Loyalty schemes are a brilliant and easy way to earn free rewards and offers. Retailers offer customers the incentive of a loyalty scheme which in turn keeps the customer shopping with them. Most of the schemes allow you to collect points on a card in their stores which can then be exchanged for either products, vouchers or offers.
The three main loyalty schemes in the UK:
~ Tesco Clubcard ~
The Tesco Clubcard is a great little treater, especially if Tesco is your main supermarket. You will receive 1 point for every £1 spent in store, online, at Tesco Direct and with other Tesco products such as insurance. If you have a Clubcard you will receive discount vouchers, coupons and offers every few months. You can also use your points to apply for vouchers from a huge range of hundreds of different options from restaurants, days out, activities, travel, cinemas - the list is endless. A few favourites of mine are the restaurant vouchers which you can use in places such as Pizza Express, La Tasca and Bella Italia; cinema vouchers; and theme park vouchers.
~ Nectar ~
The Nectar card is a loyalty scheme which was first introduced through Sainsbury's and has become more and more popular. You can now collect points through hundreds of other stores such as Homebase, Expedia, and even eBay. The amount of points you collect differs depending on where you are collecting them from but most places generally offer 1 or 2 points for every £1 spent. Spending the Nectar points works in a very similar way to Tesco with a wide range of options from shopping, days out and travel.
~ Boots Advantage Card ~
Last but not least on my list is the Boots Advantage Card which is the most generous loyalty card in the entire UK. For every £1 you spend you will be rewarded with a fabulous 4 points and each point is worth a penny. I'm sure most people out there, especially the girls, buy lots of goodies in Boots and the points are bound to add up quickly. Because of the great points offered, I always make sure I top up my phone credit in Boots. I usually spend around £35 a month on credit for both my husband and myself which means I'm collecting £1.40 every month just for topping up. And after a few months that adds up to be a nice little treat to buy yourself. I went into Boots at the weekend and hoped to buy something with my points and found out I had 1,700 points on there - that's £17! I bought all my goodies and still had loads more points left on there afterwards! (See my other review for more information on the Boots Advantage Card.)
Tesco and Nectar also offer loyalty credit cards where you are rewarded for every purchase made on the card which you can use anywhere and everywhere.
Other loyalty and reward schemes include Air Miles, Game stores, and online sites such as ipoints and Greasy Palm.
The BHS Choice Card has been around for ages. Infact it's older then me. Many of you will know about the BHS Gold Card. Well the choice card is exactly the same, except without the credit. It's basically a clubcard version of the Gold Card. BHS stopped opening these wonderful little cards a few years ago, when they realised that if people had a gold card, they would probably spend more. So to stop their profits going, they tried to convert people onto Gold Card. Many people have done exactly this but there are still many people who have kept their Choice Cards. The Choice card collects a point for every £10 spent at BHS. When you collect 10 points, you then get 5% discount on all future purchases. A further 25 points gets you 10% discount thereafter, and finally a further 35 points gets you 15% discount on all future purchases. To be fair, it will save you a lot of money; more then most clubcards. Also, you'll be invited to choice evenings where you'll get a further 10% discount on anything you buy in store. The disadvantage, of course is that you have to spend £100 in the first place, to get at the discount. For this reason, it's only really worth having if you spend a fair bit at BHS. Another nuisance is that it resets the points anually (as with the gold card) but only so far. E.g: 10% drops to 5%. Overall, the choice card is a great discount card to have. Its totally free and could be saving you a lot of money at BHS. Unfortunately, BHS won't open them for customers any more and if you do have one, you'll be hounded to convert to Gold Card. My advice is this: if you have a Choice Card, keep hold of it!
This is a review on a division of Tiscali, called Tiscali-Network. -------------------------------------- hlm.yourteambuilder.com www.tiscali-network.com/hlm Just a short few months ago, Tiscali came across a truly brilliant idea on their part, of finding people who would basically do the job of their telesales office by recommending the Tiscali services to their friends/family and receiving a commission for their efforts. But all is not quite as it seems for this is actually a truly remarkable way of possibly making a good income for yourself. If you were ever interested in starting your own business then this might just be of interest to you. Read on for a review of this company: Pyramid selling, mugs game I hear you shout. Well no, not quite. You see pyramid selling was outlawed in the 1970's as being a seriously dubious way of doing business. And quite rightly so. This scheme is called Relationship Marketing. Works in the same way if you ask me, but the difference with this scheme is that you've got the backing of a multi-million pound business behind you, it's a name we all know (well most of us anyway!), and you're recommending something that is actually of benefit to people because you'll be saving them lots of pennies on their internet and telephone bills. And you'll make money for it. Anyway, let me explain how it works and then you're free to make your own minds up! Tiscali is a major player in the telecommunications field. The third largest player actually. It is safe to say they are huge, with the biggest European presence totalling fourteen countries. They're aiming to turnover one billion euros this year. They specialise in providing low-cost telephone services and fast and reliable internet access. Indeed they are the first company in European Internet history to be profitable! SO HOW DOES THIS WORK THEN: ---------------------------------------- Well, Tiscali Network is the Relationship Marketing side of the business. Tiscali Network offers a serious income opportunity for people who recommend Tiscali services to their friends and/or family. And if THEY also want to join the Tiscali Network and become Independant Business Associates, and they ALSO introduce a few friends and family then the earning potential is seems to be limitless. Word-of-mouth promotion - the most natural and successful method for marketing a service or product. Because it is based on personal recommendation or endorsement which is so much stronger than any advert in a paper or magazine; any cold call over the telephone; or any leaflet coming through your letterbox. People believe people much more than any colourful image or well-written text. What would you rather do... go to a restaurant you'd pulled out of the Yellow Pages, or one that your best friend had sincerely recommended that you should try? What about a holiday destination... go with the flashy colour brochure, or the recommendation of a colleague at work who you trust? There are two main ways to earn income: Fast Start Bonuses -------------------- This is immediate income, made simply by gathering customers. Introducing customers to various services earns points. Once you have twenty points you've earned yourself £200. For someone to 'Fast Start' they must gain six customer points within 90 days - this is just two Broadband customers! This then qualifies them for commission, as well as the team building bonuses below. Team Building Bonuses ---------------------- This bonus rewards you for building a team which in turn becomes a substantial organisation of customer gatherers, allowing you to work your way through the promotional positions available. Once you have introduced three IBA's to your team, either by word of mouth or some form of marketing, you begin to ear
