If you’re reading this, you’re probably looking for a way to make some extra money. You’re willing to work for it, but you want to be compensated for your time and effort. You also need some flexibility with your schedule as well. If this sounds like you, then paid surveys can be a wonderful option for adding some money to your pocket.
Paid surveys are perfect for stay at home parents. First off, the extra money will help with all the monthly bills. Second, surveys can a actually be quite fun. Third, most surveys can be done via the internet, so the schedule that you work is up to you. You can take surveys when the baby is sleeping, when the kids are out playing, or while sitting on the couch watching TV.
To figure out if paid surveys are an option for you, it is important to ask the right questions before you get started. Below are the 5 questions everyone should ask before taking any surveys.
1. Is it really possible to get paid for taking surveys online? Explain please.
Surveys are legitimate. They are a real source of income. You can actually make money from your home taking surveys online. According to our research, there are at least 7 million companies that survey consumers on a regular basis. They will pay you for your opinions. Survey companies are ultimately trying to figure out how to sell their products and services to people. You are helping them do research and they are paying you for your time.
2. How much money can I earn? How many surveys can I take?
This is actually a pretty simple question. The amount of money you will make is directly proportional to the amount of effort you put into it. In other words, the more surveys you take, the more you can earn. The people that make the most are on top of the latest promotions and are in tune with the needs of marketing companies. They react quickly to survey requests. It is possible to make $25 per hour or more.
3. How do I know this is legitimate and that I’ll get paid? Are there any guarantees?
Most paid survey and marketing research companies are legitimate. However, as with any other internet idea, there are scams. To find the best opportunities (and avoid scams), it may be best to pay a small fee and join a paid survey database. The paid survey datatbase companies often have perks too, such as free ebooks on maximizing your revenue and form filling tools.
Keep in mind that all fraudulent companies will be quickly removed from the paid survey databases. They simply can not hide from all the people that report non payment and other issues.
4. How often will I be paid? Exactly how am I paid?
The companies administering the surveys will usually pay you directly via Paypal. Typically, you’ll get paid on a schedule, just as every other Friday. In some cases, you may have to wait a full month. Be sure to pay attention to the payment terms.
5. Why do paid survey databases charge a fee?
The answer is quality, safety, and reputation. A small monthly fee to a survey database will pay for itself in just a few surveys. The small fee encourages serious applicants. In most cases, it is a screening process of sorts. This increases the quality of the participants in the database and it also increases the likelihood that companies will seek out that specific paid survey database company. It works better for everyone involved and actually drives up your chances for getting good (read: high paying) surveys.
Some of the larger companies only work with a few, select paid survey databases. Your small subscription fee should give you better opportunities. Always remember to look for public opinion. Research the company and find out if they have a solid reputation. With a little time and energy, and perhaps a small upfront investment, you could be pulling in money every single day.
Now that the housing market has recovered and then some, I thought it was a good idea to put together an article on selling your house. While it may seem like it is you against the world when it comes to selling real estate, it happens all the time and is a common everyday experience for lots of people. With all the information available online, it can be really overwhelming at times. This article will hopefully provide somel information for you to get started correctly.
When you are selling your home, try to add nice curb appeal and take a hard look at your front door. A nice front door can go a long way in making the outside of your house look better. Choose a bright or contrasting color so that it doesn't match your house. Red looks good with green hues and blue goes well with orange hues. Also, make sure landscaping is clean and trimmed. Your outside is the first impression. Lush green grass and flowering plants can be put in at low cost and will greatly add to the curb appeal of the home. The increased curb appeal of your property can translate into more interest and even a higher selling price.
When trying to sell your home, you need to give the real estate agent and potential buyers access to your home on a regular basis. If you constantly need time to prep before letting anyone inside, you may miss out on a sale from someone who doesn't have time to work around your schedule.
It should be a no brainer, but take the time to clean your house from top to bottom before starting to show it. Hire a cleaning crew if need be. Your house should be "show worthy" before buyers get there eyes on it. Bleach your grout, re-caulk your shower and tubs and wax the floors as well. Simple cleaning and basic maintenance will make your house much more appealing to a potential buyer.
Price your home accurately. Your home must be priced in line with the current market and lower if you want it to sell quickly. You may think your house is worth an extra 100 grand, but buyers will be turned off by your crazy price points. Going a little above market rate can work out but be very careful. There are always a lot of good homes on the market and if your price is sky high, then you won't see many prospective buyers.
Finally, you want to do all that you can, to learn about selling your real estate. Look at what has sold recently in your market and ask why. Ask your realtor for comps in your area so that you can assure your price is good. There is a lot of information available, some of it quite helpful, but we have provided a few of the most important tips.
And one more thing. If all of these things have been done and you still can't sell your house, you need to fire your realtor and hire a new one! Sometimes all it takes is someone serious about closing the deal for you.
Many of the wealthiest people in the world owe their fortunes to different types of residual and passive income. From stocks, bonds, investment trusts, real estate, commodities, or business, the wealthy know what to do with their money. It's time to discuss the importance of asset allocation, or how you spread your assets into different types of investment products.
