The Truth about Robert Q. Cash (Robert Matias)

The Truth about Robert Q. Cash
(Robert Matias)

Name: Robert Q Cash aka Robert MatiasPicture of Robert Q Cash (Robert Matias)
Website: |

Price: $25-200
Type: Affiliate Program
Overall Rank: 4 out of 10

Who is Robert Q Cash?

If you’re looking for information on Robert Q. Cash, whose real name is Robert Matias, you’re probably considering joining CryptoX3, formerly known as BitcoinX4. Robert Q Cash is the person who started those businesses.

I won’t go too deep into a description of CrptoX3 because this is a review of the man who owns it. CryptoX3 has a separate review because my opinion of the business and my opinion of the person who runs it are different from one another.

Robert Q Cash, aka Robert Matias, is a Bitcoin millionaire and an expert at affiliate marketing, network marketing, and marketing on social media platforms like YouTube and Facebook.

According to the videos on his YouTube channel, he started BitcoinX4, which is now called CryptoX3, as a way to solve a major problem in the money-making industry.

That problem is that most of the people who get into the money-making industry don’t have money to invest into joining a business, but need money, which is why they wanted to join in the first place.

I have personally been involved in one of Robert Matias’ businesses. This review is a recap of my experience.

This review was not written to paint the picture of Robert Matias being a bad man, but in my experience with him, some things happened that I feel everyone should be made aware of before they decide to do business with this man.

I’m going to tell everything exactly as it happened. I’m not going to try to make it sound better than it actually was or worse.

When this is done, you will have enough information to decide if you still want to do business with him.


What I Liked about Robert Q. Cash:

1. He is smart and knowledgeable about the money-making industry.

BitcoinOne thing I noticed right away in dealing with Robert Q Cash is that he is a hard worker so there’s no wonder why he became as successful as he did.

I like the fact that he identified a major problem within the money-making industry and found a solution that benefited him as well as the people who enrolled in his program.

People join those businesses because they need money, but they don’t have money to get started sometimes.

Another problem that he addressed was that many people just suck at marketing. They get discouraged before they have a chance to develop the skills they need.

CryptoX3 doesn’t take a lot of money to get started and you don’t have to be an expert marketer to make a profit.


2. Robert Q Cash does seem to genuinely care about his followers

His heart was in the right place when starting this business although I’m sure there’s something in it for him or he wouldn’t be doing it or pressuring people so much to recruit new people into the business.

Regardless of that, I can clearly see that it’s not just all about him. He genuinely wants his people to make some money, but he’s looking for the win-win that’ll benefit him as well as everyone else. Nothing wrong with that.


What I Didn’t Like about Robert Q. Cash:

His emotions are too much in control

I can actually think of another thing that I would put in this section concerning marketing laws in the USA and Canada if I was reviewing CryptoX3, but since this is about the man, not the product, I’ll leave that part out.

One thing I will say is that Robert Q Cash lets his emotions take control of his business decisions a little more often than I’m comfortable with.

By now, you’re probably dying of curiosity, so here is what happened:

I joined the company back when it was called BitcoinX4. One of my family members was one of his admin assistants. They were called Knights back then.

The Knights didn’t like the way Robert ran his business. So instead of arguing with him, they chose to come together and create one of their own.

Word got out that they were starting their own business. Robert flipped out and decided he wasn’t going to pay any of the Knights the money that was owed to them.

Robert Q Cash (Matias) attempting to steal my moneyNot only that, the Knights had all been recruiting family members and friends into BitcoinX4, so Robert decided he wasn’t going to pay any of their recruits their money either. I was one of them.

The knights had to threaten to report him to the IRS to get our money back. (Check the screen cap that I took from Facebook.)

Later, I sent Robert a private message on Facebook asking if I could stay in. I said what happened between the knights and him had nothing to do with me and I wanted to remain in BitcoinX4, which was true at the time that I sent it. I had no idea what was going on.

A couple days later, he responded. He said I could get back in if I wanted.

I was grateful at the time, but then I thought about it. He’d shown me his worst side. Anger clearly controls his business decisions. He was willing to basically steal money from us all because of what other people did even though it had absolutely nothing to do with us.

I had to ask myself did I really want to put my bitcoin back in this man’s hands and risk him getting upset about something else just to try to keep my money again.

The answer was no. So I didn’t.


Who Would Benefit from Working with Robert Q Cash?

His products are specifically made for people who are lacking the funds to get started in other businesses, like network marketing. That doesn’t mean you have to be broke to work with him. CryptoX3 is a good way for anyone to triple their money if you’re willing to risk working with someone who lets his emotions influence his business decisions.

That’s why I’m doing a separate review for the product and the man. I love the concept of CryptoX3 and what it can do for struggling people, but I just don’t trust the man who is running the operation after what happened.

That being said, Robert Q Cash and his system are good for:

  • People needing money to invest in other businesses
  • People who want to make money with crypto-currency
  • People who have good communication skills and are respectful (otherwise he might try to keep your money)


Robert Q. Cash Support

CryptoX3 is run entirely from several Facebook groups. When a group reaches a certain number of people, a new group is started.

Certain members are assigned admin roles and they handle all the groups concerns.

You can have direct access to Robert Matias via Facebook, but it usually takes him a while to get back to you because he’s very busy. He will eventually get back to you if you message him, though.


My Final Opinion of Robert Q. Cash

When watching Robert Q Cash’s videos and listening to the things he says, I get the impression that he’s a man who has been through some bad experiences with certain people. He’s fed up and lashes out at anyone that he thinks is taking advantage of him or talks to him in a disrespectful way. I have never gotten the impression that he’s a bad or dishonest man.

