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In the gig economy, it’s more and more common for people to find ways to augment their primary income with a side hustle from home.
45% of working Americans report having a side hustle. That amounts to roughly 70 million people.
So odds are that you are no different and you may be looking for a new side hustle to make a quick $60 as soon as today.
Many of the strategies I list here are only as time-intensive as you want to make them, and they are pretty easy to get started from the comfort of your house. Best of all, they can bring real value and profit.
Here are the best side hustlesfrom home with the potential for major profit.
Best Side Hustles from Home
In case you wanted to get started with some quick wins — here are some legitimate websites that’ll pay you just for signing up:
Survey Junkie: Earn up to $50 per survey with one of the highest-paying survey sites on the web. Join Survey Junkie Now
Next, we’ll move on to other ways to earn money with side hustles. Here is a list of the best side hustles from home for 2020.
1. Make Money Fast Taking Surveys at Survey Junkie
Survey Junkie has over 11 million members and pays them for taking surveys, trying out new products, and listening to music.
Joining Survey Junkie in order to score cash fast is a no-brainer. If you stick to the higher-paying surveys then you can likely get your first payout today. You only need 1,000 points to cash out, or $10.
There are so many short-form and long-form surveys to choose from, and you can get paid through PayPal or gift cards.
How to make $20 fast? Signup for Survey Junkie, take high-paying surveys and earn money fast. You can also get a registration bonus here.
Survey Junkie is a great way to make extra cash if you need it by today or tomorrow.
2. Collect a $10 Sign Up Bonus at Swagbucks
If you want another side hustle from home then give Swagbucks a shot. You’d be silly not too as the site has already paid out $441.9 million to its users.
Plus, you won’t be limited to only surveys with this rewards site — in fact, you can earn $20 fast simply by watching entertaining videos, searching the web, and even playing games. You earn ‘points’ that you can redeem for gift cards or for cash through PayPal.
Simply sign up and score a $10 signup bonus then start watching videos or playing games and earn quick money online. Don’t believe me? A Huffington Post report says users are earning $600 per month with this site.
4) Download the Nielsen Mobile App and Collect $50
One of my favorite apps that not many people know about is Nielsen. If you have a cell phone or laptop then you can earn $50 fast right now. All you have to do is register for free (they’ll track your browser usage) and you’re set to earn $50 per year passively.
It’s really noninvasive, requires basically no storage, and won’t impact your device performance. After you installed the app, just use the internet as you usually would (but now you’re getting paid — cha-ching!).
Nielsen gives out $10,000 each month so you can win real money for about 60 seconds of work. A no brainer.
5) Make Money Fast for Playing Games with Mistplay
We all heard the old saying “time is money” right?
Instead of playing games on your phone like everyone else and feeling bad for wasting your time — now you can get paid money fast for it.
Getting paid for playing games sounds like a dream. But if you download a free new app, and then download games from it and play, you earn money.
As you level up you can earn more money for cash rewards or gift cards.
This is a great opportunity for those looking to get paid for something they enjoy, like winning free gift cards and cash for playing games. I use it and it is legit and has over 131,404+ positive reviews in the Google Play store.
If you’re interested, I recommend you download the app from the Google Play store for free by clicking here.
6) Make Money Fast Searching the Web with InboxDollars
InboxDollarsis a market research company that’ll pay you money to search the web (using their search engine) instead of using Google or Bing. So if you search the web for a few days and other tasks like playing games, watching videos, or taking online polls — you can make extra money online.
While you won’t get rich — you can surely make money fast online by using this side hustle idea.
Gig economy workers are the real winners in the COVID-19 era, as the demand for food delivery is booming.
If you wanted to cash in and earn over $100 each day — here are the best food delivery apps that pay the most:
DoorDash: DoorDash is the #1 food delivery app to make money delivering food. You can earn on your bike or even by walking and make up to $20 an hour.
Instacart: If you have a car then you can use it to deliver groceries with Instacart. Just log into the app whenever you want to make extra cash and the orders will come. You can earn $20 an hour.
Postmates: Postmates is another popular option to make money delivery groceries, takeout, or even alcohol. Plus, there is no dress code so you can wear whatever you want during deliveries.
If you do plan picking a delivery app to make extra cash in your free time, consider driving for multiple food delivery apps at the same time in order to be more profitable and make more money in between orders. If you haven’t yet, click here to sign up for Instacart, DoorDash and Postmates!
10) Cut $20-100 From Your Monthly Bills
Want another quick way to make $20-100 fast simply by lowering your bills?
If you could use creative ways to save money in your life right now then you should consider using apps that’ll help you legit lower your bills.
That might sound too good to be true but you can literally pay less on your cell phone, cable, security or other bills.
These companies will negotiate the lowest possible rate for you – no headaches, just savings! They even get you refunds when your internet goes down!
Truebill is your automated financial assistant, putting you back in control of your money. Review spend, manage subscriptions, lower bills, and track your budgets all in one place. The #1 money saving app to lower your bills.
Trim negotiate your bills, give back 4% interest on savings, cancel old subscriptions, and more.
Billshark gets you the best rate on your bills and you can save up to $3,000/yr. No fees unless lowered and they have a 90% success saving rate.
If you love saving money then use these money-saving ideas to generate ideas about the best ways to save money in your day-to-day life.
11) Use Game Apps to Win Real Money
What’s better than a side hustle that’s actually fun, like playing games on your phone? There are games that pay you to play – yes, I am serious.
These 3 apps will pay you to play games on your mobile device:
Mistplay (Android) – If you have an android device, you can download this app and start getting cash rewards for playing new games.
Solitaire Cube (iOS) – Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing solitaire with cash rewards.
Lucktastic (Android) – This free app offers the same daily scratch-off cards that you find at your local convenience store — but here you can play for free and win real money.
Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account. This bank account is legit and only takes two minutes to sign up for an account.
Robinhood: This investing app lets you trade stocks and do everything for free and takes no fees — ever. Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).
14) Affiliate Marketing
Another one of the best side hustles from home is affiliate marketing. By promoting a company’s products through banner advertisements, article links, email blasts, and more, you can earn a good chunk of change through affiliate marketing.
With affiliate marketing, you make a commission for every person who clicks on your ads and makes a purchase.
To get started, choose a clear product niche, research companies looking for affiliate marketing partners like the Netflix Affiliate program or Survey Junkie Affiliate program, and then develop your marketing strategy for your niche/products.
You’ll have to learn how to add tracking codes to your advertising links, and it helps a ton to know about some basic marketing channels and methods.
How much you make through affiliate marketing varies a lot, but the most successful people understand their niche, the best marketing approaches for it, and have an established methodology.
15) Selling on Sites Like Amazon
Selling goods on third-party sales sites like Amazon can be a great way for someone without even with a website to make good money.
There are many ways to go about this. Established businesses will simply use Amazon as an extra digital sales channel, while people without a business or website will use it as their main sales channel.
If you’re just getting started out, you can learn how to make money on Amazon FBA and brainstorm what type of products you want to sell and how you will manage a profit from them.
Some people watch for clearance sales, buy tons of products for cheap, and then flip them for a profit.
Another method is to buy products in bulk from places like Alibaba to snag discounts, and then turn around and re-sell them at a higher price.
Depending on your profit margins, you may have to work with higher quantities to really haul in the cash.
One person made $1,1379.79 one month by flipping iPhones. Just make sure that you keep the fees into consideration.
More people are turning to drop shipping with companies like Shopify, and for good reason.
Basically, you create partnerships with companies that dropship, and then instead of buying your inventory, getting it, finding your customers, and then shipping it to them, you simply find the customers and place the orders for them on your partner’s site.
Dropshipping means that you never have the actual product yourself, which also means you don’t have to store it, either.
This business method is a great way to get started with very low startup costs. You will probably have to scale a bit to make solid money, but that’s a lot easier to manage with less overhead.
You may be surprised how well you can grow your income with blogging. There are several ways to monetize your blog.
Obviously displaying advertisements on a well-trafficked blog is a classic approach, but you can also make money by adding affiliate links to products, by publishing sponsored posts that promote a product, or even by writing promotional articles for companies and posting them on your site.
Bloggers can be quite successful financially if they develop a large following. For you to succeed as a blogger, however, it’s best if you really love writing about your subject, are social-media savvy, and thrive when interacting with a community.
Always remember that you aren’t just building a mailing list or reader base, you’re building a community.
18) Trading Stocks
Long-term investments using investing apps like Acorns or Betterment take time to see the payoff, but day trading or swing trading brings those profits much more quickly.
Though trading is probably the riskiest of the side hustles on this list, it is also one with perhaps the highest earning potential.
To start off, you will need to have the capital to play with. If you don’t have a huge chunk of capital sitting around, proprietary trading firms like Maverick Trading let you use their capital to trade with, while they take a percentage.
You will want to learn how to read a stock chart, understand how to vet a company’s fundamentals, and immerse yourself in the lingo.
There are a lot of trader communities out there with valuable information on how to get started.
19) Earn Money with User Testing
User-testing is a research conducted by firms to improve their customer experience.
Businesses are willing to shell out quite a few bucks to understand if their product/service effectively satisfies the customer demand before officially introducing it in the market.
They will tell you how many minutes you need to watch the video for and you might also be asked to like the video.
While you not going to make a career out of it, it’s very easy money for pressing a few buttons on your phone in your free time.
There really is no limit when it comes to the question of how to make money online.
You can make around $500 a month by spending 15 minutes a day on surveys.
21) Earn Money with Uber and Lyft
If you’re free nights and weekends, you can earn extra cash driving your fellow citizens around.
You can earn money by driving with Uber – if you have a car, it’s a perfect way to make a good amount of extra cash whenever it’s convenient for you.
A lot of people do this full time, so you can imagine that’s it definitely possible to do this on the side and make extra money and be able to save it.
Once you’re a driver you can choose to turn the app on or off and drive whenever you have some time to spare.
They also have a feature that allows you to select your destination, so if you are leaving work (or any other long commute), you could pick up a ride that was going in the same direction.
You can do this 2-4 times a week on your commute and can easily make up to $400 each month and save it all.
22) Host Sales Parties
Like a door-to-door salesperson only with far less leg-work, hosting sales “parties” at your home on behalf of the likes of Avon and Pampered Chef is a great way to meet new people and make some money.
23) Get Paid to Walk Dogs
This one is for all the animal-lovers out there! Dog-walking has 3 lucrative benefits – You get to spend time with your four-legged friends and you yourself get some exercise.
You can find dog-walking gigs onRover, Job monkey and We love pets (exclusive to UK).
Thrifty shoppers are always on the lookout for discount deals and offers. It’s a smart way to save money while you shop. Some people see it as a hobby but to others, it can be a bit daunting. Thankfully, couponing is fast gaining popularity and the emergence of cash back websites like Piggy make it easy for all types of shoppers – misers and spendthrifts – to find creative ways to save money while shopping. We’ll learn more about it in this Piggy review:
What is Piggy?
You can get started by downloading the Piggy app here, then it will automatically scour the internet for discount deals for you when you shop online. Piggy was created in 2014 and widely increased its popularity since then.
Shoppers have two options:
1. Install the mobile app – search for Piggy for Android or Piggy for iOS
2. Use the browser extension – add it to your preferred browser. On Safari and Firefox, all you need to do is to download the app and install it.
