Category: How to make money on the internet

Covid-hit university students: ‘Why have they sent us here?’


Nell Manson, left, and Lucy Owens are self-isolating at Glasgow University

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Nell Manson, left, and Lucy Owens are self-isolating at Glasgow University

Students caught up in a spate of Covid outbreaks have questioned why university halls were allowed to open.

They have been told not to visit pubs or restaurants this weekend or go home after hundreds of students across Scotland tested positive for the virus.

However, many have called the outbreaks inevitable given students were encouraged back to campus.

The Scottish government said all efforts were focused on stopping further transmission of the virus.

One of the worst affected halls is Glasgow University’s Murano Street residences where at least 172 students have tested positive for Covid-19 and hundreds more are self isolating.

Lucy Owens, a student living in the Murano complex and who has coronavirus, questioned why students had been brought back given so much learning had moved online.

She asked on the BBC’s Good Morning Scotland programme: “What are we paying for? I could do everything I am doing from my house, so why have they sent us here?

“I know we’re making the most of this accommodation because we’re stuck in it all day but we’re not really making the most of being at university.

“Putting two thousand students into such a confined area, something like this was bound to happen.”

Fellow student Nell Manson said keeping students out of pubs and restaurants was not the answer.

She said: “More things will be happening in accommodations.

“In pubs and restaurants there are lots of social distancing measures, you can’t even get up from your table without a mask.

“It lends itself to people socialising in other ways where there’s not such strict rules.”

Image copyright
Getty Images

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Students in Glasgow have been getting tests and told to self isolate

Tessa Morrison, 17, who is studying politics at Glasgow University, said she has had a positive Covid diagnosis and is living with 10 other people, some of whom also have the virus.

The students all have their own rooms but share two bathrooms and one kitchen.

She said it was “difficult to avoid people” in this setup, adding, “They should have waited until at least Christmas to let us come here, I do think they are just trying to make money off us being in halls and they knew this was inevitably going to happen.”

Image copyright
PA Media

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Glasgow University said the positive cases were due to social activity during Freshers Week

There are currently about 250,000 students in Scotland, with up to 35,000 living in university halls and 10,000 in private halls.

Covid outbreaks have been reported at halls of residence in Glasgow, Dundee, Aberdeen and Edinburgh.

Arturo Morselli, a student from Italy studying at St Andrews University but living in Dundee, said he felt left in limbo by the current situation.

He said: “My belief is that universities are trying to avoid accountability in the sense that they are not taking decisions.

“We students are caught up in the fact that no one wants to take responsibility for what’s going on and we are the ones caught up in it and we don’t know if it’s worth the money we are paying.”

Image copyright
Isobelle Robinson-Gordon

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Isobelle Robinson-Gordon described her university experience to date as “very ostracising”

Isobelle Robinson-Gordon, a first year student at Edinburgh University, said her experience had been “very isolating” so far.

She said: “I’ve moved to Edinburgh. I’m in accommodation, but all the learning is online. I’m frustrated.

“A lot of students are here and ready to learn, but it’s all online. It’s the lack of direction. It’s debilitating.

“We’ve not had any guidance from the university. Everything we’re learning is from the news media.”

‘Essentially imprisoned’

Helen Kirkpatrick’s daughter is a second year student at Glasgow’s Strathclyde University and is staying in private halls.

She said: “After going back there she has found out that all classes will be online for the first semester.

“She’s signed an agreement and paid a lot of money to stay there and what for? Now she is essentially imprisoned?

“She could have studied at home – I think the Scottish government could have handled this a lot better.”

‘It’s not stigmatising students’

Universities in Scotland have agreed to introduce a “yellow card, red card” system for breaches of student discipline that put students and others at risk, which could result in an end to their studies.

Higher Education Minister Richard Lochhead said this, and curbs on going to hospitality this weekend, was about trying to stop the virus spreading.

He said: “This is an ask of the student population of Scotland from universities. The Scottish government support that, but the universities are asking the students jointly across Scotland this weekend – given we’ve got a number of outbreaks of the virus and some campuses across Scotland – to have the weekend off from socialising out-with the households.”

“The vast majority of students have been so responsible, it’s a very tough time for them.”

Mr Lochhead added that “it’s not stigmatising students, it’s not about saying they’re particularly to blame for what’s happening.”

First Minister Nicola Sturgeon said the Scottish government was trying to strike the right balance between protecting public health and ensuring there is a “degree of normality around education”.

She told Radio 1 Newsbeat: “Students deserve to have a campus experience. They deserve to have some kind of normality in their life. So people will have different views about the rights and wrongs.”

Image copyright
Alamy

5 Expert Tips on How to Increase Site Traffic in 2020


It’s no secret that Google loves updating its SEO algorithm. In fact, over the course of a year, they may make upwards of 500+ changes!

SEO is the process of optimizing your content, so it shows up more often in search results. With so many changes to navigate, it’s easy to miss something. And soon enough, you could find your first page search rankings now on the second or third pages.

If your site content isn’t ranking in the search engines for your preferred keywords and phrases, all is not lost. There are still plenty of ways to improve your rankings while also getting quality traffic from other locations as well.

But if you get it right, you can reap the benefits of increased traffic, which leads to more conversions, improves lead generation, and boosts sales.

To help with this process, here are five practical content creation and marketing tips that worth exploring. Be sure to read along and follow these tips to increase back traffic to your website.

1. Blog Regularly and On Schedule

In recent years, blogging and content marketing have been very big components of the digital marketing landscape.

Now it seems like most businesses and websites have their own blog, and with good reason – blogging brings more traffic to your website, helps you establish better and stronger relations with the audience, and will help you to establish yourself as a lead thought in the niche.

However, it to comes to blogging and business, there is a certain art to it. For example, what are ecommerce sites and ‘boring’ niche markets supposed to blog about?

More often than not, the best way to get around this is to create content that is relevant to the business or service offered, but still providing value to your audience.

A perfect example of this can be seen on WithClutch, as they are a refinance and personal finance business, but also have blog topics ranging from “When is the best time to buy a car?” or “Whats the cheapest state to buy a car in?” and other related topics.

The key takeaway here is that they are able to create content through their blog that are covering topics that their audiences and potential customers are likely already searching for. This is a win-win situation for both the blog and the end user.

As with all blogging efforts, will take time, but it’s really worth it when you have a clear plan and a content calendar in place. You can also convert the blog content into an infographic, slide deck or e-book. And definitely make sure you are taking advantage of social media and everything it has to offer.

The better the content, the more it is enjoyed and discussed by the public, which means more readers and loyal fans who visit your blog on a daily basis.