n bonuses. By introducing other people to do what you yourself are doing and have become a Senior Associate, you earn further bonuses of £50 for every person underneath you who Fast Starts. This is paid out on a weekly basis and is therefore immediate income. And the bonus goes up depending on your position: £80, £105, £125, £145, and finally £160 per Fast Starter. Long Term Residual Income By Collecting Customers -------------------------------- This is where it gets really interesting. You see for every customer that you introduce, and also every customer your IBA's have introduced, you earn a residual income on how much they spend per month with Tiscali. And this is paid month in, month out, as long as they continue to be Tiscali customers. So you may not have introduced the customer yourself, but you're still earning from the good work your IBA has done for the team. You really need to view the presentation on the website to gain a better understanding of this. So you can do it in your spare time or you can take it a little more seriously and put time and effort into creating a substantial team, it's totally up to you, depending on how you want to benefit. So what's the catch? ----------------------- Well the only catch really is that it costs £200 to start up, but then most businesses have some form of initial outlay. At least you know you're not paying your money to 'Joe Bloggs'. For this payment you will receive a Business Pack including large ringbinder with a training pack and everything you'll ever need to learn how to do this successfully. You have access to a Tiscali website with your details on it, all the online facilities which includes leads monitoring functions, training info, monitoring hits on your website, automated email responders to each person who has registered an interest, billing information for your customers, online marketing information
including how to get hold of leads, to name but a few. Everything is done online so for those of you who don't consider yourselves 'salespeople', this is the ideal opportunity. And if you do sign up and you're not happy once you receive your business pack, you can send it back within fourteen days for a full refund. My personal experience has been a good one so far, and it's much easier than it sounds. So, if you were ever considering setting up your own business I would seriously recommend you take a look at Tiscali-Network. Good luck! hlm.yourteambuilder.com www.tiscali-network.com/hlm
I must admit to liking to filling in surveys, reading emails, writing opinions ect, especially if you get paid to do so, the extra cash I make on the net pays for my monthly useage. This means I can surf the net for an unlimited time without having to worry about the cost. It also means the rest of my family can log on for free too as there is only one payment to my server each month. I am a member of lots of survey site's which pay for answering questionaires or writting reviews, I read e-mails for cash and enjoy doing so, it doesn't take me long and I have met lots of people through doing so, we chat via e-mails and I have met people who I have got to know over time, so there are lots of benefits for joining these type of paid site's. Having said that life isn't all about making money is it? and I like to be able to give a little back to humanity. Charities are a great way to give something back plus it adds to the feel good factor, after all we aren't all in a position that's ideal. When you read or hear about the conditions some people live in or the things that they have indured it makes you want to help. I'm not a rich person and just make do with the money I earn, I can afford some nice things in life like a car, t.v, video, computer, ect. Like most of us I take these things for granted. These are really luxury items. I am lucky enough to be able to feed myself and family,but I also think about how I can help others less fortunate than myself. Whilst surfing the net I came across a site which helps me do just that. OpinionWorld is a survey site where you can join and fill in surveys,for this you can win prizes but don't get paid a sum per survey. What you do get though is the chance to help out some charities. Every time you fill in a survey the site donates an amount to one of the charities in their program. There are lots of different charities which get suppor
t from OpinionWorld. These vary from helping children, animals, enviromental issues, Unicef which helps children, WWF World Wildlife Foundation, Amnesty International and lots of other good causes. The surveys are sent to you via your e-mail address and you get entered into a prizedraw for each survey you take part in. It's up to yopu whether you want to take the survey or not, these surveys come about every month and it's nice to know that your doing your bit for charity. A certain amount of money goes to the charities which are featured each month, depending on how many people take the surveys. When you join OpinionWorld you will receive an e-mail which gives you an address to go to, this sends you to the questionaire page. Fill in your details, email address, name, date of birth ect and they will send you another email with a password so that you can log into the site. Surveys will then arrive each month or so for you to decide whether you want to do them or not. Once you have logged into the site you can go to various places. News.. Lets you know whats going on on their other world sites. Disscussion?.Where you can meet other members and leave messages on the message board, or join in the current debate. Polls and Quizzes?.Where you can find out the resent results of the polls or winners of the prizedraws. Charities.. Here you can see the charities which are currently being supported with the surveys you complete. If your interested you can join by clicking on the www.prizesandsurprises.co.uk link which can be found in my favorite sites part of my profile page. There's a banner on the page where you can take a little fun test. An emotional test. This is just a fun test which tells you how emotional you are and how well you deal with your emotions. I came out as quite a softie on the test as my heart rules my head in most cases, so there's a little insi
ght into me. After taking the quiz, you will be sent an invite to join OpinionWorld. Or you can just type the name into your browser and be taken to the homepage where you can sign up. I like this site, as like I said it gives you the chance to help others or animals in need, I told you I was a softy, but on a serious note, why not? A few minutes of your time each month to help a charity costs nothing and has to be worthwhile. It gives me ther chance to give something back. Take care, love Diane x
