In a related development, Dallas-based Comerica Inc. also disclosed a similar accounting adjustment. The bank is set to take a charge of $91 million in non-interest income due to the discontinuation of the index. However, this is somewhat mitigated by a non-cash pretax benefit of $3 million in net interest income. Comerica expects to gradually … [Read more…]
Are you looking for the best jobs for pregnant women? Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period. Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to…
Are you looking for the best jobs for pregnant women?
Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period.
Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to focus on looking for opportunities that suit your skill set, level of experience, and physical limitations during pregnancy.
For me, when I was pregnant not too long ago, I really loved being able to work from home. It made life so much easier, and the flexible hours helped greatly for when I wasn’t feeling up to it.
A good starting point could be looking for work-from-home positions or freelance opportunities that allow for more flexible schedules and the possibility of working at your own pace from the comfort of your home.
Recommended reading:
Best Jobs for Pregnant Women
There are 16 ways for pregnant women to make money listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
Below are the top jobs for pregnant women.
1. Blogger
Blogging is exactly what I do for a living, and it is how I made money while pregnant as well.
Being a blogger means writing blog posts for people on the internet, just like with this blog post that you are currently reading.
You can write about things you like, such as money, travel, lifestyle, or family. Plus, you get to choose how you make money from your blog – there are lots of ways, like display ads or affiliate marketing.
Blogging is how I earn most of my money, and it has totally transformed my life. I can travel whenever I want, make my own schedule, be my own boss, and spend the whole day with my daughter. Plus, having flexible work hours helped me a ton while pregnant as I was able to choose my working hours.
Learn more at How To Start A Blog FREE Course.
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Freelance writer
Similar to blogging, freelance writing gives pregnant women the opportunity to showcase their writing skills while working remotely. This job allows you to work on various writing projects, such as articles and ebooks.
Freelance writers create articles, website content, social media posts, or even ebooks for different people or companies.
I have worked as a freelance writer for many years. It’s a great career because you can work from home and set your own schedule, like writing only when you’re feeling good during your pregnancy or while your baby is napping.
Recommended reading: 14 Places To Find Freelance Writing Jobs For Beginners
3. Tutor
An online tutor gives academic support to students via video chat or messaging platforms. It’s a good option for pregnant women as it is flexible and can be done from the comfort of your own home.
Helping students with their studies can be a good way to earn money while pregnant. There are lots of ways to tutor from home, and you can make your own schedule and decide how much or how little you want to work.
Recommended reading: 11 Best Places To Find Online Tutoring Jobs (Make $100+ an hour)
4. Sell printables on Etsy
If you have a knack for design, you can create and sell printables on Etsy. This is a great work-from-home option for pregnant women who are creative and enjoy designing digital products.
Printables are digital products you can download and print at home, like checklists for grocery shopping, planners for your budget, invitations for weddings, printable wall art, and more.
I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you ideas on what to sell online, how to get started, and how to make printable sales.
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
5. Virtual assistant
Virtual assistants give administrative support to clients (like an administrative assistant!), including managing emails, organizing calendars, arranging travel (such as booking hotel stays and rental cars), and scheduling appointments.
With the flexibility to set your work hours, this online job is perfect for pregnant women.
I have been a virtual assistant in the past, and I currently have a virtual assistant. It is a much needed job that just continues to become more and more in demand.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
6. Transcriptionist
In this job, you convert audio files into written text. As a transcriptionist, you can work from home with flexible hours, making it one of the good jobs for pregnant women to work from home because you can work as much or as little as you want.
Transcription jobs are flexible, and you can do them right from home.
As an online transcriptionist, your job is to listen to audio or video recordings and write down exactly what is being said. The aim is to do it without making mistakes in spelling, grammar, or punctuation.
I recommend watching Free Workshop: Is a Career in Transcription Right for You? to learn more.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
7. Answer online surveys
If you are looking for easy jobs while pregnant, then I recommend answering online surveys.
There is no set schedule, and you can do these while watching TV or in bed. No, you won’t get rich (nor will it be a full-time job), but it can give you a little extra spending money.
The survey companies I recommend for extra cash include:
Survey Junkie
Swagbucks
Branded Surveys
PrizeRebel
American Consumer Opinion
User Interviews – These are the highest-paying surveys with the average being around $60. I have personally done one of these, and I was paid $400 for an hour of my time.
Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month
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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
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Branded Surveys is one of the most popular survey sites that rewards you in cash and gift cards for sharing your opinion. You can get paid anywhere from $0.50 to $5.00 per survey.
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American Consumer Opinion allows you to express your opinions on products and services through surveys and product testing. You can earn $1 to $5 per survey taken.
8. Proofreader
If you’re good at noticing small details, you could offer your services as a proofreader or editor for various kinds of content. This means checking and fixing mistakes in writing.
People such as writers and business owners hire proofreaders and editors to make their work better.
I personally have a proofreader, and I know many, many others who have proofreaders as well. It is an in-demand job that you can do while pregnant at home.
If you want to become a proofreader, I recommend joining the free 76-minute workshop – Learn How to Become a Proofreader…and Start a Freelance Proofreading Business.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year)
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
9. Bookkeeper
If you’re good with numbers, you might try selling bookkeeping services online or for small businesses, either as a freelancer or part-time.
Bookkeepers are people who handle financial tasks for businesses and this includes keeping track of sales, managing expenses, and creating financial reports.
Plus, you do not need a bachelor’s degree to get started.
If you want to become a bookkeeper, I recommend watching the free training How To Become A Bookkeeper.
Recommended reading: How To Find Online Bookkeeping Jobs
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
10. Sell Canva templates
A Canva template is a ready-made design that you can sell for things like social media graphics, ebooks, and presentations.
Businesses, advertising professionals, social media influencers, and more buy Canva templates because it’s a helpful starting point if you’re not great at designing from scratch. These templates have blank spaces where you can add your own words and pictures. You can also change colors and fonts to fit your preferences.
They’re really useful for making things look good without spending a long time on it.
And, this is where you can come in.
You can design templates and sell them to others to use.
With Canva templates, you can sell a single design an unlimited amount of times. If you’re looking for something passive, this is a great way to learn how to make money while pregnant.
Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates
11. Data entry clerk
Data entry clerks input, update, and double-check information in lists or tables, typing things like numbers and names to keep everything neat and organized.
On average, data entry jobs pay around $15 to $20 per hour.
All you need is an internet connection and a reliable computer to get started too.
This is a low-stress work-from-home job that is good for pregnant women.
12. Write book reviews
Book reviewers read books and get paid to share their opinions in book reviews. There are websites that pay you (and sometimes give you a free book) to talk about what you think of the books.
Some companies that pay for book reviews include Online Book Club, Kirkus Reviews, and BookBrowse.
So, if you find yourself reading a lot of books while pregnant, this can be a great place to start to make extra money.
Recommended reading: 16 Best Ways To Get Paid To Read Books
13. Graphic designer
If you have design skills, you can make money while pregnant by creating logos, website designs, brochures, business cards, marketing materials, and more for clients as an independent contractor.
This is a job that you can do as a freelancer, which means you can make your own schedule and work as much or as little as you would like.
Recommended reading: How To Make Money As A Digital Designer
14. Social media manager
Social media managers and online community managers take care of a business’s social media accounts and online communities (such as forums) with the goal of bringing in new customers and helping the business grow.
They may post pictures or videos to highlight products or the company, and they might join in on popular social media trends, like on TikTok, to get more people to see them.
Social media managers also answer common questions that customers ask, such as on Twitter, in an Instagram Story, or in a TikTok video.
15. Search engine evaluator
A search engine evaluator, also called a Google Rater, is someone who gives ratings to websites based on how good and helpful they are.
This online typing job is perfect for beginners because you don’t need any experience to begin, and you don’t have to be an expert because Google prefers regular people to rate their sites.
Learn more at How To Become a Search Engine Evaluator.
16. Flea market flipper
A flipper buys items from places such as garage sales, Facebook Marketplace, or thrift stores and resells them online for a profit.
For example, you may sell clothing, appliances, household goods, and more as a flipper.
You may be able to earn extra money by flipping items for resale or possibly earn a full-time income!
A helpful free training that I recommend is Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
Frequently Asked Questions
Below are answers to common questions about finding a job while pregnant.
Should I say I’m pregnant at a job interview? What are the rights of pregnant employees?
Legally, most employers cannot discriminate against you based on pregnancy, childbirth, or related medical conditions, as established in the Pregnancy Discrimination Act. However, you might wonder if you should disclose your pregnancy during an interview. Ultimately, it’s your decision. If you believe the job is a good fit for you and your pregnancy, you can choose to discuss it after receiving a job offer to determine the necessary accommodations.
