Swurby Reviews is Swurby Limited a Scam or Should I Invest

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Is CashCrate a Scam? Honest Review [Updated 2020]

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CashCrate is a GPT (“get paid to”) website that offers several ways to earn money online.

There are many reviews and complaints about it online, some claiming it’s a scam, and others calling it 100% legit and safe.

In this post, I’ll be reviewing CashCrate in detail. Hopefully, my review will help you decide whether or not it’s a site you’d like to join.

CashCrate Review

Website: www.cashcrate.com

Owners: Patrick Clochesy & Joe Coleman

Price: Free

Rating: 74/100

How Does CashCrate Work?

CashCrate users can take surveys, complete paid offers, play games, and more – each of these tasks pay a few cents to a dollar. CashCrate has been around since 2006, paying out over $3,000,000 to its more than five million members. As you can see, the average amount earned per member is less than a dollar. That statistic alone essentially sums up my feelings about CashCrate. ��

Although an average member earns less than one dollar, there are plenty of members who have earned thousands of dollars on CashCrate. So, the potential is there if you spend a lot of time filling out surveys and doing offers. However, I would recommend spending your time doing more productive things instead – like affiliate marketing.

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The Signup Process

When I clicked the “register” button, I was excited to see that I only had to provide my email and a password:

But after submitting that information, I was hit with this:

Unfortunately, this is a common trait among GPT sites.

You have to provide an uncomfortable amount of personal information.

It’s not too worrisome though, because they will only use your address in order to send you the cash you may earn in the future. So yes, your information is safe.

The only time that information might not be safe is when you hand it out to third-parties when you’re doing a paid offer (which I highly recommend against).

Ways to Make Money with CashCrate

Below I’ve compiled a list of all the different ways you can earn money with CashCrate. As you’ll see, some are more lucrative than others:

1. Confirm Your Email Address + Take Profile Survey

By confirming your email address after you join, you’ll get $1 free. You can also complete a quick “profile survey” which asks for a little more information about you. Doing this will earn you an additional $0.50.

2. Take Surveys

This is one of the main ways to earn money on CashCrate. There are multiple surveys available at any given time, so running out of surveys to take is highly unlikely. You should be aware that paid surveys are not a reliable way to earn money. Oftentimes you’ll disqualify from a survey because your demographic wasn’t what they were looking for. In my experience, disqualifying is actually a lot more common than being able to finish a survey, which is just another reason why I think surveys are a huge waste of time.

Typically, surveys pay in the $0.25 to $2 range, and the payout depends on the length of the survey. Therefore, a 5-minute survey is likely to pay a minimal amount, while an hour-long survey may pay a couple dollars.

3. Complete Offers

These are where you can get paid to sign up to an email list, create an account on another website, or even pay for a product. In return, CashCrate will award you with a little pocket change.

Paid offers are definitely the quickest way to earn money on CashCrate, although they are the riskiest as well.

There are many complaints from people who have done offers that require your phone number or email address (almost every offer requires at least one of these two things) that you’ll end up with lots of spam calls or emails.

Offers that require your credit card info are also quite risky. Most of these are free trials, and your card won’t be charged as long as you remember to cancel the trial. But if you forget, there’s nothing you can do about it.

I only ever do offers that I have a genuine interest in, and ones that only require minimal information – such as just my email address. I created a dedicated spam email for these types of things, so my main one stays spam-free.

In general, free-trial offers that require your credit card info pay the highest, even up into the $10+ range. So, if you’re good at remembering to cancel free trials and you don’t mind giving out this information, this is a very fast way to make money with CashCrate.

On the other hand, offers that only require your email address pay just pennies.

4. Watch Videos

This section allows you to watch videos for cash. The payout is terrible though; amounting to less than a dollar per hour.

Also, this section is only available to members from the United States.

5. Shop and Get Cashback

CashCrate offers a list of stores – such as Walmart and Macy’s – to shop from, and when you purchase something you’ll get a percentage cash back.

From what I saw, the cash back percentage was in the less than 5% bracket for the most part, although there were a few offering up to 9% back.

6. Paid to Check In

Each day, you can check-in, which simply means clicking a link that takes you to an offer or survey within CashCrate.

You’ll be paid 3 cents each time you check-in, and no, you don’t have to complete the offer or survey you’re taken to.

7. Refer Others to CashCrate

This is where the real juice – or pocket change in this case – lies.

The referral system is two levels, causing some people to call it an MLM.

