A lot of investors like dealing with low-priced stocks. A stock trading for $5 per unit or less inherently seems cheaper than higher-priced rivals. For the cost of one share of Tesla stock, for example, an investor could purchase several hundreds of shares in cheaper stocks. It’s clear that initially, investors need to look at the total market capitalization and only then at the rated share price when considering a possible buy. 

Frankly speaking, many traders prefer cheap stocks, and thus it’s necessary to mention the best options available. Generally, when stocks begin trading for less than $5, it means that the business is experiencing hard times. If this company succeeds in overcoming the troubles, they can get back many multiples of their entry price. Here is the list of seven cheap stocks to buy for less than $5 that have everything to multiply shareholders’ returns.

Waitr Holdings

Founded in 2013 and based in Louisiana, Waitr Holdings manages food delivery services across the U.S. Compared to its rivals, Waitr focuses on small cities, where it is easier to gain a significant market share and reduce marketing costs. The company benefited tremendously due to last year’s delivery overload. Indeed, Waitr actually turned a profit, which is not a typical phenomenon in the home delivery industry. 

Investors are interested in whether Waitr will be able to keep up with its more robust competitors. However, that’s the reason why the stock is trading around $2. Currently, Waitr is still increasing revenues even though their permanently stay-at-home customers leave. Waitr has an excellent opportunity to become a decent market participant in the delivery industry or be a target for an acquisition by a more authoritative competitor.

Grupo Supervielle

Grupo Supervielle S.A. renders banking and financial services focusing on retail banking, consumer finance, insurance products, credit cards, and others.

In 2018 its shares were trading for $30 per unit. Unfortunately, several dramatic bounces of the economic state and the COVID-19 pandemic caused the stock to fall as low as $1.53 per share last year. The stock has returned to around $2.20 and now has enough space to improve. 

Today Supervielle is among the cheapest stocks traders both in terms of price and valuation. There is an upside from a fundamental viewpoint as well. Argentina is a prominent exporter of base metals such as copper. The cost of these metals has risen this year, thanks to the current inflationary wave. Furthermore, this autumn, the upcoming Argentina elections could weaken the country’s ruling left-wing party, offering a more favorable business climate for Argentina’s bank development.

Dogness International

Dogness Corporation is engaged in designing, producing, and distributing pet-related products to major retail stores and wholesalers worldwide. The company provides leashes, collars, handles, and other specialty products for pets, while its flagship line represents high-quality goods for intelligent care for cats and dogs. Dogness’ feeding accessories have cameras to look after pets remotely, monitor how often they eat, keep an eye on the amount of food remaining, and so on. Dogness released an app so users can follow their pets’ habits and make sure everything is under control. A smart drinking water dispenser provides fresh water every time a pet needs it. 

Despite its promising innovations, it’s still unclear if Dogness’ product line will be a big enough business to make Dogness outstanding. Last year, for example, Dogness lost $7 million out of $20 million of revenue.

Nonetheless, Dogness has recently signed distribution agreements with large retailers, including Costco Wholesale Corp. That could be the turning point to get Dogness to success. By and large, talking about the potential, Dogness is moving in the right direction. The time is near when Dogness can become appealing to Reddit traders.

Trivago

Most stocks connected with travelling, going out, and lodging have already been returning their positions. Online travel service Trivago hasn’t joined the fun yet. Recently the stock has risen a bit, but it’s still turning around $3.50 per share. The price dropped to more than 80% from its peak point in 2017. Besides, because of the pandemic, Trivago had to cut down many jobs. In March 2020, sales fell by 95% compared to the previous year. Trivago spent a lot of its efforts on online marketing, public relations, and brand marketing. It also tried to expand internationally at an incredible pace and may have lost the focus on its primary targets. 

In general, investors doubted if Trivago would ever become profitable.

Nevertheless, the pandemic gave Trivago the temporary opportunity to reduce costs. With the suspended demand for traveling, Trivago can use last year’s crisis as a ground to get back to the game. In 2017 Trivago launched its initial public offering at $12, and after some time, the stock grew up to $20, so there’s much space ahead from the current modest share price if the company can profit from the travel boom.

Ambev

Ambev is a publicly traded subsidiary of worldwide brewing giant Anheuser-Busch InBev. It is one of the biggest companies by market capitalization in Brazil and the overall Southern hemisphere. Ambev mainly targets the South American and Canadian markets. Ambev has given in to other brewing producers in recent years, primarily because its main markets – such as Brazil – have plunged due to dropping prices for oil and other natural resources. Nevertheless, the prices for oil and metals are all going up this year. This should encourage the economic prospects for core Ambev markets like Brazil and Argentina.

Meanwhile, Ambev has a sustainable net cash position on its balance sheet, letting it overcome current shakes. Besides, it has more than 50% market share for beer in multiple markets, including Brazil. ABEV stock has dropped from $7 per share to less than $4 in recent years, but it could get back rapidly when South American economies renew. The World Cup 2022 could also give a considerable push to elevate the share prices.