It’s usually within your rights to only disclose your pregnancy when you feel comfortable doing so. You should prioritize your health and the needs of you and your child, and focus on finding a job that supports your situation.
What job should I get while pregnant?
When looking for a job while pregnant, you may want to look for jobs that are not physically demanding and have a flexible work schedule. Some job options for pregnant women include becoming a virtual assistant, freelance writer, or proofreader.
What are suitable jobs for women with high-risk pregnancies?
For women with high-risk pregnancies, it’s important to choose jobs that don’t have exposure to harmful chemicals or require heavy lifting. Remote jobs such as online tutoring, social media management, or bookkeeping are ideal in this situation, but you should always ask your doctor to see which jobs are best for your specific situation.
How can a pregnant woman earn money from home? What are the best remote jobs for pregnant moms?
I think working from home is the best possible job idea for pregnant women, and it’s exactly what I did while pregnant! Pregnant women can earn money from home by taking on remote work or freelancing positions. Some options include proofreading, virtual assistance, freelance writing, bookkeeping, and online tutoring.
Are there jobs available for women in their third trimester of pregnancy?
Yes, there are jobs for women in their third trimester of pregnancy. Remote jobs or freelancing in fields like writing, proofreading, or bookkeeping can be suitable during the third trimester, along with many others!
Can you start a job at 7 months pregnant?
The Pregnancy Discrimination Act of 1978 says that companies with 15 or more employees can’t make job decisions based on pregnancy or childbirth. As long as you can do the job, a company cannot refuse to hire you just because you’re pregnant. So, if you are 7 months pregnant and need a job, you can get one.
What jobs can you not do while pregnant?
Jobs that you may want to avoid while pregnant include those that involve exposure to toxic chemicals or heavy lifting. Also, some roles with high stress or long hours may not be suitable for some pregnant women. I highly recommend talking with your doctor about which jobs are safe for you during your pregnancy if you have questions.
Can I use FMLA while pregnant?
The Family and Medical Leave Act (FMLA) allows qualified employees to take up to 12 weeks off from work without pay for certain family and health reasons, like being pregnant.
Is it OK to not work while pregnant?
Yes, it is okay not to work while you are pregnant. If you can afford it, then saving money ahead of time can be very helpful.
Best Jobs for Pregnant Women – Summary
I hope you enjoyed this article on the best jobs for pregnant women.
Whether you are looking for permanent or temporary jobs while pregnant, you have many options.
If you are wondering what is the best job for a pregnant woman, then the list above is a great place to start. Everyone is different, and everyone’s pregnancies are different – so, you will want to think about what you are comfortable doing as well as what you can physically and mentally handle.
For me, I was so nauseous and sick for the first several months that it was too hard for me to do pretty much anything. Working online was all that I could handle, and even then, that was difficult.
So, do not feel bad if you are not able to handle much. Pregnancy is hard! You are growing a baby and that takes a lot out of a person.
I hope you are able to find the best job for you.
What do you think are the best jobs for pregnant women?
Recommended reading: How To Take Maternity Leave When Self-Employed
In our latest real estate tech entrepreneur interview, we’re speaking with Daniel Shaked from Home365.
Without further ado…
Who are you and what do you do?
I am the CEO and Founder of Home365. We are a new breed of property management companies which leverages quite a bit of technology and artificial intelligence to make the entire process of owning real estate much more profitable, predictable and hassle free. First, we conveniently bundle a multitude of services for a one-rate fee, including management fees, repairs, maintenance, tenant placement and rent loss due to vacancies. To generate this fee, we look at the various data points of the home including the age, location, renovations, appliances, etc. But we also use this data and a series of sensors throughout the home to monitor systems so that we can predict any major issues and be proactive with maintenance. This saves landlords up to 50-percent in maintenances costs traditionally paid.
What problem does your product/service solve?
What we are really doing is offering refined communication between all the parties involved and improving customer service. Tenants, landlords and service providers communicate through Home365’s own app, which uses intuitive technology to report maintenance issues schedule repair visits and track the process from beginning to end. Tenants also have the ability to send video of the problem directly to the service provider. After scheduling an appointment, the tenants can track the movement of the maintenance worker through a map feature to save time and frustration. All fees are covered by Home365 without any additional cost to the property owner.
What are you most excited about right now?
I am most excited about our recent launch into the Las Vegas market which has a large number of property owners. We acquired Pangea Realty & Property Management, a Las Vegas company that currently owns over 300 single-family homes in Southern Nevada to begin our service.
What’s next for you?
My next step is to acquire more properties to use our service. My company is actively looking at deals in Florida, Texas and California.
What’s a cause you’re passionate about and why?
I’m really big on working with young entrepreneurs to get their ideas and businesses off the ground. I think it’s important to support the next generation pursuing new ideas. Most new businesses don’t make it, so it’s important for me to help them keep moving forward until they find the one that does. The momentum we have right now to help those ideas move to next steps is incredible.
Thanks to Daniel for sharing his story. If you’d like to connect, find him on LinkedIn here.
We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).
40 Northwestern Mutual Wealth Management Teams Rank Among Nation’s Best in New Forbes Listing MILWAUKEE, Jan. 9, 2024 /PRNewswire/ — Northwestern Mutual today announced that 40 of the company’s advisory practices from across the country have earned a spot on Forbes‘ highly coveted Best-in-State lists of Top Wealth Management Teams for 2024. This accolade showcases … [Read more…]
In our latest real estate tech entrepreneur interview, we’re speaking with Frank Barletta from UpTop.
Without further ado…
Who are you and what do you do?
I am the CEO and Co-Founder of UpTop, the first free end-to-end rental platform. We combine a rental listing search tool and a full property management software to streamline the way renters and landlords, owners and property managers work together for the entirety of the renting lifecycle.
I started UpTop after moving ten times in eight years and thought that there had to be a better way to fix the issues through the use of technology. My primary day-to-day responsibilities include leading sales, operations, and most importantly empowering my team to be successful and reach their goals.
Before starting UpTop, I gained extensive experience in the technology space, working for several firms heading their technology operations within the consulting, finance, media, and e-commerce spaces.
What problem does your product/service solve?
The rental process is broken. Prospective tenants have to search through websites, get trapped by fake listings, sending social security numbers over email, and deliver personal documents to landlords and owners. Today I can book a flight and rent a car on my phone, why can I not complete these tasks for renting?
After talking with property owners and managers, it was clear that software for the rental industry is expensive and requires system integrations, leading to operational issues and increased costs. Therefore, we created a one-stop shop where owners and managers can lease and operate their businesses efficiently from listing syndication to accounting reporting and everything in between. We do not charge owners or property managers to use the platform, which has enabled us to provide rental tech tools to owners and property managers of all sizes.
What are you most excited about right now?
I am most excited about the innovation that our team is producing and how we will be able to enhance the industry through technology by delivering actionable insights.
What’s next for you?
The next step for me would be to continue to help UpTop continuously grow and support my hardworking team in our expansion.
What’s a cause you’re passionate about and why?
I love the ocean. The work we do at UpTop is sustainable for the environment because of all the paper we are saving; however, there is more work to be done to save the ocean. Every day more and more beaches are being littered with plastic, and there is so much more we can do to help.
Thanks to Frank for sharing his story. If you’d like to connect, find him on LinkedIn here.
We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).
Investing in real estate is some of the oldest and most reliable financial advice in the books. Few other assets can compete with real estate’s vast array of benefits. These benefits include tax advantages, appreciation, relative impunity to market shifts, and even the potential for passive income.
But even if you have every intention of investing in real estate, it can be challenging to get started. After all, even a modest home usually requires a substantial down payment. And it can take years to save up those five-figure sums. The term “real estate investor” may bring to mind a multi-millionaire who manages several properties, leaving you feeling overwhelmed enough to give up the ghost entirely.
Fortunately, it is possible to invest in real estate with little or no money, even if you aren’t swimming in discretionary income. For instance, with an Opportunity Fund or REIT (Real Estate Investment Trust) you can get your foot in the door even if you can’t afford to purchase an entire property. There are also a host of ways to leverage your own home. These include house hacking, renting vacation space on Airbnb, and more.
In this post, we’ll break down everything you need to know about how to invest in real estate. We’ll go over some of the most common types of real estate investing. We’ll also break down how they can help you make money. And we’ll explain how you can begin, no matter how much capital you have in hand.
Why Invest in Real Estate?
Before we dig into the meat of the post, let’s take a moment to backtrack. Why is real estate investing such a well-worn piece of financial advice?
You’ve probably heard that diversifying your portfolio of real estate investments is essential. But your “portfolio” doesn’t just have to live on the stock market! Real estate investing gives you, as the name suggests, a real, tangible asset. And it’s much less vulnerable to the capriciousness of the market.