However, since it’s only two levels deep, it doesn’t go all the way to the top and therefore cannot be considered a real MLM.

You will earn 20% of everything your direct referrals earn, and 10% of everything their referrals earn.

However, that’s just for the first level. In all, there are 5 levels you can achieve: Bronze, Silver, Gold, Platinum, and Elite.

Below are explanations for each of the 5 levels:

A Point System Offers Even More Ways to Earn

CashCrate is the first GPT site I’ve come across that uses two separate currencies. One is regular US dollars, and the other is a “points” system.

Points can be earned by completing certain offers, surveys or videos.

They can also be earned by playing simple games, like Solitaire. These activities will only pay out a few points each, so it really takes a long time before you can accumulate enough to do much with.

How do You Use Points?

There are a couple options when it comes to redeeming your points.

One is by playing a game called “Crates”. This game is based on pure luck though, so I would recommend against playing it. Below are a couple screenshots of the game and how it works:

The other way points can be used is by redeeming them for prizes like Amazon, Starbucks, and iTunes gift cards.

As you can see in the image below, it takes a LOT of points to redeem a prize though.

How Much Can You Earn with CashCrate?

If you’ve read through this far, you’ll have a pretty good idea of how much you can expect to earn.

Basically, it comes down to how active you are and what tasks you complete.

Technically, you could earn $50 in your first day as a member, but that would only be possible through completing free trial offers, or getting a massive number of referrals.

By spending only a few minutes per day on CashCrate doing low-risk (low-paying) offers and surveys, I wouldn’t expect to make much more than a few dollars a month.

How Does CashCrate Pay?

The first payment is made by check, but after that other options like PayPal and direct deposit become available.

One neat feature is a “payment wall”, which shows images of checks or PayPal emails people have received from CashCrate as payment proof.

Is There a Minimum Payout Threshold?

Yes, you need to have at least $20 before you can cash out. This is pretty high for most GPT sites, and is one of CashCrates’ MAJOR cons.

CashCrate Complaints

As I said in the introductory paragraph, CashCrate has accumulated numerous complaints over the years. Most of them are listed below:

Takes forever to reach $20

Most people aren’t willing to complete the high-ticket offers because of the credit card information required. That leaves people with very limited earning potential, meaning it could take several months before you have enough to cash out.

You’ll disqualify from most surveys

In my experience, it’s the rare survey you’ll actually qualify for. I tried three, but wasn’t a match for a single one of them. This is because the companies conducting these surveys are looking for a very specific demographic and if you’re not a match, you won’t be able to participate.

If you’re not careful, you’ll get spam phone calls and emails

Before completing any offer that requires your email or phone number, be sure to read the privacy policy or terms of service they provide. That way, you’ll be warned of any possible consequences ahead of time and will be able to determine whether it’s an offer worth completing or not.

Only one account allowed per household

This is a common thread among all GPT sites. Only one member of a household may access the site, in order to guard against fraud. So yeah, make sure you don’t refer your family members.

Your account will be terminated after 90 days of inactivity

Make sure to stay active at least once every three months if you like CashCrate!

The 3-cent check-in only works on certain days

According to several complaints, the check-in does not always work every day. Apparently CashCrate is experiencing technical issues in regards to this.

CashCrate Pros vs. Cons


  • 100% free
  • Easy way to earn a little pocket change online
  • Available outside of the United States
  • Extremely lucrative referral system for a GPT site


  • You’ll receive loads of spam if you’re not very careful
  • High payout threshold
  • It’s the rare survey you’ll qualify for
  • The pay is not worth your time

Final Thoughts

CashCrate is a legitimate GPT website with multiple ways to earn money. You can’t become rich from it or anything, but if you can rack up a good number of referrals, the income potential is actually pretty good.

I know of several people making over $500/month from referrals alone.

If you plan to join CashCrate, just keep in mind the complaints I’ve listed in this review. I would highly advise that you play it safe and only do offers you have a genuine interest in, and whenever you feel iffy about providing certain personal information, just skip that activity.

There are some other (much better) ways to make money online without handing over nearly as much personal information, and the earning potential is far greater as well.

I’m talking about affiliate marketing, specifically.

Affiliate marketing is what I do, and although it’s hard and time consuming initially, it’s easily possible to earn a full-time income from it within a year.

If this is something you’re interested in learning more about, feel free to check out this post I wrote about it.

Have you ever used CashCrate? Do you feel it’s a scam or legit? Feel free to leave a comment below, and if you have any questions, I’d love to help out!

