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While a part-time job may be your best bet for a steady stream of income, delivering pizzas or waiting tables might not be your thing. Or maybe you just need a little extra fun money to support your designer shoe habit.
Whatever the reason, we have a slew of unusual ways for you to bring in extra cash.
1. Sell Your BodyNo, not that way!
Instead, sell your plasma or even your hair. Either can be legally sold for money. Unfortunately, the government frowns on you selling a kidney — something about ethics, I hear. (In fact, it's illegal.)
Plasma will garner you pocket change — maybe $15 to $40 — while there are big bucks to be made with the right hair.
2. Participate in a Clinical TrialDo your part for science and earn some cash on the side by participating in a clinical trial.
Clinical trials are often intended for people who have specific medical conditions in the hopes of seeing how they respond to new treatments. However, some clinical trials also recruit healthy adults as a control group.
If you don't mind being a guinea pig, you can find clinical trials by searching on the National Institutes of Health database or this Food and Drug Administration page. In either case, use the search words "healthy" or "normal" to find trials recruiting healthy volunteers.
3. Round up Scrap MetalIf you have access to a truck or trailer, you can collect old metal items and head to your local scrap yard.
You need to do a little research to learn which items can be scrapped and where to find them. But this can be a lucrative niche for those who know what they're doing.
4. Walk Some Dogs — or Clean up After ThemSpread the word to family and friends that you are available for dog walking.
You could also post an ad on Craigslist or contact local kennels to see if they need anyone to exercise the canines under their care.
At the same time, you could also advertise a service to clean up after dogs. Some owners will gladly pay someone else to do the dirty work of picking up their yards.
5. House-SitBaby-sitting kids is one way to earn money, but why stop there? Houses are so much quieter, don't need to be fed and never talk back.
Several websites offer potential sitters the opportunity to connect with homeowners who need someone to keep an eye on their houses for an extended stay. It might be a good way to see the world, even if your compensation is just free room and board.
Advertise locally for people who are willing to pay you to check in on their house and maybe perform some light maintenance — such as lawn mowing — while they're gone.
Sites for Etsy, Zazzle and CafePress make it simple to create designs or products and then market your wares.
To get started, check out this article with tips to cash in on creativity.
7. Become a TranslatorIf you're bilingual or multilingual, you're a hot commodity. The Bureau of Labor Statistics reports that interpreters and translators belong to the fifth-fasting-growing occupation in the nation. From 2012-2022, demand for these professionals was expected to jump more than 46 percent.
Of course, you can still make money off your talents without working full time as a translator. Advertise locally or work on a contract basis through websites of such firms as Elance and Guru. Or check out Gengo, which is solely for freelance translators.
8. Make Money With your PhoneYou're attached to your phone 24/7, so why not let it make a little money for you?
We've got a big list of apps that can make your smartphone a money machine.
9. Work at Home as a Customer Service RepWhen you dial a company's 800 number, you may well be speaking to someone wearing fuzzy slippers and sitting on the couch.
Several companies outsource their customer calls to at-home representatives. To do this work, you may need a landline, specific equipment and a quiet, child-free zone.
West at Home and Alpine Access are two of the biggest companies hiring at-home customer service reps.
10. Join a Focus GroupCompanies are willing to pay consumers to provide feedback on products or share thoughts on a new idea. Often this is done through focus groups, which typically compensate members for their time.
Opportunities for focus groups are better in larger metro areas, but many marketers are moving to online discussions that can include consumers nationwide.
FindFocusGroups.com, FocusGroup.com and PlazaResearch.com are three websites where you can find them. You can also do a Web search for the words "focus group" and your closest metro area. The pay for participating in focus groups can range from $50 to $200.
11. Take Surveys for CashRather than spending hours in a focus group, you might spend 20 to 30 minutes filling out an online survey. On the downside, you earn peanuts for your feedback — payments seem to top out at around $3 per survey.
Since there are plenty of survey scams on the Web, search for reviews before inputting all of your personal information at an unknown site. To get you started, Pinecone Research, Viewpoint Forum and Ipsos are all tried and true survey companies.
12. Enter Contests & SweepstakesIt's unconventional, but some people make extra money from sweepstakes. It's probably only a marginally better option than hitting the casino, but at least you won't be losing any money.
To give it a try, head to a site like Online-Sweepstakes.com, which categorizes all the sweeps by date, prize and how often you can enter. There's also a forum in which you can connect with other sweepstakes fans.
13. Find Some Gigs OnlineAnother option if you have some free time is to check out TaskRabbit or Amazon Mechanical Turk.
At TaskRabbit.com, you bid on work that may include such real-world jobs as running errands and weeding gardens. At AmazonMechanicalTurk.com, you might do something like entering a few bits of data. It's easy work that, in some cases, will pay you literally pennies.
