Zopa is a social lending and borrowing website that allows you to exchange with other people in the community.

The site was founded through consumer research showing people were fed up with borrowing money from banks who make huge profits and that certain people found it hard to get credit.

The community aspect of Zopa is that the people lending the money are you and me, in fact anyone can sign up and start lending their own money to other members.

You get the control to set your own interest rates and to set the market you lend to. When signing up to borrow money you have to be credit checked, the outcome of this then puts you into one of four markets - A*, A, B or C. The better the market you are in, the lower the interest rate you will be able to borrow money at.

Zopa stands for 'Zone of Possible Agreement' and states that the average interest rate is about 6.75% however usually for an A* market this is lower at about 5.5%.

This is great for borrowers in this market as the interest is much better than what you would find on the high street. This isn't so good for lenders as after Zopa fees and tax you would be better off putting your money in a savings account.

The B and C markets are where lenders are more likely to make a better return, however the risk of lending money is significantly increased. 


**the rest of this blog has become corrupted**

Last April we looked at how you can use the website Quidco to make cash back on many of your on-line services and how to exploit free gambling offers. This second article looks at the website Rpoints (affiliate link) and how you exploit it in a similar way to Quidco.

Like Qudico, Rpoints offers a cash back mechanism for your purchases. An example being I want to buy a DVD, I find website under Rpoints with the highest cash back then I buy the DVD through this site. If the cash back is 2.5% on a £10 DVD I can expect to get 25p back. Multiply that by all the purchases you do over a year and it soon mounts up especially with a few big purchases like TV's, game consoles, computers, insurance or holidays.


With Rpoints as the name suggests you collect points, each point is worth 1p, so 100 points is £1 and 1000 points is £10. Points soon mount up and there are a number of daily free points that can be collected.

Rpoints offers 500points (£5) bonus just for signing up, claimable once you have made 2500 points. Rpoints also has a nice affiliate scheme so if you get your friends to sign up through your link to can get more 500 points bonuses. Rpoints doesn't take £5/year like Quidco does however the cash back amount is not always as good as Quidco so its important to weigh the two sites up before purchasing an item.

On the Qudico article we discussed how to make money through signing up with gambling offers, spending the bare minimum to make the most back in Cashback. We showed how it wasn't hard to make at least £200 and have a lot of fun in the process gambling. The process it very similar with Rpoints however they have nicely put together a page with all the gambling links and how many points they are worth.

Even if you have completed most of the gambling links through Quidco there may still be some on Rpoints that you havn't done. I recently signed up for the National Lottery gaining 200points for just buying a lottery ticket. Many of the gambling offers are a lot higher - upto 4000 points (£40) though its important to look at what the requirements of the offer are. Some of them are not specific and it is best to stick to the offers that state the exact requirements e.g. "Earn 1000 points when you deposit and play through at least £10".

In order to access the forum you need to be a member however membership is free plus you get a 500 points bonus for joining.

Post below any questions of your experiences with Rpoints.

Update 10/04/07: Rpoints will match any other cash back sites with their Highest Cashback Claim, so if you do happen to find a site that offers better cash back then you can claim the difference through Rpoints.

Quidco Shoutback

By Pete | @kingpetey | 10 Nov 2006

Our article on Quidco has been one of the most popular on ImAFish getting tens of thousands of hits since being published back in April. A month ago we got featured on the Quidco site in a shout out!

Beletor even got a mention so it looks like our spoof cult is starting to make its way round the net. Society may have accepted the flying spaghetti monster as the creator and sole god however scientists may now start looking into the reality of the world actually being created through hunger and its leader Beletor.

The Quidco blog post has some interesting comments and I especially like the idea of an affiliate scheme (I could have been rich by now if there was one already!). I've still been using Quidco a fair amount and intend to get cash back on the majority of my Christmas shopping (it's ashame Amazon isn't on there).

Our article has attracted a few negative comments about a so called "Quidco fraud" however I or any of my friends have never had any issues and the majority of people online seem happy to get money off their products. Besides its not like Quidco is costing you extra by buying through there.

On a final note it would be very cool if there was a Firefox extension for Quidco that would automatically tell you if a site was in Quidco and how much cash back it could earn you. Any developers out there?

This article is going to look at how you can make money on the Internet using a cash back website and online gambling. The site Quidco.com is not affiliated with ImAFish in any way and your personal experiences may not reflect that of mine.