Some people who read this will say Robert Q Cash had a right to feel betrayed by his knights; some will say he overreacted.

(I’m curious to hear what you think. Tell me in the Comments section.)

The fact is, he is running a BUSINESS. As a business owner, he has to learn to put his personal feelings aside and do his job. I thought it was unprofessional of him to take his frustrations out on people who had absolutely nothing to do with any of it.

Most of us had no idea the knights were starting a similar business until we got a message from our sponsors telling us Robert was threatening to steal our cash because they’d started a business that would compete with his.

The fact that our sponsors had to threaten to bring the IRS into it to get him to refund our money sets a red flag off in my mind. That’s the reason I didn’t re-invest back into BitcoinX4 even though he said I could.

I was about to, but then I realized how stupid it would be to trust this man after he tried to keep our money the first time over something that wasn’t our fault. It would be like putting a man in prison for something his brother did.

He has even said on his YouTube videos that if someone talks to him the wrong way, he’ll just give them their initial investment back without giving them the money that they were supposed to have made.

I went to his YouTube channel to post a copy of some of things he’s said here on this site. He’d taken all his videos down by the time I thought to do it.

When I last visited his channel, there was only a single video left. That’s a sure sign that he realized he’d put his foot in his mouth! I just wish I’d thought to copy everything before he deleted them.

On occasions when they’ve made him really mad, he’s said he’s considered not refunding the initial investment, which he’s shown he’s willing to do by what happened with the knights. That’s called theft.

Robert Q Cash has helped a lot of struggling people make money, but he’s also screwed some people out of money he owed them because of his feelings getting hurt.

I felt this was something that everyone should know before they make that initial investment. The choice is yours.

FINAL RATING: 4 out of 10

Click here to see my #1 Recommendation

Did you enjoy this review? Have you worked with Robert Q Cash, BitcoinX4, or CryptoX3? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.



Uber Driver Job Reviews

Uber Driver Job Reviews

Name: Uber
Uber Driver Job ReviewsWebsite:

Price: Free
Type: Freelance Jobs / Ride Share
Overall Rank: 6 out of 10

What is it like to be an Uber Driver?

Being an Uber driver was a good experience for a while because I liked the idea of being able to turn on an app and have money right away. I was having trouble making ends meet and driving for Uber took a lot of pressure off of me. I knew I could get whatever amount of money I needed whenever I needed it. All it took was my car, cell phone, and some free time.

People have a wide range of reasons why they need to drive for Uber. For me, it was that I needed a way to get investment money for business projects. It might be different for you, but either way, ride share driving can help with it.


Pros and Cons of Driving for Uber

What I Liked about Uber:

1. A bigger customer base keeps you busier

Your Uber driver job isn’t really a job. You’re an independent contractor, so if those wheels aren’t moving, you’re not making any money.

Uber has been around longer than Lyft. They already had a following 3 years before Lyft joined the ride share family.

They have a larger customer base so it’s easier to get fares. Turn the Uber app on and you’ll usually get a call within a few minutes, especially on bad weather days.


2. Tax benefits for using a personal vehicle

Tax Deductions for Ride Share BusinessOne of the benefits of any ride share job is that you get savings on taxes. Every mile you drive is tax-deductible. At the time of this writing, you got 53.5 cents for each mile driven for business. You’re going to appreciate that when tax season comes around.

There’s another option to claim all your expenses instead of mileage, like the actually price you paid for gas, car washes, maintenance, etc., but it’s more work to keep track of all of that.

I always went with mileage because it’s quicker and easier. Talk to a tax consultant to see which is best for you.


3. Uber customers are awesome customers

Uber customer are the bestHopefully I won’t often anyone by saying this, but the people who use Uber tend to be a lot more easy-going than people who use other ride share services. They’ll give you 5 stars just for being friendly. You usually won’t have to jump through hoops for a good rating.

Why is that important to you?

Uber’s rating system is 1-5 stars. If you fall below 4.5 stars, they can cancel your Uber driver account.

That means the only rating that helps you is 5 stars. Any rating under 5, even a 4, hurts your overall driver rating. Having people who are more likely to give 5 stars is a big advantage.


What I Didn’t Like about Uber:

1. Lots of wear and tear on your car

This is to be expected when you’re doing any job that requires you to use your own personal vehicle. When a call comes through, first you have to drive to pick the customer up. Then you take the customer where they’re going, drop them off, and it starts over again.

You get tax breaks, but that’s still a lot of miles on your car. Keeping up with maintenance is a must.


2. Higher booking fees, of which, the Uber driver gets nothing

Uber booking feesUber does a great job of hiding it, but if you navigate through the pay details far enough, you’ll find that they charge double the booking fee, plus a service fee.

The last fare I accepted with Uber was for $6.05. They charged $2.05 in booking fees and $1.00 in service fees, which adds up to $3.05. That’s 50.4% of the bill! That’s a bit higher than the 25% they advertise.

I did the same experiment with several fares and Uber’s share always ended up coming up to 30-50%.

If you’re already an Uber driver, you can find this information by following these steps:

  • Click the EARNINGS tab at the bottom of the Uber app.
  • At the top, click EARNINGS THIS WEEK.
  • Click the date at the top to see earnings from the past and present.
  • Click the date range that you want to look at.
  • Click the exact date that you want to see.
  • Click the exact fare that you want to look at.
  • Scroll all the way to the bottom and click FARE DETAILS.
  • Scroll to the bottom again and you will see all the data that I’m talking about.

Uber driver pay

As you can see from all the steps it took to get to it, Uber did a great job of “hiding” this information.

