8 Tips for Improving HVAC Efficiency

By properly maintaining your heating, ventilation, and air conditioning (HVAC) system, you can improve its efficiency and reduce heating and cooling costs dramatically.


Tiffany Rowe, Seek Visibility (Partner)
October 25, 2018

reduce your heating and cooling costs by up to 20 percent.

2. Consider a Home Warranty

If you’ve ever wondered how to compare home warranty vs. home insurance, now is your chance to learn. Home warranties guarantee the systems of your home, like your HVAC, against the ravages of time. If your HVAC breaks down for any reason, you can contact your home warranty provider, who will send an HVAC specialist to diagnose and fix the problem for a low, flat fee around $70. Though a home warranty won’t keep your HVAC in tip-top shape, it will secure you against total HVAC failure.

3. Calibrate Your Thermostat

You shouldn’t just trust that your thermostat knows what temperature it is in your home. It is easy for thermostats to be anywhere from a percent of a degree to five whole degrees off from the true temperature, and that seemingly small difference will cost you over time. To be certain your thermostat is reading true, you need to purchase a trustworthy thermometer and keep it on the wall a few inches from your thermostat. Then, using that tool, you can calibrate your thermostat appropriately.

4. Check Your Economizer

Economizers are machines attached to your HVAC to ensure high efficiency, but they don’t always work as expected. Often, economizers slip their links or contain faulty controls—or else someone in the past tinkered with them improperly. You should pay a visit to your HVAC economizer and give it a once-over; look specifically for open dampers (which should be kept closed) and any signs of quick fixes, like string or unfinished wood, that could indicate issues.

5. Control Your VFD

A variable frequency drive (VFD) controls the speed of the motor in your HVAC unit, providing energy savings proportional to the rotations per minute. However, like economizers, VFDs can malfunction and/or can be interfered with, causing efficiency-related problems. You should peer into your VFD and ensure that it isn’t running on bypass mode, so you can reap appropriate energy savings.

6. Cut out Your BAS

A building automation system (BAS) provides centralized control of HVAC as well as lighting and other systems. Such systems usually only exist in larger structures with more complex energy and control needs, but if your home is in an apartment or condo building, you might be subject to a BAS. You should either try to remove a BAS that is impeding the proper use of your HVAC or else contact your building manager to express concern over the BAS functionality.

7. Clean Your Coils

On the same day you clean your refrigerator coils, you should also clean your HVAC coils. Because HVAC units are typically placed in out-of-the-way areas that are rarely cleaned – like your roof, your basement, your attic or a corner of your yard – it doesn’t take long for them to accumulate dirt and grime. Debris on your HVAC coils forces the machine to work harder to produce the same effects, and it can reduce indoor air quality. Thus, you should schedule a coil cleaning at least once per year.

8. Connect Timers

There is no sense in heating or cooling an empty home. When you are away – at work or on vacation – you should consider setting a more lenient temperature on your thermostat, so it doesn’t need to work so hard for no benefit. You can also connect timer switches to your most energy-hungry devices, like gaming consoles, desktop computers and appliances, for a similar effect.

Over time, your HVAC will become less efficient—unless you do something about it. By participating in preventative maintenance, you can reduce your home energy costs and avoid the high expense of repairing or replacing your equipment. 

Source: quickanddirtytips.com

Making Money Mortgage Tips

17 Realistic Ways To Make $100 Per Day

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With the current economic conditions of 2020, and with tens of millions of Americans out of work, there are plenty of people looking for creative ways to make money outside of a traditional job.

Regardless of whether you’re looking to supplement your existing income from a job, or whether you’re looking for something to replace a job, there are plenty of options.

While there are a lot of advertisements that promise quick money online or from home, not every opportunity is legit. If you want to avoid scams and actually earn money for your time and effort, stick to one of the proven methods that are covered on this page.

When it comes to side hustles or starting an online business, making $100 a day is a major milestone. While you’re not going to get rich at this level of income, it’s still a significant amount of money that can make a huge difference. And if you’re able to make $100 per day, chances are, that can be increased with the right effort.

Ways To Make $100 A Day

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legit ways to make money outside of a job, here are some of the best possibilities that you should consider.

1. Freelance Writing

Working as a freelance writer is one of the best opportunities of 2020 and beyond. There are millions of websites and blogs that rely on new content, and a large percentage of that content is written by freelancers. Even aside from online business, there are other opportunities like writing for newspapers, magazines, and other publications.

Some freelance writers take a general approach and write about any topic of the client’s choice. Others choose to specialize in a particular industry in order to grow their profile and become a recognized authority on the topics that they write about. If you take the specialized approach, you can choose a topic that interests you and you’ll probably find that the work is more enjoyable.

Not only are there plenty of opportunities, but the pay can be quite good as well. Of course, there are definitely low paying freelance writing gigs out there, but many writers are able to earn a significant income while benefiting from a flexible work schedule.

Pros of Freelance Writing:

  • Strong demand with lots of websites and blogs constantly in need of new content.
  • Write about something that you enjoy by specializing in the industry of your choice.
  • Excellent income potential.
  • It can be done full-time or part-time, depending on your schedule and the amount of money that you need to make.
  • Start making money right away, as soon as you land your first client.

Cons of Freelance Writing:

  • Some gigs are low-paying.
  • You’ll face more competition for the higher-paying gigs, so you may need to start with some lower-paying opportunities to get experience.

Getting Started as a Freelance Writer

There are a lot of different ways to find clients, including job boards like ProBlogger, Blogging Pro, and Freelance Writing Gigs. It’s also a good idea to use your existing personal or professional network to try to land a client or two.

2. Self-Published Author

Another way to make money as a writer is to become a self-published author. Instead of getting paid to write for clients, you’ll write and sell books or ebooks.

Amazon’s Kindle Direct Publishing is the most popular platform, and anyone can become an author without the need for experience or piles of cash to spend on printing. Through KDP, you can sell ebooks and print-on-demand paperbacks, which means there is no inventory to buy.

While working as a freelance writer allows you to start making money right away, becoming a self-published author requires some patience before you’ll start earning significant money. Obviously, you’ll need to finish your first book/ebook before it will be available for purchase, and it will also take some time to build up your business. However, there is plenty of income potential if you’re willing to put in the time and effort to make it happen.

Pros of Self-Publishing:

  • No need to find clients or deal with clients.
  • Excellent income potential.
  • Write about whatever you want. You’ll choose your own topics and the types of books that you want to write.
  • Print-on-demand means that you can sell paperback books without the cost of buying inventory.

Cons of Self-Publishing:

  • You’ll need to put in a lot of time and work before making money.
  • Constant writing. Most people who make a significant income with self-publishing are constantly working on new books.

Getting Started as a Self-Published Author

From First Draft to Bestseller is a thorough course on Skillshare that will help you to get started. You can get access to the course free for two months with a Skillshare trial.

3. Virtual Assistant

Virtual Assistant side hustle

Working as a virtual assistant (VA) has been one of the best ways to make money online over the past few years. And with many companies looking to reduce costs, it’s likely that even more work will be outsourced to VAs rather than hiring employees to do the same tasks.

Virtual assistant is a broad term and VAs can offer a wide range of administrative services. This could include things like managing email inboxes, moderating forums or Facebook Groups, managing social media profiles, writing or editing blog posts, designing images for blog posts or social media sharing, and much more.

Some virtual assistants offer a very wide range of services, while others take a more focused approach and specialize. Those who specialize and are able to brand themselves as experts in a particular area are usually able to demand higher rates from clients.

Pros of Working as a VA:

  • Plenty of opportunities as many companies and entrepreneurs hire VAs.
  • Likely increase in demand due to more companies outsourcing work in the current economic conditions.
  • Good income potential, especially for those who take a specialized approach.
  • It can be done full-time or part-time, depending on your schedule and the amount of money that you need to make.
  • Start making money right away, as soon as you land your first client.
  • Use your existing skills to make money.

Cons of Working as a VA:

  • Some gigs are low-paying and you may find yourself competing for jobs with people who charge very low rates.

Getting Started as a VA

Gina Horkey is an experienced and successful VA that covers everything you need to know to get started in 30 Days or Less to Virtual Assistant Success.

4. Transcription

If you have some typing skills (speed and accuracy), working as a transcriptionist is an excellent way to make money. There are plenty of opportunities to make money by transcribing audio or video, and those opportunities continue to increase as more and more audio and video content is being published online every day.

Transcription work is generally very flexible. There are a number of websites that provide transcription work and most of them allow you to work as much or as little as you want, whenever it’s convenient for you.

You’ll have the option to signup and use transcription websites, or you can look for freelance opportunities. Freelancing will take more effort but will offer higher income potential.

Pros of Transcription Work:

  • Make use of a skill you already have (typing).
  • It can be done part-time or full-time, depending on your needs and availability.
  • Lots of opportunities available.
  • Start making money right away.

