Home Blog

23 Apps That Pay You Real Money in 2021

0
apps that pay you real money

Are you interested in downloading the best money making apps that pay you real money?

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone (in under 5 minutes).

The best part? A lot of these require no effort at all.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money?

Sure, another 100 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best money making apps that you can add to your side hustle arsenal.

How to Make Money with Apps

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Next, we’ll move on to other ways to earn with your mobile phone.

1. Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  Browser

2. Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

3. InboxDollars

inboxdollars

Another app that offers you the opportunity to play games for real money is InboxDollars.

If you sign up before the end of this month, they also give you a $5 free bonus just to give it a try.

By spending just 5-10 minutes per day on this (either on your lunch break or during TV commercial breaks) you can earn and earn an extra $50/month just for playing games. They also offer you the opportunity to earn cash for sharing your opinion and completing surveys.

More people should be doing this.

GET STARTED >>

Download: iOS | Android | Browser

4. Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilot

Sounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

5. Nielsen Mobile

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

6. Mistplay

make money fast

Getting paid for playing games sounds like a dream.

But if you download Mistplay then you can start earning money for playing addicting games. As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games.

This app has over 35,404 positive reviews in the Google Play store (it’s super legit).

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

7. Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

8. Branded Surveys

branded surveys

Branded Surveys holds a 4.5 out of 5-star rating with Trustpilot. The parent company, Branded Research, has been conducting market research since 2012.

When you register as a new member, you’ll earn 50 points, then another 50 points will be credited to your account after filling out your profile (a $1 sign up bonus in total).

Once your account is created, you can immediately start taking surveys, which can be worth up to $5 each. After you reach 1,000 points (equal to $10 USD), you can cash out your earnings in your local currency (USD, CAD, GBP).

Click here to try out Branded Surveys

GET STARTED >>

Download: iOS | Android | Browser

9. Capital One Shopping

capital one shopping

One of the best savings (and making money) apps is Capital One Shopping. It’s a shopping app that can help you make money in two ways: finding better deals and giving you rewards.

It can help you save money on products you buy daily. Once you install the app on your browser, it will show you lower prices on things during checkout.

The other way is by giving you rewards when you shop. Once you shop at stores they work with, you can get reward points and redeem them for gift cards. It’s that easy and there’s no catch (and 100% free). This free app is open to everyone, no Capital One account required.

GET STARTED >>

Download: iOS | Android | Browser

10. ZippyLoan

ZippyLoan get money fast

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

ZippyLoan offers you online personal loans in about 5 minutes on their completely secure website.

This website connects you to lenders which means that waiting times are minimized unlike at a bank. The money is usually deposited in your account the next day you apply for a loan.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

11. Zynga Poker

zynga

Zynga Poker (iOS and Android) is your lucky ticket to join one of the world’s most popular free online poker games.

This free gaming app has more tables, more tournaments, more jackpots, and more players to challenge than ever before.

The best part? You can actually win real money by downloading it here for Android or iOS.

GET STARTED>>

Download: iOS | Android | Browser

12. Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

13. Cash Signup Bonuses

cash sign up bonus

Cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. Swagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  2. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  3. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that offers a ton of ways to earn money.
  4. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

14. Fetch Rewardsfetch app

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

  1. Click here to download Fetch
  2. Scan any receipt from any stores that you use daily
  3. Get cash (via PayPal)

Enjoy your free money!

Click here to sign up and get a quick $2 in your account after scanning your first receipt.

GET STARTED >>

Download: iOS | Android | Browser

15. Game of Throne Casino Slots

game of throne slots

Winter is coming. If you’re a fan of slots and Game of Thrones, this gaming app is a must.

The experience and selection of slots along with the social element take this slot casino to the next level.

Are you ready to spin the slot machines on your way to the ultimate glory: The Iron Throne? You can download the app for free here (iOS).

GET STARTED>>

Download: iOS | Android | Browser

16. Truebill

truebill app

One thing that I’ve found is that the easiest way to get more money is simply by saving more.

But most people are used to their standard of living, so it can be hard.

That’s why I was pleasantly surprised to learn about a new app that automatically lowers your bills and cancels forgotten subscriptions.

Within a week of using it, I saved $230.34 and it’s very common among users to save even more.

In fact, this free app has saved its users over $15M to date!

If you wanted to see if they can lower your bills, download it for free here.

GET STARTED >>

Download: iOS | Android | Browser

17. SoFi Money

sofi money

Want to get spotted a $100 for free? Get up to $150 with SoFi Money this holiday season when you set up a free checking account and start spending.

Simply sign up for SoFi Money, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card.

There’s no catch and totally free. The good thing is that SoFi Money doesn’t have any account fees, monthly fees, or any other common types of fees.

This bank account is legit and only takes two minutes to sign up for an account.

GET STARTED >>

Download: iOS | Android | Browser

Best Money Making Survey Sites

I sat down and studied all of the best survey apps to find out for myself which ones are legit (and high paying), and which ones are not.

If you wanted to compare some more, here is the list of the best money making surveys:

18. Survey Junkie

survey junkie

Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.

Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.

This is one is the more reputable survey companies out there and millions of users have already joined.

  • Where it’s available: United States, Canada, and Australia
  • Age requirements: 13+ years old
  • Average earnings: $0.50 – $3 per survey
  • Payment method: PayPal cash in all countries, or gift cards and direct bank transfers in the United States
  • Minimum to cash out: $10
  • Where to sign up: Survey Junkie Official Site

GET STARTED >>

19. Swagbucks – $10 Signup Bonus

swagbucks

Swagbucks lets you earn money in so many ways like taking surveys, shopping online, or playing games, but many people love racking up money by watching videos in their spare time.

You can cash out your ‘Swagbucks’ as gift cards to hundreds of merchants or get your cash by PayPal (legit cash to your bank account). Many claim this to be one of the best reward sites in 2020 and they are currently offering a $10 sign up bonus.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: Swagbucks Official Site

GET STARTED >>

20. InboxDollars – $5 Signup Bonus

inboxdollars

InboxDollars pays members to read emails, take surveys online, playing games, and search the web!

Overall, Inbox Dollars is super easy to navigate. I’ve tried other paid survey sites and just end up overwhelmed.

They also do a nice job of breaking down the offers into categories.

And you’ll always see the amount of money you’ve earned at the top of your window, which is exhilarating.

Right now they are offering a $5 cash bonus just for joining.

  • Where it’s available: United States
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $5.00 per survey and up to $10 and $20 or more for people in certain demographics
  • Payment method: Gift cards, prepaid Visa card, or a check in the mail
  • Minimum to cash out: $30
  • Where to sign up: InboxDollars Official Site

GET STARTED >>

21. Vindale Research – $1 Signup Bonus

vindaleGet paid to take online paid surveys with Vindale Research.

Here, you’ll take surveys for money about products created by some of the world’s most famous companies – including Disney, Volkswagon, Amazon, Nike, Samsung, and more.

For each survey you complete, you’ll earn money.

They pay you straight cash. You don’t have to convert your points into cash, you can see your earnings on the dashboard.

Payout is through Paypal or check.

To get started, simply create your free account. It only takes a couple of minutes, and you’ll receive a nifty $1 signup bonus when you do.

  • Where it’s available: United States, Canada, United Kingdom, and Australia
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $2.00 per survey
  • Payment method: PayPal or a check in the mail
  • Minimum to cash out: $50
  • Where to sign up: Vindale Official Site

GET STARTED >>

22. MyPoints – $5 Signup Bonus

mypoints

MyPoints rewards its members for online activities such as reading emails, playing games, online surveys, printing out coupons, and more.

They pay their members using their own currency known as “Points”.

These points can be redeemed for online gift cards, cash via Paypal, and travel miles, etc. The minimum payout amount for most rewards is $10; however, PayPal payments start at $25.

Redemption times for your awards vary. When you redeem your points for cash via Paypal, the request is usually processed within 4-5 days. For other prizes, the wait time varies.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: MyPoints Official Site

GET STARTED >>

23. Survey Voices

survey voices

Survey Voices is one of the easiest survey sites to sign up for, they just need your email.

Once you’re in you can take surveys and get paid $100-$300 per week.

Sign up using this link for the highest paying surveys.

All you need to do is instantly qualify, then view exclusive offers in exchange for your opinions and get access to paid surveys, clinical trial opportunities, and part-time work offers.

Who doesn’t want to make $300 a week?

Survey Voices is looking for people to tell major brands what you think about their products and services. And they PAY WELL.

  • Where it’s available: United States.
  • Age requirements: 13+ years old
  • Average earnings: $.50 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: The minimum threshold to request a payout is $30, and you’ll pay a $3 processing fee
  • Where to sign up: Survey Voices Official Site

GET STARTED >>

Once You Have $100 in Your Checking Account, Do These 5 Things

1000 in bank

Once you built some cushion in your bank account — you’re on the right path. Money making apps can only get you so far, it’s time to think about longer-term financial goals.

What’s the next step you should take?

Here are ways to take your finances to the next level:

Leave Your Family $1M

Who doesn’t want to be a millionaire? While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance.

Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money? You don’t have to have money in your pockets to get a free quote from Bestow.

If you’re interested, I recommend you sign up for more information from Bestow by clicking here.

Build an Emergency Fund

Having money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money.

Start with a high-yield savings account like CIT Bank that offers a Savings Builder that will pay a great APY and still give you instant access to your money in case of an emergency. You can open it with $100 and deposit $100 a month to help you get to $1,000 in less than a year.

Evaluate Your Checking Account

Need a better checking account that’ll spot you a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Get Free Stocks Instantly

While you’re at it, why not increase your net worth with a free stock? Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

Start Building Passive Income

Fundrise is definitely one of the best passive income apps. This app was originally an iOS app and it has just become available on Android.

By downloading this app, you can start investing in real estate all around the US in as little as 30 minutes and it’s super easy to get started. Then you can literally beat the stock market year after year and start making money in your sleep

If you want to earn the big bucks then you can learn how to get started by getting more information from Fundrise here.

Best Money Making Apps for Android and iOS

Your next bet is to get some quick wins through freebies and sign up bonuses.

The three survey sites below are legitimate and you can join from your smartphone.

I’m not the biggest fan of survey sites, but it’s worth it just to claim a quick sign up bonus.