They advertise 25%, so every fare should add up to 25% regardless of how much the passenger paid.

From what I was seeing, it looked like Uber took a higher percentage on shorter rides. Most rides are short.

I also saw an extra $4 taken off my pay from a $35.29 fare and they called it a Rider Fee, whatever that is. On this particular fare, my pay was only 61.15% of the bill ($9.71 + $4 = $13.71 taken out of $35.29).

Pretty far from the 75% that I was supposed to get.

In Uber’s defense, I did see a $20.46 fare that they only took 20% from, but they still need to find a way to make the fees more consistent like Lyft.


3. Lower referral bonuses

Once you’re a ride share driver, you can also make money by referring other drivers.

At the time that I wrote this article, uber was offering up to $50 for referrals. That would be okay except that Lyft was offering up to $725.

Tell me which sounds better to you.

Personally, I recommend you sign up for both because you’re getting a bonus either way. Start with Lyft. Get all the bonus money. Then do Uber when you’re finished. That’s the best way to maximize all the bonuses.


Uber Driver Salary

The actual rates charged to customers are different depending on what city you live in, so I won’t list them here, but your pay as the Uber driver is as follows:

The customer pays a set fee for each minute of the ride plus a set fee for each mile. A booking fee of $2.05 is added into that. Your pay is supposed to be 75% of the total bill, minus the booking fee. That’s not always the case, as we’ve discovered.

You keep 100% of any tips you get. Once upon a time, Uber drivers weren’t allowed to accept tips. They changed this rule to compete with Lyft.


Uber Requirements

Uber Requirements




Before you apply to be an Uber driver, make sure you meet these minimum requirements (applies to USA residence only):

  • At least 21 years old, 19 years old for Uber Eats
  • Had your driver’s license at least 1 year, 3 years if under 23 years old
  • Valid U.S. driver’s license
  • Vehicle with at least 4 doors
  • Proof of vehicle registration
  • Proof of auto insurance
  • Pass a driver background check
  • Pass a criminal background check


Uber Training

Training is mostly about how to use the Uber app. The Uber app does require a little more learning than most apps that I’ve seen.

I have also worked with the Lyft app and the Amazon Flex app. Uber’s required the most learning by far.

Using it to pick up passengers is easy. It gets a little more challenging when you want to look up past commissions and set driver preferences. It’s more to learn compared to everyone else, but still not hard.


Uber Support

Uber support is handled within the Uber app. You just click Account and then click Help.

A sub menu pops up with a list of topics including Support Messages, Trip Issues and Refunds, a Guide to Driving with Uber, Account and Payment, Signing Up, Feedback, Accessibility, Common Phone and App Issues, Legal, Safety and Security, and Community Guidelines.

The Uber team usually responds within a day or two.


My Final Opinion of Having an Uber Driving Job

Uber didn’t get an average rating because it’s a bad place to work. They got an average rating because they are average compared to their closest competitor, Lyft, or other delivery programs like Amazon Flex.

It seems like Uber has a lot of hidden fees to justify taking extra money from their drivers. Lyft doesn’t do that (as far as I know).

It’s still a good part-time driving job that I’d recommend for anyone who can meet the minimum Uber driver requirements and needs freedom to work when they want to.

Some people use Lyft and Uber together so if business is slow for one, they can use the other. That’s what I did, but Lyft was always my first choice.

FINAL RATING: 6 out of 10

Click here to Apply to be an Uber Driver

Click here to learn more about Being a Lyft Driver

Click here to see my #1 Recommendation

Did you enjoy this review? Are you already an Uber driver or thinking about becoming an Uber driver? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.

13 Ways to Get Investment Money

13 Ways to Get Investment Money

Ways to Get Investment MoneyIf you’re looking at this page, congratulations. It means you understand the value of making investments and you’re not afraid to take smart chances.

Being willing to take action is always the first hurdle to conquer. Finding money to actually make an investment with is the second.

I was broke when I first got into marketing online. In fact, being broke was the reason I started marketing online.

I wanted to make money, but I had no money to invest. I got creative. Here is a list of what I did to free up investment money.


1. Find a Roommate

I was at my all-time low in 2012. I was actually thinking about moving into a men’s shelter because I coulndn’t afford to pay bills. Being so close to being homeless plays a big part in what motivates me to succeed to this day.

I had heard a lot of horror stories about roommates. I was a little skeptical, but I found a website called The thing I liked about it was that everyone had to register and you couldn’t communicate with each other without paying a small fee.

Most crazy people would have enough sense to stick to free sites like Craigslist to make it harder for the police to track them if they did something crazy. Only sane people are willing to leave a paper trail.

I found a good woman who was professional and very easy to get along with. I was supposed to live there a year, but it turned into 2 years. Then I moved out for 2 years and ended up moving back in for 1 more year because she needed help with her bills. I figured I could help her by moving back in and once again save up more investment money for myself.

I’m not saying it’s impossible to have a bad experience just because you paid a fee, but it’ll reduce the number of crazies quite a bit if you do.

Living under someone else’s roof was a big change, but it was worth it because it freed $200-300 worth of investment money every month. I never would have made it if a hadn’t found a roommate when I did.


2. Become a Ride Share DriverBecome a Lyft Driver

One of the reasons I was at a low in my life was because of my car situation. I didn’t want to pay a car note, but my car was always breaking down so it seemed like I was paying a car note anyway when you factored in all the money I was spending to keep fixing it.

I decided to take a smart risk. I financed a two-year-old car that got great gas mileage and used it to start ride share driving with Lyft and Uber.

