Wednesday, November 5, 2014

3 Legit Ways To Earn Money Online

Money is the basic necessity for everything, but earning it isn't easy—especially for students, who need to work harder to get it. We often talk about how one can earn money online, without doing any part-time job, and compromising your study time.

Sounds like those fascinating advertisements that you usually see on different websites, which offer handsome earnings by working online? Don't forget, that most of these advertisements are nothing but scams.

However, after doing diligent search, we have come across three legitimate websites that can easily help you make some quick money, by working from the confines of your home. Let's begin.

Flashnotes: Ever felt that you are brilliant at taking study notes and wished that you should get paid for sharing them? Well, then Flashnotes is for you. It allows you to buy and sell different kinds of notes, flashcards, videos etc. on the site itself—and if someone likes your notes, they can buy it from you and thus, help you earn. So head to now, register and begin your earnings.

Megatypers: Megatypers is a management company that provides data entry services to government and private institutions. Anyone, who has a computer with an Internet connection and a typing speed of at least 10 words per minute, can work for Megatypers. So, as a student you can easily work for them. All you need to do is some image to text conversions, or voice to text conversions. Megatypers pay around $0.45 for every 1,000 word images typed; you can easily earn around $5 per day. You can head to, register and set your payment mode—just google for the invitation code.

Neobux: At Neobux you get paid for browsing advertisers' websites. You will just need to watch advertisements, and bingo, you'll get paid for it. Quick averages of the numbers displayed on website indicate that $10 was paid per member per day (around Rs 600), which can easily work out to be Rs18, 000 per month. Not bad for just sitting around and clicking on ads. The registration is quick and easy; no details are demanded apart from your PayPal account. After verifying and logging-in to Neobux. You can click on "View Ads" and you will be shown a series of raised boxes and thus you can earn up. So, what are you waiting for? Head to now.

I hope this life hack works well for you, and next time you'll be spending your money to buy something. You can visit up which can further guide you to earn up money online without getting scammed.

The article is written by Chetan Tuteja, a freelancer and a technology enthusiast.

Sunday, November 2, 2014

How to make money blogging: Five steps

While starting a blog can be fun and help others, it can also offer you an income. But by no means is this a get-rich-quick business. If you want to create a site that makes real money, be prepared to put in countless hours of work.
As your blog gains popularity and credibility with readers, your articles will start to rank higher on search engines, which would likely result in higher site traffic. And more visits could mean more money if your blog is properly monetized.
Here are some common ways to monetize your blog.
Recommended: Top 10 part-time jobs

Affiliate marketing

With this type of marketing, you can earn a commission for every product you refer a reader to. It basically works like this: let’s say you apply to an affiliate program and get approved. You’d then mention a product in a post and link to the online store featuring the product. If a reader clicks on the link and buys the item, the program will give you a piece of the sale.
One popular example is the Amazon Associates program. Once you’re accepted into the program, your commission could range from 4 to 8.5%, depending on how many products are bought in a given month (the more sold, the higher your rate). So helping to sell $4,000 worth of women’s shoes, for example, could mean $160 to $340 in revenue.

Direct advertising

If your site is getting lots of traffic, it’s prime real estate for advertisers. You can generate income by putting direct advertisements, such as banner ads, on your blog.
One way to do this is by signing up with an advertising service, such as BuySellAds, where you can sell space on your blog. How much you earn from direct ads ultimately depends on the average number of views per month that your site pulls in.

Display advertising

Or you may choose to use display advertising, which follows a different revenue model. The most popular option for bloggers is Google AdSense, as it’s relatively easy to implement and free to use.
It works like this: advertisers choose which keywords they’d like to advertise on. For example, an online florist would likely choose to buy an ad that contains the keywords “flower pots” or “gardening tools.”
After you install AdSense on your site, it automatically displays relevant text and image ads based on the topics of your blog posts. So if your blog happens to be about planting roses, the site will likely display the advertiser’s gardening tool ad, instead of something unrelated.
When a visitor clicks on the ad, the advertiser will pay you a fee; this is known as the “pay-per-click” system. The average cost-per-click (CPC) is how much an advertiser is willing to pay for a click on the ad. This depends on how valuable the keyword is to advertisers, who bid on keywords to determine the price.
Your AdSense earnings depend on how many page views your site gets, plus the ad click-through-rate (CTR), which is how often readers click on the ad. For example, if your site gets 1,000 views month and your CTR is 2%, with an average CPC of $2, you’ll make $40 in Adsense revenue a month.

