Whether you’re taking a Caribbean cruise, sightseeing in European cities or trekking through South America, staying connected on your mobile phone can be a game changer.
Some travelers value the ability to use their mobile phone overseas because it allows them to stay in touch with family 24/7.
Others find it crucial to have access to a GPS when lost in a medieval town’s bewildering alleyways.
Then, there’s the ease of checking in for a flight via an airline app, scheduling an early-morning ride to the airport on an app or simply asking your phone’s virtual assistant, “What’s a great restaurant or museum nearby?” The amount of information we need at our fingertips when traveling abroad is hard to overstate.
Roaming overseas used to be an expensive proposition. However, in recent years, major U.S. wireless carriers have made it easier than ever for customers to keep data streaming on personal devices without incurring exorbitant pay-per-use fees.
Among them, AT&T offers some of the best options for travelers on both land and sea with AT&T International Day Pass and AT&T Cruise packages.
Here are the details on each and how they can help you stay connected on your summer travels.
AT&T International Day Pass
For many travelers, the most seamless option for using your mobile phone while abroad is to connect your device to a local cellular network and use that connection to make calls, send texts, surf the internet and use apps, just as you would at home. AT&T International Day Pass lets you do just that.
Adding AT&T International Day Pass to your eligible wireless plan is simple. You can sign up before your leave, or it’ll get added for you as soon as you arrive at your destination. It’s also cost-effective and reliable, with no complicated setup or SIM swaps necessary.
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While the feature is on your account, you can talk, send a text, or use data in any of the included countries; you will be charged $10 per day on the first line used and $5 for each additional line on the same account used the same calendar day.
The other aspect that makes this feature appealing versus the competition? It caps the number of days charged to your account at 10 per line, per monthly billing cycle. This means you’ll only pay for, at most, 10 days per line per bill, regardless of how long your trip is. It doesn’t matter which borders you cross — as long as you’re in one of the carrier’s 210-plus destinations.
The plan includes spots like England, Spain, Aruba, Cambodia and Botswana. While most popular destinations are included, a few far-flung locations, such as the Maldives and Antarctica, are not covered.
This gets even better for customers on eligible unlimited plans, which offer coverage (at no additional cost) when traveling to select destinations in North and South America. Be sure to check your plan details to see whether international coverage in these countries is included and to learn more.
When you get home, you don’t need to worry about removing it — you won’t be charged anything until you connect to the local network on your next international trip.
AT&T Cruise Plus and AT&T Cruise Basic packages
As veteran cruisers know, using your mobile phone on a cruise is not as easy as it is at home without racking up expensive roaming charges. Once you’ve sailed away from the nearest land-based cell tower, your phone will usually go into roaming mode and accrue those hyper-expensive satellite roaming charges.
It is possible to switch your phone into “airplane mode” and stay connected at sea via your ship’s Wi-Fi. The big-name cruise lines are making strides to improve their onboard Wi-Fi offerings, but connectivity can still be finicky and slow depending on the ship and where it sails.
Adding international, cruise-specific coverage enables connectivity at sea and can help travelers avoid unnecessary charges, including sometimes-expensive shipboard Wi-Fi plans. AT&T Cruise packages work in tandem with AT&T International Day Pass to offer a streamlined way for travelers to stay connected, even if they are toggling between journeys on land and sea.
Customers traveling internationally on cruise ships can choose between two packages: AT&T Cruise Plus ($100) and AT&T Cruise Basic ($60). For each package, the charge allows up to 30 days of usage. Choosing a package depends on your personal travel habits — how many phone calls you expect to make and how much data you generally burn through while traveling abroad (requires a compatible device with domestic wireless service).
The Basic package, for smartphones only, includes 100 minutes of talk (with an overage of $1 per minute), unlimited texts and 100MB of data (with an overage of $10 per 100MB beyond that). The more extensive Plus package, for smartphones and tablets, allows unlimited talk and text as well as 1GB of data (with an overage charge of $10 per 100MB beyond that).
Before signing up for a cruise package, always make sure that your ship is one of the more than 175 cruise ships that the package covers. The big names like Celebrity Cruises, Holland America Line, Norwegian Cruise Line, Royal Caribbean and Disney Cruise Line are all on the list.
It’s also important to note that cruise packages only work at sea, kicking in 9 to 11 nautical miles from shore. If part of your trip involves land travel either before or after your cruise, you’ll need to add the AT&T International Day Pass for those days.
Things to keep in mind when choosing an international phone plan
Below are a few more tips for choosing an international phone plan and making the most of it while you travel abroad this summer and beyond.
Sign up in advance
On land, relying on Wi-Fi is possible if you don’t intend to leave your hotel much. However, at some point, the likelihood is that you will incur costly pay-per-use roaming fees if you haven’t signed up for a plan with your carrier in advance. Be sure to check out your options before crossing any borders.
Turn off updates
Since so much data roaming goes on in the background — many apps continue to gobble data even when you’re not actively using them — you’ll often incur fees that far exceed what a day plan would cost, even just using your phone sparingly for emergencies. Turn off any unnecessary updates ahead of travel.
Consider prepaid packages
Cruisers are not beholden to typical international roaming charges (which are excessive enough). Rather, they can get hit with extremely expensive satellite roaming charges. Surfing the internet, using social media, reading emails or even just checking the weather will all use data charged at a premium rate — this can make a prepaid package very appealing.
Don’t expect flawless connection on cruises
Bandwidth and connection speed are problematic at sea. Depending on where your ship is and whether anything (like a mountain range) is blocking the connection to the satellite, you may still experience lag time on calls or slow connection speeds.
Bottom line
Whether it’s a Galapagos cruise or a road trip through Europe, if you plan to travel this summer with your mobile phone — and don’t want to pay excessive roaming charges — an international cellphone plan can save you time and stress.
With AT&T’s international features, you can use your phone just like you do at home without worrying about connecting to public Wi-Fi or obsessing about whether your phone is switched to airplane mode.
If you have the AT&T app, each package is super easy to add and remove from your existing cellphone plan and provides peace of mind and reliability. The 10-day bill cap for the AT&T International Day Pass means no matter how long you travel, it’s extremely cost-effective compared to pay-per-use rates.
Moving can fire up a rollercoaster of emotions. The early rush of excitement may give way to stress over the looming to-do list of all that needs to happen before the big move.
Like any life transition, moving requires a lot of preparation. Thankfully, there’s no shortage of ways to help streamline the process.
Below are some tips that could make moving more efficient, including a guide to common costs to prepare for.
How to Streamline a Move
Here are a few helpful suggestions whether you’re easing into a new townhouse, apartment, condo, or home.
Get Rid of Unwanted Items
Moving is a chance to let go of items that have gone unused for months or years.
In addition to being able to get rid of unwanted “stuff,” decluttering can help you cut back on moving expenses. With fewer things to move from point A to point B, there’s less need for packing materials or an extra large moving truck. It may even help make the move speedier and more cost-effective, since there’s less stuff to carry (or pay someone else to carry). What’s more, reducing how much you have can also help ensure your new place won’t feel overstuffed.
Prepare Early
As you declutter, it can be useful to identify boxes and packing materials needed during the move, such as packing tape, markers, labels, scissors, newspaper, and bubble wrap. Why spend money on new cardboard boxes when there are likely unused boxes already lying around your home or at friends’ places? A visit to local recycling drop-off points may be in order, as it’s possible they’ll have free cardboard boxes available there, too.
Consider starting off your packing a few weeks ahead of time, with non-essential items like out-of-season clothes or kitchenware that’s rarely used. And consider taking photos of all valuable items as you go. This way, if anything breaks or movers damage something during the move, it will be easier to file a claim and receive reimbursement for it.
Tie Up Loose Ends
Moving to a new area? Consider making a list of everyone you’ll want to contact once you’re settled in your new place.This may include:
• Friends and family members
• U.S. Post Office
• Employers
• Credit card companies and other financial institutions
• Service providers (e.g., water bill or internet)
If you’re hoping to keep utilities or services with a specific provider, it may help to call ahead of time to verify if those services are offered in the area you’re moving to and if the service can be transferred to your new address on or after move-in day.
Keep in mind if you’re starting a new service with a new company, you may need to notify them weeks in advance so they have enough time to schedule a technician’s visit or mail out the necessary equipment.
If you’re leaving the region, you’ll also want to make a note to cancel recurring memberships at local-only businesses, such as gyms and fitness centers.
Organize Moving Documents
From leases to service contracts to quotes from moving companies, there’s a lot of paperwork to manage with a move. It can help to keep all important documents organized in a single folder (and be sure to print out a copy of any documents sent to you electronically). Some paperwork to include in the moving folder could be:
• Old leasing agreements
• A new signed lease (if renting again)
• Invoices from professional movers
• Receipts associated with the move
The paperwork may even come in handy after you move. Members of the U.S. Armed Services may be able to deduct moving expenses, for example. And some companies will reimburse employees who are moving to accept a new job for common moving expenses. Talk to your human resources department to find out if you qualify and which receipts or invoices will be required for documentation.
Prepare a Tip for the Movers
For those who plan to hire professional movers, setting aside cash in an envelope could help when it comes time to tip. Often, people tip their movers if they’re happy with the job they completed. Taking out cash the day before a move can simplify tipping, as it’s one less thing to think about during moving day.
Recommended: The Ultimate Moving Checklist
Common Moving Expenses
When budgeting for a move, it can be useful to plan for expenses that can add up quickly.
Understanding Professional Moving Costs
If you’re moving yourself, plan on paying an average of $50 per day to rent the truck, and budget more for mileage, gas, tolls, and other expenses.
If you’re hiring professionals for the job, you can expect to pay quite a bit more. An in-town move that uses a team of two movers could cost an average of $80 to $100 per hour, according to Consumer Affairs. Moving to another state? Be prepared to spend upwards of $5,000 or more, depending on how far you’re going and the amount of stuff you’re hauling.
You may also want to consider whether to budget for packing services, which typically runs anywhere from $300 to $500, and moving insurance, which protects you in case your items are lost or damaged during the move.