Once you’re in and a paid survey is ready for you to take, you’ll get a notification. Sign up for all 3 below (will open in new tabs) and you’ll get paid up to $50/per survey.

Quick Cash Bonuses

survey junkie

Welcome Bonus: Get 150 Registration Points here
Potential earnings per month:
Up to $200

What it could add up to in a year: $2,400 ?
Additional Referral Earnings: 10% of your referral’s earnings

GET ACCESS NOW


Download: iOS | Android | Browser

inboxdollarsBonus: Get a $5 sign up bonus here
Welcome Bonus: $5
Potential earnings per month: Up to $175
What it could add up to in a year: $2,100 ?
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $5 BONUS NOW

Download: iOS | Android | Browser

swagbucksBonus: Get a $10 sign up bonus here
Welcome Bonus: $10
Potential earnings per month: Up to $200
What it could add up to in a year: $2,400 ?
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $10 FREE NOW

Download: iOS | Android | Browser

Need More Money Making Apps?

A ton of people are searching online for the best money making apps.

Well, look no further, because if you wanted more ways to make money online then these are literally the best free money making apps that’ll pay you real money.

So consider scrolling back up and taking a second look.

Also, cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. cash sign up bonusAspirationWant to get spotted a $150 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.
  2. Swagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  3. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  4. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that works similarly to Rakuten.
  5. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

Good luck with making money with your phone!

5 Tips For Better Work-Life Balance

0
work life balance

Maintaining a work-life balance is about separating your professional and personal life and not allowing one to intervene with the other. Both are equally important and should not be neglected.

When your personal life and work life are out of balance, your stress levels will increase. This will make you vulnerable to many health complications.

Following are some tips for maintaining a healthy work-life balance.

1. Take care of yourself

Sometimes people fail to recognize the importance of taking care of yourself. This is where they falter in balancing their personal and professional life. Try to take care of yourself. Some simple ways to take care of you are; maintain and practice good hygiene, spend time with family and friends, enjoy every day and take time to relax.

2. Healthy Eating Habits

What you eat each day has a significant effect on your health. Good nutrition plays a major role in helping you to lead a healthier lifestyle. When combined with physical activity, your diet can help you reach and maintain a healthy weight and reduce your risk of chronic conditions such as diabetes or heart disease, and promote overall health and wellbeing. Include fruits and vegetables in your daily which are packed with all essential vitamins and minerals. Try to eat 5 servings each day. Also, try bright-colored fruits because they are rich in antioxidant properties.

3. Get enough sleep

A good night’s sleep is very important to cope with daily life stress. Get a good sleep so that your body needs to recover from day-to-day stressful events. Minimum of 7-8 hours of daily sleep is important. Sleep is as essential as healthy and nutritious food and exercise. Getting enough sleep is not about how many hours we sleep, but it’s all about how many hours we had a quality and sound sleep. Quality sleep helps us to stay active, feel fresh and happier.

4. Exercise Daily

Make exercise a regular habit. Physical activity is very important for all age groups. It helps to burn calories assisting in weight management. Exercise has many benefits like increasing life span, protection against diseases, managing body weight, etc. It is advised to spend at least 30-40 minutes daily doing exercise. Regular exercise is an important part of a healthy lifestyle and you should commit to it for a longer life.

Exercise helps your body stay healthy. Depending on what kind of exercise you do, your body will benefit in different ways. Weight lifting helps your entire body build muscular strength with the right routine while running gives your heart a workout. Swimming is good both for building muscle and maintaining a healthy heart.

5. Limit the Use of Gadgets

A healthy way to use gadget is to determine how much value it is adding to your life. Unless it’s absolutely necessary to be using it at the time, your time is better used on something more important. Many scientists believe that radiation from smartphones may cause blurring vision, headaches and earaches and may be the reason for cancer too.

Quality of work-life balance is very important for maintaining a healthy lifestyle. Always remember that work is an important part of your life but there are other aspects that need your time and attention. Make sure to balance things to lead a happy and cheerful life.

Working round the clock causes stress, poor health, and burnout. Instead, try to achieve a better work-life balance. Whether you are at home or at the office, it is critical to make use of your time efficiently. It’ll also boost your immune system and keep you out of the doctor’s office.

Health Insurance Guide for Dummies

0
health insurance guide

Understanding Health Insurance can be tricky. We are here to explain health insurance in a simple, easy, and informative manner so you can understand your health insurance options.

There appears to be a multitude of millennials and individuals that had unexpected bills because of a problem with their medical insurance or their medical practitioner. This article will cover the basics of health insurance, as is relevant for most consumers.

Remember, your choices for healthcare are personal. The health insurance policy that’s best for one individual may not be the best for someone else.

Health Insurance Guide Contents

  • Health Insurance Vocabulary
  • An Illustrative Example
  • Negotiated Rates
  • Fully-covered Services
  • Types of Insurance Policies
  • Comparing Insurance Policies
  • Lowering the Cost of Healthcare
  • Preparing for Medical Treatment
  • Dental Insurance
  • Afterword

Health Insurance Wiki

When reviewing at a health insurance policy, there are four numbers you really want to look at when you’re comparing health insurance plans: The policy’s premium, deductible, co-insurance, and out-of-pocket maximum.

The premium is the cost of the insurance coverage. It can be billed weekly, monthly, or however often the insurance company/your employer decides.

The deductible is the amount that you pay out-of-pocket for medical services each year before insurance starts paying anything.

Co-insurance is the percentage of medical costs that you pay after meeting the deductible.

A co-pay is a fixed amount that you pay for a service. You usually only pay co-pays for services not subject to the deductible.

The out-of-pocket maximum is the maximum you pay for medical expenses in the calendar year. Once the out-of-pocket maximum has been met, the insurance company will pay 100% of medical costs for the remainder of the year.

Health Insurance Example

Bob pays $500/month has an insurance policy with the following characteristics: A $2,000 deductible, 20% co-insurance, and an out-of-pocket max of $5,000.

In January, Bob got sick and had to visit the doctor. Because he hadn’t yet met the deductible, Bob had to pay for $150 for the visit out of his own pocket.

Current Status:

Deductible: $150/$2,000

Out-of-pocket Maximum: $150/$5,000

In June, Bob had a heart attack and went to the emergency room. The bill for the hospitalization and the diagnostic exams came out to $2,850. From the bill of $2,850, Bob is required to pay $1,850 towards the deductible (he paid $150 for his earlier sick visit) and $200 (20% of the next $1,000) as co-insurance. Bob has now met his deductible and has paid $2,200 towards his out-of-pocket maximum. Bob’s insurance company has paid $800 of Bob’s medical expenses.

Current Status:

Deductible: $2,000/$2,000

Out-of-pocket Maximum: $2,200/$5,000

In August, Bob needed emergency surgery and spent a week recovering in the hospital. The bill for the surgeon and hospital stay is roughly $30,000. Because Bob met his deductible, he is only required to pay the 20% co-insurance of $6,000. But Bob already paid $2,200 towards his out-of-pocket maximum of $5,000. So Bob only needs to pay $2,800 to meet his out-of-pocket maximum, and the insurance company pays the remaining $27,200. Bob is not having a good year.

Current Status:

Deductible: $2,000/$2,000

Out-of-pocket Maximum: $5,000/$5,000

Disaster strikes again. In October, Bob breaks his leg and racks up another $10,000 in medical bills. Because Bob met his out-of-pocket maximum, he doesn’t have to pay anything. Bob’s health insurance pays the full $10,000.

Current Status:

Deductible: $2,000/$2,000

Out-of-pocket Maximum: $5,000/$5,000

Over the course of the year, Bob spent $6,000 for his health insurance and $5,000 on medical expenses for a total of $11,000. Bob’s insurance company spent $38,000 ($800 + $27,200 + $10,000) on Bob’s medical expenses. Bob’s wallet is hurting, but at least he has something left in it.

Under the Affordable Care Act, medical insurance providers cannot put an annual or lifetime cap on how much they’ll pay for expenses for essential health benefits. Essential health benefits include emergency services, hospitalization, maternity and newborn care, prescription drugs, and more.

Health Insurance Negotiated Rates

In the above example, having health insurance was financially an excellent move for Bob. For $11,000, he avoided paying $43,000 worth of medical bills. But most people don’t have medical bills that exceed their out-of-pocket maximum. For those individuals, health insurance provides a secondary benefit called “negotiated rates”.

When you visit a medical practitioner or hospital, they can bill any amount they want (although some are limited by local laws). For some practitioners, the insurance company negotiates how much they’ll pay them for that service. For example, a doctor may charge $200 for a sick visit. But the insurance company negotiates that they’ll only pay $75 for a sick visit. The $200 bill sent by the doctor to the insurance company is called the pre-negotiated rate. The $75 bill in this instance is called the negotiated rate. An insured patient at an in-network practice will not need to pay more than the negotiated rate.

The medical practices that have a negotiated rate with your insurance company are considered to be in-network. The medical practitioners that did not agree to the discounted rates are considered to be out-of-network. An out-of-network medical provider can charge you the pre-negotiated rate. Taking the above example, the insurance company may only pay $75 for a $200 out-of-network sick visit, leaving the patient responsible for the $125 balance.

Additionally, insurance companies also may have different deductibles, co-insurance, and out-of-pocket maximums for in-network vs out-of-network visits. For example, the deductible may be $3,000 for in-network visits and $4,000 for out-of-network visits. It is usually most efficient financially to only use in-network providers.

Health Insurance Fully-Covered Services

All ACA-compliant insurance policies fully cover well visits and preventative care at in-network providers. These include medical care like immunizations and checkups. That means that someone going for a regular check up does not have to pay anything for the visit, independent of whether or not the deductible was met.

For example, Alice has a health insurance policy with a $1,000 deductible. Alice is healthy and wants to stay that way, so she schedules a flu shot at her doctor’s office. Even though it’s January and Alice hasn’t paid anything towards her deductible, her insurance policy completely covers the flu shot and Alice does not have to pay any part of the cost.