The car paid for itself. The car note was $265 a month. I make that in just one weekend of ride share driving. Anything after the first $265 was profit. Yes, you will spend a lot in gas and maintenance, but it’s all tax deductible, so it’s still worth it.

(If you’re thinking about ride share driving, I recommend you read my Lyft Driver Review first.)

About a year after I started driving with Lyft and Uber, Amazon launched a new delivery platform called Amazon Flex, which I thought was even better than Uber and Lyft.

I had refinanced my car by then. I was only paying $200 a month, so the profits were even better. Yes, there’s still interest eating into the profits, but the point of it was to make money now so I would have money to invest. The profits on the investment money will make up for the interest on the car if you make good investments.


3. Choose a Cell Phone Plan with a WiFi Option and Disconnect your Internet

I was paying about $70 for Internet per month. My cell phone company had a service plan that included unlimited high speed Internet and 10Gigs of high speed WiFi for an extra $20 per month.

If you don’t know, let me explain the difference between phone speeds and WiFi. The Internet that I got on my phone was unlimited. That meant I would have unlimited high speed on anything watched, heard, or browsed directly on the cell phone.

WiFi is different. WiFi is used to connect other devices to the Internet. I got 10 Gigs of high speed data whenever I connected something like my laptop or TV to the Internet through my phone, which was more than enough because I didn’t stream too much TV, and when I did, I just watched it on my phone to save WiFi data for business. It freed up an extra $50 worth of investment money.


4. Be careful not to waste too much on food

Deductr appI didn’t realize how much money I was spending on food until I joined a financial education company and made use of their app, which showed where every dollar I spent was going.

Being aware of how much I was spending on food put a few hundred dollars back in my pocket every month. Some people were even spending up to 4 figures on food because they were dining out so much.

As you can see from the screen cap to the left, I still continued to eat out but I was a lot more mindful of the total amounts that I was spending and was able to get the total down once I stopped with all the mindless eating. Using this app literally cut the bill from over $500 a month to something way more reasonable on food.

If you want the app, it’s included as part of your financial education.

5. Fiverr

I registered for Fiverr but was never able to sell a service on it. That doesn’t mean it won’t work for you though.

A lot of people have more money than time and they’ll be happy to pay someone else to do what they can’t or won’t do. Just spend a few minutes thinking about something that you’re good at that can be done through a computer and offer your services.


6. Wealthy AffiliateWealthy Affiliate

If you’ve been visiting this site regularly, you know Wealthy Affiliate is the platform that I use to run this site. It’s the program that has taught me the most about making money online and it’s directly responsible for the big leaps in progress that I’ve made in this genre.

Wealthy Affiliate has a paid version, but there’s also a free version that you can use to make money by sharing Wealthy Affiliate, or you can use their platform to market anything else you want.

For example, you can use the Wealthy Affiliate free website to set up a website to promote your new Fiverr business and learn some tips while you’re at it.

If you should happen to make any sales of Wealthy Affiliate, you’ll get a repeat commission for as long as that customer keeps their account open. Repeat sales to the same customer is an awesome way to get investment money faster.


7. Get the Smallest Housing Possible with Heat Included

This next one is a big step that involves changing homes, but anyone serious about getting investment money to make a better future won’t have a problem with it, especially if you live alone because you don’t have to consult anyone.

When I was working my way up, I always rented studio apartments to keep living expenses as low as possible.

Studio apartments are apartments that don’t have a bedroom. There’s just a bathroom, kitchen, and a giant living room that doubles as a living room and bedroom together. Studio apartments are usually $100-300 less than one bedroom apartments depending on where you live.

On top of that, I always chose apartment buildings that included free heat. That saved an additional $50-100 per month because I didn’t have a heat bill. Possibly more than that in the winter time.


8. Use a Credit Card

I’m totally against using credit to buy personal items because they cost you a lot more money in the long run.

When it comes to making investments, however, I’m all about using other people’s money because the profits from the investments can offset the interest on the credit card.


9. Take Out a Loan

As I said when I was talking about the credit cards, there’s nothing wrong with using other people’s money to make investments because the money you make can outweigh the interest lost on the loan.

A few years ago, I was doing really well selling products on Amazon, but I didn’t have the money that I have now, so I wasn’t able to keep up with the demand. Amazon only pays out once every 2 weeks. I’d sell out of all that I could afford to ship and then I’d have to wait for pay day to start selling my merchandise again.

By taking out a loan, I had more money to buy inventory. The profits from the extra sales offset the interest on the loan. I was able to make a lot more than I would have made without the loan.


10. Group Funding Projects

Group funding projects are awesome if you already have a little money to invest because they allow you to multiply what you have over a short time period. Here’s how they work:

A person or company has a project that needs funding. Multiple people invest their money into raising up enough money for the company to do what it needs to do. The company makes more money because of all the investments. The company then pays the people more than the amount that they invested.

As with anything, this is not 100% guaranteed. There is a chance that you could lose money, but usually when companies start group funding projects, they’re doing low-risk / high-rewards investments. The risk of losing money is still there, but it’s unlikely.

In fact, most of the time, profits are almost guaranteed, but companies aren’t allowed to say or write that it’s guaranteed because U.S. and Canada laws prohibit it.

11. Freelancer

As with, is an excellent way to offer a service to make some investment money. I like Freelancer better because you don’t have to start at $5 and try to get an up-sale the way you do with Fiverr.


12. Lose (or maintain) Weight Using the Eat Stop Eat Method.Save Money with Eat Stop Eat

This one is going to sound a little weird to some people, but I had started trying to lose weight because I’d found a way to get paid to lose weight.

I was struggling with it until I came across a weight loss strategy called Eat Stop Eat, which teaches you how to lose weight with intermittent fasting.

