Trade Me Alternatives - Viable Marketplace, Jobs, Automotive, Property and Other Sites Revealed

We explore alternative sites for marketplace, jobs, motor, and property sectors.

Trade Me Alternatives - Viable Marketplace, Jobs, Automotive, Property Websites NZ

Updated 29 August 2024

Summary

Trade Me has been around for decades. It's iconic and is (or was, depending on your view) an incredibly useful tool to declutter, browse for a new car, look for a job, browse houses or rentals, and find hidden gems.
However, as of 2024, many New Zealanders will be unclear whether Trade Me is still a good site to use to buy/sell products or whether there are better alternatives. There is a constant stream of posts on Reddit, with this highly detailed example in early 2024 showing the limitations of the website.
Too often, posts bemoan bemoan Trade Me while public perception suggests there are few alternatives. However, our research reveals many popular alternatives for specific goods and services.

Our guide covers:

Know This First: What Has Happened to Trade Me?

There is much criticism about Trade Me, but we don't believe every interaction with the website creates a negative experience. Specifically, some users are not happy about the numerous fees and continue to protest the increases.
There are also problems reported about the scams and the abundance of dropshipping.
This March 2024 experience of someone selling a car in Wellington showed the issues Trade Me creates for private sellers, while someone buying a stroller found that with the leading bid in an auction learned that doesn't mean anything. One former Trade Me loyalist Reddit post, bemoaning the state of things, allegedly had Trade Me staff responding in agreement (although nothing can be verified).
Trade Me is over 25 years old, and while it was once known as the marketplace of used goods, they have arguably now extended into other verticals.
Today, Trade Me provides a space where individuals and businesses can buy and sell various products and services, including new and used goods, properties, jobs, and vehicles.

Disclaimer: Please note that the links to Reddit posts included in this guide are not verified, and the content of these posts represents the opinions of individual users. The accuracy and reliability of the information provided in these posts cannot be guaranteed. For this reason, we suggest you exercise caution and use your judgment when interpreting and acting upon the information found on Reddit.

Is Trade Me Becoming Less Popular?

We have no evidence to support a 'yes' answer. However, New Zealanders have shared their views online, which we summarise below:

1. New management and owners
When Wellingtonian Sam Morgan started Trade Me, the product was revolutionary, and the New Zealand roots were obvious. However, with the decision to sell Trade Me to Fairfax in 2006 (and the subsequent private equity acquisition by Apax Partners in 2019), it's clear that Trade Me needs to be profitable for its owners. Since the 2019 purchase, Trade Me fees have increased, much to the disappointment of some users.

2. Increased competition
It has never been easier for offshore technology companies to expand to New Zealand. As a result, many overseas technology platforms (particularly well-funded global and marketplaces) have branched out and now compete with Trade Me. These include Aliexpress, Temu, Shien, Etsy and others.

When an incumbent provider has a dominant position, there can be less of a desire to innovate. While we can't assume anything about Trade Me, many new websites have been launched to compete with certain Trade Me segments, such as OneRoof and real estate.co.nz (housing) and various car marketplaces aim to offer cheaper, higher-quality, and more tailored solutions.

3. Complacency
When an incumbent provider has a dominant position, there is less of a desire to innovate. While we can't assume anything about Trade Me, many new websites have been launched to compete with certain Trade Me segments, such as One Roof and real estate.co.nz (housing) and various car marketplaces aim to offer cheaper, higher-quality, and more tailored solutions. We explore the alternatives below.

4. A raft of media-reported issues
Recent social media coverage shows stories about Trade Me included discussing the high risk of scams and not taking appropriate actions to remedy customers, among other issues. Trade Me does attract some bad players (through no fault of its own), and as a result publishes an annual transparency review (the 2023 example can be viewed here) which outlines their efforts.

The Most Popular Trade Me Segments

Trade Me's offerings can be segmented into several key categories, including:

Marketplace: This is the core of Trade Me, where individuals and businesses can buy and sell a wide variety of new and used items. Products range from clothing and electronics to home and garden items.
Jobs: Trade Me Jobs is an employment marketplace connecting job seekers with employment opportunities across various industries and sectors.
Motors: This segment is dedicated to buying and selling new and used vehicles, including cars, motorcycles, boats, and caravans. It also includes related services and accessories.
Property: Trade Me Property is a platform for real estate listings, offering rental and sale listings for residential, commercial, and rural properties, as well as businesses for sale.
Other/Non-Core Services: This segment includes listings for personal and professional services, ranging from trades and home services to business services and personal training, as well as other areas like community notices and personal ads. TradeMe also has affiliated brands such as Trade Me Insurance, Holiday Houses, FindSomeone (Trade Me's online dating service), MotorWeb (which they acquired in 2013) and Homes.co.nz (which they acquired in 2021).