National CineMedia 

National CineMedia is an American cinema advertising company. NCM presents cinema advertising across a digital in-theater network and is primarily known for displaying the ads that appear at cinemas before films begin. Nowadays, NCM is trying to penetrate other fields, such as ads for interactive tablets and menus at catering. Needless to say, this business suffered dramatically in 2020. Nevertheless, things are looking better as cinema enthusiasts return to the cinemas. 

And talking about those cheap stocks of NCM, it’s necessary to mention theater chain AMC Entertainment (that after acquiring Odeon Cinemas, UCI Cinemas, and Carmike Cinemas in 2016, became the world’s largest movie theater chain). AMC shares were offered for just $2 about a year ago, and they’re now up hundreds of percent since then. AMC’s revival is likely to increase interest in cinema, as shareholders support their precious business. Furthermore, traders that enjoyed considerable profits in AMC may also be prone to AMC’s core advertising partner NCM as the next reasonable stock to get.

Invesco Mortgage Capital

Invesco Mortgage Capital operates as a real estate investment trust (REIT). The Trust acquires, finances, and manages residential and commercial mortgage-backed securities and mortgage loans. This is a profitable business in normal circumstances, and REITs can usually make 8%, 10%, or even higher dividend yields for shareholders. Unfortunately, COVID-19 became a disaster for the industry, and Invesco Mortgage Capital had a near-death experience. Mortgage payment restraint caused REITs not to get paid promptly, which provoked operating losses and dividend reductions. As a result, Invesco Mortgage Capital stock dropped from $17 to $2.50 per share. 

Now, however, IVR is recovering. The share price is up noticeably, and the company managed to increase its dividend this year. However, Invesco Mortgage Capital is a much more prudent company than previously, and as a general rule, such business models prefer increased safety to faster growth. Consider buying Invesco Mortgage Capital based on its current 8.8% dividend yield, not on hopes that it will soon become a $16-per-share stock again. 

Conclusion

In conclusion, we would like to emphasize that many of the stocks trading under $5 today are there for a good reason and shouldn’t be avoided at all. It is forecasted that the stocks trading under $5 per share have significant valuation upside. Undoubtedly, investing money in any cheap stock requires a crucial study of a stock’s valuation, the company’s financial recovery, business model, and long-term potential.

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Recently investors have witnessed an event that will hardly happen again. Since touching its bottom on March 23, 2020, the benchmark S&P 500 has doubled in value. It’s the most incredible back-and-forth bounce Wall Street has ever seen.

Patience is the evident key to making wealth in the market. Although the broader market is constantly aiming at new unconquerable tops, value can still be found. If you’re buying stakes in giant companies and intending to occupy those positions for a great while, things that might look pricey today could turn out to be a fantastic deal in two, three, or five years.

You also don’t need a suitcase full of money to start your journey toward financial independence. If you have about $500 in the beginning, which is not saved for any cases of emergency, the following five stocks are the best to invest in right now.

Vertex Pharmaceuticals

The first buy that could make long-term investors wealthier is specialty biotech stock Vertex Pharmaceuticals.

Vertex has lost its broad market position after they discontinued two clinical treatments for alpha-1 antitrypsin deficiency. But these sad failures pale in comparison to the company’s noticeable achievements in treating people suffering from cystic fibrosis. Cystic fibrosis is still incurable, but Vertex has elaborated four generations of therapies that improve lung function for those having CF.

The key point here is that Vertex’s innovation in cystic fibrosis managed to protect its cash flow for a long time to come. The company’s latest introduced combination therapy, Trikafta (which lets struggle with the most common CF modification), was approved five months earlier than its expected assessment date and yielded nearly $4 billion during its first year on the pharmacy market. Trikafta’s sales reached $1.25 billion in the June-ended quarter, implying a $5 billion annual run-rate.

Vertex also has in stock around one dozen other attainments in clinical development valued at more than $6 billion in total. In other words, dealing with Vertex, investors get innovation, steadily increasing profit, and a big cash buffer.

Ping Identity

One of the win-win opportunities for investors can offer the cybersecurity industry. It doesn’t matter what results in the US and the global stock market show, hackers and scammers are always ready to attack profitable businesses. Cybersecurity has transformed into a must-have service for any company caring for its well-being, which is good news for Ping Identity.

As it’s clear from its name, Ping focuses on identity verification. Their cloud-based Ping Intelligent Identity Platform consolidates with legacy security solutions to improve cyber protection for companies. Based on artificial intelligence, Ping’s platform is supposed to become more skillful over time at detecting and responding to attacks. By and large, it’s designed to exceed the basic settings of local security software also permanently to monitor and allow the user access to vital company data.

The primary reason why Ping Identity surpasses its high-flying competitors is that some of its customers had the opportunity to get short-term renewals during the COVID-19 pandemic. Nevertheless, with the focus on promoting its higher-margin SaaS platform, which has grown sales at a compound annual rate of 44% since the first quarter of 2020, it’s only a matter of time before sales increase reaches its top. 

As a cybersecurity enterprise that’s profitable on a recurring basis, Ping looks like a bargain at less than eight times this year’s forecasted sales.

