How to Turn an Idea Into a Business: A 7-Day Jump-Start

click photo for more information
How to Turn an Idea Into a Business: A 7-Day Jump-Start
Chances are you’ve daydreamed of what it would be like to run a business of your own. Perhaps you’ve thought of an idea that could be a real moneymaker. But you weren’t sure how to act, so those dreams faded to the background as you trudged through your day job(s). To get you back in entrepreneur mode, we’ve created a seven-day bootcamp to turn your idea into a business. We’ve paired each day with a strategy to help you chisel away at your goals. And what’s this? Feb. 15-22, is National Entrepreneurship Week? What timing! Chartered in 2006, the weeklong congressional initiative “encourages the implementation of entrepreneurship education throughout the United States.” Dreams, you’re back. That business you’ve always wanted to start: It’s happening. By the end of the week, if all goes well, your momentum should carry you into a future where every week is entrepreneurship week. Day 1: Brainstorm Ideas Business ideas don’t have to be glamorous. They just need to be realistic. They don’t need to be based on a genius invention, a scientific breakthrough or a Shark Tank-worthy smartphone app (though they certainly could be). At their core, good business ideas identify existing problems and offer solutions. Kathyrn Gratton is the president of the Hagerstown, Maryland, chapter of Score, a free small-business resource network and partner of the federal Small Business Administration. She spoke to The Penny Hoarder about coming up with a winning idea. “Where’s your interest? Where’s your passion?” she said, noting that your ideas need to be more than potential moneymakers: You should also enjoy the work. It’s OK if you can’t think of anything on-the-spot. The Penny Hoarder compiled nine business ideas to get your creativity flowing. Day 2: Choose a Winner Now that you’ve got a long (or not-so-long) list of potential business ideas, you’ve got to decide which one to run with.  Consider your own expertise. Use your insider experience and knowledge to pinpoint what’s original and novel about your idea. Start thinking about the connections you have, and how those people can help you get started. You may realize later that, actually, the idea you picked wasn’t a winner. You need to rethink it, or return to your list. That’s OK too. The point of this weeklong exercise is to make progress. And determining that the idea you’ve been mulling over for a while is unfeasible is progress. Day 3: Get Feedback Feedback is crucial in the early stages of business building. The more the better — and the more critical the better. While you might think you have a brilliant idea, sooner or later, your business is going to need to convince a ton of other people of the same thing. Within the constraints of day three, you’re not going to be able to test any markets or run any focus groups. Simply asking for constructive feedback from your neighbors, friends or family members will be tremendously helpful. Think you’re onto something? Read our comprehensive 10-step guide to starting a business once you’re ready to launch. Gratton recommends asking that one brutally honest friend we all have. You know, the one that’s comfortable with telling you if you’ve gotten fat over the holidays. “They are the best to run things by because you know they will tell you the truth,” she said. FROM THE MAKE MONEY FORUM Is there Really a way to make MONEY ONLINE? 2/14/20 @ 2:34 PM Earn well with little Money? 2/14/20 @ 3:06 PM Financial Fitness February: Day 7 (Big WIN) 2/8/20 @ 12:37 AM Make money from home 2/2/20 @ 12:47 AM See more in Make Money or ask a money question Day 4: Outline a Business Plan Don’t roll your eyes. Business plans are worth it. A 2016 study published in the Strategic Entrepreneurship Journal found it indeed pays to plan: Entrepreneurs who wrote formal business plans were 16% more likely to “achieve new venture viability” (aka succeed) than those who didn’t.  While it’s true that you won’t be able to – and probably shouldn’t – draft an entire business plan in one day, you can spend your time creating an outline that will set you up for success. In the article-turned-book “How to Write a Great Business Plan,” Harvard business professor William Sahlman lays out the purpose of a business plan and exactly what to include in it. The People: Who’s running the show? Include yourself and everyone else you’ll need for operations to run smoothly. The Opportunity: Explain your product or service and who might buy it. Start thinking about price points, customer demographics and competitors. The Context: Consider all “factors that inevitably change but cannot be controlled by the entrepreneur,” Sahlman writes. That includes laws, regulations and economic trends that could impact your idea. The Risk and Reward: Describe the worst-case scenario, economically speaking, and how you plan to weather the storm. Use those four sections as a starting point for your outline. As you fill it out, you’re very likely to find some deeper insight into your business – or you may find it’s just not going to work. The sooner you learn from either scenario, the better. Day 5: Craft a Business Pitch You’ve done all the heavy lifting for the week. Hopefully that dream you thought was long dead is starting to come alive. Now it’s time to polish up your findings and start sharing the basic premise of your idea and why it’s destined to be successful. Or at least be ready when the opportunity strikes. To help you know what to include in a killer business pitch, The Penny Hoarder spoke to two former Shark Tank contestants who pitched their businesses in front of millions of viewers – nailed their performance – and now helm multimillion-dollar enterprises: Dawoon Kang, CEO of the dating app Coffee Meets Bagel, and Sara Margulis, CEO of the honeymoon-crowdsourcing website Honeyfund. “Succinctly stating what your business is, why it exists and why it’s better than everyone else is really important,” Margulis said. “Any time you talk about your company, you should be able to convey those things simply.” That succinct part is especially important. Here are Kang and Margulis’ other key nuggets of advice. Know your audience: No matter whom you speak to, your pitch should include the core elements Margulis mentioned, but you’ll need to tailor it slightly to different people. Is it a customer, an investor or a business partner? What does each of them need to hear? Include a call to action: Depending on your audience, the call to action should change. Suggest a clear next step, something more specific than: “Let’s stay in touch!” Practice: Pacing, enthusiasm and data are a lot to juggle. You won’t know what part of your pitch sticks with your listener unless you test it out. Apply feedback: Your business pitch is never truly finished. You may learn that people want to hear more about a detail you thought was unimportant. Hear them out, and make the changes to keep it fresh. “It feels like (I’m pitching) all the time … but what I’m realizing is it’s actually not enough,” Kang said. “There’s a saying: ‘Unless you’ve said it 10 times, you [...]
1
7