If you’re looking to save a little money — and your schedule is flexible — you may want to look into moving during the middle of the week or middle of the month, when demand tends to be lower.
Estimating Transportation Costs
In addition to budgeting for the cost of moving your things, it’s good to calculate the expense of transporting yourself to your new home. Be sure to factor in expenses such as flights, lodging, food, rental car, and gas.
Other Supplies and Expenses
You might already be loading up on bubble wrap, packing tape, boxes, and labels. But there may be other moving-day essentials to consider.
1. Cleaning supplies: Many landlords expect outgoing tenants to leave a property just as they found it: clean and empty. Be sure you have a mop, broom, cleaners, and sponges on hand.
2. Repairs and renovations: Whether you’re patching holes in your old place or making upgrades in your new home, consider budgeting for any renovations or repairs.
3. Furniture and other home items: You may find that when you move into your new space, you need to buy some new furniture. You may want to set aside a little extra for these purchases.
4. New license and vehicle registration: If you’re moving across the country, you may need to calculate the cost of getting a new driver’s license and registration in a different state. Fees for getting a new license and vehicle registration vary by state.
Recommended: Things to Budget for After Buying a Home
The Takeaway
Whether you’re relocating across town or across the country, moving can be exciting. But it can also be stressful and expensive. To help streamline the process, you can remove and donate any unwanted items, assemble your supplies and the movers’ tip ahead of time, organize all the moving documents in one place, and alert family, friends, employers, and creditors of your new address.
It also helps to prepare your budget. A DIY move is often the most affordable option — on average, it costs around $50 per day to rent a truck, which does not include mileage, gas, tolls, and other expenses. A professional mover costs substantially more. An in-town move that uses a two-person team may cost around $80 to $100 per hour, but that price could climb into the thousands for an interstate move.
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In response to a wave of scam calls plaguing WhatsApp users, the popular messaging company has issued a statement outlining its efforts to combat the fraudulent activities. The scams involve individuals receiving calls from fake international numbers, causing concern and confusion among users.
WhatsApp has implemented spam detection technology to identify and take action against accounts engaging in suspicious behavior related to spamming activities. In a statement provided to CNBC TV 18, WhatsApp emphasized its commitment to user safety and revealed the presence of a grievance officer based in India. This officer serves as a contact point for users who have concerns about their experiences on the platform and are unable to report them through other channels.
The reports received by the grievance officer provide valuable insights into user complaints, enabling WhatsApp to take appropriate action against offenders. Additionally, WhatsApp has taken proactive measures to prevent abuse on its platform.
Recognizing the urgency to protect its user base, WhatsApp has launched a marketing campaign titled “Stay Safe with WhatsApp.” The campaign aims to educate users about the platform’s built-in safety features and tools, including Two-Step Verification, Block and Report, and Privacy controls. By leveraging these safeguards, users can fortify their defenses against online scams, fraud, and threats compromising their accounts.
Reports of unsolicited WhatsApp calls and messages from purported international numbers have inundated social media platforms, particularly Twitter. These calls often originate from phone numbers starting with country codes such as +251 (Ethiopia), +60 (Malaysia), +62 (Indonesia), +254 (Kenya), and +84 (Vietnam).
Despite the country codes indicating specific origins, it is essential to note that WhatsApp calls are internet-based, allowing scammers to operate from any part of the world. Certain agencies even facilitate the sale of international numbers for WhatsApp calls across various cities.
WhatsApp’s proactive stance, coupled with user awareness and the utilization of the platform’s security tools, can significantly reduce the risks associated with these scams. By remaining vigilant and informed, users can protect themselves and their personal information from falling victim to such fraudulent schemes.
Introduction to WhatsApp scams
In today’s digital age, scammers are constantly adapting to new technologies and platforms to carry out their deceptive practices. WhatsApp, being one of the most widely used messaging apps globally with over 2000 million users (as of 2021), has become an attractive target for scammers. These scams range from phishing attempts to lottery frauds and everything in between. It is crucial to stay informed and vigilant to safeguard your personal information and financial well-being.
Common types of WhatsApp scams
Phishing scams
Phishing scams are one of the most prevalent types of online fraud, and WhatsApp is not exempt from their reach. In these scams, scammers impersonate legitimate organizations or contacts and try to trick users into revealing sensitive information like passwords, credit card details, or social security numbers. They often send messages containing malicious links or attachments, which, when clicked, can lead to the installation of malware or the redirection to fake websites.
WhatsApp verification code scams
WhatsApp verification code scams are designed to exploit the app’s verification process. Scammers pose as friends or contacts and request the verification code sent to the victim’s phone number, claiming they mistakenly entered the wrong number. @media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-banner-1-0-asloadedmax-width:580px!important;max-height:400px!important
By providing the verification code, unsuspecting users unwittingly grant scammers access to their WhatsApp account, potentially compromising their personal data and even using their account to carry out further scams.
WhatsApp lottery and gift scams
These scams play on people’s desire for easy money or extravagant gifts. Scammers send messages claiming that the recipient has won a lottery or is eligible for a lucrative prize. To claim the winnings, victims are asked to provide personal information or make a payment for processing fees or taxes.
Once the scammers receive the requested information or money, the promised prize never materializes, and the victims are left empty-handed.@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-large-leaderboard-2-0-asloadedmax-width:300px!important;max-height:250px!important
WhatsApp subscription scams
In WhatsApp subscription scams, fraudsters target users by posing as official WhatsApp representatives. They send messages warning users that their subscription is about to expire and prompt them to renew it by clicking on a provided link.
However, the link leads to a fake payment page where scammers attempt to collect users’ payment details. Unsuspecting individuals who fall for this ruse end up compromising their financial information.
How scammers operate on WhatsApp
Scammers employ various tactics to carry out their malicious activities on WhatsApp. They create fake profiles, often using stolen or impersonated identities, to establish trust and credibility. These profiles may appear authentic, complete with profile pictures and personal information, making it harder to distinguish them from genuine contacts.
By exploiting the trust between friends and acquaintances, scammers can effectively deceive unsuspecting victims.
Warning signs of WhatsApp scams
It is important to be able to recognize the warning signs of WhatsApp scams to protect yourself. Here are some red flags to watch out for:
Unsolicited messages: Be cautious of receiving messages from unknown contacts or individuals you haven’t interacted with before. Scammers often target random users to initiate their fraudulent schemes.
Grammatical errors and typos: Pay attention to the language and grammar used in the messages you receive. Scammers may not have a strong command of the language and their messages might contain obvious errors or inconsistencies.
Urgency and pressure: Scammers often create a sense of urgency to manipulate their victims into making hasty decisions. They may claim that immediate action is required to prevent a negative consequence or to secure a supposed prize.
Requests for personal information: Legitimate organizations and service providers rarely ask for sensitive personal information through WhatsApp messages. If you receive messages asking for passwords, bank account details, or social security numbers, be skeptical and avoid sharing such information.
Unusual requests for money: Be wary of messages requesting money transfers or payments for unexpected fees, taxes, or processing charges. Verify the legitimacy of such requests independently before taking any action.
Unverified sources: Verify the authenticity of any links, attachments, or requests you receive via WhatsApp. Scammers often use enticing offers or malicious links to trick users into divulging personal information or installing malware.
Unfamiliar URLs or domains: If you are directed to a website through a WhatsApp message, double-check the URL and ensure it matches the official website of the organization or service it claims to be associated with. Scammers often create fake websites that closely resemble legitimate ones to deceive users.
Unusual or unexpected messages from known contacts: If you receive messages from friends or acquaintances that seem out of character or suspicious, reach out to them through a different communication channel to confirm their authenticity. Their WhatsApp account might have been compromised by scammers.
Steps to protect yourself from WhatsApp scams
Now that you are aware of the common types of scams and the warning signs to look out for, let’s explore some essential steps to safeguard yourself against WhatsApp scams:
Verify messages and links: Before clicking on any link or sharing sensitive information, independently verify the authenticity of the message or link by contacting the person or organization through a trusted source.
Enable two-step verification: Protect your WhatsApp account by enabling two-step verification. This adds an extra layer of security by requiring a PIN code whenever you register your phone number with WhatsApp.
Be cautious of suspicious requests: Exercise caution when asked to provide personal information or make payments. Verify the legitimacy of such requests independently and only proceed if you are confident in their authenticity.
Block and report suspicious contacts: If you encounter suspicious activity or receive scam messages, block the contact immediately and report them to WhatsApp. This helps prevent further communication and protects others from falling victim to the same scam.
Educate yourself and others: Stay informed about the latest scams and educate yourself about best practices for online security. Share this knowledge with friends, family, and colleagues to create a network of vigilant users.
Reporting WhatsApp scams
If you encounter a scam or suspect fraudulent activity on WhatsApp, it is important to report it to the appropriate authorities. WhatsApp provides a simple and effective way to report scams directly from within the app. By reporting scams, you contribute to the collective effort of combating online fraud and protecting others from falling victim to similar schemes.
The Bottom Line – WhatsApp Scams
In conclusion, the rise of WhatsApp scams serves as a stark reminder of the ever-present threats lurking in the digital realm. As scammers adapt their tactics to exploit unsuspecting users, it becomes crucial for individuals to arm themselves with knowledge and take proactive measures to safeguard their personal information and financial well-being.
While specific statistics on WhatsApp scams may be elusive, the broader landscape of online scams paints a concerning picture. According to various reports, the global cost of cybercrime is estimated to reach trillions of dollars by the year 2025. Scams, including those targeting messaging platforms like WhatsApp, contribute significantly to this alarming figure. From phishing attempts and lottery frauds to subscription scams, the tactics employed by scammers continue to evolve, making it imperative for users to stay informed and vigilant.
@media(min-width:0px)#div-gpt-ad-goodfinancialcents_com-leader-1-0-asloadedmax-width:728px!important;max-height:90px!importantTo combat this growing menace, WhatsApp has taken steps to enhance security measures, such as implementing spam detection technology and promoting user education through campaigns like “Stay Safe with WhatsApp.” By leveraging the platform’s built-in safety features and exercising caution when interacting with unknown contacts or suspicious messages, users can mitigate the risks posed by scammers.