Video blogs

Video blogs (or vlogs) are not only fun to make, but also potentially profitable if you get a strong following. Building a loyal viewership by consistently uploading engaging clips is vital to your success.
Joining YouTube’s partner program is a popular monetizing strategy among vloggers. Once you produce and submit a video, Youtube places ads inside or near the video, and you’ll earn revenue every time someone click or views the ad. Payments are then made through a Google AdSense account.

Electronic books

An electronic book, or e-book, displays your expertise on a topic, increasing your credibility with readers and potentially increasing your income.
With smartphones and iPads exploding in popularity, more and more people are reading content online. In fact, the percentage of adults reading e-books increased to 28% in 2013 from 23% at the end of 2012, according to Pew Research.
There are a few places you can sell your e-book. One is through Amazon’s Kindle Direct Publishing platform, where your e-book will be available to buy via Kindle devices. Other options include PayLoadz, Lulu, Smashwords and BookBaby.

So how much money can you really make blogging?

Well, in a recent survey of 1,500 readers, found that roughly half made less than $99 a month from blogging, while about one in five made between $100 and $499. Less than 10% made between $1,000 and $9,999. And those in the top income brackets have been blogging for at least four years, according to the site.
Remember, blogging isn’t a get-rich-quick business; it’s more like starting a company from the ground up. While a few people make enough money doing it to quit their full-time jobs, the majority of bloggers only earn enough for the occasional fancy dinner.

By , NerdWallet

Snap a photo and earn money with Scoopshot!

MANILA, Philippines — Wouldn't it be great to make money through your own photos using your smartphone?
If you are the type of a person who constantly snaps photos of a delicious dessert from a local restaurant, stunning outdoor scenery from your escapades and a local convention you are attending, then you are browsing on the right page.
Let's face it. Smartphone users are rapidly on the rise because of phones' functionality and expediency. Innovation has led smartphones to function the way we didn't expect them to be. Through a smartphone-powered photography app Scoopshot, your smartphone may now be your ticket to fame and fortune.
The development of the app started with the realization that the media isn't always present when newsworthy events happen.
To address that, Scoopshot has created an innovative way to modernize and restructure the publishing process while saving time and money and encouraging the participation of the public – by offering a crowdsourcing service that allows eye-witnesses to capture and sell their photos and videos to the media and other companies.
All you have to do is download the Scoopshot app and upload photos and videos of breaking news and community news that are timely, relevant and publication-worthy. Media companies and other publications can then access your photos and buy them from you!
Lifestyle Feature ( Article MRec ), pagematch: 1, sectionmatch:Scoopshot was originally created as a means to go against the conventional journalism style of publishing news services.
Scoopshot was originally created as a means to go against the conventional journalism style of publishing news services.
However, it also allows other companies to post photo "assignments," which users then respond to by taking and uploading photos that meet the task. For example, a real estate company asks the Scoopshot users to share a creative photo of their most beautiful developments, they buys photos that stood out among the submissions. However, not every photo guarantees money, so you have to make sure your submission grabs the attention of companies and media outlets.
Regina Mae Ongkiko, a Scoopshot user and previous designer of wireframes for apps says that the app is easy to use and has a great interface. Moreover, the app lets the users participate without the pressure. According to her, "Wala naman pumipilit sa'yo na gawin siya. Titignan mo lang kung may tasks dun na kaya mo gawin then try your luck."
As a heavy smartphone user, she also claims that the app does not just let you take and upload photos. The possibility of making revenue out of it is always exciting.

If you are retired & want to make money? Here's help !

