a detailed sign-up process once people are contacted about joining. Additionally, people are not guaranteed to be accepted to take Pinecone Research surveys after filling out the sign-up form. Users must meet a specific demographic and pass quality checks before being approved.

The sign-up process ends in receiving a ‘welcome’ email that confirms acceptance and gives more complete details about completing surveys on the website.

Users can then complete their profiles on the website. They include information such as how often they want to be contacted about surveys, what kinds of surveys they want to take, and detailed demographic data.

This information behaves as screening information and helps Pinecone to streamline the survey delivery process. Unlike other survey websites, they have little to no pre-survey questionnaires because they only reach out to people who are qualified to take each survey.

Where is it Available?

Users must be in the United States, Canada, the United Kingdom, or Germany.

Who Can Qualify?

Anyone over 18 with a valid email address can sign up. When users sign up, they take a detailed survey that helps to qualify them for future surveys. Pinecone often is seeking specific demographics and can turn anyone away if they do not meet the demographics they are seeking at the time.

Average Earnings:

Most surveys with Pinecone Research yield $3-6. Users are paid in points, and 100 points are equal to $1. Users can choose how many surveys they receive each month, but because Pinecone is so selective, users do not typically receive as many survey options as other websites.

Payment Method:

Pinecone Research users can choose to receive their money in gift cards or via cash rewards. The cash option can be obtained via check or PayPal. PayPal recipients can receive their money by the next business day, and checks typically arrive within a week of requesting them.

Minimum Cash Out:


11. Global Test Market

Global Test Market is one of the most popular and trustworthy survey sources. The company has paid over $32 million over its lifetime in exchange for consumers’ opinions.

What is Global Test Market?

Global Test Market offers users the opportunity to earn money from many countries around the world. Unlike its competitors, it operates in over 200 countries and maintains partnerships with over 1500 companies in over 60 countries. According to their website, they have over 5.5 million active members and add more daily.

How to Sign Up:

The registration process for Global Test Market is relatively simple. Users only need an email and their name to sign up and can even link through their Facebook or Twitter accounts for an even more straightforward process.

Like all other survey websites, it is free to sign up. Users will receive a validation email almost immediately and can begin filling out personal demographic information in their online profiles. Global Test Market will use this information to send surveys in the future that are personalized to your data.

The website makes it clear that they do not take users’ personal payment information immediately as a security precaution.

Where is it Available?

Users can be in almost any country to qualify to take surveys. The website is accessible and optimized for tablets, computers, and mobile interfaces.

Who Can Qualify?

Users must be 18 or older to take surveys.

Average Earnings:

Global Test Market has a unique points system. Twenty-three points are equal to $1, and most surveys offer about 35 points. Some surveys offer up to 250 points, but these are rare and often have particular requirements to be able to complete. Two hundred fifty points would equate to about $10 worth of rewards.

Users can also earn referral points for asking their friends and family to join. The referrals must become active members and complete at least two surveys for the person referring to earn points.

Unlike other survey websites, there are only two ways to earn guaranteed points: taking surveys and referring friends. However, the site also offers entries into sweepstakes in exchange for completing surveys, and drawings happen monthly or quarterly. Sweepstakes are not available in every country.

Payment Method:

Global Test Market takes pride in having a seamless and quick payment system. Users earn MarketPoints that are exchangeable for cash or other benefits. Users can choose how they want to be paid, including PayPal, checks, or gifts. PayPal is the fastest payout option, and users often get paid within one business day.

Minimum Cash Out:

The minimum cash out is between 1000 and 1200 points depending on the country that the user is from. This is about $10.

12. PrizeRebel

PrizeRebel is one of the newest survey websites on the market. Although it is relatively new, it has paid out over $19 million to its nearly 10 million users.

What is PrizeRebel?

PrizeRebel sets itself apart from other survey websites by having rewards levels. Like other survey websites, it is free to join, and members can take surveys in exchange for cash, gift cards, and become eligible for sweepstakes prizes. Unlike its competitors, the more surveys someone completes and the more points they earn, they can increase in status on the website.

