Review Is Investor Pilot Legit Or Scam

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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.

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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:

Bill Negotiation

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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Opinion Outpost Canada Review: Is this a Legit Survey Site or a Scam?

Posted by Enoch Omololu | Updated on Jan 5, 2020 | Personal Finance | 0

Opinion Outpost is a paid survey site available to residents of Canada and the United States. There are many ways to make money online and taking online paid surveys is one of them. Other survey sites that are similar to Opinion Outpost are Swagbucks, Survey Junkie, and Pinecone Research.

While survey sites will not make you rich, you can earn a decent amount of extra cash from them every month to supplement your regular income. If you are interested in learning more about other surveys that pay, check out my post on the 35 best-paid survey sites for you.

Is Opinion Outpost a legitimate survey site? Is it a scam? Read on to find out!

Table of Contents

What is Opinion Outpost?

Opinion Outpost is an online survey panel that is owned and managed by Survey Sampling International. Survey Sampling has been around since 1997 and operates in 18 countries. They have their corporate headquarters in Shelton, Connecticut, USA.

Market research panels like Opinion Outpost connect businesses and brands with their customers who provide them with useful information that inform the products they bring to market. As a panel member, you are rewarded for the time you spend on sharing your opinions.

In addition to completing surveys, you may also get opportunities to test products and are paid to do so. Sometimes, you even get to keep the products you review!

Opinion Outpost Review: How Does It Work?

Similar to other popular survey sites, when you join Opinion Outpost and complete your profile, you become eligible to take paid surveys. These surveys can cover a variety of topics including politics, sports, electronics, medicine, appliances, food, and more.

When you qualify and complete a survey, you receive points that are convertible to cash!

Opinion Outpost Sign Up

Signing up to become a member is easy and takes only a few minutes in total. To get started, follow these steps:

1. Sign up here: Canada residents or U.S. residents

There is no fee for joining and you can use your email address to sign up or just open an account with your existing social media accounts such as Facebook, Linkedin, or Google Plus.

2. Complete your profile: After joining, you will receive a confirmation email in your inbox. Click on the link in this email to move on to the next step which involves completing a short profile survey. Completing this step is important as it determines whether or not you receive and qualify for surveys later.

3. Start earning! Opinion Outpost does not currently offer a mobile app for your smartphone or tablet, however, you can still visit their website using your phone or tablet to take surveys.

How To Earn Money With Opinion Outpost

Taking surveys is the main way to earn on this site. They send you survey invites through email typically on a daily basis. The more surveys you qualify for, the more rewards you earn…in points.

Individual surveys take between 5 to 25 minutes to complete. For short surveys, you can expect rewards starting from 5 points, and this increases up to 50 points for longer surveys.

1 Opinion Outpost Point is equivalent to 10 cents, meaning that you can earn from 50 cents to $5 per survey. The tricks to getting invites for top paying surveys is to ensure you:

  • Complete your profile
  • Answer surveys honestly
  • Don’t be in a rush

In addition to surveys, Opinion Outpost also hold prize draws that give you an opportunity to win cash prizes of $10,000 (U.S.) or $1,250 (Canada) every quarter.

Lastly, when you refer friends to join the site, you earn $0.50 per friend up to a maximum of $5.

How To Redeem Your Opinion Outpost Rewards

The minimum threshold to cash out your points is 50 points ($5). This is equivalent to $5 and can be achieved by just completing 1-2 surveys.

Options for redeeming your points include:

  • PayPal: minimum of 100 points ($10). This is the options for you if you want to receive cash.
  • Amazon Gift cards: 50 points ($5)
  • iTunes Gift cards: 50 points ($5)

Is Opinion Outpost Legit or a Scam?

Legit or Scam? That is the question.

I believe that Opinion Outpost is a legitimate business, however, I have to note that user complaints have increased significantly in recent times. A look at their rating on Trust Pilot is not too shabby at 7.9/10!

It appears that users have become more concerned about their accounts getting suspended. Many also say they are unable to redeem their rewards. While some of these accounts may have been shut down because they provided misleading information or were trying to game the system, it is difficult to point out what the main issue is.

Opinion Outpost is not currently rated by the Better Business Bureau (BBB), and this may be concerning to some.

How To Make Money Online

There are many ways to make money online and from the comfort of your home. Some of the options worth checking out include:

1. Blogging : You can start a money-making blog like this one and make real cash every single day. The capital outlay you require for starting a blog is minimal. For example, you can obtain web hosting for as little as $3.95/month from Bluehost.

2. Paid Surveys : It is possible to earn up to $500 per month from paid survey sites. However, you will need to ensure you join the right ones. Some of the best-paid survey sites I recommend include:

3. Work From Home Jobs : There are numerous work-from-home jobs that pay well and require very little start-up costs. Check them out here.

Is Opinion Outpost Worth It?

While some surveys pay better than others, no survey site will pay you enough to quit your day job. If you are doing surveys during your spare time, they can provide an additional source of income every month.

At the end of the day, whether a survey site is worth your time or not depends on what else you could be doing with your time and how much you are getting paid. One strategy for earning a decent amount from surveys is to sign up for as many as possible and then later trim down the number to the 3-5 that work for you.

