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Month: January 2017

Is Credit Karma a Scam? The Ultimate Credit Karma Review

Is Credit Karma a Scam? The Ultimate Credit Karma Review

Everybody knows that there is no such thing as a free lunch.  So when I found out that Credit Karma offers free credit score, here is what came to mind first!  Is Credit Karma a scam or a legit service company? And so I had to find out where the truth lies.

Is Credit Karma a Scam

Company: Credit Karma


Owner: Kenneth Lin

Overall Ranking: 4.1 points out of 5

Who is it for: Everyone

Is Credit Karma a Scam or a Legitimate Service Company?


I am sure you have heard the old saying that if something is too good to be true, then it probably is. So, because you want know how reliable Credit Karma is,  you do a quick search credit Karma online. By the way, not everybody is going to spell credit Karma correct.  Typing Credit Karma or Credit Carma or even kredit Karma into search engines produce different results. And so you still ask yourself is Credit Karma a scam and how genuine their service is. offers free credit scores and reports, really?  Yes, they do!  Credit Karma is a legitimate service that is being used by over 60 million members as of November of 2016. It is recently growing its reach to Canada. This is a genuine company with an equally legitimate business model and it has actually been around since 2007.  Credit Karma is based in San Francisco, California.

This company is digicert certified with a strong history of complaints and responses through BBB, which is reassuring, if anything.  Credit Karma offers tools to help with your personal finances such as spending wisely, etc.


Is Credit Karma Really Free?


In a nutshell, yes. Credit Karma really is 100% free. And so to answer the question, is Credit Karma a scam or not, here is what to know.

Unlike other credit score companies that claim to be free then ask for your credit card, Credit Karma does not at any time ask for a credit card – that is only if you want to use their free services.

When signing up for Credit Karma, you are asked for your social security number, which is typical by the way. However, if you want to take advantage of their other services such as free credit monitoring, subscriptions and what else have you, you do pay.

Even though Credit Karma offers free credit monitoring service which is to let you know when something fishy is going on with your credit, you do have to pay Credit Karma to find out what it is and how to fix it.

Anyway, some of these other companies only mean it’s free for the first month then after that, they make a monthly charges you are not ready  for. That is why they ask for a credit card in the first place.  Therefore, without your credit card, there is really no way credit Karma will be charging you, knowingly or unknowingly.


How Do they Make Money?


Is Credit Karma a Scam or else how do they make money? If it is free to receive credit Karma credit score, then how is it that they make money and run their business?  Credit Karma makes their money from ad-based offers.  They have numerous targeted ads that to be honest could be annoying. But if anything you are allowed to choose whether you would like to receive the offers or not.

Credit Karma believes that everybody should have free access to their personal data file.  It provides you resources to understand the health of your finances based on your personal credit file.

You all know how having a  good credit score is the best thing that can happen to you.  Because whether you want to apply for a car loan, house mortgage and even borrow money to start a business, you are judged or approved/disapproved based solely on your credit score. Anything else hardly matters!


Is Credit Karma Safe to Use?


Is credit Karma a scam? I guess, I have not answered the question yet…Doing  business online is risky, whenever you are dealing with your credit, the most important thing is privacy and security. Credit Karma can be said to be very safe and can only be identified using your social security number.

In addition to that, their accounts are read only, there is no credit card information to be stolen and they are independently certified by digicert.  There is really no Credit Karma scam to mention.


The Benefits of Using Credit Karma


TransUnion credit score and report- This is regularly update and you are able to see how the charges you make impact your credit score. You are also able to see how the score compares nationally, and are able to get an overall grade. In addition to credit score, you also get a report from TransUnion, updated weekly, and you can easily monitor it and correct errors at anytime.

Equifax credit score and report- Credit Karma offers the Equifax credit score as well.  With Credit Karma, you get free scores from two of the major credit bureaus, which both use they vantage score 3.0 model.  You will also have free Equifax credit reports.

