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  • FIRST POST
    JDMYOFAN
    If this was a 'true' and 'honest' moneysaving website then....
    • #1
    • 3rd Mar 08, 1:28 PM
    If this was a 'true' and 'honest' moneysaving website then.... 3rd Mar 08 at 1:28 PM
    Surely when Martin posts information such as:

    "12 Months 0% Balance Transfer with the MBNA Platinum*" which we all know the * links to the MBNA Site, which then leads to a £8 commission MSE receive for every sucessful applicant..

    I've seen it a LOT recently, where if MSE really did want people to make the most of their money, why on earth don't they state: "APPLY VIA QUIDCO AND GET £8 CASHBACK"

    Now I like MSE as it has saved me some serious money, but this surely contrasts what the website is set-up for?

    Greed is every persons downfall.
Page 1
    • frivolous_fay
    • By frivolous_fay 3rd Mar 08, 2:21 PM
    • 13,056 Posts
    • 6,226 Thanks
    frivolous_fay
    • #2
    • 3rd Mar 08, 2:21 PM
    • #2
    • 3rd Mar 08, 2:21 PM
    Perhaps one for the suggestions forum?
    My TV is broken!
    Edit: refunded 515 for TV 1.5 years out of warranty - thank you Sale of Goods Act!
  • Grass Stained Feet
    • #3
    • 3rd Mar 08, 2:28 PM
    • #3
    • 3rd Mar 08, 2:28 PM
    To be honest, if this happens every now and then, so be it. They have to make their money somehow. The whole site is full of amazing free advice. Now you want an extra £8 for their troubles?

    *Sigh*
    • ringo_24601
    • By ringo_24601 3rd Mar 08, 2:30 PM
    • 17,148 Posts
    • 27,896 Thanks
    ringo_24601
    • #4
    • 3rd Mar 08, 2:30 PM
    • #4
    • 3rd Mar 08, 2:30 PM
    Martin has to get mega-rich somehow...

    Think about it this way, Martin Lewis provides a service (money saving advice) and we, the readers of the site pay him by clicking his referral links
  • jinky67
    • #5
    • 3rd Mar 08, 2:31 PM
    • #5
    • 3rd Mar 08, 2:31 PM
    If it bothers you that much .....
    nobody is forcing you to click on these links are they?
    Once a Flylady, always a Flylady
  • Edinburghlass
    • #6
    • 3rd Mar 08, 2:37 PM
    • #6
    • 3rd Mar 08, 2:37 PM
    Surely when Martin posts information such as:

    "12 Months 0% Balance Transfer with the MBNA Platinum*" which we all know the * links to the MBNA Site, which then leads to a £8 commission MSE receive for every sucessful applicant..

    I've seen it a LOT recently, where if MSE really did want people to make the most of their money, why on earth don't they state: "APPLY VIA QUIDCO AND GET £8 CASHBACK"

    Now I like MSE as it has saved me some serious money, but this surely contrasts what the website is set-up for?

    Greed is every persons downfall.
    Originally posted by nj106
    You missed out the piece at the bottom of every article and from the Balance Transfer on CC's you'll find this.

    LINKS THAT HELP THIS SITE (all have a * in above article)
    (this has no impact on product or recommendation - see explanation below)

    Citibank, Barclaycard 6.3% for Life, Virgin, Egg, Capital One, MoneySupermarket, MBNA, HSBC
    Explanation (of * links)
    How this site is funded. Two types of contacts are listed. The first, which all have a * within the main body of the articles, help MoneySavingExpert.com stay ad-free and free to use, as they're ‘affiliated links' which invisibly take you usually via affiliate linkage or commercial money sites, which then pay this site. The second type doesn't help and therefore doesn't have a *. You shouldn't notice any difference, the links don't impact the product at all and the editorial line (the things I write) is NEVER impacted by the revenue. If it isn't possible to get an affiliate link for the best product, it is still recommended and still included in exactly the same way. For more details read how this site is financed.