On other hand, if you have a talent that you think is worth $5 to someone else, post it as a gig on Fiverr.com.
14. Rent a RoomIt's probably not as unusual as it was a few years ago, but a lot of people make extra money by renting out a room in their home to travelers.
Airbnb.com is the biggest name in the business, but other sites offering to facilitate room rentals include Roomorama.com and 9flats.com.
15. Rent Your SpaceInstead of renting a room at your home, just rent a space.
For example, if a local festival means public parking is at a premium, charge a couple of dollars for people to park in your driveway or on your lawn. Or rent out space in your pole barn or garage to those who need to store items.
However, keep it legal by checking with your municipality first to make sure it's allowed.
Of all the things you could rent out to others, your friendship might be the strangest.
Sites such as RentAFriend.com allow people to rent someone's companionship for a day. Supposedly, it's all on the up and up and the outings are strictly platonic.
17. Be a TutorYou suffered through all those long years of algebra, geometry and grammar. As a tutor, you can get a little payback for the knowledge you gained.
Local schools or colleges might be a good place to look for tutoring opportunities. Otherwise, you can find online gigs at websites such as Tutor.com and InstaEDU.com.
18. Flip Items on eBayThe 50-cent finds you discover at a local thrift store or garage sale might be worth a whole lot more on the global marketplace of eBay.
It might take a little trial and error to learn what's worth money online, and you can search for "flipping on eBay" or "reselling on eBay" to learn the tricks of the trade.
19. Become a Mystery ShopperMany years ago, I worked as a mystery shopper, gathering information for businesses about their customer service and compliance with regulations. It was an excellent way to eat for free at high-end restaurants and earn some nice side cash.
Just be aware that mystery shopping isn't nearly as easy as you might think. My experience was that some shopping scenarios were a bit contrived — e.g., requiring you to ask strange questions or make returns immediately after a purchase. Once you finish shopping, you typically need to whip up a narrative of your experience, so good writing skills are a must.
If you want to give it a try, head to Volition.com, a website with a comprehensive list of legitimate mystery shopping companies as well as an active shopper forum.
20. Crowdfund your dreamsFinally, you could simply ask for money. Crowdfunding sites are available to let you solicit money from others for nearly any reason.
Check out this infographic from Inc. magazine's website, which highlights 22 crowdfunding sites.
This post originally appeared on Money Talks News.
More From Money Talks News:Image: iStock
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We will send the script to your PayPal email within few hours,Please add FullContentRSS@gmail.com to your email contact.After getting married last year, I've become familiar with the complexities of merging my finances with those of another person. Everything from filing a joint tax return to figuring out how to manage checking accounts together is a new challenge to tackle. And let's call it like it is: Most newlyweds would rather spend their free time socializing or snuggled up in front of Netflix than plotting out a financial plan.
See Also: Money Mistakes Couples MakeBut money affects your marriage in a big way, in terms of meshing your financial personalities and creating a secure future together. It's a downer to bring up the d word as wedding season blooms, but 56% of divorcees say that money issues contributed to their split, according to a Credit.com report. "If people talk about money as newlyweds, they may avoid some of those major issues down the line," says Aaron Hatch, a certified financial planner and co-founder of Woven Capital, in Redding, Calif.
I talked with several financial planners and other experts about money mistakes they see newlyweds make. Here are common problems, as well as tips on how to conquer each.
1. Avoiding basic money conversations.All the experts agree that communication is crucial—and that couples should start talking about money before they tie the knot. Yet many couples focus far more on planning the wedding than mapping a financial strategy. Some questions you and your spouse should discuss: What was your family's attitude toward money as you were growing up? How do you feel about taking risks with your investments? What are your short-term and long-term financial goals? How comfortable are you with merging your bank accounts and investments? What should the budget look like?
2. Failing to address divergent attitudes about money.If your views toward money are on opposite ends of the spectrum, take steps to meet in the middle. If one spouse prefers to save every extra penny and the other is willing to drop hundreds of dollars on gadgets or clothes without a second thought, agree on a budget that outlines how much money you'll save each month and how much is for fun. Working toward common goals—say, saving enough for a vacation to Europe—can help you stick to your budget. Keeping separate pots of money that each partner is free to use as he or she sees fit can also relieve tensions about spending.
Even if your attitudes about money are well-aligned, designate a maximum amount that each of you can spend without consulting your partner, suggests Susan Carlisle, a certified public accountant in Los Angeles. If you're on a tight budget, maybe that amount is $50 to $100; if cash is more readily available, the threshold may be a few hundred dollars or more.
3. Leaving one partner in the dark about household finances.If you love crunching numbers and your spouse cringes at the sight of a spreadsheet, then it makes sense for you to manage the budget and fill out the tax return. But that doesn't mean your spouse should be clueless. If one partner pays the bills and makes trades in the brokerage accounts, the other should review those accounts and actions, says Marcio Silveira, a certified financial planner and founder of Pavlov Financial Planning, in Arlington, Va.