Square

Financial technology stock Square might look a bit expensive now, but there’s a great chance you will regret missing it at this price in the near future.

Square lets sellers start, run, and expand their businesses by using software, hardware, and financial services to produce services or products that are prompt, fast, and appealing. Sellers use Square to contact buyers online and tet-a-tet, manage their business, and access financing. The seller ecosystem is made up of over 30 different software, hardware, and financial services units that are monetized due to a combination of transaction, subscription, and service fees. 

During the seven years before the pandemic, gross payment volume (GPV) going through Square’s platform grew by an annual average of almost 50%. As a result of the Q2 seller ecosystem, GPV hit a new top of $38.8 billion. What’s particularly impressive about the seller ecosystem is that larger businesses (described by Square as those with $125,000 or more of annual GPV) accounted for 65% of GPV at the end of the second quarter, compared to 55% during the same period in 2019. More powerful merchants bring more gross profit to the company.

Nevertheless, Square’s future is fixedly glued to the success of its peer-to-peer payments platform Cash App, which allows customers to transfer their money to one another via a mobile phone. Cash App is available in the UK and US and has become the most downloaded payments app in the US for the past two years, with a recorded 36 million active users. Besides, gross profit per Cash App user amounted to $55 in 2021, about 2.5 times more than in 2019. 

To top it off, in August 2021, Square announced they had entered into arrangements for Australian “buy now, pay later” Afterpay to acquire the latter for $29 billion. Though this deal might seem colossal, it’ll perfectly fit Square’s seller ecosystem and Cash App.

Cresco Labs

US marijuana stocks could also be considered as one of the most attractive long-term investments. With 36 states having legalized cannabis in some amount, there are almost endless opportunities for the multistate operator (MSO) Cresco Labs.

Like almost all multistate operators, Cresco has a promising retail development. The recent acquisition (valued at $213 million) of Bluma Wellness, a Florida licensee, along with organic expansion, has increased its operating dispensary up to 33 units (although the company holds nearly fifty retail licenses in total). Cresco is expanding its retail net, targeting high-dollar and limited-license markets. The latter is significant here because states that limit retail and cultivation license issuance create the game rules where every licensed participant has an opportunity to engross a considerable share of the market.

Additionally, what’s far more interesting about Cresco Labs is its industry-leading wholesale brunch. Cresco Labs keeps on dominating the wholesale branded cannabis space, with revenues reaching $109 million at the end of the second quarter. Being a leader in the wholesale environment wouldn’t matter if Cresco Labs hadn’t already turned the business into a very profitable one. 

The most important investor conclusion is that Cresco Labs is one of the better positioned MSOs for the likely changing rules of the cannabis market. The stock is extremely cheap, similar to other cannabis stocks. Investors should consider that Cresco Labs will likely be one of the fastest-developing stocks of the decade.

Ford Motor Company

A final stock we suggest you invest $500 in as soon as possible is Ford Motor Company. Chip shortage troubles in the near-term, which have restrained the capacity of auto stocks and weighed the top manufacturers down, gives an excellent opportunity to purchase Ford for less money.

The tremendous push for carmakers is the electrification of vehicles. 

In early August, Ford stock rose after the Biden administration announced new national targets for EV sales. The plan sets a voluntary target for 2030 to make roughly half of all cars and light truck sales in the US electric or hybrid vehicles. 

A few months earlier, Ford confirmed that the company would increase its expenses on electric vehicles to more than $30 billion by 2025. The plan is to spread 30 new EV models worldwide by mid-decade and reach 40% of its car sales from electric vehicles by 2030. Considering the intention of developed countries to support care for the environment, EVs represent a profitable car replacement opportunity at the commercial level that could significantly improve Ford’s yet modest growth rate.

While Ford’s position in the US will remain steady, China may become an opportunity for the manufacturer to bring more profit. China has the world’s leading car market, and it’s been estimated that half of all vehicles sales could use alternative energy by 2035. Based on the fact that China’s EV market is growing and Ford has the auspicious infrastructure to meet its production needs, it could quickly engross EV share.

To sum it up, Ford Motor started the new decade with optimism as it was accompanied by a total corporate redesign to compete successfully in the era of smart vehicles and alternative energy. The manufacturer is investing significantly in new technologies to keep pace with competitors in the markets for autonomous and electric cars. Additionally, Ford’s F-Series pickups have been the best-selling vehicle in the US for 39 years. Are you still hesitating whether Ford stock is worth a buy now? Doubts aside, grab it.

The post 5 Hot Stocks to Invest in Right Now With Your $500 appeared first on Financeritual.

I had the opportunity to sit down recently and interview Mike Zisa. He is now a financial consultant as well as a teacher at Pennsbury High school in Bucks County, Pennsylvania. Zisa is the author of The Early Investor: How Teens & Young Adults Will Become Wealthy. We spoke about our community-based children and the value — and the rareness — of high school financial education. Lisa shared the most important lessons for all children of secondary schools to remember when they graduate.