    LINKS THAT DON'T HELP THIS SITE
    (please only use if necessary)

    No * Link Available:Citibank, Abbey, Ulster Bank, Find a lender, Alliance & Leicester , Capital One Balance Transfer Card, Tesco


    The click through links help keep MSE ad-free, run the forums (at no cost to the users) and gift an inordinate amount of money to charity so its hardly greed

    http://www.moneysavingexpert.com/site/moneysavingexpert-finance
    Martin has asked me to tell you that I'm the Board Guide of the Telephones, Reclaim Bank Charges, Silver Savers and Scotland boards which means I'm a volunteer to help the boards run smoothly and I can move and merge threads there. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com. Board guides don't deal with this. Any views are mine and not the official line of MoneySavingExpert.
  • misspixierocktastic
    • #7
    • 3rd Mar 08, 2:40 PM
    • #7
    • 3rd Mar 08, 2:40 PM
    I think that compared to the tonne of information here its really a relatively small thing to have a gripe about :rolleyes:
    • jessicamb
    • By jessicamb 3rd Mar 08, 6:21 PM
    • 10,066 Posts
    • 5,985 Thanks
    jessicamb
    • #8
    • 3rd Mar 08, 6:21 PM
    • #8
    • 3rd Mar 08, 6:21 PM
    MOVING THREADS FOR BETTER RESPONSES

    Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere (please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email abuse@moneysavingexpert.com.
    The early bird gets the worm but the second mouse gets the cheese
    • MSE Martin
    • By MSE Martin 3rd Mar 08, 8:42 PM
    • 8,111 Posts
    • 42,248 Thanks
    MSE Martin
    • #9
    • 3rd Mar 08, 8:42 PM
    • #9
    • 3rd Mar 08, 8:42 PM
    Thank you for the 'politely' asked question; its always a lovely feeling to be called dishonest.

    This site links to cashback sites all over the place; find me another financial information site that does in the same way?

    Yet let me answer.
    • This site has informed more people about cashback sites than any other. It wouldn't surprise me if the majority of users got to quidco because of this site. We've also developed the free cashback sties maximiser to help people on it. I don't hide cashback I champion it.
    • Where cashback is substantial its part of the strategy. Where cashback is a substantial issue its included in detail in the article - see car insurance, home insurance, gym loophole and various others.
    • Getting people the right products is the reality. My priority in many articles, especially the debt ones, is giving people the right information and helping them get the right cards. The last thing i want is people going for crap cards for the sake of a few quid at quidco - when it'll cost them a fortune for bad card choice.

      The site lists things in priority order regardless of the * links and that's the key to it. If I start adding this element in - it'd drive people away in droves; you'd be surprised how few people go for the cashback even where its pushed to high heaven.

      Plus, many financial techniques are confusing enough without this and those people who are new (a continually very substantive number) find it difficult enough to know what to do without adding an explanation of cashback sites what and where to do them at each and every turn. We constantly try and make things easier for people to act on; not more confusing.
    • Cashback regulars know to check for cashback. Yet it's still my intent to educate people about it. Hence the major articles, and the cashback checker. Once people understand cashback, they know they can get it and are urged to try it once they've found the best products. I do not intend to clutter the site up by putting an alternative cashback site link everywhere.
    Of course these links do pay for the site, pay for the team, the servers, the tools, the research, give money to charity and earn me good money too of course. Yet I've never let the finances drive what's done.

    I make the decisions as to when we do include cashback sites and when we don't; yet when i do include it - it is deliberately done that the cashback tail doesn't wag the best product dog.

    I'm sorry you dont like the policy. I make the decision as I feel it works best for the site and its users.

    Martin

    PS next time why not ask a quesiton rather than an accusation
    Last edited by MSE Martin; 04-03-2008 at 8:57 AM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • jinky67
    well said that man!
    Once a Flylady, always a Flylady
  • Timmne
    I think it's a case of greed, really - and also how the world works at the minute, wanting everything for nothing.

    The OP has this amazing site at hand, for free and with many hundreds of thousands of people online to share ideas with and get advice from - all without paying for it.

