fbpx

Category: How to make money on the internet

Should I Buy a House Now?


With record-low interest rates, buying a house might seem like a good idea. When asking yourself ‘Should I buy a house now?’, run the numbers to see if the time is right.

With 10.1 million people out of work, why is the housing market hotter than it’s been in years?

In December 2020, the median sales price of an existing single-family home was $314,300. This represents a 13.5% increase from the prior December and is also the highest median price range for a December on record.

If so many people are out of work in the financial crisis of the Covid-19 pandemic, how can others afford to buy a house?

Answer: low interest rates. The average APR on a 30-year fixed-rate mortgage has been hovering between 2.8% and 2.9% since the start of the year. 

Yet, just because the real estate market is hot, doesn’t mean you should call up a real estate agent and start looking at houses. Here’s why.  

Questions to ask before buying

Ask, research, explore, calculate: Ramit has a simplified checklist of questions to ask yourself when contemplating buying a house:

  • Will I live here for 10+ years?
  • Is my total monthly housing cost lower than 28% of my gross monthly income?
  • Have I saved a 20% down payment?
  • Am I OK if the value of my house goes down?
  • Am I excited about buying?

If the answer to any of these questions is a hard No, then it might be worth reconsidering the purchase of a home. It might not be your time to buy.

More on the second question regarding total monthly housing costs: Many simply consider this to be made up of the mortgage alone. However, the monthly cost can be much more than that. Think of it as your TCO (Total Cost of Ownership). Additional “phantom” costs in the form of maintenance, taxes, HOA fees, private mortgage insurance, and inflation must be figured into that monthly payment.  For example, you might need to spend $20,000 to replace the roof in six years. Do your homework on upfront costs, anticipated maintenance costs per year or over several years, and spread those expenses into your monthly payment. You might be surprised by how much that monthly cost goes up.

Additionally, the 20% down payment is becoming more out of reach for many first-time homebuyers. While people might be finding ways to save more money and strengthen their finances, they might not be able to keep up with the skyrocketing prices of the current market.

If a 20% down payment is out of reach, it might be better to keep renting and wait until home prices cool a bit.

Beware the propaganda

Ramit advises to beware of an industry that praises homeownership and shames renters, pointing out two myths that the industry tries to tell renters in order for them to pony up and buy a house:

You’re just paying your landlord’s mortgage.

Possibly, but most likely not. Some landlords do sit back and bank your rent payments — the mortgage has been paid off and your money is the landlord’s income. Other landlords break even and, still others, actually lose money each month, as your rent payment is nowhere close to the monthly mortgage and expenses that they need to shoulder.

Your landlord can only charge you what the market can bear.

If you’re paying rent, you’re only throwing money away.

This of course is not true. There’s a roof over your head; a kitchen in which to prepare food; a place to sleep. With so many people working from home, you might consider your rental payment as part of an office lease, and so paying rent enables you to even go to work.

People often overlook the “use value” of that rent payment. If you enjoy your space and derive value from it, then it’s not money thrown away. For more on this, check out our article Buying vs. Renting: Which is the Best Option for You?

What about credit scores?

Low mortgage rates are not enough to get you a mortgage. There is also the matter of credit scoring, which lenders rely on to set your mortgage rate.

However, a curious thing happened during the pandemic: credit scores skyrocketed. If people have been struggling to pay bills, missed payments, or potentially have maxed out credit cards, how could the average FICO credit score hit a record high of 711 in July 2020? 

It was probably the federal relief packages, including stimulus payments, student loan forbearance programs, and extended unemployment benefits, that have helped people stay financially afloat. 

It’s worth noting that this might be only temporary, and part of the propaganda the homeownership industry uses to get people to buy when they might not want to.

While achieving a high credit score is an important part of your financial health, beware that a high score alone should not be the motivation to buy a house right now.

How you can run the numbers

If you’re strongly considering buying a home and are ready to buy, run as many numbers as you can. You can start by using a buy vs. rent calculator (such as this awesome one from the NYT) for house values in your area.

But don’t stop there: go deeper. Ask yourself: Is buying a home a better investment than say, buying shares in an index fund?

While it would be impossible to both invest your monthly housing costs AND use it on rent — just to see which comes out higher — consider what you might do with the “extra” funds you might have that would normally have gone on a house. That TCO mentioned above includes so many additional expenses that could be put to better use in an income-bearing investment.

It helps to think of your home as a part of your Rich Life. With this perspective, you can make decisions like buying a house for the right reasons. 

Do you know your earning potential?

Take my earning potential quiz and get a custom report based on your unique
strengths, and discover how
to start making extra money — in as little as an hour.

Start
The Quiz



Here’s How a Mortgage Broker Can Help With the Homebuying Process



If you’re house shopping, then pretty soon you’ll be mortgage shopping too. Mortgage brokers are a great resource to help you find the best mortgage for your needs — but like many paid financial services, you can also do the legwork yourself.

If you’ve been wondering whether working with a mortgage broker makes sense for your needs, keep reading. We’ve compiled this list of everything you need to know about working with mortgage brokers, plus some helpful tips on finding the best mortgage rates, with or without one.

What Mortgage Brokers Do

In a nutshell, mortgage brokers can help alleviate some of your stress of shopping for mortgages by doing the bulk of the research for you. Mortgage adviser Mark Robinson of Albion Forest breaks it down: “A broker will find the best mortgage to suit your needs. This doesn’t necessarily mean the cheapest, as you may not actually fit that mortgage criteria,” says Robinson.

“They will generally hold your hand through the whole buying process — from working with solicitors, real estate agents, and getting your purchase across the line,” he added.

As you may imagine, one of the biggest perks of working with a mortgage broker is the time you save. While you can easily shop rates online yourself, it will still take a bit of research (not to mention repeatedly sharing all of your financial details) to see which mortgage lenders will give you the best rates. In this sense, mortgage brokers can be a time-saving middleman. You simply give them your information once, and they’ll set off and find the best possible mortgage for your needs. Mortgage professionals can also be a huge asset when it comes to explaining financial terminology, tapping into their network of lenders to find competitive mortgage products, and even getting you a fast pre-approval letter in order to make a more competitive offer on a home.

One thing to keep in mind about working with a mortgage broker is that you’re not required to go with the loan they find for you. In fact, some people like to work with a broker and conduct their own research just to be sure the broker has found the best loan packages. And of course, if you’re unsatisfied with what the broker finds, you can always strike out on your own and shop mortgage rates online.

That said, make sure you understand a mortgage broker’s fees before enlisting their help. While most mortgage brokers are paid a commission by the lender (usually a small percentage of your loan), some may charge extra fees to buyers — and you’ll want to know that in advance.

Who Needs a Mortgage Broker?

While mortgage brokers aren’t a requirement by any means, there are certain types of buyers who will benefit from their services more than others. Here are a few buyers who might want to consider working with a mortgage broker.

First-time buyers

Being a first-time homebuyer is overwhelming enough, even without the added pressure of finding the best possible mortgage rate. “You should consider working with a mortgage broker if you’re unaware about where to find good, credible lenders,” says personal finance expert Carol Tompkins of AccountsPortal.

If you’re a first-time buyer without any experience shopping for mortgages, then you might just enjoy having a mortgage broker around to point you in the right direction.

Busy buyers

Another homebuyer who will benefit from the help of a mortgage broker is the one who’s juggling too many things at once. “You might also consider working with a mortgage broker if you don’t have the time or resources to carry out extensive research on the lenders that are most suitable for you,” says Tompkins.

Maybe you’re in the middle of a big cross-country move, or shopping for homes while also trying to sell your current one. One of the biggest perks in working with a mortgage broker is the time they can save you.

Buyers with low credit

Since factors like bad credit, a low down payment, or even a high debt-to-income ratio can all hinder your ability to get a loan, these are all situations in which a mortgage broker could make things easier for you.

“You might need a broker when you have a low credit score or other challenges that may hinder your mortgage application process successfully going through,” says Tompkins. “In such instances, you’ll need someone to help you choose a lender that will be most willing to work with you.”