Types of Insurance Policies

  • HMO (Health Maintenance Organization): HMO insurance plans generally have cheaper premiums than the other types of plans. The drawback is that they are also usually the most restrictive when it comes to selecting health care providers. Most HMO insurance plans also require a referral from your primary care physician (PCP) to see a specialist.
  • EPO (Exclusive Provider Organization): EPO insurance plans, like HMO, usually will only cover non-emergency medical costs from providers that are in-network. Referrals are not usually required in order to see specialists.
  • POS (Point of Service): POS insurance plans will usually cover medical costs both in- and out-of-network, though you will typically pay less at in-network providers. Referrals from a primary care provider may be required to see specialists.
  • PPO (Preferred Provider Organization): PPO insurance plans, like POS, cover medical costs both in- and out-of-network, with cheaper costs when staying in-network. A referral is usually not required to see specialists.

HMO and PPO plans are the most common. Most health insurance plans can be compared by looking at the participating (in-network) providers, whether a referral from your physician is needed to see a specialist, the deductible and/or co-pays, and the out-of-pocket maximum.

Most of these options can be improved at the expense of increasing the premium. With all else being equal, a plan with a lower deductible will have a higher premium. Similarly, a plan with a lower out-of-pocket maximum or a larger provider network may also have a higher premium.

Comparing Insurance Policies

When considering insurance policies, you’ll want to verify that your doctors are all in-network and that you’ll be able to easily visit an in-network practice in the event of an emergency. If you can’t use your health insurance to lower your medical bills, it doesn’t make a difference how low the premium is.

When comparing healthcare policies, I’ve found it worth examining the minimum, expected, and maximum cost for each policy. The minimum cost would be for the premiums and any regular prescriptions and medical visits necessary. The maximum cost would be the sum of the premiums and out-of-pocket maximums. The expected cost would be the average amount you expect to spend on healthcare over a year, including the premiums and the cost of several sick visits.

The expected cost of an insurance policy can be affected by many factors. The larger your family, the more sick visits you’ll likely have during the year. The expected illnesses and complications for a 25-year old are very different than those of over 65-years old that need life insurance. Another factor to consider is that if a family member has a chronic condition, your calculation for the expected cost could be very different. Likewise, if you (or your wife) is pregnant and has been having minor complications, you can expect that you’ll have many more doctor’s visits than normal, and you’ll need to evaluate the chance of the baby spending time in the NICU.

The expected cost of your health expenses is where health insurance becomes extremely personal.

Lowering the Cost of Healthcare

Healthcare expenses can be quite high, with deductibles of several thousand dollars and out-of-pocket maximums over ten thousand dollars. Luckily, the IRS allows people to sometimes lower the actual cost of healthcare expenses by paying for them pre-tax.

Some employers grant access to a Healthcare Flexible Spending Account (HCFSA, sometimes called FSA), where money is taken out of the employee’s paycheck pre-tax. Then, as the healthcare expenses are incurred, the employee submits the receipts to the HCFSA program, which then reimburses the expenses from the pre-tax allotment. Some HCFSA programs also supply a debit card which can be used to pay for eligible expenses.

One of the biggest issues with HCFSAs is that the money allocated for them is “use-it or lose it”, meaning that only expenses incurred during the calendar year can be reimbursed from the HCFSAs. Any money left in HCFSA cannot be used in the following calendar year. While some companies allow carrying over up to $500, you’ll need to check your companies exact policy to determine what amount, if any, can be carried over to the following year.

For example, Joe allocated $2,000 for his HCFSA. Over the course of the year, Joe incurred $1,000 of medical expenses. Joe’s company’s HCFSA does not allow carrying over any funds in his HCFSA, so Joe loses the remaining $1,000 in the HCFSA.

Another option available is called a Health Savings Account (HSA). If someone has an insurance policy classified as a High-Deductible Health Plan (HDHP), they are allowed to open and fund an HSA. An HSA can be funded with pre-tax dollars, and unlike an FSA account, the balance is not forfeited at the end of the year. Any money left in the HSA at age 65 can be withdrawn without penalty, similar to a traditional 401(k).

Preparing for Medical Treatment

There are many stories of people being shocked with a bill for thousands of dollars. Below are the steps you can take to avoid owing (potentially) thousands of dollars.

  1. Choose an in-network practitioner. Verify that they’re in-network by calling your insurance company or checking your insurance company’s online directory. Many people have been told by a secretary that the practice is in-network and then learned otherwise. If you go out-of-network, you’ll likely have to pay the full charge for the service and will likely need to submit the bill to the insurance company yourself for reimbursement.
  2. If a referral or preauthorization is needed, make sure the paperwork is squared away. You may receive an EOB for the upcoming procedures. If you don’t receive an EOB, call your insurance company to verify that all necessary paperwork went through.
  3. After each visit, you should receive an explanation of benefits (EOB) with an itemized list of what the doctor billed for. If there is an unexpected or fraudulent item, contact the doctor’s office to clarify why that line is included on your bill. Health providers are required to provide an itemized bill. If the charge is fraudulent, contact your insurance company.
  4. If you go to an out-of-network practice, keep a copy of the statement from the doctor’s office, in case you need to submit the claim to your insurance company yourself. Even if the secretary says they’ll submit the claim to your insurance for you, they may not – and you’ll be the one who has to foot the bill.
  5. Once you determine how much is owed from a medical visit, submit the expense to your HCFSA for reimbursement.

Dental Insurance

Dental insurance operates similarly to health insurance, with similar plan types, provider networks, deductibles, and co-pays. However, dental insurance policies can have an annual or lifetime maximum for services, as they are not legally required to offer unlimited benefits.

Afterword

I hope you found it educational and understandable. If I omitted any important details, or worse, made a mistake, please let me and the other readers know!

The Complete Guide to How To Be a Freelance Writer

0
how to be a freelance writer

So, you want to be a freelance writer?

Freelance writing provides an opportunity to get paid for writing and generate an unlimited amount of income, with the perks of working from home and a flexible work schedule. However, it requires discipline, business skills and a degree of self-promotion.

Characteristics of a Successful Freelance Writer

There are a number of factors that differentiate superior writers from those that abandon the field after a few attempts. Here are some of the qualities of a skilled freelancer:

Writing Ability. It may seem obvious, but a fledgling freelance writer should possess a basic knowledge of sentence construction, grammar, punctuation, and spelling. Before you bill yourself as a writer, spend some time in perfecting your skills. In addition to being able to write well, you should know how to conduct research on any given topic. Fortunately, the Internet is an abundant resource for information on all types of subject matter.

If you feel you need help in cultivating or refining your writing skills, there are many exercises and workshops and online learning courses on the Internet. Your local community college may also offer classes specifically for freelance writers.

Discipline. As a freelance professional, you must be a self-starter on many levels. You must be able to establish your goals and outline how to meet them. Analyze your schedule and determine how much time you can devote to your work each day.

Professionalism. The best freelance writers establish and develop strong relationships with their clients. From your first assignment with a given customer, you need to display a professional demeanor as well as willingness to hone your content until it meets the client’s approval.

Marketing Skills
If you intend to make money from writing, you must publicize yourself. Write a resume that focuses on your writing activities. Create a portfolio of your writing samples. Start a website or a blog. Print business cards that identify you as a writer. Join online writing communities to make contacts.

Potential Income

With the ever-increasing amount of content on the Internet, there are countless opportunities for competent freelance writers. Your ability to generate income depends upon the quality and quantity of your output. Some freelancers earn more than $100,000 annually, but this is not typical. It takes time to build a business, and most freelance writers earn less than $10,000 in their first year.

Job Sources

The Internet abounds with companies that provide writing assignments or encourage you to submit your own content. Depending upon the payment structure, you will be compensated on a per-article basis, or perhaps on the number of people that read your content.

Contact your local newspaper to investigate freelance writing opportunities. A few well-written contributions may lead to ongoing work or salaried employment. National magazines tend to pay well, but competition is intense. Publications such as Writer’s Market provide a wealth of information on writing opportunities.

But what should you be writing about? And who will pay for you? Good questions. Give these sites a look:

Avoiding Burnout

Writing demands the conflicting skills of creativity and self-discipline. It is easy to become frustrated, especially when facing a tight deadline. When this happens, step away from your assignment. Take a walk. Get some exercise. Research your subject on the Internet to learn how other writers have approached it. All of these steps might help you obtain a fresh perspective and deliver a polished product.

Good luck on becoming a successful freelance writer!

How to Make 1 Dollar a Day Online (Seriously)

0
how to make 1 dollar

Need to make extra cash? No matter what your reason is for needing to make 1 dollar fast, don’t worry. Here are 13 legit ways to make $1 cash fast.

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone.

(In under 5 minutes)

The best part?

A lot of these require no effort at all.

I get it. Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want. You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money? Sure, another 1 dollar earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens?

This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best apps that pay that you can add to your side hustle arsenal.

How to Make 1 Dollar Fast

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Need Easy Extra $1 Fast Right Now?

Next, we’ll move on to other ways to earn with your mobile phone.

1. Make $1 Fast with Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilotSounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

2. Make $1 Fast Playing Games with Mistplay

make money fast

We all heard the old saying “Time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 35,404 positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

3. Get Money Fast with ZippyLoan

zippyloanIf you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get.

You can borrow between $100 and $1,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

4. Make Money Fast with Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

5. Make $50 Fast for Downloading Nielsen App

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

6. Make Over $1 Fast with Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  More »

7. Make $10 Fast with Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money app!

make money

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link. You can save money with over 2,000 stores. When you use Rakuten to shop, you get cash back.

Click here to sign up for Rakuten and get $10 to start.

GET STARTED >>

Download: iOS | Android | Browser

8. Get $1 Fast with Blackout Blitz

blackout blitz

Blackout Blitz (iOS) is a brand new bingo-style game where you can win real cash prizes by playing bingo.

I’ve won over $1,000 playing just the Bingo game alone. But I do play some of the other matches that are labeled “brackets” and in those, you can win a higher dollar amount.

They also have special events where you can win prizes and larger sums of money and yes, they do deliver on paying you out if you do win whatever prize that is up for grabs.

All in all, I really like this game and spend a good amount of time on their other games too because they’re all pretty fun and super addicting!

If you don’t like to gamble then don’t gamble and only play the free portion and if you do wish to gamble at a later time then you can.

Click here to try out Blackout Blitz (Apple App Store)

GET STARTED >>

Download: iOS | Android | Browser

9. Get a Free Stock with Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

10. Earn $1 Fast with Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

11. Get $1 Fast with Lucktastic

lucktastic

If you love the feeling of buying lotto tickets or scratch-offs and dreaming about the money ???? you stand to win — then you would seriously enjoy playing Lucktastic (download for Android only).