Favorite! Would you like to add notes/tags?

Life Update: Pregnancy update (28 weeks) + Camp No Boys Allowed

click photo for more information
Life Update: Pregnancy update (28 weeks) + Camp No Boys Allowed
28 weeks! Third trimester, baby!!!! Highlights This week I felt quite a bit better than last week — and I had a good week last week so that was unexpected to have an even better week this week!! Last week, mentioned having a lot of pelvic pressure. To my big surprise, the pressure was almost non-existent this week — I think maybe the baby moved up some + I sat on the exercise ball a lot and went to the chiropractor?? I still can’t believe I’m 28 weeks pregnant and feeling as great as I am! Notable I had my last monthly appointment with my OB. Now, I’m moving to every 2 weeks until I get to 36 weeks and then it will be every week until the baby arrives!! My appointment went great and I’m measuring right on track. The weeks are still going by quickly and I’m so grateful! Some days, I do miss the pregnancies when my kids were little and I could spend a lot more time resting because our life was much quieter. But most days, I’m so grateful to be in this season with multiple activities every day and people coming in and out of our house + full-time work I love so much, so many opportunities to pour into people, hang out with friends, & be involved in our church. Cravings My appetite has picked up even more again — it feels like baby is going through a growth spurt! Since all of the third trimester is a growth spurt, this might be par for the course for the next number of weeks… until I completely run out of room for my stomach. Weight gain: 20 lbs. Kaitlynn and I spent Friday night through Sunday afternoon at our church’s girls’ youth group camp called Camp No Boys Allowed. (I co-lead one of the 8th grade girls’ groups.) We spent the weekend laughing, having deep conversations, listening to messages, more late-night talking, eating too much junk food, a Silent Disco Night, a Musical competition, and lots of games. I came home tired, but so, so happy I get the honor of helping to lead and pour into these girls. I love them and their hearts and their personalities so much! They performed a song from The Sound of Music for the competition. Aren’t they beautiful??! Their hearts are even more beautiful! [...]
1
21

Favorite! Would you like to add notes/tags?

How to Make a Staycation a Vacation

click photo for more information
How to Make a Staycation a Vacation
Taking a vacation sounds dreamy, doesn’t it? You get to kick back, relax and maybe take that much-needed nap by the beach. As much as you’d love to book a few nights at the all-inclusive resort in Mexico, the reality is that your budget is a bit tight, or it’s hard to round up the ... Read More about How to Make a Staycation a Vacation The post How to Make a Staycation a Vacation appeared first on Penny Pinchin' Mom. [...]
3
50

Favorite! Would you like to add notes/tags?

Traveling Abroad? Take 2 Credit Cards — Here’s How to Choose Them

click photo for more information
Traveling Abroad? Take 2 Credit Cards — Here’s How to Choose Them
International trips involve careful planning, but while you’re packing your suitcase and making a list of must-try restaurants, don’t forget one important detail: how you’ll pay for stuff once you arrive. Plotting out what to pack in your wallet can spare you some serious travel nightmares. Our advice: Pack two cards and grab some cash... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Traveling Abroad? Take 2 Credit Cards — Here’s How to Choose Them originally appeared on NerdWallet. [...]
1
73

Favorite! Would you like to add notes/tags?