Saving Money Is Not the Same as Spending Money

Saving basically puts the money into accounts like a deposit, check, or cash in a bank. Cash deposits including short-term CDs can also be included (Certificate of Deposits). With investing, you can even make your money incredibly secure and readily accessible. Investing is the act of spending the capital to purchase securities such as stocks, shares, property, and other investments that are expected to rise in value for a longer period of time. Investing your money was the best performer of your career.

Use Compound Interest

Compounding is when your savings and/or dividend income generates extra income. In other words, aggregation is where the income generates income. Compounding really lets the wealth rise exponentially! The younger you are, the more time you have to work together.

Start early investment

This is the stage on which Zisa is most adamant. It was his drive to write his book. The quicker you start investing your money, the longer you need to allow the benefits of combining to generate capital over the long term. Consider this: if you begin to spend $3,000 a year at an average growth rate of 6% at age 25, you’re around $680,000 by age 65. If you’re just 35 years of age, you’re worth $260,000. Time has the most important influence on long-term wealth generation. Begin to invest now.

Don’t Buy Stuff That You Can’t Afford

We live in a world that now needs and wants things. There’s nothing wrong with wasting money, so it’s all wrong if you don’t spend it. The money you spend does not contribute to the accumulation of debt that will lead to a financial catastrophe.

Use Credit Cards Responsibly

Credit cards will be a big part of your financial life. The loss of your financial well-being may also be credit cards. Many adults have used credit cards to buy needless and frivolous goods only for extreme debt, which may be unavoidable. It is important to note that by using a credit card, you borrow money that you must repay. A couple of important items to note about a credit card:

• You charge extraordinarily high interest rates if you don’t pay the whole balance

• Don’t buy things with a credit card without the money you have to pay for them.

• Keep in mind introductory interest rates and balancing deals

• Scan the print (the very small print you do not want to read) of the credit card.

• Pay the whole balance by the due date

Purchase Properties Rather Than Obligations

Purchase stuff that makes you money, not stuff that makes you owe money! For example, when you invest in a stock that pays a dividend (a portion of the company’s profits) every three months, you collect cash for not doing anything at all. If you buy a mortgage, every six months you collect interest payments. This is referred to as passive profits. Conversely, if you buy a loan of some kind, you already have accrued debt that you have to pay with interest. Obviously, such loans, such as a mortgage, might be required to buy the first home or even a car loan. But other debt forms will maximize your liability and hamper your wealth-building capability.

Set a Budget to Save a Rainy Day

A budget is essentially a projection, normally monthly, of projected revenue and expenditures for a given time in the future. You will track how much money you spend on some goods and services by setting a schedule. A vital element of the budget is to set up a cash account, known as an emergency fund, every month. An emergency fund is funded you saved to provide cash for an unusual incident in your life. You should preferably have an emergency fund equivalent to living costs of three to six months. You should keep the emergency fund safe, easily accessible assets such as a deposit certificate (CD), a money market account, or just a savings account.

Zisa obviously assumes that the financial stability journey starts early. As in all aspects, parents should teach their children financial literacy through role models. You will save and save your own children if you live beyond your means and learn the behaviors required to live a less exhausting and rewarding life.

The post 7 Things Teenagers Need to Know to Become Rich appeared first on Financeritual.

Keep reading to know her full story.

The woman with secrets

Anna Delvey managed to create the look of an heiress of a really wealthy family by treating herself to lots of exclusive experiences, trips, clothes, etc. All the people who got to know her just accepted it. This wasn’t an exactly new phenomenon in high-end circles of New York.

Anna had an expensive habit of living in hotels in Soho, which might have seemed strange to some, but everyone who knew just thought that it was more convenient for the person who parties all the time and has to go to the home country often to meet visa requirements.

Apparently, this story was so convincing that even in the hotel Anna preferred to live in, they didn’t ask for her credit card information, and she just paid cash. Also, it wasn’t anything unusual for the woman to use that cash very generously, tipping as much as $100 sometimes.

She even made friends with one of the hotel’s employees, Neffatari Davis. These two went out together, and the hotel employee even remembered her shock when on one event she got a seat next to Macaulay Culkin, and Anna seemed to know him quite well.

People actually remember Anna being very good at establishing contact with others. She was good at becoming friends with others in a very short period of time, even though those friends didn’t know a thing about her true self.

Another friend

Michael Xufu Huang was yet another person with whom Miss Delvey hit it off almost immediately. They bonded over art, and soon went on a trip to Italy together. She asked him to pay for the expenses using his credit card, which he did, but then she completely forgot to pay him back. He realized that Anna was a fraud when the organizers of her birthday party contacted him trying to reach the woman, as she never paid the bills for the celebration.

Gossip girl

By that time, people had started gossiping about Anna and where she gets her money from. The first theory was that her dad was a Russian diplomat or had a business in the oil sector. Another one is that she comes from a German family that earned a fortune by antique trading. Those stories didn’t seem to upset Anna at all. On the opposite, she enjoyed the attention.