When a user reaches 4,500 points, they reach Gold level status and begin earning a 1% bonus on all their earnings. Platinum level occurs at 10,000 points, and users earn a 2% bonus on all their earnings. The diamond level is when a user reaches 16,000 points. This status yields a 3% bonus on all points earned and a 3% discount on all redemptions.

How to Sign Up:

PrizeRebel boasts that their sign-up process takes only ten seconds. Users need an email address and their name to get started. Like other survey websites, there is an intake questionnaire that qualifies users for future surveys, and they can choose what types of surveys they want to take in the future.

Where is it Available?

Although it is a U.S.-based company, PrizeRebel is available in 183 countries. Users can log in via any browser on any device.

Who Can Qualify?

Users must be 18 or older to take surveys or can be as young as 16 with a parent’s permission.

Average Earnings:

PrizeRebel awards an average of $0.40-0.60 per survey but can increase depending on the complexity of the survey and what level the survey taker has reached. There are a few ways to earn on PrizeRebel.

The most popular earning option on PrizeRebel is to take surveys. Users can also check out the Offer Wall. The Offer Wall has opportunities to earn points in exchange for completing simple tasks. These tasks may involve watching short videos or signing up for email lists, browsing websites, or installing an app on your phone. Points for these tasks vary.

Users can also earn points by referring friends. When users refer to friends, they can earn 20% of their friends’ earnings. Each person who signs up gets a unique referral code that can be shared via social channels or emails.

Payment Method:

Users can choose to be paid via PayPal, Dwolla cash, or gift cards.

Minimum Cash Out:

The minimum cash out is $2 when choosing gift cards. If you select a PayPal cash out, the minimum is 500 points or $5. It is important to note that your PrizeRebel email address and PayPal email address must match.

13. RewardSurvey

RewardSurvey’s business model is different from others in that it does not promise cash or gift cards to its users. Instead, they can earn gifts or access to potentially expensive programs. Read on to learn more.

What is RewardSurvey?

RewardSurvey is an online survey website that has been around for over 15 years. It pays its users in gifts such as free magazine subscriptions and other services.

One of the most enticing things about this site is the promise of a $30 reward after only one survey. It is important to note that while after one survey, a user’s balance will say $30, and they can collect their gift, they must pay a $0.99 processing fee.

How to Sign Up:

The sign-up form is available on the top of the homepage and only asks for the user’s name, email, a new password, and their location. The sign-up process is very straightforward.

Where is it Available?

Users can select over 200 countries when signing up. The website then connects them to surveys available in their area.

Who Can Qualify?

The sign-up page asks for limited information and does not ask for age. Additionally, they allow people from around the world to sign up.

Average Earnings:

The first survey yields a $30 reward in exchange for a $0.99 processing fee. Most people do not pass this stage as they are on a survey website to make money, not give it away. However, people who continue can earn hundreds of dollars in rewards that they redeem for magazine subscriptions.

Payment Method:

RewardSurvey does not pay out in cash. Instead, users earn a dollar value toward magazine subscriptions.

Minimum Cash Out:

Users can cash out once they’ve received enough points to purchase the gift they want.

Join RewardSurvey

14. MySoapBox

MySoapBox is part of the Interview Service of America. This online membership service gives individuals a voice that brands will listen to so that they can improve their products and services.

What is MySoapBox?

MySoapBox is a trusted survey site that trades your opinion for cash. This website is like other top survey sites in that it is simple to sign up for and use and pays out up to a couple of dollars in exchange for opinions delivered via survey.

How to Sign Up:

The sign-up process is simple, requiring only a person’s name and email address. After signing up via the website, users complete their profiles. This helps to qualify them for future surveys. Then, users select if they want to be invited to surveys via email or text. After that, they take surveys and earn cash.

Where is it Available?

MySoapBox is available in the United States.

Who Can Qualify?

While anyone within the United States can qualify to sign up, each survey has different qualifications for who can complete it. These qualifications are based on demographics.

Average Earnings:

Users earn about 1,000 points per survey. A survey takes 5-15 minutes on average.

Payment Method:

MySoapBox pays out in e-vouchers or online gift cards. Users earn points, and 25,000 points are worth $25. The gift cards available are to major retailers such as Amazon, Target, Walmart, and more.