This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

I was hesitant at first but this gaming app has over 327,695+ positive reviews in the Google Play store.

You can win up to $10,000 in card cash prizes and there are daily $500 Amazon gift card giveaways. The threshold for payout is only $2 and you can get daily opportunities to win big when you download the Lucktastic app for free.

GET STARTED >>

Download: iOS | Android | Browser

12. Get $1 Fast with Stash

stash

Join 4+ million people on Stash and you can buy fractional shares of stocks such as Amazon or Google.

This way, you can afford these expensive stocks and start earning real money in the stock market.

Plus, you can also get your paycheck up to 2 days early and stop paying ridiculous fees.

You can download this app here in the Apple store.

GET STARTED >>

Download: iOS | Android | Browser

13. Make $1 Fast with Fetch Rewards

fetch rewards

Yup, it’s true!  There are several companies out there that will give you free money just for signing up.

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

Here are the steps:

  1. Click here to download Fetch and use referral code C1JAV to get your $2 referral bonus!
  2. Scan any receipt from any stores that you use daily.
  3. Get cash (via PayPal).

Enjoy your free money!

And there is no minimum amount you need to withdraw to your PayPal account either.

Click here to use your $2 Fetch Referral Code!

GET STARTED >>

Download: iOS | Android | Browser

The Bottom Line

Learning how to make a quick $1 doesn’t have to be difficult. We’ve made it easy for you by listing 13 legitimate ways for you to learn how to make 1 dollar fast today.

So what’s stopping you from earning that quick cash?

Good luck!

Top 33 High Paying No Experience Jobs (Near Me)

0
no experience jobs

Looking for jobs that don’t require a degree or experience that are hiring near you? Check out this list of 33 high paying no experience jobs.

Whether you’re a fresh-faced college student, a high school teenager learning how to make money, or just breaking into a new field, chances are you’ve been confronted by the “experience paradox”.

Simply put, the experience paradox is one of the most enigmatic paradigms that exist: you need the experience to get the job, but you need the job in order to get experience.

Being able to overcome this challenge can be the difference between the freedom of having a car and having to bum rides from your friends whenever you need to go somewhere (gas is expensive!).

This phenomenon can be frustrating for anyone, especially when you know you could be a perfect fit for a job, and yet you don’t have the chance to show it.

Best Paid Jobs With No Experience Needed

The first of these best jobs with no experience? A survey!

1. Survey says…you deserve extra cash

Looking for a legitimate cash job? Then you probably know what they say about opinions…well, it just so happens some people do want to hear them. Taking mere minutes to complete, surveys are a quick way to put some extra cash in your back pocket.

Surveys are a ‘you scratch my back, I’ll scratch yours’ kinda deal. Companies receive vital information from an average joe – that’s you! – and in return, you get a few dollars for your time.

There are a lot of survey sites out there, so start with these:

Survey Junkie – Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.  Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.  Click here to start earning money with Survey Junkie.

Swagbucks – Swagbucks makes surveys fun by having you watch videos, answer questions, play games, and use their search engine. Click here to get a $5 signup bonus with Swagbucks.

Nielsen – Yep, it’s that company that tracks TV ratings, and they want to hear from you! After installing the Nielsen app on either your phone or PC, the app monitors things like the terms you use to find sites, what time of day you use them, and even how long you browse.

2. Blog your way to a bonus

Do you have opinions you simply need to share? Well, you’re in luck!

Surveys aren’t the only way to make money with what’s rattling around upstairs.

Blogging gives you an opportunity to vent, to inform, and if you’re smart enough – and with a little help – make some extra cash in the process.

Don’t worry, you don’t have to be the next George R. R. Martin to run your own blog. You just need to have something to say, and the words to say it with. It just so happens, both of those are free.

Free blogging platforms like WordPress and Squarespace are as good a place as any to get started.

3. Write an e-Book!

The digital revolution has arrived, and with it the ability to self-publish your own book.

Sure, we all lament the loss of the physical book, but Amazon’s Kindle book store makes it easy for just about anyone to publish their very own e-Book. Whether it’s a work of fiction, nonfiction, or science fiction. Maybe even just a helpful guide on a topic you’re familiar with?

With Amazon’s Direct Publishing platform, you no longer need a publisher. Simply get yourself up to speed on the process, write something unique on an interesting topic, throw an enticing cover on the front and hit Publish.

With the power of one of the world’s largest online retailers behind you, there’s no reason why you can’t succeed!

4. Drive for Lyft or Uber

Uber and Lyft have revolutionized the transport industry. Taxis? Those are so last decade. Ride-sharing is the new face of transport, and it’s showing no signs of slowing down.

If you have a car and some spare time, then these services give you the flexibility to earn some extra cash when and where you want.

With ride-sharing services also expanding into food delivery with the likes of Deliveroo and Uber Eats, there’s no shortage of opportunities. They’re always looking for more drivers.

If you don’t feel up to driving but still have a car doing a whole lot of nothing in the driveway, then consider renting it out via Turo or GetAround. Less work, same reward!

5. Get paid for surfing the world wide web

You already browse the web, right? So why not get paid to do so! In fact, this is one of the easiest ways to make a dime online.

Simply install the Qmee browser add-on, and you’re set!

When you search online, you’ll notice the odd sponsored result featured alongside regular search results. Each of these will offer a cash reward that you simply have to click to collect.

Told you it was easy!

6. Get paid to shop

Similar to Checkout 51, Ibotta pays you for going shopping and not just on weekends.

No, really, it does!

The app presents you with a list of offers currently available on a wide range of products, from food to drinks all the way through to cleaning products. Here’s how it works:

  1. Look for a product you were planning on buying, and click on it.
  2. Earn extra money back by completing the extra tasks attached to the item, like taking a poll or sharing the item on Facebook.
  3. Select a participating store that you’re buying the item from.
  4. Upload a picture of your receipt.
  5. That’s it! Simply sit back and wait for the cash to show up in your PayPal.

7. Work from home by…renting your home with Airbnb

Like Uber did for Taxis before it, Airbnb is fast revolutionizing the holiday and travel accommodation industry, and you’re set to profit from it!

If you’ve traveled recently, chances are you’ve rented a place to stay via Airbnb, or at the very least give it a look. An online marketplace for people with space, rooms, or even entire houses to spare, Airbnb lets you list your place for rent just like a hotel or motel.

Maybe you’re traveling overseas yourself and want to make the most of your empty place while you’re away? Perhaps you have a spare room that currently houses nothing more than empty boxes? With AirBNB you can turn to fill that empty space in your home, and fill that empty spot in your wallet with more than a little spare change.

Alternatives like VRBO, HomeAway, and HomeStay are also worth a look.

8. Transform a Fiverr into a Fiver

If you’ve got the skills, then Fiverr can help you pay the bills and can be your part-time weekend job that pays well.

Fiverr is one of the world’s largest online skills marketplaces, featuring adverts from people the world over in need of a very particular set of skills. If you have those skills – in things as diverse as graphics and logo design through to writing and translating – then there’s a job on Fiverr for you. The best is that they pay you in PayPal, with no threshold, which you can turn into cash quickly.

9. Drop (ship it) like it’s hot

Looking for a lucrative online part-time job? Dropshipping can be the answer.

Chances are you’ve heard of Dropshipping before: the retail method where you sell products from other businesses without ever having to hold on to stock. You simply purchase the item from the retailer once you’ve made a sale, and ship it directly to your customer.

It’s an easy way to run an online store without any of the hassle!

No stock to manage. No shipping to take care of. You just sell the products and rake in the profit.

With the likes of Shopify and Oberlo, there’s never been an easier – or better – time to take up drop shipping.

Simply set up your online storefront with Shopify, and then use Oberlo to quickly and easily import the products you want to sell into your store. No hassle. No fuss. It couldn’t be easier! Legitimate Ways to Make Money from Home

10. Become an affiliate marketer

Affiliate marketing isn’t unlike drop shipping. But where the latter has customers buying items through your storefront, the former simply redirects people to online stores like Amazon via your own link.

If they buy something by following your personal link? Then you earn a cut of the sale.

That’s how affiliate marketing works.

You don’t need a website from the likes of WordPress or SquareSpace, either. You can sign up as an affiliate and share that link via social media sites like Facebook or Twitter, too.

The more people that see your link, the more likely you are to land a sale.

Interested? Sign up to the MaxBounty network, or join some of your favorite online retailers like Amazon or Green Man Gaming as an affiliate. In fact, check most every site you usually buy from online: chances are they’ll have an affiliate program that you could become a part of.

11. Go coupon crazy with Rakuten

You’ve probably used coupons before.

But Rakuten? It’s like coupons turned all the way up to 11.

In fact, even just visiting the website and signing up for a free account can net you a $10 Walmart Gift Card!

From there, you’re free to browse and buy from the hundreds of products, stores, and businesses on offer. Dell? Macy’s? Best Buy? From electronics to food, there’s offers galore, each of them offering discounts and cashback on purchases you make.

12. Become a stay-at-home salesperson

Like a door-to-door salesperson only with far less leg-work, hosting sales “parties” at your home on behalf of the likes of Avon and Pampered Chef is a great way to meet new people and make some money.

13. Earn income by watching videos

This one might just be the toughest in the list…

…who are we kidding, all you need to do is watch some short videos.

Given how easy it is to lose yourself in a never-ending cycle of YouTube videos, this one couldn’t be easier.

The catch here? The videos include ads.

While they may annoy you while browsing YouTube, you also don’t get paid to watch them. At InboxDollars, you do. Who wouldn’t watch an ad or two if they were getting paid?

14. Pave paradise to put up a parking lot

Many houses, rentals, or other accommodations include a garage, driveway, or some form of a parking space. If you’re not making use of it at the moment, chances are there’s someone who could.

Better still, they’ll pay you for the privilege.

Just Park lets you ‘let’ your parking space to busy people who are tired of paying through the nose for daily parking. The busier your area, the more you’re likely to make.

15. Sit!

It’s more than a command shouted at a disobedient dog or what we spend most of our days doing in front of a screen (guilty). In fact, it’s also a job that could net you some serious moolah.