How to Find the Best Mortgage Rates

Whether you work with a mortgage broker or not, there are a few things to keep in mind that can help you find the best mortgage rate.

“Getting the best mortgage is an exercise in optimizing four things — down payment, interest rate, closing costs and monthly payment,” says Fred McGill, broker and CEO of SimpleShowing Real Estate. “These four levers can be adjusted to best reflect and optimize your lifestyle and income. But most first-time buyers will want to focus on getting a low down payment mortgage in order to reduce the amount of out-of-pocket costs owed at closing.”

How you prioritize these four things will depend on your finances, but remember that it’s possible to get a conventional loan with as little as 3% down. And with current rates still hovering at an all-time low, you should shop around for the lowest possible fixed rate on your mortgage. This will directly affect both how much you pay in the long term and the amount of your monthly payments.

Once you’ve found a few potential lenders, McGill also recommends checking the associated closing costs with each loan. “Some lenders have higher interest rates but offer lower closing costs, and the reverse can be true as well,” he says.

Hiring a Good Mortgage Broker

Much like a real estate agent, the best way to find a good mortgage broker is through recommendations. Talk to friends and family to see who they’ve worked with, or even ask your real estate agent.

Remember, while a good local mortgage broker can make your life easier, you can also do the legwork yourself. Because there’s a never-ending list of things to do when buying a home, it’s good to strike a balance between getting help and taking on tasks yourself.




The Advantages of Choosing SMS Loans for your Immediate Needs


To achieve success in a business venture, you need more than your thinking skills, grand ideas, and connections with others. You must have sufficient resources and funds to start your business and be a certified entrepreneur.

There is a point in our lives that we are lost and do not have any plans concerning our future. Some may experience having depression or anxiety due to their lack of initiative in getting things done. We cannot blame others because some of them experienced failure after failure. But we can offer them our help and guide them to find their purpose in life. If we are lucky, some of them may realize that it is not yet over to start again.

Since the occurrence of the Global Financial Crisis, there are a lot of businesses and companies that filed for bankruptcy and insolvency proceedings. Others are still in huge debt from the loans that they acquired in different banking institutions just to fund their business.

Another hurdle in today’s economic situation is the impact of the COVID-19 pandemic. Click here to know the significant changes in the economy due to the spread of the COVID-19 virus in Europe and all around the world.

Impact of Financial Crisis on Business Owners

Most of the funding opportunities may not push through due to the increasing struggle in raising funds and looking for investors. Some people are too scared to risk their money or pursue an investment while the economy is still unstable and the stock market is completely red. Hence, many of the businesses are shutting down due to a lack of funding and resources to pay their workers.

You may have witnessed the closing of your favorite coffee shop, or the restaurant that you always book whenever there is a special occasion in your life. Some shops are also pulling every fund that they have just to continue operating even if there are tons of health protocols that they need to follow and limit the number of customers that they can accept.

Still, there are business owners who remain hopeful and persistent in applying for loans that they can have to save their legacy and keep their shops running even if there is a global financial crisis going on in every part of the world.

Due to the drastic changes brought by COVID-19, the government should take action in helping entrepreneurs and small businesses to start over. Some are badly hit by the pandemic and others are completely exhausted due to the lack of funds and resources. There must be an initiative that will come from the government in providing concrete plans in helping the economy rise again.

In line with this, there are different types of loans that you can avail of from various banks and lending companies. This link will direct you to a website that will provide relevant details about loans: https://www.forbrukslån.no/sms-lån/ not to mention, the discussion about the relevance of SMS loan in the banking business.

Some of these include working capital loans which can be availed of for short notice or any urgent matters. Another is fixed asset loans that are allotted for buying assets wherein the subject property is also considered as collateral for the said loan.

Additionally, you can also opt for factoring loans and hire purchase loans that are based on the amount owed to your business venture by your customers and purchase assets like pieces of machinery or vehicles.

But before applying for the loan that you want, you must consider first its advantages and disadvantages. In this way, you can weigh the pros and cons and decided which the most suitable loan is for you.

Advantages of Loans

If you are incapable of paying the amount that you borrowed, your loans can be paid instead of the collateral that you presented in your application. Through this, you don’t have any debts that you need to attend to. 

Moreover, at the beginning of your contract of loan, you can still negotiate regarding your payment scheme and the imposition of interest rates. A repayment holiday is an example of paying interest in a given time while repayments on the capital itself are frozen by the bank.

Once you are settled, you can pay based on the terms of your contract and still earn money for yourself. We should be responsible enough in paying our debts because our names are also on the line. If we break our promises and did not follow the terms of the contract, there is a tendency that we will be labeled as having bad credit and no more loan applications may be granted under our name.

Lastly, applying for a loan in the digital era became very convenient. There is what you call an SMS loan wherein you can just attach all the requirements and documentation that the bank needs for the credit approval.

Afterward, you must sign the loan agreement which is sent by a bank representative that contains all the terms and conditions of the loan. You can send it back through email after signing. It will only take a few hours before you can receive a decision from the bank whether it is approved or not.

Additionally, you may now check the status of your bank account on its mobile application which is now called online banking. It also offers various banking services such as sending and receiving money. You can also view your balance in real-time.

Disadvantages of Loans

When you borrow a large amount, you can expect that the interest attached to it is also in high value. Sometimes the borrower is already having a hard time paying for the interest that there will be no means for him or her to pay for the original amount that was borrowed from the bank.

Furthermore, almost all types of loans are not flexible. There is a situation wherein you are paying interest on the money that you are not using. That is why you need to think and evaluate your financial capacity before contracting a loan with a banking institution or lending company.

Cashflow problems may also arise because of the delay in payments. Most of the borrowers are still looking for money to pay for their monthly bills while paying for credit dues.

Furthermore, it is not a great idea to apply for a loan when you also have ongoing expenses. This may often result in difficulty in keeping up with repayments. If you still have regular work or your business is still making a profit, ongoing expenses should be best funded from the cash that you received as your salary or earnings.

Hence, it is very essential to determine when loans are not suitable for you and your business. If you do not have any means to pay for the amount that you borrowed, you may first reconsider whether you will continue your loan application or not. Because if you avail such credit without any source of income, it is as if you are getting money without any plans of returning it.

About The Author

vipul

Vipul is a professional blogger and online advertiser based out of Bengaluru, India. Always in a quest for new ways to make money, Vipul detail out all possible opportunities that can help anyone to earn passive income online. You can connect on Twitter, Linkedin & Facebook



Democracy For Design: Vecteezy For Graphic Resources


One of the most important developments of the past decade or so has been the democratization of many tools and resources that had once been available only to those who could afford to pay a hefty price. The cultural growth of the internet has been fueled by the creativity of countless individuals — creativity unlocked by easy access to what they need to make art and content.  

Recently I spoke with Shawn Rubel, the founder and CEO of Vecteezy, which offers easy, affordable access to photo and video resources for designers and other creatives seeking to make their own stuff on a modest budget.  In our interview, he talks about the unexpected growth of Vecteezy and of the satisfaction that comes from following your passion while doing good work.

Mary Juetten: What’s the name of your company and where are you based? 

Shawn Rubel: My company Vecteezy is based in Bowling Green, Kentucky. About 60% of our team is remote, with team members scattered across the country (and a handful internationally). I grew up and after graduating from university in St. Catharines, Ontario, Canada, I made my way to Bowling Green, where I had friends. Bowling Green has been a great community to Vecteezy with local Western Kentucky University (WKU) as a wonderful partner of ours, as well. WKU has a tremendous photojournalism program which has infused significant creative talent into this community. 

Juetten: When did you start?

Rubel: I’ve always been passionate about design and digital creative work. I majored in Visual Arts at University and after graduating, I got into graphic design and marketing. I caught the startup bug along the way and became fascinated with e-commerce. 

I soon realized from my own experiences as a designer that there was a massive opportunity to provide affordable (and free) graphic resources. Stock photos and vectors, for example, were expensive everywhere I looked for them. Like many designers, I was working on a tight budget. I also talked with contributors who work with the giants in the stock creative industry, and they were struggling to get fair compensation for their designs.