Remember, your safety on WhatsApp and other digital platforms depends on a combination of user awareness, utilizing security tools, and reporting any suspicious activities. By staying informed, adopting best practices, and being proactive, you can navigate the digital landscape with confidence, protect yourself from scams, and contribute to a safer online community.
In this age of connectivity, where communication transcends borders, it is crucial to remain vigilant and empower ourselves against the ever-evolving threats of online scams. By working together and taking a stand against scammers, we can create a safer and more secure digital environment for all.
Now that Dry-January is long behind you, it’s high time to start thinking about sprucing up your bar for spring! Now’s the perfect time to replenish your favorite spirits, start thinking about flavor profiles you might want to try and of course add fresh touches to your bar! A good lookin’ bar is pretty much an essential these days. That’s why it’s so important to display only the best accessories!
Whether it’s on a tray in your dining room or on a classic bar cart, the ultimate set-up can be as beautiful as it is functional – you just need the perfect tools. We’re currently coveting a chic bottle opener! It’s the perfect little detail that’ll take your bar space from everyday to extra special. We’ve rounded up the internet’s ten best and most beautiful bottle openers! Betcha can’t pick just one!
> Brass Hexagon Bottle Opener by Ferm Living > Small Cast Iron Japanese Bottle Opener by Nobuho Miya > Crest Brass Bottle Opener by Fort Standard > Frame Japanese Brass Bottle Opener by Futagami > Wood + Brass Bottle Opener by Chris Earl > Crown 1 Brass Bottle Opener by Fort Standard > Large Cast Iron Japanese Bottle Opener by Nobuho Miya > Brass + Leather Bottle Opener by Alexander Wang > Brass Japanese Bottle Opener > Brass Arc Bottle Opener by Tom Dixon
Which one are you wishing to add to your bar collection? You really can’t go wrong- any one of these bottle openers is a stunner!
Looking for additional bar accessories? These are some more of our current faves! [show_shopthepost_widget id=”559751″] image 1 via The Classy Issue // image 2 via Honestly WTF
Open a BMO Harris Premier™ Account online and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Expires 9/15. Conditions Apply.
If you’re a seasoned trader who spends hours watching the markets every weekday and relies on your portfolio to supplement or even provide the bulk of your income, low-cost robo-advisors and most mass-market DIY brokerages don’t cut it for you. You need a powerful trading platform that lets you execute at a level commensurate with your skill.
Tastytrade is just such a trading platform. It’s designed for experienced, confident traders who actively play the markets and, in many cases, trade in riskier asset types like options, futures, and cryptocurrencies.
Tastytrade has a lot of benefits for market participants who know what they’re doing. It also has some important gaps and drawbacks, so don’t automatically assume it’s ideal for you. Learn more about how it works and what to expect from it first.
What Is Tastytrade?
Tastytrade is an online trading platform for experienced, active traders. It has a broad lineup of available asset types, including stocks, exchange-traded funds, options, futures, and cryptocurrencies. Stock and ETF trades are free, with variable commissions and fees for other asset types.
Tastytrade’s core features enable quick construction and execution of simple or complex trades. Unlike more beginner-friendly brokerages, Tastytrade is designed for traders deeply familiar with the markets and confident in their trading strategies. Though it does have social features that allow regular users to follow experts as they play the markets, it lacks extensive educational resources.
What Sets Tastytrade Apart?
Tastytrade stands out from many other online brokerages in ways both positive and negative:
Excellent account opening bonus. Tastytrade offers an account opening bonus worth up to $3,000 for new users. You can get the maximum bonus amount with a new money deposit of just $250,000, lower than comparable thresholds for similar bonus amounts elsewhere.
Sophisticated features for active traders. Tastytrade is designed for active traders in scenarios where seconds (or even milliseconds) count. Its ordering interface prioritizes speed and accuracy.
Access to advanced asset types like futures and futures options. Tastytrade allows stock and ETF trading, but so do most online brokerages. Its futures, futures options, and cryptocurrency offerings are less common in this market, and quite welcome for serious traders looking to diversify.
Limited trader education resources. The other side of Tastytrade’s appeal to experienced traders is its relative lack of trader education resources. It’s not the best place to learn investing basics.
Key Features of Tastytrade
Before opening a Tastytrade account, understand how its platforms work and what to expect from its trading features. Familiarize yourself with its pricing and account opening bonus opportunity too.
Account Opening Bonus
For a limited time, Tastytrade has an exciting account opening promotion* for new customers. To earn it, complete the following qualifying activities:
Open and fund your account by the stated offer end date, currently September 30, 2023
Make a qualifying new money deposit of at least $5,000 — but you must deposit at least $250,000 to earn the full $3,000 bonus
Meet other bonus requirements as spelled out in Tastytrade’s offer terms
Bonus tiers are as follows:
Deposit
Cash Bonus
$5,000 to $24,999
$100
$25,000 to $99,999
$500
$100,000 to $249,999
$2,000
$250,000 or more
$3,000
Your deposit can be cash, securities, or some combination of the two, but all of it must be new to Tastytrade. Funds transferred from another Tastytrade account don’t count toward the bonus amount.
Account Types
Tastytrade offers two taxable account types: individual and joint. You hold an individual account in your name only and a joint account with one other individual.
Tastytrade offers several types of tax-advantaged accounts as well, including traditional, Roth, and SEP IRAs.
Products Available to Trade
Tastytrade offers a comprehensive lineup of asset types to trade:
Stocks (including fractional shares)
ETFs
Options contracts
Futures contracts
Options contracts for futures
Cryptocurrencies
Commodities
Note that you can only trade stocks and ETFs in a basic account. You need to complete separate applications to get permission to trade other asset types, like options and futures. Standards vary by asset type, but you generally need to have a minimum amount of cash in your account at all times to trade more advanced asset types.
Commissions & Fees
Tastytrade charges no commissions at all on stock and ETF trades and no direct commissions on most other trades.
However, options and futures trades carry variable per-contract fees that are a few ticks above the industry average. These range from $0.25 to $2.50 per contract, depending on the contract type and underlying asset.
Cryptocurrency trades carry a flat 1% commission. It’s capped at $10 per transaction, regardless of the size of the trade. Cryptocurrency trades may involve other fees that Tastytrade can’t control.
Trading Platforms & Tools
Tastytrade has three distinct platforms: a desktop platform that you download once and run on your computer, a web browser that you can use on any machine as long as you have your login credentials, and a mobile app for on-the-go trading from your phone.
All three platforms have a comprehensive array of features and capabilities for serious traders:
Percent-of-profit orders, which allow you to set a strike price with a higher probability of occurring (and thus locking in your profits)
A rapid order adjustment feature that allows you to change pricing and trade structure on open orders without placing the order again
Curve analysis, a visual representation of expected profit or loss for a given trade based on the strike price
Quick roll, a fast way to roll open options orders into the next expiration month without reopening the trade
Social features like the Follow Feed, where you can follow expert traders’ moves in real time, and an in-platform video feed where expert traders narrate their trades
The mobile trading app has separate versions for Android and iOS. It’s essentially the desktop and browser trading platforms in miniature, with all the same features and capabilities. The user experience is excellent and execution speed (which is critical for serious traders) is on par with the other platforms as long as you have a strong Wi-Fi or LTE signal. Both versions have high marks from thousands of verified users.
Pros & Cons
Tastytrade has some key pros and cons to understand before opening your account.
No trading commissions on stocks and ETFs
Access to less common asset types
Excellent account opening promotion
Not ideal for beginners or hands-off investors
Some missing asset types
Above-average pricing on certain assets
Pros
Tastytrade is a comprehensive, social, and overall well-designed online brokerage for experienced traders.
No trading commissions on stocks and ETFs. Tastytrade charges no commissions on stock or ETF trades. If these are the only assets you buy and sell on Tastytrade, you’ll pay almost nothing (other than unavoidable regulatory fees) to use it.
Access to some less common asset types. Tastytrade’s less common asset types include futures, futures options, cryptocurrencies, and commodities that you can buy and sell directly. Many competing brokerages offer only stocks, funds, and options.
Potentially generous account opening promotion. Tastytrade’s account opening promotion is worth up to $3,000 with a qualifying new money deposit. You can earn the full amount with as little as $250,000 in new money, compared with $1 million or more for similar bonuses elsewhere.
Powerful order construction and execution tools. Tastytrade is built for sophisticated order construction and rapid execution. If your income depends on getting in and out of trading positions quickly, this is a key advantage.
Available anywhere with an Internet connection. Tastytrade’s three trading platforms are available anywhere with an Internet connection. The mobile apps offer Tastytrade’s full capabilities on the go.
Cons
Tastytrade isn’t appropriate for beginner and intermediate investors, which means it’s not appropriate for most market participants. It also has some gaps in asset availability and higher-than-average pricing in some asset types.
Not ideal for beginners. Tastytrade isn’t designed for beginners or even intermediate investors. It’s meant for active traders who know what they’re doing. If that’s not you, consider another online brokerage.
Not designed for passive investors. You can use Tastytrade to build a long-term stock and ETF portfolio that you occasionally write options against. But you can do that with dozens of other online brokerages as well. And Tastytrade lacks basic research and education features that long-term investors need.
Some missing asset types. Though Tastytrade has some bond ETFs, you can’t buy or sell government or corporate bonds directly on Tastytrade. The platform also lacks mutual funds. Truly comprehensive brokerages have both asset types.
Above-average pricing on certain assets. Tastytrade’s options and futures pricing is a bit higher than average in some cases. Futures option pricing ranges up to $2.50 per contract, nearly double what more reasonable brokerages charge.
How Tastytrade Stacks Up
Tastytrade is one of several high-quality online brokerages serving experienced, active traders. One of its closest competitors is TradeStation, which has a similar breadth of assets. Before opening an account with either, see how they compare.