  • The Credit Karma Tax filing – As of December 2016, credit Karma tax is available to help you file your tax returns for free.
  • Credit score simulator – this is one of the best features because you are able to simulate how taking certain actions can impact your score.
  • Credit factors report card – this is one of the useful features you get from Credit Karma.  You can see a grade on all the factors that go into making your credit report: payment history, credit utilization rate, total accounts, credit inquiries and derogatory remarks.
  • Free credit monitoring – With Credit Karma, you also get a free credit monitoring in addition to all these other benefits.


How Accurate Is Credit Karma?


By “accurate” most people want to know if the score they receive is accurate compared to those offered by FICO.  The experience may vary but Credit Karma also uses TransUnion and Equifax and if there would be a difference from that of FICO, it would be a 1% spread, which does not make that big of a difference.


Credit Karma Score vs. FICO Score


Credit Karma score is very different from FICO.  While Credit Karma is an independent website that among other things offers its users free access to their vantage 3.0 credit score. FICO is a credit scoring company and its eponymous scores are the highest vantage competitors.  So, which is one is better?  Well, neither, or more like the one that is free and updated more frequently.


Credit Karma Complaints


One of the most Credit Karma complains is that their credit score is not real FICO score. It is a vantage score 3.0 but what most people do not realize is that it is based on their actual credit report data.

It is good information because you get to know when your score is going up or down. The other complaint you will get about Credit Karma is that there are too many offers in the interface once you log in the interface.


Bottom Line: Is Credit Karma a Scam


By federal law, you are allowed to get your real free credit report from each of the three nationwide credit reporting companies on yearly basis.  This means every 12 months you receive your credit report without paying a single penny from TransUnion, Equifax and Experian.

However, you do have to request it through the annual credit report service which is the only source authorized by the federal government.

It is true Credit Karma offers free credit report. However it makes money by offering other tools and making suggestions to improve credit score based on your credit profile.

Is Credit Karma a scam? No! This is a useful service that should be given a try because you will be getting for free what other companies charge at a monthly fee. Free Credit Karma credit report is given when you use Credit Karma service.

Please share your comments down below!





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What is niche marketing and How To Make Money Within Your Niche

What is niche marketing and How To Make Money Within Your Niche

Too often many people fail to earn any income online. Why, because they do not take the time to identify and select a specific (targeted) niche market to be in. So what is niche marketing and how to use it to make money?

What is Niche Marketing and how to dominate your niche

What Is Niche Marketing and How to Get Started?


Being in the right niche market is going to help you open your eyes to an unlimited possibilities. Being in specific niches is what makes affiliate marketers succeed among other things.

Because, you see, not all the niches are the same nor profitable. Some people might say that all niches are profitable, but that’s not at all true! Steve Olcher simply put it this way :

“The riches are in the niches.”  – Steve Olcher, Internet Training Guru! 

If you want to make a fortune online, you have to do your homework and identify a profitable sub-niche.  A profitable sub- niche for you is one which you have passionate interest and can build expertise in to stand out among your competitors.

By building an expertise, I mean you need to have some knowledge of your subject area but you do not have to start off that way.  Over time this gives you a competitive edge and you become lead authority.

Therefore, don’t ask what is niche marketing and how to get started. Your hobbies and interests are the best online niche markets for you. Because niches are what you are involved in and consume.


What Is a Niche, Exactly?


A niche is a very distinct segment of a big market. Niche markets are all over around us.  If you pay attention to your personal interests, your family and friends, you see that they are different.  So, your passions and hobbies represent potentially a niche!

At present, more and more people benefit greatly from starting online businesses.  They enter a market but instead of getting profits fail to leave dreams of easy income far behind.  Although internet marketing business is almost free and is of great convenience to the marketer, some reasons make people come to nothing.

Knowing what is niche marketing and how to break down a niche into a sub-niche, is valuable. 

Niche Marketing – is to create and focus your online marketing efforts on small yet specific and well defined segment of the population.

It is like cutting out a piece of pie and just give attention to that particular piece instead of the whole pie.


Get Ideas of a Potential Niche Market


So, where can you get some ideas? Start with your hobbies and pastimes.