I wanted to solve both those problems. I felt like there had to be a way to democratize creative resources and better support the creative community that built the content.

So, I quit my marketing job and launched a website that offered free photoshop brushes. It gained traction, and I set my sights on expanding into more content, like images. 

Vecteezy started in 2007 specifically focused on free vector graphics. Today, we are one of the largest creative marketplaces in the world with millions of stock photos, vectors and videos that are free and safe to use for personal or commercial use. Last year we surpassed 100 million user sessions on the Vecteezy platform—something I never would have anticipated from my side hustle nearly 15 years ago. 

Juetten: What problem are you solving? 

Rubel: Vecteezy helps to alleviate the hurdles of modern-day creatives, marketers and businesses by providing stock photos, videos and vectors at the best value. We’re passionate about delivering beautiful, professional-quality creative assets that are completely free to everyone. What’s more, our content comes with robust licensing and legal guarantees. In this regard, we stand out from our competition and we provide additional value to the creative and design communities. 

We’re quite proud of the global reach we have amassed. Currently, users and contributors turn to Vecteezy in 180 countries and eight different languages. For some of our contributors, the content they create for Vecteezy is their only source of income. This is why it’s so critically important that we, as an industry, treat and pay our contributors fairly. 

Juetten: Who are your customers and how do you find them?

Rubel: Anyone and everyone who needs stock photos, vectors, and 4k video can be a Vecteezy customer. That’s part of the beauty of our platform. We’re seeing particular interest from marketers, freelancers, and small businesses now as budgets tighten amid the lingering pandemic. 

We also have a global network of the world’s most talented creatives who contribute the photos, videos and digital illustrations that comprise our platform. 

As we’ve grown, we’ve kept a focus on making this content accessible by providing the best value in the marketplace. For this reason, many customers come to us from other platforms after searching on their own for a better option in price and quality.

Juetten: Who is on your team?

Rubel: The Vecteezy team is mostly remote, and spans two continents and all four corners of the U.S. We doubled in size as a company in 2020 and we’re particularly focused on boosting our content and technical expertise this year. 

As our team grows, it gives us the opportunity to build a true community around those who have high-quality photos, videos and vectors to share. Because, as we grow, so can our network of contributors looking to generate income via their creative ability. 

 Juetten: Did you raise money? 

Rubel: We’ve considered it, but just haven’t needed to yet. We are a private company, bootstrapped and profitable. Vecteezy has grown and succeeded over the years because we are meeting a need within the marketplace for professional-quality content that is beautiful, easy and affordable. 

Juetten: Startups are an adventure — what’s your favorite startup story?

Rubel: Every startup has a great story! Starting a business is hard work. 

One story in particular that resonates with me is AirBnB. The founders were scrappy and innovative. They were struggling to pay their own rent, so they rented air mattresses on their floor. They realized the idea actually solved two major problems: a universal need for extra income, and an unmet demand for affordable, unique lodging. AirBnB changed the way people think about and experience travel. It created a new industry around individual resourcefulness. 

Juetten: How do you measure success and what is your favorite success story?

Rubel: We measure success by what we help marketers, small businesses and the creative community do. Our goal is to provide designers, creators and entrepreneurs beautiful content that is completely free. We want to make the content of talented creatives accessible to those who truly need it. Also, with technology advancing like it is, anyone has the opportunity to make a profit in this field and we believe Vecteezy is the perfect conduit to facilitate income for those who truly need it. 

Honestly I think my favorite measure of success is seeing the rapid growth of our contributor network. In the past year, our community of contributors has grown 400%. As more visitors come to our site and download files, our contributors earn more money. It feels good to be creating a supportive community with measurable impact, and deliver on the promise we’re making to our customers at the same time.

Juetten: Any tips to add for early-stage founders or CEOs in growth mode?

Rubel: Use your passions and your strengths to achieve a balance between work you enjoy and a rewarding personal life. 

Vecteezy started as my side project and I left everything else by the wayside when I realized its potential. I love design and being creative, which pointed me in the direction of an opportunity I enjoyed working on. If you don’t enjoy what you’re building, it will never reach its full potential and neither will you. 

As entrepreneurs, it’s also easy to get distracted because we have no shortage of ideas. My advice is to pick an idea you’re passionate about, don’t get distracted and focus on it relentlessly. It’s all about focus.

Juetten: And of course, any IP challenges or horror stories to share? 

Rubel: When I first started Vecteezy, there wasn’t really any other business giving away free vectors. Very early in my process of building the company, I received a call out of the blue from one of the major companies in the stock image industry. He accused me of taking images from them and giving them away on my site, and threatened legal action. It wasn’t even remotely close to the truth, so I invited him to provide examples. He couldn’t, of course. I contacted them again after the call and never heard back. I believe it was an effort to intimidate me.

It was at that time that I realized how disruptive my idea was. I was not even really making money, or having a major impact, yet the idea was threatening to a leader in the industry. I knew I was onto something.

Juetten: What’s the long-term vision for your company?

Rubel: Vecteezy is on it’s way to being the biggest stock creative provider on the Internet. While 2020 was a difficult year in so many ways, it was a phenomenal year for us and our company’s growth. Our team is putting the pieces in place to scale our company offerings and our global reach. We are also dedicated to strengthening our contributor community by supporting them more as we grow. We’re not slowing down; we’re building around supporting designers by sharing their work with millions of people who put it to great use.


Thanks to Shawn for sharing his insight and story, particularly the advice around pursuing what you enjoy. The entire business community is all the better for having free quality resources available, without the worry of IP challenges. #onwards.

The Power of Mentorship, Expertise and Blogging in 2021


No matter your passion, expertise or goals in live… when you start to share those feelings and emotions with others, it resonates with them as well.

This can be for pretty much anything in life. However, more often than not, it gets more emotional and personal when it’s relevant to a lifestyle, goal or challenge we may personally be working on.

With this in mind, once you find what you are great at and start sharing it with the rest of the world… that’s when the real magic starts!

Today, we are going to highlight three different entrepreneurs and industry experts that took their own expertise and passion for business, branding, investing and teaching others… then expanded into much bigger roles as world influencers, teachers and mentors.

Let’s get started!

Timothy Sykes – Stock Market and Penny Stocks

If you’ve ever done any research online for the stock market or investing in penny stocks, then you will have likely come across the name “Timothy Sykes” — and also that he is known for turning $12k into more than $6.7 million.

While investing in penny stocks was how it all started for Tim, now his bread and butter comes through the brand and business that he’s built up over the past several years as a result of teaching others how to accomplish the same.

And like many others, this journey started out with a blog and social media, while also highlighting his many failures and successes — and of course including amazing photography of the various places he’s been day trading around the world.

Today, Tim has a network of investing and education sites, live events and conferences to attend, and online courses and subscriptions for all of his students.

Now let’s highlight how Tim is using each of these three methods to grow his brand, reach and business.

  • Mentorship – Online courses and coaching programs
  • Expertise – Everything related to penny stocks
  • Blogging – Daily posts on his blog and social channels

 

Gary Vaynerchuk – Brand Marketing and Agency Services

Of the many different examples of successful individuals we could cover when it comes to creating content, sharing their expertise and being a mentor to others, Gary V likely would be the most well known.

What’s quite amazing about Gary’s journey, is that he’s not only found success time and time again (whether it be in Wine, social media, investing or branding), but also that he is inspiring others throughout the process.

A perfect example of this can be seen through his podcasts and video interviews where he discusses his passions for flipping products and finding garage sale deals. This isn’t making him a ton of money, but it’s motivating his audience, getting them started and growing his brand loyalty and following in the process.

Now let’s highlight how Gary is using each of these three methods to grow his brand, reach and business.

  • Mentorship – Through personal coaching but mostly social media content
  • Expertise – All forms of marketing, but enforcement of putting in the work
  • Blogging – Gary Vaynerchuk blog, Medium and top social platforms

Ashley Alderson – Boutiques, Ecommerce and Networking

Not every example of success and fame needs to be well-known of backed up by millions of dollars in wealth. This is the exact story behind Ashley Alderson, who has become quite the coach, influencer and success story in the niche market of unique boutique shopping.