Tastytrade
TradeStation
Account Opening Promo
Yes
Yes
Stock Commissions
$0
$0
Options Contracts
$1 per contract
$0.50 per contract
Futures Contracts
$0.25 to $1.50 per contract
$0.50 to $1.50 per contract
Cryptocurrency Available
Yes
Yes
Bonds Available
No
No
Tastytrade is roughly equivalent to TradeStation on stock, ETF, and cryptocurrency trading. Both lack direct bond access as well. But TradeStation is superior overall thanks to more competitive pricing on certain asset types.
Final Word
Tastytrade has a powerful trading interface built for experienced, active market participants. It’s fast, intuitive, and effective.
If that sounds like everything you need in an online brokerage, Tastytrade could be the right platform for you. Unfortunately, most investors aren’t super-experienced or particularly active. Tastytrade isn’t designed with them in mind.
On the bright side, there’s an abundance of beginner-friendly online brokerages for DIYers, plus even more low-cost, easy-to-use robo-advisors built for passive investors. You don’t have to use Tastytrade just because it’s a well-designed product. In fact, if you have to stop and think about whether it makes sense for you, it probably doesn’t.
*This offer is valid for legal residents of the 50 U.S. states and D.C. It’s not valid for IRA or trust accounts. You must be 18 or older to qualify. For complete rules and additional eligibility requirements, see the Official Terms and Conditions.
tastytrade, Inc. (“tastytrade”) has entered into a Marketing Agreement with Money Crashers (“Marketing Agent”) whereby tastytrade pays compensation to Marketing Agent to recommend tastytrade’s brokerage services. The existence of this Marketing Agreement should not be deemed as an endorsement or recommendation of Marketing Agent by tastytrade and/or any of its affiliated companies. Neither tastytrade nor any of its affiliated companies is responsible for the privacy practices of Marketing Agent or this website. tastytrade does not warrant the accuracy or content of the products or services offered by Marketing Agent or this website.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
The Verdict
Our rating
Tastytrade
Tastytrade is an excellent online brokerage for experienced, active traders who don’t need much support or education. It offers access to less-common asset types like futures and futures options and boasts one of the best, most accessible account opening bonuses in the industry. However, its lack of beginner- and intermediate-friendly resources mean it’s not appropriate for most traders, and its pricing is a bit high on some asset types.
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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
Inside: Are you looking for a remote job? This guide will help you find the best remote jobs for college students, with information on industries, pay, hours, and more.
The internet has made it possible to work from anywhere in the world.
This is great news for college students who want to earn some money while they study.
Back when I was in college, working remotely wasn’t even considered a possibility. But, now, there are a number of online jobs available that are perfect for college students.
In addition, remote jobs are one of the best ways for college students to make money and gain experience.
With a remote job, you can work from anywhere in the world, which is perfect for students who want to travel or live at home with their parents while transitioning to and from a college campus.
There are many different types of remote jobs available, so there is sure to be something that suits your skillset and interests.
In this article, we will explore the best remote jobs for college students.
How can a college student make money remotely?
Remote work has become increasingly popular among college students and for good reason.
Many students today have grown up with technology and possess the skills necessary to excel in remote jobs.
Not only does remote work provide a flexible schedule that can be easily adjusted to accommodate class schedules, but it also offers numerous benefits such as the ability to work from anywhere, reduced transportation costs, and the opportunity to contribute to environmental sustainability by reducing carbon emissions.
Additionally, remote work allows students to earn extra income, potentially reducing their reliance on student loans and minimizing post-graduation debt.
Can I work remotely in college?
Yes! Working remotely in college can be a great way to earn some extra money and gain some work experience.
Remote work has gained immense popularity across the globe, with its adoption nearly doubling since the pandemic.
As college students, you often possess the necessary tools for remote work, such as a laptop, making it a convenient option for them.
This is a great idea if you are looking at how to pay for college without loans.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
The 15 best remote jobs for college students
Working remotely is a great way for college students to earn money and gain experience in their chosen field.
Whether you are looking for a way to make some extra money, or maybe you need a flexible job that will fit around your studies. Whatever the reason, there are plenty of remote jobs out there that could be perfect for you.
Also, you can review these non phone work from home jobs for more ideas.
Here are 15 of the best remote jobs for college students.
1. Virtual Assistant
A virtual assistant is one of the best remote jobs for college students due to its versatility and learning opportunities. Plus there are plenty of virtual assistant jobs with no experience out there.
As the demand for remote administrative support services continues to grow, virtual assistants play a crucial role in helping companies and individuals with various tasks. Working from a remote location, virtual assistants provide administrative assistance by handling phone calls, scheduling appointments, managing emails, and more.
By finding a position as a virtual assistant in their desired industry or with a respected professional, students can make their side hustle more beneficial to their future.
Benefits:
Provides an opportunity to gain professional experience and develop essential skills such as communication, time management, and resourcefulness.
Requires quick thinking and the ability to switch between diverse tasks, which enhances cognitive flexibility and adaptability.
Allows students to learn about different industries and gain insights into their chosen career paths.
Pay: Most virtual assistants average about $20 an hour.
2. Online Tutor
Online tutoring is widely regarded as one of the best remote jobs for college students. With its flexibility and convenience, it offers students the opportunity to work from anywhere at their own pace.
Whether they excel in a specific subject or want to gain teaching experience, online tutoring provides a platform for college students to share their knowledge and help others succeed academically.
Benefits:
A high degree of flexibility it offers.
Freedom to choose their own hours, instruction topics, and the number of students they want to work with.
Balance their tutoring responsibilities with their academic commitments, ensuring they can effectively manage their time.
Pay: Although the reported median hourly wage for tutors was $17 an hour. The actual pay can vary depending on factors such as the subject being taught, the level of expertise required, and the platform through which tutoring is conducted.
3. Proofreader
Proofreading is a crucial role in the final stages of the written content production process, making it one of the best remote jobs for college students. A proofreader possesses a keen eye for detail and a strong command of the language, allowing them to identify and rectify errors that may have eluded the writer or editor.
They play a vital role in ensuring the accuracy, clarity, and coherence of written materials across various industries.
Benefits:
Offer the flexibility to work from anywhere, making it ideal for college students who need to balance their studies with work.
Enhances skill development such as language skills, attention to detail, and critical thinking abilities, which are valuable in various fields.
Networking opportunities to build professional connections and expand one’s network.
Pay: The average pay for proofreading jobs is $22 per hour, providing college students with a valuable source of income.
4. Social Media Manager
In today’s digital world, social media has become an essential tool for businesses to connect with their target audience, build brand awareness, and drive engagement. With the increasing importance of social media, businesses are in need of skilled professionals who can effectively manage their social media presence.
This makes the role of a social media manager one of the best remote jobs for college students, providing them with the opportunity to earn money while gaining practical experience in online promotion.
Benefits:
Enjoy being paid to be on your favorite social media apps.
Ideal remote job for college students due to its flexibility.
Gain practical experience in online promotion, which can be valuable for those studying marketing, journalism, or communications. Benefits:
Pay: The pay for social media management can vary significantly, but you can expect $15 an hour to $25 an hour.
5. Freelance Writer
Remote writing jobs are an excellent option for college students looking to earn extra income while honing their writing skills.
As writers, college students have the opportunity to create a wide range of written materials that can be distributed through various channels, such as articles, blogs, website copy, and more.
The demand for remote freelance writers is high, making it a popular choice among college students seeking flexible work options.
Benefits:
Freelancers can work on short and long-term projects.
As long as you have a computer and internet connection, you can work from anywhere.
Showcase writing skills and earn income.
Pay: The pay for freelance writers is by the word (.01-$1.50 per word). With most freelance writers averaging about $29 an hour.
6. Social media influencer
Social media influencers have become a prominent and lucrative career option in today’s digital age.
For college students, becoming a social media influencer can be an excellent remote job opportunity that allows them to leverage their online presence and pursue their passions while earning money.
To stand out as a social media influencer, it’s essential to create content that is visually appealing and captures the attention of your audience. Experiment with different types of content, such as photos, videos, stories, and live streams, to keep your followers engaged.
Benefits:
Be creative, and authentic, and share valuable information or entertainment that aligns with your niche.
Foster a sense of community.
Monetize your social media presence with sponsored posts, brand partnerships, and affiliate marketing.
Offers flexible working hours, allowing you to manage your studies and other commitments effectively.
Provides opportunities for personal branding and networking, which can open doors to other remote job opportunities in the future.
Pay: Potential for high earnings. This is more passive income than an hourly job.
7. Website or App Tester
Website and app testing is a highly sought-after remote job option for college students due to its flexibility and the opportunity to gain valuable experience in the tech industry.
As designers and developers strive to create the best user experience possible, they often hire individuals to find bugs and issues in their websites and apps. The role of a website or app tester is crucial in ensuring the functionality and usability of these digital platforms.
This feedback is invaluable for designers and developers as it allows them to make necessary improvements and optimize the performance of their websites and apps.
Benefits:
Excellent opportunity for college students to develop and showcase their skills in a professional setting.
Gain practical experience in the tech industry while balancing their academic commitments.
The flexible hours offered by these remote positions allow students to work at their own pace and manage their time effectively.
Pay: Platforms like UserTesting offer a payment of $10 per website tested. You can also find remote hourly wages ranging from $12 an hour to $16 an hour, with potential bonuses based on quality and productivity goals.
8. Video Editing
With the increasing demand for video content across various platforms, video editors play a crucial role in creating engaging and impactful visuals. This profession offers the opportunity to work from anywhere, making it ideal for college students who may have limited availability or prefer a flexible work schedule.
By adhering to the overall video brand messaging strategy, you can shape the final product and captivate the audience. This creative aspect of video editing allows college students to explore their artistic talents and develop their skills in storytelling and visual communication.
Benefits:
One of the key advantages of video editing as a remote job is the ability to work from any location.
Provides a platform for creative expression.
Video editing is a profession that is in high demand.
This high demand translates to a wide range of job opportunities and the potential for steady work, even for college students.
Pay: When it comes to money, beginner video editors can typically charge up to $45 an hour. However, it’s worth noting that rates can vary depending on factors such as experience, the complexity of the project, and client’s budget.
As college students gain more experience and build a strong portfolio, they can potentially increase their rates and earn a higher income from video editing projects.