All you have to do is sit!

Ok, so there’s a little more to it than that, but babysitting, dog sitting, or any other kind of -sitting is an easy way to make some quick cash from the comfort of your (or someone else’s) home.

If you’re feeling super adventurous? You could also expand into dog walking. Goodness knows people have more money than sense when it comes to their pets! Legitimate Ways to Make Money from Home

Interested? Rover, Tailster, or FindaBabySitter.com a look.

Note: If you’re planning to look after kids, you’ll need a CRB (Criminal Records Bureau) check or similar.

16. Embrace the freelance lifestyle

Can you write a mean article? Work some website magic? Kill it on social media like a sorcerer? Then the life of a freelancer might just be for you!

In today’s side-gig economy, the demand for smaller, focused, niche tasks and in turn skillsets is growing.

This is where you come in: you can use sites like PeoplePerHour, Freelancer, and UpWork to create an online profile, complete with a list of your skills and a CV. From there, you can advertise your skills for hire or apply for jobs. Legitimate Ways to Make Money from Home

If a company or business deems your skills worthy, you’ll get the job!

Better still, freelancing means you can work for anyone, from anywhere. With the power of the web at your fingertips, you can work for clients from the US to the UK all the way to NZ!

Fulfilling and flexible, freelance work is a great way to fill your spare hours and your bank account.

17. Become a YouTube sensation

Print is far from dead, but to say the video is on the rise would be an understatement! I recently learned about how much Youtubers make and were really surprised.

While becoming an overnight sensation may be a *little* out of your reach, YouTube’s Partner Program now lets you make a profit from videos you make and upload depending on the number of views they receive.

So get that camera out and start shooting. Be original, find a unique angle, and make videos that people want to watch and the views – and funds – will follow.

18. Get paid for being an armchair politician

Do you have politics on your mind?

Let’s be honest, it’s hard not to!

If you’re feeling in the need to stand up and take action, and earn a few dollars as you do, then consider Next Wave Advocacy, LLC. Sites like this aim to raise awareness and push for law reform, and they pay people like you to call up constituents and press them to open up a dialogue with members of Congress. Legitimate Ways to Make Money from Home

19. It’s couponing, but not as you know it

Whether you’re trying to save money or make it, you’re probably sick to death of hearing about coupons.

But wait, there’s more!

It turns out there’s more to couponing than saving money on your purchases. Did you know there are sites like CouponChief out there that will pay you to find the best coupons?

Simply share your best coupons with the community, and the more people that use them, the more you’ll earn! You can also get paid to coupon and go grocery shopping with the iBotta app.

20. Become an at-home customer service rep

We know outsourcing is all the rage these days, which is why businesses are eager to get you involved in their customer service operation.

Outsourcing companies like Alpine Access and Working Solutions both specialize in this field, offering work to part-time or, better still, home-based workers.

Oh hey, that’s you!

21. Review software in your spare time

If you get the ins and outs of software and software development, then this opportunity may interest you.

The guys over at SoftwareJudge need you!

In exchange for your diligent, well-written review of their software, they’ll reward you with cold hard cash. The more reviews you write, and the more trusted you are? The more reviews you’ll land, and the more money you’ll make. Legitimate Ways to Make Money from Home

22. Don’t let your Tweets go ‘cheep’

Do you pride yourself on your social media following? Have a bunch of followers that groan at your puns and memes?

Well, you’re in luck. PaidPerTweet is here, and they’re offering to pay you to tweet messages from their group of advertisers. How much you earn depends on various metrics like how many followers you have and the tweet’s reach.

The more followers you have, the more you’ll earn.

23. Objection! Become a mock juror

Lawyers and legal representatives often use online mock trials to test out their case, work through the process, and gauge the reaction of an actual jury before they do it for real. Think of it like a wedding rehearsal dinner, only the people in suits here are far less likely to end up drunk by the end of the night…

Anyways, these mock trials need mock jurors, which is where you come in. If you’re interested in sitting in virtual court and earning a bit as you do, simply sign up at eJury.com.

24. Turn your clicks into cash

Sites like Amazon’s Mechanical Turk and Clickworker take mindless clicking and incentivize it with, you guessed it, cold hard cash.

These sites work like any other crowd-sourcing site, only instead of raising funds they ask you to take up jobs from businesses in need of a whole lot of people to complete a task, and quick!

Sure, the tasks aren’t all that glamorous. But if you’re happy to enter some data, fill in a few forms, or carry out web searches, there’s good money to be made for the work you do.

25. Tell the musicians what you *really* think

Money, money, money…must be funny…or sad, or serious, or just plain bad.

ABBA puns aside, if you enjoy talking about music as you do listening to it, then there’s a place out there that’s willing to pay you for them.

SliceThePie is the name and paying you to review unsigned bands or live acts is their game. The more reviews you leave, the higher your reputation will grow, and the more money you’ll stand to make. You’ll have more than $20 in your pocket in no time.

26. Claim anything and everything on your tax

There are still two certainties in life:

Death, and taxes. Legitimate Ways to Make Money from Home

While we can’t do much about the former, we can do something about the latter.

Whether you work part-time or full-time, chances are you’re paying more than you need to in tax. There’s also more you could be claiming on your tax return to bring your total down and save – and make! – you money.

If you’re a writer, for example, then writing supplies, laptops, and even subscriptions to word-editing programs can be fully or partially claimed. If you’re a student or a business and you’ve taken out a secured or unsecured personal loan recently, then there are deductions to be made here, too.

While you’re at it, check Unclaimed.org and see if you’re owed a refund for overpaid taxes from jobs you’ve worked in the past.

27. A picture is worth 1,000 words…and more than a few dollars

Do you have an eye for the perfect shot?

Receive a bunch of compliments on the photos you take?

You could turn those niceties into nice new dollar bills in your back pocket.

Sites like iStockphoto and Shutterstock let you upload your own shots to their online marketplace, and earn money every time they’re sold to a customer. If you’re looking for more options, Foap and Fotolia are also worth a look.

If you want to make the most money you can, find the lucrative photo subjects that have high demand but low supply.

Whoever said you couldn’t have a Saturday job by working in the arts?!

28. Say goodbye to Google and hell to your new buddy, Bing Legitimate Ways to Make Money from Home

The self-proclaimed king of the internet, Google, can now be found on almost every device whether it’s a PC or a phone. This is why Microsoft is now offering you the big bucks – relatively speaking – to use their own search engine: Bing.

How does it work? Simply ditch Google, sign up to BingRewards, and earn as much as $5-$10 every month as you search which can then be cashed in for gift cards for big sites like Amazon.

29. Have you tried turning it off and on again?

Are you the tech expert in the family? People always bugging you to help them ‘Fix their computer’ or ‘Check their emails’? With Experts Exchange, you can finally get paid for all that unpaid labor you’ve been providing over the years!

Covering anything from software to hardware, you simply help resolve users’ technical issues and get paid in the process.

30. Siri! How do I become a virtual assistant?

If you have the skills to search the web and communicate well, then you’ve got the ability to pay the bills.

How so? Legitimate Ways to Make Money from Home

By becoming a virtual assistant.

Time-poor business owners or companies just don’t have the time to complete those daily tasks that keep their heads above water. So that’s where you come in!

Sites like Zirtual and Fancy Hands are looking for people like you to fill the role of virtual assistant for people like this, helping users complete tasks like making calls, scheduling appointments, and finding the best prices on a given product. In return, you get paid for each completed task.

31. Turn your hobby into a moneymaker

Some of us couldn’t draw a stick figure to save their lives (guilty as charged!), but if you can wield a pen, paintbrush, or knitting needle like a weapon then chances are you could turn your hobbies into a real part-time weekend job.

This is nothing new. Arts and crafts have always found a place at local markets. Only now you have access to not just your local community, but the entire world!

This process couldn’t be easier. Just sign up to sites like Etsy, RedBubble, or DeviantArt, create your own online storefront, and start listing your creations.

From here? Get the word out there via Twitter, Facebook, and other niche communities that might be interested in what you make, and start getting paid for the time you probably already put into a hobby that you love.

32. Tell website owners what you really think

According to research, users judge a website in just 50 milliseconds!

This means there’s a lot of pressure on business owners and web designers to get it right, first time.

And that’s where you come in!

You’re bound to have passed a judgemental eye over a website or two in your time online. Who hasn’t? “Eeww, why did they pick that colour?’ or a ‘Huh, this menu doesn’t work at all’. Now sites like UserTesting want to pay you for it part-time on the weekends.

The process is simple. You just sign up, complete a test review, and when you receive a new website in your inbox you pass over it with that same critical eye and then eye up your PayPal account for your payment.

33. Write articles

Writing is one of the easiest ways to make money online from the comfort of your own home and do it part-time too!

You won’t even need to change out of your PJ’s for this one!

Heck, you don’t even need to be a published author or experienced journalist. As long as you can write clearly and concisely, then there’ll be a writing gig for you.

But what should you be writing about? And who will pay for you? Good questions. Give these sites a look:

Have No Job Experience?

It has been said the most valuable commodity when trying to get a job is information. However, it has also been said there is no supplement for the experience. From the time we’re toddlers to our last dying breath, the majority of our lives are structured around the acquisition of knowledge. A lot of our efforts and value are applied for the exercise of overcoming our ignorance and acquiring a skill set that will bring us prestige and fortune in the future. Ultimately, it is not the sum of the knowledge obtained that makes a person skilled. It’s the context in which the learning takes place.

You can gain knowledge and relevant skills before completing your degree program. Showing potential employers that you have already taken a few classes and/or attended a couple of webinars or workshops proves that you take initiative and are dedicated to learning. These are two things that are often sought by employers—even if the job description doesn’t list them. Initiative and willingness to learn are two qualities to highlight because they position you as a professional who will work hard to develop the skills you need for the job.

When reviewing candidates, the majority of employers base their choices off of quality, not quantity. Consequently, during the application and interview processes, it’s important to highlight the qualities that set you apart. Common qualities that employers look for in candidates include superior communication skills, leadership ability, motivation, a willingness to learn, and problem-solving skills.