Cons of Transcription Work:

  • You need to be fast and accurate at typing. If you don’t already have those skills, you’ll need to practice.
  • Some gigs are low-paying. Determining how much you’ll be able to earn can be tricky as most gigs pay per audio minute or per audio hour, not per hour of work.

Getting Started as a Transcriptionist

The easiest and quickest way to get started is to make use of websites that allow you to sign up and claim the work that you want. There are a number of these sites and you can find the best transcription jobs here.

Transcribe Anywhere has a course that will teach you to be a transcriptionist for general and legal transcription. You’ll learn everything you need to know to start making money. You can also check out a related proofreading course, Proofread Anywhere to see if proofreading might be for you.

5. Bookkeeper

Working as a bookkeeper is an opportunity that’s often overlooked or underappreciated. Some bookkeeping jobs can be done remotely, either part-time or full-time. But the better income-generating opportunity involves working as a freelancer or starting your own bookkeeping business.

You may already have some bookkeeping skills or experience that could be put to good use. And one of the reasons why bookkeeping is a great option is because the skills can be learned relatively quickly. You don’t need an accounting degree and many bookkeeping jobs are entry-level with no experience required. With a little bit of effort, you can learn the skills needed to work as a bookkeeper, either as an employee or freelancer.

Pros of Bookkeeping:

  • Excellent income potential.
  • Uses skills that can be learned relatively quickly.
  • In-demand service that businesses will always need.
  • It can be done part-time or full-time.

Cons of Bookkeeping:

  • If you don’t have any bookkeeping experience, you’ll need to learn.

Getting Started as a Bookkeeper

Bookkeepers.com offers 3 free classes that show you how to start your own bookkeeping business and work from home.

6. Grocery Shopper

Grocery shopping and delivery services have been increasing in popularity over the past few years, and that was before the COVID-19 pandemic. Now, with more people staying home, services like Instacart have become more popular than ever, and that opens up new opportunities for making money.

Instacart offers two different ways to make money. One option is to work as an in-store shopper. Instacart’s in-store shoppers are part-time employees who are not responsible for deliveries. You would be getting a customer’s grocery list and you do the shopping for them.

The other option is to be a full-service shopper, which involves doing the shopping and making deliveries to customers. Instacart’s full-service shoppers are independent contractors and you must have your own vehicle.

Both options offer flexible hours, so you can make the work fit around your existing schedule.

Pros of Working as a Grocery Shopper:

  • Start making money right away. Sign up now and as soon as you’re approved and cleared to work, you’ll be able to start earning money.
  • In-demand service that provides plenty of work.
  • No experience required. Almost anyone can do it.

Cons of Working for as a Grocery Shopper:

  • Options for increasing your income will be limited.

Getting Started as a Grocery Shopper

Getting started is easy. Just sign up at Instacart’s website and you’ll be led through the process. You’ll need to decide whether you want to work as an in-store shopper or full-service shopper.

7. Rideshare Driver

Be a rideshare driver to make extra money

Driving for Uber and/or Lyft has been a popular side hustle for a couple of years now, and it’s still a legit way to make money around your existing schedule.

As a driver, you can work as much or as little as you want. You can sign up today and start making money as soon as you’ve passed the background check and been cleared to drive (usually a few days).

Pros of Rideshare Driving:

  • Start making money right away.
  • No specific skills or experience required (aside from driving), so basically anyone can do it.
  • It can be done part-time or full-time.

Cons of Rideshare driving:

  • You’ll need to calculate the maintenance and wear-and-tear costs related to the extra miles on your vehicle.
  • You’ll need a vehicle that will meet Uber or Lyft’s requirements. If your vehicle doesn’t meet the requirements, you’ll need to rent one that does.
  • You’ll have strangers in your car, which can be uncomfortable for some people.
  • Opportunities may be limited in rural areas.

Getting Started as a Rideshare Driver

To get started, fill out an application with Uber or Lyft. The application process is pretty straightforward and you should be able to start diving in about a week.

8. Delivery Driver

If you like the idea of making money as a driver, but you don’t want to give rides to strangers, working as a delivery driver may be a better option for you.

While rideshare driving can be a good option too, many people won’t have a vehicle that meets the requirements. But most delivery jobs, like DoorDash for example, do not have stringent requirements and you can use almost any vehicle.

Working as a delivery driver also allows you to start making money very quickly, and you’ll still benefit from a high level of flexibility. Many delivery jobs involve making deliveries from restaurants, including:

Aside from restaurant delivery, another legit option is to deliver packages for Amazon through the Amazon Flex program.

Pros of Working as a Delivery Driver:

  • Start making money right away.
  • No specific skills or experience required (aside from driving), so basically anyone can do it.
  • Use any vehicle.
  • No need to have strangers in your car (as opposed to rideshare driving).

Cons of Working as a Delivery Driver:

  • You’ll need to calculate the maintenance and wear-and-tear costs related to the extra miles on your vehicle.
  • Opportunities may be limited in rural areas.

Getting Started as a Delivery Driver

Choose the app or platform that you want to use, and sign up. Once you’re approved, you’ll be able to start driving and make money very quickly.

9. Start A YouTube Channel

Blogging is often mentioned as a way to make money online. While it’s definitely true that you can make money as a blogger, there’s much less competition if you decide to pursue video content instead of written content.

There are more than 500 million blogs online in 2020 (source), but there are only about 31 million YouTube channels (source). And despite the significantly lower number of YouTube channels, video content is increasing in popularity significantly. More people watching online videos lead to more opportunities to make money with YouTube.

Just like blogging, you can start a YouTube channel on any topic that interests you. With your own channel, you’ll have the potential to make more from advertising (YouTube Partner Program), affiliate programs, and sponsorship.

Pros of Starting a YouTube Channel:

  • Unlimited income potential.
  • Constantly increasing demand for video content.
  • Start a channel on any topic that interests you, so you can incorporate your hobbies or things that you enjoy in your work.

Cons of Starting a YouTube Channel:

  • You’ll have to build up your audience before you start making money, which can take a lot of work.
  • The YouTube Partner Program requires you to have at least 1,000 subscribers and 4,000 watch hours in order to monetize videos with their ads.

Getting Started with YouTube

Stand Out and Make Money on YouTube is a course taught by a YouTuber with more than 5 million followers. The course is on Skillshare and you can get access with a free two-month trial.

10. Create And Sell Digital Products

If you have a website or blog, or if you’re interested in starting one, one of the best ways to make money is to create and sell digital products. There are all kinds of possibilities here, it really just depends on the niche that you’re in and the target audience of your site. Some of the possibilities include:

  • Ebooks
  • Stock photos and graphics
  • Music and audio files
  • Printables
  • Templates

These are just a few possibilities and some of them are very broad. For example, printables and templates could include any number of different products, and possibilities exist in just about any industry or niche.

Aside from leveraging your own website or blog traffic to sell our products, you could also sell on marketplaces, rely on affiliates to send traffic, or use paid ads (like Facebook, Google, or Pinterest ads).

Pros of Selling Digital Products:

  • Great way to monetize an existing website or blog.
  • Unlimited income potential.
  • Possibilities in any industry or niche.
  • Potential for passive income.

Cons of Selling Digital Products:

  • Some products will require a lot of time to create.
  • You’ll need to get exposure for your products in order to make money.

Getting Started with Digital Products

If you’re looking to get started quickly and you don’t already have an existing audience through your own website or blog, one of the best options is to start selling on a marketplace that has an existing audience.

Etsy is known as a great place to buy or sell handmade goods, but it’s also an excellent platform for selling digital products. Build an Etsy Shop That Sells is a great introductory course at Skillshare that shows you how to get started. You can access the course with a free two-month trial of Skillshare.

11. Create And Sell Online Courses

Online courses could fall under the previous point about digital products, but I wanted to mention courses separately because this opportunity is different from a lot of other digital products, and because online courses are extremely popular.

While there are a lot of different types of digital products that you can sell, online courses typically have a very high perceived value, and so it’s possible to charge a premium if you offer a quality course. It’s not unusual for online courses to sell for hundreds or even thousands of dollars. In fact, the same information could be packaged in an ebook and it would probably be hard to sell it for more than $99. Customers perceive the value or a course to be higher than the value of an ebook.

That doesn’t mean that all courses will be high-ticket items. You could create shorter, simpler courses that sell for lower amounts. The price you’re able to charge for your course will also be impacted by your profile. If you’ve established an excellent reputation and a strong following, people will be willing to pay more for your course. If you’re just getting started, a high-ticket course will be harder to sell.

You also have a few different options when it comes to setting up and selling your course. You could use a WordPress plugin to handle the sales and provide students with access to course material. You could use a platform like Teachable that makes it easy to set up and manage your course. Or you could use a platform like Udemy or Skillshare that will help you to get exposure for your course (but may limit your earning potential).