Real estate investing can help you not only build home equity but also generate passive cash flow. Both through the process of appreciation and the more intentional, hands-on approaches we’ll study further below. And owning your own home can help you reap financial benefits while simultaneously providing for one of your most basic needs.
How to Invest in Real Estate with Little Money
When a down payment might cost as much as $60,000, it’s understandable that many first-time property shoppers feel overwhelmed. They say you have to spend money to make money. Yes, but that’s quite a hefty figure for the average American earner.
To be sure, some real estate investment strategies require a good deal of cash upfront to be workable. But there are other tactics that don’t necessitate such a large lump sum to begin with. This means you don’t have to be a real estate mogul to be a property owner. We’ll break down various strategies at both ends of the spectrum below.
Types of Real Estate Investing
Let’s get into the nitty-gritty. What types of real estate can you invest in?
There are three main types of investment properties available to real estate investors.
Residential properties are probably the ones you’re most familiar with. They are exactly what they sound like: buildings used by individuals and families as residential living spaces. These properties include single-family homes, duplexes, apartments, condominiums, and townhouses, and multi-family homes (so long as they’re being used residentially and don’t exceed four units).
Commercial real estate are properties used to conduct business. They may include offices, storefronts, retail spaces, farmland, and large multi-family houses or apartment buildings.
Industrial real estate are properties that serve industrial business purposes, such as factories, power plants, or storage and shipping warehouses.
Furthermore, there are both active and passive forms of real estate investing.
Active investing is, well, active. It requires a good deal of time, energy, and commitment from the investor. Active investing may become a part- or even full-time job for the investor. They usually share ownership with few (or no) other people and thus bears a lot of responsibility for the success of the investment.
Passive investing, on the other hand, allows the investor to reap the benefits of investing without taking on the pressure and responsibility of full ownership of a tangible property. In most cases, passive investing involves supplying capital to a larger investment pool. You earn capital gains on loan interest through dividends paid to shareholders.
We’ll go into it all of this in more detail, including specific ways you can invest in real estate, both active and passive.
How Real Estate Investing Can Help You Earn
Before we break down the specific ways you can get started investing in real estate, let’s talk about how it can help you make money. (After all, that’s the whole point!)
You can invest in real estate in several ways, depending on what type of investing you’re participating in.
Equity and appreciation
Purchasing real estate equips the owner with a “hard asset”; the tangible property or building. Owning this kind of asset confers equity, or value. It isn’t as vulnerable to the fluctuations of the market as stocks, bonds, and other securities. Furthermore, property has a longstanding history of increasing in value over time, or appreciating.
On the contrary, other types of purchases (like automobiles) depreciate, or lose value. Thus, purchasing a property may allow you to earn income passively simply through the process of appreciation. It more or less ensures that the cash value of your home is a safe and stable part of your overall net worth.
Rental income
Chances are, you’ve had to pay rent to a landlord at some point in your life. Well, if you become the landlord, someone’s paying you the rent. And as long as that rental price eclipses your total expenses, including your mortgage and maintenance costs, the rest is profit!
Aside from managing the investment property, you can also collect rental income by sharing your space on platforms like Airbnb or house hacking, which we’ll explain below.
Sale profit
This happens when you buy a home with the intention to fix it up and sell it down the line (also known as “house flipping”.) It’s the difference between your sale cost and your purchase cost (minus all the expenses put into maintenance and improvements) is pure profit.
Loan interest
The interest charged on home and property loans can increase the value of real estate investments made through REITs, investment platforms, and private equity firms.
Ways to Invest in Real Estate
Now we know a bit about the different types of properties available to investors and how those real estate investments stand to help you earn cash.
So, what are the specific ways to go about real estate investing? There are several in both the “active” and “passive” categories.
Active:
House flipping, or rehabbing, is when an investor purchases a property with the sole intent of fixing it up to sell it later on.
Wholesaling is similar to flipping houses, but less work intensive. Wholesaling occurs when an investor purchases a property they believe is underpriced, so they can quickly sell it to another investor at a profit.
Rental properties give investors a long-term way to draw profit from their investments, though they do require lots of hands-on management and maintenance over time.
Airbnb, Vrbo, and other vacation rentals can often be listed for substantial per-night prices. They can be especially lucrative in high-demand travel destinations.
Passive:
Private equity funds pool the assets of many investors, which creates a larger, more powerful investment fund. These funds are usually overseen and allocated by a dedicated manager. They may have high minimum investment thresholds and requirements to join.
Opportunity funds also pool investors’ assets, but with the specific purpose of making investments in qualified Opportunity Zones. These are low-income, up-and-coming communities that would benefit from private investments and economic development.
REITs are companies that invest in commercial properties. Private investors can purchase shares of the company and earn income on capital gains in the form of dividends.
Online REIT platforms can make real estate investing accessible to beginning investors, often carrying no net worth or accreditation restrictions. They may allow you to invest in specific properties or in pre-built, diversified portfolios of real estate.
We’re going to break down these different investment options in even more detail below. But first, let’s start a bit closer to home—literally.
Starting with Your Own Home
One of the most straightforward ways to invest in real estate is probably already on your financial to-do list, anyway: purchasing your own home.
Purchasing a home of your own allows you to kill two birds with one stone. You’re taking care of the basic need of shelter, while also leveraging the purchase to reap a host of financial benefits.
Here are just a few ways that owning a home can help you save and earn money.
Build equity: As discussed above, property ownership confers relatively immutable equity to the purchaser—that is, your home is a fairly safe, tangible asset to add to your overall investment portfolio.
Receive tax benefits: Certain homeowners’ expenses, including real estate taxes and home mortgage interest, are tax-deductible. And if you sell your home, you may exclude up to $250,000 of capital gains (or $500,000 if filing jointly) from your taxes.
Take advantage of appreciation: Even accounting for the 2008 crisis, the cost of homes and other properties have steadily increased over time for the past 50 years. So, the home you purchase today will likely be worth more than the price you paid for it in the future.
Stop paying rent: Although you’ll likely still have a mortgage payment and other expenses to cover as a homeowner, you won’t be paying rent to live in another person’s property. It’s a cost that is essentially entirely wasted, since you aren’t building home equity in the rental property.
Keep the value of your home improvements: When you own a home of your own, any improvements you make will add to the property’s total value, beefing up your asset as well as beautifying your living space.
House Hacking
Another way to make money by purchasing your own home is known as “house hacking“. It’s a real estate investment strategy wherein you leverage rental income from your primary residence to live there cost-free.
The term was originally coined by entrepreneur and author Brandon Turner, who wrote “The Book on Investing in Real Estate with No (and Low) Money Down” and “The Book on Rental Property Investing.”
House hacking may be done, for example, by purchasing a duplex. The investor rents out one unit at a price that covers the mortgage cost while living in the second unit. Some homeowners have also used space-share platforms like Airbnb to offset their housing costs in the same manner.
Real estate investors can use this strategy to pay off the property and even create a profit margin. This will eventually allow them to invest in more rental properties. Thus, house hacking is a great way to combine the personal financial benefits of homeownership with the long-term earning potential of other types of property investment.
Buying a Home Without a Huge Down Payment
Given the recent trends in the housing market, you may feel daunted by the prospect of becoming a homeowner. In 2023, the U.S. housing market experienced significant challenges, with home prices rising to near-record highs.
But there are many incentives and programs designed to make this large investment more feasible for first-time home buyers.
FHA (Federal Housing Administration) Loans may allow borrowers to purchase a home with a down payment as small as 3.5% of the purchase price and with credit scores as low as 580. (You may also be approved for an FHA loan with a lower credit score, but your minimum down payment may be higher.)
The USDA also offers low-cost loans to low- and moderate-income households purchasing homes in qualified rural areas.
Down Payment Assistance Programs offered by local governments and private firms can provide grants, loans, and educational materials to prospective home buyers
Many other financial institutions and organizations also have special incentives for those purchasing their first homes or low-income families in the housing market. Make sure you check with your local housing authority to learn more about what’s available in your area.
Active Investment Opportunities
Want to get hands-on? Here are the details on some of the most popular and accessible active real estate investment opportunities.
House Flipping
If you’ve ever watched more than thirty minutes of HGTV, chances are you’re at least passingly familiar with the idea of flipping houses. It’s basically where you purchase a home with the express intent of fixing it up and selling it (at a higher cost) later.
House flipping is a great way for investors to earn a significant profit. However, they do need to know how to complete the flip successfully without incurring too many costs. Expenses can quickly eat into the investment’s return.
Finding a Home to Flip
House flippers have to be able to recognize a home that may be slightly undervalued but would be able to sell well given the proper upgrades. This involves both an understanding of the area’s desirability and the types of improvements that generate increased home value.
House flippers are responsible for the entire cost of the home purchase. They must also pay for all the upgrades, which they may either do themselves or hire out to professionals.