Review Of Itipi.com Itipi is a French site (part of a larger company called Wallace) which offers to pay you to test websites for them. Yes, for an hour a week at a designated time you are asked to come online, click a few links and typically earn around £1.80 for your efforts. Not exactly a fortune, but £7.20 a month goes halfway to buying a DVD/CD, pays a bit off your internet connection etc. and an hour a week hardly encroaches much on your busy life now does it?! Truth be told it's really around 15 minutes spread out amongst that hour so you can spend the intervening time reading emails, chatting on msn or whatever it is you do online... For Starters... To get involved with this site you'll have to toddle off to www.itipi.com and register. Registration is your usual process of entering name, address, telephone number etc. and log-in details, boring, but you'll only have to do it once so just get on with it! Once registered you will need to download the Itipi Browser which you will ONLY need to use during the web tests. I thought it might be an Internet Explorer plug-in when I first heard of it but it's not, so nothing to worry about there. Download this small program, less than 1MB in size, install and you're all set to start doing the tests. Sometimes you'll need to upgrade the Itipi browser but you will be told well in advance about this. ow It Works Every Monday, once registered, you will get an email reminding you of the upcoming weekly tests and requesting those interested in taking part in this particular round to register their interest on the site. You MUST log in and reserve your interest in the upcoming tests before they are scheduled to begin or you will not be able to take part. If you forget to do this(as I have twice now!) you will find that when you open the browser software expecting a test to appear it will sit there looking blankly back at you instead. If
you do remember to reserve your place in the tests (do it as soon as you get the email or you'll forget) then you must open up the itipi browser around 10 minutes before the first test is scheduled to begin and when the time comes it will (slowly) connect to the website you will be testing. You'll have two windows, one large with the site in you'll be testing and a smaller one with instruction on what you are required to do in each test. So far all I've been asked to do is click a few links and at the end of the test to say if any were broken, how fast the site was and how it compares to others I have used. It's not exactly taxing! At the end of the test you return to the start screen and wait until it is time for the next one to become available. You are given a 20 minute window in which to complete each test but invariably they only take a couple of minutes so you have to wait until the next time slot arrives. I tend to read a few opinions, write a couple of emails whilst waiting so it doesn't really encroach upon my time for more than say, 15 minutes out of the hour. The Pay You pay nothing to join up, I suppose I ought to say that just in case anyone was wondering. If you have to pay for anything like this online then it's a scam and should be avoided. That goes for surveys as well by the way, I've seen a lot of sites requesting £20 for a list of paying survey companies recently and frankly you'll get all the information you need on a free survey site so don't get sucked in. Anyhoo, I digress as usual. You pay nothing to join up, they pay you around 60p per test you perform which generally amounts to £1.80 per hourly testing session. Not bad when the actual tests take around 15 minutes I find. You actually get Itipi points but these are converted into English smackeroonies at the end of the month if your account balance surpasses a certain level. You'll be pleased to
know that this level is set very low indeed so you're not looking at waiting 3 years for a payout like with some sites...yougov.com take note please. You will also find the cheques come rather quickly as well which is also something other internet sites could take note of. This one lately so I hear... :P Anything Else? Nothing you can't find out for yourself at the site. Go here: www.itipi.com if you've still got questions. My Opinion I like this idea and I like how regular and easy it is. I have signed up for other similar things in the past and have never heard anything back from them, or have been given one test a year which is pointless. Visitor Friendly is a similar idea people used to rave about but after two years, I hadn't heard anything and had forgotten all about them until I finally got my first test back in January lol. Itipi isn't like that. You get regular assignments sent out weekly and it is well worth your time and effort to get involved. The tests are easy to perform, it pays well and it pays promptly. I also think it's a great idea to support this kind of site because anywhere which is basically promoting making the web more user-friendly has got to be a good thing. Wouldn't it have been great if dooyoo had spent a few quid getting people to test the Aurora mess through Itipi? We might have got those bugs ironed out months earlier... Umm yes, I ought to have a grumble or two as well. There are times when I have not found it possible to be around at the time the tests are sceduled, or have forgot to turn up or, as I mentioned before, forgot to reserve a place in the testing schedule. I find that being forced to be around at a particular time as opposed to choosing your own time is very restrictive and means that I've participated in less than half of the tests I have so far been elligible for. Also, I'd rather not have had to download their software into my
system to take part but can of course understand their reasoning behind it as it's all too easy to cheat at this kind of thing - especially when they often send the same site week in, week out to be tested! Oh yes and you need to have Internet Explorer installed which immediately shafts all Mac users. Sorry! :oP~ I suppose they are minor grumbles however and all in all this is a great idea and something I would recommend to anyone to get involved in. Well, almost anyone, it's probably not really going to be worth you time if you are on one of those internet plans where you pay for the time you are online as opposed to a monthly flat rate. Everyone else, go check it out. That address again? http://www.itipi.com
I really like their logo. ITIPI. The three Is are three little men standing around the T and the P. It's blue and curved and all organic. I don't know why, but I like it. ITIPI are the webtesting arm of a company called Wallace. Would you like me to tell you what webtesting's all about? Or does it sound a bit boring? How about if I tell you it's a nice little earner? Would you be interested then, eh? Ha. Thought so. Come on then. WHO ARE WALLACE? Oh, let me paste the blurb on the service they offer to companies with websites: "The success of your web site depends on user's satisfaction. This is strongly influenced by the site's performance. By constantly mastering the performance of your site, you have the guarantee that you will not face critical situations for your Internet activity. To help you master the performance of your site in a simple and effective manner, ITIPI has created Live Webtesting, a new, decisive step forward in measuring web site performance." So, if they're analysing the average user's experience and opinion on company websites, they'll need some average users, won't they? That's where you and I come in. We're the users. Wallace like to call us "internauts" though, which is rather silly if you ask me, but highly camp and funny if you also ask me. If you think you'd like to earn some money testing websites and to be able to call yourself an internaut at every possible opportunity, then this is what you'll need to do... REGISTERING WITH ITIPI AND DOWNLOADING BROWSER PLUS You'll need, obviously, to register with Wallace before they'll let you go internauting with them. And you'll have to be eighteen or over and a resident of France or the UK only I'm afraid. If you're eligible then click the link on the left hand side of the homepage onsite and you'll get to a standard overv