Pros of Creating and Selling Online Courses:

  • Great way to monetize an existing website or blog.
  • Excellent income potential.
  • Brand yourself as an expert in your field through the creation of a course.

Cons of Creating and Selling Online Courses:

  • In general, courses will require more time to create, as compared to other types of digital products.
  • Selling a course can be difficult if you don’t have an established audience or a reputation.
  • Courses can require more maintenance than some other types of digital products (especially if you have a Facebook Group or some other community component to the course).

Getting Started with Selling Online Courses

Online Course Masters by Phil Ebiner will teach you what you need to know to create and sell your own course. This course is available on Skillshare and you get free access for two months.

12. Voice Acting

With so much audio and video content being created, there is a strong demand for voice actors to record voiceovers. You could be recording your voice for a commercial, a sales video, a podcast intro, or any number of other things. 

You’ll need a little bit of equipment (most importantly, a quality microphone), but it’s possible to get started with a modest budget and then upgrade as you go.

Fiverr and Upwork are popular platforms for landing work, or you may be able to find clients on your own.

Pros of Voice Acting:

  • Excellent income potential.
  • Lots of work available.
  • Can be done part-time or full-time, depending on your situation.

Cons of Voice Acting:

  • Finding your first clients can be difficult with a limited portfolio or no portfolio.

13. Pet Sitting / Dog Walking

Make Money As A Dog Walker

You might be surprised by the income potential of pet sitting and dog walking. Making $100 a day is certainly a realistic goal, and there are plenty of people who are making a full-time income.

This can be an attractive option because it doesn’t require any specific skills or experience, and so just about anyone can do it.

In order to make money as a pet sitter, you’ll need a safe place to be able to host pets. That may not be possible if you’re renting a place that doesn’t allow pets, but you don’t need a huge yard or anything special in order to make it work.

While there are many different ways to find clients, apps/sites like Rover and Wag make it easy to create a profile so pet owners in your local area can find you.

Pros of Pet Sitting and Dog Walking:

  • Start making money right away, as soon as you have your first client.
  • No specific skills or experience required.
  • Lots of work available from pet owners who travel, don’t have time to walk their own dogs, or aren’t physically able to do it.
  • Good income potential.
  • Can be done part-time or full-time.

Cons of Pet Sitting and Dog Walking:

  • Opportunities are better in some areas (like big cities).
  • Pet sitting requires you to have a place to keep the animals.

Getting Started with Pet Sitting and Dog Walking

The easiest way to get started is to create a free profile at Rover and/or Wag.

14. Become An Influencer

Do you spend a lot of time on social networks? If so, wouldn’t it be great if you could get paid for sharing new products or brands with your friends and followers? 

Influencer marketing allows you to get paid to post sponsored content to your social profiles, and some people are making a lot of money with it. 

In order to make money as an influencer, you’ll need to have a responsive audience, and the larger, the better. You don’t need to have millions of followers, but you do need to be able to get engagement from your followers when you share something.

Pros of Becoming an Influencer:

  • If you already have a large, responsive following, you can make money from it.
  • There are plenty of brands looking for influencers to work with.
  • You can make money doing something that you enjoy.

Cons of Becoming an Influencer:

  • Not everyone is an influencer. You’ll need to be able to elicit a response from your followers.
  • You may need to dedicate a lot of time and effort to grow a following before you start making money.

Getting Started as an Influencer

If you don’t have a strong following yet, building up your social profiles and attracting followers is where you’ll need to start. If you do have a following already, check out this list of 25 influencer marketing platforms.

15. Sell Handmade Crafts

Etsy was mentioned earlier as a great place to sell digital products, and of course, it’s also the leading platform if you want to sell handmade crafts or vintage goods. If you’re crafty, you may enjoy making things that you could sell on Etsy.

This side hustle generally works better part-time, but if you’re successful, there is a chance to turn it into a full-time business.

Pros of Selling Handmade Crafts:

  • Make money doing something that you enjoy.
  • Etsy offers exposure to a massive audience of buyers.

Cons of Selling Handmade Crafts:

  • You’ll face a lot of competition on Etsy.
  • It can be difficult to scale as you’ll need to find efficient ways to make the items.

16. Start A Rental Business

It’s not the first side hustle that comes to mind, but there are plenty of ways to make money by renting out your stuff. You could rent out a room in your house, rent your car when you’re not using it, rent storage space, rent your parking space, rent baby items, and more.

Of course, the amount of money that you’ll be able to make will depend on the items that you’re renting out, but there if you have the right items, you can make good money. For example, if you have a house with a separate unit, you can make a lot by renting it out. RVs are also excellent for renting.

Pros of a Rental Business:

  • Your income isn’t directly tied to the hours that you work. You’re making money based on the things that you have.
  • Turn ordinary things into income-generating assets.
  • Lots of different options.

Cons of a Rental Business:

  • You may or may not have the right things that people want to rent.
  • Your income may be inconsistent.

Getting Started with a Rental Business

Think about the things that you already have that you might be able to rent out. There are online platforms for renting all kinds of things. I can’t cover them all in this article, but Fat Llama is a nice option because you can rent just about anything there.

17. Use Your Existing Skills And Experience 

Depending on the work experience and skills that you already have, you may be able to make money on the side as a consultant or coach. There are consultants and coaches in just about any field you can imagine, so it could be a great opportunity for a lot of people.

Not only are there clients who are hiring consultants, but in most cases, the hourly rate that you can earn is very attractive.

Pros of Consulting/Coaching:

  • Make use of the experience you already have.
  • Excellent income potential.
  • It can be done part-time or full-time.
  • Possibilities exist in many different industries.

Cons of Consulting/Coaching:

  • It may take some time to build up your client base.

Getting Started with Consulting/Coaching

The Complete Master Class on Starting a Consulting Business covers all of the basics. This course is available on Skillshare and you can get free access for two months.

Making $100 A Day Online Is Possible

Earning $100 per day with a side hustle or online business is a great goal that marks a significant milestone.

As you can see, there are a lot of different ways to reach this milestone. The ideas covered in this article give you plenty of options, so find the one that’s a good fit for you and get started.

ways to make $100 dollars

17 Realistic Ways To Make $100 Per Day

Source: biblemoneymatters.com

Making Money

7 Tools for Protecting Your Walls

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Patch up and fix up your old walls yourself with these helpful, easy tips!


Bruce and Jeanne Lubin
August 18, 2017

grout, repairing holes in walls, or filling scratches in wood? Use a used-up gift card (or expired credit card) for the job—any unusable hard plastic card will do. And if you’re anything like us, you have plenty of those!

Wall Hole Solution

You’re moving out of an apartment and need to fill in the holes in the wall caused by nails. Just grab a bar of white soap and rub across the hole until the soap fills it. It’s not a permanent fix, but it will make the walls look clean until they can be repainted.

Another Wall Hole Solution

Before spackling small holes in your wall caused by nails, first cut a Q-tip in half and insert in the hole, stick end first. Then spackle as you normally would. The Q-tip will completely fill the hole and ensure you won’t have to go back for a second pass.

Finding Imperfections

Filling and sanding every hole in the wall before you paint can be enough of a pain, but sometimes it’s hard to find every crack, hole, and imperfection. Make your job easier by turning off the lights in a room, then slowly running a flashlight over the entire surface of the wall. The light will cast different shadows in these areas, making them easier to see than they would have been in the daylight.

Got a Screw Loose?

You’ve just struggled to remove a stripped screw from the wall. Now how do you fix the hole? Use a wooden golf tee! First, squirt some wood glue into the hole, then insert the tee as far as it will go, tapping it in place with a hammer. Next, use a utility knife to cut the tee flush with the wall. You’ve now made a stable base for the new screw. Drill a pilot hole into the golf tee, and insert your new screw. Problem solved!

About the Author

Bruce and Jeanne Lubin

Bruce Lubin and Jeanne Bossolina-Lubin are the proud parents of three boys and more than a dozen books. After saving thousands per year using everyday tips and simple lifehacks, they started their own business in the hopes of sharing their knowledge with others. They have been known to go into their friends’ refrigerators to turn their eggs upside down so that they last longer.

Source: quickanddirtytips.com

Making Money Mortgage Tips

20+ Business Ideas For College Students

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College students obviously have busy schedules with classes, assignments, social lives, and extracurricular activities, but many students also need to find the time to make some money.

During the 2019-2020 academic year, the cost for the average college student was $30,050 (including tuition, fees, room, and board) according to EducationData.org.

Many college students have part-time jobs in order to cover part of that cost, but starting a business is another way to make money. Starting your own business may not offer the same guaranteed income that you would get from a job with an hourly rate, but there are some significant benefits, including:

business ideas for college students

With those benefits in mind, college can be a great time to start a business.

