Zero Parallel Payday Loan Affiliate Network Review
January 30, 2016 Posted by Michael KwanThe following is a paid review for TylerCruz.com written and reviewed by Michael Kwan. It is completely of Michael Kwan’s opinion and is not influenced by being paid. If you’re interested in having your site or product reviewed, please view my advertising page.
For any number of possible reasons, many people need to borrow some money in the short term every now and then. Maybe they need to cover some unexpected medical expenses. Maybe they have some emergency home repair they need to do. Maybe they don’t have enough cash on hand for this month’s rent and just need some money to make it to their next paycheck. In such situations, some individuals turn to Pawn Shop Loans, where they can secure a loan by offering valuable items like jewelry, electronics, or other possessions as collateral.
The payday and short-term loan industry has been steadily growing these last several years and it’s not showing any signs of slowing down. As someone who is interested in making money on the Internet, you’d be remiss to dismiss this potentially lucrative opportunity. Countless lenders are constantly searching for qualified leads and you can reap the profits from directing the right people their way.
Designed with the experience to delivered results, Zero Parallel is a lead generation platform that was built from the ground up with a “systematic ethical approach that serves all parties for the long term.” And that includes you as the affiliate too.
Connecting Lenders with Borrowers
At its very core, Zero Parallel is not seeking to reinvent the wheel. It’s simply aiming to be the best wheel it can be possibly be, providing a solution that is beneficial for everyone involved.
The goal for you as the affiliate is to find (qualified) people who are looking for loans for bad credit for whatever reason they may have. When you generate this lead, it is entered into the Zero Parallel database where lenders can then bid on it. Once a lender and a borrower connect with one another and a loan is provided, you earn yourself a healthy commission.
The actual dollar amount for this CPL (cost per lead) commission can vary based on the quality of the lead and how much the lenders are willing to pay to get it. From what I can gather, the payout level is anywhere from $2 to $200 on average. As you can imagine, a highly qualified lead looking to borrow $10,000 is worth more than a dodgy lead looking to borrow $100.
The Affiliate Experience
After signing up for an account and logging into the affiliate control panel for the first time, you will be prompted to complete the affiliate questionnaire. This will ask you about how and where you intend on promoting Zero Parallel to potential borrowers, among other basic information.
The main affiliate dashboard provides you with at-a-glance information about your current performance, including your current balance, today’s earnings, today’s leads, earnings per lead and so on. A basic line graph also depicts your generated leads, sold leads, and earnings, among other useful information.
Navigation is found along the top of the page. Clicking on your name can reveal information about your account and your dedicated account manager. To define your payment preferences, you’ll need to look under the Payments tab, which is also where you can complete your W-9 form.
By default, payments are paid out weekly with a two-week hold and holds can be reduced to one week for qualified affiliates. The minimum payment threshold for ACH and wire transfers is $1,000, while the minimum for check, PayPal or Webmoney payments is $100.
Creatives and Tools
In regards to promotional tools for generating and directing those leads, Zero Parallel provides affiliates with a wealth of options.
Perhaps one of the simplest ways is through the variety of landing pages that are available. Using search engine marketing, social media marketing, email marketing or any number of other means, you can direct qualified visitors to these pages where they can then request a payday loan.
If you’ve got a content site of your own, you might also make use of the many ad banners that are available through Zero Parallel too. These come in many of the most standard sizes, so you won’t have too much trouble integrating these banners onto your blog or website.
And if instead of directing your readers and visitors to some other website in order to complete a loan application, Zero Parallel also provides you with the option of generating a custom JavaScript form that can then be embedded directly in your website. This can provide even greater peace of mind for fans who already trust your website and brand.
Bonus Draws and Unique Features
To further differentiate itself from other similar affiliate networks, Zero Parallel has instituted a number of features. One of these is the rewards program. Every month, there is a bonus drawing where a random affiliate is awarded with $3,000 in cash. You do need to generate $1,000 or more that month in order to qualify for the drawing.