Ask Yourself These 5 Questions Before You Start a Ridesharing Gig

click photo for more information
Ask Yourself These 5 Questions Before You Start a Ridesharing Gig
You have a vehicle. You need to supplement your income. Driving for Uber or Lyft may seem like a no-brainer. Since Uber’s 2009 launch (and Lyft in 2012) rideshare driving has become almost synonymous with side hustles and the gig economy. Lyft self-reports 1.5 million drivers in the U.S. Uber doesn’t share its numbers, but many drivers work for both apps, which tout flexible work and quick money.  But is ridesharing all it’s cracked up to be? Before you sign up, take some time to answer these sobering questions. 1. How Much Will I Really Be Making? Uber and Lyft drivers are considered independent contractors, not employees. So earnings can get a little tricky. First of all, the companies don’t pay by the hour. They pay per fare. Even trickier, the pay is broken down into several parts: base pay (a guaranteed amount), plus bonuses, promotions and tips. Every part of that equation may fluctuate per ride — making hourly earnings nearly impossible to project. Still, on average, drivers can rake in decent dough. The Penny Hoarder analyzed self-reported wage data from Glassdoor and found that Uber drivers earned between $12 and $16 per hour, based on 461 wages. Lyft drivers took home $15 to $16 an hour, according to 394 drivers. But technically, as an independent contractor, you’re only getting paid if you’re en-route or already chauffeuring a passenger. The time you spend waiting for a fare or returning to a populated area after you’ve dropped off a passenger doesn’t count. All the while, you’re racking up mileage and burning gas, another expense that should be subtracted from your earnings. Jerry Brown, a library tech and former rideshare driver from Louisiana, started picking up on these “invisible expenses” when his bank account balance wasn’t what he expected. “I did a cost-benefit analysis,” he said. “The profit only ended up being $10 an hour when we broke down all the other expenses… I didn’t really think of that going in.” 2. Can My Vehicle Handle It? The first thing you need to determine is if you’re vehicle is eligible for ridesharing. In our Uber vs. Lyft guide, we break down the basic requirements. The biggest one being: Your car, truck or SUV needs to be a 2002 model or newer to drive for Uber and a 2006 model or newer to drive for Lyft.  Your vehicle must be able to fit at least four passengers for both services. It needs to be in good working condition, too. But just because it’s in good condition at first doesn’t mean it’s going to stay that way. Besides gas, Brown said his maintenance costs piled up quickly. “I put almost 30,000 miles on my car,” Brown said. Those miles cost more than just gas and oil changes. They depreciate your car’s value, too. “I eventually decided to pivot away from Uber as a side hustle because it was too much wear and tear on my car,” he said. 3. What Are the Risks? The most dangerous part of driving for a rideshare company … is the driving part. Driving is one of the most dangerous things we as Americans do on any given day. According to the National Highway Traffic Safety Administration, law enforcement recorded 6.5 million automobile accidents in 2018. Those accidents resulted in 36,560 deaths and 2.7 million injuries. In addition to the nature of the job, rideshare drivers and gig workers in general have a few other factors to keep in mind. While drivers have to go through background checks and submit government-issued IDs to the gig companies, passengers are often anonymous and untraceable. “The risks workers encountered are pretty extensive,” said Dr. Alexandrea Ravenelle, a gig economy researcher and professor of sociology at the University of North Carolina. “Workers don’t always know what they’re getting involved in” when they take a fare. In December, Uber released the extent of those risks in its first ever “US Safety Report.” The study analyzed fatal accidents, physical assaults and sexual assaults across 2.3 billion trips in 2017 and 2018. The company reported 5,981 incidents of sexual assault. An analysis of Uber’s data indicates that in almost 2,700 of those incidents, the driver was the victim. Twenty two drivers died in car accidents, and seven died from physical assaults. Lyft has not released similar statistics. 4. Are Dash Cams a Good Idea? If you are prepared to invite strangers into your car, a dash cam may be a good investment. Because of your independent contractor status, neither Uber nor Lyft will cover the cost of the camera, but it could be a lifeline should something go wrong during a trip. Dash cameras are relatively inexpensive and easy to set up. On Amazon, a standard HD camera costs between $30 and $100. Both Uber and Lyft offer complimentary insurance for drivers, but the policies are nuanced. Uber insurance coverage varies depending on if you are merely online, en route to a passenger, or have a passenger in your car. Lyft’s insurance policy works similarly. The biggest difference between the two is deductibles: $1,000 for Uber and $2,500 for Lyft. A dash cam provides legal backup in case an accident happens while you’re logged on. It may also strengthen your claim to receive reimbursement if a passenger damages your car. For example, if a passenger spills a box of greasy take-out all over your back seat, you’re going to have to stop taking fares and deep clean your upholstery. You can make an inconvenience claim to receive up to $250, but the hard part is proving who caused the damage. That’s where a camera comes in handy. Perhaps the biggest perk is the Hawthorne effect: When you have a camera clearly visible to passengers, they’re likely going to be on their best behavior. 5. What’s My Exit Plan? The gig economy offers easy entry compared to the traditional job market. It’s the leaving part where most people get stuck. It’s easy to start depending on the extra money from driving. But once that cash starts going toward rent or groceries, quitting puts your finances at risk. And that situation can easily snowball into never-ending work. To avoid that scenario, create a side hustle exit plan before you take on additional work. Compared to some side gigs, the startup costs to rideshare driving are relatively low. So your plan doesn’t have to be bound and laminated.  It can be something as simple as: I want to pay down my remaining $1,500 in credit card debt by driving for Uber on the weekends. Pro Tip Give yourself clear working hours. Having a cut-off point can go a long way. When Brown started driving for Uber, he had a clear financial goal in mind to pay off his car loan in six months. Even with that goal, he said the work sucked him in. “It was kind of addictive,” he said, telling himself “just one more ride, just one more ride.” Brown was indeed able to pay off his car, but his hustling wasn’t sustainable. He wanted to take better care of himself.  He realized, “I need to spend less time working so I can enjoy life.” Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
42