You can then stop searching for promos and discounts, piggy does all the work. It’s user-friendly, simple and so easy to use.
How Piggy works?
Piggy has partnerships with popular websites like Amazon, Macy’s, eBay, Walmart, Microsoft Store, Sephora, and JCPenney as well as thousands of other retailers.
Once you install the app or use the browser and shop online at any of Piggy’s retailers, the Piggy extension will light up to notify you that there are coupons available. Click on the scissors symbol to copy the coupon and get your deal at checkout. It’s simple.
Can you save with Piggy?
Yes! Depending on the retailer and what item you are buying you can save as much as any discount deal can offer – 10%, 20% or even more.
Piggy also runs a cash back reward program. Rewards earned are sent to users quarterly in cash. Users can also earn easy money by participating in any of Piggy’s referral bonus programs and sharing the browser app with friends and family.
All you need to do is to go to your account, select referrals in the top right corner of your screen and choose the method you wish to share with family and friends. You can even get started with a $5 bonus (if you download the app).
Monitor your savings
You can see your total savings in your account from your app or your browser. This is enough motivation for you to keep shopping with Piggy and when you have any concerns, just send a message through ‘Contact Us’ section on the site and you will be attended to.
Is Piggy legit?
Shopping with Piggy is a win-win situation. You will always shop for one thing or the other, so why not shop in a smarter way? A dollar saved is two dollars earned.
The good thing is that Piggy does not limit you to some shopping categories. You can have discounts on items in all categories including accessories, automotive, clothing, beauty, electronics, jewelry, shoes, and even travel.
Is Piggy for you?
The question is: do you shop online and do enjoy having discounts? If your answer is yes, then try Piggy for free. You’ve got nothing to lose.
Wondering how to save money? Here are 14 helpful money-saving ideas for families that’ll help you find new ways to save money starting as early as today.
There can be tremendous opportunities from trading in the silver market, assuming you do it well. With a product so rich in trading history, it makes sense to have continued confidence in the market.
As technology and trading efficiency continue to advance, traders are becoming more and more interested in trading silver, gold, and other highly valued staples of trading. Part of the reason why this appeal remains so strong is the emergence of top CFDs broker firms like TradeFW. These trading markets and opportunities have helped bring silver trading to the modern generation and ensure it still remains one of the most sought after trading markets. But let’s start from the basics.
The Basics of Silver Trading
Getting started with silver trading has been made much more accessible thanks to the increasing popularity of CFD trading. This means you can easily trade in the silver market as a pair against the US Dollar. After an easy registration process through the likes of TradeFW, you will be ready to get involved in online CFD trading in a matter of minutes. This applies in the markets for both silver and a wide range of other trading products.
Learning how to trade silver is also something which more and more traders can easily do. With any top broker providing excellent additional resources to supplement learning about silver options trading, CFDs, and the markets in general, there has never been a more open and transparent time to enter the market.
Trading silver through a CFDs broker also allows for extensive leverage of up to 1:20 with TradeFW. This would not be imaginable in the traditional trading market. Added to that, the fact that the Metatrader platform makes online silver trading easy to engage in with its fast, and flexible ordering capability, and there is no reason not to start trading.
Is Silver Price Headed in the Right Direction?
Silver trading price is enjoying some bullish movement at the moment after a period of uncertainty. Generally speaking, forex silver price, when paired with the US Dollar, makes for an attractive investment to many traders. The reasons behind this are due to the fact that silver is often viewed as a very stable, yet liquid investment. The price of silver is more attractive than that of gold for traders who can seize the opportunity to purchase higher volumes of silver, yet still, benefit from its relative stability in the long term.
Investing in silver within the context of the CFD trading market also makes sense for many traders. It can be somewhat volatile in terms of short-term price movements. This can produce significant opportunities for traders who are seeking to profit within the CFD market.
Silver trading has always produced reliable returns in the long-term market also, and there is every reason to believe that the demand for silver will continue to be supported. This is particularly true in moments of financial or political instability where investors typically move toward gold and silver trading as a safe-haven.
Risks and Potential
Within the CFD trading markets, leveraged silver trading can function as both a risk and potential benefit for silver traders. Platforms such as TradeFW allow for leveraged trading of up to 1:20 on precious metal CFDs such as gold and silver. This provides traders with considerably more buying power than they would have in the traditional market. Naturally, this also presents a risk in terms of volatility; however silver has always shown a reliable degree of consistency in the long-term.
Silver has also risen approximately 15% in the last 3 month period. This is expected to increase further as trader’s sense value in the current pricing. Much like gold, silver price tends to trend upwards in times of political uncertainty. Although the US economy and US Dollar are performing well at the present moment, there is a sense of continuing political uncertainly which sees investors continue to place their trust in precious metals. With other world economies also continuing to emerge and grow, there is likely to remain a strong demand for investments which are considered very secure, yet flexible enough to readily trade.
Given the current geopolitical climate and the fact that many believe silver is still undervalued comparative to demand, the current time appears to be ideal for both new and experienced traders who wish to enter the CFD silver trading market.
Ultimately, the silver trade is one of the oldest global markets and once which has displayed consistency spanning generations. Gaining a fundamental knowledge of how to trade silver, and engage in the CFD market through TradeFW or another top broker, is something which can serve as an excellent cornerstone in the career of any trader. The present moment also appears to be ideal in terms of timing for those who anticipate a lucrative increase in the value of silver.
Looking at Lucktastic (assuming the conceptual use of words as Luck is Fantastic) it all seems fairly simple and straightforward. This scratch-off app is for Android and iPhones and you can play scratch games online.
Even better, it’s free.
So what’s the catch?