    If you check the OP's signature, he/she actually thanks MSE for the ~650 savings/earnings (plus recurring stoozing money) made because of this site's information, yet that still isn't good enough!
  • littlemissmoney
    Obviously I don't agree with the attitude of the OP, but I do have some sympathy. I followed the savings article advice and opened an A&L eSaver. The next day I noticed I could have got cashback on Quidco

    Could there maybe be a little superscript "Q" next to the * so regulars know to check Quidco? :confused: That would be non-confusing to new members, but remind cashback regulars.
    Proud to be a MoneySaver!
  • jo_b
    Obviously I don't agree with the attitude of the OP, but I do have some sympathy. I followed the savings article advice and opened an A&L eSaver. The next day I noticed I could have got cashback on Quidco

    Could there maybe be a little superscript "Q" next to the * so regulars know to check Quidco? :confused: That would be non-confusing to new members, but remind cashback regulars.
    Originally posted by littlemissmoney
    It helps to get into the habit of checking whether you can earn cashback whenever you buy or sign up to anything online. Most of the time we learn best from the times that we forget and end up kicking ourselves!

    The cashback checker on this site is really useful:

    http://www.moneysavingexpert.com/shopping/cashback-sites-comparison/
  • JDMYOFAN
    Martin,

    Getting people the right products is the reality. My priority in many articles, especially the debt ones, is giving people the right information and helping them get the right cards. The last thing i want is people going for crap cards for the sake of a few quid at quidco - when it'll cost them a fortune for bad card choice.

    Plus, many financial techniques are confusing enough without this and those people who are new (a continually very substantive number) find it difficult enough to know what to do without adding an explanation of cashback sites what and where to do them at each and every turn. We constantly try and make things easier for people to act on; not more confusing.
    Apologies for the fact that what was in my head did end up as an accusation, as you can see from my signature, I have substantially gained from the website and am grateful for the information I have recieved in responses to the forums.

    The example I used was not one where the card was 'crappy', it was one where you Recommended the card, also on the newsletter.. I was implying that the customer could benefit from an extra £8/£18 from using Quidco to take up the same offer.

    As the above post suggests, it would be hugely beneficial to have a quick (Cashback Available) link where possible.

    You missed out the piece at the bottom of every article and from the Balance Transfer on CC's you'll find this.
    Originally posted by Edinburghlass


    I didn't miss this out as I stated "we all know the * links to the MBNA Site, which then leads to a £8 commission MSE receive for every sucessful applicant". I have read the thread in the past, and do know that it is linked to every page, yet it's the most unread, etc, etc, etc.
    Last edited by JDMYOFAN; 06-03-2008 at 12:14 PM.
    • custardy
    • By custardy 6th Mar 08, 12:08 PM
    • 34,142 Posts
    • 29,019 Thanks
    custardy
    Obviously I don't agree with the attitude of the OP, but I do have some sympathy. I followed the savings article advice and opened an A&L eSaver. The next day I noticed I could have got cashback on Quidco

    Could there maybe be a little superscript "Q" next to the * so regulars know to check Quidco? :confused: That would be non-confusing to new members, but remind cashback regulars.
    Originally posted by littlemissmoney
    of course given cashback isnt 100% on payouts you would then be moaning to MSE if you took a deal as the cashback didnt pay out.
    i think its best left to the individual to choose whether they go via cashback sites as it seems many dont get the concept the occasionaly dont pay out

    how would you like to be forced to click through multiple advertisers pages before reaching deals/offers to fund the site?(more to the op)
  • JDMYOFAN
    how would you like to be forced to click through multiple advertisers pages before reaching deals/offers to fund the site?(more to the op)
    That's not what is being asked.
    • custardy
    • By custardy 6th Mar 08, 12:23 PM
    • 34,142 Posts
    • 29,019 Thanks
    custardy
    That's not what is being asked.
    Originally posted by nj106
    but the site helps fund its running via the links like you have highlighted.
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