Favorite! Would you like to add notes/tags?

How to Repay Student Loans When You Don’t Know Where to Start

click photo for more information
How to Repay Student Loans When You Don’t Know Where to Start
If you graduated from college this year, congratulations!  Also, your first student loan payment is due. (Cue sad trombone.) If you borrowed federal student loans to cover your college expenses, you get a six-month grace period from Uncle Sam before he starts pestering you for payment. If it’s any comfort (I know, it isn’t), you’re not the only one who owes. Outstanding student loan debt clocked in at $1.48 trillion in the second quarter of 2019, according to the New York Federal Reserve. It’s easy enough to feel overwhelmed — you just graduated, started that first job (hopefully), moved out of your parents’ place and into your own (maybe).  But besides the obvious benefit — getting out of debt — making on-time student loan payments will reflect well on your credit score, which will follow you long after your dorm life memories have faded.  Ready to tackle that student loan debt? Good, let’s get started. A Guide to Student Loan Repayment  When you’re ready to start repaying your student loans, it’s best to create a plan to avoid wasting time, money and energy. Here’s what you need to do before you make that first payment. 1. Know How Much You Owe and Who You Owe If you’re like most grads, you took out multiple student loans over your multi-year college career — the average borrower has 3.7 student loans, according to a 2017 Experian report.  So it’s best to start organizing by figuring out who you owe, how much you owe and when it’s due. Oh, and interest rate is important, too. Need some help figuring it all out? Then check out this article that explains how to find out how much you owe in student loans. 2. Pay Off Your Interest Before the End of Your Grace Period If you have the cash, pay off at least the accrued interest on your federal student loans before your grace period runs out. It can save you a bundle of money by helping you avoid interest capitalization — when the interest gets lumped in with your principal amount and you start getting charged interest on the total amount. Wondering where to find extra money before the deadline? Consider taking up a side hustle to make some extra cash to throw toward the payment. 3. Come Up With a Plan… a Repayment Plan Didn’t land that six-figure job — or maybe any job? Rather than sticking your head in the sand and avoiding your student loan payments, you need to ask for help. That means getting yourself on an income-driven repayment plan. These plans cap your monthly payment typically somewhere between 10% and 20% of your discretionary income. Contact the loan servicer for your loan to find out which plans you can qualify for. 4. Think About Forgiveness It’s possible that you can get your student loans forgiven. But it’s not easy or fast… or likely (cue the second sad trombone). But if you work in specific fields — like teaching or nursing — you could be eligible for loan forgiveness after a set number of years. There are typically a lot of hoops to jump through — including making sure your loan repayment program and your employer qualify — so be sure you know the requirements of your forgiveness program. FROM THE DEBT FORUM Balance transfer credit card 11/27/19 @ 6:39 PM Credit card Debt 11/19/19 @ 3:56 PM Student loans 11/20/19 @ 2:17 PM Debt collections 11/23/19 @ 5:57 PM See more in Debt or ask a money question 5. Avoid Delinquency and Default Remember that part where I told you not to stick your head in the sand? This is why: If you miss your payment by even one day, your federal loan becomes delinquent. If you’ve missed payments on your Federal Family Education Loan (FFEL) or direct student loan for 270 days, your loan is considered to be in default. If you can’t afford your monthly payment due to unemployment or an approved economic hardship, you might qualify for deferment or forbearance. You can also qualify for deferment if you’re enrolled in an approved graduate fellowship program. During deferment, you won’t owe monthly payments on your federal loans and your subsidized loans won’t accrue interest (but all the rest will).  A high or good credit score allows you to qualify for better loans and credit cards with lower interest rates and more favorable terms. A poor credit score may not even qualify you for a loan. If you don’t qualify for deferment, the other option is forbearance, during which your lender allows you to stop making payments or reduces your monthly payments for up to one year. However, during forbearance, interest will continue accruing on all of your loans. Both options are only temporary fixes, and you’ll probably end up owing more money in the end. But at least you won’t wreck your credit score. 6. Consider Life After College (and Student Loans) It can be tough to see beyond that soul-crushing debt, but remembering that there is more to life than student loans is important for your financial future. First, while throwing every available dollar at your student loan might help you feel like you’re making progress in that arena, don’t sacrifice your present financial state by pillaging your emergency fund (you have one, right?). It’s there to cover those unexpected expenses — like a new set of tires or unexpected vet bill — without sending you into credit card debt.  Additionally, you shouldn’t sacrifice your future for today’s debts. Instead of paying every dollar toward student loans, start saving for your retirement now. With plenty of years to go, you’ll be able to build an impressive nest egg future you will thank you for.  Bonus: Socking away your money in a 401(k) or IRA reduces your taxable income. So if you do decide to apply for an income-driven repayment plan, the federal government won’t count the money you’re saving for retirement. Cue the big brass band. You deserve it. Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
83