Make a regular appointment—say, every month or quarter—to go over your finances together and discuss whether you're staying on track. Give yourselves a reason to look forward to it by going out for coffee or cracking open a bottle of your favorite wine, suggests David Weliver, founding editor of finance blog Money Under 30. It's also a good idea to keep a master list of account information, such as usernames and passwords, that both partners can access in case the person who usually manages an account is unable to do so.
4. Spending too much on a house.When you and your spouse combine incomes, your newly increased purchasing power may tempt you to shop for the priciest house (or car or other big purchase) you can afford. (You deserve to have a swimming pool!) But instead of dropping most of each of your paychecks on a new home, aim for a monthly payment that's about 25% of your monthly income, suggests Andrew McFadden, a certified financial planner and founder of Panoramic Financial Advice, in Fresno, Calif.
If you spend a lot more than that on your home, "you lock yourself into a lifestyle that doesn't give you much flexibility down the road," says Kitrina Wright, a certified public accountant and cofounder of UniteWright, an Indianapolis financial planning firm for young couples. Think about the future. Do you plan to have kids? Do you or your spouse want to pursue a graduate degree or start a business? Will your hypothetical kids wind up going to college? If you want to keep any of those options open, you need to have the cash flow available to support them.
5. Hiding or ignoring credit and debt issues.Whether couples purposely veil information or simply forget to grant full disclosure, they often neglect to share information about their debts, says Charles Donalies, a certified financial planner and founder of Donalies Financial Planning, in Washington, D.C. Though it can be uncomfortable to tell your partner that you're paying off a pile of credit card debt or that your credit score is in the doldrums, getting it all on the table is best both for your finances and for building trust in your relationship.
Review all your debts, and decide how you'll repay them. Some financial experts say that although one person may be bringing debts into the relationship, they become the responsibility of both partners once they marry. And it may make the most sense for your overall balance sheet to direct as much of both of your incomes as possible toward shrinking the debt. For example, paying off credit card debt with an 18% interest rate is more beneficial than investing money in the stock market and getting a return of 8% to 12%, says Silveira.
Check your credit reports together to get a handle on what accounts each of you has and to spot any problems, such as debts listed that aren't yours (it could be a sign of fraud or an error on the lender's part). You can each get a free credit report from each of the three major credit agencies—Equifax, Experian and TransUnion—once a year at www.annualcreditreport.com. Check your credit scores, too. Credit.com, CreditSesame.com and CreditKarma.com all offer free credit scores that will give you an idea of where you stand.
6. Being underprepared for the worst.Few of us want to think about what would happen if we died or became incapacitated. But preparing for such situations can save a lot of headaches during a difficult time. After they get married, couples often forget to update the beneficiaries on retirement accounts, such as IRAs and 401(k)s, as well as any life insurance policies they have. By law, a spouse is the automatic beneficiary for most 401(k) and other workplace plans, unless you indicate otherwise. But you'll have to designate your spouse as an IRA beneficiary. Whether you want the money to go to your spouse when you die, make sure you update the accounts and policies, as necessary.
Couples should also compose wills and advance medical directives (such as living wills and health care powers of attorney) that state their wishes. It's often best to consult an attorney, but online templates at such sites as Nolo.com and LegalZoom.com may do the job if your estate plan is simple.
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We will send the script to your PayPal email within few hours,Please add FullContentRSS@gmail.com to your email contact.Facebook is finally rolling out its Messenger payment features to all users across the U.S., now making the old "I'll pay you back later" excuse obsolete.
Facebook first began testing Messenger payments in March in a few select locations, and it later expanded them in May to New York City and the surrounding areas. Now everyone in the U.S. can use Messenger payments, which Facebook said "gives people a more convenient and secure way to send or receive money between friends."
How it worksThe first time you attempt to send money through Facebook Messenger, the app will ask you to set up a debit card that will be used for all future payments. Everything else is pretty straightforward.
Sending moneySecurity is the primary concern for any app or service that requires payment information, and that is doubly true for a service run by Facebook, which does not have the best track record for privacy.
In the blog post first announcing Messenger payments in March, Facebook explained that the app is completely safe to use.
"Incorporating security best practices into our payments business has always been a top priority," Facebook said at the time. "We use secure systems that encrypt the connection between you and Facebook, as well as your card information when you ask us to store it for you. We use layers of software and hardware protection that meet the highest industry standards."
Facebook added, "These payment systems are kept in a secured environment that is separate from other parts of the Facebook network and that receive additional monitoring and control. A team of anti-fraud specialists monitor for suspicious purchase activity to help keep accounts safe."
So yes, the app is safe to use — at least according to Facebook anyway.
Image credit: Facebook, Inc.