But it wasn’t all. She had a bigger goal in mind, as she wanted to create so-called The Anna Delvey Foundation where nightlife and art would meet. For this, she had to find investors as well as take out some loans. People started to question her heiress status, but Anna was quick to explain that she just couldn’t access her money while staying in the US. She also hosted some fundraising events.

Things go downhill

By this time, she’s accumulated some debts as she was late with her payments for the hotel, and, as we remember, she never gave them her credit card information. In the end, the hotel received $30,000, and she restored her name for some time. However, when they demanded the information about her credit card, she started a scandal, and then went to Morocco with her friend and personal trainer Rachel Williams. Anna asked Rachel to pay with her credit card, as hers were declined. Rachel agreed and quickly regretted, as she got a $62,000 bill.

Not only Rachel, but also lots of other people who Anna borrowed money from, confronted the wannabe socialite and demanded her to pay them back. She told them the same story about the money she couldn’t access, but no one believed her, of course.  Rachel Williams, Anna’s ex-trainer, got in touch with the New York District Attorney and informed them about Anna’s suspicious behavior.

Anna was arrested because of her unpaid bills for hotels, but was bailed out. A few weeks later she was arrested again for multiple cases of larceny and theft of services.

The truth

In reality, Anna Delvey’s real last name was Sorokin. She was born in Russia in 1991, but now her family lives in Germany, this part of the story was true this whole time. However, she’s far from being an heiress of wealthy parents, her family is an average one income-wise. Currently, there’s a possibility that the woman will spend up to 15 years in prison. According to the judge, Anna has no signs of remorse, but what she does have, is an upcoming Netflix series about her life! Now we can only wait and see what happens next. 

The post Fake Identity, Arrest and Netflix Series about Her Life. A story of a Wannabe Socialite appeared first on Financeritual.

Even though many people think that Fiverr can only be an insignificant side-hustle, many full-time members of this site make thousands of dollars per month.

So, it’s time to learn more about working on Fiverr and making real money there! Here you’ll find the most demanded and highly-paid for gigs you can start working on right now!

What is Fiverr?

Fiverr is basically an online platform for freelancers and people who need their services. There are loads of different gigs, no matter the skills you have. Not only translators and designers can find some interesting opportunities here, but actors and musicians, too.

Don’t mind the name of the company; far not every gig is worth $5. There are lots of jobs that pay much more.

Fiverr is one of the most popular platforms for freelancers now, and for a good reason.

How Does Fiverr Work?

With Fiverr, you’ll be able to do what you can do best and get paid for it.

First, let’s see how the site works

Sellers. These are the freelancers who want to exchange their services for money. It’s up to you how much you’re going to charge the clients for your work and how much work you’re willing to do.

Buyers. These are companies and people who need freelancers’ help. Buyers look through the profiles to decide with whom they want to work. At the same time, sellers can see buyer requests and offer their services.

Then they discuss the job itself, the deadline, and pay, after which you’ll simply need to do your best.

How to start

First, you should create an account

You have to be a registered user to work on this site. You give them your contact information, and then you’ll get a confirmation link via email.

Then you’ll have to create such a profile that will attract your clients. Make sure that it shows your skills and experience in your field. This is important because buyers find all information about you in your profile.

Plan a gig

Your gig is a section where you provide buyers with all they need to know about your requirements, what exactly your service includes, and the charge.

Start sending offers

As we’ve mentioned, you can approach buyers first. Some of them post about a job they need to do, and you can offer your help. Just browse through the requests and see if something is interesting for you.

Is it free?

Yes, you don’t have to pay to create a Fiverr account.

If you’re a buyer, you’ll have to pay the site right away the price of the service and the administration fees. This last part depends on the gig’s cost: for those under $40, it’s $2. If the gig is more expensive, then it’s 5%.

Sellers receive money once the gig is finished. Note that you’ll be paid 80% of the order value. And 20% is a commission fee.

Now, let’s look at some examples of the best gigs.

Website Development

How much you can make:  $100 – $2,000 per gig

This is one of the most lucrative opportunities on the site. There are some offers for creating a website concept, as well as design and coding separately, but if you can do all of this, you’ll be paid more.

Notably, building e-commerce websites is necessary now. If you know how to use WordPress or, let’s say, Squarespace, you’ll undoubtedly find something interesting on Fiverr.

Graphic design

How much you can make: $10 – $1,000 per gig

On this site, you can always find many great offers if you’re a graphic designer. This category has been one of the most popular ones for a very long time. You can design anything, from websites to mugs!

Copywriting

How much you can make: $50 – $2,000 per gig

To work on Fiver, it’s not necessary to be a designer or a programmer! If you’re talented in writing, you can try yourself in the sphere of copywriting. You’ll be surprised at how many writing gigs there are. For instance, you can get money for product reviews, blog posts, etc.

The post How To Quickly Earn Money From Home on Fiverr During Coronavirus appeared first on Financeritual.

Read on to check out our top-7 apps you can use on your Android phone and start earning money today!

Cointiply

This app allows you to perform different tasks and earn Bitcoins for doing so. The tasks include:

• Watching ads
• Taking surveys
• Playing games
• Downloading apps and others.