9. Remote Research Assistant:
Many professors and researchers hire remote research assistants to help with data collection, literature reviews, and other research tasks. This type of job requires strong research and analytical skills, as well as the ability to work independently.
As a research assistant, you will have the opportunity to delve deeper into a specific subject or area of interest.
This can be particularly beneficial if you are considering pursuing further education or a career in that field. By immersing yourself in research projects, you will gain a comprehensive understanding of the topic and develop expertise that can set you apart from others.
Benefits:
Opportunity to work closely with experienced researchers and professionals in your field of interest.
Gain valuable insights, knowledge, and skills that can enhance your academic and professional development.
Learn research methodologies, data analysis techniques, and critical thinking skills that are highly transferable to future career opportunities.
Hands-on experience in conducting research projects.
Build a network of professional contacts in your field.
Depending on the nature of the research projects you are involved in, there may be opportunities to contribute to academic publications or presentations. This can be a significant achievement that adds to your academic portfolio and demonstrates your research skills to potential employers or graduate school admissions committees.
Pay: Compensation for remote research assistant positions varies depending on the project and the level of responsibility. This is a great way to be paid to go to school.
10. Audio Transcription
Audio transcription is a popular remote job for college students that involves listening to audio files and accurately transcribing the spoken content into written form. Additionally, it provides an opportunity to develop valuable skills such as speed and accuracy in typing, excellent listening skills, and efficient time management.
Determine the type of transcription work you want to specialize in, such as technical legal transcription or educational podcast transcription. This will help you target specific clients and tailor your skills accordingly.
Benefits:
Offers flexibility in terms of scheduling, allowing students to work around their classes and other commitments.
Opportunity to develop valuable skills such as listening, typing, and time management, which can be beneficial in various professional settings.
Create a portfolio showcasing your transcription skills and experiences.
Pay: Transcription can be a well-paying job, with freelancing gigs offering up to $0.36 per minute of transcribed audio.
11. Data Entry
Data entry is a popular remote job option for college students due to its flexibility and convenience.
This role involves managing electronic data by entering and updating information in computer systems. It is a job that can easily be done remotely, allowing students to work from the comfort of their own homes or dorm rooms.
However, it is important to be cautious when seeking data entry jobs online to avoid scams.
Benefits:
Minimal specialized skills are required.
Data entry skills can also be beneficial for future career opportunities.
Employers often value individuals with data entry skills, as it showcases their ability to handle and organize large amounts of information accurately and efficiently.
Valuable experience in working with digital documents and databases.
Pay: The average pay for data entry is $18 an hour.
12. Virtual Recruiter
A virtual recruiter is a professional who is responsible for posting online job advertisements and searching for potential candidates to fill various positions.
This remote job opportunity can be particularly beneficial for college students as it offers flexibility in terms of working hours and allows them to gain valuable experience in the field of recruitment while still pursuing their education.
Benefits:
Collaborating with hiring managers and clients to understand their specific requirements and preferences for potential candidates.
This role provides hands-on experience in recruitment, which can be beneficial for your future career in HR or related fields.
Building relationships with candidates, hiring managers, and clients can expand your professional network and open doors for future opportunities.
Pay: The average pay for virtual recruiters is around $20 to $30 per hour, providing the potential for a lucrative income.
13. Blogger
College students can create their own blogs and build an audience by regularly posting content in a unique niche.
While this may not be the easiest route to make money fast, it provides an opportunity to showcase writing skills and develop a cohesive writing style. Once a blog gains a solid stream of visitors, it can be monetized through ads and affiliate links.
However, you will be starting a small online business which has its perks.
Benefits:
This is 100% passive income.
Works as much as you want or as little as you want on your site.
A simple way to help your readers while making money.
Your site can grow as you graduate college until you decide to sell it.
Pay: Various based on traffic and monetization. But it is an easy way to invest $100 to make $1000.
14. Course Creator
As a course creator, you have the chance to teach others about a topic or course that you are passionate about while earning a steady passive income. This job allows you to create online tutorials or how-to videos to educate and engage students from all over the world.
You will be responsible for creating and managing the content on your website and other online platforms. This includes developing blog posts, videos, podcasts, and other educational materials to enhance the learning experience for your students.
Make use of hosting platforms like Thinkific, Teachable, or Kajabi to facilitate easy access to course-related information for your students. These platforms offer features such as course management, student progress tracking, and payment processing, making it convenient for both you and your students.
Benefits:
Opportunity to earn a steady income while pursuing your passion and sharing your knowledge with others.
Working remotely offers flexibility in terms of working hours, allowing students to manage their time effectively and balance their studies with their job.
Gain valuable experience in content creation, marketing, and online teaching, which can greatly enhance their resume for future career opportunities.
Pay: This is a passive income job where you will put the work in upfront and have less ongoing maintenance to run your course.
15. Stock Trader
Stock trading is a lucrative and dynamic field that offers college students the opportunity to work remotely and earn a substantial income. With the rise of online trading platforms and the increasing popularity of investing, stock trading has become a highly sought-after skill in today’s market.
Honestly, I know more and more high school students waiting to turn 18, so they can start life as a stock traders.
As a stock trader, you will be responsible for buying and selling stocks, bonds, and other financial instruments for your own portfolio. This role requires a combination of analytical skills, market knowledge, and the ability to make quick decisions under pressure.
Continuous learning and staying updated on market trends and strategies are crucial to staying competitive in this field. I highly recommend taking the Trade and Travel course to learn the basics of stock market investing.
Successful traders can earn substantial profits, but it is important to note that trading also involves the risk of financial losses.
Benefits:
Stock traders have the potential to earn significant income through their trading activities. Learn how fast you can make money in stocks.
Flexibility to trade before class and work from anywhere with an internet connection.
Opportunity to work independently and be your own boss, setting your own schedule and goals.
However, it is important to acknowledge the challenges that come with being a stock trader. The stock market is highly volatile and unpredictable, requiring constant monitoring and adaptation to changing market conditions.
Pay: Various significantly with your profit /loss ratio. But, a great way to make $1000 a day.
16. Customer Service Agents
Customer service agent remote jobs are a great option for college students looking to gain work experience while studying. These jobs allow students to provide excellent customer service from the comfort of their own homes, offering flexibility and convenience.
Remote customer service agents interact with customers through various communication methods such as phone, chat, and email. They answer customer questions, solve problems, and direct customers to the appropriate resources when needed. These jobs can be done part-time, making them ideal for students with busy schedules.
Benefits:
Require little experience or education.
Develop valuable skills such as communication, problem-solving, and time management.
Showcase their communication skills to future employers, which is a highly desirable quality in any job.
Pay: Earnings can range from $10 to $25 per hour, depending on the role and experience.
17. Photography
Photography is a form of artistic expression that allows college students to showcase their creativity.
You can experiment with different styles, compositions, and subjects to capture unique and visually appealing images. This creative aspect of photography can be fulfilling and enjoyable for college students who have a passion for visual arts.
Benefits:
Choose when and where to take photos, giving them the freedom to balance their academic and personal lives effectively.
Build a portfolio of their best work. A strong portfolio can open doors to more significant opportunities in the future, such as exhibitions, collaborations, or even full-time photography careers.
Earn income while honing their skills in product, stock, or event photography.
When stock images are licensed, earn passive income from the sales.
Pay: When it comes to pay, the average rate for a photographer is $24 per hour. However, it’s important to note that pay can vary depending on factors such as experience, location, and the type of photography gig.
18. Virtual Internships
Virtual internships provide valuable work experience and allow you to gain industry-specific skills while working remotely. Many companies offer virtual internships in fields like marketing, finance, and technology.
Having an internship in the field you want to pursue is an invaluable opportunity to gain practical experience and enhance your career prospects.
Additionally, virtual internships can provide you with a unique perspective on the field you want to pursue (and if you still want to pursue it).
Benefits:
Gain relevant work experience in your desired career field.
Practical experience will not only enhance your understanding of the industry but also demonstrate your competence and dedication to potential employers.
Greatly strengthen your resume.
Build a network of contacts in your desired field.
Pay: These internships may be paid or unpaid, but the experience and connections you gain can be invaluable for your future career.
Looking for Online Summer Job?
There are a plethora of online summer temporary jobs available for college students. You just have to decide what is interesting for you to do.
Also, think about ways you can build your resume for future employment after graduation.
If I could go back to college, I would focus on learning how to make your money work for you. That is one of the best life skills you can truly understand.
This list above has plenty of options for you to consider.
Are you passionate about words and reading?
If so, proofreading could be a perfect fit for you, just like it’s been for countless of readers! Learn how you can create a freelance business as a proofreader.
Check out this free workshop!
Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.
Find out TODAY if this is THE business you’ve been looking for.
FAQ
Many colleges and universities have career centers or job boards that specifically cater to remote job opportunities for college students.
Networking is crucial for college students when it comes to finding remote job opportunities. Reach out to your professors, classmates, and alumni who may have connections or knowledge of job opportunities.
This is smart if you want to know how to move out at 18.
Remote work requires a unique set of skills that allow individuals to effectively perform their job duties from a distance. In order to succeed in a remote job, college students should possess the following skills:
Time management: Remote work often provides flexibility in terms of scheduling, but it also requires individuals to manage their time effectively. College students need to be able to prioritize tasks, set deadlines, and stay organized to ensure they meet their work obligations.
Communication skills: Since remote work involves limited face-to-face interaction, strong communication skills are essential. College students should be able to effectively communicate through various channels such as email, instant messaging, and video conferencing.
Self-motivation: Working remotely requires a high level of self-discipline and motivation. College students need to be able to stay focused and productive without direct supervision. They should have the ability to set goals, stay on track, and meet deadlines without constant oversight.
Adaptability: Remote work often involves working with different tools, technologies, and platforms. College students should be adaptable and willing to learn new software or applications that are necessary for their role.
Problem-solving: Remote work may present unique challenges and obstacles that require critical thinking and problem-solving skills. College students should be able to analyze situations, identify potential issues, and come up with innovative solutions. This skill is particularly important when faced with technical difficulties or communication issues.