While it may seem small at first, the truth is… the more you niche down the better. Then as you continue to show off your expertise and passion, while growing a brand in the process, then you can really start and see what’s possible.

What started out small, is now a large company with staff, and also influencing and motivation thousands of members around the world. The Boutique Hub, founded by Ashley, is for all boutique types, apparel, accessories, beauty, decor, and with all selling types from e-commerce, brick and mortar, mobile to social

Now let’s highlight how Ashley is using each of these three methods to grow his brand, reach and business.

  • Mentorship – Through a massive network of users at The Boutique Hub 
  • Expertise – Personal, business and life expertise that relates to her audience
  • Blogging – Main site, blog, media interviews and top social platforms

How to Grow Your Own Brand or Business by Sharing Your Expertise with Others

As you can see from each of the examples above, when you put in the time and effort to share your expertise, talents and passions with others, you can really grow into quite the brand and business of your own.

With the internet now making it easier than ever to get started with a site, brand or business of your own, what are you waiting for?

Be sure to follow each of the examples above on both their social media channels and websites or blogs, as they will not only keep you inspired, but will also teach you how to take advantage of such platforms and networking methods as well.

 

 

Your Ticket to Getting Hired for Any Remote Job


Most people go through a career change in their life. So, you’re not alone if you start your career at Point A, go to Point B, and end up all the way down the line at Point Z. 

And though career changes are common and even necessary at times, they often seem overwhelming. For most, it’s like starting over again. 

But, the truth is, you’re not starting from scratch. Instead, you’re simply using your transferable skills to make a pivot. That is, you’re taking what you already know and applying those skills to a new job title or industry. We can make these seamless career transitions thanks to our transferable skills

It’s important you know what transferable skills are and which transferable skills you have. That way, if you become an unemployed remote job seeker or find yourself unfulfilled, you can highlight these skills to make a purposeful change

Settle in. This guide will define what transferable skills are, how to identify yours, ways to highlight them, and best practices for using them to make strategic career moves. 

What are transferable skills? 

Transferable skills are portable skills. You can take them with you from one job to the next. Generally speaking, one transferable skill can be applied to multiple industries or job titles. Your transferable skills are likely valuable to any employer. For example, strong written communication skills are universally helpful in pretty much every remote job. Period. In fact, it’s one of the skills remote companies look for in (almost) all of their hires. 

Where do transferable skills come from? 

Transferable skills can be both hard skills and soft skills. As a reminder, hard skills are learned skills. These include languages spoken, software you can use, and tons of other technical abilities.

On the other hand, soft skills are our unique traits and interpersonal abilities we use at work. I often tell my clients that your hard skills will get you a job interview, but your soft skills will get you a job offer. 

Remember, your transferable skills are not restricted to your most recent role. You can pull transferable skills from past positions, volunteer roles, internships, hobbies, side hustles, or virtually any activity you engage in. 

Take it from Janet, a career coaching client of mine. Allow me to share her story. 

Transferable skill inspiration story 

Janet was a longtime teacher. In her spare time, she enjoys crafting and creating. She often spends time on Pinterest getting inspired by all the visuals. On the side, Janet has a small Etsy shop she uses to sell Cricut templates to fellow teachers. Janet always believed teaching was her calling. But, when her district shifted to online learning, Janet soon found she enjoyed teaching less and less.

However, online teaching gave her more opportunity to create content for her virtual students. Janet was in love! She already enjoyed making Cricut templates, but now she was creating more digital content than ever before. Soon, Janet contemplated a career change. But, she felt stuck as an educator.

That’s when Janet came to me seeking career advice. She loved working remotely, but wasn’t in love with teaching anymore. But she worried, “I’ve only ever been a teacher. Who will hire me for a non-teaching role?” 

Don’t Get Caught Up by Job Titles

I reminded Janet that she is more than her job title. Janet communicates with parents, plans lessons, creates educational content, designs workbooks, makes interactive worksheets, and can quickly create learning materials using design platforms like Canva and Adobe InDesign. Clearly, she was more than “just a teacher.” 

Together, Janet and I used my three-step system to identify her career ideals. From there, it was pretty easy to see that Janet was a creator at heart. Sure, her job titles were education based, but her transferable skills were definitely marketing and design forward.

Ultimately, Janet decided to make a career change that put her transferable skills to work. Soon, she was interviewing for editorial and marketing positions within the education industry — somewhere she wanted to stay.

In about six months, Janet ended up landing a remote curriculum creation role for an online K-12 school. Now, her entire day is spent creating instead of teaching. She credits her transferable skills for allowing her to effortlessly make the change! 

What is not a transferable skill? 

Now that you have a real life example of what transferable skills are (thank you, Janet!), let’s look at what they are not. Transferable skills are not skills that are so specific that they really only apply to a certain role.

For example, if you’re a phlebotomist, drawing blood for medical tests is an essential skill that really won’t transfer elsewhere. However, that doesn’t mean a phlebotomist has zero transferable skills. Likely, a phlebotomist has great customer service skills, an ability to place people at ease, and time management capabilities — all highly desirable transferable skills for just about any new remote role or industry. 

When is it important to know your transferable skills? 

First and foremost, transferable skills are most helpful when you want to change careers or switch to a different industry. But, they’re also important when you’re unemployed, underemployed, or feeling stuck in your current role. 

Recent college graduates can also use transferable skills from internships or life experience to help them get established in their chosen industry. 

Similarly, your transferable skills help you get ahead at your current company or give you opportunities to work on new and interesting projects that otherwise would pass you by. 

So, how do I figure out what my transferable skills are? 

Your transferable skills are constantly changing. And, they will be different depending on where you want to go. Let’s revisit Janet’s scenario for a minute. Because she wanted to move to a content creation role, Janet focused on design and curriculum development transferable skills to navigate her career change.

However, if Janet wanted to move to a finance role, her transferable skills would have focused more on classroom budgeting, supplies inventory management, and fundraising activities she did at her school. 

You too should identify your transferable skills based on where you want to go and the skills needed to be successful in that role. A great place to start is with a job description.

For example, let’s say you’re a sales representative who wants to move into project management. You would find a remote project manager listing and carefully read the job description. Here’s a real example with relevant sales-to-project management transferable skills highlighted: 

Now, you realize that your sales background has prepared you to be an organized, multi-tasking, deadline-driven, cost-conscious project manager with an ability to communicate effectively with clients. These are all skills you routinely did in sales and can take with you to project management. In other words, these are your relevant transferable skills

What if I don’t know what I want to do?

When you don’t quite know your ideal role or where you want to end up, think about skills you excel at. Reflect on previous roles, hobbies, or volunteer experiences. Which tasks did you enjoy the most? Are there any things you do exceptionally well and often get complimented for? Chances are, these are skills you will want to regularly use at work. Similarly, these are transferable skills you can highlight to help you find a remote job you’ll love. 

You can also explore in-demand remote jobs to see if anything piques your interest. If so, great! Further research that role to see what skills are needed to get hired.

You can also work with a career coach to help you identify and highlight your transferable skills as they relate to your ideal remote role.

Change Your Resume Format 

First up, it’s time to change up your resume’s format. Get rid of the objective statement and opt for a Professional Summary instead. Use this space to connect the dots from previous roles to the new job you want to pivot to. 

Also, be sure to include a Skills Summary section. Here, you will specifically state your transferable skills that directly relate to the job you’re applying for. 

In my experience as a career coach and resume writer, here’s an example of the BEST resume for career changers: 

This is a great resume format to use for career changers!

Update Your Resume Every Time

Next up, always optimize your resume. You have to do this for every single position you apply for. Remember that technical skills section I just talked about? You’ll specifically pull transferable skills keywords directly from the job ad and place them into your skills section. This is known as keyword optimizing your resume

Since hiring is automated now, more than ever, you stand a better chance of getting past Applicant Tracking System (ATS) and in front of an actual human that makes hiring decisions. Remember, ATS is the special software companies use to make hiring simpler. The ATS scans your resume to find relevant (transferable) skills to determine whether you’re a good fit for a role. 