As compensation for accomplishing the tasks, you’re going to get Satoshi (this is a fraction of Bitcoin), which you’ll then be able to convert into any currency with these websites’ help:

• CoinBase
• Binance
• WazirX (for the users from India)

 Swagbucks

Swagbucks is in a way similar to the previous app we’ve written about, as it gives you an opportunity to do specific tasks and earn money by doing so. You can sign up on their site Swagbucks or download their app called “SB Answer – Surveys that Pay.”

These are examples of these tasks:

• Playing games
• Filling out survey forms
• Answering questions
• Watching videos
• Participating in polls

You’ll earn special points for your work, which are called “SB.” They can be exchanged for gift cards for Amazon, Target, PayPal,  Walmart, as well as Starbucks for $3 – $25.

Playment

Playment is a great Android app that will be interesting for people from India. After you sign up, you’ll be able to choose from various tasks and get paid for doing them. In order to start, you’ll have to use a Facebook account. It would also be best if you verify your phone number, as in this case, you’ll earn more than other users. You’ll get your first points as soon as you sign up.

MooCash

MooCash is an app that allows you to make money using your phone or tablet by simply using their screen locker to promote things. The screen locker is free to use, and it pays users when they unlock their phones or tablets and claim an offer.

People who use MooCash get special coins for the offers, which they can later turn into cash using Google Reward Card or PayPal. In order to claim an offer, the users are required to watch an ad or download an app.

Google Opinion Rewards

Since this app is from Google, which owns the Android operating system, the Google Opinion Rewards app is available only for phones with Android OS.

When you install the app, you’ll be given twenty to thirty surveys each week that you’ll have to complete. Your task is to provide your opinion and do reviews on certain products. The compensation is from 0.1 cents to 2 dollars worth of reward points per survey. The good thing is that this service is from Google, so you don’t have to worry about your account’s security, as might be the case with apps like this.

One thing to note, though, is that you’re going to get Google Play reward points for your work and not cash. The points can be used for apps from Google Play, books, music, etc.

Scoopshot

You must have understood this from our list, but we’ll say it nevertheless: nowadays you don’t need much to make money – just a phone. Here’s one more example of that: the app called Scoopshot. The app is going to pay money to people for taking pictures whenever something happens in your area. Later your images will be utilized by some journalists or bloggers at a different scale.

This idea seems brilliant, but the key is to be prepared to act as a journalist pretty much at any time – something interesting can happen with you at any given moment. If you want to download Scoopshot, click this link.

Pact

Being healthy would have been so much easier if someone just gave you money for exercising, right? How unfortunate that it’s not possible. Or is it?

We present to you a great fitness app which is called Pact. It’s available not only for Android but also iOS. The way it works is this: you place your health-related goals based on your abilities, and when you reach those goals, you will get some money for them. Where’s the catch, you’re asking? Well, if it so happens that you fail to do what you’ve established as your goal, you will lose some money, and it will be paid to more successful users.

If you’re sure that you can live up to your own fitness expectations, download Pact, and see if your willpower is strong enough!

The post 7 Best Apps for Android Phones That Will Pay You Real Money appeared first on Financeritual.

The job we’ve seen teens do in movies like a thousand times, delivering newspapers, is no longer that relevant.

At the same time, because of child labor laws, job opportunities have been reduced a lot.

So, it might seem like it’s become very difficult to find a decent job if you’re a teenager, but that’s not true. You just have to know where to look, be creative about it, and use non-conventional sources.

 We’ve gathered some of them right here, so read on and find the job which will suit you the most!

 By the way, you won’t find any typical jobs here, like working at a fast-food restaurant, or being a shop assistant, because you know about those already.

 Without any further ado, here are our picks for the best jobs for teenagers!

Become a Babysitter

Babysitters can get $10 per hour or more. What is more, they often work in great conditions, better than most part-time jobs. In order to be a babysitter, you must love spending time with kids; this will also be helpful if you finish a CPR course.

Start by just telling people in your community that you can stay with their kids if necessary. The word will spread, and soon you’ll have enough gigs to get enough cash.

Another way is to sign up with the site called Care.com. There’s a background check system, but if you go through it, you’ll be able to ask for more significant compensation.

You can sign up with Care.com here.

Online Surveys

Taking online surveys might not be the best opportunity out there, as many sites don’t pay actual money; they prefer rewards, for example, gift cards. However, if that’s not a problem for you, try signing up with these sites:

ISURVEY WORLD – here you’re going to watch some videos, answer the questions in different surveys, play games, etc. Also, there’s a $5 Sign-up bonus.

INBOX DOLLARS – here you can take some short surveys. Here you’ll get a $5 sign-up bonus, too.

SURVEY JUNKIE – That’s a very reputable site for taking online surveys, the best part is that they pay cash.

MYPOINTS – Take online surveys and get special points, which you can then turn into amazon or retail gift cards.

Swagbucks

This site lets you make money when you take surveys, watch TV, or search the net. Yes, here we talk about cash, not getting rewards or gift cards. You probably won’t earn much money on Swagbucks, but it’s a great option if you’d like to have some extra cash without going out of your way.