Serious about Making Money Online? Click Here to See My #1 Recommendation!

I only recommend products or services that I believe to be legitimate and beneficial to my readers. When you sign up for CashCrate through any of the links provided, I will receive compensation.

Cedar Finance Review

Cedare Finance have ceased all operations. Please visit our recommended brokers page.

Let me guess, you recently watched a youtube video about how to easily make money and the video used a website called Cedar Finance (www.cedarfinance.com). The video presenter showed you how easily he turned $100 into $250 within 60 seconds trading the 60 second binary options on CedarFinance. The idea of making a hundred dollars a minute is pretty darn good, unless you are Bill Gates. After seeing the video you wanted to see if it is legit. Can you really easily make money binary trading at Cedar Finance. Legit, scam or what?

*Scroll down for a growing selection of trader comments (50+ and growing), complaints and scam warnings. Since this post was published in October of 2020 we have had dozens upon dozens of traders add their recent experiences. If you have traded at CedarFinance, good or bad, please leave your experience in the notes for others and share this page on facebook.

Is it a Scam? Or is CedarFinance Legit?

Let me be clear. We are not saying that CedarFinance.com is a scam. This page is not claiming that they are a scam or proclaiming that they are legit and honest. We do not know either way as we have not traded binary options there, nor done enough research into the company.

We have seen a flood of youtube videos featuring CedarFinance and how easy it is to make money trading binary options there. Specifically we are talking about the 60 second videos claiming just trade with the other traders and easily make money.

You may have seen it, but it was the youtube video you watched where the trader showed that all you have to do is to bet with the majority of other traders and make money and that it works most of the time.

Lol, I love the first comment on the youtube page from DChappelle27 that says:

its not easy to make money… dont be a fucking retard, use common sense

The ‘super dooper easy way to makey money’ is the scam.

It’s not Cedar Finance that is the scam, they very well may be legit (we do not know, we have not traded there ourselves. It’s the claim made in the youtube videos that all you have to do is trade with the same direction as the other traders, by looking at the current opinion of traders.

60 Second Binary Trading Legit Or Not?

Yes, binary options trading in and of itself is legit and legal. And yes, 60 second binary options do exist and they are growing in popularity. Especially among gamblers and intelligent risk takers who like the fast action that one minute binaries allow.

What is not legit are the youtube videos saying that anyone and everyone can quickly, easily and virtually risk free make a lot of money fast.

That you can stick it to the ‘rich banksters’ just by doing anything a monkey could do.

Look, it is true you can make a lot of money fast trading binary options.

However you can lose a lot of money fast as well and there is plenty of risk. Even with the risk being limited and known up front, which is one of the reasons traders consider binary options safe there is still plenty of risk involved.

You can trade binary options the right way, responsibly. You can also trade binary options the wrong way and that is following the scam claims of the CedarFinance youtube 60 second binary options videos that say all you have to do is make your trade in the same direction as the majority of other traders using something they call the traders choice. This is a representation of what the other traders are doing in this trade now.

Breaking Down How The Cedar Finance Scam Youtube Videos Might Work

We do not know this for certain, however let’s take a minute to think about what may be going on there with these youtube videos appearing for many binary options keyword searches in google.

The likely scenario is that an affiliate created these videos. This affiliate is trying to lure people who are looking for a quick way to make a buck into making a deposit at Cedar Finance. The affiliate could have a ‘revenue share’ affiliate account. The way the revenue share affiliate accounts work at binary options brokers is that the affiliate makes money when the trader (you) lose trades. That’s right, rev share affiliates earn their money by you losing yours! That’s one reason we never do rev share affiliate deals, only 1 time ‘CPA’ or ‘Cost Per Acquisition’ payments, because we want you to win!.

So this affiliate finds an easy way to trick convince people to try binary options trading. The video makes it look really, really easy. And to be honest, it is that easy and you can make that much money fast with binaries. However just by trading with the majority traders choice is a recipe for failure. You can not and will not win huge money doing this.

The affiliate gets you to sign up, knowing full well that you are very likely to blow your account. The affiliate is likely to earn 30-40% of everything you lose.

The reverse is also true. If you win, the affiliate loses.

So, let me ask you, do you think this type of affiliate wants you to win or lose? Are they going to show you a strategy that is likely to work or likely to fail?

Again, that’s why we are CPA affiliates which pay us a 1 time fee for introducing you to the broker. We want you to win!