  • Visit Discussion Boards

Consequently, one of the major things lying at the root of success in the internet marketing is choosing your method to find a profitable niche market. You can go on discussing boards such as to find out what people are looking for.

  • Google Trends

By using Google Trends, you get to see the general direction of change on any topics. It shows you chart of most searched real world people. Google Trends helps you decide which topics to stay away from and which ones you should dive into.

  • Use Keyword Niche Tool 

Discover using keyword research software what are the most popular searches on any given subject.  Pay careful attention, so you are aware of new movements and trends.

To  find a niche, you should remember that successful money making process is based largely on your personal concern and enthusiasm towards the new ideas. Therefore when picking a profitable niche, choose something you know about or ideally interests you.

If not, it will be too difficult to develop new concepts and promotional campaigns and finally, to make your business work profitably.

Also, be careful when choosing your niche and don’t rely on products or services offering big money only but not go along with your inner expectations.


Test a Potential Niche Market


The people that read your thread can be used to determine how individuals are responding to your idea by polling them if the internet marketing discussion boards will let you do that.

See how people respond if you are thinking about launching a product by doing a pre-launch. Low cost solutions can be used to test if you have the idea of promoting the products through niche affiliate marketing programs.

Approaching your online business just like any other job is a crucial mistake.  So, once again, be passionate about what you are going to sell.  The next important point for consideration while choosing on how to find profitable niche market is keyword research.

  • Keyword Research Test

It is obvious that focusing on some particular target market, a market has to specify the exact words or phrases people type into search engines to find a certain product or service on the internet.

Keyword research test

Thus, conduction a keyword research, it becomes clear what words people use to complete their search.

Also, it allows discovering an actual interest in a product you will be selling and words, which are most commonly used for a particular group of products and services.

Niche customers are knowledgeable and passionate about the niche products and or services address.  So be sure to understand and speak their language.


What to Do After You Find Profitable Niche Market?


As soon as you attain this information, you market activity and know the demand and supply level. What you are looking for are the words with high demand, low supply and, finally, profit potential.

High demand stands for some internet searches using your keywords. The higher the demand, the more visitors will find your website attractive, and consequently, increase the probability of successful sale. However, high demand could mean stiff competition.

Low supply is about the popularity of your keywords in respect to other websites targeting the same terms.

Remember, that your chances will be more viable, if your wording has low activity among your niche rivals.

In that case, you are supposed to be ranked better in search engines and provide positive traffic to your site. And afterward, profit potential reveals the affiliate programs or other ways a market can benefit from his website.

Also, setting up a newsletter maybe considered by some while launching a report or video series or a full on e-book maybe considered by other for their niche.  You can easily use niche marketing to earn money in so many ways, but it’s not possible to tell which one is the best.

It won’t take much time and effort to know how to find a profitable niche market from internet marketing.  But if you want to succeed with online business, spend some time and find it. When done right, it is very easy to do niche marketing.  If you do research, test the products in the right way and use different methods to promotes them, you should be on your way through conquering the niche marketing field in no time.


How To Earn Money From a Niche


There are many ways to earn money from a niche.  For example you can create your own product to meet the needs or wants in your niche.  Or, you can become a publisher and work with affiliate programs.  This allows you to promote other people’s products.

Amazon Associates program lets you promote anything on its website and pay you a commission. This is also known as affiliate marketing.

You now know what is niche marketing and how to get started! So take the next step!


I want to hear your thoughts /comments. Any questions relating to niche marketing, please leave them below!

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what is online or affiliate marketing

what is online or affiliate marketing

What is online or affiliate marketing?

Internet opens doors of opportunities for people to earn a living by working from wherever they are in the world.  And so the most noteworthy is online marketing / affiliate marketing. So what is online or affiliate marketing, anyway? I am glad you asked!

What is Online or Affiliate Marketing?


Well, the truth is some people hear affiliate marketing, and they freak out.  Why, because I guess the words sound scary but are really not!

So, to do affiliate marketing is to promote other people’s products and services through affiliate programs.