Why would I consider other platforms if TradeMe had different functions on one website?

While it's helpful that Trade Me has so many different functions on one website, as alluded to above, its quality (in particular, the listing quality) has arguably deteriorated with higher fees and less controls around sellers. In contrast, bespoke alternative platforms can often provide far better experiences. We list these below in detail.

Alternatives to the Trade Me Marketplace

Several marketplace and retail alternatives to Trade Me have emerged (both for used goods and also for new products), offering various features and catering to different market segments. There is a perception that Trade Me is increasingly filled with listings from dropshippers, but there are still plenty of local sellers.

Trade Me is no longer a "flea market" - the days of $1 sales and bargains are, arguably, long gone. Both sellers and Trade Me appear to be focused on profits, which lowers the buyer experience. Many Trade Me users are now using other websites; we list the most popular options and how they compare with Trade Me.

Important: For new products, the Consumer Guarantees Act governs buying from New Zealand-based online and physical retailers - this includes professional ‘in trade’ sellers on Trade Me. If something is faulty, you can return it or resolve the issue with the retailer. However, no such protection is offered if you're buying new items from private sellers on Trade Me. While Trade Me offers Buyer Protection, you'll need to pay using Afterpay or Ping; not every seller will accept this. As noted in this Reddit post, buyers won't get any protection when sellers don't sign up.

1. Facebook Marketplace

Owned by publicly listed (in the U.S.) Meta, Facebook Marketplace is a popular platform to buy and sell items within their local community. It's integrated into Facebook, making it easily accessible and convenient for users with Facebook accounts (now number in the billions).
Apart from the broader Facebook Marketplace, localised buy/sell/trade groups on Facebook can offer a more community-centred and potentially trustworthy environment for transactions than standard Facebook Marketplace. These groups often have stricter membership and posting rules, which can help in maintaining a fair and friendly trading atmosphere.
One of the most obvious downsides of Facebook Marketplace is scams. Facebook Marketplace is notorious for selling ripped-off or stolen products (as well as not validating seller authenticity).
This means that if you do buy or sell from Facebook Marketplace, make sure you are careful regarding payment methods (e.g., request cash rather than bank transfer, as transfers can be reversed) and ensure the products are legitimate and not stolen.
Unlike Trade Me, where buy prices are arguably firmer, Social media posts talk of buyers on Facebook Marketplace starting post-sale price negotiation. There are also a lot of time wasters - recent examples act as cautionary tales.

2. Secondhand Stores and Offline Markets

Physical secondhand stores, charity shops (like the Salvation Army, Red Cross, SPCA, St Vincent de Paul and St John, among others), and local markets continue to be relevant, especially for those preferring in-person transactions and fixed-priced used items, with the advantage of seeing and testing items before buying.

3. Local Retailers

Many products you can buy on Trade Me will also be available at mainstream retail outlets throughout New Zealand.
Kmart and Briscoes are not marketplaces.

4. Online Retailers with Marketplace Features

Some New Zealand-based online retailers offer marketplace features, allowing third-party sellers to list their products. These platforms can provide an additional avenue for sellers to reach customers, particularly for new goods. An example includes PB Tech's pre-owned listings.

5. Once It

Onceit is a prominent online NZ-based shopping platform specialising in offering premium designer goods at discounted prices. Established in 2010, Onceit has rapidly grown to become a leading destination for fashion, beauty, home décor, and more.
The platform partners with over 3,000 local and international brands, providing customers with a wide array of products ranging from clothing and accessories to homewares and electronics.

6. Etsy

Etsy is an online marketplace focused on unique, handmade, and vintage items. Founded in 2005, Etsy provides a platform for individual sellers and small businesses to showcase and sell their products, ranging from arts and crafts to jewellery, clothing, home décor, and more. It also includes a section for craft supplies and tools.
While Etsy is primarily known for handmade, vintage items and craft supplies, it represents an alternative for those looking to sell unique, creative products. However, in terms of the breadth of product categories offered, it's not in any way a direct competitor to Trade Me.