When you have these skills in your resume, you get placed in the ‘yes’ pile. If you don’t have them, your resume is rejected or, worse yet, placed in dreaded resume limbo where you never hear anything back one way or the other. 

Tell Your Career Story on LinkedIn 

Your LinkedIn profile gives you a chance to tell your unique career story. Like the Professional Profile in your resume, use the About Section of your LinkedIn Profile to tell recruiters where you started, where you are, and where you’re going. This helps them see you in your desired role, even if you haven’t held that specific job title before. 

You need to think about keywords in your LinkedIn profile too. Use your headline to insert the job title you want to land. This helps you rank better in searches! So, when a recruiter heads over to LinkedIn to find [insert your specific remote job title here] you’re more likely to show up in their search results if you have the job title in your headline. 

Another thing, ask for endorsements for the transferable skills you need to change careers. LinkedIn Endorsements work as social proof to hiring managers that you do, in fact, have the necessary skills to seamlessly change careers. 

Use your Cover Letter to Explain Your Career Change 

Today, cover letters aren’t as common as they used to be. But, if you have the opportunity to upload a cover letter to an online job application, I highly recommend you do it! 

When you change careers, you can use your cover letter to explain your career change and highlight the transferable skills you have. 

For example, if Janet didn’t explain her desire to change from educator to content creator, a recruiter would have been confused by her application. Instead, Janet clearly explained that both in her personal life and professional career, she thrived at content creation and was ready to turn it into her full-time role. Now, recruiters reading her resume read it from the right angle instead of wondering why she’s applying for a seemingly unrelated role.

Use Transferable Skills to Make a Career Purposeful Career Change 

As you can see, your transferable skills are insanely valuable in your remote job search. They are important for unemployed, underemployed, and even entry-level candidates. 

When you’re ready to make a career move from one job to the next, focus on your transferable skills first and foremost. From there, you can clearly show employers why you’re a great hire, even if you don’t have the right job title. 

Remember, you’re way more than your job title. You are a unique professional with a combination of hard skills and soft skills you can take with you from one job to the next.

It’s a matter of highlighting those transferable skills to successfully make a career move. Amazing things happen when you find a job that combines your professional interests and personal passions. Fortunately, your transferable skills are the ticket to helping you find (and land) your ideal remote role.

Neora Review: Skincare MLM Scam or Legit?


People are willing to spend hundreds of dollars each month to make their skin appear younger and rejuvenated which is why skincare is a multi-billion dollar industry. Did you know that some companies will actually pay you to sell their skincare products and by helping other people with their skincare? Chances are you probably already aware of this, which is why you are reading through Neora reviews to see if this is the real deal and worth your time. Well, if you want to know the ugly truth about this company, you better keep reading this Neora review. You’ve been warned! 

What is Neora?

Neora.com is a health and wellness MLM that mainly focuses on skincare. They were founded in 2014 by Jeff Olson and their headquarters is currently based in Texas, USA.

The Neora Product Line

Neora sells a series of advanced, age-fighting, skincare products, including creams, serums, cleansers, and the like. Their products are priced consistently with prestige brands, costing about $70 – $100 per ounce.

How Much Does it Cost to be A Neora Brand Partner?

Neora has several levels of membership, ranging in upfront fees of $49.95 to $1000.

All Neora brand partners get:

  • A personalized e-commerce website
  • Marketing materials
  • Digital marketing tools
  • Online training
  • Order fulfillment, so partners don’t have to buy and store inventory
  • Customer service

With the basic starter kit of $49.95, you get:

  • Marketing materials
  • Online training

Starter pack members at $500 get:

  • Marketing materials
  • Online training
  • 13 Neora products, worth $950.95 retail value

Builder pack members at $750 get:

  • Marketing materials
  • Online training
  • 25 Neora products, worth $1342 retail value

Premium builder pack members who join at $1000 get:

  • Marketing materials
  • Online training
  • 32 Neora products worth $1874 retail value

Seems like you get quite a few products and items with the launch packs, but you will be required to pay an upfront fee. Not everyone has that kind of cash so if you are reluctant to spend so much upfront, fortunately, there are ways to make money online where you can get started for FREE with sites like Wealthy Affiliate, SurveyJunkie.com, Swagbucks.com, and Fusioncash.com.

Neora Compensation Plan

According to the Neora compensation plan, Neora brand partners qualify for 10-25% commissions on their product sales. At the time of this review, in order to remain active, brand partners must generate either 200 PQV every month, or maintain 80 in PQV from auto-delivery orders. As you recruit more brand partners and climb in rank, you earn higher customer acquisition bonuses for auto-delivery customers, from 10%-26%, and the customer acquisition bonus also increases by the number of preferred customers you enroll.

Neora also offers special bonuses, including cash incentives for those who meet certain targets within their first 30 days, and a free tablet PC for meeting certain targets within your first 60 days. Senior Directors can qualify for a monthly cash bonus or opt for a monthly car bonus.

You also earn bonuses and commissions on your downline, up to 10%. Starting at Executive Director through Triple Diamond International Marketing Director ranks, you can qualify for a lifestyle bonus ranging from $300 to $110,000 per month.

As with most MLMs, there are various levels, quotas, and different commission structures for each level, so if this all seems confusing, I don’t blame you!

Fortunately, there are businesses with straightforward compensation such as Wealthy Affiliate. They can help you start an online business where you will be able to work with major companies like Amazon that pay you in a nice straightforward manner.

Maybe you’re not looking for a business opportunity at the moment and just want to make some side income, then you may want to try free sites like SurveyJunkie.com and Swagbucks.com which also have very straightforward commissions.

How Much Money Can Neora Brand Partners Make?

Most MLMs publish earnings but unfortunately, Neora doesn’t publish an income disclosure statement, so it’s difficult to determine how much a Brand Partner will actually make.

What We Like About Neora

 Now that we covered the basics, let’s look at some of the things we like about Neora.

Good BBB rating

At the time of writing this, Neora has an A+ rating with the Better Business Bureau which is good if you pay attention to these kinds of ratings.

Legit Founder

Jeff Olson has been in the health and wellness space since 1988, is a best selling author and has produced hundreds of television programs, so that’s good to know that he is legit and won’t run away with your money.

Neora Complaints

Now that we have covered the positive aspects, let’s look into some of the possible red flags we uncovered.

Get Ready To Recruit

Brand Partners usually have to sell quite a lot of products before they earn any commission. For newcomers, this means that they will probably sell to their family and friends, and then not know how to go on to generate sales to finally start earning consistent money.

The odds of anyone outside the highest level making any money at all with Neora are very slim. As with most MLMs, to climb higher in the ranks and earn more commission, you will need to recruit a lot of people in your downline.

If the idea of selling or recruiting people to make money doesn’t appeal to you, then you might want to try sites like SurveyJunkie.com, Swagbucks.com, and Fusioncash.com which are free to get started.

No Official Income Disclosure Statement

Neora doesn’t publish any Income Disclosure Statements on their website which is very strange for an MLM, since most do make these figures available to the public. You are kind of left in the dark as to how much a brand partner can actually earn.

Expensive Product Kits

At the time of writing this, you could be paying up to $1000 for one of their product kits. It’s always good to invest in your business but these upfront costs might turn people off.

Fortunately, there are other options available that don’t require you to invest large amounts. My Best Work At Home Recommendation can teach you how to start an online business for FREE as a starter member. Other alternatives which also don’t require you to invest any money at all are sites like Inboxdollars.com, SurveyJunkie.com, Swagbucks.com and Fusioncash.com.

Is Neora Legit or a Scam?

Neora is not a scam and its managed by Jeff Olson who is well known in the health and wellness industry.

However, this opportunity may not be right for everyone. The biggest problem is that this business model seems to focus a lot on recruiting and direct selling. Making money in any business is difficult, but even more so with an MLM business model because you’re usually having to chase after people in order to build your downline.

Fortunately, not every business works like this. There are some business models where your customers actively seek you out and come to you which is what My Best Work At Home Recommendation focuses on. It’s also FREE to get started so you have nothing to lose really.