Example YouTube Videos To Be VERY WARY OF

Lol, I love the first comment on the youtube page from DChappelle27 that says:

its not easy to make money… dont be a fucking retard, use common sense

Oh, and who could make it if they didn’t know this ‘binary options secret’.

So, Where Should I Trade Binary Options

Find a reputable broker that you feel comfortable with.

You can see a growing list of brokers on our home page and read through to each of the reviews. You can see comments, ratings and reviews left by our editorial staff as well as real traders. The comments are un-censored other than spam.

One of our favorite brokers that offers 60 second options is TradeRush. We’ve constantly been on the lookout for traderush complaints and so far so good. Give them a try if you are looking for a legit binary option broker in order to trade 60 second binary options.

If you still decide Cedar Finance is for you then we wish you best of luck in your trades. Read all the comments, ratings reviews below and please add your own experiences.

IIInvestments.com review – are they good or scam?

Beware! This is an offshore broker! Your investment may be at risk.

Don’t put all your eggs in one basket. Open trading accounts with at least two brokers.

IIInvestments.com appears to offer an interesting investment alternative. However there are certain issues with this “entity”. First of all there is no legal entity mentioned as the potential investors’ counterpart. This automatically excludes the possibility of financial regulation. As you may know government agencies like SEC in the US, FCA in the United Kingdom regulate participants in financial markets. These regulators enforce certain rules, whose aim is to protect investors. IIInvestments is not registered with any such agency.

Who is behind it?

The website states, it is owned by the aptly named “III Global Group” (https://beta.companieshouse.gov.uk/company/10367090). A quick inquiry tells us the company was incorporated in September of 2020 which begs the obvious question: “who was operating it before that, since the track record goes back 2020?”. The inception capital is 1 GBP. This seems like a company, serving only to operate the website, which is not the legal counterpart for a potential investment.

IIInvestments’ board of directors appears to be full of unknown people and that is saying a lot in the digital age. With the self-proclaimed 27M EUR Assets Under Management, the company’s PR activities could have been a bit more effective. This is especially so if they are to fulfill their goal of increasing that amount to 100M EUR.

How it works?

The website also does not make it entirely clear how the investment scheme works. For example: what is the holding/redemption period of the investment (assuming it operates like a hedge fund)? On the other hand there are some hints of it being a PAMM scheme. There are slight traces of both in the description, but no precise definitions are given. This is a major issue, as it is obviously better to present the investment opportunity with the greatest amount of detail, especially if you are to attract high net worth individuals (who are more sophisticated investors).

That being said the fees are allegedly charged on a per trade basis. This can lead to potentially colossal fees, given the number of trades an automated system can perform. The entire page which should introduce their strategy looks like a basic description of how trading financial markets works. The only specific information is that they trade currencies and commodities. The combination of these factors leads us to believe the company might be running a PAMM system, in which they effectively mark-up every trade.

The Results

The fund’s returns are absolutely amazing. This is probably the most fishy part about the entire firm. A cumulative 600% per anum, for three consecutive years is unheard of. Legitimate hedge funds which consistently have double-digit percentage returns are often over-subscribed (Look at The Medallion Fund by Renaissance Technologies for instance – here is a Bloomberg article on them). Most traders and investors would be satisfied making 20% per year. If IIInvestments could consistently achieve the results they claim, they would have became legends in the world of finance by now.


The entire site feels like a marketing operation aimed at unsophisticated investors. The advertised offer seems appealing, until you take a close look at the details – no distinct legal entity, no regulation and astronomically high returns. We are afraid this is just another case where the old saying “If it sounds too good to be true, then it probably is.” should apply.

IIInvestments.com appears to offer an interesting investment alternative. However there are certain issues with this “entity”. First of all there is no

Regulation & Safety 0
Minimum Initial Deposit & Trade Size 0
Cost of Trading (Spread & Commission) 0
Leverage 0
Editor’s Opinion 0
Your Rating User Rating : 2.8 ( 7 votes)

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Dear Publisher,
I am responding to your review about this company.
For full disclosure I am a client and an affiliate of this company. I have even built a company around their service. See my website at http://www.cybertutors.nl.
Does their website need improvement? Answer is definitely yes. I have challenged them on that and they are working on releasing a new version in Q4 2020.