The course goes on to expose the food and fitness industry’s ulterior motives. They put so much false information on the market to keep you spending a ridiculous amount of money on courses, supplements, and workout equipment.

I took a liking to fitness in 2005. I liked it so much that I wanted to be a personal trainer. I got certified in 2007.

I stopped using my methods of staying shape (which were working and just happened to be similar to what is taught in Eat Stop Eat) and started using the methods outlined in my personal trainer classes. The more I used their strategies, the harder it was to stay in shape. I eventually gained so much weight that I couldn’t work as a personal trainer.

Fast forward to 2016. I don’t remember how I found Eat Stop Eat, but I bought the course because it peaked my curiosity.

Their strategies reminded me a lot of what I used to do when I was in shape. I didn’t start having trouble with my weight until I tried to adopt today’s standard of weight loss, which explains why so many people struggle with it.

It turns out that a lot of false information is intentionally put on the market to keep you spending money.

If done correctly, fasting for short bursts helps lose weight, maintain weight, and builds a stronger immunity system.

They don’t want you fasting because there’s not much money to be made from it. If you’re fasting, you’re not spending money on food, which is why Eat Stop Eat made it to this list. It’s a great way to get in shape and save investment money at the same time.

Buy the course. Implement the strategies. Save a ton of money on food, workout equipment, and supplements that you don’t really need.


13. Buy Crypto-Currency

So many people have told me they wish they had known about Bitcoin in 2009. Fact is, we’re still in the beginning stages of the crypto-currency changeover and there’s still a lot of money to be made.

You don’t have to have a lot of money to buy crypto-currency. You can buy as little as $1 worth, however you get an extra $10 free if you buy at least $100 worth of Bitcoin from Coinbase. Buy an amount that you can afford to be without for an extended period and let it appreciate.

Click here to see my #1 Recommendation

Did any of these tips help you find ways to get investment money. Do you have any ideas that I might have missed? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.


How to Become a Lyft Driver – Reviews

How to Become a Lyft Driver | Lyft Driver Reviews

Name: LyftHow to Become a Lyft Driver

Price: Free
Type: Ride Share / Freelance Jobs
Overall Rank: 7 out of 10

In this article, I am going to show you exactly how to become a Lyft driver, but before I get into that, I’m going to give you a full review of what it’s like to be a Lyft driver so you know exactly what you’re getting into.

If you don’t need to read Lyft reviews because your mind is already made up, feel free to skip the reviews and apply to be a Lyft driver from this site to be eligible for extra bonuses.

What is it like to be a Lyft Driver?

It has its ups and downs. You take the good with the bad. Nothing in life is ever 100% perfect so I’m going to break down everything good and bad and let you decide for yourself if it’s worth doing.


What I Liked about Being a Lyft driver:

1. You work when you want to work.

One of the most appealing things about being a Lyft driver is you work when you want to work, but that depends on how much money you need to make. I talk more about that later on.

2. Tax write-offs

Tax Deductions for Ride Share BusinessYou get a lot of tax benefits when you use your vehicle for business use. There are two ways to get tax cuts. The first is to claim all the mileage that you drive for business. At the time that this article was written, you got 0.535 cent per mile and that adds up to big savings on your taxes. This is the method that most people use because it’s easier.

The other is to actually track everything you spend on the car that was for business purposes, like fuel, car washes, maintenance, etc, and then claim those. This method takes more knowledge of taxes so I wouldn’t recommend doing it without talking to an accountant.

Use Mile IQ to track your miles or a spread sheet. I used a spread sheet for a year before I decided to try Mile IQ. It makes tracking miles way easier.

3. Above all else, Lyft bonuses are awesome!

Lyft has the best bonuses of any ride share program out there. It seems like they always have at least 2 or 3 running at the same time. Here’s a description of each.

Lyft Streak BonusLyft Streak Bonus

This is when Lyft rewards you for completing rides back-to-back without turning any of them down or turning the Lyft app off. I’ve seen the streak bonus go anywhere from 3 in a row to 5 in a row.

You usually get a $3-5 bonus per ride given. For example, they might be offering a bonus of $12 for completing 3 rides back-to-back. After the third ride, $12 is added to your pay.

Once you’ve completed the first cycle, it starts over and you get another bonus for each streak you complete within the bonus time frame.

Power Driver Bonus

What is the Power Driver Bonus? This bonus is available every week and it’s perfect for people who drive full time because they add such a substantial amount of money to your pay.

Power Drive Bonuses go week to week. You complete a certain number of rides, a certain number of peak hour rides, and keep your acceptance rate at a certain level (usually above 90%) and that qualifies you for a bonus.

In my area, the last time I drove for Lyft, the Power Drive Bonuses ranged from $35 – $195. The amount of money more than likely varies depending on what city you drive in.

4. Get paid immediately

Lyft pays once a week. Pay periods go from Monday 4AM to the following Monday at 3:59AM.

You have an option to get paid as soon as you earn money, though. As long as you’ve made more than $5, you can have the money transferred into your bank account right away. The money usually shows up in your account within an hour of cashing out.

You can do this as many times as you want, but Lyft charges 50 cents per early cash out.

Lyft pays everything you earn during a pay period on the Wednesday following the end of the pay period. It doesn’t cost anything if you wait until normal pay day.


What I Didn’t Like about Being a Lyft Driver:

1. Lyft will beat your car up

You do a lot of driving with Lyft. You never know where your passenger is going until after you pick them up so you could end up anywhere.

I’ve driven as far as 130 miles for a single ride before. You have the option to say no, but keep in mind that turning down rides after you’ve accepted them counts against you.