Either way, flipping houses incurs a hefty up-front cost, and it does come at a risk. Even after you make all the improvements, it’s possible that the house will languish on the market.
This can mean racking up maintenance, taxes, and other expenses for the real estate investor. However, a properly executed, short-term flip can create a substantial profit margin in a relatively small period of time.
Wholesaling
Like house flippers, wholesalers purchase homes with the intent of selling them quickly. But, they aren’t planning to do any heavy lifting along the way.
Instead, wholesalers find properties that are undervalued for their market. They scoop them up and resell them to other investors at a price closer to their true value. Thus, earning the difference as a profit.
Rental Properties
While managing rental properties may seem like a straightforward and reliable way to earn income, it’s one of the most work-intensive approaches on this list. It does require enough up-front capital to purchase the property (or properties) in the first place. However, landlords do stand to see substantial and steady returns in exchange for the work and effort they put into their properties.
After purchasing a viable property, which needs to be well-maintained, in a desirable location, and well-advertised, landlords are responsible for filling that property with qualified tenants. This can involve a time-consuming and labor-intensive screening process.
After all, as a landlord, you’re giving your renters the keys to your investment—literally! It can be a very risky move if you don’t take the time to ensure your tenants are well-qualified.
Finding & Qualifying Tenants
Along with running a standard background check, landlords may also conduct interviews with and request credit reports from prospective renters, all of which takes time. And don’t forget: every month your rental property is unfilled is a waste of potential income.
Once you do find qualified tenants, you’ll be responsible for a host of obligations unless you hire a property management company. You’ll need to provide maintenance and repairs. You’ll also need to stay on top of rent collection and record-keeping. It can quickly become unwieldy once you have several properties.
You’ll also need to be sure you’re in compliance with all the renters’ rights that exist in your jurisdiction, including laws that regulate the eviction process. Of course, you’ll need to put in the work to find good renters and a well-maintained property in the first place. When done so, managing rentals can provide a smooth and steady source of income for relatively little active work.
Seller Financing
Want to buy an investment property with no money down? Look into seller financing or a land contract. This is where the seller acts as the bank. You make your mortgage payments, including interest, to the seller.
After a few years or so, you will have enough equity in the home to get a bank loan. You can then make a lump sum payment to the seller.
Private & Hard Money Lenders
Private money lenders generally charge between 6% to 12% on the money borrowed. Hard money lenders usually charge 10% to 18%. Hard money loans are not from banks. They are from individuals or businesses aimed at financing real estate investments for a return on their money.
Hard money loans are used by investors who don’t qualify for conventional financing. They are typically used to fund renovations. Once the house is finished or has some equity in it, the borrower then refinances to a conventional mortgage with a lower interest rate.
Airbnb, Vacation Rentals, and Space Sharing
Managing a traditional property, wherein renters sign a multi-month lease, is not the only way to make money from an investment property. Platforms like Airbnb have revolutionized the real estate market. They allow homeowners (and sometimes even renters) to make money by renting out their space on a temporary, per-night basis as a vacation rental.
What’s more, you don’t necessarily have to rent out an entire home or unit to participate. A private room, or even a couch in a shared living room, is acceptable for some travelers using these services.
Airbnb and other vacation rental platforms make it simple for a novice renter. You don’t need to have a huge amount of know-how to start earning money this way. In fact, you don’t even necessarily have to “invest” in any property at all. Some landlords may allow their renters to list their housing on Airbnb as a sublet.
Airbnb Laws
However, as this new form of investment property has expanded, it’s created housing crunches in some cities. It’s resulting in “Airbnb laws,” or short-term rental legislation. These laws may limit your ability to use your housing in this way.
Always check your local regulations before you list your space on Airbnb or another of these types of platforms. If you don’t own the space, ensure that short-term sublets are allowed. Check your lease or ask your landlord directly.
Real Estate Investing Groups and Passive Investing
You may have noticed that many of the active real estate investment opportunities listed above do require substantial upfront capital to get started. You can’t wholesale or flip a house if you can’t purchase the house in the first place!
Furthermore, these active strategies generally involve a high level of skill, effort, and responsibility. It may not be feasible for those committed to other full-time careers.
Fortunately, there are still other ways to get involved with real estate investing, even if you don’t want to own or manage tangible property. (Or if doing so is out of financial reach for you right now). These passive investment tactics can help you glean the benefits of real estate investing without taking on quite as much of a fiscal and physical burden.
Private Equity Funds
A private equity, or PE fund, pools contributions from various investors to make larger investments. They’re often limited liability partnerships. That means there are fixed periods during which investors do not have access to their holdings.
Instead, PE funds allow investors to earn gains on debt and equity assets passively, without putting in much active work or research. Asset allocation and investments are managed by a dedicated individual or group. They earn money through annual fees as well as profit sharing.
PE funds come in various types, including the following:
Core equity funds generally invest in established commercial properties. They don’t carry risks like needing major improvements or experiencing losses for lack of consumer demand. The core strategy is simultaneously the least risky among PE funds and, typically, the least gainful.
Core plus equity funds generally follow the core strategy, but take a few more risks on properties that may require minor upgrades. This leads to a higher risk-return ratio on average.
Value added equity funds may invest in commercial properties that require substantial upgrades or new management to operate at their full potential. They may also seek to sell the property after improvements are made to create an additional profit margin.
Opportunistic equity funds offer the highest potential rewards, along with the highest risk. Investment properties purchased via these funds may need new construction or even land acquisitions. The payoff of such a new business venture is all but guaranteed. Furthermore, these developments take time, which means your investment capital may be tied up for longer. However, when they pay off, opportunistic equity funds see some of the best returns of the bunch.
Although PE funds are powerful real estate investment engines, they do often have high minimum investment requirements, generally not less than $100,000. Some funds may also be limited to accredited or institutional investors who can demonstrate available means.
Opportunity Funds
Opportunity funds operate on a similar model to private equity funds but are specifically used to make investments in qualified Opportunity Zones. These are economically distressed areas designated by the state and certified by the Secretary of the U.S. Treasury. Opportunity funds are legally required to invest 90% of their assets into properties in these Opportunity Zones.
Because these areas tend to be up-and-coming (and because tax benefits can incentivize investors to support them), opportunity funds often see substantial capital gains for their investors. And taxes incurred on those gains can be deferred until December 26, 2026.
That means the longer the investment is held before that date, the lower your overall tax liability will be. And opportunity fund investments held for at least ten years prior can expect their capital returns to be permanently excluded from capital gains taxes.
Of course, this strategy requires parting with your investment capital for a significant period of time. It’s best for those who can afford to put down the money to play the long game. If you can, however, investing in one is a great way to see substantial returns for almost zero effort.
Real Estate Investment Trusts (REITs)
A real estate investment trust(REIT) is a company that invests in commercial properties. As an investor, you purchase shares of this company just as you would any other. You earn income through its debt and equity assets in the form of shareholder dividends.
REITs operate similarly to mutual funds. They provide an excellent way for the average earner to experience the benefits of real estate investing. You don’t have to have a huge amount of capital to get started, as minimum investment requirements may be quite low.
However, they may carry high investment fees, especially in the case of private REITs (i.e., those not publicly traded on the stock market). Fees at these companies may run as high as 15%. REITs may also be illiquid and keep your money locked up for longer periods of time.
Online Real Estate Investment Platforms
In this digital, all-sharing-all-the-time age, most of us have already heard of crowdfunding. Real estate investments are no exception to the rules of the new millennium.
Online real estate investment platforms have begun springing up. They can make real estate gains achievable for average investors who may not have the towering net worth or accreditation status necessary to buy into more formal funds. Depending on the specific company, you might be able to choose specific investment properties to fund or buy into a diversified portfolio of investments.
Fees and minimum investment requirements are relatively low on real estate crowdfunding platforms. For instance, Fundrise lets you get started with just $500. That is much less than you’d have to pay to get in on most types of active investments! Check out our full review of Fundrise here.
Ready to Get Started Investing in Real Estate?
As you can see, there are several ways to start investing without saving up a five- or six-figure sum. And if you do it right, your investments can actually help you reach those high savings goals. You can then fund other types of investment projects!
However, as with any financial objective, planning and strategizing is key. Saving up as much capital as possible will help you get the best return on your investment once you’re ready.
You can’t allocate your assets without first keeping track of them, and to achieve that, you need to create a budget. If you’re in debt, aggressively paying it off will free you of a weighty financial anchor, so check out these powerful debt relief options.
Finally, if you intend to purchase property either to live in or as an investment opportunity, your credit score matters. It’s as simple as that. If your credit score isn’t quite where you want it to be, take these steps to raise it. Doing so will allow you to get the best interest rate once you’re ready to make the big purchase.