Not all businesses are equally suited for college students. Ideally, the business should be free or very inexpensive to start, because the last thing college students need is more debt. All of the business ideas covered in this article could be started with very little investment, and they could also be run part-time while you’re taking classes.

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Student to CEO started a social media marketing business as a 19-year-old college student. Ashley continued to grow the business throughout her time in college and after graduating in 2019. Ashley jumped into running the business full-time.

Because of the combination of high demand and excellent income potential, this is one of the best business opportunities for college students.

2. Virtual Assistant

Another service-related business that has a very strong demand right now is to work as a virtual assistant. You could become a virtual assistant by working through a website like Fancy Hands, but you’ll have much higher income potential if you start your own business.

As a virtual assistant (VA), you could offer a wide variety of services like:

  • Moderating online forums or Facebook Groups
  • Providing customer service
  • Managing social profiles
  • Managing a blog
  • Setting up appointments
  • And much more

You could take a general approach and offer a very wide range of services, or you could specialize in a particular aspect. Specializing may allow you to charge a higher hourly rate, but getting clients is a bit easier with a generalized approach.

If you’re looking to get started, check out 30 Days or Less to Virtual Assistant Success.

3. Blogger

One of the most flexible business opportunities is to start a blog. Not only can you work whenever and wherever you want, but you can also choose the topics that you want to cover on your blog.

Unlike the service-related businesses that were mentioned so far, blogging is a business opportunity that will require some patience, because you’re unlikely to start making money right away. If you’re in a position where you’re able to put in the work without seeing immediate results, blogging can be a great business.

Blogging offers truly unlimited income potential. Some bloggers are able to earn five or six figures per month by working on something that they enjoy.

There are many different ways to make money from a blog, with the most common methods including:

  • Advertising
  • Affiliate programs (getting paid to promote products or services from other companies)
  • Publishing sponsored content
  • Offering a service
  • Selling a product

If your goal is to make money now, consider other options instead of blogging. But if your goal is to start a business that may be able to provide a full-time income by the time you graduate, blogging could be an excellent choice.

4. Freelance Writer

If you enjoy writing but you’d rather work for clients than try to build your own successful blog, working as a freelance writer is an option that you should consider.

As a freelance writer, you could be a generalist and cover just about any topic, or you could specialize in a particular industry or topic. Specializing could give you higher earning potential, but it may be harder to find clients when you’re just starting out.

Freelance writing is one of my favorite business opportunities for a number of reasons:

  • You can get started right away and you’ll be making money as soon as you land your first client.
  • It’s possible to get started with $0 in expenses.
  • There are plenty of opportunities for beginners.
  • There are also plenty of higher-paying gigs for more seasoned writers.
  • It’s very possible to earn an excellent hourly rate (although you’ll typically be paid per word or per project).
  • Demand for the work is likely to remain strong, due to the vast amount of content being published online everyday.

It’s also a totally flexible business. You can work the hours that suit your schedule and scale up or down depending on the amount of time that you’re able to dedicate to the business. It’s definitely possible to work as a freelance writer part-time in college and then transition to full-time by picking up a few more clients (or by doing more work for the clients you already have.

To get started check out Freelance Writing Success.

5. Author

Another business opportunity for those who like to write is to become a self-published author. Thanks to platforms like Amazon’s Kindle Direct Publishing (KDP), anyone can become an author.

Through KDP, you can write and sell e-books and paperbacks that are printed on demand, which means you won’t need to invest money in large runs of printed books.

Amazon obviously offers a massive platform that makes it possible to reach millions of book readers. You can write and sell books in many different genres, so the possibilities are virtually limitless.

Becoming a self-published author is similar to blogging in the fact that you’ll need to be willing to put in a lot of work before you really start to make a serious income.

6. YouTuber

So far we’ve looked at several business opportunities that involve creating written content (blogger, freelance writer, and author). A similar opportunity exists for those who want to create video content, and the demand for online video content is growing at an incredible pace.

YouTube is obviously the #1 platform for video content, and anyone can start a YouTube channel in effort to capitalize on the opportunity.

If you look at successful YouTube channels, there is a great deal of variety. They may be educational, entertaining, funny, or just straight-up weird (I’m constantly amazed by the YouTube videos that my kids find).

This is another business opportunity that offers high income potential but requires some time and patience to build. The YouTube Partner Program, YouTube’s advertising program, requires you to have at 1,000 subscribers and at least 4,000 watch hours in order to make money from advertising.

7. Podcaster

Podcasting is another type of content-related business, focusing on audio content (although some podcasts are also available in video format). Although podcasting has been popular for several years, it’s still a much more wide-open market as compared to blogging.

You could start a podcast on a topic of your choice and make money through:

  • Sponsorships and advertisements
  • Affiliate programs
  • Creating and selling your own products

Just like blogging or starting a YouTube channel, starting a podcast would require you to put in the time to build your audience before you’re able to earn a significant income from it.

One of the interesting benefits of podcasting is that you may be able to build a very strong network. Podcasts often rely on guest interviews for content, and there are thousands of people who are actively looking for spots to appear on podcasts as a guest. Podcasters are able to meet a lot of people and make a lot of connections. As a college student, this could be extremely valuable to you if your podcast is related to the field that you plan to work in after graduation.

8. Tutor

One of the most practical ways to make money as a college student is to become a tutor. If you’re strong in a particular subject, you can tutor other students in your class that may be struggling, or students who are a year or so behind you. You could also tutor high school (or younger) students.

As a tutor, you can earn a nice hourly rate for sharing the knowledge that you already have. There are no costs to start the business, and you can start making money as soon as you have your first client.

9. Photographer

If you have some photography skills, starting a photography business is a natural choice, and there are several different ways that you could make money as a photographer, including:

  • Taking portraits or family photos for clients in your local area
  • Selling your photos at stock photography sites like Shutterstock
  • Becoming a contributor at Vecteezy and giving away free photos (you get paid based on number of downloads)
  • Writing for online publications like photography blogs
  • Creating and selling digital products for photographers (like Lightroom Presets)
  • Becoming an Instagram influencer (and selling sponsorships)

A photography business would be ideal for students who are studying something creative like art, design, or photography. It’s also the type of business that you could start part-time in college and grow to full-time after graduation.

10. Graphic Designer

Starting a business as a graphic designer is a great opportunity for those that have the right skillset. There is plenty of work available and sites like Fiverr make it possible to get started relatively quickly.

Of course, this would be an ideal business for students who are studying design, but anyone with some design skills could make it work. There are plenty of small projects for clients like designing images and graphics to be used with blog posts or social media posts.

Like several of the other opportunities mentioned already, a graphic design business is something that you could do part-time through college and then turn into a full-time business later.

11. Web Designer

Much like graphic design, web design is a skill that’s needed by many businesses, and you can make good money if you’re able to deliver for your clients.

Web design has changed a lot over the past decade. Today, many web designers are using platforms that require little-to-no coding to create custom websites for clients. You could use pre-made WordPress themes or plugins that give you customization options without the need to code.

Of course, if you’re able to code a website, that’s great. But if you’re not able to code, that doesn’t mean that you can’t work as a web designer.

Take some time to get familiar with a particular WordPress theme or drag-and-drop builder plugin and you’ll be able to meet the needs of most small businesses.

12. App Developer

If you have some coding skills, becoming an app developer is an excellent option. You could either develop mobile apps for clients, or start your own app in attempt to grow it as your business.

Coding skills are highly valuable, and the demand is likely to remain strong for the foreseeable future.

13. Dog Walker

Like many other service-related businesses, becoming a dog walker allows you to start making money right away. You can either create a profile on Rover or find clients in your local area on your own.

In many ways, becoming a dog walker is an ideal opportunity for college students:

  • You can start making money quickly
  • Decent average hourly rate
  • Flexible schedule since appointments can be scheduled around your classes
  • Lots of potential clients
  • Doesn’t require any experience or specific skills

14. T-Shirt Designer

For those who are creative, starting a t-shirt business may be an ideal opportunity. You could use a platform like Merch by Amazon or Printify to sell your t-shirt designs with a print-on-demand business.

A Print-on-demand business allows you to get started without the need to purchase inventory. You’ll upload your designs and the shirts will be printed as they are ordered.

This is a business model that will require some time and patience to build. You might not start making money right away, but the income potential is there if you have a long-term approach.

A college campus with thousands of students can be an ideal place to start and grow your own t-shirt business. Get some friends to wear your shirts and start to build some brand recognition and you may find that sales start coming quickly.

15. E-Commerce

If you’re interested in starting and growing an online business, e-commerce is an excellent option. E-commerce has never been more popular than it is today with millions of people not wanting to risk getting sick by shopping in stores.