7. Temu

Temu is an online shopping platform that offers a wide variety of products, from clothing and electronics to home decor and beauty items. It was launched in late 2022 and quickly gained popularity due to its low prices and extensive range of products.
Temu has quickly become one of the most popular new e-commerce marketplaces in New Zealand - primarily driven by free shipping (if a minimum amount is spent) and cheap products through a highly gamified app. While the products are generally real, quality can vary, and most tech items are from lesser-known brands.

8. Shein

Shein is a global online fashion retailer offering a wide range of affordable clothing, accessories, beauty products, and home goods. Founded in 2012, Shein has quickly grown to become one of the most popular shopping platforms worldwide, serving over 150 countries with a robust digital presence.
Shein has a wide product range, is relatively cheap/affordable and leverages technology to streamline the design, sourcing and logistics processes. They have a significant digital footprint and primarily sell into Western markets, with New Zealand a popular destination.

9. Aliexpress

AliExpress is a popular online retail service based in China, which Alibaba Group owns. It was launched in 2010 and operates as a business-to-consumer (B2C) and consumer-to-consumer (C2C) platform.
AliExpress offers a vast selection of products across various categories, including electronics, fashion, home and garden, beauty, health, toys, sports, and more. It connects consumers with sellers from around the world, primarily from China.
Products on AliExpress are often sold at lower prices than on other e-commerce platforms. This is partly because many items come directly from manufacturers and wholesalers in China, cutting out the middleman. To counter counterfeit and poor products, the platform allows buyers to leave reviews and ratings for products and sellers, helping future buyers make informed decisions.

10. Ebay.

Though not dominant in New Zealand, eBay remains a significant player in the global online marketplace scene. Many eBay sellers ship to New Zealand, but the international shipping costs can add up.

Alternatives to Trade Me Jobs

Important: The New Zealand job market is dynamic and depending on economic conditions, can be highly competitive, requiring job hunters to leverage multiple channels beyond traditional platforms like Trade Me. While Trade Me remains a prominent job listing site, relying solely on it will, in no uncertain terms, limit opportunities.

Employers have increasingly turned to digital platforms, social media, and company websites for recruitment. Now, more than ever, personal connections, referrals, and networking will play a significant role in securing job opportunities in an arguably struggling economy.

If you're applying for a job, we suggest considering all of the job sites below to maximise your chances of finding suitable positions.

1. LinkedIn

If you have a career, you almost certainly have a LinkedIn account. LinkedIn has become an essential tool for New Zealand professionals to network, find jobs, and enhance their brand. Businesses widely use it for recruiting, marketing, and building professional relationships.
LinkedIn enables users to create profiles that serve as online CVs detailing their work experience, education, skills, and endorsements from colleagues. This helps them build and maintain professional connections.
Job seekers can use LinkedIn to search for job opportunities, while employers and recruiters can post job openings and search for potential candidates. Many New Zealanders end up using the “Easy Apply” job application button to 'shotgun apply' to many roles in their industry.
However, it's not without its downsides - job adverts may be ghost roles, as outlined in this July 2024 Reddit post. The problem of ghost roles is also in New Zealand, as outlined in a recent discussion.
Trade Me charges for job listings, so we believe there is more intent from companies advertising to hire. LinkedIn, with lots who end up landing these roles - although sometimes these can be "phantom roles" and the companies themselves are not hiring, they just want to see what's in the market).

2. Seek

Alongside LinkedIn, Seek is a leading employment marketplace in New Zealand. It functions as a comprehensive platform for job seekers to find employment opportunities and for employers to recruit candidates.
Like Trade Me Jobs, it offers job listings across various industries, including full-time, part-time, contract, temporary, and casual positions, covering numerous sectors, such as IT, healthcare, education, construction, and more. Users create profiles, upload CVs, and receive personalised job recommendations based on their skills and preferences.
Both job seekers and employers widely use Seek due to its user-friendly interface and comprehensive features that streamline job search and recruitment processes.