By honing these skills, college students can position themselves as valuable assets to remote employers and increase their chances of securing remote job opportunities.
When you’re applying for remote jobs, most of the time your potential employer will want to see some kind of portfolio that showcases your skills and experience.
You can create a portfolio by using a free online portfolio builder or by creating your own website.
With a visually appealing and user-friendly portfolio, you can make a lasting impression and increase your chances of landing your dream remote job.
Which Online Jobs for College Students Are Interesting To You?
There are a lot of great remote jobs for college students out there!
With a little bit of research, you can find the perfect job for your skills and interests.
Be sure to consider the pay, hours, and industry when you are looking for a remote job as well as career advancement.
For many students, working in college is a must! Because you know how to pay for college without parents is hard.
So, use these ideas to find the right job for you whether it is part-time or full-time.
And if all else fails, check out this list of low-stress jobs that pay well without a degree.
Know someone else that needs this, too? Then, please share!!
Prepare for a fiery odyssey that will ignite your taste buds and test your spice tolerance to the limit. Fueled by unique varieties and the surge of the internet shows celebrating fiery hot sauces, the popularity of super spicy peppers has skyrocketed. Join us on a thrilling exploration as we uncover the secrets of the world’s hottest peppers, from the tongue-tingling jalapeño to the tear-inducing habanero.
1. Carolina Reaper
The Carolina Reaper, bred by South Carolina farmer Ed Currie, holds the title of the world’s spiciest chili pepper. With its vibrant appearance and deceptive fruity sweetness, it quickly reveals its fiery nature, delivering a scorching heat that lingers. Only the brave dare to experience its intensity, using it sparingly to add a thrilling kick to various dishes. The Carolina Reaper stands as a legendary pepper, pushing the boundaries of spiciness and leaving a lasting impression on the culinary realm.
2. Komodo Dragon
The Komodo Dragon pepper, created by Italian producer Salvatore Genovese, is a fiercely hot variety inspired by the mighty reptile. Released in 2015, it boasts a Scoville rating ranging from 1.4 million to 2.2 million. With its vibrant colors, wrinkled skin, and deceptive sweet and fruity flavor, this pepper gradually builds up to an intense heat. It is recommended for experienced spice enthusiasts and can be used sparingly to add a fiery kick to various dishes. The Komodo Dragon pepper is a thrilling culinary adventure for those seeking an extraordinary heat experience.
3. Chocolate Bhutlah Pepper
The Chocolate Bhutlah pepper is an exceptionally hot and rare chili variety. Created by Chad Soleski by crossing the Bhut Jolokia and Douglah peppers, it possesses distinctive chocolate-colored, wrinkled skin. Despite its Scoville rating of two million units, it delivers an intense and gradually building heat. Caution should be exercised when handling and using this pepper, but it can add a fiery kick to various dishes, especially meats. The Chocolate Bhutlah pepper is a coveted choice for those seeking an unforgettable and extraordinary spicy experience.
4. Trinidad Moruga Scorpion Pepper
The Trinidad Moruga Scorpion is a renowned chili pepper with intense heat. Originally discovered in Trinidad and Tobago, it features wrinkled, red, or orange skin. With a Scoville rating of two million units, it ranks among the world’s hottest peppers. Known for its slow-building burn and long-lasting heat, it offers a sweet and fruity flavor that enhances hot sauces and recipes. While newer peppers have claimed the hottest title, the Trinidad Moruga Scorpion remains highly regarded by spicy food enthusiasts.
5. Seven Pot Doughlah Pepper
Prepare for a thrilling culinary adventure with the Seven Pot Douglah pepper—a chili renowned for its intense heat and irresistible flavor. Originating from Trinidad and Tobago, this pepper boasts distinctive dark or chocolate-colored skin. With a Scoville rating of nearly 1.8 million units, it ranks among the world’s hottest peppers. Its slow-building burn gradually intensifies, delivering a powerful and long-lasting heat. Despite its fiery nature, the Seven Pot Douglah surprises with a sweet and nutty flavor that enhances various dishes. This pepper has become a favorite in Caribbean cuisine and among chili enthusiasts.
6. Dorset Naga Pepper
Experience the fiery enchantment of the Dorset Naga chili pepper. Crafted by innovative farmers Joy and Michael Michaud in Dorset, England, this chili delivers an intense heat and captivating fruit-like flavor. With its vibrant candy-apple red or orange-red skin, it’s a visual feast. Ranked among the hottest peppers worldwide, the Dorset Naga boasts a precise Scoville rating of 1,598,227 units. Brace yourself for its swift and surprising heat, complemented by a delightful fruity sweetness. Whether you’re a spice enthusiast or an adventurous food lover, the Dorset Naga promises a thrilling culinary adventure.
7. Seven Pot Primo Pepper
Embark on a fiery adventure with the Seven Pot Primo pepper, a remarkable hybrid of the Trinidadian Seven Pot and the legendary Naga Morich. Created by farmer Troy Primeaux, this pepper boasts mesmerizing deep red or rusty orange skin with intriguing textures. With a scorching Scoville rating of 1,473,480 SHU, it ranks among the hottest peppers worldwide. Its slow-building burn delivers a relentless and long-lasting heat, balanced by a surprising blend of fruity and lemony flavors. The Seven Pot Primo is a favorite in hot sauces and spice blends, offering a tantalizing kick to any dish.
8. Trinidad Scorpion Butch T Pepper
Experience the scorching sensation of the Trinidad Scorpion Butch T pepper, a legendary “Capsicum chinense” variety from Trinidad and Tobago. Named after Butch Taylor of Zydeco Farms, this pepper boasts a fearsome appearance with its fiery red or orange skin and wrinkled ridges. It once held the title of the world’s hottest pepper. Though surpassed in recent years, its potent kick still demands caution. Brace yourself for an unforgettable encounter with this fiery legend that continues to captivate spice enthusiasts worldwide.
9. Naga Viper
Discover the sensational Naga Viper pepper, a British chili that reigns among the hottest of the hot. Bred by Gerald Fowler, this hybrid marvel blends the powers of the Trinidad Scorpion, Bhut Jolokia, and Naga Morich peppers. With its fiery appearance, featuring wrinkled red or orange skin, this pepper delivers a powerful punch. However, it also surprises with its fruity and floral flavors, making it a beloved ingredient in hot sauces.
10. Seven Pot Brain Strain Pepper
Prepare to be caught off guard by the remarkable Seven Pot Brain Strain pepper, renowned for its unexpected, sneak attack of heat. This extraordinary chili is a cultivar of the Trinidadian Seven Pot pepper, boasting a vibrant orange or red hue and a heavily wrinkled appearance, characteristic of its fiery counterparts. Embraced by spice enthusiasts and celebrated in Caribbean cuisine, the Seven Pot Brain Strain pepper is a favored choice for those seeking a thrilling culinary experience. Get ready to embark on a spicy adventure as you delve into the world of this captivating pepper variety.
We’ve explored a range of peppers, from the legendary Carolina Reaper to the fiery Naga Viper, each with its own unique characteristics and heat levels. These peppers have captivated spice enthusiasts and added a fiery kick to various dishes. Whether you’re a seasoned spice lover or an adventurous foodie, these peppers offer an exhilarating exploration of flavor and intensity.
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Have you ever pretended to enjoy something that you honestly didn’t like? Is there anything you believe others are faking their interest in because you know it totally sucks? You’ve got company. After polling the internet, these are the top-voted responses to the question, “What are you convinced people are pretending to enjoy?”
10. Making Life Instagram Ready
“Trying to make everything Instagram ready,” one shared. “I’ve fallen into that trap before, deleted everything but Reddit. I’m much happier now living in the moment, watching my kids play instead of taking photos of them, eating my food instead of standing above it trying to take a picture in a crowded restaurant. Once you stop feeding your ego, much worry stops with it.”
9. Your Boss’s Jokes
“Your boss’s jokes,” one declared. A boss responded, “It took me a while after coming into a brand new office as a boss to realize I didn’t get funnier. The staff was just all fake, laughing at my jokes.” Another admitted, “I built up a Pavlovian canned laughter response to my old boss that would kill a little bit of my soul every time.”
8. Having a Job
One person suggested, “Having a job.” “As someone who hates working, I’d say it depends. I’ve done volunteer work I have loved and stayed longer than my shift, but I do not like my real job,” another argued. Finally, a third agreed, “There isn’t a job on earth that I could do for 40+ hours every week for 50 years and still be happy doing it or love it in any way.”
7. Drama at Work
“Having constant drama at work, in friend groups, and elsewhere really can’t be all that exciting… can it? So if I have one friend causing me too much drama, I usually avoid it like it’s the plague,” shared one. A second added, “I find many of these people telegraph their ability to create drama by, unprompted, declaring they hate drama.”
6. Loud Bars and Restaurants
Someone suggested “Bars and restaurants with loud music and terrible acoustics. What’s the point in being social in a place where they’re trying to make it hard for you to socialize?”
5. Playing Tag with Toddlers
“Playing tag with a four-year-old. You have to let the toddler win all the time, not make them cry. You have to run slow and look like you’re enjoying it,” shared one. Another added, “Playing hide and seek also. You never know who’s hiding or who’s seeking.”
4. Laughing Podcast Hosts
“Podcasts where the hosts laugh at everything they/other hosts/guests say,” one replied. “Nothing is that funny for that long, dude.” A second user added, “Wow, you’re right. Sometimes a podcast needs an editor to say, “I’m glad you guys are having a good time, but this whole episode was like an in-joke that the audience is not involved in.”
3. Videos and Photo Galleries of Other People’s Kids
One stated, “Long, boring videos of their friends’ kids.” Another added, “Long, boring forced video chats with friends’ kids. I DON’T WANT TO SKYPE WITH YOUR FIVE-YEAR-OLD. I know you’re tired of them talking your ear off, but subjecting your friend to it is plain inconsiderate.”
2. Maintaining Internet Personalities
“Maintaining their jobs as YouTube, TikTok, and Instagram personalities. I briefly had mild success with a channel on YouTube 10 years ago, and it was nowhere near the level things are now. And I see the production value and the regularity of some of the content. And I think how much pressure these folks feel to feed the machine or perish,” someone confessed.