2. Focus on SEO and Long Tail Keywords

Like it or not, search traffic is still one of the most effective ways to get high quality traffic and leads back to your site. The only problem is it’s super competitive and saturated.

Search engine optimization (SEO) is the process by which a website is visible in the search results, and can improve their rankings by making improvements to their site, content and social channels.

This can be done by optimizing keywords and site layout, reducing loading time and making the website easy for mobile users to search the site. It’s also important to make sure you are using SERP tracking tools to see what keyword and ranking movements your optimization efforts are having.

The early ranking algorithms of the search engine relied heavily on the content of the keyword for ranking purposes. This meant, however, that website designers could hack the system and use keyword stuffing to increase rank.

Now it’s a much more complicated process and not one that is easy to game. Page ranking algorithms are much more advanced and rely on several factors, like inbound or backlink quality and relevance.

3. Create Comprehensive, Authoritative, Evergreen Content

If you are going to spend your time writing content, it’s important that you make sure it’s worth your audiences time and provides real value. It’s also a good idea to focus on ‘evergreen’ topics so you content doesn’t go stale after just a few months.

Some of the best forms of evergreen content come in the form of resource guides, how to’s, and user tutorials. You must then create content that targets the customers rather than robots—using quick, short, but true phrases.

Depending on the niche market you are currently focused on, this might be easier or harder to accomplish. MeetEdgar has a nice resource guide that highlights a few different examples of evergreen content across a wide range of niche markets. Be sure to check it out to get some new content ideas for your site or blog.

No matter what type of content you are creating or who it’s for, there are several great ways to show search engines that your site really provides content of value — and that through detailed, authoritative, evergreen content.

Here are some of the working methods to best accomplish this.

  • Long-form content stick. Longer content tends to exceed shorter content (at least 2,000 words).
  • Use LSI keywords. There are keywords or phrases that are closely related to the content of your post.
  • You will have to do research to write quality content so that you can have information that is very valuable.
  • Be easy to learn. Be quick to read. Html uses whitespace, headings, short paragraphs and related photos to facilitate the page’s consumer consumption and time rise.
  • Have links and deals of high relevance on the page. Provide meaningful internal connections to address the query of a reader. This will also reduce error rates significantly to bring people onto the website.
  • Include photos, illustrations, video and text. This catches the interest of readers and makes them more interested in the content.

Before writing your next article, be sure to run through the list above to make sure your content hits all of these fine points.

4.  Comment and Contribute on other Relevant Blogs

Despite what many people thing, commenting on and contributing to other websites and blogs is still very effective today. Yes, you might not get a dofollow link back from these efforts, but they can help with getting your name out there and boosting new clicks and visits over to your site.

Comment threads are very close to forum marketing, in the sense that you can take time to show that, rather than searching for traffic, you are trying to contribute when commenting on a post. In a perfect future, you can frequently try to comment on your own blogs.

And the act of guest blogging or contribution with original content to other sites is also nothing new, however, it is still a huge opportunity for your site and brand. More often than not, the only cost associated with guest blogging is your time and outreach effort, and as you continue to gain new placements on smaller sites, this will help with your ability to contribute to much larger ones down the road.

Both of these methods are perfect for backlinks and creating influencers in your niche, but in this situation, you are still a daily reader and blogger so you won’t sound as though you were a spammer by linking to one of your pages.

5. Find Your Audience on Social Media

Social media can be a perfect way to build your following and consequently boost your website traffic. You cannot, however, only post links to news items or blog posts and hope people can fly.

Instead, you need a plan to identify the best brand platforms and then find out how your specific target customers use those platforms.

And when it comes times to read new audiences, don’t over your options with influencer marketing. And depending on your niche market, the reach and power of influencer marketing can result in higher

With more than 3 billion users spread across the most active social platforms like Instagram, Facebook and Twitter, it’s now easier than ever before to reach new audiences and redirecting them back to your site.

With influencer marketing in play, it’s also a cost-effective solution for testing out. While celebrities and big players are generating thousands of dollars for individual posts, smaller micro and niche-influencers often cost a fraction of that, but also offer much tigher audience targeting.

Bonus Tip: Promoting Webpages on YouTube

This last bonus tip is one that we could write a whole resource guide on, but we will just quickly recap here and let you explore it in more detail on your own.

In short, YouTube is the largest video search engine in the world. It’s free to use and they even host your video content for free. Throw in that billions of video impressions are taking place daily, and when utilizing this platform correctly, it could be a huge source of traffic for your site.

When creating videos, don’t forget that most readers have a short focus and attention span, so the video must be short, snappy and also includes a call to action telling the viewer to click on the links in the description area.

YouTube allows for users to add backlinks to their video content descriptions, which also means more clicks and traffic back to your site. To learn more about how to rank videos on YouTube, check out this YouTube SEO resource guide.

Quick Tips on How to Increase Real Traffic to Your Site

There you have it. Five simple and effective expert tips to help increase traffic to your site through the use of improved search rankings, more social activity and creating better content for your audience.

Be sure to start implementing these methods, while also keeping an eye on your traffic levels to see which methods work best.



The Top 10 Sites to Find Thousands of Remote Jobs


Remote job boards are the best places to find real work from home jobs. Sure, you can find remote work on big-name sites like Monster, Indeed, and CareerBuilder. But, you have to sort through a lot of non-remote roles to find the real remote jobs.

Here are the top 10 remote job boards to find thousands of reliable work from home jobs.

This can end up costing you extra time, energy and effort that is better spent on your job search.

What Are Remote Job Boards?

A remote job board primarily focuses on remote jobs. It really is that simple. Some of these sites have 100% telecommute positions. Others have flexible job options or partially remote positions.

Because they are remote-focused, these job boards make it easier to find telecommute positions. As a bonus, you can also find tons of helpful job search tips for remote job seekers on their blog pages.

Top 10 Remote Job Boards

1. Remotive.io

Remotive isn’t just a job board. It’s a community for remote workers. The community offers a place to network, ask questions, and connects with fellow out-of-the-cubicle thinkers.

Jobs are broken down by categories like Software Development, Customer Support, Design, and Marketing. Many of the listings are from startups but there are well-established companies too.

Don’t forget to check out the Remotive Blog for tips and stories on remote work.

2. We Work Remotely

We Work Remotely is one of the largest remote job boards. In fact, it receives more than 2.5 monthly visitors each month.

You can easily browse jobs by category like Programming, Design, Copywriting, and more. WWR also maintains a Top 100 Remote Companies list.

There is also a Slack Channel to join for even more ways to learn about remote work.

3. Just Remote

Just Remote is a great site to search for fully remote and partially remote jobs. As a reminder, partially remote jobs allow remote work sometimes but also require some in-office time too.