The Bottom Line

There was a time when temporary positions weren’t held in the highest regard. However, as the workplace has evolved, an increasing number of employers have begun to utilize temporary staffing strategies. Today, internships and temporary assignments give professionals the opportunity to gain experience and skills in a relatively short amount of time. More importantly, they both provide not only work experience, but field-specific experience and learning. Both types of positions are just another way of showing that you are committed to building your skillset and gaining more industry-specific exposure.

Enjoyed these legitimate no experience jobs? Leave a comment below!

10 Wonderlic Test Tips to Know to Pass the Test

0
wonderlic test tips

Did you recently find out that you need to take the Wonderlic test as a part of a job application? If so, you’ll likely want to learn some tips before taking the test. We’ll share some helpful Wonderlic test tips to help you pass the test.

The Wonderlic test is the most widely used pre-employment cognitive aptitude test administered to job applicants in the world. Companies hire Wonderlic Inc. to supply them with official Wonderlic tests that are given to potential employees, and Wonderlic then supplies the companies with data on the potential of their applicants.

Here are ten Wonderlic test tips you should know about the Wonderlic before sitting down and taking the test.

Wonderlic Test Tips:

Here are common questions people ask and tips on how to pass the Wonderlic test:

  • What is a good score on the Wonderlic? The average Wonderlic test score is usually 20 to 21, which is equivalent to an IQ of 100. The Wonderlic is designed so that the average score of everyone who takes the test is 20. A Wonderlic score of 26+ is a good score and if you get a high score, it means you are best suited for the job at hand.
  • Can you skip questions on the Wonderlic? You can skip questions on the Wonderlic test, even on the computerized version. You will have an opportunity to go back to any skipped questions before you submit your answers at the end of the exam.
  • Should I guess on Wonderlic? It is important to note that you are not penalized for wrong answers, so you should never leave any answers blank. That’s why you should skip questions you aren’t sure about and go back to them at the end and make an educated guess.
  • Can you use a calculator on Wonderlic? Unfortunately, calculators are not allowed on the Wonderlic test. All questions are designed to be solved without the need for a calculator.

1. The Wonderlic is Short

The Wonderlic test is a 50 question test that must be completed within 12 minutes. Before you know it, the test is over and your score is locked in.

The shortness of the test makes it ideal for employers to use on job applicants – the results can be used to compare to other job applicants and employees currently in their company, and employers don’t need to ask job applicants to spend a significant amount of time taking the test.

There are some versions of the Wonderlic of 30 questions in 8 minutes, but the vast majority of people take the 50 questions in a 12-minute version.

2. The Average Score is 20

A Wonderlic score is calculated by the number of questions answered correctly. So, if you answer 30 out of 50 questions correctly, your Wonderlic score is 30.

If you take a shorter 30 question version of the Wonderlic, your score is calculated based on the 50 question standard. So if you answered 18 out of 30 questions correctly, your Wonderlic score would be calculated as 30: (18/30) x 50 = 30

The Wonderlic is designed so that the average score of everyone who takes the test is 20. This allows the test administrators to calculate standard deviations and percentiles of the test takers.

An average score of 20 might sound like a low number – after all, that is only 40% of all questions answered correctly. However, the test is particularly tough because of two key factors: the difficulty of the questions and the time limit.

3. The Questions are Challenging

Questions on the Wonderlic consist of a mix of questions from many different topics including but not limited to arithmetic reasoning, paragraph comprehension, word matching, verbal recognition, geometric problem solving, deductive reasoning, pattern recognition, and general knowledge questions.

If you struggle with a particular type of question, it may be a good idea to look up sample questions and practice them. For example, you can find many free sample questions by just doing a search for “math paragraph problems”.

4. You Have 14 Seconds Per Question

Most people who take the Wonderlic test for the first time feel rushed throughout the test. That is because you are intentionally given a short amount of time to solve complex questions.

12 minutes divided by 50 questions equals 14.4 seconds per question. By the time you finish reading the question and the answers provided, you only have a few seconds remaining to answer the question.

When most people “fail” the Wonderlic, it’s because they run out of time – not because they don’t know the answers to the questions.

5. You Should Answer As Many Questions as Possible

Unlike some standardized tests like the ACTs or AP Exams, you are not penalized for answering questions incorrectly. You should answer every single question on the test – no matter what. Even if you are left with 30 seconds on the clock and have 20 questions to go, it’s time to start guessing!

Knowing that it is difficult to answer every single question without guessing, you should try to only focus on questions that you know you can answer correctly. If you come across a particularly tough question, it is best to take your best guess and move on.

6. Practice tests help you prepare

The best way to get ready for an upcoming Wonderlic test is by taking as many free Wonderlic tests as you can. You can typically find free online sample versions of the test by doing Google searches.

wonderlic test tips

Taking practice tests has two big advantages:

  1. Get a sense for the questions
  2. Get used to the time limit

While sample tests will not provide the exact questions found on an official Wonderlic test, you can get an idea of all the different types of questions asked – that way you won’t be surprised while taking the real test and waste precious seconds figuring out how to process information in the questions.

The time limit is by far the factor that most test takers struggle with. Make sure that your practice test has a built-in timer – if not, use your phone or some other device to time yourself. Taking timed practice tests will help you develop a mental clock in your head so you know if you are running ahead or behind of the time limit.

7. You Cannot Use a Calculator

Calculators are also not allowed on the Wonderlic test. You are allowed to use paper and a pencil while taking the test to help figure out math problems.

The Wonderlic test is supervised, and the test administrators are expected to know that calculators are not allowed on the test.

When going through practice tests, do not use a calculator. You do not want to start relying on something that you won’t be able to use on the official test.

8. There is no official “Good Score”

Sure, getting a better score than the 20 average is generally a good thing, but the quality of a Wonderlic score is compared to the type of job that you are applying for.

The average Wonderlic score of a janitor is going to be different than the average score of a neurosurgeon.

You should also neither be overly confident or discouraged based on your first practice test results. Try to focus less on an ideal score that you want to meet and more upon gradually improving your Wonderlic scores by taking additional practice tests or online courses to help.

9. You Won’t See Your Results

Unless your hiring manager decides to show you once you get the job, you won’t be given any indication of how well you did once you complete the test.

The HR staff or hiring manager will get a report from Wonderlic on your performance and will make a do not hire, hire with caution, or definitely pursue recommendation.

It should be noted that Wonderlic test results are one of the many factors that companies look at when evaluating candidates. Even if you ace the test, it definitely does not guarantee that you will get the job. For most companies, they consider test results as a pass or fail.

10. Confidence is Key

The Wonderlic lasts a very short amount of time, and it is easy to become quickly discouraged by the difficulty of the questions and the short time limit.

Only 0.2% of people who take the Wonderlic test finish the test without guessing. That’s 1 out of 500 people! Remember, no one answers all the questions on the test correctly, and everyone will feel rushed while taking the test. Try not to panic, stay focused, and stay confident!

Best of luck on the test and if you are stressing out, check here for some tips on ways to beat stress.

The 6 Best Tips for Submitting an Online Job Application

0
job application tips

Are you trying to grasp tips on how to fill out a job application online? See our tips so that you can get the most visibility for your online application.

When it comes to applying for a new job, it can be pretty daunting. We’ve been there, many times. Whether it’s your first job or you are already well into your career you can always find ways to improve.

A lot of effort goes into a job application and sometimes it can be hard to create an outstanding application that gets you noticed. From your resume to the interview preparation, it can be overwhelming.

Job Application Tips and Tricks

Here are 6 tips for a successful job application so that you can get the most visibility for your online application.

Tips for Filling Out a Job Application:

Here are common questions people ask about when filling out a job application:

  • What are good things to put on a job application? You’ll want to present your skills. The position description that a company advertises can give you a solid idea of exactly what skills the employer wants. Read them carefully and think about how your abilities match the employer’s needs. When you describe your skills on the job application, avoid trite and overworked phrases.
  • How do you stand out on a job application? You need to know the traits that will impress the employer, ensure your resume matches the job, follow-up (twice), speed your replies, and prepare for phone interviews.
  • What color pen should be used when filling out a job application? You will want to use black pens because they contrast better with the documents you are writing on which are typically lighter in color. Black is also more professional looking and is used for legal documents and form-filling. Also, scanners prefer blue ink to blue ink.
  • What are some skills to include in a job application? You’ll want to include your commercial awareness, communication, teamwork, problem-solving, leadership, and organizational skills.
  • What should not be on a job application? You should never include gender, race, religion, or national origin on a job application. Also, the employer should never ask about these traits on the application or during the interview.

Here are some other tips to keep in mind during the job application process:

1. Never Settle

When you’re looking for a new job (especially if you’re desperate to get out of your current one), you may start to look at jobs that are way below your skill set.

Believes us when we say… do not settle! The only time you would settle is if you absolutely have to. But even then, if you’re in a job you’ve ‘settled’ with, you should still be looking elsewhere for something you deserve.

Take your time to figure out what industry you want to be in, what skills you have (you probably have more than you think), what salary you want, and where you see your career going. Make sure you know what’s important to you when it comes to choosing an employer and read the job descriptions carefully.

The best way to go about this is by journaling it out; outline your skills, attributes, and what fields interest you. This will help you narrow down your job hunt.

2. Write a Powerful Resume

Okay, so what makes a powerful resume? How can you stand out to employers? Firstly, it’s a great idea to find out if your employer uses an Applicant Tracking System (ATS). This is a type of software that scans your resume for keywords before passing it onto an actual human being. If you need an ATS resume, you’ll need to change up the format.

powerful resume

Keywords

Firstly, use keywords! Assess the job description and use those keywords in your resume. You may have to tailor each resume to a specific job description, but that’s what will help your resume stand out. (We actually recommend tailoring for each job… but sometimes you may not have enough time.)

Structure and Proofread

Secondly, format, structure and proofread! No employer likes seeing spelling or grammatical mistakes, so make sure to give it to someone else to glance over. The structure of your resume should be easy to read. If you’re a recent graduate, put your education first, list your skills, and then your professional experience. If you’re a few years out of uni, you may want to put your professional experience first. Employers take on average about 8 seconds to scan your resume, so you want to ensure the first half of your page entices them to read more. It’s all about the first impression.

Personal Branding

You may want to add your own personal branding to your resume as well. This may include a logo, a picture (if the job description fits the bill), or other images. For example, if you were applying for a graphic design job, show your skills in a creative way on your resume! There are no rules (of course unless you find out the company uses an ATS).

