money from home http://www.wisebread.com/taxonomy/term/558/all en-US 10 Small Businesses That Are Free or Cost Little to Start Up http://www.wisebread.com/10-small-businesses-that-are-free-or-cost-little-to-start-up <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-small-businesses-that-are-free-or-cost-little-to-start-up" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/1319595286_0d37d2f4c2.jpg" alt="Calculator" title="Calculator" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Tough economic times call for drastic measures. With unemployment rates reaching an all-time high, job security is a concern for even the most seasoned worker. Rather than face an untimely layoff, why not join millions of savvy entrepreneurs and start a business of your own? For little to no start-up costs, you, too, can be your own boss and have the option of working in your pajamas! Here's how someone with no capital can create their own schedule and run a successful business venture in their living room. Here are 10 businesses you can start with little to no money today.</p> <h2>1. Freelance writing</h2> <p>Websites like <a href="http://www.textbroker.com/">Textbroker</a>, <a href="http://www.demandstudios.com/">Demand Studios</a>, <a href="http://www.qualitygal.com/">Quality Gal</a>, <a href="http://www.mahalo.com/">Mahalo</a>, and <a href="http://www.edubook.com/">EduBook</a> pay a nominal fee for the articles that you write. Free to join, you can earn anywhere from $1 to $15 for the content that you produce for these sites. Working as an independent contractor, it is your responsibility to complete and submit a W9 form for each business that you write for. If you are really ambitious and feel like you can command a higher wage, check out <a href="http://www.craigslist.com/">Craigslist</a>, <a href="http://www.indeed.com/">Indeed.com</a>, and <a href="http://www.ed2010.com/">Ed2010</a> for better paying gigs.</p> <p><em>Advice to Live By:</em> &quot;Keep a copy of all of your published articles in a digital portfolio that you can email to potential clients.&quot;</p> <h2>2. Stock photography</h2> <p>Share your love for taking pictures by making them available to a larger market. A number of websites pay for stock photography. A few of the most popular include <a href="http://www.bigstockphoto.com/forphotographer.html">BigStockPhoto</a>, <a href="http://www.fotolia.com/Info/Contributors">Fotolia</a>,<a href="http://www.istockphoto.com/sell-stock-photos.php"> iStockPhoto</a>, and <a href="http://submit.shutterstock.com/">ShutterStock</a>. For those of you who want to make more money off your photography, check out <a href="http://www.constant-content.com/">ConstantContent</a> and set your own prices.</p> <p><em>Advice to Live By:</em> &quot;Make sure to watermark your photos before posting them online to share with friends and family members. Dishonest people will use your photography without permission if you don't take the time to do this simple act right away.&quot;</p> <h2>3. Web and graphic design</h2> <p>If you create web pages or know a thing or two about graphic design, you will find more work than you can handle on the internet. Individuals and corporations need designers like you to drive business to their websites. Put your skills to use and start looking for gigs on <a href="http://www.getafreelancer.com/">GetaFreelancer</a>, <a href="https://www.upwork.com/">Upwork</a>, and <a href="http://www.scriptlance.com/">ScriptLance</a>.</p> <p><em>Advice to Live By:</em> &quot;Do not cheapen the quality of your services by bidding too low on a project. Ask a fair price and forget about the gigs that are not willing to pay you what you're worth.&quot;</p> <h2>4. Artwork or handcrafted items</h2> <p>Websites like <a href="http://www.etsy.com/">ETSY</a>, <a href="http://www.artbreak.com/">Artbreak</a>, and <a href="http://www.boundlessgallery.com/">BoundlessGallery</a> provide creative types with an outlet to sell their handmade stationery, bedazzled clothing, and altered art. Frequenting craft fairs and art shows can also give you an advantage over your competitors. <a href="http://www.eventlister.com/">Eventlister</a> is a service that lists upcoming events in your area. Registration is required to access full listings on the site but only takes a few minutes to complete and there are numerous ways to earn free membership by referring friends, updating listings, and sending in applications for events.</p> <p><em>Advice to Live By:</em> &quot;In addition to the cost of materials, add in labor to the price of your artwork and handmade wares.&quot;</p> <h2>5. Tutoring</h2> <p>Are you good at Math? A born leader with a knack for instructing others? If you possess a certain level of expertise in a subject, by all means, share it with struggling students! Parents and college kids will pay good money for a patient, dedicated tutor. A number of websites help match candidates with paid work. A few of the more reputable ones are <a href="http://www.wyzant.com/">WyzAnt</a>, <a href="http://www.kaplan.com/">Kaplan</a>, <a href="http://www.esylvan-online-learning-centers.com/">eSylvan</a>, <a href="http://www.growingstars.com/">GrowingStars</a>, and <a href="http://www.brainfuse.com/">Brainfuse</a>.</p> <p><em>Advice to Live By:</em> &quot;The more websites you sign up for, the greater your chances of tutoring full-time. If paying a percentage of your wages to a third party doesn't appeal to you, print out business cards and rely on word-of-mouth advertising to launch your business.&quot;</p> <h2>6. Caretaking</h2> <p><a href="http://www.caretaker.org/">The Caretaker Gazette</a> is a valuable resource to have on hand for anyone interested in housesitting. Containing information and caretaker listings in the 50 states as well as Canada and Mexico, the bi-monthly publication costs $29.95. In addition to taking care of properties nationwide, people can use <a href="http://www.sittercity.com/">SitterCity</a> or <a href="http://www.care.com/">Care.com</a> which are free services that matches up babysitters, elderly companions, and pet sitters with clients in a number of locations.