Do you want to learn how to make money in one hour? Whether it’s for an unexpected bill or you’re saving for a special purchase, the good news is that there are many real ways you can make money within an hour or less. These can be ways to make extra income or even possibly…
Do you want to learn how to make money in one hour?
Whether it’s for an unexpected bill or you’re saving for a special purchase, the good news is that there are many real ways you can make money within an hour or less.
These can be ways to make extra income or even possibly be turned into a full-time job.
Back when I had student loans, I found many different ways to make money in an hour. I did this because I wanted to squeeze in quick side hustles around my full-time job – such as before and after work and during my lunch break. There were also times when I needed money quickly, such as in less than an hour, and I had to find ways to make that happen to have cash on hand.
There may be other reasons for why you need to make money in an hour or less. If this is you, continue reading below to learn how to make money in 60 minutes or less!
Key Takeaways
If you have unwanted items (like clothes you don’t wear anymore), sell them. You can use apps or go to a thrift store, and they might give you cash right on the spot.
You could sell helpful services like tutoring or dog walking. These jobs pay you right away for the time you spend doing them.
You can make money fast by taking online surveys. Websites like Survey Junkie or Swagbucks pay you for sharing your opinions.
Recommended reading: How To Make $100 A Day
Best Ways to Make Money in One Hour
Whether you only have one hour to spare each day or if you need to make money in literally one hour from now, you do have some options.
Make money in one hour by selling items you don’t need
Got stuff at home you don’t use anymore? You can turn those things into cash, often in just an hour!
Here are some easy ways you can do this.
Clothes and jewelry – Look in your closet. Are there clothes that are no longer worn? Take them to a thrift store or a consignment store like Once Upon A Child. They buy your gently-used clothes and you leave with cash in your hand!
Toys and games – If you have toys or video games that just sit around, you can sell these too. Kids outgrow these fast, and you can find a new home for them where they’ll be loved again.
Unused gift cards – If you have gift cards that you haven’t used, you can sell them!
Other stuff – Electronics, books, or maybe some old furniture could also be sold.
You can sell items on platforms like Decluttr, Facebook Marketplace, Craigslist, and eBay. I have sold on all these (plus a lot more!), and they are all easy to use.
You could even have a garage sale if you have lots of items to get rid of.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
Mow lawns or shovel snow
Making money in one hour can be done if you mow lawns or shovel snow. These jobs can be done quickly, and you get paid right after you finish the work.
You’ll need a lawn mower, shovel, and/or snow blower to get started, and you can typically charge around $50+ for a yard.
Doing a good job increases the chances of people asking you to return or recommending you to their friends. Take your time to do things well. Before starting any work, make sure to ask how much they’re willing to spend because this way, both of you agree on the price!
Return a recent purchase
If you bought something you don’t need or haven’t used yet, returning it is a quick way to get cash.
Surprisingly, many people have items lying around that they’ve purchased but may have not used yet. If you really need the cash, then this can be a great option to start with.
First, find your receipt. This shows you paid for the item and when you bought it. No receipt? Look in your email or bags. Sometimes, stores send receipts to your email or put them in your shopping bag.
Next, check the store’s return policy. Some stores let you return items within a certain time, like 30 or 60 days. Be quick – if you wait too long, you can’t return it!
Before you go to the store, make sure the item is in good shape. It should look like when you bought it. Return it in its original packaging if you can. Here’s a list of what you’ll need to return a purchase:
Your receipt (or email proof)
The item (unused and not broken)
Packaging (the box or bag it came in)
At the store, go to the customer service desk and tell them you want to return the item. Be polite – it makes things smoother. If you don’t want to go to the store, some stores might let you mail the item back.
Remember, some items can’t be returned. Things like opened DVDs or personal use items like earbuds usually can’t go back to the store. It’s always a good idea to know the return rules before you buy things.
Deliver food to make money in one hour
If you want to make money fast and take advantage of the gig economy, you can deliver food, such as groceries or restaurant meals. Companies like Instacart, Uber Eats, and DoorDash let you sign up to be a delivery driver.
To get started, you’ll need a car, bike, or scooter and sign up for the company that you want to work with. You’ll then get orders on your phone through an app, go to the restaurant or grocery store, pick up the food, and drive it to the customer’s place (this may be their home or where they work).
You’ll get paid for each person or food delivery, plus get tips as well.
You get to choose the hours that you want to work, and you can work for just one hour or as much as you want.
Related to this, you can even deliver packages for retailers with Amazon Flex!
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Instacart is a popular website for people looking to earn extra money shopping for and delivering groceries. Instacart gives you the option to turn your free time into a chance to make some extra money.
Drive for rideshare companies
If you want to make money quickly, you might start driving for companies like Uber or Lyft.
You get paid for giving people rides in your car, and the more you drive, the more money you can make.
Drivers can earn about $20 per hour on average. In some cities, drivers can make more than $30 an hour.
You can increase your earnings further by concentrating on busy areas (such as before and after a concert) and driving during the busiest times (such as on a Saturday night). This way, you can make more money for each hour of your time!
Recommended reading: How To Make $1,000 In 24 Hours
Answer online surveys
If you want to make money quickly, you can try taking paid online surveys. Market research companies need your opinions to make their products better, so they pay you for your time.
Some paid survey sites where you can take surveys include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Here’s what to do:
Sign up: Make a free account on the survey site.
Pick a survey: Choose one that looks interesting to you.
Give honest answers: Share what you really think about the questions you’re asked.
Earn rewards: After you finish, the site will give you points or money.
Earning money from answering surveys is not always fast, and it won’t make you rich. But if you have an hour, it’s a simple way to earn a little extra cash.
For me, I have answered a lot of surveys over the years. I like how I can answer surveys in little breaks I have during the day, such as before and after work, during a lunch break, while being a passenger in a car, and so on. They are easy to answer, and usually only take a few minutes.
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Branded Surveys is one of the most popular survey sites that rewards you in cash and gift cards for sharing your opinion. You can get paid anywhere from $0.50 to $5.00 per survey.
Perform odd jobs found on Craigslist
Craigslist has a jobs section on their site where you can find tasks that people need done right away. These are typically one-time gigs, but there are also part-time and full-time jobs listed here as well.
When you do a job on Craigslist, you usually get paid right after you complete the short task. That means you’ll receive your money on the same day.
To find Craigslist gigs in your town, just go to Craigslist and look for the “gigs” section.
Here are some gigs and tasks I found through a quick search on Craigslist:
House cleaner
Mover
Focus groups
Help with launching a boat
Gardening help
Help with painting a home
Lawn mowing
Participate in focus groups
Are you looking for a quick way to make money? Joining focus groups can be a fun way for you to earn extra cash and many times they take an hour or less.
A focus group is a small group of people who talk about products or services. Companies use your opinions to make their stuff better by learning more about their customers, such as you.
User Interviews is a popular site to find focus groups to take part in.
I have done a user interview in the past and got paid $400 for just one hour of work. It was simple, and everything happened online through a video call to see my opinion on a new feature for a well-known company (one of the largest companies in the world, in fact – so even large companies use these to help them improve!).
You can make $50 to $100 per hour, or even more, by sharing your thoughts and feedback.
Recommended reading: 19 Best Places To Find Paid Research Studies
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User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
Mystery shopping
If you want to earn money quickly, like in just an hour, you can try becoming a mystery shopper. Mystery shoppers are people just like you and me who get paid to shop and give their opinion.
I’ve done a lot of mystery shopping over the years to make some extra money and to get free stuff. It’s easy work that can be done either on the phone (such as by rating their customer service when they answer the phone) or in person at a store. Most mystery shops take less than an hour too! I’ve done many that even take less than 5 minutes to complete.
The way mystery shopping works is that you’ll typically buy products or try services, pay attention to the details like how clean the store is or if the staff is nice, and then answer questions that the mystery shopping company gives you after you are done.
Donate plasma
If you’re looking for ways to make money in one hour, you can donate plasma and get paid for it.
When you go to donate, the center will check your blood to make sure you’re healthy and that your plasma can be used to help others.
Here’s what you might earn for your plasma donation:
$20 to $50 for each time you donate
Up to $300 a month if you donate regularly
Some centers might pay more money for your first time donating, like a bonus to persuade you to start. The amount you get can change depending on where you live, so make sure to confirm before you commit.
Tutor students online
If you want to learn how to make money in one hour online, then online tutoring jobs can be a good option to look into.
If you’re good at a subject, you can make money fast by tutoring students online. Lots of students need help with their schoolwork and are willing to pay for your knowledge.
As a tutor, you might spend 30 minutes to an hour giving a lesson, answering questions online, or working one-on-one with a student through a video lesson.