Gambling is one of Britain’s favourite pass times as well as being a lucrative business. It’s not uncommon to hear in the news how gambling has ruined peoples lives or is a sin. The truth is that if done carefully gambling on the Internet can make you some cash as well as being a lot of fun. Don’t expect millions but a few hundred £££ or thousand isn’t too hard to achieve.

The website Quidco.com is a cash back website; basically you buy your goods or services by clicking a link to their site through Quidco. For example I want to buy a DVD, I find the DVD on play.com, go to Quidco, click the play.com link, buy my DVD then earn 2% back. This may not sound much but I recently brought a laptop off Dell through Quidco earning me almost £20 back, if you do it for everything you buy it will soon mount up.

Quidco has thousands of affiliates including insurance, supermarkets, holidays and mobile services. The reason companies make cash back available to Quidco is because it comes from their marketing budget. Companies know that they have to spend a certain amount per customer to attract them in, so one way to attract new customers is to offer incentives through sites like Quidco.The real money making through Quidco is done through online gambling sites.

A lot of the Gambling offers will give you between £10 - £70 in cash back if you spend and gamble a certain amount (normally between £5 - £20), so instantly you have made the difference in profit. They can do this because getting you signed up on their website is much more important than your initial spend, they have the idea that once you are signed up (and maybe win) that you will go back again and spend more money.

The trick here is to have the discipline not too! Sign up to the website, wager the required amount (hopefully make some money) then withdraw it into your account. The cash back might not sound much for signing up but once you have done a few of these offers they soon mount up. (The offers change all the time the best I got was £70 for signing up and spending £10). Also if you wager your money on simple games such as roulette the chances are that you will be able to win some money back.So to recap, you click a link through Quidco, wager the required amount (say £10) then get cash back (say £20) instantly making a profit (£10 in this example). While you wager that required amount (our £10) you have a chance of making more money (as you are gambling it on games like roulette or bingo).A good site to start off with is Cyberslotz.

1. Sign up to Quidco.
2. Search for Cyberslotz (£20 cash back) in Quidco.

3. Sign up then deposit £5.
4. Immediately withdraw that £5 as you are given a £5 bonus. So you have got your £20 in cash back then have got £5 to play with (you can’t withdraw this bonus).
5. Now play any game you fancy, I recommend roulette as it’s easy to learn and quite easy to win on.
6. Hopefully you will win and will be able to withdraw more money.It will probably have taken you 20-30mins to do this but hopefully you have had some fun and made a bit of money in cash back. Now go back to Quidco and look under sports and leisure for other online gambling sites to sign up and make some money with. The more you sign up to and gamble with the more you are likely to win higher amounts on.


Cash back will often take 2-3 months to come through as Quidco has to get this money off the website and put it into your account. Payments are then made monthly into a PayPal account (so you need to sign up with PayPal too).From my personal experience I have made a couple hundred £££ in cash back then a further few hundred £££ from winning on online gambling sites. I seem to be especially lucky with bingo and it’s always good fun.

Remember if you win a bit of money just withdraw it, these sites are designed so that the chances of you making any real money are really low. It’s like playing the lottery, the actual chances of you getting the jackpot is so small yet still millions of people play it every week.With most of these sites once you deposit £5 or £10 you are making this back in cash back so you’re not actually playing with your own money. It’s a very easy way to make money online and have a bit of fun in the process.Post below any questions or how much you have made (pls dontate me a propotion of the winnings!)

If you like this article you can also make good money through Adsense.Read part 2 of this article >>

One way to make money on your website is through adverts, Google’s adverts are used across the web and provide a good revenue source whether you’re a blogger or small business. These short tips will introduce you to Google’s Adsense program and help maximize potential revenue for your site. 

1. Know how Google ads work. Google’s adverts bring much better results than normal advertising because each advert is targeted to the content of that page. For instance you might have a webpage about food, Google would index your page then target adverts based on that content. Adverts may range from catering services to supermarkets; some may be more relevant than others, the key is to get adverts that your visitors are interested in.

2. Are Google ads right for you? If your site already sells a product or service you most likely don’t want adverts, as they will attract possible customers attention away from your site. If you’re a Blogger there are other ways to make money from affiliate programs, sponsorship, donations and merchandising. You might want to consider a couple of these revenue ideas in order to make money from your site. Cafepress is one company that allows you to create your own products with customized logos and writing.