</p> <p><em>Advice to Live By:</em> &quot;Do not give out contact information to a person until after you have done some research on them. A criminal background check on a client is a small price to pay in terms of your safety.&quot;</p> <h2>7. Mystery shopping</h2> <p>Do you love to shop and have a keen eye for detail? Companies from around the world are looking for people just like you to evaluate the level of customer service that you receive when visiting their stores or places of business. An easy way to make money, mystery shopping offers more than just a steady paycheck. Some companies have been known to foot the bill at extravagant restaurants and on luxury cruises. Others will pay top dollar for you to test drive a car or reimburse you for the purchases that you make. Sign up today with <a href="http://www.jancyn.com/">Jancyn</a>, <a href="http://www.strategicreflections.com/">Strategic Reflections</a>, <a href="http://www.shopperjobs.com/">Shoppers Inc</a>, and <a href="http://www.mysteryshops.com/">Corporate Research International</a>.</p> <p><em>Advice to Live By:</em> &quot;Do not expect to get rich by secret shopping one location. The key to success is to register with multiple shopping companies and to check your email frequently.&quot;</p> <h2>8. Online teaching</h2> <p><a href="http://www.universalclass.com/teachonline/index.htm">UniversalClass</a>, <a href="http://craftedonline.com/">Craft Ed Online</a>, and <a href="http://www.teachstreet.com/">TeachStreet</a> are a few of the places where your knowledge can be put to the test. All three websites are looking for teachers from all backgrounds to instruct students on a variety of subjects. From personalized guitar lessons to test preparation and bellydancing, men and women can build their businesses by setting up a profile and registering as a teacher on these sites.</p> <p><em>Advice to Live By:</em> &quot;Avoid paying astronomical fees to list your services on websites. Opt instead to choose places that allow you to post ads for free.&quot;</p> <h2>9. Virtual assistant</h2> <p>Type away while sitting in the comfort of your home office. Companies like <a href="http://www.capitaltyping.com/">Capital Typing</a> and <a href="http://www.virtualassistantjobs.com/jobs.html">Virtual Office Temps</a> make it easier for you to find legitimate work-from-home opportunities. Searching sites like <a href="http://www.careerbuilder.com/">CareerBuilder</a> and <a href="http://www.indeed.com/">Indeed</a> on a regular basis will also help you locate individuals and corporations needing your assistance.</p> <p><em>Advice to Live By:</em> &quot;Set up shop in a quiet part of your home that is free from noise and distractions. Invest in a good headset and pick a home phone plan with unlimited long distance calls.&quot;</p> <h2>10. Product demonstrations</h2> <p>Remember those people you see handing out samples at the supermarket? Why not become one of them? The pay is good and your only expense is a folding card table that you can be taken with you to other gigs. <a href="http://www.southernexposure.us/JobOps.html">Southern Exposure Marketing</a> and <a href="http://www.studio1castingservice.com/">Studio 1 Casting Service</a> provide opportunities to demo at tradeshows, mass merchant retailers, and supermarkets.</p> <p><em>Advice to Live By:</em><b> </b>&quot;Wear a comfortable pair of shoes because you will be standing on your feet the whole time that you are working.&quot;</p> <h2><strong>The Knowledge to Succeed</strong></h2> <p>Before you travel down the road to sole proprietorship or independent contracting, you may want to do some research. Being well-informed can prevent stress and keep your business running strong for years. In fact, it is important to do the following things before putting any time, money, or energy into an endeavor.</p> <h3>1. Assess your skills.</h3> <p>What are you good at? Do people tell you that you make a mean apple pie or compliment your handmade jewelry? Have you been paid to write cover letters and resumes for friends? Are you the first person to receive a call when a family member's car breaks down? Although insignificant to you, these types of skills have the potential of making you big bucks.</p> <h3>2. Look for a niche or untapped market.</h3> <p>If you have a great idea and no one else in town is doing it, by all means, develop your idea. The first doggie bakery in your city can prove to be more than just a novelty. This is especially true in small towns where traveling to another city to purchase hard-to-find goods can be stressful.</p> <h3>3. Know your competitors.</h3> <p>Before putting your blood, sweat, and tears into a business, learn more about your competition. Who else offers personal training sessions with a twist? How much do they charge and who does their advertising? Where are they located at? Did you get a good first impression upon meeting them or calling them on the phone? The more you know, the better the chance your business will grow.</p> <h3>4. Freelance.</h3> <p>Don't wait for customers to come to you. Find a way to network and get your name out there. A significant amount of time freelancing is spent finding new clients. Send an email introducing yourself and highlight the services that you provide. Include a way for people to get into contact with you and a sampling of your rates.</p> <h3>5. Do-It-Yourself.</h3> <p>Cut out the middle man by doing as much of the grunt work as humanly possible yourself. Low overhead costs mean more profit for your business.</p> <h3>6. Make Social Media work for you.