iew page. You can have a look at a demonstration of the webtesting from here if you want to, or if my wafflings aren't comprehensive enough for you. You can also fill out a standard registration page giving your personal details - name, address, phone number, username, password - and once you've done that you're in. Or rather, you're almost in. Wallace Internauts perform webtests using a software application of their own, which they called Browser Plus. Browser Plus is like a mini Internet Explorer, and it will only work if you have IE4 or above for PCs installed on your computer, so MAC users can stop reading now, sorry. Once you PC users have registered though, you'll need to download and install Browser Plus. It won't take long, it's just a 700kb file. That's it really. As with any internet earning opportunity, you should read the registration conditions and contractual agreement you're happily monikering. This may take you some time with ITIPI! Both documents read, I'm afraid, as though they've been directly translated from Lycos. They're awful! Still, they're pretty much bog-standard for this kind of internet venture - they basically offer to pay you for completing website evaluations, tell you how much they're offering and warn you that they reserve the right to change the details. Ho hum. Still, read them you should. Now you're all set up for your first internauting experience. HOW THE ASSIGNMENTS FIND THEIR WAY TO YOU Oh Wallace are very good here. They're so organised. Although, it must be said, they do require a wee bit of effort on your part. Once or twice a week you'll receive an email telling you that some assignments will be available at a particular time. This is probably the major drawback to this internauting lark; you can't perform an ITIPI test at your own convenience. You have to be available on a particular date and at a particular time. Favouri
te day seems to be Thursday and favourite time seems to be 9pm, although there have been occasional tests on other days and at other times. They usually give you three or four days notice though, and the email they send will tell you how many tests there will be, at what time they will be held, and at what time "reservations" for them will open. You'll have to go to the site, log in, go to the reservations page and put a tick in the box next to all the "missions" (silly name, I know, but that's what they insist on calling them) for which you're available. They do warn you that they can use a maximum number of testers for each assignment, so I'd reserve straightaway. I haven't yet logged on to find any tests already filled, but then this is a relatively new enterprise, so I guess with time that might change and speed might then be of the essence. On The Big Day they'll send you another email, reminding you that you've booked in to complete the tests, just in case you're a scatterbrain like me. After that, it's just a matter of being online, ready, willing and able (matron). WHAT YOU ACTUALLY HAVE TO DO Five or ten minutes before the tests are due to start you'll need to start up Browser Plus, that piece of software you downloaded, and log in with your name and password. Browser Plus is like a mini Internet Explorer with a space age theme. It looks a bit silly to be honest, but let's go with it, we did sign up to be internauts, after all. I gather that differently-themed skins for Browser Plus are planned, but I guess I'm happy internauting, as long as it pays, so I doubt I'll bother looking. You might want to of course. Once you've signed in a timer appears and ticks down to the start of your first mission of the session. It's a nice, light piece of software, so you can happily carry on surfing or chatting online while you wait. When the "mission"
(grin) actually starts, an internet site will appear in the main Browser Plus window, and a new, small pane appears at the bottom. The small pane contains your "mission" (double grin) details. These consist of instructions to click on particular links in the website that's appeared in the larger window. Each "mission" (triple grin, where's my thesaurus?) will consist of roughly ten to twelve steps, taking you around various pages of the site. It's all very easy. You do it every day as you surf. Once you've completed these steps you'll be asked to click the Guide Button in the Browser Plus toolbar and answer four or five questions with standard multiple choice answers on how easy the links were to find, how fast the site was and whether the pages loaded completely or not. The whole procedure for an average test takes two or three minutes on my broadband connection and I doubt many more on dial-up. Only once has a test taken me longer than that, and that was for an awfully-designed database site that I couldn't make head nor tail of. I got it all wrong and the test took me ten minutes to complete I guess. Needless to say, my answers to the closing questions weren't particularly complimentary. By and large though, the sites you're asked to evaluate are all easy to navigate and load their pages quickly and efficiently. There are usually three tests spaced at twenty minute intervals in any one session, so you'll need to hang around for about fifteen minutes between tests one and two and tests two and three, leaving Browser Plus open, but you don't need to bother watching its Astral Clock tick its way down. I just go back to surfing and instant messengering, as usual. As I'm likely to be online on a weekday evening anyway, to me it's a very easy £1.80. HOW MUCH IT PAYS AND WHEN YOU SEE THE COLOUR OF THE MONEY Each IPITI "mission" pays 700 points and those 700 points
currently equate to sixty pence. Struggling through that appallingly worded agreement as I have, I should tell you that Wallace reserve the right to alter this conversion rate after due notice onsite. So it's worth your taking notice of what's going on over there. As it stands currently though, those seven hundred points will give you sixty pence for a website test that will probably take you on average five minutes on a dial up connection, less on broadband. I don't think that's bad. Payment is made monthly by cheque, provided that you have at least 8,400 points or £7.20 in your account. Given that in the two and a half months since I joined Wallace there have been three to six tests availabe for reservation by your clicky clicky fingers each week, you're perfectly capable of getting a cheque each time they pay out. A couple of days after the month has ended you'll receive an email from Wallace asking you to confirm your address, and about a week after that you'll get your cheque. They're very efficient. And they do pay. So woohoo! And that concludes my overview of the sexy-logoed ITIPI. As ever then, a quick round up for you: THE APPLAUSE * Frequent, regular assignments * They keep you fully informed by email * The website testing is EASY * Assignments don't take long * Reasonable rewards, especially considering the time spent * You can chuckle at the thought of being an internaut going on missions * And last, but not least: THEY PAY! THE BOOS AND HISSES * You'll have to download some software * You'l have to be around at specific times * You'll have to book yourself in for each assignment fairly promptly * You'll have to hang about between tests during a session * The agreement you sign up to is unbelievably poorly translated * Not open to MAC users or to anyone living outside France and the UK So, is it wor
