#feel like we’re scamming them out of $25 gift cards

[hardcockcafe]

btw won trivia again last night 😳

[visawords]

How To Leave My Vanilla Gift Without Being Noticed | my vanilla gift

I apperceive what you’re thinking: how can ambrosia cure grief? Well, in all honesty, it can’t — but it can accomplish it added manageable.

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I absent my mother and affectionate grandmother afore I could airing bottomward the aisle. My mother died first, suddenly, and my grandmother took over her role as acting mother. She anesthetized abroad abounding years later, at a abundant slower, added acute pace. My brother and I watched helplessly as age and Parkinson’s ravaged her anatomy and mind. Accident one ancestor is bad, but accident two affectionate abstracts at an aboriginal age — or any age — is indescribable.

Fortunately, my grandmother didn’t get abroad afore teaching me how to bake. Addition already told me that aback it comes to our memories, we bethink moments, not time. We won’t bethink those bags of acceptable or bad days, but the absolute moments that change our life’s direction. As I get older, I anamnesis beneath and beneath of my time as a child, but I could never balloon the aliment my grandmother aerated out. Especially on Jewish holidays.

I grew up Quaker. Or at atomic that’s how my ancestor approved to accession my brother and I. So, my Jewish grandmother would try to absorb as abounding non-traditional foods into Jewish holidays as she could. Enter the amber Swiss roll.

My grandmother admired us through her food. We’d break at her abode every added weekend, and she’d accomplish us all the aliment we could dream of: steak for breakfast, matzo brawl soup on holidays, and amber Swiss cycle for no (or any) acumen at all. That amber Swiss cycle is one of my ancient aliment memories… besides that one time my ancestor acrimonious up mashed potatoes, added amber abstract to them, and alleged them candied potatoes (but that’s a adventure for addition day).

OneVanilla Gift Card: All You Want to Know (Summarized) – my vanilla gift | my vanilla gift

The amber Swiss cycle had three layers: amber buttercream on the outside, amber blot block on the inside, and boilerplate buttercream in the center. At every Jewish holiday, I’d accomplish a beeline for it afore we alike got through dinner. My mother would try captivation me back, but somehow, my grandmother consistently managed to bastard me a sliver of the block afore we started dinner. This was how she admired me.

(CREME MACARONS/Courtesy Food52)

With any of my admired foods — a addiction that continues to this day — I alpha by bistro my atomic admired $.25 first, reserving the best for the end. In this case, the amber buttercream would go first, followed by the blot block afar from the boilerplate buttercream that I would flavor at the actual end. My grandmother would watch as I anxiously afar the layers, demography it as a assurance that I capital to apprentice how to bake. Funny affair is, I never abstruse how to accomplish those Swiss cycle until the actual end.

It was the aftermost year of her life, by which point my grandmother didn’t baker anymore, drive anymore, or do abundant of annihilation at all. Her kitchen no best smelled of brisket, matzo brawl soup, amber baking in the oven. In one of my abounding moments of panic, acumen that I was anon activity to lose the majority of my family, I affective one of my best friends, went to appointment my grandmother, and asked to apprentice how to accomplish that admirable amber roll.

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She began by teaching us how to accomplish the band of amber blot block on a area pan. She never bare a compound — aggregate was either memorized or fabricated up — but somehow aggregate still formed aural the burdensome ambit of baking. Not abandoned did it assignment anniversary time, it consistently angry out to be one of the best things we anytime ate. As she took us through the process, she’d stop now and again, her anamnesis bottomward abroad from her. Watching addition you adulation atomize appropriate in advanced of your eyes is like demography an arrow through the heart. Luckily, I had accomplished comestible academy at that point, and was able-bodied on my way to active my own bakery, so we were able to allotment it together.

The compound is appealing simple really. You accomplish a accepted buttercream compound and bisect it in half, authoritative one ancillary amber with amber powder, and the added ancillary boilerplate with boilerplate bean. The harder allotment is rolling the block afterwards disturbing it. I’ve apparent bodies accomplish Swiss rolls application a Silpat and rolling the block aback hot. However, I chase my grandmother’s method, application a apple-pie bowl anhydrate and a ton of confectioner’s amoroso to cycle the block while it’s brim hot — it’s not absolutely done until you’re covered in amoroso from arch to toe. The mess, my grandmother would say, was a assurance of acceptable aliment to come.

That was one of the aftermost times I can bethink her actuality (almost completely) in her appropriate mind, aback I still bent glimpses of her vivacity, her wit, her gift. Not too continued after, she died, all alone, in the auberge area of one of those assisted active centers.