You can sell just about anything through your e-commerce store, and you can also take advantage of existing platforms that allow you to launch a business very quickly. Amazon’s FBA program is an excellent option because Amazon will handle all of the order fulfillment for you, which means you won’t need to pack boxes or run to the post office every day.

Aside from selling on Amazon, you could use a platform like Shopify to create your own e-commerce website without the need to hire a designer or developer.

You might assume that an e-commerce business would require you to store your own inventory, which would not be ideal if you’re living in a college dorm room. But there are many warehousing businesses that receive and store your inventory for a relative low cost.

16. Book Reseller

Every college student knows that textbooks can be very costly. The best way to reduce the amount that you spend on textbooks is to buy used books from other students.

Most students are eager to sell their old textbooks because once the class is over, they’ll probably never use the textbook again.

You could start a business buying and reselling textbooks. There are probably some bookstores on or near campus that already do this, but you’ll be able to offer better prices thanks to lower overhead costs.

This business does require some investment in order to buy the books, but it’s possible to get started for a minimal amount and then grow the business slowly by reinvesting all of the money that you’re making. Having some money to invest when you get started will allow you to grow faster.

17. Musician

College students who have musical abilities may choose to turn those skills into a money-making opportunity. You could make money by performing, by offering lessons, or even by creating music and selling it online.

Some of the other opportunities on this list are likely to offer better income potential, but this could be a good choice for someone who plans to pursue a career in music after college.

18. Personal Trainer

Are you in the gym every day taking care of your own body? If so, you could probably make some money by using your knowledge and experience to help others as a personal trainer.

19. Model

It’s possible to make some money by working as a model in your spare time. You could be working for a photographer who is taking stock photos to sell online, for photos that will be used in advertising, or any number of other things.

To get started, you could use a site like Model Mayhem or advertise your services on Craigslist. You can also build up your profile on Instagram or other platforms that can provide some exposure.

20. Flipping

If you’re looking for a business that you can start quickly with no particular skills or experience, flipping could be a good option. It involves going to yard sales, flea markets, auctions, or other places where you can buy things for very low prices, and then reselling them for a profit. You might sell on eBay or the Facebook Marketplace to get higher prices than what you’d be able to get at a yard sale.

This is a relatively easy business that anyone can learn. As you get more experience, you’ll have a better idea of the types of items that are likely to make a profit, as well as how much you should expect to make from an item. To get started, you can refer to this list of the easiest things to flip for profit.

This free workshop will show you how to get started in 14-days or less: Flea Market Flipper

21. House Cleaner

Another business that can be started with no particular skills or experience is cleaning houses. You can schedule clients around your other commitments, so it’s a very flexible opportunity that can be done part-time.

As is the case with other service-related businesses, you can start making money as soon as you land your first client. Finding a client is usually not that difficult. Talk to everyone in your network to let them know that you’re looking for clients, post an ad on Craigslist, put your contact info on bulletin boards in your local area, or use a website like Care.com to create a profile.

22. Child Care Provider

Child care or babysitting is an ideal part-time opportunity. You can find some regular clients that need help on a consistent basis and work to grow your business by word-of-mouth. It’s not the highest-paying opportunity covered in this article, but there is a lot of work available.

Build Your Own Business As A College Student To Earn Extra Income

If you’re a college student and you’re looking to make some money, consider starting a business from home rather than settling for a low-paying part-time job.

Starting a business may not be the right fit in every situation, but consider the options covered in this article and see if one of them might be the right fit for you.

College student business ideas

20+ Business Ideas For College Students

Source: biblemoneymatters.com

Making Money Mortgage Tips

Meet the Man Who Makes $600 a Month Selling Crickets

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June 23, 2017 &• 4 min read by Kat Tretina Comments 0 Comments

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When Jeff Neal’s wife told him she wanted to quit her job to stay at home with their kids, he had to think about how to make one income work. With over $21,000 in student loans, there wasn’t much extra money lying around. Losing another income stream would be difficult.

But rather than give up hope, Neal did something no one expected. He launched a side business that helped bring in extra money: selling crickets online.

Yes, you heard that right. Crickets.

Now, Neal makes $600 a month selling bugs online at The Critter Depot, which helps him pay off his debt. Read on to learn more about this odd side hustle and how Neal has turned it into a steady income stream.

Searching for a Side Hustle

Neal graduated from Temple University and got a job as a project manager. While he made a good salary, he had student loan debt and a growing family. When his wife decided she wanted to stay home with the kids, Neal knew he had to make changes.

“My wife wanted to stay home, so I had to take full responsibility as the sole provider,” he says.

Since his full-time job involves e-commerce, he focused his side-hustle search on online jobs. After doing extensive research, he decided to put all of his efforts on one specific niche.

The area that he identified was in the pet industry; reptile and exotic animal owners need live crickets to feed their pets, but getting them can be difficult — and expensive. So, Neal’s site caters to pet owners, selling crickets of various sizes in bulk.

But before you rush out and buy tanks and crickets to replicate Neal’s success, you should know his approach is even more interesting. He actually doesn’t deal with the crickets at all. Instead, his business is a drop shipping company.

What Is Drop Shipping?

Drop shipping is a business model where the store doesn’t stock any of the items it sells. Instead, when a customer purchases a product, the drop shipper works with a manufacturer — or in this case, a cricket supplier — to fulfill the order. The drop shipper never comes into contact with the product, so wrangling crickets isn’t part of Neal’s day.

“I don’t know anything about raising crickets,” he admits. “They have short life spans and unique nutritional and environmental needs. It’s a lot of work that takes a lot of knowledge. When I set up my business, I found someone who breeds crickets. He takes care of them and ships them; I just handle the orders.”

For customers, drop shipping is a seamless process, whether it’s through Amazon or a private site. Most of the time, you don’t know when you’re buying from a drop shipper. Once your order is placed, the drop shipper works with the supplier to place the order, and you receive the item like you normally would.

Drop shipping can be a mutually beneficial relationship between the seller and supplier. In Neal’s case, he has the marketing expertise and skills to build a successful website and business. That gets the cricket farmer more exposure and more orders than he would get on his own. Neal estimates that he generates about $3,000 in sales each month from The Critter Depot and his cut is $600.

Previously, Neal primarily sold crickets on Amazon. But meeting Amazon’s strict standards is hard when you’re shipping live insects. He ended up taking his sales to just his website, which requires more work for him each day to build traffic.

His new income stream allows him to take advantage of other opportunities, too. He recently purchased the site Jason Coupon King, which generates another $700 a month in revenue.

Balancing a Side Gig With Life & Work

While Neal’s side hustle is successful, he has to balance his work with his full-time job and his family. But that’s why he says drop shipping is a great option. It gives him the flexibility he needs while still allowing him to earn extra money.

“I don’t have a television, so when I come home from work, I just spend time playing with the kids and catching up with my wife,” says Neal. “Once they’re in bed, I work on optimizing my websites, contributing to forums and building links to my sites.”

Neal says he spends an hour or two a day after work on his side hustle and that his business is still growing. The extra income is substantial enough to help him pay off his student loans early and give his family more wiggle room in their monthly budget. (You can keep tabs on your own finances by viewing two of your credit scores for free on Credit.com.)

Making Extra Money

While selling crickets might not be for you, Neal’s story is just another example of the many ways you can make money on the side. If you’re struggling to make ends meet, or need more income to pay down debt or boost your emergency fund, launching a side hustle can be the right approach.

Photo courtesy of Jeff Neal 

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Source: credit.com

Making Money

7 Inexpensive Home Décor Ideas

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From DIY message boards to homemade clocks, there’s a lot you can do to improve your home décor cost-effectively. Here are just 7 great ideas to spruce up your home. 


Bruce and Jeanne Lubin
March 29, 2019

lemons, limes, oranges, or a mixture.


We love these unique placements for your kids: Buy an inexpensive or secondhand picture book, then pull out the pages and laminate them using laminating paper you can find at office supply stores. They’re waterproof, original, and cheaper than store-bought placemats.

Framed Napkins

For an easy, inexpensive decoration that looks great in any room, frame cloth napkins. Use family heirlooms, or find some beautiful designs suitable for framing at stores like World Market, Pier 1, or Target. Place them in some square frames and hang them in a row.

Homemade Message Board

Need a place to write notes for your family? Make a cabinet door scribble-friendly by painting it in either blackboard or magnetic paint. That way, you and your kids can use chalk to write on the “blackboard” or attach notes with magnets. Alternatively, hang cork tiles for a handy tack-on message board.

Plastic Cup String Lanterns

Here’s a creative decorating project for kids and adults like: You’ll need string lights, plastic cups, and various art supplies. First, decorate the plastic cups with colored markers, paints, glitter, googly eyes, or any other fun embellishments you can find at a craft store. Then, poke one light bulb into the bottom of each cup, so the light illuminates the cup from the inside. You’ll have a beautiful string of lanterns to hang in the playroom, a kid’s bedroom, the living room, hallway, or along a staircase.