th it? If you're around and online in the evenings a lot, I'd certainly say so. It's basically ten or twelve clicks for sixty pence, times three, for each session. The download doesn't take long, the software isn't memory-hungry or anything and it fits in seamlessly with Internet Explorer, which you'll all have anyway, so it won't interfere with the workings of your computer, or make it crash, or do anything else you won't understand. If the rate and frequency of work remains as it currently is, the points conversion rate remains static and you complete all the assignments available, you'll be expecting a cheque for eight or twelve quid each month. My October cheque was for £10.20. That's a good proportion of the money that sexy broadband connection will cost you each month if, like me, you think in those sort of terms about online perks, just for a few minutes work. Four stars, with one docked for having to download software and be around at specific times. http://www.itipi.com
Many years ago, we had the co-op dividend. Effectively, a payment for doing shopping down at the local co-op. Then came the hugely popular Green Shield Stamps. Again, a reward scheme for doing business with selected companies. More recently, the likes of Boots, Sainsbury and Tesco have had reward cards that as many as 75% of their customers have. Using this measure, they are presumably successful. Other companies, notably Asda, suggest that reward schemes do not actually work (that means they do not increase sales) and add to costs and ultimately prices. Safeway and Somerfield have both scrapped loyalty schemes in the past two years. So, where do we stand today? Well, we now have the Super Loyalty card. Nectar. Rather than just rewarding you for doing business with one company, this little beauty gives you points (and ultimately money) for trading with any combination of four! So, what is it, where can you use it and how much is it worth to you? Well, it is a plastic card earns points every time you shop at Sainsbury, Debenhams or BP. The points also mount up every time you use your Barclaycard, Debenhams Store Card and Sainsbury Credit Card! If you already hold a Sainsbury Reward Card, you can transfer your existing points to the new Nectar Card with no penalty, but you must do so by mid-November. If you hold a BP loyalty card, which allows savings at Argos, you will be able to cash these points in well in to next year. Barcalycard?s existing loyalty scheme is also being wound down. So, how many points can you earn? Well, first of all, 2 points are worth 1p. Personally, I find this quite irritating and designed to confuse. In a straightforward world, 1 point = 1p would be far more appropriate. Nonetheless, 2 points = 1p and that is the sum we will work on. Sainsbury pay you 2 points for every £1 you spend. In other words, there is no change to their existing scheme, the
value of points being 1% of the transaction. Debenhams pay at the same rate. As they had no storewide loyalty scheme in place, this is great news for anybody who shops at Debenhams. You now get something extra that you did not get before. The hope must be that they do not absorb the extra costs of this in higher prices! Additionally, Debenhams Store card holders get an extra 1-point for every £2 they spend. This additional benefit is worth 0.25% of the transaction. Better than nothing, but other credit cards can earn a bonus worth more. Barclaycard, regardless of where you shop, match the Debenhams Store card scheme, paying 1 point for every £2. This is a value of 0.25% which, when compared to other credit card loyalty schemes is poor. Remember that the likes of Halifax, Egg, and Alliance & Leicester pay 0.5% in cash. Goldfish pay up to 1% in vouchers. GM Card pays 3% reward to those buying a new Vauxhall at some point in the future. In other words, you can do better than Barclaycard, although your points will not be added to your Nectar ones! Sainsbury's own credit card will also pay 1 point for every £2 spent. This is a 50% reduction in value from the pre-Nectar scheme, so there seems to be little benefit to these changes. Again, consider the other credit cards I mentioned above if the reward for spending matters to you. BP used to pay 1% of fuel transaction in Argos points. In other words, fill up with £30 a week and over the course of a year, you would get £15 worth of spending at Argos. Under Nectar, they will pay 1 point for each litre of fuel. Based on a price of 75p a litre, somebody spending £30 a week will now only earn £10 in Nectar points. In other words, the value of reward is less (0.67%), although you are no longer restricted to Argos for spending. If you have a Sainsbury petrol station charging the same price for fuel (or less) you would get a full 2 points for every pound of fuel purchas
ed, better value than BP, working out at £15 a year! So, we have established that shopping at Sainsbury earns the same, Debenhams earns more, Barclaycard is probably about the same in value as their old scheme, BP are paying less and Sainsbury's credit card pays less. Basically, if you used all these companies' available loyalty schemes in the past, you are unlikely to earn any extra points or value from Nectar. The real benefit of Nectar is that you can add the combined value together before you cash in your points. So, where can you cash in your points? Well, the easy places are Sainsbury and Argos, who will accept face value for the points. You can, however, spend your points in other places to get discounts or entry to events. One example of this is Odeon Cinemas. 2000 points (£10) will buy you 2 cinema tickets. Given that my local Odeon would charge £3.70 for an adult on a Tuesday and £5.40 on other nights, I am not convinced that this is a great deal. Especially as under the old Sainsbury Reward Card you only need 1500 points (£7.50) to get the same benefit! 500 points (£2.50) will buy you a £5 discount at Brewers Fayre or Brewsters restaurants. While this clearly doubles the value of your money at these locations, you can often find buy one get one free discounts for these establishments anyway. If you fancy a trip on the Orient Express, you can buy discounts with Nectar points. Again though, you can often negotiate discounts through a travel agent anyway, so is it a real benefit? And can you afford to pay the other 65% of the cost anyway? There are other ways of spending your points, but one thing that is noticeable throughout is that none of the deals on offer are better than the old Sainsbury scheme. Many are worse. Compared to Tesco Clubcard deals (which are not in anyway linked to Nectar), this is a poor relative. So, what do I think overall? Well, if
you shop at Sainsbury or Debenhams, fill up at BP or use a Barclaycard, you have nothing to lose by registering for and using a Nectar loyalty card. The multi brand concept of Nectar also means you can build up greater value rewards than you would have done previously, saving you having to get yet another cheap glass from Barclaycard! That said, the only true winners here are Debenhams shoppers who got nothing before. Members of the other schemes have had their reward values retained or reduced. Certainly, there is no sign of any improvements to terms. While I will hold and use my Nectar Card occasionally, I know the value of my Goldfish Credit Card points and Tesco Clubcard points are worth more to me. Nectar is nothing new. Unless you spend huge amounts at Debenhams, you will be no better off with it.