It is another, but one of the biggest rewards apps (over 337,777+ reviews in the Google Play Store) that you use to exchange your time for cash. Instead of doing surveys or viewing ads after ads (although there are still a lot of them), you can scrape virtual tickets every day to get rewards.
Potential rewards vary from one card to another, but each card will give you real money or a portion of the app’s virtual currency that you can use to redeem gift cards when you have enough. If you have used a survey application before, you already know the problem. Most of them are legitimate, not a scam, but they always take a lot of time to make $20 fast.
Before you lose a week of your free time to an application that may not be worth anything, This article will give you an honest Lucktastic review so you can decide if you want to add it to your side hustle arsenal.
Here are the basics of the app:
App Store Rating: 3.9 – 7,384 reviews
Google Play Rating: 3.8 – 338,049 votes
Payment Methods: Paid in gift cards, or cash via PayPal
How can you win money? Unlike other win free money apps, with Lucktastic (Android), you don’t waste time. This is one of the best scratch off apps that pay real money. You only have to scratch cards once a day and it’ll only take about 5 minutes! For every 30,000 tokens, you can get a $5 gift card which is an amazing deal considering the fact that you’re not really doing much.
Type: Make money app
Price: Free (completely free)
Is Lucktastic Legit?: Yes
Is Lucktastic a waste of time?
The fastest way to connect to one of these applications is to have a tedious and complicated registration process. Fortunately, this is not the case with Lucktastic (iOS and Android). To begin with, you only need your zip code, and you must be in the United States.
After this, you can immediately start playing to see if you like the app.
The app stores all coins and money you have, even if you are not registered, as long as you have it in hand, but you cannot redeem a reward before you have registered. To sign up, you need an e-mail address, your name, or you can use your Facebook account if you want to avoid all of this together.
I advise you to register usually and not to use the Facebook option. It can be faster, but it opens your information for more people than it should and can put your privacy and account at risk.
After following the e-mail you have sent, you are ready to use Lucktastic. It is an extremely user-friendly application that is difficult to leave due to its addictive nature.
Odds of winning
Don’t expect to become a millionaire (obviously). So what are the odds of winning, and how are winners selected?
“Winner Selection Methodology: Computer-generated potential winning time(s) will be randomly selected for all prizes. if you are the first person to play at or after a winning time, you will win a prize. Winning times will be generated consistent with user traffic estimates and may not be evenly distributed throughout the Promotional Period.”
Okay, so at a random time… Let’s say December 23, at 7:49:32 AM EST, that is a winning time (probably isn’t actually a winning time), then the first person to scratch after that time will win $50.
It actually really makes sense if you think about it.
Is Lucktastic worth it?
If you plan on scratching all the cards each day, no. You will probably not win anything worthwhile. Maybe some tokens (25 tokens is easy to win because there are a lot of prizes for it).
“However, I personally love Lucktastic for the daily bonuses. If you do the math, the daily bonus is actually pretty generous. Just save up for the instant gift cards.”
Is Lucktastic scam or not?
Lucktastic is not a scam, but there seems to be a lot of “chancetastic” scamming around. The reason is that there are people who claim to be Lucktastic representatives who contact users who claim to have won prizes if they have not done so. They will then ask the user to provide personal information and will sometimes tell them to pay a small fee to receive their prize.
You need to have an Android or iPhone device to use the game app to win real money. Even with their token system, you will have a hard time using the gift voucher options. Because it is so easily accessible from your phone and you can play virtually anywhere for a few minutes, it can be fun to do it during your free time or when you wait (at the doctor, while waiting for the start of the class, during a work stoppage). To chalk it up, it’s not a scam.
How do you make money on Lucktastic?
It really depends.
So Lucktastic has two different currencies: cash and chips. Money can be redeemed immediately if you have a dollar or more through three different methods, with more to come. Tokens are used to participate in sweepstakes and to win digital gift cards if you have a lot of them.
How do you get one or the other currency? If you want money or chips, luck is the name of the game and the name of the app now that I think about it. Every day you receive a certain number of tickets with a scratch theme that you play against money or chips, but each card has a guaranteed number of chips to win.
At the beginning of almost every ticket, there is a video or image ad that usually lasts fifteen to thirty seconds. Once the announcement is complete and you close it, you can scratch your ticket and, if you are lucky, claim winnings.
At the same time, you can install other selected apps via ads or another page of the app to get a token bonus that is usually higher than anything you earn with a ticket.
So if this app is legit, there has to be winners right?
While this is definitely encouraging for users, I only wish that this page was updated more often. The last winner video was from May 2019. However, there are plenty of recent reviews in the Google Play Store and Apple Store to make up for the lack of updated featured cash winners on the company’s website.
7 Apps like Lucktastic to win real money
There are a bunch of other scratch off games like Lucktastic out there, but not all of them are legit and actually pay out. Here are Lucktastic alternatives that you can trust.
These are mainly scratch-off games, but there are other game apps that pay you real money.
These 2 apps will pay you to play games on your mobile device:
Mistplay (Android) – If you have an android device, you can download this app and start getting cash rewards for playing new games.
Solitaire Cube (iOS) – Earning money by playing games on your phone sounds like a dream. But this app really pays you for playing solitaire with cash rewards.
Do you really win money on Lucktastic?
To summarize our Lucktastic review, Lucktastic is a scratch card and reward app available for iPhone and Android users in the United States. It is free to download and play, and there is not even an in-app purchase required. The problem, however, is that you will spend a lot of time looking at ads (mainly for other apps) before you can read any scratch cards.
That being said — Lucktastic is absolutely no scam, and I like this app. This is a legitimate and fun application that allows you to earn real money, but there is not much potential to win (what is expected).
But remember, the makers of Lucktastic want to make money. Your chances of making serious money are therefore minimal.