A few points you raised I will like to give you my first hand experience:
1. Charging client per trade: No they don’t neither do they say so. They charge performance fee of 10 or 15% profit depending on your account size. The website clearly explained this. I am surprised you completely missed this. I encourage you to review this and update your article as a fair journalist.
600% return: I did not experience this, neither do I agree. The 600% is based on compounding your return every month. I have not been with them for 3 years but based on what I experienced 600% is doubtful. This will only be possible if you compound every month. They may have done that compounding in the past but looks like they are now more measured and don’t compound aggressively- I am challenging them to modify or clarify this on the website.
Monthly return: the returns are correct. However it is based on same amount monthly. Here is what I mean. If you invest 25K in Jan 2020 and we are now April 2020. Those monthly returns are based on same 25k – that is it is not compounding. So why I for example now have 31k in one of my client fund opened in Feb, the returns quoted on their site is as if I am reset to 25k starting every month. Is this a great return – yes. It also means effect of DD is minimal. I have challenged them to declare more of their compounding policy since they said they are changing it to minimize risk. They promised to do that in their next software update. I also challenged them to give customers more control over compounding- they are looking into that.

I read your article on Bloomberg about the guys making crazy more. I2 is outperforming those guys.
My father and I are forex traders and we run Forex as a family business. Our own trading performance is better than those Bloomberg guys you reference.
What I2 and my father do not have is a marketing guru who can properly promote what they do. That is the gap am trying to fill. Of course they also don’t have those huge size of fund under mgt.
I am happy to corespondent with you on what more you like to see and will work with the company to improve.
I am now going to challenge you: can you come with your lawyer and make a contract with me? Invest 10k. I will refund you plus a 3% monthly top up (not commutative) if you do not make consistent return that averages more than 5% monthly flat return in 4 months.
As a reciprocal- when you make this return and then successfully pull out your funds, you will tell all your subscribers. You will also document progressively your experience.
How do I ensure you can get your money – I will make my credit card chargeable to you after a writeup and signed contract with your lawyer.
Will you take the challenge?
If you want to modify the way to do the contract, go ahead and make me a proposal.
To take up this challenge (and I challenge another 10 subscribers of your website also but with 3k euros) – leave me a message at http://www.cybertuturs.nl about your taking up this offer and we take it from there.
Why am I challenging you: some people star wonderful opportunities but they do not do things in line with our expectations, we should help them improve. I have decided to help i2 investments improve rather than labeling them a scam.
I know I did not answer all your reasons for labeling them as possible scam – but I have now challenged you and your readers. When we start progressing this challenge- we will document more of our experience.
Let’s go am waiting.
1. i2 investment does not provide service to US citizens and residents, because they are not licensed there, therefore, note this if you are taking up the challenge.
2. You must go through http://www.cybertutors.nl to take up this challenge – that is my guarantee
3. I am not the first to make crazy challenge like this before, a reporter once challenged a real estate trainer to go to a city with little or no money and buy real estate based on his system.
I am expecting you and your subscribers to take the challenge.

Unfortunately guys, this website is indeed a scam, a big one. They are unlicensed and hold no business license.

Here’s his latest reply:

[QUOTE][B]We told our RCMP contact to hold the case as you’re obviously someone who is mentally ill. I will resume it if you continue this childish behavior.

As I’ve said repeatedly, we have zero complaints and relationships with strong brokers for over three years. Not one client complaint.

You continue to call us a scam because of a bunch of forum threads etc from design agencies you’ve found to be “illegal” for some reason.

We are an Offshore IBC operating completely legally. We do NOT accept clients from Canada, the US, France, India, and several other countries that prohibit overseas currency investments. We follow all laws. Your previous registrations today were declined by the system immediately for this reason. We even post on our website that we don’t accept Canadians since the new law this year prohibiting non Canadian registered entities.

We do nothing wrong. You have a sick obsession with our company and continue to lie that you are not Ali, then you claim to be Ali again, it’s honestly just creepy.
It reminds me of the “Split” cinema feature I saw featuring a delusional man. [url]https://www.youtube.com/watch?v=XZoiIH09et4[/url]

I honestly hope you get the help that you need. I am not interested in playing your strange games. This is the final time I will allow you to behave like this Ali.

I am not joking. Think long and hard about what you have done. We have documented all your activity.

Have a nice weekend,

This guy claims he has RCMP contacts…. RCMP supporting a scam located OFFSHORE with no legal status.

Beware of this ponzi scheme.

Weird, they used to accept American and Canadian clients, not anymore after I exposed his nasty crap LOL.

Whoever is interested, please send me a PM and I will send you the pictures/identity of people he sent me… He’s selling people’s identity sadly.

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