Minimum Cash Out:

25,000 points the first time, 5,000 points after that

Join MySoapBox

The Bottom Line

There are multiple survey websites available globally. When selecting which site to use, you should be aware that while this is a great way to earn extra money, this side hustle is not your next career move.

Survey takers can often make several dollars a day and cash out their earnings via gift card, check, or PayPal depending on what website they use.

Are You Looking for  More Surveys for Money?

Check out these alternatives:

  • LifePoints – This is a combination of MySurvey and GlobalTestMarket, as a result of a merger. Most surveys take about 15 minutes to complete and offer 100 points. Five hundred fifty points are about $5, and that is the rewards payout threshold.
  • Survey Club – This site’s surveys typically start with a qualification survey, which is unpaid. Users can participate in mini focus groups, teleconference focus groups, and two-way focus groups. The minimum payout is $20, and users can collect this through Amazon credit, PayPal, or a check.
  • OneOpinion – This site has a stronger screening process than most and pays out on its point system. With a 25,000 point or $25 cash out minimum, this survey aggregator is also worth checking out.
  • Harris Poll Online – This is one of the largest and oldest polling websites. It pays out in electronic gift cards in exchange for points. Surveys can often ask personal questions, including religious or moral beliefs.
  • Valued Opinions – This company specializes in broader demographics. Users receive vouchers that are typically about $10 per hour.
  • VIP Voice – VIP Voice has a high payout rate but limited options as prizes. Expect mostly auction items in exchange for points as well as sweepstakes entries but guarantee that you’ll receive anything in return.
  • OnePoll – This site is best known for its quick surveys and myriad topics to choose from. The minimum reward is about $45.
  • Panel Opinion One of the most popular survey sites on the market. Users receive cash via PayPal or check in exchange for surveys. The minimum payout is $10.
  • YouGov – This site pays about $0.50 per survey. YouGov is unique because it focuses more on social issues such as politics.
  • PanelBase – This should be on your radar if you’re looking for fewer surveys and a higher payout. The minimum reward threshold is $10, and most surveys pay at least $1.50.
  • Hiving – With a minimum payout of only $4, survey takers earn about $0.50 per minute on average. There is a referral bonus, as well.
  • Survey Bods – This site pays out in money, Amazon vouchers, and prizes. Most surveys take about 10 minutes and pay up to $3.
  • The OpinionPanel Community – This UK company accepts anyone age 13 to 30 and surveys on behalf of universities and large brands. These 10-minute surveys pay out about $1-2.
  • MindMover – Most surveys with MindMover take about 15 minutes and pay up to $1.50. It is known to take a long time to reach the minimum reward threshold of $20.
  • iPoll – iPoll is known for its mobile compatibility and has many opportunities to earn. The minimum reward threshold is $20, and most 15-minute surveys pay about $0.50-1.50. May have a limited amount of surveys available.
  • PopulusLive – The UK-based site provides statistics to the press and other clients based on its users’ surveys. The high payout limit of $50 can be difficult for users to reach.
  • New Vista Live – Owned by Walnut Unlimited, New Vista Live is open to UK residents 16 or older. Users take surveys and can enter sweepstakes in exchange for points. One hundred points are £1, but the minimum cash out is 5,000 points.
  • CashCrate – This site has a straightforward point system when it comes to trading them in for money, but a confusing process to deciding if a survey is going to pay out in the first place.
  • Crowdology – Crowdology offers money for every survey a user completes. They are known for having an excellent customer interface, but it has had a lot of reported glitches.
  • Survey Savvy – This is one of the few survey websites available worldwide. The minimum payout is $1, and they have a user-friendly app.
  • Zoombucks – Zoombucks allows users to redeem their points for cash or online gift cards with a minimum payout of only $3.
  • MintVine This company is now called Branded Surveys.
  • Branded Surveys – This company has a minimum threshold of $10 to payout, and users receive either money or gift cards. They are known for having a high volume of surveys.

The post Ultimate Guide to Taking Surveys for Money ($$$) Best Paid Surveys in 2020 appeared first on Your Money Geek.