Tutors can earn different amounts depending on what they teach (the subject) and the duration of the session (whether it’s a quick question or a full-hour session). For example, tutoring in advanced subjects like calculus usually pays more than simpler ones like first-grade math. Some tutors may earn around $20 per hour, while others can make well over $100 per hour.
Sell scrap metal
Selling scrap metal or precious metals is a quick way to make some money in just one hour.
To get started, you’ll want to find metal items from around your home. This can be old appliances, wires, and even soda cans.
Then, you’ll want to find a scrap yard nearby to take your metals. You’ll want to make sure it’s clean and to keep your metals separated and organized.
Once you get to the scrap yard, you’ll weigh your metal on their scales, and then they’ll give you a price. If it’s your first time, ask how the process works just so that you are not confused by anything.
Prices change often, so what you earn depends on the type and weight of the metal you sell.
Play online games for rewards
Have you ever thought you could make money by playing games on your phone or computer? Yes, you can! Some apps and websites let you earn rewards, like gift cards or even cash, just for playing online games in your spare time.
Apps that pay you for playing games usually make their money through ads, things you buy in the app, and paid gaming competitions. They share a bit of what they earn with you to get you to keep playing their games and spend more time on their platform.
Here’s a quick list of the top game platforms that pay real cash:
KashKick
Swagbucks
InboxDollars
Recommended reading: 23 Best Game Apps To Win Real Money
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Swagbucks is a site where you can earn points for answering surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
Walk dogs
If you like being around pets and want to make money fast, dog walking is a great choice. Many dog walking gigs are one hour or less per visit, so this can be a great way to make money in an hour.
To start, you just need a love for dogs and a good pair of walking shoes.
You can set your rates, usually between $10 to $20 for a 30-minute walk.
One hour of walking dogs could mean walking one dog for 60 minutes or doing two 30-minute walks for two different dogs.
Rover is a website that connects pet owners with pet sitters and dog walkers. Starting on Rover is simple. You create a profile where you talk about your experience with pets and the services you can offer, such as dog walking, pet sitting, and house sitting. After setting up your profile, you’ll get requests from customers and discuss pricing. Rover handles payment processing, and you’ll receive the payments directly into your account.
I know many people who are dog walkers, and they all really love the job. I have also used dog sitters in the past – it is a wonderful and super helpful service.
Freelance online on your own schedule
As a freelancer, you get to choose your own hours. So, you may decide to work an hour here and an hour there.
Back when I had a full-time job, this is what I loved about being able to freelance online – I could work in my spare time, even if it was just small pockets of time that I had. For example, I would complete short tasks an hour before I went to work, during my hour lunch break, and later once I got home from work.
And, there are many different types of freelance gigs that you can do, such as managing social media as a virtual assistant, data entry, proofreading, graphic design, email management, and more.
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
Sign up for a high yield savings account
A high-yield bank account is a low-risk method to make extra money, and it typically takes less than an hour of your time to set up.
These savings accounts earn more interest than a regular one, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high-yield savings accounts often so that they can get the highest interest rates.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.50% (at the time of this writing through a referral link bonus). According to this high-yield savings account calculator, if you have $10,000 saved, you could earn $550 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
This is an easy way to make passive income!
Frequently Asked Questions
These answers help you find quick ways to make money when you need it fast.
How can I make money ASAP?
If you need cash right away, you can sell things you don’t use anymore, like toys or clothes. Another fast way is to do small jobs for neighbors, like walking their dogs or helping in the garden.
How can I make $100 a day?
To make $100 a day, you could do jobs like cleaning houses, pet sitting, or babysitting. You could also combine a few things like doing surveys online, delivering food, or driving people places.
How to get money in one day without a job?
Without a job, you can still make money by selling stuff online, like clothes, games, or even sports equipment. You can also collect cans or bottles to recycle, or ask friends or family if they need help with anything for some quick cash.
How to make money in one hour as a kid?
As a kid, you can make money fast by setting up a lemonade stand, doing a car wash, or even making and selling crafts to friends and family (such as bracelets or custom T-shirts!). Of course, please check with your parents and stay safe.
How can I make money in one hour at home?
To make money in an hour at home, you can do things like sell items that you already own, such as your old clothing or a cell phone. You could also walk dogs, freelance online, or even tutor.
How to Make Money in One Hour – Summary
I hope you enjoyed this article on how to make money in one hour.
As you can see, there are many things that you can do to make money – whether you’re looking for a full-time job or just want to complete short tasks that take less than an hour.
Hour or shorter gigs helped me a ton to pay off my student loans as quickly as I could. Being able to work in short amounts of time helps me to work on my own schedule and fit more side hustles in.
Why are you looking to make money in an hour? Let me know in the comments below!
As college tuition costs continue to skyrocket, more and more people are questioning whether a higher education is still worth it. Many argue that there are plenty of lucrative job opportunities available without a college degree, while others point out that earning one can open up doors to even better positions and significantly widen your wealth base. As this debate rages on, the question remains: is getting a college degree still worth all the money in today’s economy? Below are some stories we’ve rounded up to help you make your decision with a broader perspective.
1. They Open Up Higher Paying Jobs
One user posted, “They open you up to higher paying jobs, though the jobs may not be in the field you were expecting.”
One user replied, “I certainly wouldn’t have my six-figure job without my degrees, but I recognize I might be the exception.”
Another user added, “Lol, no, you’re not. Very few jobs will net anywhere near $100k (area dependent, of course) without a college degree. Some electricians and plumbers I know with 20+ years of experience have gotten close by busting their a- and putting in 50-60 hour work weeks, but even then, not everyone with the same experience is taking in that much. I wouldn’t have a six-figure-paying job without a degree either.”
One user stated, “Connections >>>>> Experience >>> Degrees >>> Certifications.”
Another commenter added, “I think experience trumps connections. Connections can get you in the door for an entry-level job maybe.”
One Redditor replied, “1000%. There’s a guy I’ve heard of that barely graduated high school but hustled his [a-] off and now makes almost 200 Grand a year in IT with zero college. Also, he has the most beautiful eyes and the voice of an Angel. And he has a badass malamute. That guy’s name is Bruce. Long live Bruce.”
3. Shortage of Accountants
Even if you’re not aiming for a six figure income, there are plenty of jobs that simply require specialized schooling; and those jobs need to be done. Like accounting, for instance.
“We are having accountant shortage…so.”, exclaimed one user.
The OP replied, “Well, that’s what I’m majoring in.”
One user responded, “Keep going! It’s the best degree! Always jobs, never accept a job paying below $25/hr again.”
4. Economy Fluctuates; Education Lasts a Lifetime.
One user stated, “Before I had a college degree the most I could ever make was $47k in 2015. After graduating college in 2017, I made 51k for nine months and then 65k by 2018, less than a year after graduating college. I worked at the company for over three years and made $70k before I decided to get an MBA. I earned an MBA in 2023 and am now making 90k a year working pretty much entirely remotely.
“I have no solid connections in the USA, so education has been the only way I’ve been able to boost my salary steadily, and it gives me the confidence to demand more pay. And I feel like my work environment has improved as I improved my education. The economy might be bad at times, and good at times; it fluctuates. But the impact of an education lasts a lifetime.”
Another user replied, “How much debt? I’m not hating. I wasn’t in a position to get an education, so I took a different path.”
Another user commented, “There’s a lot of scholarships out there. I only have $20k of debt from undergrad that I chose not to pay off since interest for student loans is low.”
5. Affordable Education Is Worth It
One user raised a good point, saying that free education is always worthwhile. And while college may not ever be totally free, there are many ways of making it more affordable. Living with your parents and doing school online can save on costs, almost all colleges offer scholarships but so do organizations both related to your interests and hobbies, and probably in your locale, so look around. And for bonus points, if you’re able to be self-motivated, you can find lots of classes that you can study for independently and pass via exams such as CLEP and DSST. While they’re oriented towards active-duty soldiers trying to get an education during deployments, both programs are open to the public.
6. The Better Educated, the More You Earn
One user stated from a source, “Yes, by the following data. … Across degree types, it’s clear that, on average, the more education you get, the more you will earn. The biggest increase in salary happens if you complete a bachelor’s degree rather than an associate degree. In this case, you can expect to earn $15,500 more per year on average as a 25- to 34-year-old. If you look at the talk, a bachelor’s degree is worth, at the median, more than $20k a year than a high school diploma.”
7. Surviving Versus Thriving
One Redditor shared, “Yes and no. Do you want enough money to survive? You can do it without a degree. But in the long run, everyone says having a degree is very beneficial.
“Ironically, I dropped out of my university to work for said university, so I never got my degree. I have had no problems landing jobs and dropping out means I’m in a better financial situation now than my university graduate peers. But ten years later, when everyone wants to be a manager, I may be at a disadvantage of not having my degree (I might get lucky and use purely my experience). I do plan to get a university degree once I figure out what I really want to do.”