Favorite! Would you like to add notes/tags?

Gamification via a Fintech ecosystem wins a UN Global Climate Action Award

click photo for more information
Gamification via a Fintech ecosystem wins a UN Global Climate Action Award
A 3yr old Corporate Social Responsibility – CSR – initiative that took a life of its own, has resulted in a 2019 UN Global Climate Action Award for Alipay AntForest App. A great example of gamification and network effects on an ecosystem like Alibaba. At launch, it was one of the many charity projects that […] The post Gamification via a Fintech ecosystem wins a UN Global Climate Action Award appeared first on Daily Fintech. [...]
1
111

Favorite! Would you like to add notes/tags?

Stay In Other People’s Awesome Homes for Free With House-Sitting Gigs

click photo for more information
Stay In Other People’s Awesome Homes for Free With House-Sitting Gigs
Imagine sipping your morning coffee on a beautiful balcony looking out over the ocean. Later, you water the plants and clean up a bit before taking a dip in the pool. Oh, and you’re getting paid for taking care of this house!  It sounds too good to be true. Can you really find house-sitting jobs that pay? Yes and no. Yes, caretaking gigs that pay a salary or stipend in addition to providing you a place to stay do exist. But no, there aren’t many that fit the description above.  Most house-sitting opportunities fall into one of two categories: standard house-sitting gigs, or more demanding caretaking jobs. If you’re curious about getting free accommodation in interesting places (and maybe earning a little cash as well), here’s how to get started. Basic House-Sitting Jobs Many websites list house-sitting gigs, and a quick glance at the listings tells you right away that not many people are offering to pay their house sitters much — if anything. Normally, you get a nice place to stay, rent free. This might not sound like much of a money-making opportunity, but it depends on how you look at it. If your current lease is ending and you’ll get free rent somewhere for three months before moving into your next $1,000-per-month apartment, you’re $3,000 better off, right? Here are some of the online platforms where you can find the opportunities, along with their subscription rates: House Sitters America ($30 per year) Mind My House ($20 per year) Housecarers.com ($50 per year or free limited membership) Luxury House Sitting ($25 per year) Nomador ($89 per year or limited free membership) Some people make a lifestyle of house-sitting. Canadian couple Dalene & Peter Heck sold everything in 2009 to travel the world, staying in other people’s homes. Among other stays, they cared for homes in Honduras, France, Greenland, Tanzania and Namibia. After eight years of traveling, the couple settled back in Canada.  Sometimes you can get paid for basic house sitting. As House Sitters America explains: “The bottom line is it’s all negotiable between you and the homeowners. In most cases it’s just a straight swap; the house sitter cares for the house and pets in exchange for free accommodation… However there may be times when a homeowner will offer some money for the house sitting job.” The site offers examples of times a homeowner might pay you, including: When the house is in an undesirable location. For short sits (such as a few days). When there are many pets to care for. “Of course, there are also many professional house and pet sitters who actually do this for a living, and they will charge a fee for their services,” the site adds. How do these professionals get paid? Usually they offer a bit more than simply staying in the house and making sure no one breaks in.  Caretaking Jobs In general, you’ll get a stipend or salary if you’re doing more than just watching a home. In these cases, you’re more of a caretaker than a house-sitter. One of the best sources for these types of jobs is The Caretaker Gazette, which has been around for more than 35 years. They have the usual listings of free places to stay, but they also host advertisements from people who are willing to pay you. In their archives (which you can see for free) I found the following three examples in one issue: 1. In a small town in Alaska, someone was hiring a caretaker to manage a small store and two apartments and do monthly home heating oil deliveries. Pay: A small apartment with all bills covered, TV, Wi-Fi, salary (unspecified) and bonuses. 