At Just Remote, you can search by category, job type, and even job origin. There’s also a large list of awesome remote-friendly companies from around the world.

You can even get a little resume help from Just Remote too! Through the Resume.io link simply select a template and create a remote resume that gets you hired.

4. Remote OK

Remote OK has a large collection of tech-focused remote jobs. But there is also an entire category of non-tech remote jobs too.

There’s a unique profile feature at Remote OK. You can sign up as a remote job seeker and join the talent pool. After that, you get matched with remote companies.

As far as remote job boards, Remote OK is a great way to supplement your job search. It’s convenient to create a job seeker profile and also sign up for daily job alerts. This makes it easier than ever for remote jobs to come directly to you.

5. FlexJobs

FlexJobs (be sure to use promo code AFFILPROMO for 30% off) is a membership site. That means you have to sign up for a paid plan in order to search remote jobs. Memberships range from monthly to yearly. For freelancers, a yearly plan works best (and saves the most money) since you constantly look for new clients and projects.

But for traditional remote job seekers, a month-to-month plan is ideal. Your job search (hopefully) won’t last for an entire year. If it does, you’re probably making some common remote job search mistakes!

What’s great about FlexJobs is the fact you don’t have to worry about scam posts. FlexJobs guarantees all its listings are 100% the real deal. Another perk with membership are the virtual career fairs. These are held to help remote job seekers instantly connect with hiring managers.

Please check out my full FlexJobs review to learn more and grab a promo code to save on your membership.

6. Jobspresso

Jobspresso is one of my favorite remote job boards because it hand picks leads. In other words, every single job listing is vetted before it’s posted. And even though all jobs are curate, it’s still free for all job seekers to use!

Easily browse jobs by popular categories like Developer, Marketing, and Customer Service. There’s even an option to post your resume so employers can find you.

Jobspresso sends out weekly job leads as well as daily ones via Twitter and Facebook, so be sure to give them a follow.

7. Remote.co

At any given time, there are hundreds of new positions posted on Remote.co. Jobs are broken down by categories like Accounting & Finance, Data Entry, and Customer Service to name a few.

Of all the remote job boards on this list, Remote.co is the most information forward. The site provides a lot of helpful resources for job seekers including a Q&A section written by remote companies. It provides tons of insight into remote work from a company perspective.

8. Dynamite Jobs

As I type this, Dynamite Jobs has 1,223 positions listed. What I like about Dynamite Jobs is the search features. You can search by category, of course, but also timezone. This is super helpful for anyone living outside the United States and in need of international remote jobs.

You can also find amazing remote job resources and sign up for weekly handpicked job leads delivered to your inbox.

9. Hubstaff Talent

Hubstaff Talent connects companies with the best remote talent (that’s you!). Keep in mind, remote work found on Hubstaff is freelance.

Quick reminder, freelance work is a lot different than employee work. As an employee, you receive benefits like paid time off and health care. Freelancers are not entitled to these perks and work on a per project basis.

Please read my Freelance vs Employee guide to find out which type of remote work suits you best!

10. Working Nomads

Working Nomads curates its jobs from other remote job boards and similar employment sites. However, there is an emphasis on digital jobs and worldwide work here. So, if you want to be a true digital nomad and roam the globe while earning cash, this is a good site to start with.

There are both freelance and full time positions here. But be sure to read the job details carefully as some will require you to reside (or roam) within a specific country or timezone!

Get The Most Out of Remote Job Boards

Don’t just run to remote job boards for the leads (although you totally should). Make sure you take advantage of all the resources they offer too.

Most of the sites listed allow you to create job alerts. All you do is put in your email address and — boom — remote jobs delivered to your inbox on autopilot.

This makes it super simple to receive thousands of job leads every week and you don’t have to physically search for them.

When possible, join Slack channels. Many jobs are filled via networking. For remote job seekers, there is no better networking than getting to know current remote workers and the companies that hired them. (If they hired them, they can hire you too).

Need Professional Help?

I’m a certified career coach that specializes in remote work. It’s one thing to browse remote job boards to find leads, but getting hired? Well that’s where things get tough.

I’m here to help.

Whether you need a resume audit or full overhaul, help to determine a career path, major assistance in the LinkedIn department, or just feel lost — send me an SOS.

I offer free 15-minute consultations via Zoom to get the ball rolling. If you’re ready to go, check out my available career coaching services and take the first step toward career freedom.

Happily,

Ashlee Anderson

P.S. This post contains affiliate links. Check out my disclosure statement to learn more.

Picoworkers Review: Real Quick Cash Online or Scam?


The internet has come a long way since we first heard of it. You can now earn an honest living online doing short, quick tasks at sites like Picoworkers. However, the internet is a gift and a curse in equal measure. You can easily fall for a scam or worse. That’s probably why you’re reading several Picoworkers reviews to determine whether it’s a waste of time or a low hanging fruit. 

Well, be glad you’re here. We did the research to save you some valuable time. So read the truth about the company in this Picoworkers review.

What Is Picoworkers?

Picoworkers.com is an online marketplace where freelancers perform a variety of small jobs for business owners. The company was founded in 2012 and is currently under the management of tech CEO Benjamin Quinlan. They’re currently located at 27 W. Anapamu St. #140, Santa Barbara, CA 93101.

How Do You Make Money On Picoworkers?

Baasically Picoworkers connects business owners with freelancers to perform certain small jobs or micro tasks like taking surveys, writing small blog posts, testing apps, writing honest reviews, commenting on a social media post, creating short marketing videos, liking a social media page and more. 

Picoworkers will then review the freelancer’s job and submit it to the client for review. If the client approves the job, Picoworkers will deduct a certain commission and pass over the proceeds of the job to you, the Picoworker. The client may then rate you positively, adding to your success rate. If the client turns down the job, you won’t be paid and the client is free to leave a negative review on your profile. As you work and maintain a good success rate, you may be promoted to a higher level where the pay is slightly higher. 

How Much Can I Make With Picoworkers?

Honestly not much. The money you earn depends on a variety of factors including your success rate, volume of work and personal effort. You would be lucky to get a gig paying a Picoworker over $0.5 as most tasks pay anywhere between $0.04 and $0.3. However, keep in mind these are small tasks you can complete in minutes to earn money. So if you have the time and patience, the cents may add up if there’s enough volume of work. Based on what Picoworkers posts on this page, the highest earning freelancers have currently pocketed roughly $1000 in lifetime earnings doing these small jobs.

However it’s unclear how long the user took to reach these amounts. Actual freelancers have reported earning about $50 on a good month. You can also earn money referring others, whereby you’ll earn 5% of whatever your referral earns for life. 