And small sums add up quickly, especially if you do it regularly. You have to be at least 13 to sign up with this site.

Rakuten

This way of earning some extra bucks suits more for those who shop online a lot. The site gives you discounts or cash back if you use it while buying something online.

It’s free to use. The way it works is this: whenever you shop using this site, it divides the commission with you. So, as you can see, it’s a very simple way to get some extra cash while doing the thing you’d do anyway – buying stuff online!

You’ll get $10 if you start today!

Start a blog!

Blogging is one of those great things that can start as a hobby in which there’s no such thing as being too young. But then it can well become a very lucrative side hustle or even a beginning of a promising career with lots of exciting opportunities.

Starting a blog is quite easy, but to become successful eventually, you should focus on something that you’re genuinely interested in. It can be anything, really, for example, sports, health, makeup, movies, etc. It’s also necessary to be consistent with uploading new content; you have to do it regularly. The content may include not only posts in the form of articles, but podcasts or videos as well.

One day you’ll be able to earn money if you use Google Adsense service in your blog. What is more, it will be possible for you to participate in affiliate programs or have sponsors.

Blogs take time to build, so if you start as a teenager, you will have enough time to have great business as an adult.

As you can see, there are many options for teenagers to have some extra cash at hand. Try out different ways and see what works best for you. Good luck!

The post 5 Awesome Ways to Earn Cash for Teens appeared first on Financeritual.

So, how can you avoid that?

You have to know exactly where to look for these opportunities to get some extra cash and remember that there are no legit ways to make a lot of money fast. Yes, just like with the other methods of earning money, you must work hard. Also, a proper check is necessary before you start working. 

In this article, you’ll find legitimate and straightforward ways to make money on the Internet that suits everybody. And the cool thing is – you don’t have to spend any money upfront; you just need a computer and Internet connection!

1. Find gigs on Fiverr

Fiverr is probably one of the best places to start earning cash online without paying anything first. You can offer any services you are skilled at on the website. It’s also effortless to begin working on Fiverr: basically, it was made for people willing to earn money while sitting at home.

If you don’t know where to start, look for the ideas on their marketplace, you are sure to find something interesting!

2. Try yourself as a Virtual Assistant.

With the growing number of small businesses that want to outsource daily tasks, the need for virtual assistants is on the increase, too. At its core, it’s similar to working as a personal assistant but online. If you’ve ever wondered what that’s like, it’s a good opportunity for you!

The work can include:

• Moderating comments
• Researching
• Writing emails, creating content, etc.

A virtual assistant’s salary is somewhere between $2-30 per hour, depending on your experience, education, and skills.

3. Write articles.

All sorts of blogs, sites, and publishers need new content all the time. To start writing articles, you’ll need excellent writing skills, obviously, as well as the ability to search for necessary information on the internet.

Here are a few sites where you can search for such a job:

• Upwork
• Freelancer
• Outsourcely
• Constant-Content

One article can cost from $2 and up to $100; it depends on the size, difficulty, and quality.

4. Create a YouTube channel.

If you are one of those people who spend lots of time watching youtube videos (personally, I’m so guilty of that), you know how often you encounter ads on this site. Each of them brings money to the creators, so why not join the lucky people who benefit from the system?

Your Youtube channel can be about anything, really. It depends on your background and personality. You can upload serious videos about different things you know a lot about or funny sketches if you feel like you could be a comedian. The most important thing is originality.

Once you have started, all you have to do is upload your videos on the site and monetize them with Adsense’s help.

There’s no need to splurge out and buy an expensive camera and other stuff; your smartphone will probably be enough for a start. As you gain more subscribers and make more money, you’ll be able to invest in video quality.

The opportunities are endless here; just think about what you’re good at, for example, it can be cooking or computer games, etc.

5. Get paid for taking online surveys.

That’s a rather popular way to earn some quick bucks. Let’s discuss how online surveys operate.

Survey companies typically pay users to get their views on a particular product. The most significant advantage of this method is that you don’t have to have any special skills to do this because it’s easy, but some people might even find surveys entertaining.

However, it’s crucial to find a legit company you can trust. These two are worth checking out: Prizerebel and Swagbucks.

Before you sign in with a survey website, read about the conditions. This will not only help you understand how trustworthy the service is, but also you’ll make sure that you qualify. Sometimes, such sites only work with people from particular countries.

I put this way of earning money online last because most survey sites don’t offer adequate compensation. And if they do, there’s a high chance that it’s a scam, and you’re simply wasting your time answering questions there.

The post 5 Legit Ways to Make Money Online (No Initial Investment Required) appeared first on Financeritual.

Before you’ll be able to start working online, prepare a decent workspace in your home to be effective. Choose a corner where you can focus on the work without being distracted by anything or anyone. Make sure that the furniture is convenient for long hours of work. It’s also important to keep your work area clutter-free – this will give you more mental space for work.