1. LinkedIn
The number one-voted response is LinkedIn. “Accurate. It’s like an office party you don’t want to attend but need to so you can network,” one suggested. Finally, another shared, “Linkedin is the biggest self-fart sniffing contest. It is salespeople trying to sell garbage to other salespeople.”
Source: Reddit.
Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.
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Some people are just impossible to shop for. Maybe they already have everything, or maybe they have everything they need.
I take minimalism to new heights, and it drives my family crazy come Christmastime. Bad news for my family; good news for you. That makes me the perfect person to walk you through this.
It’s true that hard-to-shop-for people require some extra creativity during gift-giving season. Fortunately, it’s easier than ever to buy outstanding gifts for even the most challenging recipients.
Unique Gift Ideas for Someone Who Has Everything
Forget the usual humdrum gifts. These gift ideas are customizable to your budget and recipient’s hobbies and interests. This time around, give them something they actually want, no matter their age or how difficult they are to shop for.
1. An Educational Project Subscription
There are loads of education projects available on the internet if you’d like to try your hand at DIY. But those without the time nor inclination can sign up for a one-time box or subscription service.
For example, KiwiCo is a parent- and kid-friendly subscription service that delivers enriching art and science projects right to your door each month. Simply choose an age group-based project line, pick your plan, and expect the first crate within days. You can pause or cancel anytime.
Project lines range from Panda (0 to 24 months) and Kiwi (2 to 4 years) all the way up to Eureka (12 to 100 years) and Maker (14 to 100 years). And if you don’t want a monthly commitment, you can order a one-off project crate.
2. A Fun Membership or Subscription
You can give your loved one access to a year’s worth of entertainment through a video streaming service like Netflix, Hulu, Disney+, or Amazon Prime Video. If they’re a book or music lover, give them an audiobook service like Audible, or a music service like Spotify or Sirius XM.
For friends with kids, opt for a membership to a local children’s museum, kid-centered gymnasium, zoo, or aquarium. Really, you can give a membership to anything from Costco to AAA to magazine subscriptions.
A subscription box membership is an irresistible gift that keeps on giving. My Subscription Addiction is the place to find boxes for just about any interest and budget.
Not sure where to start? Choose a club or association that would mean something to your recipient, and then contact them to ask if they offer gift memberships for purchase. Every time the recipient accesses their membership benefits, they’ll think of you.
3. A Virtual Assistant
Money is a renewable resource, but time is not.
A virtual assistant can help take a wide range of chores off your recipient’s plate: repetitive work tasks, contacting customer service departments, managing their inbox, bookkeeping, scheduling, travel planning — the list goes on.
A VA can give them back their time by doing whatever scutwork your recipient was planning to do next Saturday morning while the kids were watching cartoons. They can then spend it with their family, doing their favorite hobby, or just catching up on much-needed sleep.
Best of all, once they get over the initial awkwardness of delegating their personal chores to a virtual assistant, they can start regaining time for themselves every single week by continuing to work with their VA.
BELAY and WoodBows are full-service VA placement companies, or you can hire a virtual assistant directly through a freelance website like Fiverr or Upwork. It’s the perfect last-minute gift to buy and print instantly.
4. An Experience
Those of us who have enough stuff don’t need (or want) another knickknack to clutter up our living rooms or another toy to play with for a day or two and then set aside.
Think beyond the physical and give an experience instead. When you prepay for an event or experience, your loved one gets a fun adventure to remember and possibly gains new skills and memories — all of which are much more valuable than a new iPhone speaker or pair of shoes. It’s also a more thoughtful gift, showing you took the time to plan something for them rather than buying them another bland gift set.
Experience gifts can include:
Check out Groupon and LivingSocial for experience-based gifts for any budget. If you’ve got something specific in mind, looking for a site dedicated to those experiences opens up a world of possibilities. For example, Traveling Spoon has delectable food experiences and Context Travel lets you in on one-of-a-kind local-led walking tours in your favorite cities. And for some people, that last one can be a fun way to see the city where you live in a whole new way, through someone else’s eyes.
5. Gift Cards
Some people think gift cards are a cop-out, but consider this: People who have everything clearly know what they want. Why force a gift on them now? With a gift card, they can treat themselves whenever they’re ready.
There’s no shame in buying someone a gift card or gift certificate for their favorite store or activity. It shows you pay attention to their preferences while acknowledging they prefer to shop for themselves. Whether it’s for their favorite clothing store or a new restaurant, a gift card tells the recipient the gift is truly about them and not your need to show off your creativity.
Stop thinking about the kind of gift you’d rather give, and buy them the kind of gift they’d rather receive.
6. A Night Out
Everyone needs a night out sometimes — single people, coupled people, rather-be-with-their-pet people. There are only so many nights in a row you can stay in and watch Netflix.
Plan a date night or night out for your recipient, from start to finish. It could include a dinner reservation and gift card, pre- or post-dinner cocktails at a swanky bar, movie tickets, theater or sporting event tickets, transportation, even tickets to a fundraiser gala. The important point is you do all the logistical planning for them so all they have to do is gussy themselves up and stroll out the door.
Finally, if your recipient has young children, don’t forget to plan for babysitting with someone they already know and trust. Hint, hint.
7. Babysitter Service
Parents of young children need nights — and days — out more than anyone. Give them the gift of breathing room and time to just worry about themselves for once. You can hire a sitter you know and trust or go through a service like Sittercity.com or Care.com.
Just remember that many parents feel anxious about leaving their kids with anyone other than sitters they’ve used before. So you may need to do a little sleuthing to find those people and arrange their services. Or you can offer your own services.
Even if you don’t plan anything else for their day or night out, hiring a sitter can give your loved one the excuse they were looking for to get out of the house for some me-time.
8. Home Cleaning Service
The last thing most of us want to do when we’re not working is scrub our toilets and shower tiles. A home cleaning service offers one more option for helping your recipient reclaim lost time.
You can hire a local or nationwide cleaning service. Your recipient gets a cleaner home, a happier relationship, and their weekend back to spend however they like. Win, win, win.
9. Meal Kit Delivery Service
Meal kit delivery services provide all the ingredients for meals with easy-to-follow recipes. They’re convenient, they’re easy, they save trips to the grocery store, and they can help dieters make healthier food choices without the headache of calorie-counting apps.
Due to their meteoric rise in popularity, you have plenty of meal kit delivery services to choose from, from Hello Fresh to Blue Apron to Hungryroot.
10. Cooking Classes
Alternatively, some people would cook more at home if they felt more confident in the kitchen.
Cooking classes from places like Sur La Table cover a wide range of cooking skills. They cover basics like meal prep and how to use kitchen utensils. For intermediate cooks, there are lessons on how to cook quickly and efficiently with appliances like pressure cookers and air fryers. Advanced cooks to opt for lessons like pairing wines with food.
Or look for a specialty class, such as King Arthur Baking’s school, where they have a class or three almost every day in subjects like pizza, bread-making, and cookies.
Besides being a fun experience gift for foodies, cooking classes can truly transform your recipient’s and their family’s lives. I confess I wish someone had given my mother a cooking class or two when I was growing up.
11. A Personalized Gift
When someone already has everything, a personal touch can mean the difference between just another gift and something truly meaningful. When you order something engraved, embroidered, or otherwise designed specifically for your recipient, you show you’ve put real thought and effort into finding the perfect gift.
Personalized gifts don’t need to be flashy or expensive. A few ideas to get your creativity flowing include:
Photo socks
A keychain with important dates (such as anniversaries or birthdays) listed on it
A leather journal with an embossed name or message
Personalized jewelry
An engraved flask
Engraved wine glasses
A personalized wooden cutting board
12. Name a Star After Them
This gift idea nears the red zone between sweet and hokey. Yet you’d be surprised how many people find it romantic. After all, who doesn’t love the idea of being immortalized?
Several services enable you to exclusively name stars after your loved ones. Check out the Online Star Register and CosmoNova for two reputable options.
Be prepared to break out a star map and a telescope to point out the exact star to your recipient. Mark the occasion with a glass of Champagne to up the romance factor.
13. A Bluetooth Record Player
For the audiophile or hipster on your gift list, it’s hard to go wrong with a vintage vinyl player.
Modern record players make a fun gift for people who enjoy gadgets. You can opt for a vintage-style Bluetooth turntable or go a little higher-end with a fully automatic modern record player. The choice is yours.
Add to the gift by including a vinyl version of your recipient’s favorite album.
14. Noise-Canceling Headphones
One Christmas, I splurged and bought myself a pair of quality noise-canceling headphones.
I don’t know how I lived without them in the loud shared office where I work. It’s like wrapping myself in my own personal sound bubble. Sometimes, I turn them on with no music playing just to enjoy the relative silence.
And the good news is you can buy noise-canceling headphones on any budget.
15. A Scratch Map
My wife is an international educator, as are most of our friends overseas. We all love international travel, and most of us keep scratch maps to visually track our journeys.
Like scratch-off lottery tickets, scratch maps come with all countries coated with silver or gold scratch ink. As you visit a country, you scratch it off the map. For the travel lover on your list, it makes a fun and inexpensive gift.
I like a vintage-looking scratch map that looks like it fell off a museum’s shelf. Scratch maps that distinguish between states in countries like the US, Brazil, and China help you be more specific about your travels.
You can’t go wrong with a scratch map as one of the best travel gifts for men or women.
16. Airline Tickets
If you have a more sizable budget, book airline tickets or a dream trip to help your wanderlust recipient widen their horizons and push past their comfort zone.
Unlike the sweater you gave them last year, it will make for a gift they’ll never forget. But this is one time you’ll want to involve them in the process to ensure the dates work for them and you book a destination they want to visit.
17. Travel Accommodations
If someone’s already handled the travel, book them one or more nights’ accommodations.
There are plenty of affordable alternatives to hotels, many of which prove far more authentic and memorable. I don’t remember most of the corporate hotel stays in my life, but I can remember every guest house in Eastern Europe, every bed and breakfast in South America, and every Airbnb stay in South Africa.