So obviously you won’t earn a living as a Picoworker doing these small jobs working at Picoworkers alone. The best way to pile up your earnings to something meaningful is to join a couple more opportunities. You can make money online doing what you already do online at sites like SwagBucks.com and FusionCash.com. You can also make money online taking surveys at SurveyJunkie.com

However, these opportunities are only good for a little extra cash. If you’re better off spending time doing something that will earn you a sustainable income consistently, consider checking out My Best Work At Home Recommendation

How Does Picoworkers Pay You?

Picoworkers pays freelancers via either PayPal, or check or cryptocurrency. Once you’ve earned at least $5 and your balance is enough to cover the transaction cost you can request for payment. It’s not clear at this time how long it takes for the money to reach you. However, the PayPal option is instant. But they’ll require a photo of your driver’s license or identification before they pay you. 

How Do I Get Started With Picoworkers?

At the time of writing this Picoworkers review, all you need is a working email. Once you fill out the sign up form and verify your email, they’ll ask you a couple of demographic questions including age, location, occupation and so on. When you’re through setting up your profile you’ll earn $0.5 as a sign up bonus and then you can begin working.

Picoworkers Complaints

I know this is the part of the review you’re most interested in. So read along to be sure you’re not getting into anything shady or wasting your time with Picoworkers.

Don’t quit your day job

Picoworkers will definitely not pay for any vacations. It’s good for a little extra money, but definitely not something you can rely on for as a consistent source of income. Workers say the tasks run out sometimes and it’s really hard making the pennies add up to anything meaningful at the end of the day. 

High transaction fees

Picoworkers will deduct a cool $0.50 out of the $5 minimum payout when you cash out, in addition to your payment processor fees. It can be quite annoying having to cover such expenses especially when earning these pennies takes quite a bit of time and effort.

You can’t withdraw your sign up bonus

So when you sign up you’ll earn 50 cents immediately, but that money can only be used within the platform. It won’t count as money you earn as you can only use it to pay for a job. In addition, they don’t make that clear as you sign up. You’ll only know about it once you read the fine print buried deep in their Terms page

You must upload an ID to get paid

If you’re usually uncomfortable sharing your identity documents with such make money sites, then Picoworkers may not be for you. They’ll need you to upload a photo of your ID or driver’s license before you get paid. But to be fair they do reveal this clearly on their FAQs page. But I know this can be a deal breaker to some of y’all so you’re better off knowing in advance. 

Fortunately, you won’t have to submit an ID to make money online and you also get to keep your sign up bonus at sites like SwagBucks.com and FusionCash.com. There are always easier ways to earn money online.

No BBB Rating

If you rely on the Better Business Bureau to confirm a company’s legitimacy you’re going to be disappointed tp learn that Picoworkers is not listed with the BBB at the time of writing this Picoworkers review. 

Is Picoworkers.com Legit?

Picoworkers appears to be a legit way to make money doing small tasks. There are several payment proofs online, and they’ve been around since 2012. However, you’ll definitely not pay your bills with this opportunity. In addition, you may need to give up an arm and a leg to make money, as you’ll have to verify your identity and cover all transaction costs before you get paid. Besides that, Picoworkers is a legit way to earn a little extra money doing microtasks online. 

That being said, perhaps you may be comfortable earning a little extra cash doing these small jobs at Picoworkers, and that’s ok. If not, you can make even more money doing what you already do online at SwagBucks.com and FusionCash.com. You can also check out SurveyJunkie.com for survey opportunities. 

But if a little extra cash is not what you’re looking for, you can check out My Best Work At Home Recommendation and learn how to make real money which can eventually turn into a passive income earner for you. 

Well, that’s my Picoworkers.com review. Do you still have questions? If so, you can visit their FAQs page for answers. We would also love to know what you think about Picoworkers or any other similar company. So feel free to chime in at the comments section.

Until next time

Eddy with a Y

 

A Complete Guide to Delivering (Earn up to $25 an Hour)


Are you thinking about delivery driving for Postmates? Read this guide to learn about the company, how deliveries work, how much you can make, and how to maximize your earnings while creating your own flexible schedule, day or night.

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More and more people are catching onto the fact they don’t need a 9-5 job to make decent money.

In fact, they might even be able to make more without a traditional job.

That’s where services like Postmates come into play.

These “gig” services help people have jobs with flexible hours – even allowing them to choose their own schedule right down to the minutes they work.

That means that you can choose to work one hour a day, 40 hours a week, or as much as you want to make the money you need and work around your daily schedule.

And while many of these services are awesome, this review is all about Postmates.

Postmates seems to be one that many gig workers are eyeing as a way to make money in their spare time or find something more flexible for a full-time job, so it’s one I want to focus on with an in-depth review.

As a Postmates driver, you’ll get all the benefits of working for yourself.

If that’s something that sounds interesting to you, keep on reading to learn how it works and what real Postmates drivers have to say about it.

What Is Postmates?

Postmates is a delivery service that matches customers with drivers who can deliver the things they need to their home, business, hotel, or wherever else they happen to be.

Customers can use the Postmates app to search for places near them that partner with Postmates for delivery services.

Many of the hundreds of thousands of stores and restaurants that Postmates partners with only partner with Postmates, making the company one of the most popular and largest of its kind.

In addition to providing customers with quick, easy delivery services, Postmates also offers delivery driving positions to independent contractors who want flexible work.

As a delivery driver, you’ll meet the needs of customers who order something through the Postmates app, earning money on your own time.

Postmates Availability

Postmates is currently available in more than 3500 cities across the United States, with some of the largest cities being the most popular areas for Postmates delivery services.

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A few of the big cities in which you can expect to find Postmates-partnered places include:

  • Charlotte
  • Chicago
  • Denver
  • Long Beach
  • Los Angeles
  • Miami
  • New York City
  • Phoenix
  • Portland
  • San Diego
  • Seattle

You can always search for locations near you that use Postmates by using the app.

Simply make sure your location settings are turned on for your device, and the app will locate restaurants and stores near you that deliver with Postmates.

Using Postmates for Delivery

As a delivery service, Postmates is mostly for food. It partners with various restaurants to provide their delivery services without them needing to hire extra people on the books for delivery.

Postmates will hook you up with a delivery person in your area who can go to the restaurant, grab your order, and bring it to you.

Some stores also partner with Postmates, too, like grocery stores or delis, so you may be able to get your groceries and fresh meats delivered to you as well.

Depending on your area, you might even be able to get books, tech devices, household items, and other goodies delivered through Postmates.

You can open the Postmates app to find places near you that use Postmates to deliver.