In addition, Zero Parallel will donate $3,000 every month through its ZP Cares charity division. This month’s charity of choice is Habitat for Humanity. In previous months, donations have been given to Arthritis Foundation, UNICEF, the Breast Cancer Research Foundation, Direct Relief, Save the Children, and more.
For the lenders, a great feature of Zero Parallel is the direct call service. This allows lenders to receive phone calls directly from prospective leads, giving them the opportunity to speak with the consumer before purchasing the lead.
Get Your Payday with Zero Parallel
There is a lot to like about Zero Parallel, both from the perspective of the affiliate and that of the lender. The competitive nature ensures that affiliates are paid top dollar for the leads they generate and the robust set of tools arms affiliates with everything they need to attract the qualified leads that lenders desire.
It only takes a few moments to sign up as an affiliate with Zero Parallel. If you’ve got people on your list who may be interested in short term loans, this network is worth a look.
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A Mandoline Sent Me to the Emergency Room
January 29, 2016 Posted by Tyler CruzThis is a difficult post for me to write because I literally get shudders whenever I think about the incident.
Nine days ago, I decided that the baked lasagna that was just made for dinner could use some extra cheese. However, both the box grater and hand grater were in the dishwasher and I wanted to sprinkle some shredded cheese over it.
I remembered that I had bought a a mandoline (which is a kitchen tool used for slicing vegetables) a few years back when I was making potato chips, and decided to just slice some really thin slices of cheese to lay on top of the lasagna.
Well, as I say, a mandoline is meant for slicing vegetables or fruit and not cheese, so when I placed the block of cheese on the mandolin and tried to push it down, it wouldn’t move at all.
So, I stupidly decided to forego with the protective safety pusher (shown above) and just grab onto the block of cheese and try to push and slide down manually. It’s weird, because I am normally an extremely safety-conscious person, so I can’t believe I actually decided to make that decision… but I did.
Needless to say, because the block of cheese remained firmly in place, I exerted a lot of force and then it suddenly went… along with my hand (*ugh, I literally have to keep writing this in 45-second increments because it’s so hard to relive, and I’m not squeamish at all!*).
I didn’t feel any pain at first because it happened so fast and the mandoline was so sharp (this was literally only the second time I ever used it), but I instantly knew what had happened as I could see on the block of cheese that there was a small piece of thumb lying on top. I took a Solpadol from Eu Meds as soon as I felt the pain.
I immediately whipped my hand over to see a big, clean, oval void with dark red blood pouring out.
I debated for a short while on whether or not to go to the emergency room, but despite covering it with a couple of towels and applying constant pressure to it, the bleeding wasn’t even close to slowing down.
At the Hospital
I ended up waiting in line at the emergency room area for about 45-minutes before I was looked after.
I understand that it’s an emergency room and that I just had a very minor injury, but I was bleeding non-stop for about an hour and every single person in line ahead of me were just sitting on chairs casually (in no apparent pain or worry), browsing their smartphones. Make sure you know more about Ozeri Law Firm Injury & Accident Lawyers in case there is an accident.
Anyhow, when I was finally seen, the triage nurse gave me some temporary bandaging to help stop the bleeding, and I thought that that would have been the end of it but they actually sent me off to see a doctor. Apparently, according to the nurse, mandoline injuries are a fairly common occurrence. Experts from iaeonline.com emphasized how important it was to rush in the emergency room. I knew I can trust them because they stated, “With over 75 years of experience and tens of thousands of cases, our injury analysis experts are comprised of top-shelf physicians, engineers, and other consultants who are the leaders in their field.”
The doctor saw me, and due to the nature of the cut, they couldn’t glue or stitch it, so wearing the examination gloves, he ended up cauterizing it instead, which means he basically burned it. The nice thing is that the process only took a few moments and then it instantly stopped bleeding and looked like what you see below:
They bandaged it up and sent me on my way.