</h3> <p>Digg, Tweet, and post on Facebook and MySpace regularly. Talk up your business as much as possible. Create a blog or website and refer people to it. Ask them to pass on the news, as well.</p> <h3>7. Negotiate a price.</h3> <p>Set a price according to your expertise, the money that you need to survive each month, and the competition. Raise and lower your prices as times change. Don't be afraid to ask for more money as customer demands grow in size or number.</p> <p>Through trial and error, you can build a small business from scratch simply by taking advantage of the resources that are made available to you. 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<w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 1" /> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision" /> <w:LsdException Locked="false" Priority="0" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="List Paragraph" /> <w:LsdException Locked="false" Priority="29" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Quote" /> <w:LsdException Locked="false" Priority="30" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Quote" /> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 1" /> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1" /> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1" /> <w:LsdException Locked="false" Priority="69" SemiHidden="false" 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SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 3" /> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3" /> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3" /> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3" /> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 3" /> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 3" /> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 3" /> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 3" /> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 4" /> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 4" /> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 4" /> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4" /> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4" /> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 4" /> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 4" /> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4" /> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4" /> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4" /> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 4" /> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 4" /> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 4" /> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 4" /> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 5" /> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 5" /> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 5" /> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5" /> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5" /> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 5" /> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 5" /> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5" /> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5" /> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5" /> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 5" /> <w:LsdException Locked="false" Priority="71" SemiHidden="false" 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Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis" /> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis" /> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference" /> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference" /> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title" /> <w:LsdException Locked="false" Priority="37" Name="Bibliography" /> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading" /> </w:LatentStyles> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> <w:LsdException 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Locked="false" Priority="39" Name="toc 3" /> <w:LsdException Locked="false" Priority="39" Name="toc 4" /> <w:LsdException Locked="false" Priority="39" Name="toc 5" /> <w:LsdException Locked="false" Priority="39" Name="toc 6" /> <w:LsdException Locked="false" Priority="39" Name="toc 7" /> <w:LsdException Locked="false" Priority="39" Name="toc 8" /> <w:LsdException Locked="false" Priority="39" Name="toc 9" /> <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption" /> <w:LsdException Locked="false" Priority="10" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Title" /> <w:LsdException Locked="false" Priority="0" Name="Default Paragraph Font" /> <w:LsdException Locked="false" Priority="11" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtitle" /> <w:LsdException Locked="false" Priority="0" Name="Hyperlink" /> <w:LsdException Locked="false" Priority="22" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Strong" /> 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UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis" /> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference" /> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference" /> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title" /> <w:LsdException Locked="false" Priority="37" Name="Bibliography" /> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading" /> </w:LatentStyles> </xml><![endif]--><style type="text/css"> <!