2. Near Colorado Springs, Colorado, an ad requested a couple or single person to care for a ranch with five horses. Pay: Salary (unspecified) and a furnished apartment. 3. An ad from Nassau, in the Bahamas, wanted a “house couple” to keep house, plan events, run errands and much more. Pay: A place to stay and “$100,000 to $120,000 per year.”  Clearly these are jobs, not just house-sitting, but they suggest the variety offerings found in the Caretaker Gazette. Of the 100 or so postings in that one issue of their newsletter, there were opportunities all over the U.S. as well as in a dozen other countries, including Peru, Australia and Iceland. Are You Qualified to House-Sit?  A good house-sitter is responsible, reliable and adaptable. If you’re looking to get more than just free accommodation, it helps to also have some mechanical skills. For example, more than one caretaking gig I found in my research required someone with basic plumbing skills, like being able to fix a leaking sink drain. You’ll have competition, by the way, even for the basic house-sitting jobs. At the moment Mind My House shows 302 active house-sitting assignments, but more than 4,300 “sitter available” listings.  In other words, clients get to be choosy, so experience is a plus. To build some, you might start by house-sitting for family and friends. Be sure to get glowing testimonials from them to add to your resume. Steve Gillman is the author of “101 Weird Ways to Make Money” and creator of EveryWayToMakeMoney.com. He’s been a repo-man, walking stick carver, search engine evaluator, house flipper, tram driver, process server, mock juror, and roulette croupier, but of more than 100 ways he has made money, writing is his favorite (so far). This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
2
123

Favorite! Would you like to add notes/tags?

Boat Loan Calculator: Estimate Your Payments

click photo for more information
Boat Loan Calculator: Estimate Your Payments
If you need a boat loan to cover the purchase of a new or used boat, a loan calculator can help you determine what size or type of vessel you can afford. Use this boat loan calculator to estimate the cost of a personal loan used to finance a boat. Enter your expected loan amount,... Steve Nicastro is a writer at NerdWallet. Email: steven.n@nerdwallet.com. Twitter: @StevenNicastro. The article Boat Loan Calculator: Estimate Your Payments originally appeared on NerdWallet. [...]
1
139

Favorite! Would you like to add notes/tags?

Tokenized Venture Capital

click photo for more information
Tokenized Venture Capital
Tokenization has the power to impact the entire VC industry, from the way venture capital is raised, to the way it is invested in startups and projects. In an interview by David Sacks, the former PayPal COO, said: “I think Limited Partner interests are likely to be tokenized, along with most other illiquid assets. Eventually, […] The post Tokenized Venture Capital appeared first on Daily Fintech. [...]
1
146

Favorite! Would you like to add notes/tags?

Singapore opens doors for digital banking boom in South East Asia

click photo for more information
Singapore opens doors for digital banking boom in South East Asia
Earlier this year, Hongkong offered digital banking licenses to Alibaba, Tencent and Xiaomi. Therefore, it is not surprising to hear that the Monetary Authority of Singapore (MAS) are opening up their doors to digital banks too. Applications are open for firms wanting to set up a digital bank in Singapore. The deadline for applications is […] The post Singapore opens doors for digital banking boom in South East Asia appeared first on Daily Fintech. [...]
1
134

Favorite! Would you like to add notes/tags?