Strictly speaking I should update my opinion entitled Quizzling but then few people would be inclined to read the update and the current details about IPTL are very important. So it is being posted under this category. It Pays To Learn is back on-line and membership is still FREE but there have been major changes and the earnings capability has been drastically reduced and increased. No I haven’t gone ga-ga so read on. During your first attempt to log on you will be met with a page pertaining to those changes. This will happen each time that you log on for the first time in any month. There is a list of the current terms and each member is required to complete a short declaration. Within a few minutes you will receive an e-mail from IPTL with a link in it to access the site and register your access. After that for the remainder of that month you log on as normal. Henceforth and until further notice a Cash Point will be worth 1/10th of a cent or if you like $0.001. A FREE MEMBER can only earn cash for their points by taking quizzes for the first 4,500 points that they accrue in each month. That is just $4.50. This implies that any Cash Points earned through referrals, reading e-mails, answering surveys etc. will translate into cash over and above the $4.50 limit. Although it isn’t clear if this is so. It isn’t clear what happens if a member gains more than 4,500 Cash Points in a month. They may be carried over to the next month or they may be ‘lost’. The blurp goes on to state, “The total number of Cash Points which you may earn each month will NOT be limited, so you may earn all the Cash Points you can from referrals, reading emails, answering surveys, or any other activities in addition to taking quizzes each month.” Members can opt to become a GOLD MEMBER by paying an annual membership fee of $59.95 (which is as near as damn it $5 per month) and membership will commence on t
he day of application and continue for the rest of that month and the next eleven, so the best time to join in the Gold Membership scheme would be on the first of the month. This scheme starts on the 1st February 2002. To get your money back you would have to gain 5,000 Cash Points each month and anything after that is clear profit. Last September I gained over 25,000 Cash Points for just 2 hours each day and then the site was quite slow so I reckon I could double that and still retain my sanity. The minimum cashing in total via PayPal is $30 with a $1 delivery charge. The minimum cashing in total by cheque is $50 with a $3 delivery charge. You can off course spend your earnings on-line at the IPTL shop that is supposed to open on 1st February 2002. According to a very quick reply to my enquiring e-mail (DooYoo take note) current earnings can be used to become a GOLD MEMBER and I assume that if you do not have enough in your account you can make up the difference with ‘real’ cash. There are changes to the Group registration but you’ll have to read about them yourself on the site if you are that interested. I’ve just got lazy. The addition to the Referrals Scheme is a crafty one. Apart from finding your own referrals there will shortly be introduced a system where you can buy the name of a person who joined without a referrer and add them to your own list of referrals and we are told there are tens of thousands of those. These names are to be selected at random. Don’t forget that you earn Cash Points not only by the person’s activities that you refer but also for those that they refer - ad infinitum. It is not beyond the realms of possibilities that you could have literally tens of thousands of referrals earning YOU Cash Points and all you have to do to get access to those points (and thus the dish) is to gain 5,000 quiz points by yourself and be a GOLD MEMBER. IPTL tell me that it is hoped to
have details in place for the ‘buying’ referrals by the 1st February 2002 so it might be worth keeping an eye on. All quizzes have been re-set and will also re-set when a member has taken all the quizzes in any category. Thus there will be no limit on how many quizzes a member can take and thus no limit on earnings - IF they become a GOLD MEMBER. There are now 19 topics in the Beginners category plus the eclectica, and 21 topics in the Intermediate and Advanced categories plus eclectica. There are a few other minor points but, come on, you don’t want me to do all the work do you? If IPTL interests you then you can find out for yourself. If it doesn’t then I won’t waste your time by detailing them here. In short it is a deal worth considering if you have the time to take advantage of it. I am leaning heavily towards becoming a GOLD MEMBER once I find out what it will cost to ‘buy’ referrals. Under the current world economical climate I think that IPTL have struck a reasonable balance between free and paid membership and I commend this opinion to the house – sorry I mean DooYoo. Been watching too much politics on TV.
With several websites offering you 'money for nothing' right now, ipoints to me seems to be the most worth while. I can't remember how i became a member of the site nearly a year ago but it was through them that i became a member of dooyoo. So what are iponts exactly? Well they are points you earn by doing various different activities on the internet. These points will soon add up and then you are able to choose from a number of different rewards depending on your balance, and the choice of rewards is quite a wide selection which i will come to later. There are several different ways of earning ipoints which are as follows: Free ipoints - you can get free ipoints from registering with different online companies such as Myoffers, Ciao, Line-one and OK-Mail to name but a few. You usually recieve about 10 points for registering and you also have the choice to carry on earning ipoints with these companies if you use them in the future. You can also earn free ipoints by simply registering with the Ipoints website, completing questionaires and recommending friends and family to the site (10 points for each recommended friend). Sometimes there are great offers of free ipoints to be had such as opening an egg card where you will receive 100 free ipoints or registering with flutter.com where you will recieve another 100 free ipoints. Every month there are new ways to earn free ipoints and they seem to be getting more generous over the past few months too, so even if you don't buy online your ipoints will soon add up. But if you do want to buy online then this is another way of earning ipoints. If you shop with one of ipoints' partner websites such as BOL.com, 101cd.com and Genie.com then you will receive so many points for the amount you spend. One of the best offers at the moment is BOL.com which offer you a generous 10 ipoints for every £10 you spend compared with 101cd.coms' rather pathetic 3 ipoints for every £10 spen
t - dead tight. There are loads of online shops that you can earn ipoints with and all you need to do to start earning is use the click-through on the ipoints homepage. You can easily keep track of how many ipoints you are earning by logging into your account and viewing your recent transactions. This is a very good idea as a couple of the online stores and websites you shop with tend to - how shall i put this? - forget to add your ipoints which can be irratating. If by a month you still havent received your ipoints off these companies then contact ipoints by e-mailing them and they will chase the points up for you. This does not happen often but always be aware of what ipoints you are expecting and keep checking your account. As i have mentioned there are lots of different rewards available to buy with your ipoints. Here are a few examples: 80 ipoints - A £5.00 high street gift voucher 120 ipoints - A cruise to spain 135 ipoints - A book from BOL.com 200 ipoints - A C.D from 101cd.com 275 ipoints - A DVD from 101cd.com 1700 ipoints - A samsung video recorder 19500 ipoints (!!!) - A computer package from Evesham In addition to these there are loads more rewards such as videos, MP3 players, MiniDisc recorders, flights to europe, mobile phone top up vouchers and loads more beside so no matter how quickly you earn ipoints your next reward is right around the corner! Basically ipoints are easy and quick to earn with a good redemption value. You can now get paid in ipoints from your earnings from Ciao ( but we best not mention them). All you need to do is login to your account and arrange for your payments to be made be ipoints into your ipoints account, so now you can earn them even faster. This site really does offer great rewards for nothing without any 'catches' involved. The website is easy to use, has good navigation and is reasonably quick. I am trying to decide what
to spend my 650 ipoints on at the moment as there is so much choice - and i got them all for nothing practically. So start earning ipoints right now by going to www.ipoints.co.uk!