Opinion Outpost Review


Opinion Outpost is a paid survey site available to residents of Canada and the United States. There are many ways to make money online and taking online paid surveys is one of them. Sign up below to start earning!

Egifter Review – Is Legit, Scam or Safe? | Complaints

Egifter review is the review of Egifter that reveals if Egifter is legit or scam, real, safe or fake. And also Egifter complaints and feedback from members are reviewed. Are you looking for the best Egifter reviews? If yes, this review is for you

What eGifter is all About?

Egifter is a Huntington (New York) based private, retail and E-commerce site that assists in making purchases of gift cards online easier. The beauty of it all is that also has its mobile app which makes sending gifts to other users faster and simpler. More than 200 well-known brands in United States such as eBay, Banana Republic, GameStop, Toys R Us, CVS, Fandngo and Amazon purchase digital giftcards from Egifter and also they are also well represented on social media platforms like Facebook. Some of these giftcards can be purchased from Egifter using bitcoins.

There are about 4 Eifter Product; they are

  • Egifter
  • Egifter for Marketplace (Mobile and Web) – This helps in facilitating conversions of crypto-currency.
  • Egifter Registry – This helps to take inventory of social and group gifts by adding them to wishlists, and turnkey solution.
  • Egifter for website – this helps to promote marketing to between friends.

Other features of eGifter include;

  • Ability to accept credit card payments
  • Ability to personalize your messages, animations and videos to suit the special occasion intended for.
  • Ability to make online purchases
  • Ability to choose the most suitable method for sending your messages.
  • Ability to choose from more than 250 gift brans.

How Egifer Works

Before you can send someone this eGifter card, you need to;

  • Visit either their mobile app or their official site using eGifter.comfirst.
  • After opening the eGifter page, you can then choose to either open an account with them using your email or sign in using any of the social media platforms listed there.
  • Thirdly, you can proceed to selection of the gift card brand of your choice as well as the dollar amount.
  • After which you can add the name of the recipient and choose any method of your choice for sending it. These methods of sending includes, social posts, email or text message.
  • Attach your message, and state the date and time you will wish the recipient to receive it.
  • After attaching these messages, you can then select any payment option that is convenient for you and make payments. Your recipient will receive the gifts on the date specified on your card.

Apart from you sending messages, you can as well make it open for friends and well-wishers to attach their messages as well. This is achieved through group gifting option.

Below is how you can use group gifting.

Group gifting

To use group gifting, first of all, you will have to begin a group gift, choose the gift type. After doing these two things, the next is to include names of recipients. Families and friends start to donate as the group launches.

These gift cards and wonderful messages are being sent to the special recipients on the specified date as a surprise package. These packages may include video or photo greetings, animated greeting, and also eGifter offers you points which can be redeemed for free gift cards anytime you make purchases using eGifter.

Feedback and Complaints:

Here are some feedbacks from users about eGifter, after a brief research

Zalon Says:

This app is just about the best I’ve ever used. It helped me make some savings through the discounts I got as a result of purchase from some of their stores. I got to escape credit card charges by making purchases using Bitcoins as it is linked to my eGifter. They have offered immediate services to me which makes them trustworthy.

I don’t have any complaints to lay since I’ve never had any problem with them. But I do have some suggestions for them which I think would make them better, and that is providing opportunity for one to make multiple purchases of gift cards at once.

Kiadir Says:

I don’t like this site because they have made me lose my $54. I purchased a gift card with my bitcoins but never received it and when I tried contacting them, they had me fooled by saying it’s in my wallet. Checked it and saw nothing.

Their customer service is very poor and unprofessional, I just suggest they should improve and make sure people’s purchases are delivered.

Ladon33 Says:

Initially I had trouble getting the eGifter app to work but their support team provided a very efficient help to me. I love them. Have never had issues with them ever since

Hycent Says:

They were just my last minute saving grace and I loved the services that were rendered to me.

Jaden Says:

I was able to make playstation plus purchases and got the code within 2 minutes, and it worked. Great site it is.

More of Egifer

They came into business in 2020. Egifter is a company that has many investors and organizations funding this company, they include BDS Capital, Angel Network, 94Bits, Angel Dough Ventures among others. Also, this company partner with retail dealers like Pottery Barn, Applebee’s and American Eagle Outfitters. It has more than 50 employers working under them with their CEO as Tyler Roye.

These gift cards can be stored on eGifter once you scan and upload it to them from your wallet.

Their headquarters is located at No 315 Main Street, 2nd Floor, Huntington, NY 11743.

For more inquiries, you can contact them on their Phone Number using 516-882-1200, via their social media platforms using and also through their email address using [email protected]


eGifter provide a wonderful opportunity to show your loved ones how much you care even though you may not be with them physically. Giving gifts for weddings, birthdays, holidays has become as easy as you can think of and much simpler with eGifter with the fact that they have provided so many bands to help you make the most suitable and perfect choice. Another great advantage of eGifter is that the reward you with points the more you make purchases of reward cards with eGifter. And these points attract a discount on purchasing gift cards or most times redeemed for a free gift card.

eGifter is can pass as a last minute saving grace for immediate response when you almost miss your friends celebratios. Just send a gift across within few seconds. It is compatible with Android devices and the app is available on Google Play Store.

Do you have any experience with Egifter? Good or bad, you may use the comment section below to give us your brief Egifter review.

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