8. It Depends on Your Field and Your Goals
“The most annoying answer ever: it depends. I ended up with a humanities degree and worked a job that doesn’t typically require a degree, and if it does, it certainly isn’t mine. So I always feel like it’s kind of pointless (I don’t regret my degree one bit, though!) But I definitely have friends who graduated with me and have full-fledged careers now and have really started their adult lives because of their degrees.
“It depends not only on the degree but the person. My degree probably wouldn’t have gotten me far without more school/degrees, but I also didn’t choose to seek out any paths that involved using it. And people still comment on the fact that I have a degree, which implies I have specific skills and am somewhat trustworthy (I saw my degree through in less than four years, nonetheless). I don’t think a degree is ever pointless. But I also don’t think you need one to have a good life.”
9. College Is Good for Your Development
One user posted, “Money aside completely, college is good for your development and will open your eyes to the vast fruits of life, and even GEs and stuff will force you to learn silly little bits of information that may end up changing your life. If you can make the finances work (go to an in-state public university), I think it’s generally worth it for most people.”
10. Many Jobs Require a Degree; But They Don’t Care Which One
Another Redditor added, “There are tons of simple office jobs out there that just require you to have a bachelor’s degree that is roughly applicable. I have known people who got degrees that were just ‘for fun’ and then landed in jobs like this making 5-10 dollars more than minimum wage. Not bad.”
11. A Business Degree Is Widely Applicable
Another user shared, “I’d be very specific about the degree. For example, a business degree is pretty vague and, as a hiring manager, I’d want to see whether they are proficient with Excel and which specific classes they had. But if they had majored in accounting, they’d find a job fast. As for STEM—a major in biology is much harder to market than in engineering.
“If I were an incoming student, I’d start at the end and work back. What job do I want? What degree requirements are there? Which specific classes do I need? If at all possible, reach out to someone working in that field (maybe a friend’s parent, a neighbor, or your doctor or dentist – introduce yourself and ask if they could meet with you to discuss these things. I would be intimidated as a young person to do this, but it could save you tens of thousands of dollars and years of your life to do it.”
12. A Degree Doesn’t Guarantee a Job
“A college degree doesn’t guarantee a job. You still have to self-innovate and market yourself. This means things like your skills, networking, how aggressive you are with job hunting, etc., all contribute to a higher probability of getting hired. Also, if you do a job search for current office jobs, many employers still ask for a bachelor’s degree in terms of baseline qualifications. So you’re already at a disadvantage if you’re planning to work your way up the cubicle career ladder …,” one user posted.
13. It’s Not Necessary
While most people still consider college a no-brainer, it’s good to ask questions about whether it’s worth it, especially if you’re thinking of a post-graduate degree. Masters and doctorates are expensive, and you should be sure it’s worthwhile before you take on the financial responsibility for more education.
One user posted, “It’s not [worth it]. I have an MBA, and it only puts me in debt. No one cares about it.”
One user replied, “Should have done engineering.”
14. Pick a Proper Degree
One commenter said, “Pick a proper degree that leads to a paying career. If you are going to do art history, gender studies, then no.”
15. A Degree and Then Some: It’s Harder Than Is Used to Be
Another Redditor posted, “I think much of the issue lies in so many relying only on their degree and classes they took. The sad truth is college students now have to go above and beyond what previous generations had to for equivalent results. In the past, companies understood they’d take you under their wing and train you as you go if you’re a recent grad. Now, with degree saturation, mass layoffs, and job hopping being shared, there’s way more risk from the employer’s POV. Hence, entry-level roles require years of experience.
“So, is a college degree worth anything nowadays? It can be IF you pursue it more HOLISTICALLY to meet current market conditions. Of course, this can be easier said than done, and the below is assuming one studies STEM and Business:
“Develop Soft Skills: Often overlooked by STEM students. Many employers would instead hire candidates with potential cultural fit over a genius who can’t present their ideas well.
“Seeking out mock interviews helps a lot!
“Understand you’re learning HOW TO LEARN abstract/technical concepts. Being a good student has carried over into my professional life by being able to pick up things fast.
“Internships/Capstone/Major Projects: Good stand-ins for work experience on resume
“Networking: Take full advantage of career fairs, as well as with Professors. In my IT program, companies would reach out to some of my professors seeking top performers.
“If you’re at a ‘top school,’ bonus points on now having access to Alumni. This can be used as an in for internships and roles. Join Professional Clubs/Organizations Consider relevant on-campus jobs: can also be flexible around classes. Obtain Certifications as you go, and see if your college offers any access to resources like Coursera or LinkedIn Learning as part of tuition. Build a project portfolio of ones you’ve completed in courses and done on the side.
“Alternatively, if you are short on time AND Money, you could instead consider technical certifications that are in demand to get your foot in the door at least. For example, CompTIA certifications … for networking.
“TLDR: It all depends on your approach and efforts to meet the expectations of a more demanding job market. Gone are the days when you could literally knock door to door with just a Bachelor for an entry-level role.”
16. It Depends on the Degree
One user shared, “As always, it depends on what said degree is in. Gender studies won’t get you much, but bioengineering will.”
Another user added, “I’ve worked in oil and gas for over a decade, and I had no idea that geologists and paleontologists can easily make six figures working in the field. Even learning to weld can make you 45 to $60 an hour. Of course, schools don’t encourage this kind of study.”
17. A Degree Can Open up Connections
“I won’t say this applies to all degrees/jobs because I certainly agree a degree can open up connections to higher paying jobs, but my dad was in college for eight years for a business management degree … since he’s graduated like 12 years ago he’s had countless jobs he’s quit because he has gotten this mindset he should be getting paid more then what he does because he has a degree. On the other hand, I was in college for less than a year before I dropped out and started working because I hated school; since I started working, I’ve kept the same job for 10 years, and I have made more money than my entire family combined.
“Now again, I say I got lucky, and I know a lot of people aren’t as lucky, but if you already have a connection or already have something you know you’ll probably have a future with, then the degree is not necessary if you’ve already reached the top,” one commenter contributed.
18. A Degree Improves Your Odds, but It’s Not a Guarantee
One user posted, “Every I see people complaining about not finding a job, 95% of the time they do not have a degree. A college degree is not guaranteed, but it improves your chances of employment.”
19. Can You Make Money Going to College?
Another user shared, “In philosophy? No. In nursing, engineering, and s- where you can def go get a job.
“Research different states and the cost of education. I moved to California, and it was … near free. Actually, I made $$ going to college.”
What do you think of the opinions listed above? Share your thoughts down in the comments!
Source: Reddit.
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Phone interview questions often cover a lot of ground, from your professional motivations to your preferred style of being managed. Phone interviews also typically include several behavioral questions, too, in which you’re asked to recount specific experiences from your previous jobs.
They can seem intimidating, but phone interview questions are a lot less scary when you’ve rehearsed your answers and prepared stories that demonstrate your strength as a candidate.
Below, you’ll find 20 questions commonly asked during phone interviews, as well as advice on how to best answer them.
Phone interview questions
In preparing for your phone interview, set aside a few hours to reflect on how you’d answer each question. Write or type out your answers, then practice answering each question out loud.
Focus on speaking slowly and clearly, and run through your answers several times — that’ll help you eliminate filler words and speak comfortably when you’re talking to the interviewer.
When you’re on the phone interview, smile while speaking, recommends Robert Half, a human resources consulting firm. Even though the interviewer can’t see you, you’ll sound more enthusiastic and confident.
You can also keep a cheat sheet with key dates, sales figures or other information you want to easily access. Don’t overly rely on them, though, and be prepared to complete the interview without having to visit your notes.
Question about the company or position
1. What are your qualifications for this position?
If you’re asked this question, talk about your hard skills or competencies learned through training or education, says Heather Livingston, a career advisor at University of Phoenix.
Bring up any specific qualifications you have that were in the job description. Such qualifications might include knowledge of a specific software, coding language or experience working with a certain type of customer.
Be sure to mention any professional certificates or licenses relevant to the position, too, Livingston says. You can also mention any college courses or professional training you’ve completed that relate to the role.
2. Why do you want to work for us?
To effectively answer this question, you’ll need to research the company, Livingston says. Familiarize yourself with its history, mission statement, purpose and leadership.
Mention explicit parts of the company’s mission that you agree with, and how helping the company achieve that mission aligns with your overall career goals.
3. What do you know about the company?
Similar to the question above, you’ll need to research the company to answer this question. Spend some time on the company’s website and read the “About Us” page. You can also visit the company’s LinkedIn page and see if it’s recently been in the news.
You don’t need to memorize every part of the company’s history, but make sure you’re aware of any major events — such as mergers, acquisitions or product launches — and can speak confidently about the company’s main product or service.