As a matter of fact, here is how Wiki defines…

What is online or affiliate Marketing


As an affiliate, your number one job is to send traffic to the merchant’s website. Therefore if someone buys or performs some type of action you get a commission. Commission earning varies and depends on the program. So who can do online or affiliate marketing?

Is Online or Affiliate Marketing for Beginners ?

Yes – it is that simple! Online marketing is one of the best ways to generate a passive income from a home. Anybody can do it. However, to become a successful online affiliate marker takes time, effort and commitment. Thus having the following items greatly increases your chance to succeed.

  •  Proper training course
  • Tools
  • Support
  • Mentors/ personal coaches

Of course ability to network with other online marketers helps a lot.  Wealthy Affiliate University (WA) teaches and provides you with all the stuff you need for online affiliate marketing. It is all in one package.  It trains and gets you ready for online success. With WA, you earn while learn. Read my own review on WA


What is online or affiliate marketing

4 Top Tips on Affiliate Marketing Success

Affiliate marketing is not easy and should be taken seriously.  Some people fail to realize their dreams as affiliate marketers mainly because they expect to make tons of money overnight.

Truthfully though,  there are many people generating income stream through their internet marketing websites and of course blogging platforms by finding affiliate program that goes well with their brand.

Not all products are created equal. So, here are some tips for you to become a successful online affiliate marketer:

  • Promote evergreen products

These products never go out of style.  Therefore they are relevant today, yesterday and will be in the future. For example, relationship, weigh loss, self help, finance,…

Evergreen products make it convenient to write both your campaigns and website content.

  • Pick and stick with hungry niche

People in this niche are ready and willing to buy. They also want to hear what you have to say. So Find a niche that you can speak the same language as your audience.

Don’t forget!  Most of all consumers in a niche tend to be knowledgeable about it.

  • Don’t pick products to promote based alone on HIGH price

Just because a product has a high price, it does not necessary mean the commission will be high. Also, high ticket items may not sell well.  So make sure the products you pick sell well. There is not point in promoting products that won’t move quickly.

  • Promote products you would use yourself

As an affiliate marketer, your goal is to help people. Therefore, don’t recommend products you do not know much about. Let alone products you won’t use yourself.

Find out more tips and benefits of online affiliate marketing

Affiliate Products  – Where to Find Them

There are millions of affiliate products and programs to choose from. All you need to do is just a quick search in Google.  Just do affiliate program + your niche. 

For example, if your niche is hair loss for women, you would type in the following:

Affiliate program + women hair loss

P.S:  Before you join any affiliate programs, do your job and research them carefully. Don’t pay to join affiliate programs.

Both independent affiliate programs and affiliate network have tons of programs to choose from. However, pay attention to independent affiliate programs as they can easily rip you off.

I personally prefer to you use an affiliate network program. An affiliate network is a 3rd party that brings together publishers (like me) and the merchants (advertisers).

Do you have  any questions on what is online or affiliate marketing or are you ready to get started


Advantages of Affiliate Network

  • Simple process for publishers to sign up for affiliate programs
  • Access to huge base of advertisers to choose from

The advantage of affiliate network is huge. Case in point, merchants participating in affiliate networks include:

  • Reporting tools
  • Payment processing
  • Trusted tracking technology

Here are some of the networks that I have used and continue to use: Associates


Share A Sale

The point for what is online or affiliate marketing I want you to understand is that it is very easy to start.  You don’t need to carry any inventory or have your own product.  Yet, the startup cost is very minimal.

So, get started today free of charge.  No credit card required!

Final Thoughts on What is Online or Affiliate Marketing…


Affiliate marketing is one of the best ways to earn income online from a home. While some fail to make money online, others achieve great success.

You now know what is online or affiliate marketing.  Any questions relating to online affiliate marketing, please leave them below.


-Thank you for reading!



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Free online budget Tools – Track, Budget & Manage your money

Free online budget Tools – Track, Budget & Manage your money

Free Online Budget ToolsTo budget is to put a plan in place that’s used to decide the amount of money to spent and how to spend it. Free online budget tools allow you to do just that!

