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Jim Wang

About Jim Wang

Jim Wang is a thirty-something father of three who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and a farm in Illinois via AcreTrader.


  1. AvatarKaren Heffner says

    I have been trying to get their customer service to contract me since Noverber 1st. I have sent a least 10 emails and I get no responses. If this is how there ostomer service department works. There management must really s……

    • Jim WangJim Wang says

      Hmmm… I don’t know about their management but if you can’t reach customer service, that’s not a good sign.

  2. AvatarSNF says

    In my experience, Ipsos-Isay have too many people and their admin system can’t handle it, meaning people don’t get paid for surveys even if they do manage to finally qualify.

    I haven’t been with them long, but was invited to two product tests (shampoos), which I did according to everything they asked. But they never paid out.

    I couldn’t provide them with any proof (they asked me to send back the products and paperwork after the survey) and they claimed they couldn’t find the survey records on their system – because they send out so many of them. (They actually said that to me in an email.) I don’t believe you can actually send out a product to a panelist’s address and not have a record of it, but they refused to pay anyway.

    So what was supposed to be a fun way to unwind and earn small rewards for coffee and Amazon turned into a real rip-off waste of time.

  3. AvatarStephen says

    Absolute scam. In my case I completed a load of surveys and earned 485 points, then they deactivated my account saying that I didn’t fit the profile they needed.

    Funny old thing… the minimum points required for a reward is 490.

  4. Avatarcindy says

    I was a panel member for over 5 years and had no issues with i-Say. I completed hundreds of surveys over the years, collected points, and cashed them in without any problems. The last two months I hadn’t received any surveys and kept checking the website which said no available surveys which at times was not unusual. I finally emailed them and my response was “We have been reviewing our clients’ research requirements and, unfortunately, your member profile is no longer suitable for our needs. Consequently, your account was deactivated on 04/18/2019 and no other survey invitations have been sent to you. If you have any points remaining in your account, you can redeem them for up to 45 days after terminating your membership. After 45 days, all remaining points have been forfeited.” It would have been nice to know that after years I was no longer suitable and I would have cashed out my 8,000+ points and went on my merry way. The kicker is I applied using another email using the same personal information and was accepted into i-Say. I’m not sure what happened at i-Say but now there are lots of negative reviews about this happening and Luke your response of ‘We’re sorry for the poor experience’ of ‘We’re sorry for the inconvenience’ just doesn’t cut it. You all scammed lots of points from your panelists who spent time filling out your surveys in good faith.

    • AvatarWanda James says

      Same thing happened to me, but I was on there nearly TEN YEARS. They suddenly, WITHOUT NOTICE, cancelled my account and are now giving me BS replies about me changing my email address (I gave them all THREE of the possible email addresses I have had over the past 20 years), or that I have somehow mysteriously “unsubscribed.” Why would I do that when I had collected 10,500 points??? I was saving for something nice and now I’ve lost them all. What a disgrace. I’m planning on getting to upper management about an article I intend on writing regarding what USED to be a reputable company.

  5. AvatarShay says

    I been a member since 2010. I received at least 5 gift cards in the mail. Out of no where my account is inactive. They dont reply to emails. Found out the company been bought out by another company and kept the same name. They are a scam dont sign up.

  6. AvatarAliceinwonder says

    This survey place is total BS. You work on a survey and put a lot of time in it with the promise of some good points and suddenly it says you’re not eligible for this survey and you get 5 lousy points. I have been working over two years to build up enough points to get the $100 gift card. Plus poll predictor is a joke. Don’t plan on ever winning a prize. It’s a total scam. Move along to more honest places. YouGov is good. You get 500 points with them for each survey and a chance to earn more sometimes.

  7. AvatarWanda James says

    No, they are NOT worthwhile. Take it from a longterm member. Unless you are wealthy and have a family of 4 and up that buys a LOT of products and services, you will be disqualified from most of the surveys and sent the same old ones over and over again, for very few points. After doing surveys for 10 years or so, they just closed my account WITHOUT NOTICE and I lost the over 10,000 points I had been saving for something good. Even after all that work, it only amounts to a little over $100.00. And now they are trying to put the blame on me. I wasted a lot of time and am very angry about this. Don’t waste your time too!

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