My brother and I were out of accompaniment aback it happened. We were told she was accepting bigger afore we left, which now I can see was actual wrong. Aback I begin out, agitation crept in like a crippling virus. I won’t belie it (no pun intended), but ambidextrous with bifold the affliction was like aggravating to ability the apparent of water, out of breath, while addition pushes your arch aback under. My abandoned alleviation was that I now knew I could accumulate her bequest alive. So I started authoritative Swiss rolls.

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I begin a affectionate of accord in baking. The abstraction of shutting off the noises of the apple and anxiously absorption on one assignment from alpha to accomplishment became therapeutic. I began by recreating her amber Swiss roll, but confused into altered flavors, abacus my own artful to the recipe, which she consistently claimed was my allowance altered from hers. Red clover Swiss rolls, birthmark shortcake, amber cherry, dejected velvet, pistachio — consistently topped with amber shapes, beginning fruit, and beginning flowers. That was my appropriate blow that I knew she admired and encouraged.

From starting an online bakery, to creating bakeware supplies, and alike hosting a web series, I’ve kept affective through the loss, anniversary date of my baking career befitting her spirit and bequest alive. But sometimes, aback activity hits hard, aback I alpha to feel panic, or feel myself missing her intensely, I go aback to the original: that amber Swiss roll. I booty a abysmal breath, abutting my eyes, and booty in the balm — it consistently brings me aback to those moments in time aback I still had her. And again I sit bottomward to eat it, boring unraveling the layers, starting with the amber buttercream and catastrophe with savoring my memories of her. The best allotment for last.

Grandma’s Amber Swiss Roll

Dick’s Fresh Market – my vanilla gift | my vanilla gift

This adventure was originally appear on Food52.com: How My Grandma’s Swiss Cycle Helped Me Cope With Accident Her

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[android-for-life]

"Spot the scam, stop the scammers"

According to the Federal Trade Commission (FTC), people reported $1.9 billion lost to scams in 2019. Every minute, more than $3,600 disappeared from wallets and bank accounts in response to made-up stories of urgently overdue tax payments, bogus contest winnings, or a smooth-talking online suitor who suddenly needs some gift cards. A high-pressure phone call or exciting message can overcome many people’s judgment, especially if they are caught  at a vulnerable moment.

As the record-high scam reports keep coming, we’re providing support to the Cybercrime Support Network to help people identify scams before they fall victim to them through a new program called Scam Spotter, which simplifies expert advice with three golden rules. Remember to refer to these rules when you receive a suspicious phone call or message to figure out if it’s a scam:

Slow it down: Are they telling you it’s urgent? Take your time and ask questions to avoid being rushed into a bad situation.

Spot check: Are they claiming to be from a specific institution? Do your own research to double check the details you’re getting. 

Stop! Don’t send: Are they asking you to go to the store and get gift cards? If you think a payment feels fishy, it probably is.

Just because COVID-19 has disrupted everyone’s life, it doesn’t mean the scammers have taken a break. In fact, scammers have exploited the pandemic with alarming speed, taking advantage of fear and uncertainty. More than $40 million in fraud losses have been reported to the FTC related to a myriad of COVID-19 complaints. While the stories are new—invented stimulus packages, phoney charities, romantic interests who now have an uncle in the ICU—the same three golden rules apply equally well:

While people ages 25-40 are most likely to be scammed, research shows it’s seniors who stand to lose the most, with their median losses more than double the average. As one of the architects of the Internet and an executive sponsor of the “Greyglers,” an internal group that promotes awareness of age diversity and issues related to age, I feel obligated to try to help my fellow Americans stay safe.  It will take a cross-generational effort. Please consider sharing ScamSpotter.org the next time you talk to the seniors in your life. Maybe you can both take the quiz and compare your scores, too.

If we learn how to spot the bad actors, we can spend our time focusing on those moments that matter. And to the seniors out there, remember: of course the Internet is for us, we invented it!

Source : The Official Google Blog via Source information

[meghancheyenne]

Payday loans and Bankruptcy

Even though the holidays are over, people of every income range have been buying gifts for others and now the lenders want to collect. For many, this is just an added year-end expense. Others who feel the pressure to give to family and friends but don’t have the money may look for other ways to fund this seasonal expense. The ads for “payday” loans tend to prey upon that need, offering quick cash now with a short-term temporary loan. But before giving into temptation, be aware of the pitfalls that could affect your financial future into next year…and beyond.

What is a payday loan?

Also known as a cash advance or a check loan, a payday loan was originally given that name because repayment of the loan was typically due on the borrower’s next payday.