3. Industry recruiters

For those who work in niche industries or are relatively senior, it may be easier to go through a specific recruiter that specialises in placing people in that industry. For example, if you work in law, you might choose Tyler Wren as legal/accountancy recruiter, DGA if you’re in the finance space or Randstad if you’re in the tech space.
Many New Zealand firms choose not to announce they're hiring publicly, given the flood of CVs and applications that routinely arrives. Instead, They will contact recruiters to find the New Zealanders with the specific talent they need (circumventing the hundreds or thousands of CVs they have to review).
There are also many mainstream recruiters who list jobs (examples being Adecco, Robert Walters, Robert Half, Michael Page, Hays, among others). New Zealanders looking for jobs often apply on places like Seek and LinkedIn but also go down the recruiter pathway.
Our guides to the popular recruiters in Auckland, Wellington and Christchurch have more details, as does our job hunting section.

4. Apply directly to companies through their careers pages

Often, large companies list the vacant jobs they're looking to fill directly on their websites. If the company is large enough (e.g., Coca-Cola, Spark, Fonterra, etc.), it's far more likely to have its own internal HR team to run a recruitment process from the applications it gets directly.

5. Get referred internally from ex-colleagues, friends, family or acquaintances.

Many jobs that get filled never make it to the public realm. Often, roles that come up will first go to any warm leads or intros/referrals that the direct team hiring has, leading to an informal, fast-track interview process. This is especially true in SMEs that want to move fast and save on recruitment costs.

6. Zeil (new tech platform)

As one of the new consumer tech platforms on the scene in New Zealand, ZEIL is a job marketplace app designed to revolutionise the recruitment process. It leverages a social media-style, swipe-based interface similar to dating apps. This approach simplifies and modernises job searching and recruiting, making it more engaging and dynamic for users.
Job seekers can browse through job listings and swipe right to apply for positions they are interested in, making the job application process quick and intuitive. The app uses data-driven algorithms to provide personalised job recommendations based on user profiles, experiences, and preferences, ensuring better job matches.
Job seekers can create video cover letters, allowing them to stand out and make a more personal connection with potential employers. Employers can access detailed analytics and insights, enabling them to optimise their recruitment strategies and improve candidate quality and efficiency.
The platform targets a digital-native workforce, particularly appealing to Gen Z and millennials looking for engaging and value-driven employment opportunities.

Alternatives to Trade Me Motors

1. Are you selling a car? Trade Me consistently has the most vehicle listings of any website, around 80,000 (July 2024), compared to AutoTrader (around 40,000), and has the most website traffic, meaning more people will view your car. The fees for selling a car range from around $29 to $450 using Trade Me (depending on the car's value), whereas AutoTrader charges a fixed $20.

Facebook Marketplace is another alternative; Facebook allows sellers to display their cars without paying any fees. Communication within Facebook Marketplace is done through Messenger, and you’ll instantly receive a notification when someone makes a comment or has an inquiry on your listing. However, it's not without its risks, and online users suggest avoiding it for car sales. You can also advertise your listings in local Facebook Groups to increase your car’s exposure to interested buyers. Some Facebook Groups to look at include Cheap Cars New Zealand | Sell | Buy | Swap | Trade, NZ Cars Buy Swap And Sell or Buy And Sell Cars Auckland (if you’re in Auckland).

Turners is one of New Zealand’s largest used car deal networks. This can be a great place if you want to sell a damaged car with no warranty or “as is” because fixing would simply be too expensive for you. There are three ways to sell your car with Turners:

Turners CashNow - you receive an offer on the spot, and money will be deposited to your bank account within 48 hours. All you need to do is book an appointment with them which takes less than 30 minutes.
Trade-in - you can use your old car to help you purchase your next car as a down payment. There’s also an option to finance the difference. You can book an appraisal appointment with them to determine how much your car is worth.
Sell by Auction - this requires no input from you as the seller. The car is automatically put into auction, and the market will decide the final price. For sale prices below $1,999 (and no reserve), there is an additional $55 auction entry fee on top of the commission.

Know This: Before going any further, we suggest reading our guide to selling a car which has more information to help you make the right decisions.

2. Are you buying a car? Trade Me boasts the most vehicle listings in New Zealand, with around 80,000 listings as of July 2024. Some listings are from dealerships, meaning you'll be protected if something goes wrong with the car. As an alternative, AutoTrader has around 40,000 vehicle listings, providing a substantial selection.