4. What do you see as the biggest challenge coming into this role?
It can be tough to answer questions that require you to admit your vulnerabilities. But employers know that even the best employees inevitably struggle with one or more aspects of any job.
“The key is to be honest,” Livingston says.
There’s a fine line between being honest and undermining yourself as a candidate, though. Avoid mentioning challenges that relate to critical components of the job.
For example, if you struggle with time management, and the job requires you to manage multiple deadlines, sharing that struggle might give the hiring manager pause. Similarly, sharing that you aren’t detail oriented might not be a great idea if you’re interviewing for a data-focused role.
On that note: If several key parts of the job sound like significant challenges, do some soul searching and think about whether the job is a good fit for your skillset.
Also, offer solutions to any potential challenges you foresee, Livingston says. If you tell the interviewer you might find a particular software challenging, for example, share your plan for overcoming that challenge.
5. Why should we hire you?
This can be a tricky question to answer; you want to sell yourself, but don’t want to appear cocky or entitled. Write and practice an elevator pitch for yourself as a candidate, Jennifer Preston, an HR consultant, told U.S. News and World Report.
Highlight your work experience that most closely aligns with the role and your strongest skills related to the job. Talk about the job objectives you’re most excited to accomplish, and tell the interviewer how you’d achieve those goals.
You can also mention the little things that distinguish you from other candidates, too — whether that’s your passion for building relationships or your long-term career goals that make you a good fit for the company.
Behavioral questions
6. Tell me about a tough decision you’ve had to make in the past.
Behavioral questions are designed to predict a candidate’s future job performance, according to the Journal of Business Research. So, for this and the remaining behavioral questions, answer with a workplace anecdote that illustrates how you behave in certain situations.
Think about difficult decisions you’ve made on the job. Have you ever been asked to mislead a customer? Has a manager ever acted inappropriately, leaving you to decide whether to report them? Share a story that shows your integrity, work ethic or another quality that makes you a desirable employee.
7. Tell me about a time you failed.
This question isn’t meant to highlight your failures or mistakes. Instead, it’s a chance for the interviewer to see whether you learn from your mistakes, Livingston says.
“Failure is how we learn. And good employers, good bosses and good managers know this,” Livingston says. “Nobody’s perfect.”
Don’t be the candidate whose biggest failure is that they care too much. Be honest and candid, and talk about a genuine error you made on the job.
Avoid dwelling on the mistake itself — or the panic and consequences that followed — and instead emphasize the insights you gained, and how you grew from the experience, per the Harvard Business Review.
8. Tell me about a time you didn’t get along with a coworker or colleague.
The interviewer knows that nobody gets along with every person they encounter. They’re trying to see if you’re able to work with people you don’t particularly like, Livington says.
Don’t spend too much time explaining why you disliked a particular colleague. Focus on how you were able to put your differences aside and accomplish the task at hand.
9. Tell me about a time you had to work under pressure or stress.
Can you handle the heat, or do you collapse under pressure? That’s what the interviewer is trying to determine.
Talk about a time when you worked under tight deadlines or external stress. Specifically list the ways you handled that stress, whether it was by staying organized, building small mental health breaks into your day or eating well and getting plenty of sleep during busy weeks.
10. Tell me about a time when you took initiative.
Finally, an opportunity for a positive story! Share an instance in which you proactively completed a task or contributed to a project — ideally, without being instructed by your manager — that benefited your employer or made things easier for your team.
Work style questions
11. Do you prefer working on a team or alone?
There’s no right or wrong answer to this question. But given that most jobs involve some form of collaboration, your answer should make it clear that you’re able to work on teams, according to the Harvard Business Review.
You can also list the instances in which you prefer working alone or collaboratively, recommends the Harvard Business Review. For example, you could say that you love brainstorming ideas and developing sales pitches with your colleagues, but enjoy the freedom to work independently when on a deadline or during certain chunks of the day.
12. How do you manage stress to avoid burnout?
The interviewer isn’t looking for a specific method of stress management; they’re just making sure you know how to handle stress and won’t crumble under tight deadlines.
Share a work experience that illustrates how you effectively manage stress, recommends the Harvard Business Review. Feel free to get specific: If you utilize tools like meditation, journaling or morning runs to manage day-to-day stresses, say that.
13. How would people you’ve worked with describe you?
To effectively answer this question, first consider the qualities that might make someone successful in the role you’re interviewing for.
If the job requires a lot of collaboration, for example, say that your coworkers would describe you as communicative, accountable and a team player. If the job involves number-crunching, you could say that your colleagues would call you detail-oriented and conscientious. Think of past experiences you can mention that illustrate those qualities in action.
You can also use this question to highlight a few of your unique characteristics that aren’t directly tied to the role. Knowing that your coworkers would describe you as personable or funny, for example, can paint a more well-rounded picture of you as an employee.
14. What kind of management style works well for you?
Like many of these questions, you’ll want to answer honestly while keeping things relatively broad. Make it clear that you can work effectively under any manager, according to multiple career experts.
For example, instead of saying, “I prefer to work under managers with a hands-off leadership style, and can’t work well if my boss is always looking over my shoulder,” you could say, “While I prefer a hands-off managerial style, I’ve worked well with plenty of supervisors who prefer frequent check-ins and close collaboration.”
15. What are you passionate about? What motivates you?
Are you externally motivated by rewards, growth opportunities or bonuses? Or are you intrinsically motivated by doing work you believe in? Reflect on what motivates you in the workplace and honestly answer the question. You want your employer to understand what motivates you, according to BetterUp, a behavioral career coaching company.
To kickstart your reflecting, here are some potential motivators:
Promotions and leadership opportunities.
Contributing to a team.
Solving problems for customers and clients.
Learning new things.
Developing certain professional skills.
Making a difference.
“You can be passionate about things in your personal life, but whatever this answer is should show relevance to how it will enhance your success at this position in this company,” Livingston says.
16. What is your experience with remote work?
This question may not be relevant to you, depending on the job you’re interviewing for. But if you’re interviewing for a remote role, the employer may want to know if you can effectively manage your time and responsibilities.
Describe your experience with remote work — or lack of experience, if you’ve never worked from home — and make it clear that you can perform the job’s functions without reporting to an office or workplace.
Logistical questions
17. Are you currently employed, and why are you thinking about leaving your current job (or why did you leave your previous job)?
This can feel like a tricky question to answer. The key is to answer honestly without getting into too much detail. Saying that you’re looking for a job that better aligns with your goals, values and growth plans is typically a safe bet, Livingston says. Be prepared to talk about those goals and values, as the interviewer may ask follow-up questions about them.
Don’t badmouth anyone from your previous employer, though. It’s an unprofessional look. If you quit your job (or are planning to leave) because you don’t get along with your manager or another coworker, keep things broad, Livingston says.
“Say something very general to the effect of having different values and different goals,” Livingston says. “That way, you’re not saying something bad about the previous employer or manager. You never want to do that.”
18. Are you interviewing with other companies?
Most candidates in the job market are applying for and interviewing with multiple companies. If you’re interviewing with other companies, you should feel comfortable sharing that, Livingston says. You don’t need to mention which companies or roles you’re interviewing for, though.
Also, be sure to emphasize your excitement for the role you’re discussing with the interviewer. You can say something like, “At this time, I am interviewing for other positions, but this is the role that best aligns with my interests and career goals.”
19. What salary range are you looking for?
There are a few ways you can answer this question.
First, you can provide an ideal salary range. To avoid giving a range that’s unrealistically high (or lower than you could get), research salaries for similar positions in your industry and city. Then, provide a salary range with around $10,000 of wiggle room, Livingston says. If your ideal salary is $75,000, tell the interviewer you’re looking for compensation between $75,000 and $85,000.
If you’d like to buy some time before sharing an ideal salary, another option is telling the interviewer that you’d like more information on the role, according to U.S. News & World Report.
You could say something like this: “Until I learn more about the job and its responsibilities, I’d rather not decide on a fair salary range. Could we discuss compensation at a later date, perhaps after I’ve spoken with other members of the team?”
When you do share an ideal salary range, ask for more money than you’re currently making. Changing jobs is often an effective way to significantly increase your salary.
Half of the American workers who switched jobs between April 2021 and March 2022 saw their wages increase 9.7%, according to a July 2022 Pew Research Center report. Meanwhile, the median worker who stayed in their job over that same period saw their wages fall 1.7%.
20. When can you start working?
Ideally, you want to give your interviewer a firm date. But if you’d have to submit a two weeks’ notice at your current job, simply tell the interviewer that.
Say that, out of respect for your employer, you’d like to help transition your responsibilities and complete any outstanding tasks before your departure. In most cases, the new employer will be fine with figuring out a start date later in the interview process.
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