Planning For Wealth

Everyone arrives someplace. Few get there on purpose.

August 9th, 2007

CashCrate

What Is CashCrate

CashCrate is one of many “Get Paid To” web sites found on the internet.  CashCrate pays you to complete online surveys or try new products or services.   There are hundreds of surveys available with new ones arriving everyday.  You can earn money through completing surveys or their their referral program.

How Does CashCrate Work

Companies need people to try their products or review their websites or services.  CashCrate gets paid by these companies for our participation; passing 75% of their money back to us.  Many different types of surveys are available.  You choose the surveys you want to complete.  Next to each survey is the compltion criteria and how much you are paid for dong the survey.  After selecting a survey a new browser window is opened sending you to the surveys website.  After completing the survey you go back to the CashCrate website and submit the survey as completed.  The amount paid by for the survay is credited to your pending earnings until CashCrate can verify with the company that the survey was actually completed.  Some surveys will also earn you points which can be redeemed for gift cards from the CashCrate Prize Shop.

Getting Paid

You will get paid for any month in which you have verified earnings of at least $10.00.  Payments are processed on the 20th of te following month.  So your $20.00 earnings from July will be mailed to you on August 20.  CashCrate does not currently support ACH or other forms of electronic deposit.

Referral Program

CashCrate uses a two level referral system.  The first level is people you directly referred who create a new account.  The second level is people you direct referrals refer.  You receive a portion of the income earned by your direct and indirect referrals.  Also, the amount paid comes out of CashCrates pockets, not the pockets of you referrals.  The table below shows what you make per level.  Also, noticed that the amount earned goes up with the more referrals you have.

Level Active Referrals 1st Level 2nd Level
Bronze

0

20%

10%

Silver

50

25%

10%

Gold

150

25%

15%

Platinum

300

30%

15%

Elite

500

30%

20%

You’ll also receive a $3.00 bonus for each referral who meets the $10 minimum payout.

Who Can Join

Anyone can join CashCrate as long as they are at lest 13 years old.  People of countries outside the United States are welcome to join.  However, most surveys are in English so language may be an issue for some.

Tips For Using CashCrate

  • Use two different email addresses.  Use you main email address when you sign up for CashCrate.  You a different email when doing surveys.  Be aware that the survey providers have started rejecting email address from 2prong, private phone and other disposable email addresses.
  • Don’t use the old gmail dot trick.  Some providers assume the email is fake if they see a dot in the email address and are rejecting these surveys.
  • Don’t do the same survey from multiple sites.  Keep track of what surveys you complete, especially if you are doing them from multiple Get Paid To site.  Providers get upset when they get the same info more than once and may reject all surveys with duplicate info.
  • Read the forums.  There is a lot of good info on the CashCrate forums.

making extra money

August 7th, 2007

The Total Money Makeover

I picked up a copy of “The Total Money Makeover: A Proven Plan for Financial Fitness” by Dave Ramsey at the library a couple days ago.  I have hardly put it down since.  Dave Ramsey does an excellent job presenting his methods for a Total Money Makeover.  He provides many real life testimonials from every day people like you and me that he has helped since he did his own makeover.  He provides several worksheets at are easy to use and comprehend. 

In the “The Total Money Makeover” Dave also does a good job breaking down many myths about money and debt.  His discussion on “Keeping Up with the Joneses” will be an eye opener for many who read his book.  Daves presents seven simple baby step to follow and his reasoning for each one.  While the seven steps (listed below) are simple to understanding they will be hard for many of us to implement.  He wants us to change our behavior and attitudes towards money and debt so we don’t fall back into the same traps that got use into financial trouble in the first place.  As Dave puts it we need to focus on the plan with “Gazelle Intensity”.

Dave baby steps for a Total Money Makeover are:

  • Baby Step 1: Save $1,000 cash as a starter emergency fund
  • Baby Step 2: Start the Debt Snowball
  • Baby Step 3: Finish the Emergency Fund
  • Baby Step 4: Invest 15 Percent of Your Income in Retirement
  • Baby Step 5: Save for College
  • Baby Step 6: Pay Off Your Home Mortgage
  • Baby Step 7: Build Wealth

If you are serious about getting out of debt or just want a boost in staying focused on your financial goals then pick up a copy of “The Total Money Makeover: A Proven Plan for Financial Fitness“.  You will find reading this book for the first time or reading again time well spent.

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