3. Sign up for Adsense In order to qualify for Google’s Adsense program you need to make sure you site conforms to their program policy, you shouldn’t have a problem unless your site contains hardcore pornography, illicit drugs, hate crimes or other illegal activity. If you do have any problems applying either check the content of your site or contact Google.

4. Know how and where to place ads. Placing adverts is very simple but it is very important you get the adverts in the right place. Within your Adsense account you can choose the layout and customize the style of the advert, this produces a piece of JavaScript that you then cut and paste into your webpage where you want the advert to show. Placing your adverts on the right part your page is important so that people looking at your site will see the advert. Putting adverts in with your page content is a lot more effective than putting them in with navigation or at the edges of the page. On the other hand putting ads too intrusively into your page will put people off, some sites use ads in such a way that they have to write “Story continues below advert”, if the advert is that big then you might want to try a smaller advert. If your advert is in the middle of a large chunk of text then the reader is going to come across your advert as they read your page, doing this also has the added effect of breaking up areas of text.

Adsense also offers the ability to add Google search to your site, sometimes adverts simply don’t work and with Adsense for search you get paid when someone clicks on a sponsored advert when they search for something. At the top of the ImAFish forum I have put a Google search box, I have then been advertising this and trying to get my users into the habit of using it to search Google rather than their normal means.

5. Placing ad’s on content rich pages. Putting adverts on pages full of navigation links won’t normally give good-targeted adverts. A good example of this is the front page of the ImAFish forum as it is simply links to other forums on more specific categories. When Google can’t find an advert to place on a page it will display a public service advert that you will not get paid for. The same could be said if you had an empty page with just adverts on, as Google can’t find anything to display, public service ads will be shown. You may have problems with adverts on image rich pages, I had some adverts on my gallery at one time and found I had a lot of public service adverts as Google can’t analyze the contents of an image unless it has meta data associated with it. Try to avoid placing adverts in frames, as the ad may not correspond to the content in the other frame.

6. Attracting people to your site. The more people you have visiting your site the more people that are likely to click an advert! That’s why good careful marketing of your site and its content is important. There are a lot of simple free ways to get people on your site, adding your site address to your email signature a simple one or as I like to do put new features or content from my site on my MSN name. Be careful not to spam people, as it won’t give your site a good name. You can add your site to various directory websites for instance the open directory project dmoz.org has many categories you can add your site too. For Bloggers sites such as blogdex.net/ and technorati.com are good directories while notification services such as pingoat.com are useful for pinging other directories to get your Blog noticed.

7. Good Site Content The best way to attract people to your site and to get relevant adverts is your sites content. Good site content though will not guarantee relevant adverts. On the forum we had a problem of just getting adverts for Blog services rather than the content in our forum posts, this was mainly because of the word Blog in the navigation, unfortunately the only way round this was to remove the word from the navigation. If there are certain URL’s you think are competing with you’re content rather than being useful then you can block them in the “Competitive Ad Filter” in your Adsense account.

8. How much will I get from Google Ads? This depends on a number of things, the position of the ads on your page, number of visitors you get, relevancy of ads and how well paid each advert is. With Adsense each advert is not worth the same, you could have one advert that would give you 10cents then another may give you $1 per click. It depends on the demand for that type of advert, for instance if a number of companies are competing for advertising space on loans the company offering the most per click will get their adverts displayed first.

Unfortunately Google does not let you see how much an Advert is worth so it is hard to produce content aimed at those sorts of adverts. Adsense has the ability to put your earnings straight into your bank account so there is no messing about with cheques in the post.

9. Managing your Adsense account. Keeping track of your Adsense account is important, some people like to check their Adsense account daily (a bit like counting your money) others check it less frequently. I like to check a few times a week but if I’m running a feature on the site such as this article I will check more often. It may be obvious but make sure your details are up-to-date and Google are always bringing out new ways for you to make money so keep checking the Adsense site.

10. Keep monitoring your adverts. If you have certain adverts doing well keep a close eye on them as they may not keep doing well, a change in your navigation could change the content of the adverts so keep an eye on the adverts across your site. On Blogs and Forums where the content is constantly changing from user posts and comments you might even get some adverts you weren’t expecting. Channels are a good way of checking certain pages and advert layouts (are certain adverts on a page doing better than other ads?). Adsense also has an affiliate program so if you do want to give it a try you can with the banner below. Hopefully this article has given you an insight into how Adsense works and whether it will be useful for your site.