2. You’re not quite as free to work whenever you want as you think you are

If you just need some extra income to supplement your income, yes, you can turn the app on at any time and make just enough to cover some bills and have spending money for the weekend.

But let’s say you’re unemployed, on the other hand, and need enough to cover the rent, gas, insurance, and everything else.

If that’s the case, you will probably have a little less freedom choosing when you want to work because you’ll need to work when the most people are requesting rides. That would be Monday-Thursday mornings when people are going to work and then early evenings when it’s time to come home; Fridays all day and night; Saturday evenings; Sunday mornings; and of course, special events.


Lyft Driver Salary

Lyft charges passengers a base fare, a rate per minute, and a rate per mile. You get 75% of all of that added together.

These rates, minimum commissions, and maximum commissions vary city to city so I’m not going to list them here.

Lyft Cancel Fee – if you accept a ride request and the passenger cancels more than 2 minutes after you accepted it and you were on pace to get there within 5 minutes of the estimated time, you still get a commission.

No-show Fee – if you arrive to pick up the passenger, wait 5 minutes or more, and try to contact the customer through the app, you can cancel the order and still receive a commission.

Lyft Driver Requirements

  • Must be at least 21 years old
  • Must have had your license for 1 year minimum
  • Three moving violations in the last 3 years or less
  • No major moving violations in the last 3 years, like reckless driving
  • No DUI or other drug related incidents
  • No driver-related convictions like hit-and-run
  • Must pass a criminal background check in which they’ll check for violent behavior, felonies, drug convictions, sex offenders, and theft.
  • 4-door vehicle in safe condition
  • 2002 or newer unless you live in:
    • Alabama: Birmingham, Mobile, Huntsville 2008
    • Arizona: Phoenix, Tucson 2002
    • California 2004
    • Colorado 2004
    • Washington DC 2008
    • Hawaii 2002
    • Illinois: Bloomington 2008
    • Illinois: Chicago 2004
    • Louisiana: New Orleans 2010
    • Maryland 2008
    • Massachusetts 2004
    • Minnesota: Duluth 2008
    • Minnesota: Minneapolis-St. Paul 2005
    • Nebraska: Omaha 2002
    • Nevada: Las Vegas 2008
    • Nevada: Reno 2002
    • New Jersey 2004
    • New York: New York City – Vehicle age requirements governed by the TLC
    • New York: (all cities except NYC) 2004
    • North Carolina: Charlotte, Raleigh-Durham 2002
    • Pennsylvania 2004
    • Ohio: Cleveland, Cincinnati, Toledo 2002
    • Oregon: Portland 2008
    • Rhode Island: Providence 2004
    • South Dakota: Sioux Falls 2008
    • Tennessee: Nashville, Jackson, & Cookeville 2004
    • Texas: Austin, Dallas, & Houston 2004
    • Vermont 2008
    • Virginia: Charlottesville, Fredericksburg, Lynchburg, Richmond, Roanoke, & Harrisonburg 2005
    • Virginia: Virginia Beach 2002
    • Washington: Seattle & Tacoma 2008


Lyft Driver Training

Training is relatively easy because all you’re really doing is picking people up and dropping them off. Most of the training revolves around how to use the Lyft app.

They have videos that walk you through the process from start to finish. It’s no more complicated than using any other app. You’ll understand it within 1 or 2 tries.


Lyft Driver Support

Help is available by support ticket.


My Final Opinion of Being a Lyft Driver

Personally, I think Lyft is worth doing, and I’d recommend them over their competitor, Uber, because they take less in booking fees and offer way more bonuses, but I wouldn’t recommend ride share driving full time unless you live in a city that’s busy enough to keep you driving every minute that you’re out there, like New York, for example.

Even then, be sure to keep up on maintenance, save a little money to cover repairs so you’re not out of a job if anything goes wrong with your car, and please, please, please, don’t forget about taxes.

Lyft doesn’t take taxes out so you’re responsible for paying them. Remember, you’re not an employee; you’re an independent contractor.

FINAL RATING: 7 out of 10

Click here to see my #1 Recommendation

Click here to Become a Lyft Driver

Did you enjoy this review? Are you already a Lyft driver or thinking about doing it? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.

FES – Financial Education Services Reviews

FES – Financial Education Services Reviews

Name: FES – Financial Education ServicesFES - Financial Education Services Reviews

Price: $189-289 plus $89 monthly
Type: Network Marketing, MLM
Overall Rank: 6 out of 10

What is FES – Financial Education Services?

Financial Education Services is a credit restoration company that is often referred to by its initials, FES.

Since going into business over 10 years ago, FES has expanding to 13 services and added a multi-level marketing platform to help people make money by sharing the business. If it has anything to do with financial education and security, this company has it as one of its services.


What I Liked about FES:

1. It’s more than just credit restoration

There are other credit repair services that charge the same or more than Financial Education Services, but only offer one product, credit repair.

FES has credit repair, life insurance, Life Lock, credit monitoring, secured credit cards, and more. It’s one of the few credit repair services that gives you a reason to keep the service after they’re done fixing your credit.

2. Charity donations

Youth Financial Literacy Foundation charityThis one is kind of a plus and a negative at the same time. The price of Financial Education Services used to be $87 per month. They raised it to $89 per month. The extra $2 goes to the Youth Financial Literacy Foundation.

That’s great. I’m all for charity, but if they wanted to be so caring, they should have left the price at $87 and took $2 of their profit to donate to charity.

I don’t think customers should be forced into making donations, and if they are, at least let them choose the charity they want to donate to. But regardless of that, it’s still a good cause.