Click where you want to order from, place your order, and Postmates will have it delivered to you within its estimated delivery window.

It won’t cost any extra for you to use Postmates, but don’t forget to give a tip to your driver, just like you would if you were using an in-house delivery service.

Working for Postmates: A Detailed Review

I know many of you probably came here to learn what it’s like to be a Postmates driver rather than finding out how to use the app for delivery.

This section is going to explain everything you need to know so that you can decide if Postmates delivering is something you might want to try.

How to Become a Postmates Driver

There are, of course, some requirements that you must meet in order to become a Postmates driver, including:

  • Be able to pass a background check
  • Be at least 18 years or older
  • Have a reliable and insured vehicle or a bike
  • Agree to the Fleet Agreement
  • Fill out an application completely
  • Complete your driver profile with a photo

Once you’ve passed all those requirements, you’ll receive a welcome kit in the mail that includes a Postmates Card,

You’ll need to activate that card (some markets don’t require one, though) to begin working as a driver.

How Does Postmates Delivery Work?

The Postmates delivery process is quite simple on your end.

First, a customer places an order in the app for the stuff they want.

You’ll get a notification in the app that someone in your area needs delivery. The app will let you know all the specifics, including the addresses of the pickup and dropoff location and any specific delivery instructions.

Once you arrive at the pickup spot, you’ll pay for the items using a prepaid Postmates card that you received in your welcome kit.

Bring the order to the customer and complete the transaction in the Postmates app.

You’ll receive your delivery fee plus whatever tip the customer decided to pay you (you keep 100% of your tips).

Read More: 26 Best Ways to Make Money Delivering in Your Spare Time

What’s the Postmates Scheduling Process Like?

There really isn’t one!

With Postmates, you can log into the app and mark that you’re ready for deliveries whenever you have spare time and want to work.

Once you set your status as available, the Postmates app will know to send you delivery orders during your available timeframe when people order in your area.

How Much Can I Make with Postmates?

The million-dollar question!

The answer isn’t simple, though, because how much you earn depends on a lot of different factors, like your delivery location, how often you’re available, and how many deliveries you can complete in a short amount of time.

Some areas are simply much busier than others for deliveries.

Huge cities like Los Angeles and New York City, for example, probably get a lot more orders than smaller cities and towns.

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However, it might take you longer to get through traffic in those cities, too, making you less likely to complete a bunch of deliveries in an hour or two.

You’ll also need to compete with other Postmates drivers in busy areas.

Your customers’ tips also play a role in your earnings.

Postmates does have a helpful list of payments by market, though, to help you figure out about what you can expect to make with the company. You can find that here.

In Minneapolis, for example, you’ll get $1.55 per pickup, $0.70 per dropoff, $0.68 per mile, and $0.07 per minute.

Let’s say you did two deliveries in one hour, each delivery took 15 minutes, and you drove about 10 miles. You’d make about $13.40 for that hour of deliveries.

That’s not bad, especially for only two deliveries.

Postmates advertises that drivers can earn up to $25 per hour, which isn’t unlikely if you’re in a busy place with lots of deliveries happening at a time.

Read More: How Much Can You Make Driving for Uber? Find Out from Real Drivers!

How Does Postmates Pay?

Postmates pays weekly via direct deposit.

With each payment, you’ll get the pay for anything you earned between Monday through Sunday of the prior week.

Depending on your bank, your pay may take two to three business days to show after Postmates sends it.

How to Maximize Your Earnings with Postmates

Want to know if it’s possible to get paid more with Postmates?

It definitely is, especially if you follow these tips for higher earnings:

Schedule Wisely

Each market will be a little different in its best times for deliveries, so it might take you a few weeks to get into the groove.

Experiment with working different times and days in the Postmates app.

You might notice that Friday nights are best between 6-10 because lots of people are ordering pizzas and wings.

Or, Monday lunchtimes might bring you a lot of delivery opportunities to offices.

Your area could be busier on weekends with deliveries than through the week.

After a few weeks of paying attention to when your earnings peak, you should settle into a schedule that maximizes your earnings.

Pay Attention to Incentives

Postmates offers bonuses and other incentives to drivers.

You might receive occasional emails about these special periods that give you extra cash for working with Postmates.

There’s also something called Blitz Pricing, which increases the pay for specific deliveries when there are more deliveries than drivers available.

These deliveries can really help you cash in because they’re often double or triple the amount of a regular delivery.

Make sure you set your app to give you notifications when there’s Blitz Pricing in your area.

Head to Hot Spots

Areas on the Postmates app that are marked in red are considered to be hot spots, which means they’re a busier area with lots of delivery opportunities available.

You can always head to a hot spot and set yourself open to deliveries there to be available when orders come in.

Work for Thumbs Up

Customers can choose how much they want to tip you – and it could be nothing at all.

You’re much likelier to get a great tip, though, if you follow all instructions and provide excellent customer service.

So, always work for those “Thumb Up” ratings that customers can give you after you complete their order.

If they know you always do a stellar job because of your rating, and you show them that with their delivery, then you stand a good chance of getting awesome tips.

Turn on Auto-Accept Orders

The Postmates app lets you automatically accept orders near you and update your delivery route as you drive.

This helps you get continuous orders during the time you’re available instead of having to manually accept orders between deliveries.

Get Your Referral Bonus

If you were referred to Postmates by someone else, you can get a bonus when you sign up and complete your account.

Make sure you’re clicking the referral link and/or entering the necessary code to get that bonus.

Check Out the Postmates Reddit

The Postmates subreddit is an excellent place to learn from other newbie and seasoned delivery drivers.

Or, you can just use it to vent about your day or provide a little humor to the rest of the community.

But there are sometimes great tips, especially for specific areas, to earn more money.

Is Postmates Job Legit?

Yes, it’s 100% legit.

However, people can certainly have different experiences as a Postmates Fleet member.

After reading several reviews online from Postmates drivers, I’ve found that the most common complaint is about the pay.

Some drivers complete a few orders for just a few bucks, which they don’t see as worth their time (and I can’t blame them).

But that could be for a number of reasons, such as low order availability or lots of drivers competing for orders in that area during their work window.

Plenty of positive reviews negate the bad ones, though.

Many drivers compliment the flexibility that Postmates has, literally allowing you to work whenever you want.

Others like it simply because it’s easy. There is no boss monitoring you all day, and you get to make money while driving.

There’s a lot of good information that can help you come to the best decision for yourself about delivering with Postmates on Indeed.

Postmates Alternatives

Postmates may not be what you’d consider the right place for you – and that’s completely okay.

Especially because there are plenty of other similar delivery services on the market and one of them might be a better fit for you.