Is Your Car Loan Upside-Down? How to Steer Back to Safety

click photo for more information
Is Your Car Loan Upside-Down? How to Steer Back to Safety
Without even knowing it, you may have put yourself in a financially precarious position: being upside-down on your car loan. Maybe you bought a new car without making a down payment. Or perhaps you opted for low, “easy” monthly payments by stretching your loan to 72 or even 84 months. However you got there, it’s... Philip Reed is a writer at NerdWallet. Email: preed@nerdwallet.com. Twitter: @AutoReed. The article Is Your Car Loan Upside-Down? How to Steer Back to Safety originally appeared on NerdWallet. [...]
1
201

Favorite! Would you like to add notes/tags?

This Week’s $70 Grocery Budget + Our Menu Plan

click photo for more information
This Week’s $70 Grocery Budget + Our Menu Plan
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. Did you see that the Eat at Home Menu Plan service is on sale for just $1.13/week for the next few days? I love this menu plan service and think it is so fantastic if you need quick and easy menu plans that are family friendly and affordable. You get access to 4 different menu plans (No Sugar/No Flour, Instant Pot/Slow Cooker, Traditional, and Traditional Wholesome) AND you get a color-coded grocery list for each menu plan every single week! If you want to get some ideas of how this menu plan works and what the recipes are like, I’ve been making the recipes this week on live video. Here are three of them that I made: Slow Cooker Teriyaki BBQ Chicken Instant Pot Chicken Sandwiches Slow Cooker King Ranch Chicken Kroger Shopping Trip #1 Ground Beef — marked down to $4.29 2 bags of apples  — marked down to $0.99 1 bag of onions — marked down to $0.99 Santa Cruz lemonade — $0.99 when you buy 5 participating items 2 Nourish bowls — marked down to $1 each 1 carton of Siggi’s — marked down to $0.99 Milk — $2.69 3 boxes of Cheerios — $1.49 each when you buy 5 participating items, used $1.50/3 coupon = $0.99 each Corn Chips — $0.99 when you buy 5 participating items, used $0.45/1 coupon that Kroger emailed me = $0.54 Diced tomatoes — $0.50 Teriyaki sauce — $2.29 Total with tax: $19.57 My Toilet Paper Order I ordered the toilet paper deal and it came in this week. I paid just $19.49 for the equivalent of 128 regular rolls! We should be stocked up for awhile! By the way, this deal is still available! Check out all of the details here. I was excited about the Friday-Saturday deals at Kroger — including a stock-up price on butter ($1.99 per pound!) I bought 5 and stuck them in the freezer! Kroger Shopping Trip #2: 4 dozen Simple Truth Organic eggs — $1.99 each with Friday-Saturday coupon 5 pounds butter — $1.99 each with Friday-Saturday coupon Detergent — $1.49 Whole Wheat bread — marked down to $1.29 1 bag of grapefruit — marked down to $0.99 Tomato puree — $0.89 Tomato sauce — $0.99 1 bag of clementines — marked down to $0.99 Tub of Baby Spring Mix — marked down to $1.79 Total with tax $28.04 What We Ate This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal, Homemade Granola, Toast, Whole Wheat Banana Bread, Eggs,  Yogurt Lunches: Ham Sandwiches, Granola Bars, Yogurt, Capri Sun, Salad, Leftovers, Fruit Snacks: Cookies, Popcorn, Ice Cream, Go-Gurts, Fruit, Cheese, Whole Wheat Banana Bread Dinners: Sunday — Fend For Yourself Monday —Tortilla Chicken Soup with crackers & cheese,  fruit Tuesday — Slow Cooker Teriyaki BBQ Chicken over noodles, fruit Wednesday — Instant Pot Chicken Sandwiches Thursday — Slow Cooker King Ranch Chicken over noodles, green beans, fruit Friday — Spaghetti, fruit Saturday — Leftovers Total spent on groceries: $67.04 Cashback earned this week: 50 points for submitting my receipts to Fetch rewards [...]
1
197

Favorite! Would you like to add notes/tags?