3. Free life insurance that doesn’t check your health.

After you reach a certain level of success on the network marketing side of the business and you’ve been with the company for a certain amount of time, you’re eligible for free life insurance.

This is a great benefit for everyone, but especially great for people who might have had trouble getting life insurance on their own because of health issues.

FES doesn’t check your health before you’re awarded the life insurance. The only thing they check is how well you’re doing at sharing the network marketing program.

4. Free credit repair, life insurance, and everything else after 5 sign ups.

The thing I like about Financial Education Services is that every product is something important that people need in their lives. FES has credit repair, credit monitoring, articles, and a few other things that I’ll get into later. There are 13 services in all, and they’re all important products that contribute to good financial well-being.

To make it even better, you can have all those services for free if you join the networking marketing opportunity and sponsor 5 people into the business. It doesn’t matter if they’re customers or reps as long their account is active.


What I Didn’t Like about FES:

1. Seemed like they were making it last longer than it needed to.

Credit restoration time lengthYears ago, I was in financial trouble. I wasn’t able to pay a lot of my bills so my credit was very poor. I filed bankruptcy and worked on making my credit better by making sure I was perfect on everything that came after the bankruptcy.

It wasn’t until I heard about Financial Education Services that I even knew credit restoration was an option.

I will give FES credit for getting the bankruptcy taken off my credit report. They got it off within the first three tries.

Unfortunately, when they got it taken off, all the late payments that the bankruptcy wiped off my credit report were added back on. I had no idea that was going to happen. I was very upset.

My sponsor told me to just stay the course, meaning FES would challenge the late payments that had been added back on. It made sense, but it meant I’d have to continue paying that membership fee for who knows how long while they tried to get them off and there was no guarantee they’d ever get them off.

FES seemed to wait an unnecessarily long time to send the challenges in. It was always exactly once every two months even when I’d sent them all the updates a lot sooner than that.

It didn’t make a difference whether I sent the updates in 3 weeks or 7. They’d always wait a full 2 months to send the new challenges. It dragged the process out longer than it needed to.

2. Do you know you can fix your own credit?

Unless you’re someone who has a lot more money than time, you might want to consider learning how to do this yourself.

Credit repair is not difficult at all. I only joined Financial Education Services because I was more interested in the money-making side of the company. When I found a better way to make money (see my #1 recommendation), I decided to start looking into finishing the process myself.

Search google for the phrase “how to do credit repair myself” or “how to do credit restoration myself.”

Or if you’d rather I post an article about how to fix your own credit, leave a comment at the bottom. If I get enough requests, I’ll do it.


Who is FES For?

  • People in need of credit restoration
  • Network marketers
  • Anyone whose credit score is below 700
  • People looking to augment their financial education
  • Entrepreneurs

FES Products and Services

The main product is called the Protection Plan membership, which includes all 13 services:

  1. Credit Education – articles about financial matters
  2. Credit Builder – the credit restoration program
  3. Credit Attoney
  4. Smart Credit
  5. FES Debt Zero
  6. Life Lock – credit monitoring service
  7. Financial Lockbox
  8. Life Insurance (only available to MLM reps) – up to $100k
  9. FES Travel – discounts on travel
  10. My Care Plan
  11. Discount Shopping – self-explanatory
  12. YFL Family Mint
  13. RX Discount Card – discounts on prescription drugs

Of these services, the one I found most helpful, aside from the credit builder, was the credit education articles. Reading these files is also what made me realize I was doing myself a disservice by allowing someone else to repair my credit.

The articles were interesting, easy to follow, and they made me realize it was best to learn how credit works so I would always know how to handle situations when they came up.

I’m not going to list everything, but some topics covered were…

  1. The history of credit scores
  2. What’s included in your credit file
  3. What to look for when reviewing your credit file
  4. What is Vantage score
  5. How to maintain good credit
  6. Prepaid cards
  7. Debit card management
  8. Home equity loans
  9. Credit building tips
  10. Identity theft
  11. Credit myths

As intriguing as they were, information on any of these subjects can be found with a Google search.


FES Compensation Plan

The compensation plan is huge bonuses with mediocre residual monthly commissions.

The figures that you’re seeing below are all bonuses that you get from the initial signing of a new member. You get $12 per month for every month that they keep their membership active.

FES Compensation Plan

Financial Education Services Support

This is a network marketing company and they only way in is to join under a rep so you’ll have support in multiple ways.

Your sponsor will usually be a part of a team that does periodic trainings for other reps and customers.

You also get help from corporate by calling FES at 248-848-9065 or emailing them at


Financial Education Services Price

The FES Customer enrollment fee is $189 plus $89 per month.

The FES network marketing rep fee is $289 plus $89 per month.

As a network marketing rep, you don’t have to pay for your membership once you’ve sponsored 5 people into the business as customers, reps, or any combination of the two.


My Final Opinion of Financial Education Services

FES has great services as far as providing education for financial matters, but I question the amount of time it takes in between challenges.

If the only thing you’re interested in is getting your credit fixed, I’d recommend Lexington Law, which has good reviews no matter where you look, or just learn how to do it yourself. It isn’t hard.

The money-making opportunity has huge bonuses, but the residual income is so minuscule compared to the price you pay that I wonder if it’s even worth it.

If you’re looking up information about FES because you want to make money and educate yourself on financial topics I would recommend Wealth Generators instead. Like FES, you will get a financial education, but you’ll also get several services whose only purpose is to make you money on their own.

Or consider my #1 recommendation, Wealthy Affiliate. It has the best system for turning people who have never made money online into superstar Internet marketers. Either of the two would be a better choice.