Olde Time Idea

Make apothecary-style jars by gluing dollar-store glasses on top of candlestick holders. Use them in the bathroom to hold supplies like cotton balls, or decorate an end table with a few different styles. They’ll look just as good as the expensive kind without costing you a lot.


An easy way to add custom knick-knacks to your home is to buy clock mechanisms from your hardware store. These do-it-yourself clocks are just the hands and the motor, and allow you to add them to household items, turning them into clocks. Add them to tins, plates, photos with a cardboard backing, or just about anything else in your home. All it takes is a little creativity!

For more great tips, make sure to sign up for our newsletter and follow us on Facebook!

Photo by Who Knew?

About the Author

Bruce and Jeanne Lubin

Bruce Lubin and Jeanne Bossolina-Lubin are the proud parents of three boys and more than a dozen books. After saving thousands per year using everyday tips and simple lifehacks, they started their own business in the hopes of sharing their knowledge with others. They have been known to go into their friends’ refrigerators to turn their eggs upside down so that they last longer.

Source: quickanddirtytips.com

Making Money Mortgage Tips

“Get My Payment” Stimulus Check Status Tool Updated By The IRS

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In the past few weeks we’ve written a lot about the 2020 stimulus check, also called the economic impact payment by the government.

Stimulus payments have now started to go out, and a lot of people have started to receive their $1,200 direct deposit payments as individuals, and $2,400 payments as a couples (in addition to $500 for each eligible child).

While many have started to receive their payments in their bank account, and some others are even starting to talk about whether there will be a second stimulus check, others like myself have been left wondering why they haven’t received their payment.

Is there some sort of holdup? Am I not eligible to receive the payment after all?

Stimulus check get my payment tool problems

Thankfully, the IRS released a “Get My Payment” tool on their site for people to check the status of their economic impact payment, and if they haven’t already supplied it, to give the government their direct deposit information.

For people like me, who didn’t get a refund in the past couple of years (I owed money), a tool was needed so we could enter our bank account information so we could get a direct deposit, instead of waiting weeks or months for a physical check.

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Payment Status Not Available” status message showed up for a lot of people who tried to get the status of their economic impact payment.

The message was supposed to be given when the IRS was not able to determine if the taxpayer was eligible for a payment because they didn’t have the taxpayer’s data yet. It could also be shown if the taxpayer wasn’t eligible for a payment for some reason.

Typically you should get this message if you hadn’t yet filed your 2018 or 2019 taxes.

The problem was that a lot of people were getting this message despite having filed 2018 or 2019 taxes, and knowing that they should have been eligible for the stimulus check.

Big Data Update On The Get My Payment Tool

After a taxpayer outcry at how many people were getting the “Payment Status Not Available” error, the IRS sent out guidance that this error can happen when the tool doesn’t yet have the data for a taxpayer, even for those who have filed, or who are eligible. They also released a Get My Payment FAQ answering a lot of questions that people had about the tool and status messages.

They clarified that they are continually adding taxpayer data to the tool to allow more eligible people to use it.

The data updates are happening on a daily basis, and they recommend to check back once a day to see if your data has been added to the tool yet.

Less than a week ago a large number people reported that they were now able to use the tool and were no longer getting the error message.

We suspect that the IRS had added and updated a larger portion of the data this week due to the fact that paper stimulus checks started going out around the 24th of April.

Keep Trying To Add Your Direct Deposit Information Until Successful

I was personally getting the “Payment Status Not Available” status message despite knowing that we were eligible based on our 2018 return.

After seeing that other people were having success now and were able to get in and update their direct deposit information, I went back and tried to update our information as well.

This time after entering all of my verification information, the tool allowed me in and told me that I was eligible for the payment. It gave me the option to enter my direct deposit information. I entered all of my bank information and it gave me a confirmation that my account was accepted, and that the payment would be deposited into my account.

Now when I go back to the tool looking for an update I get a new message. It says that I’m eligible for the payment, and that it will be deposited into my account. It also confirms that a letter will be sent in the mail to confirm the payment.

Once the payment has gone through the status message will change to a confirmation message stating that my payment has been sent, and how.

What If The Get My Payment Tool Still Doesn’t Work?

What happens if the tool still doesn’t work for you and you can’t enter your direct deposit information? Will you still get your stimulus check?

It appears that for those who aren’t able to get into the tool, but who are eligible for a payment, if the taxpayer can’t enter their direct deposit information via the tool in time, they will end up getting a paper check.

When Are Paper Checks Going Out?

When are paper checks going out?

The IRS announced that the checks are being sent out in order with those with the lowest incomes getting the checks first.

  • Earn $10,000 or less – April 24th
  • Earn $20,000 or less – May 1st
  • Earn $30,000 or less – May 8th
  • Earn $40,000 or less – May 15th
  • Earn $50,000 or less – May 22nd
  • Earn $60,000 or less – May 29th
  • Earn $70,000 or less – June 5th
  • Earn $80,000 or less – June 12th
  • Earn $90,000 or less – June 19th
  • Earn $100,000 or less – June 26th
  • Earn $110,000 or less – July 3rd
  • Earn $120,000 or less – July 10th
  • Earn $130,000 or less – July 17th
  • Earn $140,000 or less – July 24th
  • Earn $150,000 or less – July 31st
  • Earn $160,000 or less -August 7th
  • Earn $170,000 or less – August 14th
  • Earn $180,000 or less – August 21st
  • Earn $190,000 or less – August 28th
  • Earn $198,000 or less – September 4th

If your check isn’t going to be sent out right away, you’re probably still better off entering your direct deposit information via the “Get My Payment” tool, as you’ll likely receive the payment faster than if you didn’t.

Otherwise, if you have an income that is on the lower end of the above scale, your check may already be in process. Stay tuned to the tool for updates!

IRS Scenarios For How To Use The Get My Payment Tool

The IRS has recently released a new page on their site to help clear up additional confusion about who can use the “Get My Payment” tool, and what it will do for them.

For example, it says that if you filed a 2018 or 2019 return and included direct deposit information to receive a tax refund, you can only use the “Get My Payment” tool to track the status of your payment. You can’t update the account information since you already supplied it with your return.

If you’re like me and you owed money in 2018 or 2019, you can use the tool to track your payment status and to add direct deposit information.

For others who were not required to file taxes (because they didn’t earn enough) and don’t receive Social Security, Veteran’s benefits or Railroad Retirement benefits, they will have to use the Non-Filers tool to supply their basic information to the IRS. Once they have done that they can use the “Get My Payment” tool to track the status of their payment.

Did you have problems with the “Get My Payment” tool? If so, are you able to enter your information or track your payment status now after the recent big data update?

Source: biblemoneymatters.com

Making Money

5 Ways to Take Care of Your Home During Winter

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Winter is coming! Check out these five ways to take care of your home this winter that you may not have thought of.


Bruce and Jeanne Lubin
December 12, 2018

check out these tutorials from EnergyStar.gov.

Clean a Fireplace With Cola

Try an old masonry trick to brighten up soot-stained brick. Mix a can of cola with 3½ fluid ounces all-purpose household cleaner and 3 ½ quarts water in a bucket. Sponge onto sooty brick and leave for 15 minutes. Loosen the soot by scrubbing with a stiff-bristled brush. Sponge with clean water. For a stronger solution, add more cola.

What are your favorite tips of taking care of your home in the winter? Share them with us in the comments section below!

Images courtesy of Shutterstock and Who Knew?

About the Author

Bruce and Jeanne Lubin

Bruce Lubin and Jeanne Bossolina-Lubin are the proud parents of three boys and more than a dozen books. After saving thousands per year using everyday tips and simple lifehacks, they started their own business in the hopes of sharing their knowledge with others. They have been known to go into their friends’ refrigerators to turn their eggs upside down so that they last longer.

Source: quickanddirtytips.com

Making Money Mortgage Tips

Donating Plasma For Money: Best Places To Donate Plasma To Make $300-400 A Month

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If you’re looking to make a little extra cash, and help others while you’re at it, you may want to consider donating plasma.

Thousands of Americans across the country are lining up to earn a little extra cash through blood plasma donation. The plasma donation process is similar to giving blood but does take a little longer. Thankfully you can be compensated for your time.

Donating plasma offers the potential to earn $300 to $400 a month. Before you get started, however, you need to be aware of what’s involved to help you make an informed decision. 

Donating Plasma For Money

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ABC News that 94% of paid plasma that was used to create medicines around the world, was donated by American donors. 

Blood plasma is the part of the blood that’s actually a clear liquid. It consists of water, enzymes, antibodies, and proteins. Plasma donation is different from giving blood at the Red Cross, however. 

To obtain the clear plasma, your blood is drawn, then the plasma is separated. The blood is then returned to your body. 