When talking about asset allocation, I am referring to the various vehicles in which you invest your cash. You can split your assets into three specific classes – safe, risky, and speculative. It is advised that the largest chunk of your assets should fall into the safest investments (depending on your age this could be as much as 70% of your assets). The safest investments include cash savings, personal residence, and highly rated corporate bonds and government securities.
The next type of asset class is the “risky” variety – these tend to be longer term investments that are generally safe but there is no guarantee that you will receive your pricipal back. Assets in this class include stocks, mutual funds, and investment real estate. This type of investment is generally considered a solid choice with stocks of high pedigree companies usually being the option utilized by most people. The "risky" chunk of your total assets should include at least 30% of your assets.
Finally, we come to the speculative class of assets – these are highest risk products. These include stocks that you trade actively (jumping in and out within a few days/weeks), stock options, crypto-currency (like Bitcoin), etc. These should be 5-10% of your total assets at most.
Many experts believe that the asset allocation proportions should vary according to the investors age. I am not alone in saying this. For example, those currenty age 40 or below may wish to employ a more aggressive strategy where only 40% of assets are in safe investments and 50% are held in risky, with 10% being speculative investments. Your personal circumstances, your preference for risk, and a lot of other influencing factors should be considered before arriving at your asset allocation mix.
One of the first things I advise my readers to do is to create a plan for their business. A plan helps put all your thoughts together, and gives them a blueprint of sorts to get where you want to be.
Here are just a small sample of things that your personal investment plan should include:
1. What amount of money do you have available to invest? How will your money be allocated within each different asset class?
2. How will you find investment opportunities? Will you learn about them yourself or will you seek out professional advice?
3. How will you handle your investments losing value?
More to come in the future.
20,000 dollars. I was just approved for a credit line of 20,000 dollars the other day. Why am I sharing this information with you? Because bad spending patterns, and stupid decisions with credit cards are the reason that most people are in debt, not the credit cards themselves.
Sure, it's easy to blame the credit card company for your faults. If they hadn't offered me this, if I hadn't transferred that. Enough already! Part of being a responsible adult is being able to make smart decisions regarding your money.
Let me be really clear. Credit cards are a big responsibility. When they are used recklessly, they will destroy your financial future and cause you some major financing problems later in life. You will struggle to buy a house or car if your credit card debt is out of control. The more you know about your personal credit score, and the more educated you are about your credit in general, the more likely you will use your credit cards wisely.
So what am I going to do with this new, massive credit line? Absolutely nothing right now. But I now have another source of spending power, in addition to my cash savings that I can utilize if a solid business opportunity shows up somewhere. I could literally buy a couple cars and flip them to another seller with that kind of credit line. You never know what opportunities could show up. I have an auction next weekend already scheduled, and another amazing opportunity was handed to me last night by a friend as well.
Do you carry credit card debt currently?
Look for some amazing opportunities right now to transfer your balance. Normally, a 0% APR is provided to you only during an introductory period by the credit card issuer. After that promotional time lapses, any balance left on the card will accrue interest until the entire debt is paid off. You could then explore transferring the balance to another credit card.
The average credit card has an annual percentage rate charge from as low as 6 percent to as much as 30% for higher risk clients. Credit cards with 0% annual percentage rates are always the most popular option in order to get people to sign up for a new card. However, one should clearly remember that the 0% annual percentage rate does not last forever. In most cases, this introductory offer only lasts for 6-12 months.
Credit cards with 0% APR work best for people who transfer their current balances on other credit cards to the new credit card. Through debt consolidation, a 0% interest rate works for the borrower by cutting back monthly interest expense payments. You are paying 100% principle. The lower interest rate can also save time for the borrower by making only one payment per month to one company. The best approach would be to try to pay the balance by the end of the introductory period (or transfer any remaining balance to another 0% offer if it is a large amount).
Reports show that most of the charges that consumers pay each month are focused on interest rate charges alone. The average interest rate that the credit card owner pays on is 18.9%. Keep in mind that any late charges can also be charged if your payment is received by the credit card company even one day late. This late fee can increase your expenses and your APR as well.
But before you grab that dazzling 0% APR offer on just any given credit card, try to consider some important information first. Read the fine print!
Indeed, 0% APR credit cards can give you a lot more advantages than paying 18.9% each year. Just remember to read the fine print. Many credit card owners are blindsided by transfer fees (2-3% of amount transferred) and/or their new interest rate after the 0% APR has expired. The only way to compare credit card offers is to read every part of the offer, and understand it thoroughly. Remember you are signing a binding contract.
Surprise, surprise. There has been such an increase in identity theft cases lately, that it is only natural to want to protect yourself against something as devastating as identity theft. Now we have to mix in the Equifax data breach as something else to worry about. If you take the proper precautions, however, then you can significantly lessen your odds of becoming another one of the many identity theft victims.
USA.gov lists the following advice to protect yourself from identity theft.