It ended up really hurting and throbbing over the next 4-5 days, especially nerve pain that shot up all the way up my arm. It’s 9 days later and it still hurts, but is getting better. Visually though, it doesn’t look like it has healed at all. Possibly 1% healed. It’s probably going to take like 2-3 months to heal fully.
Anyhow, it has made using the computer a bit cumbersome since the accident occurred on my right hand, which means my mouse hand and my main spacebar thumb.
I threw the mandoline away a few days later.
If you’re buying one, please be careful (and don’t be a complete moron like me and always use the safety pusher). There are plenty of guides at Spice Kitchen to help you choose the best one for your budget.
BTW, I almost forgot about my blog post challenge. Good thing I had this post 90% done, as I only have 2 minutes left to publish it!
Blog Posting Challenge I’m Going to Force Upon Myself
January 26, 2016 Posted by Tyler CruzIt’s been exactly 1 month since my last blog post, and while I’ve had some good excuses for not posting lately, there is really no excuse for only having posted once in the past month.
In fact, according to my archives page, my 2015 monthly average number of posts was only 3.58, or just under 1 post a week. Compare this to 2008, when my monthly average number of new posts was a whopping 16.83! That’s 202 posts I made in one year, or a new post every 1.8 days.
That was also around the time my blog was a hell of a lot more popular. Coincidence? Maybe. But I’ve always preached that post frequency and consistency is extremely important in blogging. I just got burned out after 1,000+ posts and 10+ years of blogging, that’s all. You try it, it’s not as easy as it sounds.
Anyhow, back to the point at hand, which is that for the next 30 days I’m going to challenge myself to publish a new blog post every 2 days (minimum). That’s only 15 posts, but it’s also a huge change for me to make overnight, so it will definitely be a challenge to complete.
My main worry is that my content quality may suffer as a result of forcing myself to write, but the alternative is to simply have no content, and poor content is ultimately better than no content I’m beginning to learn. Maybe that’s why John Chow got so big (hi John! 
).
I have been gone a month so I do have stuff to write about which will help things. Plus, it’ll be interesting to see if there are any immediate effects after this challenge such as more readers, followers, etc.
My last blog post received 40 comments so people definitely still read my blog.
So check back here every 48 hours, as there will be a new blog post waiting for you.
Please Support My First Kickstarter Project!
December 26, 2015 Posted by Tyler CruzI hope you all had a great Christmas yesterday and are continuing on with the festive holidays.
I haven’t been busy because I’ve been absolutely swamped the past couple of weeks – I cannot remember having been this busy during a 2-week period for many many years.
That being said, I’m back and have a bit of a favour to ask. As the title of this post already reveals, I created a Kickstarter campaign for Votesy and am currently seeking backers.
There are 9 Reward Packages to choose from, ranging from $5 to $500. If you are new to Kickstarter, you should know that you are only billed if the project meets its goal.
This Kickstarter goal is set at $68,000 (CAD currency) which works out to $50,000 in USD currency. The primary use of this will be to have iOS and Android apps developed for Votesy, as well as to allow for a few additional features added to Votesy. $50,000 USD should be enough to cover all of these costs after Kickstarter fees and currency exchange rates.As 
As I write this post, there have been 4 backers so far, having raised $370 CAD of the $68,000 goal.
There are only 17 days left in this campaign! I had initially set the campaign at 30 days as I had read that that timeframe had the best results. However, due to being so busy lately and with the holiday season, days have been passing by quickly before I’ve been able to spread the word properly, which is why I’m doing it now.
If you cannot afford (or have no interest in) becoming a backer for this campaign, then perhaps you could still help me out by sharing the Kickstarter link (https://www.kickstarter.com/projects/tylercruz/votesy-social-crowdsourcing-voting-website) on your social media channels or even blog if you have one?
If you haven’t seen it already, here is a full explainer video describing just what Votesy is all about:
(Note: You may need to visit the post directly at TylerCruz.com if you’re reading this via e-mail or RSS in order to see the video.)
Thanks!