There are hundreds of donation centers around the country. However, to donate, you must typically meet some basic requirements. 

  • You must be aged 18 to 69
  • You must weigh over 110 pounds
  • You must have proper levels of iron, hemoglobin, and blood
  • You need to pass a basic physical and be free of infectious diseases
  • You must have a legal Social Security Card or government ID to prove that you’re a citizen. 

The rules can vary according to your home state. Local laws may even override the requirements of the plasma donation center. For example, some states have a higher age requirement than the typical center age of 18.

Some states also have rules prohibiting people with piercings or tattoos from donating. There may also be a minimum number of donations permitted within a specified timeframe. 

If you don’t qualify as a plasma donor, you may be given a temporary or permanent deferral. Temporary deferrals occur if you’re sick, your blood, iron or hemoglobin levels are too low, or you’re recovering from a procedure. You’ll be advised on what to do and when you can return to donate plasma for money. 

Permanent deferrals typically result from your age, weight, or if you have a medical condition that could negatively affect you or the recipient of your blood plasma. However, if you believe the permanent deferral was given in error, you can obtain a second medical opinion to try to overturn the decision. 

How To Prepare To Donate Plasma

In order to donate plasma, you will need to hydrate, avoid alcohol and caffeinated drinks, eat healthily, and prepare the necessary paperwork. 

Before you visit a plasma donation center, you will need to drink plenty of fluids and eat heart-healthy meals such as vegetables, fruits, and fish. You should also try to avoid high cholesterol, fatty foods. 

Being properly hydrated is crucial, so you should drink plenty of water the day before and the day of donation. Caffeinated drinks and alcohol are diuretics, so it is best to avoid them, as they can dehydrate you. 

When you arrive at the center, you will need to present your Social Security card, a photo ID and proof of address. Your name and address should match on all of your documentation. 

What’s Involved In Donating Plasma?

If you’re a first time donor, you should plan for your visit to the center to take up to two hours. When you arrive at the center, you’ll be asked to complete a health history and go through a basic physical. This can include a heart check, urine test, and reflex test. They will also prick your finger to test your iron, blood, and hemoglobin levels. 

Once they are ready for you to begin donating, you’ll be sat in a semi-reclining chair. The actual process looks similar to standard blood donation. However, as the process is more involved compared to donating blood, the actual donation part takes up to an hour. 

When your blood is drawn, the center team separates the plasma using a plasmapheresis machine, and the blood will be returned to your body. 

If you choose to donate again, the process will be quicker. Future donations typically take an hour, since you only need to confirm nothing has changed about your medical situation. 

If you plan on donating plasma regularly, bear in mind that there are limits. Generally, you can donate no more than twice a week, but you need to leave 24 to 48 hours between donations. This allows your body enough time to replace the lost plasma. However, drinking plenty of water can assist in this process. 

One common concern is if it will hurt to donate plasma. However, the discomfort involved is similar to donating blood. 

In addition to the finger prick, the technician will use an IV and needle to draw your blood and return the plasma free blood to your body. When the blood is returned, it is mixed with saline. This can make it cold, which can cause a little discomfort. So, it is a good idea to bring a jacket or blanket. 

Obviously, if you start to feel very uncomfortable during donation, tell the technician immediately. 

How Much Can You Earn Via Your Plasma Donations?

If you choose to donate twice a week, there is the potential to make up to $400 a month or up to $50 per donation. That’s not too shabby, given that it will typically take 60 to 90 minutes per visit. 

There are factors that will determine your earning potential for plasma donation, however. In addition to how often you donate, your weight, the quantity of plasma you donate, and which donation center you use will influence your earnings. 

Typically, if it is your first time donating plasma, you’ll make more. Many centers have incentives for new donors, and since the process takes longer, you’re compensated accordingly. 

Additionally, the FDA requires that plasma donations correspond with body weight. So you’ll get paid more if your body weight is more, since you can donate more plasma. Generally, the weight ranges are split up in ranges similar to this:

  • 110 to 149 pounds
  • 150 to 174 pounds
  • 175 to 400 pounds

Also, you may have a certain type of protein that’s in high demand. If you carry this type of protein in your plasma, the center may offer you more money. 

Some centers also offer “frequent flyer” incentives. So, you’ll receive more per donation if you regularly visit the same centers. 

Where Can I Donate Plasma?

A great place to start when looking for the highest paying plasma donation center near you is to check out the website DonatingPlasma.org. It has an easy to use search tool where you can plug in your city/zip and it will show you centers near you.

Although the FDA inspects donation centers to ensure compliance with the laws, it does not own or manage them. These centers are operated by third-party for-profit companies, and there is no central organization that receives plasma. You’ll need to either use a site like DonatingPlasma.org or search Google for “plasma donation near me” and ensure you choose an FDA compliant location. 

Highest-Paying Plasma Donation Centers

Plasma donation is a competitive business. It is worth comparing the earning potential if you have multiple centers in your local area. You may even find you can obtain higher than typical payouts. 

A good starting point is to look for first-time plasma donor bonuses. Many centers promote bonuses on their websites (many of which you’ll find below). This could allow you to earn $500 in your first month rather than $300. Donation centers also run promotions where you can earn more if you return to donate again. Although it can feel strange to see promotions and coupons on a donation site, this is how the industry works, so be sure to take advantage of the best deal. 

Here are some of the trusted donation centers in different states and what you can expect to be paid.

best places to donate plasma for money

B Positive Plasma

B Positive Plasma is one of the highest paying plasma donation centers out there, but they currently only have locations in MD and NJ.

You can earn up to $500 a month, and they sometimes have promos for first-time donors where you can get $50 per donation for your first five donations.

You’ll get paid fast via a Visa Debit card and you can earn even more by referring a friend!


Biolife operates in 28 states in the USA, including AZ, AR, CO, FL, GA, IA, ID, IL, IN, MI, MN, MO, MT, NC, ND, NE, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. 

New donors at certain centers can earn bonuses, which offers the potential to earn up to $600 in your first month. Centers also run local promotions. The typical rate is up to $50 per donation. Payments are made with a Biolife prepaid debit card. 

Biotest Plasma Center

Biotest Plasma Center has locations in AR, FL, GA, IA, NC, NE, NM, OH, PA, SC, SD, TX. You can earn up to $50 for the first five donations, and subsequent donations will earn you $35 to $45. There are also sweepstakes and bonuses when you refer a friend, which can boost your earnings. Payment is made via a Mastercard prepaid debit card. 

BPL Plasma

BPL Plasma has centers in AR, AZ, CO, FL, IL, KY, ME, MN, MO, NC, NM, OH, OK, TX. They offer up to $50 for your first five donations, but there are seasonal promotions to boost your earnings. 

However, BPL Plasma requires donors to be 18 to 65, rather than 69 and not to have had any tattoos or piercings in the last 12 months. 

CSL Plasma

CSL Plasma has locations in AL, AZ, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MS, MO, NE, NC, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, WV, WI. There are also multiple locations within the same state. For example, in Alabama, there are Birmingham, Auburn, and two Montgomery centers. 

You can earn up to $50 per donation, with a potential for up to $400 a month. There are also monthly promotions. You’ll receive points that you can redeem for prepaid debit cards or merchandise. 

GCAM Plasma

GCAM Plasma has locations in CA, ID, IN, TX, WA, and you can earn up to $25-$40 for each donation. Payment methods vary, so you would need to contact your local center. 


Grifols has more than a hundred locations across the U.S including AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MS, NC, NV, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI. This company owns a variety of centers, including Biomat USA, Talecris, Plasma Biological Resources, and Interstate Blood Bank. 

You can expect to receive up to $25 per donation via a prepaid debit card. However, Grifols also operates a refer a friend program for additional bonuses. 


Immunotek has locations in 8 states including AL, FL, MS, NC, PA, SC, TN, TX.

The amount you can earn isn’t listed on their website, and pay rates for donations vary from location to location.

They do offer a $20 referral bonus when you refer a a friend who donates.

Interstate Companies

The Interstate Companies has locations in 14 states including FL, IL, IN, KY, MD, MO, MI, MS, NC, OH, PA, TN, TX, WI.

While they don’t list how much you can earn on their website, users online have stated they pay $50 each for the first 5 donations, and anywhere from $25-35 per donation after that.


KEDPlasma has centers in 11 states, including AL, FL, GA, LA, NC, NY, SC. 

You can earn up to $50 for your first five donations. However, returning donors may qualify for a $20 lapse bonus coupon”. You would need to leave at least 14 days between donations.

This company also operates Kedrewards, a loyalty rewards program, which creates an opportunity to earn additional bonuses. The payment methods can vary according to location, but typically you’ll be offered a prepaid debit card. 