I recently read an opinion about a site and I would like to make my observations about this here. First and foremost this site is not a company site and instead is a privately owned site, more thank likely owned by a single person. The site basically provides you with links for various other websites that offer you the opportunity to earn some extra cash. The start page is accessible at: www.expage.com/moneyearner, and consists of the following: 1) Get Paid to take Quizzes 2) Get Paid to read E-Mail 3) Get Paid to read E-Mail – Page 2 4) Affiliate Programmes – Webmasters 5) Money for Tasks 6) Get paid for your Opinions 7) Competition Detailing each section: Get Paid to take Quizzes ----------------------------- This section provides one link for the website “ItPaysToLearn”. Coincidently I have recently written an opinion on this site. This website pays you in points for taking quizzes. These points can later be redeemed for cash either by cheque or PayPal. If you are not already a member of “ItPaysToLearn” and you register with them, after clicking the link on this particular site, you will notice that at the registration page the part “Enter the ID of the one who referred you” has already been completed. This means that by registering through the link on this site will gain the owner of this site your referral and the subsequent earnings that go with this referral. Get Paid to read E-Mails and Get Paid to Read E-Mails – Page 2 ------------------------------------------------------------------------------ This is by far the most covered section on this site. The first page of this section provides you with a total of 17 different links and the second page provides with a total of 9 different links. All the companies featured in these links provide you with the “Get paid to read e-mail
service”. You are also informed of how much each company will give you for initially signing up and how much you will get paid for each e-mail you receive and the referral reward scheme. Almost all these companies are based in the United States. Again the same thing occurs if you register with any of these companies through this site. The site owner is automatically inserted as the referrer on your registration form. Affiliate Programmes – Webmasters -------------------------------------------- This section provides two links and is for people you have there own website. You can insert the companies links on your website and if any one accesses these companies site, through the link on your website, you will be paid the specified reward. Money for Tasks -------------------- This section contains only one link for a company called “NitroClicks”. Once you become a member of this site you will receive between 22-26 e-mails per month, each containing a simple task. These tasks range from visiting a website, reading some information or registering at a site. Tasks are different each time and are chosen according to your interests, which you will select on registration. You get between $1.00 - $8.00 for each completed task. Again the referrer will be the owner of this site. Get Paid for your Opinions --------------------------------- Here CIAO and Dooyoo are both listed. As usual the referrer will be the owner of this site. Many of you are aware that on Dooyoo the referrer will earn 10p for each of the first 10 opinions written by a referred member i.e. a total of £1.00 for each person who registers through this site. On Ciao the earnings for a referrer are even more. They get 30p initially and then 1p for each and every read received by the referred member, for life. Competitions ---------------- This page simply asks you to answer
a question. The answer can be found within their webpages. The competition is currently closed as of this date. The previous competition was sponsored by a company called “Galore” My conclusion is that this site is useful in a way providing people with an awareness of all the various and viable “Get Paid” schemes available today. This site does not directly provide you with any incentives of its own. Further and as mentioned many times in the opinion, all their links are included with a direct referral to the owner of this site. Obviously these arrangements have been made with the approval of each of the sites concerned and it is no way illegal. Overall it will be of more importance and use to the “Newbie” on the Internet, who has yet to be exposed to the true potential and value of these “Get Paid” schemes. The more experienced users already know which sites are worthwhile and which are not. So go through the list, you might find something worthwhile.
If you think making money on the net is a waste of time then read this. Not surprisingly, the Internet has spawned a number of innovative reward schemes to attract and keep you spending your cash. www.ipoints.co.uk is one of the best. Shop at any one of their affiliates and you earn points. For instance £10spent on books at BOL.com will earn you 10 points. Partners include legal expertise desktoplawyer, highstreet cosmetics and toiletries giant superdrug. You can redeem points for vouchers, books and travel; 120 points will get you a free cruise to Spain, and 3,610 a flight to the USA, while many will go for something more realistic- high street vouchers 250 points will get you a Dixons £20 voucher. To earn rewards at www.webrewards.co.uk is a bit harder but you get more of a reward choice. Here you also have to shop or register at certain sites on the net. Places to earn rewards include carphone warehouse, firebox.com and many others. In most cases, £1 spent equals one reward point. You can get a box of chocolates for 450points or exchange rewards for club miles with Virgin Atlantic's frequent-flyer program. Your web rewards can also be donated to the Children With Aids Charity. But this company has now been taken over by ipoints. With www.airmiles.co.uk you can earn air miles at some of the biggest brand names both on and offline. Online, you can benefit from shopping at dabs.co.uk, where you'll earn 100 miles when you buy a Gateway computer for £799 or more, also you earn for buying a computer kit online. Or you can get one mile for every £2 spent on booze at madaboutwine. Air miles give yon hefty discounts off your holidays, flights. Buying the average family's supplies at Sainsbury's for a year could earn you enough miles for four flights to Paris. One of the most basic schemes is epoints.co.uk the site isn’t as good as the ones above, but you can earn points at a wide range of
sites, many of them smaller companies Involving theatre, arts and crafts and specialist organisations such as minicooper.org the Mini Cooper club. Some of the biggest names around have associated themselves with surfmiles.net They include Amazon and WHSmiths the favourite online book stores. For household appliances and white goods try Comet where you get a variety of surfmiles for every £10 you spend, depending on which site you are using, some are more generous then others. You can then use them to get discounts at the online stores (80 surf miles equals a 4 per cent discount at Amazon, which is hardly anything.) For money off goods at HighStreet giants such as Boots, Marks & Spencer, Pizza Hut and B&Q, register with www.mypoints.co.uk You earn points by registering at sites this is very similar to ipoints, but sadly not as good. You get rewarded for surfing, reading emails and taking up trial offers. Register under Bonus mail and they will send you emails with offers about your spec-ified Interests. You get 150 free points just for joining, but it takes a very long time to earn anything – 760+ points are needed to give you a £5 Argos voucher. One of the first outfits to tap Into net shopping loyalty was Beenz.com at they've recently laid off a load of staff and are still in trouble, I’ve heard that they will soon be closing down their service so go and cash in those beenz. And if your not all ready a member then don’t bother. Yon can spend on everything from CDs. travel, software, books and computers. You'll get Beenz just by visiting certain sites, and for registering at other Shopping will earn you even more. You start off with 160 free Beenz when you register. It takes a lot of Been to buy any thing 3,500 for just a tenner. THIS COMPANY WENT BUST ONLY A FEW WEEKS AGO. mailround.com is a great concept, if it worked. It is different to the other schemes above. The idea is