My Completely Honest Review of The Ultimate Productivity Bundle

click photo for more information
My Completely Honest Review of The Ultimate Productivity Bundle
This post may contain affiliate links. Read my disclosure policy here. Wondering if The Ultimate Productivity Bundle is worth buying? Read my honest review below, and you can decide for yourself! If you are on other blogger’s email lists, there’s a good chance you’ve gotten some emails or seen some blog posts or social media posts yesterday and today about The Ultimate Productivity Bundle. I know a number of you have already purchased this bundle, but if you haven’t purchased The Ultimate Productivity Bundle yet this year, here are two things you need to know: 1) It is back again through midnight tonight for a Flash Sale! This is your last chance to grab it at this huge discount! 2) I went through every single resource in the bundle and went through it so I could give you my completely honest review. Yes, you read that right. I literally signed up for every.single.course and downloaded every ebook and printable. My poor computer put in a lot of work! While I didn’t read every word or listen to every single minute of video (that would have taken me a LONG time!), I went through and at least skimmed every single resource and decided to share my really honest thoughts… Here were my honest thoughts: The Negatives: Some of the products had an inflated price tag. This is a pet peeve of mine. Don’t put $29 on a product just to make it sound more impressive. While The Ultimately Productivity Bundle is supposedly valued at $1500, I’m going to be honest and say that I felt at least 25% of the products had an inflated price tag. And I likely wouldn’t use at least 60% of them, so for me, the value would be really and truly more like a few hundred dollars, not $1500. There weren’t as many products in it as I was expecting. I was surprised that there weren’t more like 60-70 products in it (there are only 46 products in it). I think I’m used to them having that many when it’s the Homemaking Bundle, so I thought the options weren’t as plentiful as I was hoping for. I wish there had been more ebooks. While courses are great, I often prefer ebooks because they are easier for me to read and digest — especially since I’m a fast reader and sometimes skim (Shh! Don’t tell anyone!). There are only 5 ebooks in this bundle and the rest of the products are printables or courses. Some of the printables were poorly designed. I know that we don’t always have the highest quality design on things we offer because of various reasons and I know sometimes you just do the best you can do, but I found that at least 30% of the printables were ones I would never consider using because they just looked like they were designed by someone who didn’t have a lot of design experience or it just was not my style at all. A few products felt very clunky to download. I noticed there were a number of .zip files as well as some courses that seemed to require multiple hoops to jump through to get them to download. It felt like it sort of flew in the face of productivity to have to go to quite a bit of effort to download a product in order to be able to use it. The Positives: There were a number of really helpful and well-designed printables. I was impressed with how many different styles of printables this bundle offered. If you love printables, you will just adore this bundle! So many great options to choose from! I loved that many of the resources were created by people who aren’t naturally organized. It seems like many times, productivity classes and courses and ebooks are created by naturally organized people. This was not the case with many of the products in this bundle — many of the creators said they were more of a Type B, laid back personality —  and that’s why I feel like it has much wider appeal. The bundle offered a variety of printable planners. If you are looking for a planner for yourself and you’re okay with printing it yourself, you’ve got a wealth of choices in this bundle! There were some really high quality products. There were some really high quality products in the bundle that I felt would make it worth the price tag ($37) if you would use these and they would help your life be more organized. Like I said, I went through each and every product to pick out the ones I felt were the highest quality and value and something I would personally use or that I thought would be really helpful to other people. Here were my top 4 favorites: Family Chore Planner: The Complete Home Management System for Families ($17 value) This PDF download not only offers some great tips for getting your kids to help around the house and suggested chore ideas for different ages, but you get customizable rotating chore chart systems for your family! Child, It’s Time to Get Off Your Butt ($7 value) This may have been one of my favorite resources in the bundle. It’s an inspirational ebook with very practical tips on how to get your kids to go from being couch potatoes to being assets in your home — without having some rigid system that was designed for Type A moms. There are lots of helpful charts and hands-on examples in the book, like this: If you’re frustrated that your kids aren’t more disciplined and diligent but you just don’t know where to start, you’ll find a lot of fantastic help in this short but highly actionable ebook. Brilliant Baby Steps: Productivity Course ($47 value) This course was one of the most beautiful and value-packed courses in the bundle and I couldn’t believe all you got for the price. It definitely was not one of the products that I felt had an inflated price tag. One of the best parts of it is where Beth Anne shows you just how much you can get done in 10 minutes. She’s not a Type A personality, so her advice will work for pretty much every personality type. How to Organize Your Life With Trello ($47 value) Okay, so full disclosure here: I am not a Trello person and I don’t think I ever will be. BUT, I do believe that it can be an amazing organizational system for many people and I wanted to highlight this course because it was so well done and helpful for those who are looking for a better way to organize their life and thoughts and projects. If you haven’t purchased The Ultimate Productivity Bundle yet, and you are still interested in purchasing after reading my honest review, you can click here to purchase it for just $37 through August 15, 2019! You’ll get access to these 4 products + 42 other resources including a number of printable planners and other time management and organizational and goal-setting resources! Go here to read more. Click here to purchase The Ultimate Productivity Bundle. Remember, this special flash sale price is only good through midnight tonight (August 15, 2019)! P.S. Have you purchased The Ultimate Productivity Bundle? If so, I’d love to hear your honest thoughts on it! [...]
1
149

Favorite! Would you like to add notes/tags?