FINAL RATING: 6 out of 10

Click here to see my #1 Recommendation

Click here to visit FES

Did you enjoy this review? Are you currently a member of FES or considering joining? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.


Healthywage Reviews

Healthywage Reviews

Name: HealthywageHealthywage Reviews

Price: Free
Type: Affiliate Programs
Overall Rank: 9 out of 10

Healthywage vs Healthy Wager

Healthywage has two ways to make money. The affiliate program is one. Participating in the weight loss program is the other.

Healthywage is the name of the company. You make money with the affiliate program by promoting the actual company. This is something that would appeal to entrepreneurs.

Healthy Wager (with an R) is the name of the weight loss incentive program that Healthywage owns. This would appeal to people who want to get paid to lose weight.

This review is for the Healthywage affiliate program, which would appeal to entrepreneurs. You do not have to participate in the weight loss incentive program to make money with this.

We have a separate review for the Healthywage Challenge, which is for people who want to lose weight.


What is Healthywage?

Healthywage is a company that hosts a weight loss incentive program.
The concept is very simple.

Studies show that many people do better when they have a financial incentive to lose weight. Healthywage allows people to place a bet on how much weight they will lose within a specified period.


What I Like about Healthywage:

1. Unlike network marketing, you don’t have to be in it to win it

You have to be a member of Healthywage to use the referral program. The affiliate program, on the other hand, works independently of the services.

You can use the affiliate program even if you’re not trying to lose weight, which is great because not everyone wants or needs to lose weight. If you can get approved by Share a Sale and Healthywage, you’re good to start making money from this unique service.

2. It’s the perfect merger of 2 BILLION-dollar industries

I was excited when I heard about HealthyWage because I could see the potential to make substantial income right away.

“Making money” has become a billion-dollar industry online, but it usually involves some kind of selling or recruiting, which most people are bad at and not willing to learn. Fitness has always been a powerhouse for making money.

Putting them together is genius. Not having to take any risks to promote is even better.

If you sign up for the affiliate program and follow their instructions, this can be a very lucrative side hustle.


What I Didn’t Like about Healthywage:

1. Third party affiliate tracking

ShareASale affiliate trackingI didn’t like the fact that they use a 3rd party company to track affiliate sales. That company is called Share-a-Sale.

Share-a-Sale takes longer to get started with than many people are used to. That’s a good thing in some ways, though.

You enroll by filling out two forms. The first is an application for Share a Sale. Once you’re accepted by ShareAsale, you do a search to Healthywage on their site. Then you fill out another application to apply for Healthywage.

Basically, you have to get accepted twice. That can drag the process out longer than most people would like, but on the positive side, once you’re accepted, you can start promoting Healthywage and any other affiliate program that Share a Sale hosts, which numbers in the thousands.

Side note: This really isn’t that big of a deal, but I can be impatient sometimes, so it seemed like it took forever to get an answer when in reality it was only 2 days. It only seemed like a long time because I’ve gotten used to getting started right away with most affiliate programs.

2. No commissions on certain sales

You only get paid for the original HealthyWager sign up. If anyone you refer participates in any of the HealthyWage Challenges other than the Team Challenge, you don’t get a commission for those transactions.


Who is Healthywage For?

  • People who want to make money online
  • People in the money-making genre who want to make money in fitness too.
  • Affiliates who already have a account
  • Anyone who already has a fitness site or wants to start one
  • People who know people who want to lose weight


Healthywage Products and Services

A separate review was written for the products and services to avoid confusion.


Healthywage Tools & Training

Healthywage does have training tips on sign up page that involve how to promote using social media and testimonials.

Here is part of the email that I was sent when I was accepted into the affiliate program:

1) HealthyWage challenges sell best when they’re promoted with supporting science, statistics and success stories. It’s a content-driven product. As such, banner ads do not perform very well as a sales tool and are not provided nor allowed in our program.

2) You can find specific information, suggestions, and links to content you can use in our affiliate hub here.

There were a few examples of content-driven articles, social media posts, and videos from top performers on the page.

Your own testimonial carries a lot more weight than anybody else’s, though, so if you need to lose a few pounds, I’d recommend you not only promote it, but use it too. Be sure to read the HealthyWager review if you’re going to do that.


Healthywage Support

Support is handled by ShareASale via support ticket, phone, and email.


Healthywage Compensation Plan

MoneyYou earn $50 for each personal HealthyWager sign up.

You earn $30 for each Team Challenge participant. If a team has 10 members, you’d get $300 for that sign up.

Minimum payouts are $50.

Sales are tracked with cookies. Cookies are good for 30 days.


My Final Opinion of Healthywage

Promoting this company is a no-brainer. It doesn’t take much of an extra effort and it appeals to anyone who’s in the process of losing weight or thinking about losing weight.

Not only do you make money for yourself, by telling people about this contest, you might be giving them the only thing needed to finally get up and take some action.

I had been planning to lose weight for 4 years, but I was always too preoccupied with making money to take action. Healthywage allowed me to align my money-making goals with my fitness goals and I finally took the first step towards losing weight.

My blood pressure was dangerously high at the time, so whether I win or lose, they might have saved my life with this service (I have every intention of winning though).

Be the life saver for someone else and put some cash in your pocket while you’re at it.

FINAL RATING: 9 out of 10

Click here for my #1 Recommendation

Click here to visit Healthy Wage. Scroll to the bottom and click “Affiliates.”

Did you enjoy this review? Are you already an affiliate of Healthy Wage or thinking about promoting it? I like to hear from my readers. Use the Comments field below to tell me what you think, and if you got any value from this review, please Share it.