So, there you have my opinion on Neora. If you have any experience using Neora or want to share your thoughts, please leave a comment below.

Until next time,

Eddy with a Y

33 Places to Find Free Online College Courses for Senior Citizens in 2021


Did you know that, as a senior citizen, you may be eligible to get free online training or courses in everything from cooking to digital marketing? The 33 places in this list offer free online courses for seniors to learn the information they want at their own pace. You might be a senior citizen by age, but it’s never too late to learn.

Need Easy Extra $350+/Month For Free?

  • SwagBucks: Watch videos, take surveys, shop and more to earn real money. Earn up to $35 per survey! No hidden fees and completely free. Join Swagbucks Now to Get $5 Free
  • Toluna Opinions: Earn $1-$5 each time you qualify and take surveys. Test products for free and share your opinions! Join Toluna Opinions Now
  • InboxDollars: Has so far paid its members over $40 Million. Watch videos, take surveys, shop and more. Join InboxDollars Now and Get Free $5
  • Opinion Outpost: One of the few faithful and honest survey panels pays cash and gift cards for your opinion. No hidden fees and completely free! Join Opinion Outpost Now
  • YouGov: A leading name in online panels: Join now and earn $50 cash or vouchers for completing surveys! No hidden fees and completely free! Join YouGov Now
  • Ipsos iSay: Every time you complete a survey, you’ll earn points that you can redeem for cash and other great prizes. Join Ipsos iSay Now
  • SurveyJunkie: Make $5-$25 in your spare time from home to take online surveys, participating in a Focus Groups and trying new products. Join SurveyJunkie Now

In fact, some senior citizens begin a whole new career once they reach retirement age.

Or they start a business or decide they want a promotion.

Learning through online courses can help them achieve that.

Even if you’re retired, you might still want to dig into learning something that’s always been of interest to you, but you never had the time to learn it.

You may not know it yet, but you’re about to find out that there are several websites and places where you can go as a senior to get free online courses to expand your learning!

These sites want you to keep learning and growing.

Can Senior Citizens Attend College for Free?

Yes, they can!

Some colleges and universities offer free education programs to seniors who can prove their age.

Others have free courses for seniors to take, while others might offer steep discounts to seniors.

Either way, you can get a cheaper education and learn the things you’ve always wanted to learn.

But there is plenty of free information floating around online, too, for you to take advantage of, and this guide will show you several top websites to find it.

The great thing about learning online is that you can go at your own pace.

You don’t have to worry about being at school at a specific time, either, because most free online courses are ones that you can log into whenever you have time to complete them.

Places to Find Free Online College Courses for Senior Citizens

The following websites are perfect spots for finding free college courses and training in a variety of subject areas.

Udemy

Udemy lets people with special skills and expertise teach online and sell their courses to the world through the platform.

Need Easy Extra Cash?

Pinecone Research, a leading name in online survey panel honesty, absolutely guarantees $3 cash for every survey you complete!

Take advantage of their time limited New Membership drive and register NOW. Join today: 100% free!

Join Pinecone Research Now

However, there are also a lot of courses listed here for free.

Some of them are mini-courses that give you an overview of a subject while others are full courses that people offer to anyone who wants them.

You can learn things like creating tables in Excel, how to be productive when working from home, and how to work with HTML.

Open Yale Courses

Yes, you can learn through Yale!

Like some other highly respected universities and colleges, Yale offers some free courses to anyone who wants to take them.

They include educational materials and pre-recorded lectures for you to make the most of your free class.

Codecademy

If you want to learn coding, try Codecademy.

This course is completely interactive to hold your interest and keep you learning.

You can sign up for the free Basic plan to access the basic courses, content, and features.

FutureLearn

FutureLearn features free courses in healthy dieting, becoming a lawyer, digital skills, and more.

Even courses that aren’t free allow you to try them for a limited time so that you can get an idea if it’s something you want to continue with.

Google Digital Garage

Use Google Digital Garage to learn everything you can about having an online business, digital marketing, search engine optimization, advertising, and more.

These free resources range anywhere from one hour to several hours.

The Fundamentals of Digital Marketing course is one of its most popular, giving those who complete it a free certification.

Carnegie Mellon University’s Open Learning Initiative

Find courses for independent learning (learning at your own pace without a professor) from this site, which has classes on chemistry, Chinese language, business, STEM, and more.

Alison

Experts drop courses on Alison for people like you who want to learn.

There’s a lot to explore here in a range of subject areas, and some courses even have certifications and diplomas upon completion.

Class Central

Class Central is somewhat of a curated list of tons of courses from all over the web.

The site links to free courses it finds from other places, like Coursera, UC San Diego, and Harvard University.

It currently has courses from more than 1000 universities, so it’s pretty likely that you’ll be able to find something you want to learn about.

Open Culture

This site provides a huge list of free courses available on the web, broken down into different categories so you can easily find what you’re looking for.

Memrise

Memrise is an app that helps you learn languages.

There are currently 22 of them available to learn.

This app is all about teaching you language in real-life situations, so you will know how to say things you need to say if you travel.

MIT Open Courseware

The Massachusetts Institute of Technology (MIT) created this site to give people who want to learn the chance to learn.

Its free courses focus on subjects like humanities, society, and energy.

Stanford’s Free Courses

Stanford is another top university that offers free online courses on its website.

Learn everything from child nutrition to algorithms.

Some courses give you CME Credit (Continuing Medical Education), which can be helpful if you’re interested in moving up or starting in a medical field.

Earn Everything… nearly!

Join Opinion Outpost, one of the few faithful and honest survey panels and earn cash and gift cards for your opinion. Stack your points and redeem them: Simple! No hidden fees and completely free!

Join Opinion Outpost Now

BBC Languages

If you’re interested in learning a language, you can visit BBC Languages to get you started.

While you won’t learn a full language enough to become fluent in it here, it’s a great place to learn common phrases and grammar techniques if you plan to travel.

Harvard Extension School

Everyone wants to say that they’ve went to Harvard, and when you take a course through the University, you kind of can!

Harvard has some free courses available to anyone to take through its Extension School.

Ted Ed

If quick video content is more your style of learning, then Ted Ed is for you.

This site features all kinds of informative videos in different categories, like health, social studies, and business, and many of them are less than 10 minutes long.

Coursera

Coursera is one of the most popular course sites on the web.

Although many of them are paid courses, there is a full section of free courses you can sign up for.

They change from time to time, so keep checking back to see what’s new.

Lifehack Free Classes

Lifehack Free Classes includes a few free courses that focus on productivity, motivation, and learning strategy.

Sign up for any or all of them that interest you.

Academic Earth

Academic Earth hosts courses from universities like New York University, Harvard University, and the University of Notre Dame.

You can click through to the university’s page to get your free courses.

Video Lectures

As the name states, this site is all about video lectures from professors at various universities.

You can browse the categories to find a lecture that looks interesting to you.

The cool thing about this site is you won’t be stuck in a course you need to complete.

Instead, you can learn about something completely new each day.

LinkedIn Learning

LinkedIn is a professional networking site that is part social platform, part professional resources.

LinkedIn Learning is its educational portion that features courses you can take to keep improving your professional skills.

Some courses are free, and there’s also a one-month free trial that lets you look around before committing.

Khan Academy

Khan Academy is mostly a place to find learning resources for grades K-12, but you can also learn tons of new things from this site.

Many lessons are also geared toward college students.

It’s free, and it contains so many courses for math, science, history, and more.

The site is supported completely through donations, so if you do have anything to spare, it would be a great place to give back to.

Massive Open Online Courses

This site has a library of close to 3000 free online courses for you to choose from in life sciences, engineering, and more.

There are even highly discounted master’s degree programs you can join if you don’t mind paying a little for them.

edX

edX hosts a bunch of free online courses from top universities and colleges from all over the country.

Learn a new language, study psychology, dabble in economics, and browse through several other categories to find your perfect skill.

Duolingo

Learn a language for free with Duolingo.

The site currently offers several languages, like Spanish, Japanese, and Danish.