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My Experience with a Timeshare (Wyndham) Sales Team in Vegas



I'm writing this because the Reddit threads on this topic are outdated and more people should know what I now know about the "new" timeshares. This is what it's like to be on the receiving end of a Wyndham timeshare sales pitch. Here goes:

I vaguely knew what I was getting in to. My girlfriend and I arrived at an MGM owned casino. We get a bite to eat and as soon as we began our exploration of the Casino someone approached us offering vouchers for free play in the casino worth $75. I'm usually hesitant to ever get sucked into something like this but my girlfriend insisted that we do it. "They give it to you for showing up, we'll just say no, I've got friends who did this too, etc." I went along and decided to keep an open mind about it.

We talk to this guy who convinces people to attend this "seminar" for two hours and you'll receive the vouchers, plus a hotel room for a few nights from a selection of locations, plus free breakfast. He insists that all you need to do is say "no, not interested" once the 2 hours are up and you can just leave with your vouchers. Obviously his incentive isn't to sell anything but fill the buses with as many people as possible.

The next day we get on the bus to the seminar location. My initial thought was that we'd all crowd into a room and watch some presentation before given the opportunity to bounce. I was caught off guard when every couple was assigned a salesperson. We meet our salesman and he immediately compliments us, is incredibly impressed by any of the words we string together, and has now become our fake best friend.

We go into the presentation and the speaker does his thing. And everyone here should be aware that much of what he said was true, but his conclusions were abhorrent. He pointed out that in America we do not use all of our vacation days. We tend to waste them. We are also constantly putting off that one trip to our dream destination to "someday", but "someday" never comes. Next, he points out that most people, dying people, regret working so much and wish they spent more time with their families. These are true facts.

But then he concluded by suggesting we should all buy into this program which will allow us to take these dream vacations. It was the kind of sound financial advice you'd expect from someone who would directly benefit from the purchase and would never hear from you again.

I want to note, the speaker was talented and entertaining. He was loaded with jokes, self-deprecating humor. It was funny, but holy shit. Looking around the room were the salespeople with the obnoxious fake laughter. They saw this probably a hundred times. It was creepy. It was surreal. 1/3 of the audience was in on the sales pitch.

The salespeople used every joke as an opportunity to measure the responses on the faces on their paired couple. The speaker would crack a joke and all the sales people would simultaneously throw their back out laughing before turning to the couple they were with to see if they were laughing too.

There were no opportunities for me to speak with my girlfriend without the salesman eavesdropping. The presentation moved fast enough that looking anything up seemed like too much of a distraction. As skilled as they seemed at controlling my behavior, the whole thing was throwing up red flags.

Anyway, the presentation ended and our salesman led us to a table. On the way over there were other couples sitting out in the open with their assigned salesperson. They seemed excited about what they were hearing and excitedly signing papers. It was…weird.

We sit down and the salesman goes through the program in more detail. Here's where I get genuinely turned off. I work in IT, I'm about to finish my bachelor's degree, I don't think I'm a sucker but my love of science puts me at odds with a person who's giving me overwhelmingly biased information. He reiterates all of the great things about this program. He turns to my girlfriend, "what do you think about that?" "It sounds great!" Then he turns to me. "And what do you think about that? Is it something you'd want to do?" And I reply "Depending on the cost, yes, I'd do it!"

Next, he has us estimate the cost of a hotel we normally pay for. Then he asks us how many vacation days we take per year. This is fine and easy math. If the average cost is $115 per night, and you take 10 days, it's $1,150 per year in hotel costs. The "program" (timeshare but they completely avoid the term) lasts 20 years. It's still vague at this part but the salesman insists on focusing on how much we are gonna pay for these hotel rooms over the next 20 years.

Cost per year multiplied by 20 years is 23,000. But that's not the equation they're doing. They're not accounting for interest! Ah! It would be more over that time! How much does it really cost? About $250,000. They estimate that the hospitality industry has an inflation rate of 11%!! Everyone should have it ingrained in their heads that inflation across the entire economy (in America) has been around 3% per year.

He was willing to tinker with the numbers but, generally speaking, we're spending a fuck ton of money on just hotels according to their calculations. And any close observers would note that the number should have been much lower. $1,300×20 years×1.120=$174,914.99. I could have been wrong in my calculation but their cost estimate was obscenely high.