If your recipient would rather choose their accommodations themselves, you can buy gift cards for Airbnb or a major hotel chain.
18. A National Parks Pass
Give the rugged, outdoorsy recipient unlimited access to over 2,000 federal recreation sites, including national parks and forests.
An annual pass from the National Park Service is surprisingly affordable and makes particular sense for recipients who live near a park they love to visit. But it also serves as an excuse to travel the country and see more of its natural attractions.
For hikers, campers, backpackers, and nature lovers, an annual park pass makes a perfect gift.
19. A Lens Kit for Their Phone Camera
Mobile phone cameras have come a long way since the mid-2000s, rivaling the image quality of full digital cameras a decade ago. But they come with one major limitation: the lens. You can’t extend it to zoom, and you can’t swap it out for wide-angle shots.
Fortunately, you can now buy mobile phone lens kits. In seconds, you can snap on a zoom, wide-angle, or fish-eye lens to your phone’s camera. They’re tiny and light, making them perfect for travel photography when you’re traveling light.
Amazon has loads of lens kits to convert almost any smartphone into a versatile digital camera.
20. A 23andMe Genetic Test
You can learn a lot from a genetic test: useful insight such as health risks and predispositions, information about your family’s roots, and even amusing information such as celebrities with tenuous genetic links to you.
The person who already has all the stuff they want could still use a glimpse into their family’s past through 23andMe’s genetic testing kit.
It may spark a deep curiosity about their roots and kick off a journey of discovery.
21. A New Way to Clean Up
Toilet paper is yesterday’s news. Bidets are the wave — or stream — of the future. And assuming they use it regularly, your lucky recipient’s new post-business cleaning system will almost certainly cost less in the long run than the traditional method.
That’s especially true if you invest in the Tushy Classic 3.0, a built-to-last bidet that’s an absolute steal at just over $100. If you think your friend will wholeheartedly embrace a new way to clean up down there, consider going all-out and outfitting them with a comprehensive Tushy system featuring the Tushy Classic 3.0, Tushy Stand and eco-friendly bamboo tissues, Tushy Brush, and Tushy Ottoman (for better-angled business).
22. Headspace
Every week, it seems like a new study comes out with fresh data reaffirming the physical and emotional benefits of meditation. As someone who practices — or at least tries to practice — daily, I can attest that it helps you manage stress and maintain better control over your emotions and mindset.
But not everyone is ready to hop into a lotus position and start saying mantras. For many people, guided meditation helps them focus. The app stores overflow with guided meditation apps, but few can rival Headspace.
Headspace offers a wide range of guided meditation sessions at varying lengths. They also offer extras like courses, progress tracking, and exercise.
23. A Kitchen Herb Garden
There’s nothing better than fresh herbs in your cooking. But as an apartment dweller, I can’t just nip out back to pluck some fresh basil or thyme from my garden. And even if I had a backyard, I doubt I’d have the time to keep a proper herb garden.
The solution: a miniature kitchen herb garden. If your recipient doesn’t have the proper window orientation for natural light or doesn’t have the attention span to water herbs every day, they can use a small indoor garden kit that provides timed light and watering on automation. You can start them off with a down and dirty DIY herb garden kit or opt for a fully automated hydroponic model.
24. Food & Drink
Nowadays, I mostly give my family and friends consumables. They just don’t want more stuff. So I give upscale cheeses, wine, beer, cigars, and homemade foods. Choose consumable gifts well, and you know they’ll be appreciated and won’t go to waste.
25. A Brewing Kit
Give someone a beer, and you sate them for a day. Teach them how to make their own beer, and you sate them for life.
When you brew your own beer, you get to make fun and creative styles that suit your palette, whether that’s honey red ales, mouth-puckering sours, or vanilla bourbon barrel-aged imperial stouts.
Buy your recipient a beginner brewing kit if they’ve never brewed before, and give them the gift of a new hobby.
26. Stocks, Shares, or Crowdfunding Investments
Everyone needs investments if they ever hope to retire. For the person who has everything, consider the gift of an appreciating or passive income-producing asset.
That could include shares of individual stocks or exchange-traded funds, real estate investment trusts, or even real estate crowdfunding investments through Fundrise. If they’re new to investing and just need a bit of help, start them off with their own brokerage account by sitting down with them in person to help them open one with a company like SoFi Invest or Robinhood. Then, show them how buy their first shares.
27. A Charitable Donation
Donating to charity in lieu of a gift has come a long way in recent years thanks to services like GoFundMe and IndieGogo.
The trick to making a thoughtful donation lies in a single question: What would your friend donate to if they were choosing the organization? A recipient passionate about cancer research would probably love a donation to the American Cancer Society or Make-A-Wish Foundation. You can also use crowdfunding sites to find causes that hit closer to home, like giving money for a friend’s medical treatment or giving to a veteran via the Wounded Warrior Project.
You can opt to take the charitable donation tax deduction on your own tax return by dedicating the gift in your recipient’s honor. Or you can make the gift legally in the recipient’s name so they get the tax deduction if they itemize their deductions.
Your recipient may not need anything for themselves, but there are plenty of people in this world who do. Check out JustGive.org for a list of organizations perfect for gift donations.
Final Word
When someone already has everything they want and need, the real challenge lies in finding a way to show your love and appreciation rather than finding the perfect gift. After all, if it’s the thought that counts, then putting extra consideration into services, experiences, and gifts that show you care is much more valuable than the priciest present. So think outside the mall or gift baskets and come up with a gift that’s truly meaningful.
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G. Brian Davis is a real estate investor, personal finance writer, and travel addict mildly obsessed with FIRE. He spends nine months of the year in Abu Dhabi, and splits the rest of the year between his hometown of Baltimore and traveling the world.
Did anyone ever give you a user’s manual for your checking account?
Probably not. There are best practices in managing a checking account, but even if you learned the rules from your parents or through your own hard-won experience (or if you never did), it may be time for a little checking account check-up.
Why? Because some of the rules for checking accounts no longer apply. Financial regulation, market conditions and technological developments have all changed some of the ways you should think about managing your checking account.
Here are today’s rules — some new, some old, and some a matter of personal choice — for managing your checking account.
New rules for checking accounts Don’t be pressured into opting in to overdraft protection. The Federal Reserve now requires U.S. banks to have customers actively opt in to overdraft protection before applying that protection to their checking accounts.
Banks very badly want you to opt in, because the fees are so juicy — a MoneyRates.com survey of bank fees released in July 2010 found that the average overdraft fee was $29.26. Although this fee could very well lead to the proverbial $30 cup of coffee, a poll by the National Foundation for Credit Counseling found that more than a quarter of Americans plan to opt in to overdraft protection.
Don’t opt in to overdraft protection without thinking long and hard about whether it makes sense for the way you use your account — more on this below.
Keep a large cushion in your checking account. Conventional wisdom was that you should keep your checking account balance at a minimum, so more of your money could be earning high interest somewhere else.
These days, though, with the FDIC reporting that the national average for savings account interest rates is 0.19 percent annually, you won’t be missing out on much interest if you keep more money in your checking account.
Having this cushion — large enough for you to avoid overdrafts entirely or not worry about monthly maintenance fees — can more than make up for the lost interest. Rather than thinking about bank fees as a few dollars here or a few dollars there, think about them as negative interest — so a single month’s $10 maintenance fee really sets you back.
Make use of banking technology. Debit cards have accelerated the pace of banking. Aggressively use technology like online banking, electronic expense tracking and mobile alerts to accelerate the pace of your account monitoring. There’s no reason not to check your checking account balance every morning, especially if you are going to be using your debit card that day.
Oldie-but-goodie rules for checking accounts Some rules for handling checking accounts are timeless.
Balance your account. If you simply rely on the bank’s records, you will be less alert to possible fraud or new fees on your account. Keep your own set of records, and check it against the bank’s record at least once a month. Is that extra work? Yes. Do banks sometimes make mistakes? Absolutely.
Shop around. Not all checking accounts are created equal. The July 2010 MoneyRates.com bank fee survey found that 44.2 percent of checking accounts have no monthly fees, but on other accounts those fees can range as high as $50 — that would come to $600 a year. Overdraft fees can be as low as $18 or as high as $35 dollars.
Comparing checking accounts for the lowest fees and terms that fit your banking habits can make a huge difference.
Protect your data. Make sure you are using a secure Internet connection before accessing your account online, and avoid using public computers for online banking. If you use old-fashioned paper checks, mail them in a secure mailbox — bill payments usually look obvious and are a favorite target of fraudsters.
Your rules for checking accounts Some ways to best manage a checking account depend on your own habits and preferences.
Figure out how your usage patterns affect your fees. Bank fees come in a variety of flavors — monthly maintenance fees, overdraft fees and ATM fees, to name some common examples.
Identifying the “lowest-fee” checking account depends a lot on how you use the account. If you never overdraft your account, you might not mind an account with high overdraft fees, and you could even opt in for overdraft protection just to be on the safe side. If, however, you are a serial overdrafter, you’d better look for low overdraft fees — or seriously consider not opting for overdraft protection so you will be forced to break this bad habit.
Find a record-keeping method you will stick with. The “on-the-fly” nature of debt card transactions causes many people to neglect their recordkeeping, but you can’t manage your finances responsibly without good information.
You can bring a paper register with you to record transactions as you make them, get fancy with a smartphone app or simply keep your receipts in your wallet and sit down at the end of the day to log them in. (There are a number of tips and tricks offered by others to track your spending. Monitor your balance and transactions in whatever way works for you, but stick with it.)
Leave home without it. One old ad campaign for a major credit card advised, “Don’t leave home without it.” A newer one asks, “What’s in your wallet?” The common theme is that credit and debit cards should accompany you wherever you go.
If you’re prone to compulsive spending, however, you may want to rethink that. Try going cold turkey on carrying your debit card around now and then, and see if you spend less money as a result. If you find it helpful to use cash, try the envelope system.
Checking accounts are both a tremendous convenience and a potential source of financial trouble. Following a few simple rules for handling your checking account will help give you the convenience without the trouble.