A rise in the cost of living and increase in the demand for expensive goods and services has led to a situation of monthly pensions not being sufficient to meet our living needs. There is often a need to create your own pension through various options available. This article covers various ways in which you can create your own pension if you are retired. 

Senior Citizens’ Saving Scheme (SCSS)    
This scheme has been announced by the Government of India for Indian citizens who are 60 years of age or more. It is a 5-year deposit on which interest is paid on a quarterly basis. On maturity, the tenor can be extended by another 3 years. The maximum amount that can be invested by an individual, singly or jointly with another holder, is Rs.15 lakh. The age restriction applies only to the first holder of the account. The second holder has to be the spouse and can be younger than 60 years of age. Deposits have to be in lots (multiples) of Rs.1000. SCSS is also eligible for tax deduction under Section 80C of the Income Tax Act. SCSS deposits can be opened by post offices or with designated banks. Only resident individuals can invest. The deposits are not transferable. Pre-mature withdrawal is possible after the completion of one year but with penalties. Interest is paid on a quarterly basis, at 9.2%p.a.. Interest is paid out on the last dates of the calendar quarters of March 31, June 30, September 30 and December 31, every year. Interest is reset each year. Interest can be paid out or accumulated to be paid at maturity. The reinvestment of interest into the account also earns interest. Tax is deductible at source on interest paid on SCSS deposits, if the amount of interest exceeds Rs. 5000. Declaration in Form 15H (senior citizens aged 65 or more) or Form 15G (others) can be made to ensure payment of interest without TDS. If a person is above 55 years and has received retirement benefits under a voluntary retirement scheme, such retirement proceeds can also be invested in the SCSS by such persons. Retiring personnel from defense services are eligible to invest, without any age limit, subject to other conditions. SCSS deposits cannot be pledged or offered as loan collateral.  

 Post Office Monthly Income Scheme (MIS)    
One of the more popular schemes of the post office, the MIS offers a monthly interest at 8.4% p.a. for deposits made with the POSB, from the second month after the deposit is made. Minimum investment is Rs.1000 and maximum Rs.3 lakhs. The tenor of the scheme is six years. MIS accounts can be opened jointly by a maximum of two depositors, in which case the maximum amount permitted is Rs. 6 lakhs. A depositor can have multiple accounts but the aggregate amount across all MIS accounts with the post office cannot exceed the maximum prescribed limits. The interest payable on the scheme is reset each year with reference to market rates. Interest is subject to tax. 

Monthly income plans (MIPs) 
MIPs of mutual funds seek to provide a regular monthly income (without any guarantee to do so) by creating a portfolio that invests pre-dominantly in debt instruments. Children’s education plans designed for older children whose educational goals are not too far away, invest pre-dominantly in debt markets to protect the capital, and a small proportion in equity to provide the benefit of growth.   The overall portfolio tends to feature a low level of risk. Debt-oriented hybrids are designed to be a low risk product for an investor who likes to earn the short term debt market return – enhanced by a small equity component that does not significantly add to the risk of the portfolio. Investors can structure the income from the mutual fund either as dividends received from the scheme or by setting in place a systematic withdrawal of units. Dividend received is exempt from tax in the hands of the investor. In case of withdrawal or redemption of units, the gains made will be taxed as short-term or long-term capital gains. 

Bank Deposits & Other Deposits
 Bank deposits and other deposits will generate the regular income that will be required to meet expenses. Since bank deposits are seen as risk-free institutions, there is a high degree of safety in the investment and the returns committed. The drawback is that deposit products available have a maximum tenor of 5 to 7 years after which the funds have to be re-invested at the rates prevailing in the future. This may be lower or higher than current rates and this causes uncertainty in the retirement income of the individual. Deposits, other than those with banks and financial institutions, have a high degree of risk of default and must form a small part of the portfolio. They are also highly illiquid. Interest received on deposits is taxed at the marginal rate of tax applicable to the individual.