Facebook Marketplace can be the wild west and either easy or a lot of hassle. Scams are routine and communication is done through Messenger, meaning you could be dealing with anyone. However, there are Facebook Groups that have some moderating - examples include Cheap Cars New Zealand | Sell | Buy | Swap | Trade, NZ Cars Buy Swap And Sell or Buy And Sell Cars Auckland (if you’re in Auckland).

Turners is one of New Zealand’s largest used car dealer networks, offering various purchasing methods. You can use your old car as a down payment towards your new purchase, with financing options available for the remaining balance. There are also auctions where the market determines the final price, often providing good deals.

Know This: Before making any decisions, we recommend reading our comprehensive guide to buying a used car for detailed information and tips to help you make an informed purchase.

Alternatives to Trade Me Property

Trade Me Property is a popular site if you needed to find a property to rent, flatmate or browse homes to buy. However, there are alternatives, as outlined below:

1. OneRoof.co.nz

OneRoof is a comprehensive real estate platform and serves as a property listing portal where users can find houses for sale and rent across the country. The site, like Trade Me Property, provides various features including property valuation estimates, sold prices, rateable valuations, and detailed property reports.
The platform aims to enhance real estate transactions by offering the latest property market insights and tools to help buyers and sellers make informed decisions. Additionally, OneRoof includes news, commentary, and opinion pieces related to the property market to keep users updated on trends and developments.
The site, owned by NZME (the owners of the NZ Herald), gets around 3 million monthly views per per Similarweb stats (higher than both RealEstate.co.nz and Homes.co.nz, outlined below).
OneRoof vs Trade Me: OneRoof has fewer properties listed for sale to that on Trade Me, but significantly less rentals, and no flatmate or house sharing listings.

2. realestate.co.nz

realestate.co.nz is one of the most popular alternatives to Trade Me Property, serving as a comprehensive platform for property listings nationwide and is one of New Zealand's longest-standing standalone property sites.
The site is one of the most popular real estate websites in New Zealand, attracting more — than 2.5 million visitors each month due to its comprehensive listings and user-friendly interface per Similarweb stats.
Realestate.co.nz, like Trade Me and OneRoof, aims to connect buyers, sellers, renters, and real estate professionals, facilitating finding, buying, selling, and renting properties all over New Zealand. It's a key tool for anyone involved in the real estate market.
realestate.co.nz vs Trade Me: realestate.co.nz has fewer properties listed for sale to that on Trade Me, but around half the rentals, and no flatmate or house sharing listings.

3. Homes.co.nz (owned by Trade Me but running as a separate website)

Homes.co.nz is a comprehensive property website that provides free sales histories, estimated values, and council records for homes across the country. The platform aims to give homeowners, buyers, and real estate professionals detailed insights into property values and market trends through a user-friendly map interface.
It allows users to claim their homes, update property features, and track the value of their properties with fortnightly updates. Homes.co.nz receives roughly 2 to 2.5 million monthly viewers (slightly below or on par with RealEstate.co.nz per SimilarWeb data).
Homes.co.nz is part of Trade Me which it bought in 2021 to enhance its property listings and provide users with more extensive property data and insights. However, it operates as a separate entity and has a standalone website separate from Trade Me Property.
We believe the site provides specialised property data and insights that complement Trade Me Property's listings.
Homes.co.nz vs Trade Me: Homes.co.nz has far fewer properties listed for sale to that on Trade Me, and far fewer the rentals, and no flatmate or house sharing listings.

Other options: Live Listings of Real Estate Agents.

Most real estate agent websites (e.g. Bayleys, Harcourts, Barfoot & Thompson and Ray White, among others) have built-in listing functionality on their websites for the properties they're advising or selling on behalf of the owner. However, agents still need to list the property on multiple sites to increase visibility - we believe the preference is still Trade Me, followed by realestate.co.nz, followed by oneroof.co.nz. This is why popular opinion suggests listing a property on Trade Me is essential, given the visitor numbers.

Must Know Facts related to Trade Me Property Alternatives

1. When in doubt, triple check the estimates

While some house valuations can be similar on each platform, some differ extremely (10 - 20%+ price gap).
Cross-check with other platforms (and the local council CV) before settling on an approximate valuation for the property you're looking at. Often, these estimates are built off models that pull in vastly different data about the property (like characteristics of the house, age, number of bedrooms, square footage, valuation of the relative properties in the area, etc.).
These platforms often update prices intermittently and aren’t always completely up to date with the most recent data (e.g. REINZ). While the property platform estimates are helpful, they may not always reflect the exact market value. There’s always the pathway of getting a professional valuation done at the time you’re buying/selling for the most accurate information.