you earn for emailing. However it has restrictions on what email client you use and what ISP you have. You download the software and for every mail you send gets stamped with an advertisement. If you go for this you will have to check that the software works on your PC. mail round pays you on a monthly basis, and only once a month and can be frustrating waiting for your account to update. the more you send mail the more you will get paid and this can be as much as £40 or as little as nothing. though many people have had good experiences with this services i have not. the range of items you can get with your rewards is also limited. This rangeS from £10 Tesco vouchers to a £50 cheque in the post, tou i think it would take you 10 years to achieve this amount. Customer service isn't that good either. if you email them with a question they send you a automatic response, and not answered by a human. Over all I wish I thought of the idea, and could probably have done it much better. Have fun mailing. Myoffers.co.uk is a competition site. At myoffers they like to make you think you have a good chance of winning. As well as that they also attract many surfers by offering Ipoints for each competition that you enter. If you spend some time and go through the small print you will realise that your email address will be put up on display for many firms to target you. This can become annoying having your inbox full with 30 junk emails. Though on the positive side when you join they send you a free mouse mat, well ok not the best of free gifts, but who cares. If you join via Ipoints you will see that after completing afew competitions you have enough for a ferry journey to France or a Dixon's voucher. There are many competition sites around on the net, and whether you do win remains to be seen. i've entered a fair bit of competitions at myoffers and am still hoping to be the lucky next winner. GOOD LUCK. This is another way of earning money, but in the form of shares. Totalise.net is an ISP. Totalise's service is fast, reliable well like any other paid for ISP, except this one pays you. This is a great way to reward its users. And a great incentive for most people to get online via totalities. All they ask you is that you initially use the service for 300 hours a month for 3 months. This may sound alot but think of the money you will get in the end. they have an excellent e-mail service that you can read at home or on any PC in the world through their home page. By sending mail using your totalise e-mail you get even more shares for promoting the company. i currently have around 800 share in the firm. But right now their share price isn't doing very well. It is listed in aim, where you can check out the price. go to their Website at www.totalise.net and check out this deal. **JUST ADDED** By joining this US site www.itpaystolearn.com they actually do just that. For taking quizzes, spelling tests and receiving e-mails you get points and prizes. www.myvoice.co.uk pay you this time for entering their polls and quick 2 minute surveys. Polls include subjects currently in discussion on the news and media, so now you can make yourself heard. Over all some of these sites offer you easy and hopefully enjoyable ways of earning a few quid and in some cases loads of quid’s. But don’t give up the day job just yet. If you still don’t believe all this and are still sceptical then check the sites out for your self, but be WARNED YOU’LL BE HOOKED.
Thanks to reading an opinion on Dooyoo I have found a new website – www.myvoice.co.uk and I am quite impressed by it at first glance, so I thought I had better tell you about it! The basic principle of Myvoice is that you are rewarded for completing various polls. Myvoice points (MVP’s) are added to your account for each poll you complete and are then exchanged for High Street vouchers when the balance earned is high enough. Let me explain…… First of all you will be asked to register with Myvoice. This involves giving your name, user name, e-mail address, postcode, country of residence and a password. It’s as easy as that! The terms and conditions include the promise not to sell your details to anyone else. Upon registration I was immediately credited with 100 MVP’s and an entry into the draw to win £1,000 and an entry into the draw to win a Mazda MX-5. The home page gives you the following choices – Take a poll Poll results Win prizes! Forums About us Log out I started with ‘about us’, as I wanted to find out exactly how Myvoice worked. This category was further split into about us, how it works, Myvoice points, FAQ’s and contact us. I had a general look around and found out the following information. Myvoice run polls on various subjects in which members are invited to participate. Some, but not all, of these polls carry a reward of a certain amount of MVP’s. The write up states that this could be anything up to 500 points, but as the redemption value is only 2,000 I bet the 500 point polls will be few and far between! Members will be notified of polls via e-mail. I then headed for ‘take a poll’ to see if there were any polls currently available for completion. I found the following: Fat Cat Fury - 25 points Foot and mouth inquiries spread across country - No points Louis Far
rakhan: bogeyman or visionary – No points Mind if I smoke? I don’t care if you burn! – 25 points Arrrggh!!! Premiership Football starts again this month!! – 25 points Diamonds – A Girl’s best friend Or A Warlord’s? – 25 points Happy? – 25 points Naturally I completed all the polls offering 25 points each. I then revisited my account by clicking on the ‘my account’ button at the top of the page and found that my points value had been updated to show the value of my points earned as 225. I had also been given a further 5 entries into each of the two prize draws previously mentioned, one for each poll completed. As I mentioned earlier the minimum redemption value for the points is 2,000 which will get you a £20 voucher for one of the following: Marks & Spencers Boots Dixons Virgin Megastore WH Smiths Choice (Woolworth’s, HMV, Argos, Mothercare, Dolcis, JJB Sports or H Samuel) Leisure Vouchers (Pizza Hut, TGI Fridays, Thresher, Victoria Wines, Marriot Hotels or David Lloyd centres) You could also donate your points to charity when you have earned 1,000 if you prefer. The category called ‘poll results’ is self-explanatory it is just a list of the results derived from previous polls. The ‘forums’ category is split into two sections – forums and news articles. The forums part is a collection of topics, some to do with the polls, on which you can post comments and read other people’s comments. The news articles are simply that – articles about various stories currently in the news. So, there you have it, Myvoice in a nutshell. It took me about 5 minutes to earn 225 points so, if the earning potential is maintained this could well be a site worth joining. By the way I wrote this opinion before I went on holiday for a week and wa
s intending to get the category set up on my return, although I see it is now done. I revisited the site today to find another 5 polls all earning more points so it looks as though this might be a good site to watch.