Every year, millions of people set financial goals among other things.  However, shortly after; they lose track of what they wanted to accomplish mainly because of lack of motivation.

Completing your goals requires a lot of discipline and motivation and resources. Hence, in this case, exploring free online budget tools will help you better manage your money. As a result of using them, you will be on right track to financial independent.

Who Needs to Use Free Online Budget Tools?

Using free online budget tools is beneficial to everybody such as students, parents, homeowners, low and high income workers or anyone else who needs to keep an eye on their spending.

Online budget manager gives advantage to minimum wage workers as they are usually on a very tight budget. Free online budget tools are free so they don’t have to worry about any extra bills. Learn how to earn more than minimum wage with proven system.

So, whether you budget on daily, weekly, monthly or yearly basis; budgeting keeps you from spending just because you want to.

But for example, if you live on a tighter budget then it is a must that you put a budget in place to watch every move of your money.  You can not afford to overspend money you don’t have as that will leave you broke or even worse.

Of course, any budget plan works best when you plan well and spend your money wisely. Utilizing free online budget tools are no different. They are there to help you so why not use them then?


So What Are the Best Free Online Budget Tools?

My experience has been that it does not matter what type of online budget tools you use. Some of the free ones work just as well as the paid ones.  The features may be different, but in the end they all get the job done.

Free online budget tools don’t have all the bells and whistles. However they are very simple and easy to use.  That’s why I like to use them. Following is a short list of tools to enhance your budgeting experience.

Best free online budget tools report every transaction you make and give you a monthly report so you know how your money is being spent.

Tips to Get You on The Right Financial Path

Having a vision and a careful thought out plan get you what you want sooner than later. With this being said, you need to be very realistic with your goal. So here are tips to guide you along with free online budget tools.

  • Review your past spending history

Analyzing your past spending gives you an idea of how and where to improve. This will also help you set realistic attainable financial goals.

  • Carefully study your cash flow

See where your money comes from and where it goes after it comes in.  What do you do after you get paid? Are you spending money on unnecessary things? By doing so, you get an idea of how to manage your money so you are not over or under allocating your moneys.

  • Put a budget plan in place

Whether you want to create a budget manually or use any free online budget tools, you get to choose. These tools are available for you to help better manage your finances.

  • Keep a track record of your spending

Once you have a budget plan in place, it is then time to track your expenses. Knowing what you spend money on lets you decide if something is worth spending your hard earned money on or not.

See where you spend and where to save.

  • Take necessary action

You must do what it takes to get what you want.  Because, only taking necessary actions lead to results. If you have to become a bargain shopper, so be it!

Last word on Free Online Budget Tools: 

Free online budget tools are great assets to have as they are simple to use. Some of them have upgraded version, but I see no need to advance to paid version, as free online budget tools work just as well.

Best money management practices are learned and practiced. And so, online budget programs are available to help plan your finances for better future. Local banks provide free online budget programs. Therefore take advantage of them!

For those wanting to start an online business on a tight budget definitely use free online budget tools. Track and manage daily income and expenses.

Share your thoughts / comments below!








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wix website builder Review

wix website builder Review

Wix Website Builder Review

Wix website builder has made  building websites as easy as 1,2,3. With wix website builder all you have to do is click, drag and then drop. So, this post covers review.

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How To Get gofundme donations – Is GoFundMe A Scam?

How To Get gofundme donations – Is GoFundMe A Scam?

Get GoFundMe Donations for a cause

Landing a helping hand requires a big heart! You get GoFundMe donations when people across the world make a huge leap of faith by trusting in your cause. So, with crowdfund GoFundMe fundraising, how do you get GoFundMe donations and for what?

What is GoFundMe?

GoFundMe is a type of crowdfunding.  It is an online fundraising website that allows individuals, groups and organizations to raise money for any particular cause.

GoFundMe allows almost anyone to invest money in order to raise funds for a project or business. GoFundMe receives donations from around the world.  So, how does GoFundMe work and how do they make money?

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