 Debentures and Bonds 
Debentures, bonds and other debt instruments of various issuers can be used to generate a portion of the periodic income that will form part of the retiral income. The choice of the bonds should be made with care to reduce the risk of default by the issuer. The interest earned will depend upon the market rates at the time of issue and the default risk associated with the borrower. The interest is typically paid annually or semi-annually and is taxed in the hands of the investor.   A combination of monthly income plan (mutual funds), Post office scheme, Senior citizen scheme and corporate bonds may be a suitable strategy for retirees. In case you have some surplus and you have just retired, you may evaluate investing some portion of surplus into large cap equity mutual funds as well. The proportion in each of the above categories may vary depending upon your risk appetite and existing investments.

Ankur Kapur

7 Not-So-Usual Ways to Make Extra Money

When it comes to earning extra cash you have to think beyond a second job.
Seasonal jobs may be aplenty this time of year, but for cash strapped consumers there are a ton of other ways to beef up your bank account, if a part-time gig is not an option.  “People have to think outside the box when it comes to ways to earn income,” says Clare Levison, CPA, personal finance expert & author of Frugal Isn’t Cheap: Spend Less, Save More, and Live Better, “You have to get creative.”
From opening your home up to strangers to selling your trash online, here’s a look at seven usual and not so usual ways to make some extra money.
Sell your trash online
One person’s garbage is another’s treasure is taken to the next level with this strategy, but according to Kyle Taylor, operator of blog, people are actually making money selling what some would consider garbage.
“There are a number of things that can be sold online that we normally throw out,” says Taylor. “For example, many people sell ‘Boxtops for Education’ on EBay (those little tabs you find on General Mills food packaging). They go for around 10 cents each.” Other items you can hawk online: empty wine corks and bottles, old stuffed animals and used golf balls, he says. Wine bottles typically go for 50 cents on Websites like EBay while the corks get you 10 cents.
Put your opinion to work
Having your voice heard is empowering but getting paid for it can be prosperous and that’s where comes in. According to money saving expert Andrea Woroch, that website operates a list of local focus group many of which will pay for your opinion. “In many cases they (focus groups) can even be completed online or over the phone,” says Woroch.  “You can also take online surveys via companies like SurveySpot which pay $5 per survey and pay out at $5.”
Hawk your skills
You may spend your days crunching numbers or making photo copies but in your free time you could be an ace landscaper, dog walker or piano player. If you have a marketable skill than use it on the side to earn an extra income. “I personally know several tutors that make great side income by tutoring,” says Levison. “Freelancing offers a lot more flexibility than a standard part-time job.” 
Have strangers over for a meal
The sharing economy has made it easier to swap rides, apartments and vacation rentals but it can also earn you cash. According to Taylor new websites are cropping up that let you earn money by hosting dinner parties. “Users create a menu, set a date and invite other food enthusiasts for dinner,” says Taylor. “As a host, you’ll decide how many people can attend, whether or not it’s BYOB, and how much to charge per plate.”  Recent offerings on, for example, include a “Persian Feast” in Chicago for $40 and “Taco Tuesday” in South Miami for $12, he says. 
Rent your ride
Have a car sitting in a parking lot or driveway all day while you whittle away at work, then you may want to consider renting it. According Woroch Websites that connect car owners with people who want to rent vehicles by the hour are popping up all over the place. Word of advice: check with your insurance provider before proceeding to make sure you are protected if a renter crashes your car or gets in an accident.
Unload your electronics, clothes and gear
Sitting on an older generation iPhone, gently used designer clothes or other popular gear then you can make some extra cash or get store credit by selling it. A host of retailers will pay you for your used phones while a ton of Websites will make it easy to sell your devices and clothes without having to pay shipping and handling. “You can make a decent amount of money selling furniture on Craig’s List,” says Levison, noting that consignment shops are another good option. According to Levison some of the consignment shops will give you a percentage of the sale in store credit, which is great if you are a regular customer. “Bring in last year’s clothes that don’t fit your children and once they sell go in and get them new clothes without going into your pocket,” she says.
Exercise your way to the bank
It can be hard to exercise on a regular basis but getting paid for it can be a great motivator. Joining fitness challenges on Websites like and can earn you a $100 a month or more for each month you make your goal weight, says Taylor.  Not only will you have extra cash in your pocket, you’ll feel better and spend less on healthcare.