Then he asks if we have any more questions. Uh, yeah, how much are we talking about here? They never mentioned up to this point how much it costs! But I'm skeptical and the questions I'm asking are things like how do you actually book a vacation? What happens if I change my mind about it? Is it transferrable? The salesman doesn't know the answers to these questions so a higher level salesman comes over. He's very happy to meet us. He loves the outfit I'm wearing. He compliments various other features and, with the limited amount of information I've provided, seems completely ready to compete with the other salesman for the title of my new best friend.

He answers some of my questions but can't provide any documentation to back up his claims. They still won't provide a price but they hand an iPad to my girlfriend to start filling out personal information. I look over and as soon as I see there's a field for the social security number I damn near slap it out of her hands. They were literally going to do a credit check to see how much the cost would be for us! Huge red flag for me. First, the inquiry shows up on your credit report. While that may not be so bad, I want to be informed on making a purchase and at least know a price range before taking that kind of step.

This throws the salesman off. Apparently, no one stops at this part of the process. The head sales guy says it's fine, and offers for us to check out a room which would be the type of room we'd be staying in if we join this program. I still don't know how much this program costs. We go and the salesman leaves my girlfriend and I alone to explore at our own pace.

This is where I frantically looked for the Reddit thread where personal finance gurus say "GET THE FUCK OUT OF THERE, THEY KIDNAP REDDITORS LIKE YOU AND YOUR CLONE BECOMES A SALESMAN". I found a few threads, and they did warn against this, but they were at least a year old and it didn't all seem timely.

I couldn't find costs online either, so I thought to myself "how much per month would I be willing to pay for something like this?" I concluded $45 per month. But I still had misgivings about making a big commitment on such short notice when I couldn't even read anything like a contract. I'd rather go home and read independent reviews so I can be confident in my decision. I couldn't get to that point.

Once again we end up back at the table but this time the salesman has a laminated piece of paper with prices on it! I immediately I see huge numbers and realize why they waited so long to show it. They wanted approximately $130,000 for the total program. It would be $13,000 down to get started, and almost $500 per month.

(Note: when I did the math later, the actual cost we'd likely pay is around what they wanted for the program. But we'd be paying a fortune upfront and have a monthly payment. We could only go to where Wyndham had properties, which was in America or Australia or some islands, but if we wanted to go to Europe it would be through RCI, which cost about $300 per week. That's about the cost of an AirBnB in some locations, so if you're a smart traveller it may not be worth it at all.)

"Would you rather pay this?" The head salesman circles the $174,000. "Or this", he circles the $130,000. Ooga not want pay big number when ooga pay small number instead. I didn't want it. $45 dollars was as high as I'd go.

This is the part where they tried to pit my girlfriend against me in an amateurish attempt at manipulation. First, they go through the list of everything we ever told them about what we liked about the program (before we ever heard a price). They even sneak in a "you should be willing to sacrifice something for it" and gave a few examples like eating out less or having fewer cups of coffee from Starbucks. So I'm telling the salesman that this is way too expensive and once again the head sales guy shows up. He says things like "I thought you said you liked the program? You said it was a 10/10. Are you saying it's not a 10/10? You said you'd be willing to sacrifice for this!" He was getting irritated. Then he turned to my girlfriend and says "it doesn't sound like he's as rich as he says he is". At this point I was infuriated. Best friends don't say things like this to each other. But I held my cool. I looked him dead in the eye and firmly said "I'm gonna pass".

But damn, the manipulation didn't stop and they didn't give up. They leave us alone to fill out a brief survey with a guy who definitely doesn't sell anything. So this guy shows up, introduces himself, and asks us about why we didn't buy it. I was truthful, it was too expensive and I wasn't willing to spend all that for it. I also felt pressured to make a big commitment on something that hours earlier I knew nothing about. So then he offers to sell us a "trial" program. It's a fraction of the price and it only lasts two years. It starts to be appealing, but then it is also limited to certain locations. I ask to see the contract and the guy says "what do you want me to do, sit here and read you a contract"? At that point he gets frustrated and offers to walk us to the exit. It had been 4 hours. We get our vouchers and leave.

Tl;dr: it would have been a bad financial decision.

submitted by /u/Kildragoth

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