Simple, straight to the point, and easy to follow = success.

3. Write a Strategic Cover Letter

Your cover letter is your pitch! You REALLY want to make it a good one. Again, you want to use keywords from the job description in the body of your letter. Make sure you’re addressing all the criteria they’re looking for (all the criteria you’re qualified for that is), and explain how you’ve developed those skills. If you can add statistics or how you’ve improved any systems, mention it! For example, hiring professionals in business would love to see if you’ve increased sales by 8% in Q1.

If you can, find out who is dealing with the application and address it to them. This makes your cover letter more personal and will show you’ve gone beyond the application to find out who manages it.

4. Research the Company

You never know when you’re going to get that first phone interview in response to your application. If you’ve applied to numerous jobs, it can sometimes be hard to track what you’ve applied for (we’re saying this from experience). There have definitely been a few times we’ve been caught out and have had to BS our way through a phone interview because we couldn’t remember what we applied for… the struggle is real. Make sure this doesn’t happen to you. Most hiring professionals can see right through it and know you aren’t prepared.

The best way to be prepared is to keep a note of all the jobs you’ve applied for and a little blurb about that company and why you chose it. When you then get that phone interview and the recruiter asks, ‘so, why did you choose company XYZ?’, you’ll have an amazing answer ready to go!

5. Face-to-Face Interview Prep

This is the BIG one! This is one of the last times to create a lasting positive impression. Before heading in here are a few things you’ll want to ensure you’re covered:

Company Research

What do they stand for? What are their core values? Their mission statement? Are they involved in any charity work? Choose something that takes your interest and talk about it in your interview.

Know Your Resume

They’re going to have your resume in front of them so you need to know your resume like the back of your hand. The WORST thing you could possibly do is lie, so make sure there are no fibs in your resume or cover letter that could get you in trouble during the interview.

Practice

There are definitely textbook interview questions that employers use and you’re bound to hear some. Write down your answers to a few common questions and then speak it out loud. The more you talk to yourself (it’s not weird, don’t worry), the better prepared you’ll be.

Equip Yourself with Questions to Ask

One of our favorite parts of the interview is when we get to finally ask questions. Suddenly the tables turn and you can take complete control of the interview. This is YOUR chance to find out whether or not YOU want to work there. It also gives you the chance to sneak in any other valuable things you think the interviewer needs to know about you. If you need some unique questions to ask for an interview, we’ve got you covered! You can get more information here.

Dress to Impress

This is SO important. You should dress like you already have the job. You want to be professional, clean, and tailored. Don’t be afraid though to pop a little bit of your personality into your outfit. Go with that colored blazer instead of the generic black if you’ve got it. Go with that awesome red dress you have or navy blue suit. Stand out! And the interviewer will be sure to remember you.

6. Send a Follow-Up Email

Always send a follow-up email. This tells the employer you’re definitely interested and keen for the role. Thank them for their time and that it was a pleasure to meet them. A thank-you note can go a long way.

Ready to Submit Applications? Go Get It!

Yes, job applications take a lot of effort and hard work. But if it’s your dream job you’re going after, it’s totally worth it. What are some of your top tips when it comes to applying for a job? Let us know in the comments below!

How to Make 15 Dollars Fast in 5 Minutes

0
how to make 15 dollars fast

Need to make extra cash? No matter what your reason is for needing to make 15 dollars fast, don’t worry. Here are legit ways to make $15 cash fast.

Today I’m going to show you some new strategies to make some extra money fast simply by clicking a few buttons on your cell phone.

(In under 5 minutes)

The best part?

A lot of these require no effort at all.

I get it. Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want. You don’t want to fall behind on bills and are wondering how to make money today or what apps pay you real money? Sure, another 15 dollars earned today wouldn’t hurt.

We’ve all been there, but what do you usually do when that happens?

This is an exhaustive list of things that anyone can do, today, in order to make money through the best mobile applications I’ve found.

If you’re strapped for time, I’ll go ahead and share the best apps that pay that you can add to your side hustle arsenal.

How to Make 15 Dollars Fast

Ready? I’ll only list legit ways that I’ve personally used to make money, and make it fast. We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Need Easy Extra $15 Fast Right Now?

Next, we’ll move on to other ways to earn with your mobile phone.

1. Make $15 Fast with Survey Junkie

Taking online surveys to make that extra money is a no-brainer!

You definitely won’t get rich or make thousands of dollars per day with surveys alone, but you won’t waste much time, and you can make some money the easy way. Here is my favorite (and highest paying) survey site:

survey junkie

Survey Junkie pays between $2 and $50 per survey, and many of them take less than 5 minutes to complete. So if you took on average 10 surveys per day, every day for a month, you could make $375+ per month. If you took more surveys a day — the possibilities are endless.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trust pilotSounds like fun? Sign-up for Survey Junkie, take surveys and earn money from your phone fast. You can also get a registration bonus through here.

GET STARTED>>

Download: iOS | Android | Browser

2. Make $15 Fast Playing Games with Mistplay

make money fast

We all heard the old saying “Time is money” right?

Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid for it.

Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.

As you level up you can earn more money for cash rewards or gift cards.

This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 35,404 positive reviews in the Google Play store.

If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

3. Get Money Fast with ZippyLoan

zippyloanIf you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go.

You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get.

You can borrow between $100 and $15,000 as soon as tomorrow.

Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

GET STARTED >>

Download: iOS | Android | Browser

4. Invest in Real Estate with Fundrise

fundrise

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have 5/5 stars on TrustPilot, you can really make money with Fundrise.

fundrise trustpilot

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

GET STARTED >>

Download: iOS | Android | Browser

5. Make $50 Fast for Downloading Nielsen App

nielsen company

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make a quick $50 too.

Just by downloading an app, you can collect $50 per device and earn rewards. They just track your app usage and that’s it.

You don’t have to do anything other than initially registering your computer or phone.

Nielsen: This company will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50. Sign up through here for a registration bonus.

GET STARTED >>

Download: iOS | Android | Browser

6. Make Over $15 Fast with Solitaire Cube

solitaire cube Solitaire Cube is an addicting game where you can play Solitaire on your phone and compete in cash tournaments.

Solitaire Cube includes tournaments and head-to-head competitions with real cash prizes (where available).

It’s available on the Apple Store only, sorry Android users.

It’s pretty easy to get started and the game will match you up with other players who have the same level of skills in real-time.

Cash outs are through PayPal and I had no issues withdrawing or depositing money.

How to play? Stack cards into piles to sort them by their suit. Sound easy? It is!

GET STARTED>>

Download: iPhone | Android |  More »

7. Make $10 Fast with Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Hello, free money app!

make money

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link. You can save money with over 2,000 stores. When you use Rakuten to shop, you get cash back.

Click here to sign up for Rakuten and get $10 to start.

GET STARTED >>

Download: iOS | Android | Browser

8. Get $15 Fast with Blackout Blitz

blackout blitz

Blackout Blitz (iOS) is a brand new bingo-style game where you can win real cash prizes by playing bingo.

I’ve won over $1,000 playing just the Bingo game alone. But I do play some of the other matches that are labeled “brackets” and in those, you can win a higher dollar amount.

They also have special events where you can win prizes and larger sums of money and yes, they do deliver on paying you out if you do win whatever prize that is up for grabs.

All in all, I really like this game and spend a good amount of time on their other games too because they’re all pretty fun and super addicting!

If you don’t like to gamble then don’t gamble and only play the free portion and if you do wish to gamble at a later time then you can.

Click here to try out Blackout Blitz (Apple App Store)

GET STARTED >>

Download: iOS | Android | Browser

9. Get a Free Stock with Robinhood

robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

GET STARTED >>

Download: iOS | Android | Browser

10. Earn $15 Fast with Swagbucks Search

Swagbucks offers you the opportunity to earn cash for just searching the web.

Earn cash for searching for cute puppy pics?

Sounds too good to be true, but you read it right. Just switch from using Google or Bing to Swagbuck’s search engine and you’ll expect to earn up to $50 per month for active use. swagbucks Plus, you can get a $10 sign up bonus through this link.

GET STARTED >>

Download: iOS | Android | Browser

11. Get $15 Fast with Lucktastic

lucktastic

If you love the feeling of buying lotto tickets or scratch-offs and dreaming about the money ???? you stand to win — then you would seriously enjoy playing Lucktastic (download for Android only).

This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.

I was hesitant at first but this gaming app has over 327,695+ positive reviews in the Google Play store.

You can win up to $10,000 in card cash prizes and there are daily $500 Amazon gift card giveaways. The threshold for payout is only $2 and you can get daily opportunities to win big when you download the Lucktastic app for free.

GET STARTED >>

Download: iOS | Android | Browser

12. Get $15 Fast with Stash

stash

Join 4+ million people on Stash and you can buy fractional shares of stocks such as Amazon or Google.

This way, you can afford these expensive stocks and start earning real money in the stock market.

Plus, you can also get your paycheck up to 2 days early and stop paying ridiculous fees.

You can download this app here in the Apple store.

GET STARTED >>

Download: iOS | Android | Browser

13. Make $15 Fast with Fetch Rewards

fetch rewards

Yup, it’s true!  There are several companies out there that will give you free money just for signing up.

Fetch Rewards is a mobile rewards app that pays you for shopping (from any store).

This is a great way to make money, the easy way, and can add up to a large wad of cash with time.

Here are the steps:

  1. Click here to download Fetch and use referral code C1JAV to get your $2 referral bonus!
  2. Scan any receipt from any stores that you use daily.
  3. Get cash (via PayPal).

Enjoy your free money!

And there is no minimum amount you need to withdraw to your PayPal account either.

Click here to use your $2 Fetch Referral Code!

GET STARTED >>

Download: iOS | Android | Browser

14. Cash Signup Bonuses

cash sign up bonus

Cash in on the following signup bonuses available through us and you will be on your way to making an extra $100:

  1. Swagbucks: $10 welcome bonus! Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.
  2. Ibotta: $20 welcome bonus! Ibotta pays you real money on your everyday purchases. Download the free app to receive offers and earn real cash back in stores and online.
  3. Rakuten (formerly Ebates): $10 welcome bonus! Rakuten is where you can get cash back for shopping at over 2,500 stores.
  4. MyPoints: $10 welcome bonus! MyPoints offers a daily rewards program and is another cashback website that works similarly to Rakuten.
  5. InboxDollars: $5 welcome bonus! Earn dollars for small tasks such as taking surveys, watching videos, and playing addicting games.