Now you can explore various ways to earn money online. First, you should decide if you want a part-time or full-time job. You don’t necessarily have to quit your office job. Instead, can work part-time online to make some extra money.

And if you want to work full-time as a freelancer, focus the search around your primary skill or specialization. In case you have experience in working in a specific field, it will surely help you find a lucrative job.

For example, if you are an artistic person, join Designhill, or UpWork for creating all sorts of projects. Options are endless; just decide what you can do best.

Here are other ways to earn money from home:

1. Sell Merch

Selling merchandise online is one of the best online jobs for freelancers. Right now the most selling items are clothing products like T-shirts and hoodies. It’s a chance for you to use your creativity and design ideas, and make some money along the way.

Besides clothing, you can also try selling other things. For example, phone cases, mugs, hats, etc.

To start selling merch, you’ll need to open an online store. There are different platforms that enable you to open a store for free with a good profit margin. So, you get to set the price and profit margin to control the earnings.

2. Start a YouTube channel

YouTube is a great resource to work from home. Millions of people watch videos on this platform not only for entertainment, but in order to learn something new from experts, and these experts make money off of the ad revenue and sponsorships. To earn money this way, you’ll have to first develop your channel for it to gather a good amount of viewers and subscribers.

You can also earn money by promoting the products or services you sell on your own channel.

3. Graphic Design

If you’re a graphic designer, you do not need to depend on a regular job in an office and suffer from COVID-19 stress. There are limitless opportunities for designers when it comes to working from home.

For example, graphic designers usually have lots of unused files. They contain those designs that weren’t approved. You can sell unused logos, icons, and other designs.

Another way for designers to make money is to win in design contests. Such contests hold prize money for the best designers as well as the opportunity to score a good long-term contract.

Finally, you can share your skills and knowledge with others and be paid to teach on different online platforms.

4. Create a blog

If you can write well on the hot issues that are interesting to people, start a blog, which is completely free. But if your blog grows and more and more people are reading it, it will bring you money.

So, for example, if you’re going to write on issues related to, let’s say, graphic design, it’ll bring you closer to the design community. Your colleagues might start to advise their clients to consider using your design services, which will also bring you more money.

In order to increase traffic, you can promote your blog on social media. When the blog has a good number of followers, sell banner advertising space to earn extra money when the readers click on the ads on your site.

Conclusion

Coronavirus has become the reason for a big crisis. It forced people to sit at home and caused some of them to lose their jobs. However, like other crises, it is a possibility to try something new, in this case, it might be working from home. Who knows, maybe it’ll become the new trend, and in the future working in an office will be strange while freelancing from home will be the new norm. Anyway, the things we’ve mentioned in this article are definitely worth trying out!

The post Quarantine Guide 2021: 4 Great Ways To Make Money Remotely appeared first on Financeritual.

This might be starting a business or taking a part-time job while you’re looking for full-time employment. To get inspired, read this list of ideas, maybe you’ll find something suitable here.

Assess the situation

Think about the stuff that you are good at. Maybe people have complimented something you’ve done? You can also ask people directly about what they think about your skills or try taking an online skills test. It’s crucial to find something you really enjoy doing.

Find the opportunities for remote work

Obviously, during the lockdown, remote jobs have become much more common. Now you can find both part-time jobs online, as well as permanent gigs.

One of the biggest advantages of remote part-time jobs is that the hiring process is usually much quicker. With a part-time job, you can work for a few hours a week and up to 30. In case you are on unemployment, look into the state policy on getting partial benefits while working part-time.

When it comes to part-time work in general, the demand for it has increased in data entry, customer services and sales, health-care and medical support, and some other spheres. There are creative jobs available, too, like writers, graphic designers, digital stylists, copy editors, photographers, etc. To find a job, type in keywords instead of job titles; this way you’re more likely to find something good. Also, beware of scams.

Time for independence

Making money on your own doesn’t necessarily mean starting a business.

If you have a special skill or hobby you can use, consider making money with its help. First, do research on what people are charging for the same thing (per item or per hour). For instance, how much do people pay for a batch of cookies in bakeries? 

Then think about how you will reach your customers. A good idea is to start out small – talk to your family members and friends, use social media to show samples of your work.

A good example of this is the story of comedian Matt Levy. When he was fired from his job (he worked at a New York comedy club), at first he didn’t know what to do. So, he tweeted offering to write profiles about people’s careers, comedy or “whatever you want”. As of now, he has written about 20 profiles and has increased the price for his services significantly. Now he’s thinking about developing in this sphere, maybe starting his own company in the future.

Starting a business

With the difficulties the small business owners are facing at the moment, starting your own company may seem crazy. However, there are lots of successful businesses that started during times of economic downturn.

Start with the information you have about your skills and hobbies, and then form a solid brand identity, which you’ll use when working with clients and social networks.

Finally, create a thorough plan. Remember that business empires aren’t built overnight. It will take you some time, but giving time something you love shouldn’t be a problem. If you have nothing to lose, it’s definitely worth trying.

The post The Best Way to Make Money During and After the COVID-19 (Remotely) appeared first on Financeritual.