What’s great about Duolingo is that it adapts to the way you learn, so it keeps up with how fast or slow you want to move along.

It’s also available in an app if you want to use it on your mobile device.

Other Ideas for Finding Free Online Classes for Retirees

The online course sites above are perfect for finding learning opportunities in just about any industry.

But there are a few more general ideas you can try, too:

Your Favorite Course Creators

If you’ve already scoped out someone online who’s creating courses that you want to try but don’t necessarily want to pay for, keep digging.

Many course creators give away free mini-courses or training that offers similar information as their course but maybe not quite as in-depth.

Usually, they’ll offer the mini-course if you sign up for their email list.

Look around the site to see if you can find an email course signup link.

If your search isn’t turning up anything, you can always email the course creator to see what they have available as far as free courses or a discounted course for seniors.

Your Health Insurance Company

Health insurance companies sometimes have free courses or trainings that revolve around your health.

For instance, you can usually find some type of information about staying active or eating healthy.

Some also have free public health courses, wellness courses, or even trainings that help you learn more about health insurance and its benefits.

If you’re not sure what kind of learning benefits, if any, you have, contact your health insurance provider.

Local Hospitals or Provider Networks

Similarly, local hospitals and provider networks sometimes have trainings or courses related to healthcare and wellness.

Look on the hospital or network’s website to find out more information, or ask your doctor about any upcoming programs.

You might even be able to get free fitness classes through your local hospital.

YouTube

YouTube has all kinds of free videos that cost you nothing to watch, so it can be an excellent resource for learning just about anything you want to.

Use the search bar to find what you want to learn, and you’re almost guaranteed to find several videos that can teach you something.

Community Centers

If you search for “free classes near me” or something similar, you might come up with community centers.

That’s because they often host free trainings or courses to help people in your community learn.

And if they don’t have anything available right now, they might still be able to connect you with other places in your area that do, so it’s worth giving them a call.

Churches

The churches in your area might host classes or be able to point you to resources in your community that do.

If you’re a member of a church, you might also qualify for funding from the church to go back to school or complete a course you’ve been wanting to take.

Libraries

Many libraries offer free courses and training programs for their communities.

Visit your library to ask for a list of upcoming events you can attend.

Some libraries might also have classes online for free.

Community Colleges

Do you have a community college nearby?

You might be able to take a class or two for free.

Some community colleges allow seniors to sit in on a few classes for free.

If yours doesn’t, you could still qualify for special tuition prices for senior citizens.

AARP

AARP offers health insurance, shopping, and all kinds of benefits for senior citizens.

It also has a resource library filled with free courses, events, training, and other stuff to help you learn what you want to learn.

Browse the site to also find in-person workshops that can help you learn everything from computers to job networking.

Get Started with Your Free Courses

Before you begin applying for free courses, make sure you have a reliable computer and internet connection.

If you live with others who could be a distraction to you while learning, try to find a quiet area of your home to learn in and consider investing in a set of headphones that can block out noise.

Also make sure you have a notebook handy to jot down notes as you learn.

You can also use Google Docs or have a Microsoft Word document ready if you prefer typing overwriting.

Finally, be sure to see if a course has a certificate of completion that you can download or order after you’ve completed the course.

Some courses might charge a fee for a certificate, but that fee is often minimal compared to paying full price for a course.

And it could be worth it to have a certificate if you plan on continuing work or starting a business!

If you know of other places for seniors to find free courses, be sure to let us know in a comment.

Related Posts:

Earn Everything… nearly!

Join Ipsos iSay, one of the few Faithful and Honest survey panels and earn prizes, gift cards and donations. Stack your points and redeem them: Simple! No hidden fees and completely free!

Join Ipsos Now



12 Legit Ways to Make Money Playing Games Online


Who says work and play need to be two separate things?

Today, playing video games to make money isn’t just a teenager’s dream job. There are thousands of people who make real income by putting their passion for video games to work.

12 Ways to Make Money Playing Games

Thanks to the internet and technological advances, turning your hobby into a profession is more viable than ever. Because as it turns out, there’s a variety of approaches you can take to make money playing games online.

Options vary from casual gaming to earn a few extra bucks to more involved opportunities with the potential to earn six (or even seven!) figures a year.

Here are 12 of the most interesting ways to make money playing video games.

1. Swagbucks

Swagbucks is a loyalty program that rewards SB points to its’ users for playing original games like Swagasaurus Run and Swag Jump. Any points you earn can be used to redeem Amazon gift cards or cash back from PayPal.

Swagbucks doesn’t stop at video games, either. You can earn SB points by shopping, answering surveys, searching the web, and watching videos. In other words, you earn points just by doing the same stuff you do online anyway!

But you won’t be able to quit your day job to be a full-time Swagbucker; users report that they make less than $1 per hour spent earning points. Still, if you can rack up $10-$20 bucks while killing time on your phone, why wouldn’t you?

Related Content: Swagbucks Review: Can You Really Make Money With Swagbucks?

2. InboxDollars

InboxDollars is a lot like Swagbucks, except you get paid in actual cash instead of points. It’s totally free, and if that isn’t enticing enough, they give you a $5 reward just for signing up!

Besides taking surveys, watching videos, and other online activities, you can also play match-three puzzle games like Monkey Bubble Shooter and Candy Jam. The downside is that your earnings tend to be very small for the amount of time you spend on the activity. In some cases, you may only earn a few cents after 30 minutes of your time.

But once you rack up $30, you can request to have the money withdrawn via check or e-Payment.

Related Content: 11 Ways To Earn Money With InboxDollars

3. Esports

Esports is competitive gaming at a professional level. These elite gamers attend physical competitions to play for cash! Some of them are even televised.

Each esports event is based around popular games like Fortnight, Super Smash Brothers, and Call of Duty.

Some pro players make their money by winning team tournaments, but the most prominent esports teams sign players on a salaried contract. It can be a very lucrative career for an elite few; the most successful esports professional earns more than $3 million a year! However, the average pro gamer is more likely to earn somewhere between $1,000-$5,000 per month.

Unfortunately, it’s challenging to get signed on to one of these teams due to the competition. But those who do make it are primed for successful careers!

4. Twitch or YouTube Streaming

You can make money by live-streaming the video games you play. The money is earned through paid subscriptions, donations, ads, sponsorships, and a virtual currency called “Bits.”

Viewers earn Bits by watching ads on the platform and can then “tip” you Bits if they like something you did in the game you’re streaming. Each bit is worth about 1.4 cents.

Just like YouTube stars, Twitch streamers need to build a relatively broad audience to make a significant income. Some of the top streamers make upwards of $20k per month.

Although Twitch is the widely-preferred platform for live-streaming video games, YouTube’s built-in functionality for mobile streaming makes it a better platform for streaming mobile games. You can also utilize your YouTube channel as a way to entice viewers to visit your Twitch channel.

5. Video Game Blogging

You can turn your passion for games into quality blog posts that can be monetized through ad income, sponsored posts, or affiliate links.

As the saying goes, “the riches are in the niches.” Instead of a generic gaming blog, you might have more success making your blog about a specific genre of game. For example, you can write long-form game guides or reviews of your favorite (and least favorite) video games. You can even blog about the latest video game news.

As with any blog, it can take a lot of time to build up an audience. Game Skinny serves as an alternative to DIY blogging. On this platform, you simply need to write quality content, and Game Skinny provides the readership. You get to build your portfolio, get your content in front of a ready-made audience, and Gameskinny compensates you for pageviews.

The tradeoff is that you need a really high volume of page views to make it worth your while. For example, 30k page views only nets you about $15. But you can also refer other aspiring video game bloggers to the platform and get paid as part of their bounty program.

Related Content: How to Start a Blog and Make Money From It

6 Ways to Make Money Playing Games

6. Beta Tester

Testing video games for a living isn’t as easy as it sounds, but it’s worth investigating if it’s something in which you’re genuinely interested. Video game testers make anywhere between $36-62k per year.

The rub is that you don’t get to play video games the way the average person would. As a tester, your goal is to try to “break” the game by finding bugs and reporting them back to the development team.