Signup bonuses offer a great way to kick start your earnings with quick cash rewards.

Best Money Making Survey Sites

I sat down and studied all of the best survey apps to find out for myself which ones are legit (and high paying), and which ones are not.

If you wanted to compare some more, here is the list of the best money making surveys:

15. Make $15 Fast with Survey Junkie

survey junkie

Survey Junkie’s interface is super smooth and intuitive (unlike the majority of survey company websites that look like they were built in 1997), and members are paid in cash via Paypal.

Oh, and Survey Junkie also has an 8.9/10 rating on TrustPilot — the highest of any online survey company.

This is one is the more reputable survey companies out there and millions of users have already joined.

  • Where it’s available: United States, Canada, and Australia
  • Age requirements: 13+ years old
  • Average earnings: $0.50 – $3 per survey
  • Payment method: PayPal cash in all countries, or gift cards and direct bank transfers in the United States
  • Minimum to cash out: $10
  • Where to sign up: Survey Junkie Official Site

GET STARTED >>

16. Make $10 Now with Swagbucks

swagbucks

Swagbucks lets you earn money in so many ways like taking surveys, shopping online, or playing games, but many people love racking up money by watching videos in their spare time.

You can cash out your ‘Swagbucks’ as gift cards to hundreds of merchants or get your cash by PayPal (legit cash to your bank account). Many claim this to be one of the best reward sites in 2020 and they are currently offering a $10 sign up bonus.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: Swagbucks Official Site

GET STARTED >>

17. Make $5 Fast Now with InboxDollars

inboxdollars

InboxDollars pays members to read emails, take surveys online, playing games, and search the web!

Overall, Inbox Dollars is super easy to navigate. I’ve tried other paid survey sites and just end up overwhelmed.

They also do a nice job of breaking down the offers into categories.

And you’ll always see the amount of money you’ve earned at the top of your window, which is exhilarating.

Right now they are offering a $5 cash bonus just for joining.

  • Where it’s available: United States
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $5.00 per survey and up to $10 and $20 or more for people in certain demographics
  • Payment method: Gift cards, prepaid Visa card, or a check in the mail
  • Minimum to cash out: $30
  • Where to sign up: InboxDollars Official Site

GET STARTED >>

20. Get $1 Fast Now with Vindale Research

vindaleGet paid to take online paid surveys with Vindale Research.

Here, you’ll take surveys for money about products created by some of the world’s most famous companies – including Disney, Volkswagon, Amazon, Nike, Samsung, and more.

For each survey you complete, you’ll earn money.

They pay you straight cash. You don’t have to convert your points into cash, you can see your earnings on the dashboard.

Payout is through Paypal or check.

To get started, simply create your free account. It only takes a couple of minutes, and you’ll receive a nifty $1 signup bonus when you do.

  • Where it’s available: United States, Canada, United Kingdom, and Australia
  • Age requirements: 18+ years old
  • Average earnings: $0.50 – $2.00 per survey
  • Payment method: PayPal or a check in the mail
  • Minimum to cash out: $50
  • Where to sign up: Vindale Official Site

GET STARTED >>

21. Get $5 Now with MyPoints

mypoints

MyPoints rewards its members for online activities such as reading emails, playing games, online surveys, printing out coupons, and more.

They pay their members using their own currency known as “Points”.

These points can be redeemed for online gift cards, cash via Paypal, and travel miles, etc. The minimum payout amount for most rewards is $10; however, PayPal payments start at $25.

Redemption times for your awards vary. When you redeem your points for cash via Paypal, the request is usually processed within 4-5 days. For other prizes, the wait time varies.

  • Where it’s available: Most of the Americas, Asia and Europe, and some areas in Africa.
  • Age requirements: 13+ years old
  • Average earnings: $0.40 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: $3 in gift cards or $25 in PayPal cash
  • Where to sign up: MyPoints Official Site

GET STARTED >>

22. Get $15 Now with Survey Voices

survey voices

Survey Voices is one of the easiest survey sites to sign up for, they just need your email.

Once you’re in you can take surveys and get paid $100-$300 per week.

Sign up using this link for the highest paying surveys.

All you need to do is instantly qualify, then view exclusive offers in exchange for your opinions and get access to paid surveys, clinical trial opportunities, and part-time work offers.

Who doesn’t want to make $300 a week?

Survey Voices is looking for people to tell major brands what you think about their products and services. And they PAY WELL.

  • Where it’s available: United States.
  • Age requirements: 13+ years old
  • Average earnings: $.50 – $2 per survey
  • Payment method: PayPal cash or gift cards
  • Minimum to cash out: The minimum threshold to request a payout is $30, and you’ll pay a $3 processing fee
  • Where to sign up: Survey Voices Official Site

GET STARTED >>

Make $15 Fast with Bonuses

Your next bet is to get some quick wins through freebies and sign up bonuses.

The three survey sites below are legitimate and you can join from your smartphone.

I’m not the biggest fan of survey sites, but it’s worth it just to claim a quick sign up bonus.

Once you’re in and a paid survey is ready for you to take, you’ll get a notification. Sign up for all 3 below (will open in new tabs) and you’ll get paid up to $50/per survey.

Quick Cash Bonuses

survey junkie

Welcome Bonus: Get 150 Registration Points here
Potential earnings per month:
Up to $200

What it could add up to in a year: $2,400 ????
Additional Referral Earnings: 10% of your referral’s earnings

GET ACCESS NOW


Download: iOS | Android | Browser

inboxdollarsBonus: Get a $5 sign up bonus here
Welcome Bonus: $5
Potential earnings per month: Up to $175
What it could add up to in a year: $2,100 ????
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $5 BONUS NOW

Download: iOS | Android | Browser

swagbucksBonus: Get a $10 sign up bonus here
Welcome Bonus: $10
Potential earnings per month: Up to $200
What it could add up to in a year: $2,400 ????
Additional Referral Earnings: 10% of your referral’s earnings

CLAIM $10 FREE NOW

Download: iOS | Android | Browser

How to Make 15 Dollars Fast in 5 Minutes

A ton of people are searching online for how to $15 fast in 5 minutes.

Well, look no further, because if you wanted more ways to make money online then these are literally the best free money making ideas that’ll help you earn fifteen dollars fast.

So consider scrolling back up and taking a second look.

Also, if you didn’t already claim your $15 in bonuses, don’t forget to check out the best sign up bonuses below:

Good luck with making $15 fast online!

Here’s How To Become a Resume Writer

0
become a resume writer

Looking to become a professional resume writer or want to know the expert tips that experienced resume writers use? Here’s the 101 on resume writing.

To be a good resume writer, one has to be familiar with what employers are looking for when reviewing resumes. Employers get hundreds of resumes when they advertise for a job opening. A good resume writer wants to make certain that their resume stands out.

Whether you are writing a resume for yourself or someone else, you must keep the following tips for writing a resume in mind.

How To Write a Good Resume in 8 Easy Steps

Whether you’re writing your first resume or just want some more advice on how to improve your resume writing skills, these easy steps can help:

Make your resume stand out.

Although, as a resume writer, you will want to make sure that the resume stands out, you will want the document to stand out because of accomplishments and experience that pertain to the job at hand. You do not want to use trickery such as colored paper and fancy fonts to make sure that the resume stands out unless you are a resume writer for someone who is seeking a job in a creative field. In most cases, a resume writer should strive to provide a professional resume for his or her client.

Understand your past professional experiences.

If you are a resume writer for a client who is paying you to create a resume, you will need to find out as much about the client as possible. Many people hire a resume writer because they have no idea how to create a proper resume for themselves. Many people do not have an idea of what type of accomplishments are needed to be included in their resume. They will understate their abilities. Your job, as a resume writer, will be to draw out their different accomplishments so that they conform to the job which your client is seeking.

Make sure you include the proper contact information.

You will want to make sure that the top of the resume includes the name and all contact information of your client, including an e-mail address. You will also want to make certain that the job in which your client is applying for is listed at the top of the resume.

Include all relevant qualifications.

A good resume writer finds out what qualifications the employer is seeking from a potential employee and highlights those accomplishments in the resume. Many people actually have to have this drawn out of them. As a resume writer, you will have to spend some time in speaking to your client about the details of his or her last job and exactly what they did. They may be hesitant at first, or modest. Ask many different questions such as whether they know how to do certain tasks. They may take certain duties that they performed in their last job for granted and not divulge them at first, but if they are important in their new job, they should be listed on the resume.

Use the right resume template.

There are many different software programs for a resume writer to use, as well as templates available on most word processing programs. Once you have created the resume for your client, you can put the information on several different templates and formats to see which meets with the approval of your client. You see some job winning resume templates at SeeResumes.com.

Professional experience should be listed correctly.

A good resume writer will not leave out any experience or accomplishments that will help their client earn the job in which they seek. All experience should be used in a bullet format. This makes it easier for the prospective employer to read. Any inconsequential information should be left out of the resume. In many cases, a client will provide too much information that has nothing to do with the job they are seeking. You want to make sure that you list all experience, education, and accomplishments and elaborate where needed. You will want to make sure, as a resume writer, that you list the places of employment as well as the dates from which your client was employed at these businesses.

Don’t forget how important educational experience can be.

Education should not be underestimated but should come after the employment experience in a resume. A good resume writer will list post graduate information first, as well as the name of the University or College attended along with the undergraduate school and degrees. If there is no college, high school education must be listed on the resume by the resume writer as well as the date of graduation. Any extracurricular activities, that your client participated in during high school should also be mentioned on the resume.

Leave out the fluff.

Leave out personal information, political affiliations, hobbies, and family information from the resume. It is not necessary to for a prospective employer to know that your client enjoys reading unless they are applying for a job as a professional reader of some sorts.

Make sure your resume client is satisfied!

Once you have all of the information, give your client an opportunity to view different samples of their resume that include different formats and papers. Allow your client to choose which resume he or she thinks is best and reflects their personality. As a professional resume writer, your job is to do your best to promote the abilities of your client as well as please him or her with the perfect resume product.