Prosper is a leading online lender that offers personal loans fast and with competitive rates. Prosper is a peer-to-peer lender, meaning your loan typically will come from individual investors.
Prosper offers unsecured personal loans that can be used for almost any purpose, including debt consolidation and home improvements. The loans require a fixed monthly payment over three or five years.
Just to begin our Prosper review, If you are hoping for a deposit on the same day, Prosper is not the lender for you. Because your loan is paid by several investors instead of one, you will not receive your money immediately.
But that doesn’t mean that you can’t get access to money quickly. On average, borrowers receive their funds within 5 days of accepting their loan offer.
Want to learn more?
About Prosper personal loans:
Personal loans up to $40,000
Great loans for good credit borrowers
A trustworthy way to get the money you need
Save thousands with a fixed low rate personal loan today
Consolidate credit card or other debt into a single personal loan
A personal loan from Prosper offers a few different unique benefits compared to other lenders. If you’re in the need of cash you probably have considered getting a cash advance, which are are very short-term loans, usually for one or two weeks. Technically, these aren’t even loans because they don’t charge an interest rate.
But in case you are consolidating debt, or paying for a large expense like home improvement or a special occasion — Prosper has you covered.
Get a Low Rate: Get a loan with a low, fixed-rate that never goes up. Check your rate online instantly.
Pay at Your Own Pace: Pay off your loan with fixed 3 or 5-year* terms, and a budget-friendly, single monthly payment.
Save Money: Save money with no pre-payment penalties.
Available for those who have insufficient credit: Prosper is a good choice for those who have been denied by banks and people who can not get a reasonable interest. It is one of the best bad credit loans. Prosper offers loans to people with a FICO score of only 640. Although high-risk borrowers have to pay higher interest rates, they are certainly cheaper than what you could get with a lender.
Fixed rate loans: All of Prosper loans are delivered with a fixed interest rate so that in the long term you do not have to worry about an increase.
Borrowing up to $ 35,000: with Prosper you can borrow between $ 2000 and $ 35,000. Most personal lenders do not allow you to borrow more than $ 25,000. Prosper is the right choice if you need to borrow more money.
Fast online application: by answering a few basic questions about yourself and your finances, you receive an estimate of your interest rate..
Limited loan conditions: Prosper requires that you choose a term of three or five years. While this should be good for most people, most lenders give their borrowers more flexibility when repaying their loans.
No Early Redemption Fee: If you decide to repay your loan before the end of the term, no extra costs will be charged to compensate for lost interest.
Earn money by investing: If you have money, you can earn some by paying part of the loans of other people. When they repay the loan, you receive the money that you have invested plus interest. The amount you earn depends on the interest rates of the loans to which you have contributed.
Mobile money management apps: Prosper mobile apps for iOS and Android devices help you track your spending and credit over time. Register all your purchases to see how you spend your money and look for chances to save. You can add protection against identity theft for an extra charge.
Getting a Loan with Prosper is Easy
Getting a personal loan with Prosper is pretty straight forward.
Here is how it works:
1. Check Your Rate
Select your loan amount, answer a few questions and get your lowest eligible rates instantly.
2. Choose Your Loan
Choose the offer with the terms that work best for you.
3. Get Your Funds
Your money goes straight to your bank account via direct deposit.
A Smart Choice
It can be considered a smart choice to think about getting a personal loan from Prosper, as they offer you the opportunity to get the money that can really help you out of a bind.
This bind will come and go, but the credit score increase that you will get will only provide you with a stronger financial platform from which to work with. When you make payments to Prosper, that meet the timeframe that was laid out you will be establishing credit.
This credit will serve as a strong point when you need to apply for other various forms of credit, such as store line credit or a future loan. Once you have paid back in full the money you borrowed from the prosper, they will report to the three major credit agencies and inform them on your payment history with them.
This will go on record and will be shared with other various lenders and credit companies. Good reports go along way when it is in regards to money borrowed.
Unsecured personal loans do not require any guarantee
Increase your credit score
Get the money you need quickly
A good credit can give you a lower interest rate
Most are fixed-rate loans, which makes budgeting easier
Prosper charges start-up costs that are equal to two to five percent of your borrowed amount.
Bad credit may result in the rejection of your application.
Approved borrowers with subprime credit could receive higher interest rates
Many come with start-up costs or borrowing
You may not get your money right away, so be patient.
Prosper Reviews Summary
Prosper is a good option for those who want to reduce their monthly payments and want to repay their loans over a longer period. Times are fixed at 36 or 60 months – and if your financial situation improves and you can pay faster, no penalty is imposed.
Prosper is the right choice if you need a loan, but are not eligible for conventional financing. Interest rates are reasonable compared to most credit cards and there are no prepayment costs.
Every entrepreneur dreams of becoming a millionaire someday. But you must understand that there are several things that stand between a budding entrepreneur, an aspiring millionaire, and his dream.
Most people are ambitious and they dream of becoming successful in their careers and learn how to get raises quickly or start their own business.
Most often, they all aspire to become a millionaire.
However, only those people that reach the pinnacles of glory have a clearly-defined vision and entrepreneurial objectives.
This determination and vision would go a long way in giving you unprecedented entrepreneurial success towards millionaire status and early retirement.
This vision would become the guiding force and inspiration for your employees, the essence of your organization as you progress towards growth and success.
Here are some more proven ways to become a millionaire fast:
The Right Approach
According to the experts, the right approach, the perfect attitude would make a huge difference in the world of business. It is important to rely on mentors and peers. It is important to consider networking and learning from more capable, and more experienced people in the trade. Moreover, make it a point to benefit from online learning platforms, meetings, and strategic planning to broaden your horizon as per experts.