Octapharma Plasma

Octapharma has more than 100 locations across the USA including AL, AR, CA, FL, GA, IA, IL, IN, KS, LA, MD, MI, MN, MO, MS, NC, NE, NV, OH, OK, SC, TX, UT, VA, WA, WI. 

You can earn up to $50 each for your first five donations. There are also frequency bonuses and a New Donor bonus. For example, you may earn extra if you donate more frequently in certain months. This is usually when there is a high demand for plasma but few donors. 

You’ll be paid via prepaid debit card, but you can also accumulate reward points that can offer sweepstake entries and other discounts. 

The Tax Implications Of Donating Plasma For Money

Most plasma donation centers will load your payment onto a prepaid debit card. You’re unlikely to be provided a tax form that reports your taxable income as you would with a day job.

However, not getting a 1099-MISC IRS form will not let you off the hook. You’re required by the IRS to file a return if you make more than $400 from “gig work”. Donating plasma does count as gig work, so keep a track of your earnings.

You will be responsible for reporting the income made from donating plasma when you file your taxes. So, it is a good idea to set aside a few dollars of each payment to avoid a nasty tax surprise. 

The Side Effects And Potential Risks Of Plasma Donation

Of course, you should not try anything without being aware of the possible side effects and potential risks. Fortunately, plasma donations are considered relatively safe. It is a well-understood process, but there is a possibility of side effects. 

Many of the possible side effects are similar to donating blood. Since needles are involved in the process, you may experience tenderness or bruising around the injection site. There could be discoloration, pain, or swelling, but these should subside relatively quickly. You may also have a reaction to the disinfectant used. This is often iodine, so if you know you have an iodine sensitivity, mention it to the center. 

Some donors can also feel faint or experience dizziness. This is due to fluid being removed from the body, which causes a reaction to this stress. You can minimize your risk of this by drinking plenty of fluids the day before and the day of donation.  

In less common cases, you may experience a citrate reaction. This is an anticoagulant that they use, so the blood doesn’t clot during collection. You may experience a reaction to the citrate, which often presents as a tingling in the fingers or around the mouth and nose. In severe cases, it can cause shortness of breath, shivering, twitching, or a rapid or slowing pulse. 

If you experience any symptoms during the donation process, it is important to let the center staff know. You should also follow instructions following the donation. For example, you may be told to remain seated and have a drink after donation. This will help your body to recover from the stress of donation. 

Donating Plasma After COVID-19

The COVID-19 pandemic has had a serious impact on the economy and it may be the reason why you’re considering donating plasma to make extra money. Fortunately, it is possible to donate plasma even if you’re recovering from COVID-19. 

In fact, the FDA is encouraging people to begin donating after a negative COVID test and “complete resolution of symptoms”.

President Trump came out with statements this week encouraging people to donate plasma after having COVID-19 so that the medical community can get plasma with the antibodies to help patients who are still struggling with the disease. You will need to wait at least 14 days after your symptoms are resolved before you can make a donation, but giving your plasma with antibodies can be very helpful, and life-saving, for those in need. 

Donating Plasma Is A Legit Way To Earn Some Extra Cash

Donating plasma is a legit way to earn some extra cash while helping others with life-saving plasma.

You only need two or three hours a week to donate plasma and you could make $300 to $400 a month. Anyone can do it as long as they meet the guidelines, and as long as they have no qualms with being stuck with a needle and sitting in a chair for a few hours a month. If that sounds like you this could be an easy way to earn some extra income. 

If you’re not comfortable with the idea of donating plasma for money, you can still donate for free. You can visit your local Red Cross Center to donate blood plasma. The Red Cross allows donations every 28 days, so you can still help people and potentially save lives.

Have you gone through the process to donate plasma for money? Tell us how it went!

plasma donation for money

Donating Plasma For Money: Best Places To Donate Plasma To Make $300-400 A Month

Source: biblemoneymatters.com

Making Money Mortgage Tips

How to Make Money Online

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Working remotely or online is a rapidly growing trend. Whether you’re out of work and need a new career, or you need a convenient way to make extra cash, find out how to make money online with this guide. You’ll discover the top industries, statistics about the rise of remote work and all the tips and tricks you need to get started today.

The Rise of Online Work

The dramatic increase of communication technologies has caused rapid growth in the number of remote workers. Currently, 70% of all professionals have worked remotely at least one day. Another survey by AND Co and Remote Year found that 55% of remote workers work full-time.

Many people who work online prefer it to traditional work. If you want to know how to make money online and want a happy, more productive work life, online work may be for you.

Who Works Online?

People who choose remote work come from many different industries and backgrounds. Online work can be performed from any location. These are just a few of the types of individuals who enjoy the freedom and flexibility of online work:

  • Stay-at-home parents
  • College students
  • People who can’t drive
  • Residents of rural locations
  • Part-time workers
  • Retired folks
  • Introverts

Many online jobs offer part-time or full-time options. Freelancers, in particular, have a great deal of flexibility when it comes to choosing the number of hours they want to work. Whether you need a full-time alternative career or are simply looking for an easy way to make additional income, there are ways to make money online for your particular situation.

Best Industries for Working Online

You may be surprised at the variety of jobs available for online workers. The latest platforms, like Slack, are designed to help connect remote workers. And you don’t have to be a software developer to find a great online career.

Some industries use jobs boards. These websites host diverse career, job and gig opportunities for nearly any skill level or experience set. You can browse these websites to find odd jobs whenever you need additional income. You can also look for a dedicated career and full-time employment on a site like FlexJobs.com or by simply adding “remote” to a search on any job site. While there are many careers available, here are some common industries with online andremote work opportunities.

Web Development

Web development is a career that easily transitions to an online position. Because all of the work is done via the Internet, it’s easy to conduct your work from home or any location. You’ll need experience developing websites to be successful.

Choose to start your own company and begin advertising immediately, or search for jobs in web development with an established business for a more stable and immediate paycheck.

Multi-Level Marketing

Although this industry isn’t necessarily online, it’s gained popularity in the past decade thanks to social media. Social media has made it far easier to market your business. These jobs rely on people to sell products or services to their friends, family and neighbors.

This career doesn’t require any specialized experience, so it’s a great option for getting started with online work. Those who are most successful know how to create engaging social media posts, vlogs and other promotional materials. It may not begin paying immediately and is usually a part-time income source.

Content Writing

Writing is a popular way to earn income on your own time. If you’re a skilled writer who is excited about exploring new topics and writing dynamic blogs and web pages, you’ll love a career as a content writer.

Finding a high-paying job can require some digging, but there are many content-writing job boards, companies and gig opportunities online. Content writers can also choose to launch their own business, which requires some patience, persistence and marketing skills.

Editing and Proofreading

Do you have an eye for grammar mistakes? Editing is a popular way to earn online for anyone with experience proofreading, correcting mistakes and refining content. Depending on your experience, editing positions typically pay better than writers. However, many editors are required to have previous experience or a degree in English or a related field.

Teaching and Tutoring

Perhaps the most popular and trending industry is online teaching. Most of these positions are teaching English as a second language, but someone with a teaching certificate or experience can also find a position teaching another subject.

Check out companies that operate out of countries all around the world. Whether teaching adults or children in China, Brazil, South Korea, Russia or any other country, this field can be very rewarding. Prepare to plan around time zones and teach at odd hours.


Interested in sharing your opinions online? There is a diverse range of survey-taking positions that pay a small amount for every survey. The work may not pay as high as others, but it requires no experience and is easy to find. Testing apps, shopping surveys or surveys about website experiences are all available for anyone interested in filling out forms for some extra cash.


Just like traditional investment options, there is a diverse range of online investing opportunities. Use affiliate marketing, make online investments or shop for real estate online. It’s a great way to flex your financial muscles, or you can take out a loan to get started. Not only will you be working online, but you can also generate passive income.

Benefits of Online Work

Working online offers many great benefits compared to traditional careers. Whether you’re feeling stuck in an office or looking for a way to make some extra money in the evenings, here are some of the common benefits reported by online workers:

  • Ability to travel while working
  • Working beyond retirement age
  • Flexible work/life balance
  • More environmentally friendly
  • Lower stress and higher morale
  • Increased efficiency and productivity

Of course, remote work isn’t for everyone. There are some disadvantages to online work that can cause some people to feel less fulfilled with this career option. Some remote workers experience higher levels of stress, loneliness or an inability to meet personal deadlines. Without a community to keep you accountable, it can be difficult to stay productive.

Successful online workers are able to set their own schedules, be proactive when finding work and manage multiple schedules easily. If you have these skills, even a basic understanding of computers is all you need to start your new and exciting career.

Start Making Money Today

Start your online job today. It’s easy to get started, and most gigs don’t require any additional equipment or software. Once you’ve started earning additional income, leverage your savings with a high-yield savings account. With high interest, you’ll see a greater return on your savings and can take advantage of your extra income today.

Sign up now.

Source: credit.com