In an effort to be transparent, I want to list a few of those here, along with some information about how they compare to Postmates.

Grubhub

Grubhub is a bit different than Postmates in that it only offers food delivery.

Still, the service seems to keep delivery drivers busy, especially in busier areas with plenty of places that participate.

You can also set up your own schedule and accept tips, from which you keep 100%.

DoorDash

DoorDash is another delivery service to bridge the gap between customers and restaurants.

You can use the DoorDash app for live order tracking, scheduling, payments, and more.

You’ll also see exactly what you can get paid before you accept any order, which makes planning your deliveries and payments easy.

Instacart

Instacart is another food delivery service, but this one is focused on grocery shopping rather than delivering food from restaurants like DoorDash and Grubhub.

You can choose to just deliver items that a customer ordered or to become their full shopper and delivery driver to earn a little more.

You’re allowed to choose your own schedule you work with the Instacart app.

Roadie

Roadie is probably the most like Postmates, but it’s not quite as big as its competitor yet, which means you may not have as many deliveries for Roadie customers available in your area.

You can earn about $22 an hour when you set your schedule and accept delivery requests near you.

Shipt

Shipt is a grocery shopping and delivery service that contracts with people like you to get groceries for customers and deliver them.

Shoppers can earn about $22 an hour for Shipt and work any hours and days they want to.

Conclusion: Becoming a Part of the Postmates Fleet

If you’ve read all the details above and want to become a part of the Postmates Fleet, you can click on this link to sign up.

Follow all the steps to complete your application, authorize your background check, and receive your welcome kit in the mail.

Postmates can be an excellent choice for someone who wants a little extra money without picking up another job.

It’s also great for college students, working parents, and anyone else who wants flexibility in how they make money.

I’d love to hear your thoughts if you’ve driven for Postmates in the past or currently. How did it work out for you? Did the pay meet your expectations?

Be sure to leave a comment below to let me and other readers learn more about your experience.

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Remote, Paid Gig for Veterans with Acting Experience : workathome


People’s Television, Inc. is looking for U.S. Veterans in all 50 States to participate in COVID-safe, remote-video shoot during late September/early October for The Department of Veterans Affairs. For this PSA, Veterans will be filming close-up shots of their faces’ as they display a range of emotions, which represent the ups and downs of our inner lives. This is a paid opportunity. No travel required. To inquire, please complete this brief survey: https://forms.gle/aVPAwQXtrqZW5hxJ7. For questions, email casting@peoples.tv

How to Make $10 in an Hour Online


No matter what skills, passions, or knowledge you possess, earning $10 in an hour online is achievable and shouldn’t be too difficult. There’s no reason you can’t be making more, but if you’re looking to start a new side hustle, or want to earn a little extra cash during your child’s naptime or while you’re watching TV, this list is a great place to start. All you need is a computer and an attitude that you can do it! 

1. Short Tasks

Also known as micro jobs, or pay-per-task jobs, short tasks are the perfect way for moms to earn a little extra cash around the kiddos. What you’ll be paid per task or assignment varies. If you think you have what it takes to offer a service such as writing, editing, online research, or transcription, consider signing up on one of these 18 Short Task Sites for Making Money From Home.

2. Focus Groups

Did you know that you can make good money from home by giving your opinion on products and services? For a 15-20 minute online or phone survey, you can expect to earn $5-$20. Here are 15 places to get started making cash from focus groups. 

3. Freelancing

If you have some skills in writing, web design, video editing, or logo design (to name only a few in-demand services) or you’d like to build up your portfolio while you earn some money, freelancing gives you the freedom and flexibility to design your own packages and rates. As your experience grows, you can potentially charge a lot more than $10 per hour. You might want to consider freelancing on Fiverr, to begin with. 

4. Selling on Etsy

If you’re creative, artistic, or great at creating digital products (Canva is probably your best friend then!), why not make some money from your fun hobbies. Check out our post, How to Be Successful on Etsy, to learn the ins and outs of Etsy and how to get started with advice from a successful work-at-home woman. 

5. Online Tutoring

If you have a qualification or college degree and are interested in teaching school subjects, English, or another language, this could be the perfect fit. Pay will vary, so you may only expect to earn $10 per hour, particularly if you go it alone and use a platform like Upwork, but if you’re approved to work with companies such as Chegg Tutors, pay starts at $20 per hour. 

6. Virtual Assistant Work

Virtual assistants are highly skilled and perform a wide variety of tasks for small businesses, companies, or entrepreneurs who require administrative support. You can tailor your services depending on your professional background, skills, passions, or experience. Head over to our extensive guide here on common VA services and where to find jobs. A VA can make between $10 and $100 per hour depending on experience and the services offered. 

7. Teach a Skill

Can you play an instrument, cook, or do yoga? Is there something you do or know about that you could sell to others via coaching, courses, tutorials, or e-books? Sell your specialized skill or knowledge to the world by following these 10 easy ways to do it. There are so many ways to make extra money selling your expertise online today! 

8. Test Websites

Companies pay good money to have their websites tested by objective, third-party individuals. If their site isn’t user-friendly, then they lose money. All you need to get started is to be internet-savvy and speak fluent English. Tests take 5-25 minutes to complete and pay an average of $10 per test, meaning you could be making even more than $10 in an hour online from home.

Here are 18 Ways to Get Paid to Test Websites.  

9. Proofreading

Proofreaders are in high demand for online businesses. They require someone to edit, catch grammatical mistakes, and typos. You don’t necessarily need any formal training (but you could take this free course), so if this is something you think you’d be great at, this kind of work offers flexibility in terms of when and where you work. Learn where you can find proofreading jobs here. You could start your own freelancing business or work for a company like Gramlee, which pays between $12 and $20 per hour. 

10. Work-at-Home Jobs

Here are seven more ways to make $10 in an hour online, and you will find the details for each one over at this post, A Massive List of Work-at-Home Jobs for Reliable Income.

  • Virtual customer service representative 
  • Data entry 
  • Internet research 
  • Online juror
  • Social media 
  • Tech support 
  • Translator

Conclusion

Earning $10 in an hour online won’t make you rich in a hurry, but it all adds up if you’re looking to supplement your income and earn even an extra $100 a month to pay for Christmas presents, a vacation, or just your coffee habit. You could even combine a few of these job opportunities so that you’ll have a backup if one job dries up.

Please share how you plan to (or already do) earn $10 in an hour online—we’d love to hear from you! 

The Best Way to Save Money


There’s really only one way to save money. You have to spend less than you earn. For most people that means cutting back on lattes and going out less, but there are actually much better strategies for spending less than you earn. 