If you have the determination and the dedication you could become a millionaire and reach financial independence. For that, you must do proper research and study about how some of the accomplished business people became millionaires. Draw inspiration from their success stories and try to emulate them. Here are a few tips to become a successful entrepreneur and a millionaire at a tender age.
Your Focus Must Be on Learning
According to a self-made millionaire who was struggling with business debt at 21 but went on to achieve the coveted millionaire status at age 30, if you wish to become a millionaire, you must concentrate on learning ways of boosting your income in increments and going on repeating that. Finding ways to get money fast can help if you are just getting started.
You need to follow the money and it would ultimately compel you to grab the opportunities and control revenue. It is a pretty tough task to earn more money; however, there are many options open to you. You may browse the Internet to read inspirational stories and go through comprehensive guides that discuss effective ways of getting additional income.
Generate Income from Multiple Streams
Another effective way of boosting your overall income is simply by generating additional streams or sources of income.
According to CNBC, most self-made millionaires generated their income from multiple sources.
65 percent had three streams of income
45 percent had four streams of income
29 percent had five or more streams of income
Some of the additional sources of income are stock market investments, real-estate rentals, and part-time ownership.
Change Your Attitude about Money
You can become rich depending on the mindset you have towards money. The way you are thinking about money makes all the difference. Are you going to spend most of your time finding ways to make $25 fast or set achievable goals for your future and financial goals?
Your thought processes determine if you are going the right way to the road to success and becoming a millionaire in the future. Most people believe that becoming rich and affluent is not within their control, the people who are determined and destined to be rich firmly believe that making money is no big deal; it is very much part of the job.
Saving Only for Investing
Your aim is not only to save but also to invest those savings.
I know investing can be intimidating. But it’s key to a goal-based financial strategy, especially for bigger, long-term goals like becoming a millionaire fast. Don’t make investing complicated or overwhelming. You can invest in 401(k) at the very beginning of your career, the sooner the better. Then contribute or try to max out a traditional, Roth IRA or self-directed IRA. These are supposed to be individual retirement accounts that have diverse tax benefits.
You should take advantage of companies that do all the heavy lifting for you. For example, Qapital, which is a new way to bank that lets you save for things you want, they created a new kind of investing tool true to their mission of empowering people to achieve financial happiness or help them grow their net worth. You can learn more about them in this Qapital review.
The secret to saving and investing is simply to make it happen automatically. Once you are not able to see the money you have earned and invested, you would automatically learn to lead your life without using it.
Handle Business Debt Smartly
You may be wondering how do people get into debt? Remember debt is the part and parcel of business and life in the fast lane. From employees to college students, everyone without exception is bound to incur liabilities sometime during their lifetime.
Business debt is used essentially to pay off the monetary bills. However, the business debt would be keeping you obligated somewhere else. Smart entrepreneurs know this fully well. They need to take loans for not only business development but also, for product launches, business expansion, and other projects. But ambitious entrepreneurs would always keep track of their debts and manage the cash-flow better.
Often in their quest for profits, many entrepreneurs end up taking out more debt as compared to profits. However, we have seen that millionaires have tackled their debt issues smartly using effective strategies, to reach where they are today.
Here are some smart strategies at a glance:
#1. Do Your Homework Diligently
You must do a thorough research and examine all the options that are available to you before taking on debt for your business. You must ponder along the following lines and look for appropriate answers.
Are you being provided the precise business loan you are looking for your specific purpose?
Is the loan requiring substantial collateral?
Is the loan about to impact my business cash-flow and budget? How?
#2. Chalk Out a Budget
Once you determine a budget try to stick to it firmly. You need to plan a smart strategy to repay your loan amount. The budget would help you determine exactly how much you could afford to pay monthly. Remember your budget plays a pivotal role in your quest to become a millionaire.
Tally all your income sources.
Know all the fixed monthly bills and expenses.
Consider adding all your variable costs and even items which keep fluctuating every month.
Do not forget estimating one-time expenses.
Avoid using credit cards.
Becoming a Millionaire is Attainable
If you have a hunger for making money, you need to know your goals clearly and strategize effectively towards achieving those objectives. The money would not come to you automatically.
Rich people dedicate their efforts toward attaining money. They are fully committed in their mission to become a millionaire.
Remember it takes invincible determination, courage, hard work, knowledge, and incredible effort for being a self-made millionaire.
Do you want to know the difference between forex vs options?
When trading options, you invest in the contracts that can move stocks, ETFs, or index products. When trading in Forex, you’re seeking to profit from fluctuating currency rates. Both markets offer the potential for serious profits, but which one is best suited to your investment goals and appetite for risk?
Forex vs Options
Learn the differences between forex vs options to determine which trading instrument may be right for your trading style.
The world’s financial markets offer a number of opportunities for traders looking to turn a profit in a day, a week, or even in a few months. Forex traders speculate on the rise and fall of one currency against another. For example, popular currency pairs include GBPUSD and EURUSD. You can buy/sell currencies or try options trading in order to make profitable investments.
What Are Options?
Options are contracts that give you the right, but not the obligation, to either buy or sell an amount of some underlying asset at a pre-determined price at or before the contract expires. Options can be purchased using brokerage accounts and investing apps like Robinhood.
In simple terms, options offer a variety of options in the financial markets. They are in a class known as derivatives but don’t let this put you off. The value of options depends on the value of the underlying asset.
Traders use options as a way to hedge against losses. They can also generate recurring income in a well-balanced portfolio, and in the case of forex, as a way to speculate on which way a currency will move. Options can be combined with exotic and binary options to create custom outcomes.
Call and Put Options
The two main terms you need to know are Call and Put. Call and put options, which give their owners the right, but not the obligation to buy or sell an underlying asset, comprise an option.
Traders buy Call options if they think the market will rise. They buy Put options if they believe the underlying asset will lose value. Options have expiration dates; the longer the expiration date, the higher the premium. Traders can easily buy or sell options from popular brokerages and investing apps.