Although some companies hire in-house game testers, it’s very common for video-game testers to work remotely.

Video game testers are largely considered to be an entry-level role, so a lot of formal education and training isn’t required. However, a background in software programming or computer science can give you an advantage.

7. Mistplay

Mistplay is an app for your phone that awards Units to users for playing games. Units can be redeemed for prizes like Visa and Amazon gift cards.

You can also earn Units by getting awarded badges when you reach particular achievements in the app.

What makes Mistplay different from many other apps is that there is a social component; you can add friends, compete with them in games, and chat.

If that weren’t incentive enough to check it out, Mistplay also runs monthly contests that offer grand prizes to the winners.

It’s a highly rated app, and if you enjoy playing games on your phone, you have nothing to lose by signing up!

8. iRazoo

iRazoo is a great option for using your internet time to earn gift cards on the side. By playing games, watching videos, and answering surveys, you can earn gift cards for Walmart, Target, and many others.

Each week you get to choose your rewards, and you can even trade-in your points for cash via PayPal.

iRazoo is also reported to have a help desk with a great support team if you need any help while using the platform.

You’re not going to make bank this way, but it’s definitely a fun and easy way to earn a few extra bucks each week.

9. Bananatic

This website is geared towards gamers and pays you a virtual currency called “Bananas” for playing and testing games, either on a computer or their app. Some of the rewards include prepaid cards for Amazon, Steam, Visa gift cards, and more.

You can also participate in “Bananabets” and complete Quests to earn more Bananas.

Other ways to earn Bananas include watching advertisements and sharing or following Bananatic on social media. They also have a pretty decent referral program, offering Bananas for every new sign up and 10% of your referral’s earnings for the first 300 days.

The rewards are usually pretty low-paying (for example, it takes 2500 Bananas to buy a $5 gift card). Still, if you love playing games online anyway, Bananatic is worth checking out.

10. Second Life

Second Life is not only a game but a whole virtual world with half a million users. It’s similar to the Sims but much more complex.

And unlike the Sims, it’s possible (though not easy) to make significant amounts of money!

The virtual currency in Second Life is the Linden Dollar. Linden Dollars are used to buy and sell items for your avatar within the game, but they can also be sold for real cash.

You earn Linden Dollars by playing mini-games, renting or selling real estate within the game, or getting your avatar a job.

300 Linden Dollars equals roughly $1, so most people don’t make a significant amount of cash this way – but it has been done!

11. Paid Game Player

Paid Game Player has been around since 2006 and pays you to play games and test products. They claim to pay out more than $250,000 in cash and prizes every day.

There are more than 600 games to compete in for prizes, including Family Feud and Bejeweled 2. Although you can create an account for free, your games get frequently interrupted by ads, making earning money a slower process.

Upgrading to a Premium membership eliminates the ads and also enables you to get paid for testing and reviewing the games. To get paid, you will need to take detailed notes of any glitches or bugs in the game and put them in your review.

12. Long Game

Long Game is an app for your phone that’s designed to make saving money fun.

The personal finance app lets you create “Savings Jars” to reach various financial goals. For example, you can create a jar for a trip and another one for a car. You also get to set up how often you want to contribute money to your savings.

When you contribute to your savings, you get Coins that you can spend to play games inside the app. Winning these games either rewards you with more Coins or actual cash that gets added to your savings account!

You get to try it for 30 days for free, and then there are a few different membership options available, with the cheapest one costing just a few dollars a month.

Conclusion

For the casual gamer, there are some easy ways to make money playing games. And if you’re a more serious gamer looking to make it a full-time career, there are definitely more opportunities today than there were a decade ago. Who knows how many more there will be in the coming years!

In the meantime, there’s nothing wrong with dabbling in these options to see if any are a good fit for you. You never know, you might just find your calling in the video game industry!

Originally published July 15, 2019. Content updated February 8, 2021.

How to Start a Business With No Money (6 Steps for 2021)


If there’s anything the madness of 2020 taught us, it’s that getting a job at a reputable company and working your way to the top is a thing of the past.

And when millions of people who thought they were “safe” actually lost their jobs last year, many of them decided it was time to start a businessBut figuring out how to start a business with no money (or little money) can be puzzling. 

The truth is it’s not that complicated. Like most people, you’re probably overthinking it.

You don’t need a life-changing idea, a fancy degree, or investors knocking down your doors. 

We guarantee: You can start a business with no money — whether you want some extra cash from a side-hustle or want to give full-time entrepreneurship a try.

start up team brainstorming business ideas

Step 1: Give yourself a cushion

When people are learning how to start a business, they want everything to be easy and sexy.

The truth is, what will be absolutely most helpful to you as you start your own business is to build up a cushion — or a financial runway — that will give you some breathing room to experiment, learn, and build your business.

If you have zero money right now, starting a full-time business probably isn’t the wisest thing to do (unless you’ve done it before). 

There will be too much financial pressure to cut corners or make exceptions you shouldn’t. 

Instead, work an easy day job or work part-time while building your business until you can take it full-time.

Step 2: Worry about the essential; forget the rest

Before we go too far here, we’ve got a simple framework to help you finally start learning how to start a business with no money.

It’s this: Worry about the essential; forget the rest.

And, honestly, what you think is essential probably isn’t.

As an example, IWT has generated millions and millions of dollars … and we still don’t have stationery. We’ve never lost out on a client because we didn’t have business cards! 

But we’ve focused on the things that were critical to growing the business to the next phase and that has made all the difference.

So what DO you need? It’s simple. You need: 

  • something to sell (a product)
  • someone to sell to (a customer)
  • some way to communicate (marketing)

Here’s Ramit’s take on the question:

Step 3: Decide what to sell

While you don’t need a world-changing idea, you do need something to actually sell to people.

You could sell freelance services, write and sell an ebook, develop and sell a video course or do something else entirely. Be sure it’s catered to your skillset. 

But until you have something to sell, you can’t start making money. And if you’re not making money, you’ve got a hobby, not a small business.

To start, select something you can make yourself and don’t have to hire other people for (yet).

Pro tip: Your product doesn’t have to be perfect. Remember, “done” is better than “perfect.” The idea is to move quickly here and not get stuck in the “brainstorming” or “creation” phase. 

Here’s some help from Ramit on how to find the right business idea and scale the business. 

Step 4: Find Customers

Here’s where a lot of would-be entrepreneurs get frustrated when trying to figure out how to start a business in general.

Finding clients or customers can be frustrating when you don’t have any money to grow your business.

Here are a few places to find and interact with potential customers 100% FREE:

  • Facebook groups for your target audience
  • LinkedIn hashtag threads from your industry
  • Twitter conversations around your business idea
  • Meetups in your area (once Covid calms down)

Step 5: Start promoting

Once you’ve got a product and an audience of potential customers, it’s time to start hustling.

When you’re learning how to start a business, you have to be willing to put in the extra hustle to make up for the lack of budget. 

But no business worth having was ever built without some serious sweat equity. You can do this!

Start by reaching out to your close friends and family and asking if they know anyone who would benefit from what you’re selling. Call up local companies and offer your services. Email people and ask for feedback or give them a trial of what you’re offering.

The idea is to get creative here and put in the reps to bring in your first few customers or clients.

You can find way more tactics and ideas for actually promoting your business in our in-depth marketing guide.

Step 6: Plan ahead & take risks

Finally, as your business begins to take root and grow, you’ll want to start looking to the future. 

Learning how to start a business is just the beginning of your journey. At some point, you’ll want to start asking these kinds of questions:

Of course, no business can be grown without a little bit of risk. So ask yourself, “How much am I willing to risk to grow my business?”

Remember: You’ve got this! 

More resources for starting a business with no money

If you’re getting serious about starting a business, you might want to take the next step and join Earnable, one of our most famous and popular courses. Earnable breaks down the hidden steps behind starting a business. It’s all laid out, step by step. And you don’t even have to have a business idea to get started. 

Do you know your earning potential?

Take my earning potential quiz and get a custom report based on your unique
strengths, and discover how
to start making extra money — in as little as an hour.

Start
The Quiz