--{12542764059265}-This isThis</style><p> This is a guest post by Charissa Arsaoui, a freelance writer with a love for arts and thrift-related topics. </p> </style></p> <ul> <li><a href="http://www.buzzine.com/2009/04/ultimate-hendrix/">Ultimate Hendrix</a></li> <li><a href="http://www.studentstuff.com/2009/08/31/confessions-of-a-global-nomad-how-one-woman%e2%80%99s-love-for-travel-became-her-profession/">How One Woman's Love for Travel Became Her Profession</a></li> <li><a href="http://chickspeak.com/blog/2009/05/09/college-perks-smart-chicks-cant-miss/">College Perks Smart Chicks Can't Miss</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/charissa-arsaoui">Charissa Arsaoui</a> of <a href="http://www.wisebread.com/10-small-businesses-that-are-free-or-cost-little-to-start-up">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get a Business Credit Card Over a Consumer Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well">11 Freelance Jobs That Pay Surprisingly Well</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/create-a-business-plan-by-answering-4-simple-questions">Create a Business Plan by Answering 4 Simple Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship money from home Wed, 30 Sep 2009 12:53:24 +0000 Charissa Arsaoui 3658 at http://www.wisebread.com Get your money for nothing, your checks for free. http://www.wisebread.com/get-your-money-for-nothing-your-checks-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-your-money-for-nothing-your-checks-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000040930446_XXXLarge.jpg" alt="thumbs up money" title="thumbs up money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There, that dates me. Big Dire Straits fan here. But in the case of this article, and my subject of choice, it's completely true. You'll see and hear an awful lot about online surveys. You'll find outrageous claims, too. Let me assure you, right now, that taking a survey here and there is not going to let you quit your day job &mdash; or any other job. This is not a way to make a fortune. This is not a path to riches paved with gold. Let's face it, if everyone could sit at home doing surveys all day, everyone would be doing it.</p> <!--break--><!--break--><p>But as a way to make a little extra spending money, checking a few boxes when you're already online is not a bad way to do it. And it doesn't take a whole bunch of your time. In the past month I've earned over $100 in cash and rewards, all for a simple opinion here and there. So, let me give you my recommendations and also some advice on what to avoid.</p> <h2>1. Never Pay to Take a Survey</h2> <p class="MsoNormal">That also means never join a website that asks for a sign-up fee in order to take surveys. Legitimate survey companies pay you for your time, not the other way around. So if anyone is asking for cash upfront, either as a one-off or a monthly fee, run away.</p> <h2>2. Is It Worth Your Time?</h2> <p class="MsoNormal">Simple question but one worth figuring out. Some surveys offer some pretty nice incentives. I've had as much as $60 for just 40 minutes of my time. Not so bad. Other surveys take as little as five to 10 minutes, but only offer $1 in either cash or reward points as payment. Not so good. Then again, if you're just buzzing around the net looking for something to do, $1 here and there soon adds up over time. Surveys are generally a take-them-or-leave-them affair, so pick and choose based on your personal situation.</p> <h2>3. Don't Expect Cold, Hard Cash</h2> <p class="MsoNormal">It's a rare occasion when companies dish out the green willy-nilly. These days, a lot of survey sites offer online points to exchange for magazine subscriptions, money-off vouchers and other goods. It's not quite cash but it often works out well for your wallet. One site I enjoy offers free movie rental vouchers. It's been a long time since I've paid for a movie rental.</p> <h2>4. Fill Out the Extended Profiles</h2> <p class="MsoNormal">The more the survey sites know about you and your hobbies, the more surveys you'll get to take. Simple as that.</p> <h2>5. An Invitation to a Survey May Not Lead to Payment</h2> <p class="MsoNormal">After signing up to a survey site, you may get many offers in a week. But a set of pre-screening questions can rule you out of the paid section of the survey. You may find ways to get around this, basically by fibbing in order to move on (it's often easy to see where the survey is leading and play along in order to get the payment). I'd avoid this for several reasons. First, it's dishonest. But if that doesn't bother you, the endless boredom that ensues by filling out surveys on hi-tech computer servers or company insurance policies will soon put you off for life. Be honest, surveys should be a fun way to spend your time.</p> <h2>6. Your Spare Time Means Just That</h2> <p class="MsoNormal">It's fine to do surveys on your lunch hour or at home. But if you start taking surveys while you're at work, you're not only stealing time from your employer, but also jeopardizing your paying job. And if you lose that, no amount of surveys will make up for that lost income.</p> <h2>7. The Big Question &mdash; Where Do You Start?</h2> <p class="MsoNormal">I can heartily recommend THREE sites to start the ball rolling for you. They are:</p> <p class="MsoNormal"><a href="http://www.greenfieldonline.com/TrafficUI/mscui/page.aspx?cid=1&amp;ptid=4&amp;utcoffset=7">Toluna</a>&nbsp;&mdash; Great site, pays you back in cash and the surveys are a nice mixed bag.<br /> <a href="https://www.surveysavvy.com/ss/ss_index.php?action=home">Survey Savvy </a>&mdash; Again, a great site that pays you in cash for your opinions.<br /> <a href="http://www.e-rewards.com/welcome.do?ln=en&amp;cc=us">e-Rewards</a> &mdash; This one pays you back in reward points which can be exchanged for goods and vouchers. I love it.</p> <p class="MsoNormal">So, there you go. A surveys 101 for you all. I hope it gets you on the path to money for nothing, and that's something we could all use.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/get-your-money-for-nothing-your-checks-for-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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