2. As a buyer, be extremely wary of the “house price estimate” on these platforms.

In recent years, New Zealand real estate valuation platforms have gotten flack for allowing agents to influence property price estimates with their appraisals, potentially increasing estimates by hundreds of thousands of dollars in days.
Real estate agents can effectively submit appraisals, which may then be used to adjust the estimated value on each real estate valuation website (like the ones listed above).
Whether a real estate agent's appraisal is incorporated into the house valuation depends heavily on the pricing algorithm. While agents do not influence most listings, their appraisals can be incorporated into the site's algorithm, influencing the price.
Trade Me Property and Homes disclose when an agent appraisal has been supplied. However, there will be significant disclaimers in the terms and conditions outlining the proprietary use of their algorithm in dictating the valuation price, and by signing these terms and conditions you’re comfortable with the platforms not sharing the specific algorithm. This lack of transparency can make it very difficult to determine whether the price estimate is accurate or has been influenced by a real estate agent.

One of the consequences of this perverse incentive is that properties saw substantial increases in estimated value shortly before being listed for sale. For example, Stuff cites:

A home on the Kāpiti Coast saw its estimate jump by $200,000 following an agent’s appraisal.
Another property in Petone, Lower Hutt, more than doubled in estimated value within a few months due to agent and owner influence.

Supposedly, real estate agents better understand local market conditions and property specifics than those running the property platforms/marketplaces (e.g. RealEstate, Homes, OneRoof, etc.). However, real estate agents have a strong incentive to push the price of the property up (whether to get current owners to try and take their property to an auction house or for prospective bidders to bid up the price on auction day).

Either way, it's best to take the property marketplace valuation estimates with a grain of salt and get your third-party assessment (ideally from a real estate agent or registered valuer who has no vested interest in trying to get a transaction away by selling the property).

3. The house price valuation is only as good as the data (and algorithm) underpinning it.
The underlying pricing algorithm is the biggest determinant of what value a property gets assigned. New Zealand property marketplaces don’t normally share these algorithms as they’re considered unique 'intellectual property' (that they want to keep a secret to ensure their competitors don’t copy it). However, this means that there’s no real way to tell whether the “home value estimate” you see is any more or less accurate compared to other platforms (or relative to the CV). This is why the best approach is to check multiple property websites (e.g. go to each website to check the house price estimate) and looking at the property's CV.

4. While many features are provided free of charge, be wary of their accuracy.
Property valuation marketplaces are a great free resource for all the problems they create. You can get free property data and sales histories of properties (that otherwise would have been very hard to source 10 years ago), see comparable company sales in an easy-to-view map format with relevant dates and house details, and access price estimate data (even if it is a little "iffy").

5. Understand and remember the reason these platforms exist—to get you to transact (buy/sell).
These platforms are great, but at the end of the day, they exist to make money. Most of the time, these platforms are monetised by charging people to list their properties on the platform (or taking a cut when a buyer and seller connect). Alternatively, advertising is another source of revenue for these companies (given that millions of New Zealanders are on these sites every month—that's a lot of visibility).

Alternatives to Trade Me’s Other Non-Core Offerings

Trade Me has strategically grown over the years, buying up innovative busineses and integrating them into its own, or starting new ventures outright. Our guide does not focus on these non-core offerings given their size. These include:

There are plenty of well-known and more popular alternatives to every offering above, given the rise in technology and changing habits.

Know This: We believe Trade Me is still good (but not as good as it once was)

Despite the negative social media commentary that Trade Me has experienced in recent years, it is still a staple of the New Zealand technology scene. Trade Me remains free to access, and millions of items are available to browse across all their domains and listings. Trade Me employs over 500 New Zealanders, contributes to the economy and supports local charities.
Without Trade Me existing, there would be many millions of New Zealanders without quality second-hand goods, cars and jobs. Trade Me has undoubtedly made a huge difference in the New Zealand technology scene. Still, we would argue there are a lot of improvements it could make (such as dealing with complaints, scams and keeping fees affordable) with the significant resources it has available.

More Details and Related Resources: