work from home http://www.wisebread.com/taxonomy/term/7032/all en-US 4 Creative Remote Jobs That Can Supplement Your Retirement Income http://www.wisebread.com/4-creative-remote-jobs-that-can-supplement-your-retirement-income <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-creative-remote-jobs-that-can-supplement-your-retirement-income" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/senior_woman_using_her_laptop_outside_house.jpg" alt="Senior woman using her laptop outside house" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For some, retirement is a welcome chance to quit working forever, but for others it can mark the beginning of a new and exciting venture. It could be out of necessity to supplement a smaller retirement income, or a desire to keep yourself busy with a foot in the working world.</p> <p>Either way, earning money in retirement is an option that plenty of people take, and thanks to the internet, there are jobs that can be done from anywhere in the world. This is especially true for people who have a creative streak. If you're on the lookout for a way to pull in a few dollars using your word or design skills, without stepping foot in an office, here are four remote jobs that can bring in some extra cash.</p> <h2>Blogging</h2> <p>If you plan to travel more in retirement, then travel blogging could be a great option for you. Or if you have some other hobby you&rsquo;re passionate about, that could be your blog topic. For people who are articulate, skilled at photography, and enjoy sharing information about their passion, blogging can be a creative and fun way to earn some extra dollars. Bloggers earn money in a variety of ways, and though it's by no means a quick path to plentiful riches, you can start to build an income within months. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging?ref=seealso" target="_blank">5 Easy Ways to Make Extra Money Blogging</a>)</p> <p>It takes minutes to set up a blog, and once you have the basics in place, you can begin creating your very own online kingdom. Start out with your friends and family and ask them to share your content with their friends and family to give your blog a boost.</p> <p>The top bloggers on the internet earn six-figure salaries, though clearly not everyone will reach this level. It's not unrealistic to be able to rake in a few hundred dollars per month once your site is established.</p> <h2>Editing</h2> <p>Virtually any written text has the potential to require editing, and these days it's far more likely to be done online than with a pen and paper. If you're a stickler for grammar, efficient at fact checking, and can quickly and accurately knock a piece of text into shape, then you could try your hand at editing. To become a good editor, you should be able to provide objective and useful feedback to help writers improve their work, without being condescending or unnecessarily critical.</p> <p>There are many places to find editing work online, which will vary depending on the type of content you're working on. Online job marketplaces such as <a href="https://www.upwork.com/" target="_blank">Upwork</a> and <a href="https://www.freelancer.com/" target="_blank">Freelancer</a> are good places to start, and allow you to search for and submit proposals for jobs that appeal to you. There are also sites commonly referred to as &quot;content mills&quot; that might not offer high-paying projects, but can be relatively easy to get regular work from as a beginner. Sites such as <a href="http://community.copypress.com/writer-and-editor-training/" target="_blank">CopyPress</a>, allow you to go through their training program and earn a certification with them for copy editing, which you can then use to get jobs through the site.</p> <h2>Freelance writing</h2> <p>If you have a way with words and love to share your experiences, freelance writing can provide a great way to supplement your income. There are countless forms of freelance writing, from copywriting to technical writing, so the first step is to find one that suits you. This is different from blogging, in that you'll be writing for other publications, and some assignments may be in print, as opposed to exclusively writing for the web (though there are still endless opportunities to find work creating digital content). It's best to start off with an existing area of expertise that you possess, or something you're passionate about, and then you can expand your repertoire from there.</p> <p>Many online publications have sections that detail how to make submissions directly to them, as well as information on exactly what they are looking for and how they want it presented. As with freelance writing, online job sites are often a good place to start your search. If you have publications in mind that you'd like to write for, then you can also approach them directly with a pitch.</p> <p>Earnings vary wildly for freelance writing, and you may be paid per word, per article, or sometimes per hour. Your skill level and the client will determine what you can bill. But in my experience, you can expect to earn anything from a couple of cents per word, up to a few hundred dollars per article. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso" target="_blank">22 websites That Will Pay You to Write for Them</a>)</p> <h2>Designing websites</h2> <p>I recently met a retired woman from the U.S. who had been working her way around South and Central America for over seven years. She told me that though her retirement income was enough to support a basic lifestyle, she liked to supplement it by doing extra work along the way. Her part-time hustle was designing websites, a skill she'd taught herself in her free time when she retired.</p> <p>Whenever she turned up in a new location, she would head out to the local hotels to canvas for work designing or redesigning their sites. Over the time she'd been traveling, she'd built up a good portfolio and found it quite easy to pick up new clients.</p> <p>Because it's all done online, you can find plenty of web design work that can be done remotely. Web designers can earn up to around $100 per hour, though the average stands at about $59 and it could be $40 at the lower end.</p> <p><span id="1512148244745S" style="display: none;">&nbsp;</span><span id="1512148245408E" style="display: none;">&nbsp;</span>Most websites, particularly for physical businesses, are small and uncomplicated, so even with lower end web design skills, it's possible to create great sites that clients will be happy with. If this is an area you have expertise in, then you can also branch out into bigger projects, but it is still possible to be self-taught and find work.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F4-creative-remote-jobs-that-can-supplement-your-retirement-income&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F4%2520Creative%2520Remote%2520Jobs%2520That%2520Can%2520Supplement%2520Your%2520Retirement%2520Income.jpg&amp;description=4%20Creative%20Remote%20Jobs%20That%20Can%20Supplement%20Your%20Retirement%20Income"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/4%20Creative%20Remote%20Jobs%20That%20Can%20Supplement%20Your%20Retirement%20Income.jpg" alt="4 Creative Remote Jobs That Can Supplement Your Retirement Income" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/4-creative-remote-jobs-that-can-supplement-your-retirement-income">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-7"> <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/7-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</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/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</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-ways-to-make-money-on-thanksgiving">11 Ways to Make Money on Thanksgiving</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/15-ways-to-make-money-on-halloween">15 Ways to Make Money on Halloween</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/how-to-make-money-by-creating-youtube-videos">How to Make Money by Creating YouTube Videos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Retirement extra cash part-time job remote jobs retirement retirement income side gig side hustle work from home working during retirement Mon, 04 Dec 2017 09:30:06 +0000 Nick Wharton 2065224 at http://www.wisebread.com 8 Life Lessons I’ve Learned from Self-Employment http://www.wisebread.com/8-life-lessons-i-ve-learned-from-self-employment <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-life-lessons-i-ve-learned-from-self-employment" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_at_cafe.jpg" alt="Woman working at cafe" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In 2011, I started a side hustle that would ultimately lead to self-employment. I didn&rsquo;t know at the time that I would become my own boss one day. But you know how life can be; sometimes the stars align and you end up doing <em>exactly</em> what you were meant to be doing all along.</p> <p>And it didn&rsquo;t take me long to figure out I was, in fact, in the ideal career for my personality and talents. So, after a successful year of part-time work, I quit my steady professional job in 2012 to begin a career as a blogger and online content creator.</p> <p>Since those early days, my husband has come home to work with me, our profits have grown, and our business dealings (and taxes) have become a lot more complex. Where I was once a novice at all things self-employment, I feel like I <em>finally </em>know what I&rsquo;m doing.</p> <p>Of course, most of our biggest lessons were learned the hard way &mdash; by messing things up and figuring out how to fix them. I also learned a ton about what <em>not </em>to do just by realizing my own mistakes.</p> <p>Here are some of the lessons I&rsquo;ve learned about self-employment, and why I don&rsquo;t think I could ever go back to my old life. (See also: <a href="http://www.wisebread.com/6-moves-every-first-year-freelancer-should-make?ref=seealso" target="_blank">6 Moves Every First Year Freelancer Should Make</a>)</p> <h2>1. With self-employment, you reap what you sow</h2> <p>At my old office job, there were days when I would sit and stare at the clock for hours, counting down to 5 p.m. so I could leave. Even when there wasn&rsquo;t enough work to fill my day, I still got paid for being there.</p> <p>But self-employment is an entirely different animal. When you work for yourself, slacking off means taking money from your own pocket. When you run out the clock or don&rsquo;t do your best, you&rsquo;re only hurting yourself. You don&rsquo;t get paid for showing up (not to mention vacations and sick days!), nor will you automatically get a salary bump each year or be in line for a promotion. You have to reach for your potential on your own &mdash; grow your skills, raise your rate, and land your clients.</p> <p>Once I became self-employed, I realized that <em>I </em>was the one in charge of my own destiny. If I wanted full-time results, I had to put in everything I had. So that&rsquo;s exactly what I&rsquo;ve learned to do. (See also: <a href="http://www.wisebread.com/day-job-or-freelance-which-is-right-for-you?ref=seealso" target="_blank">Day Job or Freelance: Which Is Right for You?</a>)</p> <h2>2. You can&rsquo;t avoid taxes, so you might as well plan for them</h2> <p>Paying taxes as an employee isn&rsquo;t that painful. Although you can see how much is withheld from each paycheck you receive, the money is gone before you really see it. And as long as you set your withholdings up the right way, you shouldn&rsquo;t owe too much money come April 15.</p> <p>But self-employment taxes can really hurt, and they start hurting even more as your income grows. Since you don&rsquo;t have money withheld from your paycheck, you have to make a payment each quarter for <a href="http://www.wisebread.com/avoid-irs-penalties-with-this-simple-estimated-payment-strategy?ref=internal" target="_blank">estimated taxes</a>.</p> <p>I hate writing those checks every three months, but it&rsquo;s a lot easier to handle when you have the money already set aside. Over time, I&rsquo;ve learned to set aside around 30 percent of my income as I earn it so I&rsquo;m ready to pay my tax bill when the time comes. (See also: <a href="http://www.wisebread.com/how-to-budget-consistently-without-a-steady-paycheck?ref=seealso" target="_blank">How to Budget Consistently Without a Steady Paycheck</a>)</p> <h2>3. Living below your means is the best way to deal with an unpredictable income</h2> <p>While we always earn more than enough money to pay our bills each month, our monthly income often fluctuates by thousands of dollars. This is an inevitable part of self-employment, but it&rsquo;s one I&rsquo;ve gotten used to.</p> <p>Since I hate owing money or feeling like I don&rsquo;t have enough, I decided early on in self-employment that I wanted to keep our bills as low as possible. As a result, we live well below our means. We don&rsquo;t have any credit card debt, we don&rsquo;t have any expensive hobbies or toys, and our house payment is less than 10 percent of our gross income. Even though we could afford to live a little more lavishly, I&rsquo;ve found the peace of mind that comes with living below our means is well worth it. (See also: <a href="http://www.wisebread.com/6-moves-every-first-year-freelancer-should-make?ref=seealso" target="_blank">6 Moves Every First Year Freelancer Should Make</a>)</p> <h2>4. When it comes to health care, you&rsquo;re on your own</h2> <p>One of the biggest drawbacks of self-employment is the fact you don&rsquo;t have any benefits unless you buy them. This means buying your own health insurance plan, purchasing your own life insurance, and paying all your dental bills out-of-pocket. (See also: <a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs?ref=seealso" target="_blank">How the Self Employed Can Cut Health Care Costs</a>)</p> <p>While health care has always been a struggle, we are finally at a place where we&rsquo;re happy with what we have. We have tried a few different plans over the years, but we ultimately ended up in a health care sharing ministry called Liberty Healthshare after the Affordable Care Act was passed.</p> <p>In terms of dental care, our local dentist offers a $799 per year for a family plan that includes two cleanings with X-rays for all of us plus a 20 percent discount on dental work.</p> <p>None of this is ideal, but it&rsquo;s the price we pay for self-employment and something we&rsquo;ve had to get used to. (See also: <a href="http://www.wisebread.com/10-work-perks-you-cant-get-as-a-freelancer?ref=seealso" target="_blank">10 Work Perks You Can't Get as a Freelancer</a>)</p> <h2>5. Saving for retirement is not that hard</h2> <p>A lot of people assume that health care and retirement are the biggest issues facing the self-employed. Personally, I&rsquo;ve found that, while dealing with health care is a pain, retirement planning is a breeze.</p> <p>You don&rsquo;t need to have an employer to set up a retirement plan. We set up our own SEP IRA and Roth IRA plans with Vanguard when we first got started, but have since transitioned to Solo 401(k) plans instead. Either way, Vanguard funds are some of the least expensive available, and you can find all kinds of resources online to help you choose the right funds. When in doubt, you can even buy target date funds that automatically adjust for risk based on the year you want to retire. (See also: <a href="http://www.wisebread.com/a-simple-guide-to-retirement-plans-for-the-self-employed?ref=seealso" target="_blank">A Simple Guide to Retirement Plans for the Self-Employed</a>)</p> <h2>6. You have to set limits on yourself</h2> <p>When you work a nine-to-five job, you can leave your work at the office and enjoy your free time at home. When your work is <em>at home</em>, on the other hand, it can be very challenging to separate your personal time from your work time. If you&rsquo;re not careful, you end up working all the time.</p> <p>I&rsquo;ve fallen into the habit of working 50-hour weeks several times over the years, but I try really hard not to. These last few years, I have tried to work only when my kids are in school, or during the hours of 8 a.m. to 3:40 p.m. Once they get home, I put my computer away to do housework and spend time being a mom. It doesn&rsquo;t always work out that way, but I have a much better work-life balance when I set clear limits for myself. (See also: <a href="http://www.wisebread.com/the-5-biggest-mistakes-people-make-when-working-from-home?ref=seealso" target="_blank">The 5 Biggest Mistakes People Make When Working From Home</a>)</p> <h2>7. Freedom is better than PTO</h2> <p>If I had a dollar for each time a person asked me if I missed having paid time off, I would be rich! For some reason, people assume that not having paid vacation is a huge drawback of self-employment.</p> <p>While it may be a downside for some people, I am more than happy to forgo paid vacation in order to set my own hours and work when I want. With the freedom to make my own schedule, I can work ahead any time I take a trip. And I never have to ask permission, either.</p> <p>At the end of the day, I value freedom over paid vacation and sick days &mdash; even if that means working during vacation or having fewer days off each year. (See also: <a href="http://www.wisebread.com/freelance-your-way-to-more-income-and-flexibility?ref=seealso" target="_blank">Freelance Your Way to More Income and Flexibility</a>)</p> <h2>8. I wouldn&rsquo;t trade self-employment for the world</h2> <p>The final lesson I&rsquo;ve learned from self-employment is that, for me, this was a one-way street. Even though self-employment isn&rsquo;t perfect, I couldn&rsquo;t imagine going back to a regular job now.</p> <p>I truly enjoy the challenge of figuring out how to earn a living without a steady salary. I am used to putting my head down and working hard to achieve my goals without having to make small talk or drive to an office. And I love the fact I can earn more money by working harder, instead of relying on someone else to determine how much money I make. Even though my income varies widely and I don&rsquo;t have any benefits, I have something more important &mdash; real freedom to live my life how I want.</p> <p>No job is perfect, and that&rsquo;s certainly true when you work for yourself. But self-employment lets me bet on myself every day of the week &mdash; and it doesn&rsquo;t get any better than that. (See also: <a href="http://www.wisebread.com/8-signs-the-9-to-5-is-right-for-you?ref=seealso" target="_blank">8 Signs the 9-to-5 IS Right for You</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-life-lessons-i-ve-learned-from-self-employment&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Life%2520Lessons%2520I%25E2%2580%2599ve%2520Learned%2520from%2520Self-Employment.jpg&amp;description=8%20Life%20Lessons%20I%E2%80%99ve%20Learned%20from%20Self-Employment"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Life%20Lessons%20I%E2%80%99ve%20Learned%20from%20Self-Employment.jpg" alt="8 Life Lessons I&rsquo;ve Learned from Self-Employment" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/8-life-lessons-i-ve-learned-from-self-employment">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-12"> <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-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</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/8-life-skills-every-freelancer-needs">8 Life Skills Every Freelancer Needs</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/the-three-secrets-to-a-successful-family-business">The three secrets to a successful family business</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/11-freelance-jobs-that-pay-surprisingly-well">11 Freelance Jobs That Pay Surprisingly Well</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Lifestyle blogger entrepreneur freelancer self-employed self-employment work from home Fri, 01 Dec 2017 09:30:05 +0000 Holly Johnson 2059321 at http://www.wisebread.com 7 Work-From-Home Jobs for People Who Hate Talking on the Phone http://www.wisebread.com/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bored_office_worker_on_the_phone.jpg" alt="Bored office worker on the phone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many work-from-home jobs involve answering or making phone calls as customer service agents or sales representatives. But what if you don't have the noise-free environment required for many of these jobs? Or you'd simply rather walk over broken glass in bare feet than talk on the phone? Well, that's actually not such a big problem these days.</p> <p>There are many options available for people who want the freedom of a work-from-home job, without the hassle of being glued to the phone day and night. Here are some of the best options for &quot;phonephobics.&quot;</p> <h2>1. Customer service email and chat support</h2> <p>How are your people skills? Can you happily sit and chat over a messenger app, or reply to emails like a pro? Well, you could do very well in a customer service position where you write your responses to customers. Several big companies now employ work-at-home reps to assist with issues over email and chat, including AppleCare and Convergys. In fact, at the time of this writing, AppleCare at Home has positions for over 60 advisers available.</p> <p>You can make over $30,000 per year, or about $15 per hour, performing this kind of work for Apple and other companies, and all you need is a computer, reliable internet access, and good typing skills. Most of the time, you are provided a document telling you how to reply to specific questions or concerns. If you cannot handle the request, you can elevate it to an adviser with specific knowledge of the problem at hand.</p> <h2>2. Data entry</h2> <p>Perhaps the most popular choice for people who hate talking on the phone but want to work from home are data entry jobs. The typical data entry job is just as is sounds; you take data from one form, be it audio recordings or handwritten documents, and usually enter that information into a computer.</p> <p>What you get paid for this kind of work depends on the kind of data you're entering, and the skills required to do it. You'll be paid more if it's a specialized service, such as medical transcription or language translation. Standard data entry jobs usually pay minimum wage, or less (if you're working per piece, for example, and aren't particularly fast), but it's relatively easy work and you can do it any time of the day or night.</p> <p>Just beware of fraudulent data entry schemes that are really pyramid schemes or other scams that make you pay for classes or certifications that should be free. It's often hard to find reputable sources for data entry jobs, so be sure to research any potential employer company you find.</p> <h2>3. Tutoring</h2> <p>You can use your skills to make money at home doing one-on-one tutoring in a subject at which you excel. Whether it's math or physics, a musical instrument, or a foreign language, at-home tutors are in demand in every state. What's more, you can set your own hours, your own hourly rate, and the students can come to you. If you prefer, you can travel to them for an additional fee.</p> <p>If you're looking to get into this kind of work, you have a few options. You can simply place ads online, on outlets like Craigslist and Nextdoor, or you can register yourself with an institution like <a href="https://kaplan.com/work-with-us/join-our-team/" target="_blank">Kaplan</a> or <a href="https://www.pearson.com/us/higher-education/products-services-institutions/smarthinking-online-tutoring/become-a-tutor.html" target="_blank">Smarthinking</a>. (See also: <a href="http://www.wisebread.com/how-to-earn-1000-a-month-or-more-as-an-online-tutor?Ref=seealso" target="_blank">How to Earn $1,000 a Month or More as an Online Tutor</a>)</p> <h2>4. Accounting, taxes, and bookkeeping</h2> <p>If you are skilled with numbers, you can set up a home office and help clients with their books, budgets, and taxes. To do the latter, you will need to be up to speed on all the latest tax laws, and have the best tax software available. For bookkeeping and accounting, you can actually do well even if you don't have a degree in those subjects. However, it usually takes several years of experience before you can build a roster of dependable clients from whom you get regular business.</p> <p>Some of the biggest names in taxes, including Intuit and TurboTax, employ work-at-home accountants and bookkeepers, and places like AccountingDepartment.com offer full benefits. If you're self-employed, you could easily charge $250&ndash;$350 for a session that lasts just a few hours.</p> <h2>5. Freelance writing and blogging</h2> <p>If you have a way with words and research, this is a perfect gig for you. Content is king these days, and there are thousands of websites and publications that are desperate for good, well-written articles and stories.</p> <p>When you're just starting out, you should not expect to get a lot of money for your work. And if you are starting your own blog, it can take many months to even see a dime for your efforts. But blogging, and writing for the web and magazines in general, is a slow burn. Once you build an audience and get a reliable following, the money will start to trickle in. Do it well, and that trickle can become a rolling rapid. Some of the top bloggers out there earn six-figure salaries, all from the comfort of home. You can get started by browsing sites like <a href="http://www.freelancewritinggigs.com/freelance-writing-job-ads/" target="_blank">Freelance Writing Gigs</a>&nbsp;for jobs. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging?ref=seealso" target="_blank">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>6. Proofreading and editing</h2> <p>How's your grammar? Do you have an eye for detail? Does the prospect of poring over hundreds of pages of text scare you, or could you handle the challenge? Proofreading and editing is meticulous and laborious work, and therefore it's not for everyone. But if you have a fabulous grasp of language, and know (or can learn) the various editorial style guides (such as AP), you could have a great career as a proofreader or editor.</p> <p>The money you will make depends on what you're proofing, how quickly it needs to be turned around, and how many pages there are. Some places pay around $3&ndash;$4 per page, which can be to your benefit if you're fast. Other places charge a standard hourly wage, or you could find a gig that pays an annual salary with benefits.</p> <h2>7. Social media moderator</h2> <p>Also known as a content specialist, a social media moderator is responsible for the content of a brand's Facebook, Twitter, and Instagram channels. To do this job well, you need to have a strong grasp of the brand's core values, as well as the ability to speak in a tone of voice that is appropriate. For example, the contents of Nike's social media will differ vastly in tone from Dove.</p> <p>You will also need to have almost unlimited availability, as social media is a 24/7 advertising medium. Social media monitors have to pay close attention to customer posts, and must be ready to respond quickly, even pulling posts if they cause offense or come at a bad time. The pay for this ranges from minimum wage up to $80,000 including benefits and bonuses. Just remember &mdash; you must be available day and night, and that can be stressful.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Work-From-Home%2520Jobs%2520for%2520People%2520Who%2520Hate%2520Talking%2520on%2520the%2520Phone.jpg&amp;description=7%20Work-From-Home%20Jobs%20for%20People%20Who%20Hate%20Talking%20on%20the%20Phone"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Work-From-Home%20Jobs%20for%20People%20Who%20Hate%20Talking%20on%20the%20Phone.jpg" alt="7 Work-From-Home Jobs for People Who Hate Talking on the Phone" width="250" height="374" /></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/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone">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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/how-to-make-money-as-a-chat-or-forum-moderator">How to Make Money as a Chat or Forum Moderator</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/8-100k-jobs-you-can-do-online">8 $100k+ Jobs You Can Do Online</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/5-ways-to-stay-productive-while-working-from-home">5 Ways to Stay Productive While Working From Home</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/6-places-to-find-freelance-writing-jobs">6 Places to Find Freelance Writing Jobs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting blogging chat customer support data entry editing phones proofreading remote jobs telecommuting Tutoring work from home writing Mon, 25 Sep 2017 08:30:10 +0000 Paul Michael 2023632 at http://www.wisebread.com Beyond Silicon Valley: 7 Side Benefits Your Job Could Offer Soon http://www.wisebread.com/beyond-silicon-valley-7-side-benefits-your-job-could-offer-soon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/beyond-silicon-valley-7-side-benefits-your-job-could-offer-soon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/creative_business_team_having_meal.jpg" alt="Creative business team having meal" title="" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Jobs usually come with an array of benefits. Depending on the size and generosity of the company, those benefits can be huge. Corporations know the value of getting and retaining good employees, and attractive benefits are one way to do that.</p> <p>But what will those benefits look like in the near future? Here are some possibilities that may be coming your way sooner than you think.</p> <h2>1. Long-term paid maternity and paternity leave</h2> <p>Sadly, the United States is at the bottom of the class when it comes to maternity and paternity leave. The U.S. has no mandated paid time off for new parents, but that could soon change. Some companies, like Amazon, Google, Starbucks, and Etsy are leading the charge by giving their employees a generous amount of paid time off when welcoming a new baby to the family. Many companies are also expanding these benefits to employees who adopt or use a surrogate. With such big name brands setting the example, we may be seeing these benefits become much more common in the near future.</p> <h2>2. A self-driving company car</h2> <p>Make no mistake, self-driving cars are going to be a mainstay of everyday life. So why wouldn't employers embrace them as benefits? Think about the upsides: For starters, self-driving cars are considered safer and more reliable. They also give you time to work or read to and from the office, which means greater productivity for the company paying your salary. Your insurance rates will go down, which adds an additional benefit that the company doesn't have to pay for. You'll never get a speeding ticket, and your chances of being in a collision go down dramatically. If your future employer wants to attract the best and brightest talent, offering a self-driving company car is a no brainer.</p> <h2>3. Identity theft protection</h2> <p>Identity theft is here, and now. It affects millions of people every year, and costs the economy billions of dollars. It's no surprise that employers around the world are already starting to offer identity theft protection as an employee benefit. When someone is a victim of ID theft, it can turn their life upside-down. There is additional stress and pressure on the employee, and that spells bad business for companies. If your employer can cover you for a small cost, it's in their best interest to do so. It's estimated that around <a href="http://thirdcertainty.com/featured-story/more-employers-offer-identity-theft-protection-as-part-of-benefits-package/" target="_blank">70 percent of employers</a> will offer this benefit by 2018. By 2020, it could be standard, just like health insurance and sick time.</p> <h2>4. Student loan assistance</h2> <p>The average college graduate leaves university carrying over $37,000 in debt. That's a heavy burden for someone just entering the workforce, and it's one that future employers might be willing to take on for the right candidate. Several companies are already helping their employees <a href="http://www.wisebread.com/these-17-companies-will-help-you-repay-your-student-loan?ref=internal" target="_blank">pay down their student loans</a>, including Nvidia ($6,000 annually), PricewaterhouseCoopers ($1,200 annually), and Fidelity Investments ($2,000 annually). As the acquisition of the best and brightest minds heats up, we might see large corporations start to cover the entirety of the student loan burden for qualified employees.</p> <h2>5. Free health care for healthy employees</h2> <p>Few employers would offer completely free health care to every member of staff. But, if the employee could prove they were in the peak of health, free health care would be a generous reward. How could this happen? Well, some companies are already instigating large health care discounts in return for employees taking physicals, getting skin cancer screenings, and reporting weekly exercise routines. A healthy, fit employee is far better for the employer than one who is unhealthy and takes more sick days.</p> <h2>6. A home office</h2> <p>As each year passes, more companies are giving employees the option to telecommute. It makes good financial sense, and also saves time and effort. A long commute wastes gas, leaves the employee feeling frazzled and rushed, and eats up time that could be spent doing other things. So, it will behoove companies of the future to furnish their employees with everything they need to work from home. From a computer and smartphone, to a videoconferencing system and mail station, employees of the future may increasingly be offered an office away from the office &mdash; all at the expense of the company.</p> <h2>7. Catered meals</h2> <p>Good nutrition is the foundation of good health. Companies of tomorrow could encourage this practice by offering free catered meals to every employee. This will, of course, mean that your employer will have a say in what you eat, but having two of your three meals provided free of charge, Monday to Friday, is not only saving the employee money, but the time taken to go out and get meals or prepare them at home. Some companies, like Twitter, already do catered meals for their employees. Expect this trend to catch on as employers look for out-of-the-box ways to entice top talent and encourage healthy living.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fbeyond-silicon-valley-7-side-benefits-your-job-could-offer-soon&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FBeyond%2520Silicon%2520Valley-%25207%2520Side%2520Benefits%2520Your%2520Job%2520Could%2520Offer%2520Soon.jpg&amp;description=Beyond%20Silicon%20Valley%3A%207%20Side%20Benefits%20Your%20Job%20Could%20Offer%20Soon"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Beyond%20Silicon%20Valley-%207%20Side%20Benefits%20Your%20Job%20Could%20Offer%20Soon.jpg" alt="Beyond Silicon Valley: 7 Side Benefits Your Job Could Offer Soon" width="250" height="374" /></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/beyond-silicon-valley-7-side-benefits-your-job-could-offer-soon">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-5"> <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/how-to-get-laid-off-a-step-by-step-guide">How to Get Laid Off: A Step-By-Step Guide</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/11-credit-card-perks-that-make-life-easier-and-way-more-fun">11 Credit Card Perks That Make Life Easier and Way More Fun</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/8-good-reasons-to-become-a-contractor">8 Good Reasons to Become a Contractor</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/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone">7 Work-From-Home Jobs for People Who Hate Talking on the Phone</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/8-companies-with-the-best-employee-discounts">8 Companies With the Best Employee Discounts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building benefits free health care identity theft protection maternity leave paternity leave perks self driving cars student loan assistance work from home Tue, 12 Sep 2017 08:30:09 +0000 Paul Michael 2017866 at http://www.wisebread.com Flashback Friday: 36 Ways to Stay Productive While Working From Home http://www.wisebread.com/flashback-friday-36-ways-to-stay-productive-while-working-from-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-36-ways-to-stay-productive-while-working-from-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_laptop_home_610421530.jpg" alt="Man staying productive while working from home" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working from home is fun, sure, but it can be tough transitioning into that professional lifestyle from a regular office setting. While you can roll out of bed and power up your workspace without getting all fancy, there are tons of productivity pitfalls that could ruin your workflow. Here's how to remain productive when you're working from home.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/beautiful_pregnant_woman_working_from_home_office.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-prepare-for-your-work-at-home-gig?ref=fbf" target="_blank">6 Ways to Prepare for Your Work at Home Gig</a> &mdash; Preparation is key to being successful in anything you do, and working from home is no exception. You'll still need to create a clean workspace, complete all your tasks, and get in social interaction where you can. This guide will seamlessly ease you into that life.</p> <p><a href="http://www.wisebread.com/the-10-best-productivity-apps-for-really-busy-people-like-you?ref=fbf" target="_blank">The 10 Best Productivity Apps for Really Busy People Like You</a> &mdash; When you work from your home office, it can be insanely tempting to take a nap on the couch between conference calls and have the TV on all day. The key to remaining productive can be found in any of these apps.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_working_online_000042174160_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/5-ways-to-stay-productive-while-working-from-home?ref=fbf" target="_blank">5 Ways to Stay Productive While Working From Home</a> &mdash; Make sure you're taking enough breaks throughout the day to clear your head. And don't let your inbox suffocate your flow. These are extremely important to remember when you're working from home.</p> <p><a href="http://www.wisebread.com/the-5-biggest-mistakes-people-make-when-working-from-home?ref=fbf" target="_blank">The 5 Biggest Mistakes People Make When Working From Home</a> &mdash; One of the biggest struggles work-from-homers face is knowing when to shut it down for the day. When you're already home, you might inclined to keep working after a normal workday ends. Don't do it!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/business-470445829_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-rules-of-creating-a-powerfully-productive-workspace?ref=fbf" target="_blank">6 Rules of Creating a Powerfully Productive Workspace</a> &mdash; You will not be productive in a home office unless your workspace is designed to keep you focused and productive. Need some help getting one set up? These rules will help!</p> <p><a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle?ref=fbf" target="_blank">How to Live the &quot;Location Independent&quot; Lifestyle</a> &mdash; If you can work from home, you can probably make &quot;home&quot; just about anywhere. And if becoming location-independent is the route you choose, you should read this primer first.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-36-ways-to-stay-productive-while-working-from-home">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-3"> <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/flashback-friday-45-brilliant-career-tips-for-introverts">Flashback Friday: 45 Brilliant Career Tips for Introverts</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/flashback-friday-59-tips-to-help-you-nail-that-job-interview">Flashback Friday: 59 Tips to Help You Nail That Job Interview</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/flashback-friday-62-ways-introverts-tend-to-win-at-life">Flashback Friday: 62 Ways Introverts Tend to Win at Life</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/10-great-jobs-for-people-who-hate-the-9-5">10 Great Jobs for People Who Hate the 9-5</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income career tips fbf flashback friday telecommute work from home working from home Fri, 01 Sep 2017 08:30:10 +0000 Chrissa Hardy 2013378 at http://www.wisebread.com These 4 Sites Pay Writers Serious Cash http://www.wisebread.com/these-4-sites-pay-writers-serious-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-4-sites-pay-writers-serious-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-532334968.jpg" alt="these websites pay writers good money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I first started my freelance writing career, I was happy to get any work I could find. I would take on any assignment no matter how little it paid, simply because it meant I was getting <em>some</em> money. Like many beginners, I turned to content mills to find work. (See also: <a href="http://www.wisebread.com/6-places-to-find-freelance-writing-jobs?ref=seealso" target="_blank">6 Places to Find Freelance Writing Jobs</a>)</p> <p>My wake-up call came when I completed a 1,000-word article and was paid a whopping $10 for the privilege. It had taken me hours, and I made less than minimum wage. From that moment on, I swore off content mills completely.</p> <p>However, the industry is changing rapidly, and demand for quality content is rising. As companies grow, the rates they're willing to pay for quality writers have also grown.</p> <p>If you're an experienced writer, you can diversify your income by working with more lucrative content mills. Here are four sites that offer jobs that pay up to $2 a word.</p> <h2>1. Contently.net</h2> <p>Contently.com connects big brands like Walmart and Facebook with seasoned writers, journalists, and other talent. They do this through their freelancer database, Contently.net.</p> <p>Because the companies that work with Contently are established, well-known businesses, they are willing to pay much higher rates than others. In fact, many assignments pay between $1 and $2 a word, especially if you have expertise in a certain subject. For example, writers with legal knowledge can <a href="http://contently.net/2016/08/18/find-work/contently-hiring-writers-legal-expertise/" target="_blank">bring in up to $575</a> for a 400-word article.</p> <p>Contently works differently than the content mills you've used in the past. Rather than a job board or bidding process, writers create portfolios of their past work. Contently editors then search these portfolios to find writers that would be a good match for an assignment. For example, a writer with a background in IT would likely be a good candidate for a computer software company needing an article. While this process is simple and hands-off, the downside is you may be waiting weeks or even months between assignments.</p> <p>If an assignment matches your experience, Contently editors will contact you with an offer. They will share details on what the assignment entails, along with the pay rate. From there, you will work directly with the Contently editors as your point of contact until the article is complete and you receive payment.</p> <h2>2. ClearVoice</h2> <p>Founded in 2015, ClearVoice is relatively new to the market. When you sign up for an account, you can set your minimum rate. Afterward, the company will only send you opportunities that meet your pay requirements, weeding out the lesser assignments. Right now, there are assignments that pay between $0.10 and $1 a word.</p> <p>If your work has been published on well-known sites, you likely have a ClearVoice portfolio already. The company searches for prominent writers, and automatically creates a page for them. You can create your own account and get started quickly.</p> <p>Like Contently, ClearVoice likely won't be your primary source of work. You might not get assignments for a while, or may go weeks between jobs. However, it can be a good source of supplemental income.</p> <h2>3. SkyWord</h2> <p>SkyWord works with companies like Lending Tree, Overstock, and others to offer decent-paying gigs to experienced writers.</p> <p>With SkyWord, you create a portfolio to build your visibility. Unlike other platforms, SkyWord showcases how many shares your work has received on social media. If you produce more engaging content, you are more likely to get more opportunities that are also higher paying.</p> <p>Rates can range from $40 to $150 per article.</p> <h2>4. eByline</h2> <p>eByline works with both large and small companies, and has a database of over 2,000 writers. Clients set their own rates, so you'll find that the pay ranges from a low $0.05 a word up to $1 a word. It depends on the size of the business, complexity of the assignment, and your location.</p> <p>Unlike the other three sites, eByline has a job board where writers can submit a pitch for work. Or, if a brand likes your work, they can send you an offer for a particular article.</p> <p>eByline is careful about what writers they accept. They look for recent publications in your portfolio, and look to fill gaps in expertise. For example, if you're a beauty writer, you might have a harder time with your application than someone with experience in a smaller niche, like economics. If you are in a competitive industry, you might wait weeks for an assignment that fits your expertise.</p> <h2>Bottom line</h2> <p>If you're sick of writing for peanuts and are looking for higher-paying gigs, these four content sites can help connect you to better work. While these companies are not ideal for beginner freelancers, they can be a strong source of supplemental income for established writers. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso" target="_blank">22 Websites That Will Pay You to Write for Them</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthese-4-sites-pay-writers-serious-cash&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThese%25204%2520Sites%2520Pay%2520Writers%2520Serious%2520Cash.jpg&amp;description=These%204%20Sites%20Pay%20Writers%20Serious%20Cash"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/These%204%20Sites%20Pay%20Writers%20Serious%20Cash.jpg" alt="These 4 Sites Pay Writers Serious Cash" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/these-4-sites-pay-writers-serious-cash">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/9-easy-ways-retirees-can-earn-extra-income">9 Easy Ways Retirees Can Earn Extra Income</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/17-ways-your-house-can-earn-a-paycheck">17 Ways Your House Can Earn a Paycheck</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/4-creative-remote-jobs-that-can-supplement-your-retirement-income">4 Creative Remote Jobs That Can Supplement Your Retirement Income</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/13-ways-to-make-money-online-that-arent-scams">13 Ways to Make Money Online That Aren&#039;t Scams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income content mills freelance writers rates self employed side gigs supplemental income websites work from home Mon, 31 Jul 2017 09:00:04 +0000 Kat Tretina 1992969 at http://www.wisebread.com How to Live the "Location Independent" Lifestyle http://www.wisebread.com/how-to-live-the-location-independent-lifestyle <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-live-the-location-independent-lifestyle" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_working_on_laptop_with_coffee_and_young_coconut.jpg" alt="Young woman working on laptop with coffee and young coconut" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you dreamed of traveling the world, using your laptop and a Wi-Fi connection to do all the work you need to do, from anywhere you want, whenever it's convenient for you?</p> <p>For years, this has been called telecommuting and more recently, digital nomadism. Lately, this lifestyle has been called &quot;location independent,&quot; because you can live and work from anywhere. I have been living this life for over five years now and, while I haven't used my freedom to travel the world, I wouldn't trade my current life for anything.</p> <p>Living this way seems like a lofty goal, reserved for a few people with trust funds or for those lucky enough to have that perfect, unattainable job. But the truth is, living the location independent lifestyle is probably within your reach. Before diving in, here's what you need to consider. (See also: <a href="http://www.wisebread.com/7-trendy-destinations-for-digital-nomads?ref=seealso" target="_blank">7 Trendy Destinations for Digital Nomads</a>)</p> <h2>Determine what your goals are</h2> <p>Before you make any solid plans to quit your job, decide what you want from a location independent lifestyle. Do you want to travel the world? Or do you want to keep your home and much of your life, but have the freedom to take days off when you want them, or maybe spend more time with your kids or an aging parent?</p> <p>I chose location independence because I knew that my husband's job was going to involve at least a couple of moves in pretty quick succession, and because I wanted to spend time with my children while they were young. It's not quite as romantic as working from a beach in Tahiti, but it has worked quite well for us.</p> <h2>Make a plan</h2> <p>If you like the work you're doing now, would your company let you work remotely? This can be a toss up, depending on what, exactly, you do and who you work for. But it can be worthwhile to ask around or to approach your boss directly. The worst they can do is say, &quot;No.&quot;</p> <h3>Fine-tune your skills</h3> <p>Consider, too, your skill set. A lot of work can be done on a freelance basis. Things like writing, editing, proofreading, business coaching and consulting, and more, are easily done with just a computer and an internet connection. When I made my transition, I chose to focus on writing and editing, because I had already done a little work in both fields, and because I saw a lot of good opportunities around me. Whatever you choose, make sure it's something you like and something where work seems readily available. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso" target="_blank">22 Websites That Will Pay You to Write for Them</a>)</p> <h3>Sell the stuff you won't need</h3> <p>If you're going to travel, you will also want to think about what to do with all of your possessions. Will you store them or sell them? Even if you only plan to travel part-time, you might not need to own as much or have as much space.</p> <h3>Figure out health coverage</h3> <p>Health insurance is another important consideration. If you are currently getting that through an employer, you will want to figure out what you will do once that expires. Will you buy your own, or go on a spouse's plan? Map it all out beforehand so you're prepared for any potential obstacles.</p> <h2>Test the waters</h2> <p>Before I went location independent, I built up a freelance clientele while I kept my day job. This meant quite a lot of hustling to get everything done, but it also meant that when I cut my ties to that steady job, I knew I had other sources of income coming in.</p> <p>Sometimes people also find out that they aren't cut out for working independently. They miss their coworkers, they don't feel motivated, or get sad and depressed. So spending some time actually doing the work that you plan to do after you quit can be key to ensuring your future happiness. (See also: <a href="http://www.wisebread.com/8-life-skills-every-freelancer-needs?ref=seealso" target="_blank">8 Life Skills Every Freelancer Needs</a>)</p> <h2>Be flexible</h2> <p>Living a location independent lifestyle has it's own set of problems, separate from those that people face when they live more traditional lives. Clients can up and disappear, or you can be so swamped with work that you don't look up from the computer for four days. People forget to pay, or they think they can get away with shorting you. A client could reject a project after you've put hours and hours into it. Or maybe the Wi-Fi dies at your hotel, 30 minutes before a big pitch. Or your Airbnb doesn't even have Wi-Fi, or someone else is in it when you get there, or you find out you actually hate the part of the world you've moved to.</p> <p>While you do have recourse in most of these situations, you will get through them easier and like your lifestyle better if you remember that these are simply the ups and downs of this kind of life. They can feel bigger and harder because they are so different from the ups and downs of a regular life, but the truth is that they will all pass. Things will get better. You will become more savvy at figuring out which clients to take, where to stay, and more.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-live-the-location-independent-lifestyle&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Live%2520the%2520Location%2520Independent%2520Lifestyle.jpg&amp;description=How%20to%20Live%20the%20Location%20Independent%20Lifestyle"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Live%20the%20Location%20Independent%20Lifestyle.jpg" alt="How to Live the Location Independent Lifestyle" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle">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-2"> <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/save-big-with-a-dream-wedding-overseas">Save Big With a Dream Wedding Overseas</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/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</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/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</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/11-ways-to-get-the-most-value-from-your-all-inclusive-vacation">11 Ways to Get the Most Value From Your All-Inclusive Vacation</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/11-ways-freelancers-and-telecommuters-can-make-friends-and-network">11 Ways Freelancers and Telecommuters Can Make Friends and Network</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel location independent telecommute travel tips work from anywhere work from home work from home lifestyle work tips Tue, 25 Jul 2017 09:00:10 +0000 Sarah Winfrey 1989546 at http://www.wisebread.com 7 Surprising Ways to Earn Money Online http://www.wisebread.com/7-surprising-ways-to-earn-money-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-surprising-ways-to-earn-money-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_with_a_laptop.jpg" alt="Girl with a laptop" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The internet isn't all about cats with attitude, hashtags on social media, and endless Reddit discussion threads. There are also plenty of ways &mdash; some a bit off the beaten path &mdash; to make money. Here are seven surprising ways you can earn money online.</p> <h2>1. Sell your photos</h2> <p>National Geographic estimated that every American took an average of 322 digital photos in 2015. If you can easily beat that number and have serious <em>photog</em> skills, you should consider uploading your photos to sites that pay you every time somebody wants to download and use your image. Sites such as <a href="https://www.smugmug.com/pro" target="_blank">SmugMug Pro</a>, <a href="https://submit.shutterstock.com/payouts" target="_blank">Shutterstock</a>, <a href="https://www.foap.com" target="_blank">Foap</a>, <a href="http://clashot.com" target="_blank">Clashot</a>, and <a href="https://workwithus.istockphoto.com/en" target="_blank">iStockphoto</a> allow you to submit your digital masterpieces for review or you can apply to become a paid contributor. (See also: <a href="http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera?ref=seealso" target="_blank">Earn Extra Income With Your Smartphone Camera</a>)</p> <h2>2. Complete microtasks</h2> <p>If you have some extra time on your hands, rather than scrolling through your Instagram feed, make a little money by writing 50-word product descriptions, transcribing audio, or making sure that uploaded photos don't contain sensitive material. Sites, such as <a href="https://www.crowdflower.com/contributors/" target="_blank">CrowdFlower</a> and <a href="https://www.mturk.com/mturk/help?helpPage=overview" target="_blank">Amazon's Mechanical Turk</a>, allow you to find single, self-contained tasks that provide a monetary reward. Initial tasks usually pay just a few cents, but once you obtain higher qualifications you can earn much more. (See also: <a href="http://www.wisebread.com/6-ways-to-earn-more-money-without-working-more-hours?ref=seealso" target="_blank">6 Ways to Earn More Money &mdash; Without Working More Hours</a>)</p> <h2>3. Create an online course</h2> <p>When you're really good at something and could teach it to anybody in your sleep, then you could earn passive income by creating a robust online course and receiving royalties every time that somebody watches your lessons or tutorials, or signs up to the service as a paid student. Some options to build on-demand courses are <a href="https://www.skillshare.com/teach" target="_blank">Skillshare</a> and <a href="https://teach.udemy.com" target="_blank">Udemy</a>.</p> <h2>4. Tutor in real time</h2> <p>Since some students learn better by doing, you also have the option to deliver live tutoring through the web. Sites like&nbsp;<a href="https://www.chegg.com/tutors/become-a-tutor/?from_header=1" target="_blank">Chegg Tutors</a> and <a href="https://www.tutor.com/apply" target="_blank">Tutor.com</a>&nbsp;are constantly looking for experienced tutors on a wide range of subjects at the high school and college levels. (See also: <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=seealso" target="_blank">The 3 Best Jobs for Expats and Travelers</a>)</p> <h2>5. Become a beta tester</h2> <p>Some people wait in line for hours to get the latest smartphone model or video game platform. If you're one of those, <a href="https://erlibird.com/beta-testers" target="_blank">ErliBird.com</a> offers you the opportunity to get a sneak peek and provide feedback on upcoming apps, websites, and products. Some assignments require ownership of a Windows PC, Mac, or other specific devices. Depending on your set of demographics and the needs from clients, the site provides up to five assignments per month, each one paying $10.</p> <h2>6. Be a virtual jury member</h2> <p>If you just can't wait for the day to be called for jury duty, you can increase your chances of becoming a juror by signing up for <a href="http://www.ejury.com/jurors_learn_about.html#paid" target="_blank">eJury.com</a>. Don't let the late '90s retro design fool you, this site is real and the Texas-based company has an A+ rating with the Better Business Bureau. Assignments depend on location and demand from attorneys in that area, so it may take a while for you to land an assignment. But when you do, expect a $5 to $10 payment via PayPal. (See also: <a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams?ref=seealso" target="_blank">13 Ways to Make Money Online That Aren't Scams</a>)</p> <h2>7. Snap photos of help wanted signs</h2> <p>With the <a href="https://jobspotter.indeed.com" target="_blank">Job Spotter</a> app from job search engine Indeed.com, you can accumulate points by taking photos of local job signs with your smartphone camera. For about 30 seconds of your time, you can win <a href="https://jobspotter.indeed.com/points-guide?from=welcome_email&amp;uk=8336c51e345e9306" target="_blank">up to 150 points</a> for submitting a local job sign. Once you hit 100 points, you can turn that into a $1 in Amazon.com credit. If you're a frequent Amazon shopper, this is a pretty good deal for the amount of time that you have to invest.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-surprising-ways-to-earn-money-online">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-2"> <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/4-creative-remote-jobs-that-can-supplement-your-retirement-income">4 Creative Remote Jobs That Can Supplement Your Retirement Income</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/how-to-make-money-by-creating-youtube-videos">How to Make Money by Creating YouTube Videos</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-ways-to-make-money-on-thanksgiving">11 Ways to Make Money on Thanksgiving</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/15-ways-to-make-money-on-halloween">15 Ways to Make Money on Halloween</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/4-ways-to-make-money-doing-household-chores">4 Ways to Make Money Doing Household Chores</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology extra cash internet jobs making money saving money side gig side hustle work from home Mon, 12 Jun 2017 08:30:14 +0000 Damian Davila 1963761 at http://www.wisebread.com How to Live a Retired Life Before Retirement http://www.wisebread.com/how-to-live-a-retired-life-before-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-live-a-retired-life-before-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/falling_in_love_is_so_much_fun.jpg" alt="Falling in love is so much fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many of us dream about being able give up the day job and settle into a life of freedom, flexibility, and financial security in retirement. But unfortunately for many Americans, this dream is getting further and further out of reach. The reality is that the average age at which U.S. citizens are able to retire is on the increase.</p> <p>Being financially prepared is rightly a large concern, particularly because people tend to make big plans for when they do finally retire. It also means that some people put off following their dreams with hopes that they will be better able to afford them later in life.</p> <p>But if you're sensible with your savings and clever with your planning, it's possible to find a balance between securing a comfortable retirement and still living life to its fullest.</p> <h2>Take more time off</h2> <p>Taking vacation is something that shoots fear into the hearts of millions of people. Reasons for this vary from being worried about the amount of work that we'll face when returning to the job, to fears of losing our job altogether as a result of taking too much time off. It's a sad fact that the majority of Americans don't take their full vacation allowance each year, with 55 percent reporting leaving days unused, according to Project: Time Off.</p> <p>If you're among the large number of Americans who don't use their vacation days, then the first step to getting more holidays is simply to take them. Booking your vacations far in advance will allow your employer to plan effectively for the time that you're not there. It also gives you time to help ensure that whoever is covering you knows what they are doing and is properly prepared.</p> <p>If you're already using your allotted time off, consider asking for more. Requesting extra vacation is understandably daunting for many people, but as the old saying goes, if you don't ask, you don't get. It helps if you can provide justification for your extra holiday time, like a dream trip to Europe, and it's even better if you can demonstrate it will have a positive effect on your productivity. In fact, a study by the Harvard Business Review directly linked having more vacation days to an ability to get work done quicker.</p> <p>Another option that many don't even consider is to take unpaid time off. Though this may seem counterproductive, it's basically like buying extra vacation days. If you value your time off then it can work out to be very cost effective.</p> <p>Ask your employer about &quot;banking time,&quot; which basically allows you to work overtime shifts for regular pay (instead of the regular time-and-a-half), and then use those banked days to extend your holidays or take a few extra days off throughout the year when you need a break from the grind.</p> <h2>Focus on discounted, cheap, and free experiences</h2> <p>A great way to enjoy the quality of life that you crave without breaking the bank is to take advantage of discounted and cheap experiences. You might have a list of things that you want to do, see, or accomplish in your lifetime that you're putting off because you think it's too expensive. Instead, try looking out for when it's possible to do these things on the cheap.</p> <p>Always wanted to visit a certain country? Research when high season is and make a plan that allows you to go in low season instead. This will save you money on flights, accommodations, and many activities to do while you're there.</p> <p>Create a bucket list with a twist. Rather than containing activities that cost money, focus on experiences which cost little but provide you with a high sense of personal achievement. Physical activities are good for this, like hiking a certain mountain route or running a marathon, as well as things that will tax your brain like writing a book or learning an instrument.</p> <h2>Move somewhere cheaper</h2> <p>Lots of people envision moving away to a rural area or a tropical place when they retire, but why put it off until then? Moving to a cheaper city, state, or even country could allow you to live out your dreams, save more, and work less all at the same time. If you're not tied to your home by your job, then it doesn't necessarily even have to be a permanent move. You could spend half your time in the cheaper place having fun while still saving money.</p> <p>Numbeo ranks the U.S. as one of the most expensive places to live in the world. This means there's a lot of choice if you are looking for somewhere cheaper to settle down abroad. With 8.7 million Americans living overseas, you won't be alone. There are many <a href="http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in" target="_blank">attractive, cheap locations</a> that could be the perfect place to call your new home.</p> <p>If you don't know where to start, write a list of what's important to you in your everyday life and research which places can accommodate those aspects of your life. Lots of countries in South America, Asia, and Europe are <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries" target="_blank">significantly less expensive</a> than the U.S. but still offer a great standard of living.</p> <p>Moving to a new country isn't a decision to be taken lightly, and definitely not one that should be made based purely on cost. You need to be sure that the move is right for you and is one that will have a positive impact on your life. But there's no need to hold off until you're 65 to move to an amazing location.</p> <h2>Work from home</h2> <p>If your career is getting in the way of living the life you want right now, then perhaps it's time to start thinking about changing to something that will allow you to do this. The office environment is rapidly transforming, and working from home is no longer a rare and prized entitlement for the lucky few. If you don't have to spend time commuting or dressing for an office environment, you can free up time to do more of what you want to do.</p> <p>Lots of employers are becoming more flexible when it comes to this idea and there is a wide range of opportunities that are well suited for remote work. Advancements in technology have made remote working progressively easier, with a Gallup survey showing that 43 percent of employed Americans spend some portion of time working from home.</p> <p>Some industries that have embraced remote working include finance, insurance, and information technology, so it's a bonus if you already have a background in one of these fields. But even if you don't, the trend of working from home is growing, and may hit your industry soon.</p> <p>Don't confuse working from home with doing less. It's not a way to ease into the retired life in that sense. What it does bring is flexibility around when you work, as well as potentially huge savings in the time wasted getting to and from the office. It's also common for it to lead to increased productivity thanks to having fewer distractions at home than in a typical office environment.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-live-a-retired-life-before-retirement">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-2"> <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/9-retirement-hotspots-that-are-cheaper-now-than-ever-before">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</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/5-money-moves-to-make-before-taking-a-mini-retirement">5 Money Moves to Make Before Taking a Mini Retirement</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/7-reasons-you-shouldnt-vacation-shame-your-coworkers">7 Reasons You Shouldn&#039;t &quot;Vacation Shame&quot; Your Coworkers</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-10-worst-states-for-retirees">The 10 Worst States for Retirees</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/5-questions-couples-must-ask-before-retirement">5 Questions Couples Must Ask Before Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Retirement discounts experiences moving relocating remote retired life telecommuting time off travel vacation time work from home working Fri, 02 Jun 2017 08:30:07 +0000 Nick Wharton 1958436 at http://www.wisebread.com How to Tell if That Home Business Opportunity Is Really a Pyramid Scheme http://www.wisebread.com/how-to-tell-if-that-home-business-opportunity-is-really-a-pyramid-scheme <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-tell-if-that-home-business-opportunity-is-really-a-pyramid-scheme" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_chatting_tablet_506624473.jpg" alt="Women learning if a home business is a pyramid scheme" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Work from home! Get out of debt! Make a full-time income selling products you love! Such are the promises of companies and their agents looking to recruit people to be distributors or &quot;consultants&quot; for them.</p> <p>These types of &quot;job opportunities&quot; are called multilevel marketing (MLM), and most people who sign up never realize the benefits. If you're considering becoming a distributor for an MLM company, beware of the many warning signs that you could end up making little to no money, or worse, adding to your debt. (See also: <a href="http://www.wisebread.com/multi-level-marketing-the-future-or-folly?ref=seealso" target="_blank">Multi-Level Marketing: The Future or Folly?</a>)</p> <p>Tupperware, Avon, and Mary Kay are some of the best known MLM firms, though they sometimes shun that term in an attempt to distance themselves from controversy-laden companies such as Herbalife and Amway. Both of those companies have been accused of making inflated earnings claims and of being pyramid schemes. The main difference between MLM companies and true pyramid schemes is that the primary purpose of a pyramid scheme is recruiting other distributors, rather than making direct sales. Pyramid schemes are illegal. (See also: <a href="http://www.wisebread.com/8-terrible-work-from-home-jobs-you-should-avoid?ref=seealso" target="_blank">8 Terrible Work-From-Home &quot;Jobs&quot; You Should Avoid</a>)</p> <h2>What Are MLM Companies?</h2> <p>MLM companies, also called network marketing or direct selling companies, incorporate a business model in which representatives make money in two ways. The first is direct sales to consumers &mdash; often friends and acquaintances &mdash; through parties, social networks, and other web sales. The second income source is commissions from sales made by team members you recruit, also known as &quot;down line&quot; distributors.</p> <p>IBISWorld estimates the direct selling industry makes $41 billion in revenue and employs about 800,000 people. Intense competition from mass merchandisers has kept growth to a modest 0.6%.</p> <h2>MLM Promises Are Tempting</h2> <p>The sales pitches of MLM companies can be alluring, especially for stay-at-home moms, students, and the unemployed. Just imagine, they exclaim, a work day that includes jumping on social media, talking up strangers at the grocery store, or networking with friends. By selling products you love and believe in, you could earn extra money while enriching others' lives. And if you could convince a few friends to become distributors beneath you, you could have your own business &mdash; becoming the &quot;boss&quot; for the first time in your life. The promise is this: If you pour your heart into your business, get people to sign up beneath you, and never give up, you can (and will) become successful &mdash; no matter what.</p> <p>And when it comes to recruiting new distributors, some MLM companies pull out the big guns. It Works! &mdash; a company that sells body wraps, supplements, and personal care products &mdash; advertises huge cash payouts for new distributors who meet specific sales goals. How huge? The company frequently advertises bonuses of $15,000 or more for their top tier sellers, although it's hard to find concrete data on how many sales you need to make to earn these bonuses, or how they are paid out. (See also: <a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school?ref=seealso" target="_blank">17 Part-Time Jobs to Do While Your Kids Are at School</a>)</p> <h2>The Problem With Multi-Level Marketing Operations</h2> <p>While people can and do earn huge sums of money with MLM companies, there are myriad pitfalls to avoid. First, it can take a ton of sales to get anywhere near the mind-blowing income levels posted on corporate websites. And to reach the highest ranks of earners with any MLM, you may need to recruit dozens of people to work beneath you (with them recruiting people to work beneath them as well).</p> <p>Secondly, as we mentioned before, the line between MLM firms and pyramid schemes is fuzzy. In a pyramid scheme, the price of the products sold is inflated, making them hard to sell and causing the vast majority of participants to lose money. The <a href="https://www.consumer.ftc.gov/articles/0065-multilevel-marketing" target="_blank">Federal Trade Commission (FTC)</a> warns of the similarities, noting:</p> <blockquote><p>Not all multilevel marketing plans are legitimate. If the money you make is based on your sales to the public, it may be a legitimate multilevel marketing plan. If the money you make is based on the number of people you recruit and your sales to them, it's probably not. It could be a pyramid scheme. Pyramid schemes are illegal, and the vast majority of participants lose money.</p> </blockquote> <p>Even if the company is legitimate, most MLM companies require a &quot;buy in.&quot; You'll need to pay a certain amount of cash upfront to sell their products. While these &quot;starter kits&quot; normally cost a nominal amount (a few hundred dollars), they will certainly start your business in the red. If you're trying to make money to <a href="http://www.wisebread.com/5-day-debt-reduction-plan-pay-it-off?ref=internal" target="_blank">pay off debt</a>, that's the last thing you need. (See also: <a href="http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true?ref=seealso" target="_blank">11 Signs the Job Is Too Good to Be True</a>)</p> <h2>How Much Do MLM Distributors Really Make?</h2> <p>If you make money right out of the gate, then a nominal investment could be money well spent. Unfortunately, most distributors for MLM companies barely eek out a profit, let alone earn a full-time income from home. You can find proof directly on their websites.</p> <p>Let's go back to It Works!, the body wraps and personal care products company. According to its <a href="https://www.myitworks.com/Legal/Income/" target="_blank">2015 annual income disclosure statement</a>, 82% of its representatives had been with the company for an average of one month and were still on the first rung of the payment hierarchy &mdash; distributor status. Their monthly earnings ranged from a low of $1 to a high of $3,847, with a monthly average of $54.</p> <p>Income grows incrementally up the ranks, and tends to coincide with longer time spent growing the business. But income growth is slow, and the percentage of distributors who stick around more than a month drops dramatically. Only 7.8% of It Works! sales people are at the Executive level. They've been there an average of three months and earn an average of $231 a month. About 0.6% of reps are at Double Diamond level, making an average of $4,741 a month after 13 months of effort.</p> <p>Of course, some huge, mythical incomes do exist. According to the disclosure, the top tier income earner (. 02% of all distributors) &mdash; Ambassador Diamond &mdash; pulls in around $37,583 per month.</p> <p>Unfortunately, the average income for all It Works! Distributors was only $227 per month in 2015.</p> <p>And It Works! is far from the exception; their distributors actually make more than those working for many other MLM companies. Check out these annual income figures from other multilevel marketing disclosures for more proof:</p> <ul> <li><a href="https://issuu.com/thirtyoneleader/docs/income-disclosure-statement-2015" target="_blank">Thirty-One Gifts</a>: a company that sells organizational totes and monogrammed bags. In 2015, the average consultant (92.1% of distributors) earned $548 per year.<br /> &nbsp;</li> <li><a href="http://meltascent.com/download/scentsy-income-disclosure-statement/" target="_blank">Scentsy</a>: a company that focuses on candles and wax warmers. In 2014, the average lowest-level rep, called an Ecsential Consultant, earned $81 per year, while the average Certified Consultant (one level up from Ecsential) earned $463 per year.<br /> &nbsp;</li> <li><a href="https://www.advocare.com/opportunity/" target="_blank">Advocare</a>: a company that sells nutritional supplements and diet products. In 2015, the average annual compensation paid by Advocare to active distributors was $1,586.<br /> &nbsp;</li> <li><a href="http://www.beachbodycoach.com/uploads/fckeditor/mdbody/File/downloads/statement_of_independent_coach_earnings.pdf" target="_blank">BEACHBODY</a>: a company that sells fitness products and nutritional shakes. In 2015, the average BEACHBODY coach earned $502.<br /> &nbsp;</li> <li><a href="https://www.isagenix.com/~/media/compliance/earnings-statement/us-en-earnings-statement.pdf" target="_blank">Isagenix International</a>: a company that focuses on nutrition and diet products. In 2015, 87% of Isagenix business builders earned between $702 and $2,101, on average per year.</li> </ul> <p>As you can see, the average &quot;little guy&quot; is not making bank with any of these companies. In fact, your average distributor may be earning $100 per month or less. If they're a hobbyist who signed up for product discounts, then that might be fine by them. But when someone signs up to follow their dreams, the reality of not earning much can burn.</p> <p>MLM supporters argue that the reason so many people don't earn more is because they aren't really dedicated to building the business. Barriers to entry are very low, so many people sign up, then lose interest and give up in a way they wouldn't if they were building a regular business in which they'd had to invest more.</p> <p>But there are also real challenges to growing a viable business using the MLM model, even for committed salespeople. For example, many MLMs ask you to focus your sales efforts on family members and friends, which can be awkward and presents a limited pool of customers. Even if you expand your sales network, the products may be overpriced, making them difficult to sell.</p> <p>Lastly, it's not easy to grow your sales if your MLM is overly saturated with distributors already. And if you happen to recruit a distributor (the key to earning commissions), they then often become your competition.</p> <h2>Tips for Vetting an MLM Company</h2> <p>Just like anything else, it pays to do some research before you sign up for a multilevel marketing company. As the FTC notes, it's smart to not only consider the products, but to learn more about the company itself.</p> <p>Questions to ask should include:</p> <ul> <li>How long has the company been in business?</li> <li>What is its standing with the BBB?</li> <li>Has the company been sued for deceptive business practices?</li> <li>What are the company's annual sales?</li> <li>What percentage of average sales are made to distributors, as opposed to retail consumers?</li> </ul> <p>Beyond those considerations, the FTC suggests making sure you understand compensation structure, terms and conditions, and potential business expenses. Also, get all the company's details, including their refund policy, in writing.</p> <p>The U.S. Securities and Exchange Commission also offers an array of tips for people vetting a MLM and trying to avoid a pyramid scheme. According to the SEC, you should:</p> <ul> <li>Watch out for MLMs that don't appear to offer a product or service. If you can't figure out what a MLM sells, run.<br /> &nbsp;</li> <li>Be leery of MLMs that promise huge returns in a short amount of time. If it sounds too good to be true, it probably is.<br /> &nbsp;</li> <li>Be skeptical of companies that offer compensation for little work. Terms like &quot;easy money&quot; and &quot;passive income&quot; should be a red flag.<br /> &nbsp;</li> <li>Look for proof of retail sales. Ask to see documents that show how the MLM generated revenue from the selling of its products to people outside the program.<br /> &nbsp;</li> <li>Think long and hard before you &quot;buy in.&quot; Question the value of any opportunity that makes you purchase a product to get started.<br /> &nbsp;</li> <li>Watch out for complex commission structures. If it's hard to understand how you'll get paid or you can't figure out how commissions work, beware.</li> </ul> <p>Lastly, the FTC and SEC both suggest avoiding MLMs that place a heavy emphasis on recruiting members to work beneath you. The hallmark of a pyramid scheme is when you make more money recruiting than you do for product sales.</p> <p>Check out these <a href="https://www.ftc.gov/tips-advice/business-center/guidance/multilevel-marketing" target="_blank">FTC</a> and <a href="https://www.sec.gov/enforce/investor-alerts-bulletins/investoralertsia_pyramidhtm.html" target="_blank">SEC</a> pages for further details on how to vet a multilevel marketing company. While these companies do offer a path to earning extra income, the reality is that most of that income goes to the very top few earners, not to the average distributor like yourself. And if you don't wind up earning much, the costs of buying a &quot;starter kit&quot; and hosting parties could easily leave you in the red.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/how-to-tell-if-that-home-business-opportunity-is-really-a-pyramid-scheme">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-4"> <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/how-to-protect-yourself-from-an-investment-scam">How to Protect Yourself From an Investment Scam</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/netspend-the-story-of-the-visa-debit-card-we-did-not-apply-for">netSpend: The Story of the Visa Debit Card We Did Not Apply For</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/8-vile-craigslist-scams-to-watch-out-for">8 Vile Craigslist Scams to Watch Out For</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/10-great-jobs-for-people-who-hate-the-9-5">10 Great Jobs for People Who Hate the 9-5</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/how-to-protect-your-retirement-account-from-a-hack">How to Protect Your Retirement Account From a Hack</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Consumer Affairs businesses distributors MLM multilevel marketing pyramid schemes sales scams self employment work from home Fri, 03 Mar 2017 10:30:39 +0000 Holly Johnson 1902525 at http://www.wisebread.com 11 Ways Freelancers and Telecommuters Can Make Friends and Network http://www.wisebread.com/11-ways-freelancers-and-telecommuters-can-make-friends-and-network <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-freelancers-and-telecommuters-can-make-friends-and-network" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-528577668.jpg" alt="Freelancers learning how to make friends and telecommute" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Working from home can be a great thing. It allows you to work where you want, when you want, and has a number of other perks. However, it can be a bit lonely. Luckily, with the power of the Internet (and some motivation to get out and socialize), even those without an office water cooler to mill around can network and make new friends.</p> <h2>Networking Resources</h2> <p>Working off-site can take a toll on your professional network. To build your reputation, find mentors and collaborators, and connect with people in your industry, take advantage of some of the following networking resources. (See also: <a href="http://www.wisebread.com/15-simple-networking-tricks?ref=seealso" target="_blank">15 Simple Networking Tricks</a>)</p> <h3>1. LinkedIn</h3> <p>LinkedIn is one of those most common, popular ways to build and maintain professional relationships. It makes it so easy to network online with other professionals in your field. You can also use LinkedIn to find networking events and opportunities in your area, or connect you with organizations you are interested in.</p> <h3>2. Shapr</h3> <p><a href="http://www.shapr.co/" target="_blank">Shapr</a> is an app that can connect you with like-minded people, allowing you to swipe left (pass) or right (interested) on your connections. You can set your favorite ways to meet, your passions and interests, and what you're looking for (collaborators, job opportunities, inspiration, potential investments, or new friends).</p> <h3>3. Work Your Existing Connections<strong> </strong></h3> <p>Ask friends, past and current co-workers, or even your employer for recommendations on local networking events or seminars. Most cities have their own organizations that specialize in these types of events for working professionals of all kinds. If you can't find any from asking around, try a Google search, LinkedIn, or social media.</p> <h3>4. Take Classes</h3> <p>Consider taking a night class. In addition to growing your skills or teaching you something brand-new, you might befriend some fellow classmates along the way. Even online classes can connect you with new people with similar interests or background in your field.</p> <h3>5. Volunteer</h3> <p>Research some local organizations that could use a hand, and offer your time. Not only will you be contributing to a worthy cause, but you'll also be gaining experience (which looks great on a resume), expanding on your skill set, and of course, meeting new people. Volunteering allows you to become part of a community, which is a great way to expand your network.</p> <h2>Friendship Resources</h2> <p>If you don't get out much, maybe you should start! In the meantime, your smartphone or computer can also be the perfect friendly matchmaker.</p> <h3>6. Bumble BFF</h3> <p><a href="https://bumble.com/en-us/about" target="_blank">Bumble</a> was originally a dating app, but has expanded to include a &quot;Bumble BFF&quot; feature. Instead of swiping left or right on potential dates, you'll do the same for potential friends. Once you're paired with a new friend, you have only 24 hours to start a chat, so procrastinators and fair-weather friends aren't welcome.</p> <h3>7. Atleto</h3> <p>If you're looking for a workout buddy, then <a href="http://www.atletosports.com/#what" target="_blank">Atleto</a> can help you find local sports activities and fellow fitness enthusiasts. The app can connect you with friends from your existing social media accounts, or you can find new friends in your area. This is a fun way to find an accountability buddy to help you reach your fitness goal.</p> <h3>8. Friender</h3> <p><a href="https://frienderapp.com/" target="_blank">Friender</a> allows you to swipe left or right on potential connections. You'll create a profile based on personal interests and activities you enjoy, and Friender will recommend a few folks with mutual interests. This app is only for making friends, however, so you won't have to waste time with people who are looking for more.</p> <h3>9. Meetup</h3> <p><a href="https://www.meetup.com/" target="_blank">Meetup</a> is an online organization with nearly 30 million members that hosts endless gatherings and social functions. You can meet people based on your occupation, personal interests (like hiking or cooking), location, and other factors that are important to you. Join a local club, take up a brand-new hobby, or explore somewhere new, all while making new like-minded friends along the way.</p> <h3>10. Social Media<strong> </strong></h3> <p>There can be more to interacting with your Facebook friends than a simple &quot;like&quot; or the occasional comment. Reach out to those friends and old co-workers through Facebook, Twitter, and/or Instagram. Invite them out for lunch or drinks, and simply catch up. It'll feel great to get out and sit with people face to face.</p> <h3>11. Get Out More</h3> <p>Once you are no longer in school or working from an office, it can be challenging to meet new people in person. The best thing to do is visit places where connections naturally occur. Maybe find a book club through your local library, or sign up for that fitness class or 5K you've been aspiring to run. Try a local arts or cooking class, or even take your kids on a playdate where you can mingle with fellow parents. There are countless ways to meet new people if you just get out there!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/11-ways-freelancers-and-telecommuters-can-make-friends-and-network">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-5"> <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/8-life-skills-every-freelancer-needs">8 Life Skills Every Freelancer Needs</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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-ways-a-professional-association-can-boost-your-career">11 Ways a Professional Association Can Boost Your Career</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/6-gadgets-every-work-at-home-professional-needs">6 Gadgets Every Work at Home Professional Needs</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/how-to-convince-your-boss-to-let-you-work-from-home">How to Convince Your Boss to Let You Work from Home</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle apps events freelance friends networking relationships social media telecommute work from home Wed, 22 Feb 2017 10:30:36 +0000 Andrea Cannon 1896807 at http://www.wisebread.com 8 Terrible Work-From-Home "Jobs" You Should Avoid http://www.wisebread.com/8-terrible-work-from-home-jobs-you-should-avoid <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-terrible-work-from-home-jobs-you-should-avoid" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_computer_94970603.jpg" alt="Woman avoiding terrible work-from-home &quot;jobs&quot;" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working from home can be very rewarding, and it can provide the type of lifestyle you've been seeking. The number of remote jobs is also increasing, with 20 to 30 million people working from home at least one day a week. If you're ready to start working remotely, it's important to do your due diligence and use <a href="http://www.wisebread.com/tips-for-finding-legitimate-work-at-home-opportunities">reputable job sites</a> to find a legitimate work-from-home job.</p> <p>However, there are some work-from-home jobs that just aren't worth the time or energy. According to FlexJobs, there are <a href="https://www.flexjobs.com/blog/post/7-signs-dream-craigslist-job-scam/">60-70 scams for every legitimate job</a> opportunity, so we've covered some of the most common scams to help save you time on your search. When in doubt, if it sounds too good to be true, it probably is.</p> <h2>1. Stuffing Envelopes</h2> <p><a href="https://www.consumer.ftc.gov/articles/0112-envelope-stuffing-schemes">Stuffing envelopes is the oldest scam</a> in the book, dating back to the 1920s. Many people consider this to be a pyramid scheme that will end up costing you more than you make. According to the Federal Trade Commission (FTC), the only way to make money from this &quot;job&quot; is to persuade your friends and family to sign up for the same scam that you did.</p> <p>Often, you'll be required to invest in a starter kit, so you'll need to spend money upfront, and typically, the kit never even arrives. It is extremely rare that anyone actually makes money stuffing envelopes, and even if you did make money, it would be in the pennies, or you would only generate income if the mailings generate responses.</p> <h2>2. Craft Making</h2> <p>It may sound like fun to craft for a living, but you will often spend more than you make with these endeavors. If you are required to pay for your own materials upfront, this is a good sign that it's a scam. In fact, most of these companies are making money selling the starter kits, not selling the assembled product. Often, the company will claim that the crafts you assembled don't meet their specifications (even if you assembled them perfectly), so you won't get paid for your hard work and will be left with assembled crafts that you can't use.</p> <h2>3. Costly Billing</h2> <p>Any position that requires you to purchase expensive computer software or equipment upfront is typically a scam. Medical billing &quot;jobs&quot; typically require this. In fact, when it comes to medical billing, the vast majority of offices choose not to outsource their billing services to individuals in order to observe health care privacy rules. Instead, they opt for established companies with on-site, trained workers.</p> <h2>4. Check Cashing</h2> <p>Typically, these types of jobs will require you to cash a check in your personal bank account. You get to keep a portion of the check and send the remainder to the hiring company. In most cases, the check is a fake and you will be held financially responsible. Cashing a check for someone puts the full responsibility on you. This means that if the check bounces, it's your responsibility to repay the debt. Along with potentially costing you money, check-cashing schemes can be illegal.</p> <h2>5. Money Laundering</h2> <p>This scheme works similarly to a check-cashing scheme. You will be asked to transfer money in and out of your personal bank account. This money may have been acquired through illegal means, which means that you could be at risk of having criminal charges brought against you.</p> <h2>6. Filling Out Surveys</h2> <p>Completing online surveys may seem like fun, easy work, but you will only get paid pennies for each one &mdash; meaning it will usually take more than a day to make just $1. These companies usually don't pay out until you've made $20 or more, which can take weeks or even months. It's just not worth your time.</p> <h2>7. Reshipping Services</h2> <p>This &quot;job&quot; may sound simple enough. You are required to accept shipped goods to then repackage and ship them to new locations. However, the items have usually been ordered with stolen credit cards, which means that you could be at risk of prosecution for the transport of stolen goods.</p> <h2>8. Postal Jobs</h2> <p>While working for the post office isn't a scam in itself, one of the most common work-from-home scams is for hidden or &quot;previously undisclosed&quot; federal government jobs, such as post office positions. According to the Federal Trade Commission (FTC), any <a href="https://www.consumer.ftc.gov/articles/0083-government-job-scams">federal and postal job postings</a> should be free to apply to and can be found on <a href="https://www.usajobs.gov/">USAjobs.gov</a> or through the <a href="http://about.usps.com/careers/welcome.htm">USPS site</a>.</p> <p>Another common scam is paying someone to help you pass the postal exam. This exam is basically an aptitude test, so it isn't something you need to study for. Therefore, it doesn't make sense to pay for practice exams or tips to help you pass. Some companies will even offer a refund if you don't pass the postal exam, but then won't pony up when you do fail.</p> <h2>How to Avoid a Scam</h2> <p>The best way to avoid a terrible work-from-job is to do your research. Check the company out on the Better Business Bureau, look online for complaints or reviews, and think twice before spending any money on the position. You should be cautious of any job that requires you to <a href="https://www.consumer.ftc.gov/articles/0243-job-scams">pay money upfront</a> for supplies, training programs, or application processing fees. You should never have to pay to get a job. If the job title or description is generic or vague, this can also be a red flag. (See also: <a href="http://www.wisebread.com/6-ways-to-spot-work-at-home-job-scams?ref=seealso">6 Ways to Spot Work-at-Home Job Scams</a>)</p> <p>If you're confident that you're working for a legitimate company, but they still want you to purchase equipment or software upfront, inquire about the return policy if the position doesn't work out. Most importantly, you should never give out your credit card or bank account number to a potential employer. Another red flag is if they ask for any sensitive personal information, such as your social security number or driver's license number. Not only is this a red flag, but it may also put you at risk of identity theft.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-terrible-work-from-home-jobs-you-should-avoid&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Terrible%2520Work-From-Home%2520Jobs%2520You%2520Should%2520Avoid.jpg&amp;description=8%20Terrible%20Work-From-Home%20Jobs%20You%20Should%20Avoid"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Terrible%20Work-From-Home%20Jobs%20You%20Should%20Avoid.jpg" alt="8 Terrible Work-From-Home &quot;Jobs&quot; You Should Avoid" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/8-terrible-work-from-home-jobs-you-should-avoid">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-2"> <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/day-job-or-freelance-which-is-right-for-you">Day Job or Freelance: Which Is Right for You?</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/6-places-to-find-freelance-writing-jobs">6 Places to Find Freelance Writing Jobs</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</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/how-to-make-money-as-a-chat-or-forum-moderator">How to Make Money as a Chat or Forum Moderator</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting internet scams job hunting job scams job search scams side job work from home work from home jobs Tue, 04 Oct 2016 10:00:15 +0000 Andrea Cannon 1805245 at http://www.wisebread.com 6 Surprising Things You Still Can't Do Online in 2016 http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-surprising-things-you-still-cant-do-online-in-2016" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_20643848_LARGE.jpg" alt="you still can&#039;t do these things online" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's 2016. The digital age, right?</p> <p>Well, that's mostly true. There are more and more things that we can do online. And it's nice. Who wants to spend time standing in line when you can take care of business from the comfort and privacy of your own home?</p> <p>Still, every once in awhile, you run into something you can't actually do on the Internet. Here are the things I've found that you still have to do in-person.</p> <h2>1. Use Food Stamps</h2> <p>It has recently come to light that people using food stamps <a href="https://www.washingtonpost.com/news/wonk/wp/2016/07/15/the-simple-change-that-could-get-affordable-food-to-the-poor-people-who-need-it/">cannot purchase groceries online</a>. This can keep those who live in food deserts from obtaining healthy, unprocessed food. There are some movements online to change this but, for the moment, you have to show up in-person to buy groceries via a government program. While it might be harder to eliminate food stamp fraud, allowing food stamp use online would allow many Americans to eat healthier.</p> <h2>2. Make DMV Changes</h2> <p>This can vary a bit from state-to-state, but many places will not allow you to do things like <a href="http://www.carsdirect.com/dmv/dmv-online-what-you-can-and-cant-do-online">change your address online</a>. While some states will let you fill out an online form to make the change, you will still have to print it out and either send it in or take it to the DMV to get the change into the system.</p> <p>Since you can't usually change your address online, I suppose it follows that you can't take the written driver's test online. While this makes sense in terms of eliminating test fraud and cheating, it means that every single person who wants to take the driving test needs to make an appointment, making for crowded DMVs in many states.</p> <h2>3. Apply for a U.S. Passport</h2> <p>Similarly, you can input all of the information you need to get a U.S. passport online, but you can't actually submit the form. For that matter, you can't pay for it online, either.</p> <p>When it comes to passports, you have to submit your old passport when you apply for a new one. This helps eliminate fraud and helps the government track the different passports you have had. Since you can't send your passport through the computer, the government asks you to send your whole application packet together, by old fashioned mail.</p> <h2>4. Vote</h2> <p>While you can register to vote online, you can't actually cast your vote that way. It seems like <a href="http://www.scientificamerican.com/article/when-will-we-be-able-to-vote-online/">it would be a positive move</a>: more people would participate in elections, and the overall cost of having an election would go down.</p> <p>However, voter fraud is a real thing. While there are probably some ways to implement online voting that would at least make fraud hard, the government hasn't invested itself there yet. Some states, like Colorado, are starting to send every registered voter an absentee ballot, though. That way, you can vote from the privacy of your own home, even if you have to send the ballot through the mail instead of the wires.</p> <h2>5. Pay Some Utility Bills</h2> <p>I don't know about you, but I still have a couple of utility bills that I can't pay online. Instead, I have to either send a check or pay by phone. You would think that even small companies would permit online payment, but there are still those that don't.</p> <p>It seems like this is more common with small utility companies, like the family-owned trash company that services my area, or rural ones. If you can't pay online, try giving them a call. <a href="http://www.wisebread.com/the-6-monthly-telecom-bills-you-can-negotiate">Paying by phone</a> is almost as easy, and many companies are more than happy to let you use your credit card that way, so you don't have to have checks in order to pay your bills.</p> <h2>6. Register a Birth Or a Death</h2> <p>While you can often request documentation of a birth or a death via the Internet, you can't actually register either online. Even U.S. citizens born in other countries have to visit an embassy (or have parents do so) before they can get an official U.S. birth certificate or passport. For children born in the U.S., it's usually enough to have a hospital verify the birth and submit the proper paperwork, so the family doesn't have to actually present the baby anywhere.</p> <p>When it comes to birth and death, the chances for fraud are very high. Even with all of the cyber security that's possible these days, more birth and death certificates would be fraudulently issued if the process was available online. When someone is held accountable for issuing these certificates, fraud is less likely.</p> <p><em>Have you run into anything you can't do online? Do you think that's a good decision or not?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016">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-7"> <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/8-apps-that-actually-pay-you-to-shop">7 Apps That Actually Pay You to Shop</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/the-5-best-usb-powered-fans">The 5 Best USB-Powered Fans</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/3-reasons-why-buying-groceries-online-is-great">3 Reasons Why Buying Groceries Online Is Great</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/10-favorite-mail-order-websites">10 Favorite Mail-Order Websites</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/beware-the-nasty-secret-of-the-craigslist-free-section">Beware, The Nasty Secret Of The Craigslist Free Section</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology computer convenience dmv laptop online online shopping tech obsessed vote work from home Wed, 10 Aug 2016 10:00:09 +0000 Sarah Winfrey 1769233 at http://www.wisebread.com How to Find a Legit Virtual Assistant Job http://www.wisebread.com/how-to-find-a-legit-virtual-assistant-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-find-a-legit-virtual-assistant-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_virtual_assistant_45281194.jpg" alt="Woman finding a legit virtual assistant job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working as a virtual assistant sounds like a dream job. As a remote administrator, serving as a virtual assistant allows you to work from home in your pajamas when it suits your schedule. You get to do more varied work than an at-home customer service representative &mdash; you might manage social media accounts, book travel arrangements, create PowerPoint presentations, or take minutes during online meetings.</p> <p>Moreover, good virtual assistants can make an excellent wage from their homes. Because of how appealing this gig sounds, virtual assistant job listings are rife with scams and fraudulent listings.</p> <p>While some executives will hire virtual assistants on their own, most workers find clients through virtual assistant companies that connect business owners with contractors. The industry is expanding rapidly, and discerning the scams from the real companies is becoming increasingly difficult.</p> <p>Here are some tips to help you find out if a company is a legitimate business.</p> <h2>Check out the Better Business Bureau</h2> <p>While the virtual assistant company&rsquo;s page on the Better Business Bureau site may not be comprehensive, if they do have a presence on the page, that is a good indication that the business is a serious enterprise.</p> <h2>Review Their Website</h2> <p>If the page is littered with typos or broken links, that is a definite sign that the company is not legitimate. Also, pay attention to the company&rsquo;s contact information; if they list a phone number or email address, reach out to them and see if they work.</p> <h2>Do a Google Search</h2> <p>If a company is the real deal, a Google search will reveal other companies who use them, LinkedIn connections, and business profiles. If they are not reputable, you may find people complaining about them on social media or sites like <a href="http://www.ripoffreport.com">Ripoff Report</a>.</p> <h2>Visit GlassDoor</h2> <p><a href="http://www.glassdoor.com">GlassDoor</a> can be a great resource to see what current and past employees experienced at the company. They will share their experiences &mdash; both the good and bad &mdash; such as what to expect regarding salary, working conditions, and whether they got paid.</p> <h2>Understand the Interview Process</h2> <p>Scam gigs will hire just about anyone without much screening, so if you send in a resume and are immediately hired, that is a major red flag.</p> <h2>What to Expect From a Legitimate Company</h2> <p>As a virtual assistant, you will be closely working alongside executives and be privy to sensitive information. Real companies want to make sure you are a person of integrity and have the talent to do the job efficiently to maintain their reputation.</p> <p>A legitimate virtual assistant company is extremely thorough. You will likely have to submit a resume and cover letter, and then undergo an initial phone screening. From there, many companies will have you complete various tests and evaluations to test your speed, accuracy, and professionalism. It is not uncommon to go through second or even third interviews, usually through Skype or GoToMeeting. The entire process can take as long as two months.</p> <p>While the long interview duration can be time consuming, it is a good sign they are doing their due diligence and are an upstanding company.</p> <h2>Where to Find Real Virtual Assistant Jobs</h2> <p>There are a number of virtual assistant firms that are well-known and respected, who hold their virtual assistants to high standards, and pay them decent wages:</p> <ul> <li><a href="http://www.eahelp.com">eaHelp</a>: Virtual assistants mainly work with entrepreneurs, celebrities, and pastors. The pay ranges from $12&ndash;$18 an hour.<br /> &nbsp;</li> <li><a href="http://www.timeetc.com">Time Etc</a>: With Time Etc, you will do everything from book a family&rsquo;s vacation to write blog posts. Pay is usually around $11 an hour.<br /> &nbsp;</li> <li><a href="http://www.zirtual.com">Zirtual</a>: Unlike other companies, Zirtual assistants are full-time employees. While the pay is about $11 an hour, you are eligible for medical and dental benefits.<br /> &nbsp;</li> <li><a href="http://www.fancyhands.com">Fancy Hands</a>: While Fancy Hands is a real company, its structure is very different. They pay per task, with each task paying as little as $2 to $7.<br /> &nbsp;</li> <li><a href="https://www.99dollarsocial.com/content-specialist-position/">99 Dollar Social</a>: Unlike other virtual assistant positions, 99 Dollar Social&rsquo;s representatives solely update social media accounts for clients. The pay is approximately $12 an hour.</li> </ul> <p>For many people, getting a job as a virtual assistant is a great way to earn extra income or even transition to working full-time from home. However, because these roles are so attractive, you need be aware of how many scams there are that will try to steal from you. Carefully research potential employers and check out the established and reputable companies to make sure you get paid for the work you do.</p> <p><em>Have you worked as a VA? Tell us about it in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-find-a-legit-virtual-assistant-job">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-3"> <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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/8-terrible-work-from-home-jobs-you-should-avoid">8 Terrible Work-From-Home &quot;Jobs&quot; You Should Avoid</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/get-paid-real-money-from-virtual-work">Get Paid Real Money From Virtual Work</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/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone">7 Work-From-Home Jobs for People Who Hate Talking on the Phone</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/how-to-make-money-as-a-chat-or-forum-moderator">How to Make Money as a Chat or Forum Moderator</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting flexible schedules job listings scams telecommute virtual assistants work from home Mon, 18 Jul 2016 10:00:18 +0000 Kat Tretina 1753208 at http://www.wisebread.com 8 $100k+ Jobs You Can Do Online http://www.wisebread.com/8-100k-jobs-you-can-do-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-100k-jobs-you-can-do-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_makeup_kit_000084480065.jpg" alt="Woman finding online jobs that can earn $100K" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Work no longer has to be a place. As the world of web-entrepreneurship and digital nomadic life becomes more and more mainstream, people are starting to realize that it's easier than ever to make good money online. These aren't get rich quick schemes by any means, and it will take a considerable amount of time and commitment to truly excel in these fields, but who doesn't want to earn $100K per year from virtually anywhere in the world? Here are five jobs that can help you do just that.</p> <h2>1. Travel Blogger</h2> <p>If you thought that travel blogging was just a hobby, you're not alone. In fact, before I started <a href="http://www.goatsontheroad.com/">my travel blog</a> in 2011, I had no idea that I would one day be earning over $10,000 a month after tax, doing what I love.</p> <p>The great thing about becoming a travel blogger is the perks that come along with the salary. $100,000 a year sounds great, but when you couple that with airlines flying you for free and tourism boards paying for all of your accommodations, food, and travel, it's pretty much the ultimate dream job.</p> <p>Travel bloggers who are doing it right barely have any day-to-day expenses, despite the fact that they&rsquo;re living a life fit for millionaires. Because there are literally thousands of travel blogs online, the market is definitely saturated, but that doesn't mean it's impossible to etch out a niche and make real money from this line of work.</p> <p>If you want to leave your cubicle behind and turn the world into your office, consider learning <a href="http://www.goatsontheroad.com/how-to-start-a-travel-blog/">how to start travel a blog</a> today. It could change your life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Matt Karsten &mdash; <a href="http://expertvagabond.com/paid-to-travel-world/">Expert Vagabond</a></li> <li>Caz and Craig &mdash; <a href="http://ytravelblog.com/">yTravelBlog</a></li> <li>Natalie Sisson &mdash; <a href="http://suitcaseentrepreneur.com/">Suitcase Entrepreneur</a></li> <li>Nick &amp; Dariece - <a href="http://goatsontheroad.com">Goats On The Road</a></li> </ul> <h2>2. Internet Poker Player</h2> <p>If you love a good game of five-card stud, this job may just sound like it's too good to be true. The fact that you can sit on your computer and play digital poker, while looking out at a Caribbean beach, is a dreamlike thought for sure.</p> <p>But for online gamblers like Patrick Leonard, it is not uncommon to have single days where winnings break the $100,000 mark. Forget making more than six-figures per year, this guy once earned $220,000 on a rainy Sunday afternoon in Hungary (where he currently lives).</p> <p>It should be noted that most estimates point to 90% of all online poker players coming out on the losing end, which is why online poker sites make so much money. But if you're a freakishly good poker player like Patrick, you could make it rain digital dollars all over the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Diego Ventura</li> <li>Patrick Leonard</li> </ul> <h2>3. Web Designer</h2> <p>Designing websites can be a lucrative career, especially if you build a name for yourself and you start having big brands knocking on your door, asking you to pimp their blogs. Of course becoming a web designer isn't something you can do overnight.</p> <p>Have you ever seen the code behind a website? It's an entire language that you have to learn before you can start to customize the look of the web. But if you have a background in CSS, HTML, PHP, and other geeky web acronyms, then you can probably earn a good living from your computer, no matter where you are in the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Scott Eldridge &mdash; <a href="http://www.eldowebdesign.co.uk/">Eldo Web Design</a></li> <li>Preston Lee &mdash; <a href="http://millo.co/">millo.co</a></li> <li>Paul Jarvis &mdash; <a href="http://creativeclass.io/">creativeclass.io</a></li> </ul> <h2>4. Day Trader</h2> <p>For some reason, the sound of day trading on the stock market already has a wealthy ring to it. You may picture a dude with slicked back hair, holding a glass of scotch while betting on the changing stock market from a five-star hotel in Maui. Well, if you go to successful day trader <a href="http://wanderingtrader.com/about/">Marcello Arrambide's website</a>, you'll see just that.</p> <p>Like online poker playing, making money as a day trader is a gamble and if you have no prior experience, you're likely to lose before you gain &mdash; but this job is no joke. Some top earners are making upward of $20,000 a month, and they can do it from anywhere that has a decent Wi-Fi connection.</p> <h3>$100K+ Examples:</h3> <ul> <li>Marcello Arrambide &mdash; <a href="http://wanderingtrader.com/about/">The Wandering Trader</a></li> <li>Steve Gomez &mdash; <a href="https://www.youtube.com/user/sgomez858">Today Trader</a></li> </ul> <h2>5. Travel Writer</h2> <p>The difference between a travel <em>writer </em>and a travel <em>blogger </em>is that a travel writer is getting paid to write for other publications, while a travel blogger is probably making most (or all) of their income from writing on their own site.</p> <p>Earning six figures a year as a freelance writer is a difficult job indeed. Tim Leffel, one of the world's leading experts in travel writing, explains that making money as a freelance writer is truly a world of feast and famine. One minute you can have numerous publications waiting to feature you, while the next, you may be barely earning anything, just waiting for an assignment.</p> <p>Despite the relative uncertainty of income, some of the world's top-earning travel writers do take home $100K a year or more and they live a life that many of us could only dream of. Exploring the world, getting published in big magazines, and sharing their stories and adventures with millions of people. What a life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tim Leffel &mdash; <a href="http://travelwriting2.com/about/">Travel Writing 2.0</a></li> <li>Carol Tice &mdash; <a href="http://www.makealivingwriting.com/about-carol/">Make a Living Writing</a></li> </ul> <h2>6. YouTuber</h2> <p>If you read the word &quot;YouTuber&quot; and immediately thought that there's no way anyone is making real money from uploading videos to YouTube, you might just pass out when I tell you that the top earning YouTuber, Felix Kjellberg, is grossing over $12 million per annum.</p> <p>The 25-year-old Swede runs the popular gaming channel PewDiePie, and he is not alone in making millions of dollars from Internet videos. Rhett McLaughlin and Charles Lincoln Neal III made over $4 million in 2015 and there are literally dozens of other creators making seven to eight figures per year from their YouTube channels.</p> <p>For channels to earn this much money, they have to have a huge following. The top 10 YouTubers have a combined subscriber base of more than 230 million viewers and their most watched videos have had more views than the 2015 Super Bowl.</p> <p>Taking all of this into consideration, it's no surprise that these artists are making big money. If you're just starting out as a YouTuber, it may feel like you have nobody watching your videos, but if you promote yourself and market your channel properly, you could one day earn a solid income from embedded ads and sponsorships.</p> <h3>$100K+ Examples:</h3> <ul> <li>Felix Kjellberg &mdash; <a href="https://www.youtube.com/user/PewDiePie/videos?view=0&amp;flow=grid&amp;sort=p">PewDiePie</a></li> <li>Rhett and Link &mdash; <a href="https://www.youtube.com/user/rhettandlink2">Good Mythical Morning</a></li> </ul> <h2>7. App Programmer</h2> <p>Have you ever played the game Candy Crush on your smartphone? While you were aligning jelly beans and stopping chocolate blockers, you probably weren't aware that the app currently earns an estimated&nbsp;<a href="https://thinkgaming.com/app-sales-data/2/candy-crush-saga/">$1,176,816 per day</a>.&nbsp;</p> <p>Of course, the average programmer isn't going to make as much as Toby Rowland, the creator of the Sugar Crush Saga, but there are many app developers out there making good money from their digital creations.</p> <p>Simon Fairbairn and Erin McNeaney of <a href="http://www.neverendingvoyage.com/">Never Ending Voyage</a> have created a brilliant travel app called <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8">Trail Wallet</a> that is selling very well in the App Store and earning them a reliable income. The app helps travelers to track their budget and has been downloaded thousands of times from the app store.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tasnim Ahmed &mdash; <a href="https://itunes.apple.com/us/app/santa-claus-merry-christmas/id764935420?mt=8">Santa Claus Photo Booth</a></li> <li>Ethan Nicholas &mdash; <a href="http://appadvice.com/appnn/2009/02/ishoot-developer-makes-600000-in-one-month">iShoot</a></li> </ul> <h2>8. Affiliate Marketing Guru</h2> <p>What is affiliate marketing? According to Pat Flynn, founder of the <a href="http://smartpassiveincome.com/">Smart Passive Income Blog</a>: &quot;It's the process of earning a commission by promoting other people's (or company's) products. You find a product you like, promote it to others, and earn a piece of the profit for each sale that you make.&quot;</p> <p>Forget earning $100,000 a year, Pat earns that every month and he does so using a passive income model, which means he doesn't spend every waking hour of his life on his computer. His blog is the most informative on the subject and he helps to teach others how to make a full-time income from affiliate sales.</p> <p>While having a blog with a huge amount of traffic like Pat's definitely helps to generate sales, there are plenty of people with much less traffic who are still making a lot of money through affiliate marketing. If earning money in your sleep sounds appealing to you, you may want to check out Pat's blog and consider starting your own blog today.</p> <h3>$100K+ Examples:</h3> <ul> <li>Pat Flynn &mdash; <a href="http://www.smartpassiveincome.com/">Smart Passive Income</a></li> <li>Steve Scott &mdash; <a href="http://www.stevescottsite.com/affiliate-marketing-strategies">SteveScottSite.com</a></li> </ul> <h2>You Can Do It &hellip;</h2> <p>These jobs may have once been reserved for people with fancy degrees, a background in technology, or Internet geniuses, but these days there are enough resources online that pretty much anyone can make money from their computers.</p> <p>Like the people in the examples above, you could work hard and one day be earning a six-figure income from your laptop. The great thing about computer work is that you can start it in your free time, while you&rsquo;re still working your normal job. If your online business takes off, you can retire to a life of digital freedom.</p> <p><em>Have you or someone you know earned a good income online? How did it work? Share with us in the comments below.</em></p> <h2 style="text-align: center;">&nbsp;Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-100k-jobs-you-can-do-online&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520100k%2520Dollar%2520Plus%2520Jobs%2520You%2520Can%2520Do%2520Online.jpg&amp;description=8%20100k%20Dollar%20Plus%20Jobs%20You%20Can%20Do%20Online"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20100k%20Dollar%20Plus%20Jobs%20You%20Can%20Do%20Online.jpg" alt="8 $100k+ Jobs You Can Do Online" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-100k-jobs-you-can-do-online">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-2"> <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/7-work-from-home-jobs-for-people-who-hate-talking-on-the-phone">7 Work-From-Home Jobs for People Who Hate Talking on the Phone</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/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</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/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</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/10-signs-your-company-is-going-under">10 Signs Your Company Is Going Under</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/how-to-make-money-as-a-chat-or-forum-moderator">How to Make Money as a Chat or Forum Moderator</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting day trader high paying jobs online jobs poker six figures travel work from home YouTube Mon, 20 Jun 2016 10:30:05 +0000 Nick Wharton 1721733 at http://www.wisebread.com