At IWT, we believe the best way to save money is by utilizing the CEO approach.

The CEO Approach: The Best Way to Save Money

Traditional advice about saving money only focuses on restricting. By looking at other ways to improve your finances, such as earning more and optimizing your spending, you open up a plethora of new avenues for saving more. 

That’s what makes the CEO approach the best way to save money. We’ll show you how to get started today.  

Money Saving Tip #1: Cut Costs

Most of us know what it means to cut costs. But cutting costs doesn’t have to mean giving up everything you love. 

The best way to save money is by focusing on cutting costs only on things you don’t really care about or don’t use. This way, the change is more likely to be permanent. The two best ways to save money by cutting costs are with the A La Carte method, or the envelope method.

The A La Carte Method

The A La Carte Method helps you save money on services for which you have a subscription, like:

  • Netflix
  • Gym memberships
  • Spotify
  • Amazon Prime
  • Magazines

There’s a good chance you’re WAY overpaying for these things.In fact, a conservative estimate shows that we spend over $1,800/year on subscriptions alone.

The convenience is undeniable — subscriptions are a fantastic way to automate our lives.

But when was the last time you scrutinized your monthly subscriptions and canceled one?

Probably never. Yet compare this to any time you went out shopping, saw something you liked, but didn’t buy it.

Read that again. It’s the key to cutting your spending on subscriptions. 

The basic idea of this system is to cancel all your discretionary subscriptions — magazines, Spotify, Netflix — and buy what you need a la carte.

  • Instead of paying a big monthly fee to companies like Netflix, buy or rent only the shows or movies you want to watch on Amazon or iTunes. Most episodes of T.V. shows are only $1.99. 
  • Buy a day pass for the gym each time you go (around $5 – $10).
  • Buy songs you want from Amazon or iTunes for $0.99 each.

This FORCES you to be conscious with your spending. By utilizing the same principles that make automating your finances great, you will have to actively think about each charge you make when it comes to buying a song or TV show.

If after a while, you find yourself spending enough money on these items to justify the subscription, by all means pick it up again. If not, then you’ve saved yourself some major cash.

Another great system for cutting costs? The envelope method. 

Ready to ditch debt, save money, and build real wealth? Download my FREE Ultimate Guide to Personal Finance.

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The Envelope Method

The envelope method works by putting cash for all your monthly expenses (e.g., gas, going out, shopping) into dedicated envelopes.

For example, you might have an envelope for “Restaurants,” so everytime you go out to eat you’ll take money from it to spend. Once you’ve used all the money in the envelope, you’re finished for the month!

This method is flexible in terms of being able to dip into other envelopes if there’s an emergency. However, there’ll be less money to spend for the month on that category of expenses.

You don’t need to use physical envelopes either. One of my friends who started tracking her spending a while back had a great system: She set up a separate bank account with a debit card.

Whatever system you decide to use, you just need to make sure to decide how much you’re willing to spend in each category (and that’s all up to you).

If you think this system will help you be more conscious about your spending, you can read more about it in this post on how to set up your envelope system

If you’re worried about your personal finances, I have a simple step-by-step system you can follow to put you at ease. Check out my Ultimate Guide to Personal Finance for tips you can implement TODAY.

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Money Saving Tip #2: Earn More (the BEST way to save money)

As Ramit always says, there’s a limit to how much you can cut, but there’s no limit to how much you can earn.

Before you roll your eyes and skip this step, it is ALWAYS possible to earn more. Even if there’s a recession, even if you’re broke, or busy, or don’t know where to start. 

According to Ramit, there are several ways to start earning more. You can ask for a raise at your current job, find a higher paying job, or start a business or pick up freelance work.

Ask for a Raise 

With just a five-minute conversation you can make thousands more and, what’s better, the gains add up year after year.

This is one of the best ways to make money through a single conversation. It’s essentially quick money that — unlike taking surveys or selling your body to medical studies — gives you a LOT of money over many years.

Check out this chart demonstrating the effects of ONE $5,000 raise:

How much negotiating a $5000 raise will get you over 40 years

Ramit wrote a huge, comprehensive post on how to negotiate your salary. It’s got a ton of information, and the steps are easy to follow. If you’re ready to start getting paid what you deserve, go check it out. 

BONUS: I also created a free guide with everything you need to start earning more at your current job. Download the Ultimate Guide to Getting a Raise and Boosting Your Salary to start earning more TODAY.

Find a higher paying job 

Should you change jobs? Change industries? How do you know whether to stay put or to take a risky move that may result in more money? 

Some jobs just don’t provide the opportunity to earn more or move up the ladder. If you want to start making more money, you may have to find a better job. If you find yourself in this situation, Ramit has a ton of great resources on finding a better job on YouTube.

Start with this video:

Writing a winning resume is the first step to finding a higher paying job.

(We also have an entire course dedicated to Finding Your Dream Job. To learn more, click here.)

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Start a business or start freelancing

Finding a new job or changing careers takes time. But in the next few days, you can set up your first side hustle. Once you get your first paying client, it’ll be easier to get more clients and make more money.

First thing: Many other websites will tell you to troll for freelance gigs on places like Fiverr or Mechanical Turk. These places work if you want to compete with people all over the world in a race to do the most work for less. No thanks.

Instead, look at what you’ve already got. 95% of jobs can translate into some sort of side gig. Ask yourself:

  • What do I enjoy?
  • What do I do with my free time?
  • What do people ask me to do because I’m so good at it?

Start off by assessing the skills you use every day at home or at work. Remember, people pay for solutions, not your skills. How can you take your skills and turn them into a solution for someone else’s problem? 

Here’s a very simple example:

Skill: You’re good at math 

Problem you can solve: With schools shut down in most states, many parents are struggling to help their kids with distance learning, and would happily pay for tutoring. 

Your New Side Hustle: Tutoring kids in math over Facetime or Zoom. 

Now imagine if by tutoring for a few hours a week, you suddenly had an extra 500 hundred dollars a month. 

That money can go straight to savings without reducing any of your spending. And this is just one small scale example, it can work for virtually any skill.  That’s why earning more is one of the best ways to save money. 

If you want to turn your skill into extra cash, check out this post with everything you need to know about starting a side gig

Making more money is easier than you think. Download my FREE Ultimate Guide to Making Money to get started today.

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Money Saving Tip #3: Optimize your spending

A lot of people don’t know that they can save thousands of dollars in one day with just a few phone calls. You can call up a company you spend money with, and ask them to waive fees or interest charges, or lower your rates. 

And yes, these companies will be willing to offer you a discount. You have to understand that these companies spent a lot of money to acquire you as a customer, so they don’t want to lose you (especially in the current circumstances). 

Many companies are also thinking long term. If they can retain you as a customer (even if you’re not spending as much right now), over time they can get you to spend more in the future.

You have a lot of power as a renter, tenant, and customer, and you should use that leverage.

Below is a video on how you can save $1,000 with just 5 phone calls. This is what we mean when we say, “only make the changes that have the biggest impact”. 

Instead of saving $3 by not buying a latte, you can negotiate your bills and save $1,000 while still buying all the lattes you want. That’s why using the CEO approach is the best way to save money. 

Don’t be intimidated by negotiating, even if you’ve never done it before. Here are some of the messages Ramit has received from students who used these exact techniques to save money.

By using all the tactics outlined in this post, this could be you in just a few hours. 

Remember, the best way to save money is by cutting costs on things you don’t need, earning more by improving your salary or starting a side hustle, and optimizing your spending through negotiation. 

It sounds like a lot, but it’s really just three steps to save more money without giving up everything you love. 

If you use this strategy and it works for you, feel free to send your story to @ramit on Instagram. We love hearing from you.

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to start making extra money — in as little as an hour.

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Am I Too Old to Go Back to School at 60?



Dear Penny,

I’m a 60-year-old single woman with no children and, thankfully, no debt. I worked in nonprofit mental health care for my entire career; it paid enough to live on but not enough to save much. 

I stopped working eight years ago when my mother’s Alzheimer’s disease advanced to the point that she could no longer be left alone safely. We lived on her income, which of course stopped the day she died last fall. 

I am fortunate. She left a substantial life insurance policy. I’m using that to buy and renovate a school bus to live in, as I can no longer afford rent, and also to live in while I go back to community college to train for a new career as a sonographer. 

Returning to my old career isn’t realistic; it would take years and far more money than I have to update my coursework and retake the licensing exams. 

Two questions: Am I insane for doing what I am doing? I get a good deal of criticism from people who tell me I am too old to be going back to school, and especially from those who are annoyed with my choice to rent-proof myself by building a skoolie. I say knowing I will have a roof over my head that I own outright is peace of mind.

-C.

Dear C.,

When someone tells you you’re making a terrible mistake, a lot of times what they really mean is, “That’s not what I’d choose for my life.”

Being on the receiving end of this feedback is so not helpful. You’re on the cusp of big life decisions. You need a sounding board, not a judge. 

Plenty of perfectly sane people are happily living out of converted school buses. That doesn’t mean they’re making a terrible mistake, though I’d put that in my “not what I’d choose for my life” file.

And obviously, you’re not insane to invest in your education at 60. But you don’t have as many working years ahead to recoup your investment as you did a couple decades ago. 

It feels to me like you’re looking at life as a test with only two choices.

As in, A, you can get a job by enrolling in sonography courses while living in a school bus. 

Or B, do neither, which means never working again and risking the roof over your head.

But I think you have a lot more options. My big question for you on pursuing both sonography courses and school bus living is: What are you trying to accomplish? 

If you’ve wanted to become a sonographer for a long time, I’m more inclined to tell you to go for it. But if you’re looking just to bring in income and build a small nest egg, I’d suggest considering alternatives.

Returning to your old career in mental health care may not be viable, but that doesn’t mean the skills you acquired in the field are obsolete. Perhaps you could find a job in a supporting role that would use your expertise without requiring you to go back to school.

Also, consider that even though you haven’t been formally employed or earned a paycheck over the last eight years, you’ve most certainly worked. Could you use your experience to become a paid caregiver? Another option may be child care, as millions of families are struggling to deal with school reopenings in the coronavirus era.

As for the skoolie, you cite the cost of rent and your desire for peace of mind in making this purchase. Do you dream about making a school bus your home? Or do you simply want affordable housing?

Think beyond what you’ll pay to buy and renovate one. School buses are also expensive to insure and have a lot of maintenance costs. This isn’t a one-and-done expense. Zoning laws can also make it difficult to find a place to park them long term. Does a roof over your head buy you confidence if you don’t have land to park it on?

Renting or even buying a small condo or mobile home may be more affordable and stable in the long run. Don’t make this decision because you think you can put down a lump sum and “rent-proof” yourself.

Ultimately, only you can make these decisions.

You’ve spent the last eight years as a caregiver. You no doubt put your own needs in the backseat during that time.

Now it’s time to prioritize yourself. The first step in doing so is to figure out what you actually want.

Robin Hartill is a certified financial planner and a senior editor at The Penny Hoarder. Send your tricky money questions to [email protected]

3 Questions You Should Ask Yourself before You Start Looking for a Loan for Your Small Business


There is a time in a business’s lifespan when you’ll have to start looking at financing options. This might be to cover for some unexpected event, or maybe you’re starting to eye a second location. Some business owners might want to start expanding their product line, or invest in marketing.

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Too many people, however, don’t have a clear idea of how much they really need, or if they actually need financing in the first place. There are also cases where the debt could actually sink you. This is why it’s important that you give it some strong thought before you make a decision.

What’s My Business and Personal Credit Score?

First of all, you have to know that both your business and personal credit score could have an effect on your application. This is especially true if you haven’t had the time to establish a strong business history. You can get one free copy per year of your credit report from all the major credit reporting agencies: TransUnion, Experian, and Equifax. You can get your business credit score from Dun & Bradstreet, Experian Business and Equifax Business, but you’ll have to pay.

What Are My Options?

Now that you have a better idea of your credit situation, you can start looking at what you can actually get. You should also check if you have any assets that you can give up as collateral.

If you have bad credit and you want to go with a traditional financial institution, chances are you won’t be able to get anywhere without collateral, and you might still get rejected. Not to mention that the process might be grueling and lengthy.

If you have bad credit, you’ll probably have no choice but to go with alternative lenders. You have lenders like AdvancedPoint that will look at various other indicators of your business’s health to tell if you could be eligible. They might pay more attention to cash flow and reserves over credit history, for instance.

Whatever you do, however, make sure that you only apply for financing if you think you have a chance. If you’re uncertain, only use services that will perform a soft inquiry first to see if you could realistically get a loan. This will prevent inquiries on your credit report, which can affect your credit negatively.

Do You Actually Need a Loan?

This is the last, yet probably most important question that you can ask. The reason for your loan will make a major difference on whether you’re accepted or not, and you should take a loan for superficial or unproductive reasons. You don’t need a loan to make cosmetic changes to your office space; however, someone may be more inclined to give you a loan if you want to expand your service offerings, or pay for ads.

So, before you even start looking for a loan, you have to answer all of these questions. Once you have a clear answer, you can start shopping and look for the best options for you.

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