Here’s what you need to know:
Market Volatility. Options are affected by market volatility. The more volatile the market is, the higher the premium.
Strike Price. The strike price is the price at which the trader chooses to execute the option.
Premium. When a trader buys an option, he pays a premium. When he sells an option, he receives a premium.
What Is the Forex Market?
Currencies are traded on the foreign exchange market. This market has no central marketplace for trading, the currency trades is done over the counter (OTC), all over the world on different exchanges.
According to Investopedia, the market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney—across almost every time zone.
As such, the forex market can be extremely active any time of the day, with price quotes changing constantly.
The Difference Between Forex and Options?
Availability: The main diffence between the two is the access to the markets. Forex markets are open 24/7 while options are lmited to normal trading hours (9am to 4:30pm).
Quick Trades: Forex trading is done much more quickly than option trading. You can get your orders confirmed at the price you want versus some options having low volume or huge big bid/ask spreads.
Leverage: With forex trading you can use 50 to 400 times the initial investment with leverage. The options-related leverage ratios are much smaller. This means you can make greator amounts of profits (or loss all your money faster). I will go more into this later in the article.
Commissions: Now in 2021, you can trade forex without data exchange fees and you can also trade options without fees on most brokerages.
Options trading is definitely helpful for the active trader who uses apps like Acorns or Betterment. Options are highly regulated and profits can be made when the market is up, down, or even sideways.
But with forex trading, you can earn a ton of money without a lot of money to start using leverage. But forex markets aren’t as regulate and your broker always takes the opposite side of the trade when dealing with currency exchanges.
When choosing what is best for you just think about if you want access to trading 24/7 or simply during business hours. The choice is yours.
The following is my opinion on why I personally prefer options trading over forex trading.
The simple reason? 96% of Forex day traders lose money.
A commonly known fact is that most forex traders fail. You have to manage capital for any business in this world, especially if your business is trading in the Forex market.
Around 96% of day traders lose money and end up quitting. I’ve actually traded for a living and ended up blowing up my trading account. I’ve learned a lot along the way and wanted to share some of my secrets learned over the years.
Here are some tips you should keep in mind in order to not lose money while trading forex.
Make trades with confidence
As we said in the beginning, the first problem starts with managing your money so you are successful when trading. As you will be investing in your trading account with your own money, there will some emotions into play.
You can start by setting up rules and only make trades that have pre-set exit strategies. This also includes only willing to risk a certain amount of your funds so that you do not blow up your entire account.
Learn to control your greed
If you truly intend to become a profitable trader you must learn to control your greed. Start trading with demo accounts and see how the market works at different conditions. No matter how good your trade setup is, you must lock your emotions and play safely in the Forex market.
Taking excessive risk will always result in a heavy loss.
Think twice before you execute any trade. Forget about the short term gains and try to develop a long-term trading strategy. Stop being aggressive and never risk more than 3% of your account balance in order to recover your loss.
Be confident in your trading strategy
After dealing out with the trading capital, the system also creates headaches for the trader. After learning about all the things needed for a trading business, the mind of a trader mostly thinks twice about joining. It seems too tough to keep up with the markets. The trading process also seems busy to a novice trader. So, he or she loses confidence over himself. And the money tension amplifies this confusion a lot.
So, traders get distracted from thinking properly and making proper trading approaches. So, you now know, it is required to overcome the fear and confusion of the trading business and concentrate on the right things like the trading edge, approaching plans and Forex money management, etc. If you design the process according to your own preferences, it would be much easier.
Don’t be greedy
When you finally get the courage of trading and managing everything in an organized fashion, the greed problem starts. This is the influence of all the information we learn about his business regarding money. We hear mostly about how much money is involved in the trading business and in daily transactions. So, the target is already set according to how much money a trader wants to make per week or month.
When you overcome the first two obstacles and start running your own trades smoothly, that money target gets increased accordingly. However, traders should not fall for that mistake, as it only causes harm to the trading edge and causes them to lose concentration which in turn causes them to lose money.
A cash advance allows you to use your credit card to get a short-term cash loan at a bank or ATM when you need money now. Cash advance online serves as an instant fix to emergency cash needs without prior a formal loan negotiation process or any collaterals. These short termed loans are typically offered for smaller sums that need to be remitted back in a stipulated time of two to three weeks. Creditors charge all the non-differentiated borrowers a funding fee on the total borrowed sum that can range from 15 to 20%. Cash advances can make sense for emergencies when one needs money immediately. However, this convenience comes with a fee in the form of interest rates as suggested earlier. So we’ll review cash advance aspects you should know about before shopping around for a cash advance online or with the traditional brick and mortar way.
What is a cash advance?
A cash advance is a short-term cash loan — an expensive one — taken against the credit line on your credit card. In general terms, a cash advance is thought as a credit card where you pay for, let’s say, the electricity bill or the groceries by drawing cash from that credit card and paying it back in a stipulated time frame later. Also, cash advances are something similar to a refund anticipation loan or a few of you might think of it as an overdraft facility provided by banks because banks provide you with money that you are required to pay back. Actually, a cash advance loan is also a payday loan as you, in fact, get some advance cash that you need to pay back in the next paycheck cycle.
Whatever the case, the bottom line is you get money in advance that must be repaid fairly quickly and with associated fees.
How (and why) do you get a cash advance?
Like we discussed above, two major types of cash advance loans provide you with quick cash and differ slightly in terms of working, ease of qualifying and interest rates. Let us see how they differ depending on the type of cash advance loan.
Cash advance on your credit card. Borrowers must have a valid credit card to draw quick cash if they wish to opt for this method, otherwise, it might involve extra time to apply and seek approval for a loan. Credit card holders can usually visit the nearest ATM, use a valid PIN and get the cash they need instantly. Users can call the credit card company customer services or request a cash advance online. Also, they can keep track of cash advances through credit card statements. This may all sound quick and easy but there’s a catch, these types of advances are charged at a comparatively higher interest rate and secondly, cash advances can be available only up to a certain predefined cash advance limit depending on the card holder’s credit score.
Cash advances in the form of a payday loan. One can approach a local payday loan lender or a more beneficial option is to search for a payday loan lender online. In both cases, the borrower needs to submit his bank and identity information including the employer details. Providing a credit score or undergoing a credit check is not required. On approval, the borrower has sanctioned a short termed loan for one to two weeks. They are also required to write a post-dated check or grant permission to the debit bank account number they hold in the bank. The payment/check would be equal to the amount of the borrowed money with the addition of a funding fee or interest amount. The main benefit of using online services is that the borrower gets cash instantly transferred to their bank account within a few hours depending on how soon the approval happens.
What one needs to know about cash advances online?
Simple and streamlined online approval processes like the ones for cash advances involve just three steps and the entire process can be completed 100% online much faster when compared to applying for credit cards through a bank. The process is as follows:
Provide the name, address, phone number, email, checking account information, proof of income and/or employment details.
Usually, the final decision is completed within minutes and on your approval, you will be redirected to an e-signature page that displays information such as the loan amount, interest rate, minimum payment, and length of the loan.
Accept the terms of the loan and get the funds deposited directly into your checking account.
Expensive Option. No doubt one can get quick cash even with bad credit using this option however the interest rates can be higher than the much slower loan methods like a personal loan. Applying online through a financial help website provides you options to search for a suitable lender.
Fine Prints Matter. Legal jargons involved in terms and conditions seem irritating but need to be handled with a fine tooth combing. Thus, always opt for websites that provide fine prints written in a simple and easy to understand language with all kind of assistance needed in understanding the fine print. Most importantly, always proactively read out the terms and conditions before signing.
Watch out for Financial Traps. Not all financial lending websites want to help needy borrowers. Websites may involve complicated web designs that make users select the default loan amount that may be at a higher end or maybe not what they intend to borrow for. Don’t forget to look out for the original loan amount on the application forms as your vigilance is the only protection from predatory lending financial traps!
In this Acorns review, we’re going to show you how Acorns works and screenshots of it in action, and help you determine is Acorns worth it?
With Acorns, you can automatically save & invest your spare change from everyday purchases, earn Found Money with 300+ brands, read custom content to grow your knowledge and put your hard-earned cash into diversified portfolios overseen by experts.
Acorns is a microsavings app similar to Digit and Qapital, but with a kick. This app saves you money but allows you to invest this money with a click of a button. Your savings can actually make you money, and you can even get started with a $5 bonus through this link.
In this Acorns review, we will answer the question of is Acorns worth it?
Acorns Review 2020
$1 - $3/month
Commissions & Fees
Ease of Use
Signing up takes less than 5 minutes max.
Getting started is quick and painless with no minimum investment required.
You will be able to set aside spare change or extra cash automatically as you go about your day.
Easily can grow your account over time with diversified portfolios constructed by experts
Your savings would be invested, your returns are not predictable.
They charge monthly fees, but you can use it for free if you sign up with an .edu email account.
Your money is being invested, your returns are not predictable.
Best for: If you’re a college student you can sign up for Acorns with your .edu email address and use it for free. Or if you an investor who doesn’t have time to watch over your portfolio, your money is safe with Acorns (and will bring you positive returns).
The Bottom Line: Acorns is a pretty well laid out platform which helps you save small amounts of money with spare change and small daily investments as low as $5 a day or a week.
Acorns Core automatically invests your spare change and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Your investments are then diversified across more than 7,000 stocks and bonds, and Acorns automatically rebalances your portfolio to stay in its target allocation.
Acorns Later, the IRA account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app recommends the right IRA for you based on your goals, employment and income.
With Acorns Spend, that comes with a checking account and debit card, you can save, invest and earn while you spend. Acorns Spend has no overdrafts or minimum balance fees, plus free or fee-reimbursed ATM access nationwide.
Check out this video for more about how Acorns works.
It’s pretty simple and the beautiful app does it for you after a few minutes of setting up the preferences you can:
Invest automatically: Set aside spare change or extra cash as you go about your day with Round-Ups and Recurring Investments.
Save for later: Get the easiest IRA, Acorns Later, and save for retirement without thinking about it.
Stick with it: Sit back and let your money grow over time in diversified portfolios constructed by experts.
Earn Found Money: The more you earn, the more you can save and invest! Grow faster the 250+ top brands that invest in you when you shop.
Grow your knowledge: Original content right in your app helps you grow your money knowledge on the go.
Spend Smarter (New): Pre-order the only checking account with a debit card that saves and invests for you, plus no minimum balance or overdraft fees. Qapital has this feature which we go over in our Qapital review, but you aren’t able to earn interest or invest on your savings accumulated. This is where Acorns shines.
How Does Acorns Protect Your Information?
All of your data is protected with 256-bit encryption and never stored on your phone, tablet or computer.
To conclude our Acorns review, we are left with the following question: Is Acorns worth it?
If you’re a college student you can sign up for Acorns with your .edu email address and use it for free. Or if you an investor who doesn’t have time to watch over your portfolio, you’re money is safe with Acorns (and will bring you positive returns).
Overall, Acorns is a pretty well laid out investing app that helps you save small amounts of money with spare change and small daily investments as low as $5 a day or a week.
Imagine if you could invest in your future without really noticing it. Sign up in under 5 minutes and join over 4,000,000 people who thought Acorns was worth it.