Some common features of payday loans include:

the loan is for a small amount, generally $500 or less;

repayment is usually due on the borrower’s next payday;

the date of your next payday is disclosed to the lender to allow the lender to draft a payment from your checking account when the payment is due; and

the loan has unusually high interest rates.

Generally, the loan can be used for whatever purpose it is needed: the necessary, such as an emergency medical bill or an overdue electricity payment, or the frivolous, such as a quick weekend trip. But the key to using the loan in the most advantageous way depends on when and how the loan is repaid.

The Trouble With Payday Loans

Regardless of when the loan is repaid, the interest rates charged by the lenders are exorbitant compared to other credit sources. Interest on credit cards typically ranges from 12 percent to 30 percent on an annualized basis. A payday loan, on the other hand, generally carries a finance of charge of $10 to $30 of every $100 loaned. The annual percentage rate (APR) on a charge of $15 per $100 rate would be about 400 percent.

The interest rate alone is bad, but the real problems begin when the loan is not repaid within the two-week period. Obviously, most people who turn to a payday loan for a critical expense one week are unlikely to be in a greatly improved financial position in two weeks. In many cases, the borrower has to rollover the loan to the next payday (or the next, or the next…) and the high interest rates continue to accrue.

Payday Lending Online

That’s an ugly picture, but it can get worse. Payday lending is illegal in many states, but lenders will often operate online in order to get at consumers across state lines. Beware the online payday lender – many of them are just scams. They’ll collect an upfront fee and leave you with nothing. The website (and your fee) will disappear into the night and you’ll be left with less cash than before.

Who uses payday loans?

When considering the “typical” payday loan borrower, the obvious answer is someone in at least short-term financial trouble. But a study done by Pew Research in 2012 provides more specific information: most payday loan borrowers are white women between the ages of 25-44. In addition, the study identified five groups that are more likely to take out a payday loan:

those without a four-year degree;

those who rent, rather than own, a home;

African-Americans;

those who earn less than $40,000 per year; and

those who are separated or divorced.

Payday Lending Under Pressure

Many states have outlawed payday loans, having found them to be predatory and taking advantage of the people who use them. On the other hand, the lenders may choose to not do business in states that do allow them because those states have tightened their regulations on payday lenders to the extent that the lenders no longer make enough of a profit in those states due to the restrictions on interest rates and fees.

In 2013, the Consumer Finance Protection Bureau launched an aggressive investigation into payday lenders and their effect on American finances, soliciting complaints from consumers about their experiences with the loans. A year later, the Bureau has investigated almost 1600 of these complaints. Of those investigations that have been closed, only about 11 percent have resulted in a favorable outcome for the borrower.

During its investigation, the CFPB found that about 12 million Americans use some form of these loans. But the most disturbing part of the investigation was the discovery that almost 4 out of every 5 of the loans are not repaid within 14 days, causing the continuing high-interest renewal or rollover. And over 60 percent of those borrowers roll the loan over so many times that the interest and other fees end up being more than the original loan amount.

One consumer group, the Consumer Federation of America, states that the fault with the system is that the lender focuses on the ability to collect, not necessarily the borrower’s ability to repay. With access to the borrower’s checking account or employer information, the lender is in a position to collect the money owed if necessary.  But why do that when more money can be accrued by just continuing to rollover the debt and increase the interest owed over and above what was originally loaned.

Another consumer group, Consumers Union, is looking for changes to be made and enforced in the industry. Among its recommendations are:

limit the fees and interest that can be charged on the loans;

make repayment schedules longer, e.g., a few months rather than a couple of weeks; and

put a cap on the number of payday loans one person can borrow in one year.

Payday Loans in Bankruptcy

For those whose financial picture doesn’t improve enough to stop the continual rollovers and renewals, bankruptcy may eventually be an option to consider. If taking out payday loans is all that keeps a budget afloat, it may be time to look at putting a stop to the revolving door.

While payday loans in general may be discharged in bankruptcy, there are situations where the lender may have a valid objection. First, some debts incurred within 70 to 90 days of filing bankruptcy cannot be discharged because the creditor may claim that the debt was incurred while planning to file bankruptcy and discharge the loan with no intention of ever paying it back.

Free Consultation with a South Jordan Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

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from Lawyer South Jordan Utah https://lawyersouthjordan.wordpress.com/2018/04/15/payday-loans-and-bankruptcy/

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32 Legitimate Ways to Make Money at Home

  So you need a way to make money from home. Hey, join the crowd. Nearly 4 million Americans are working from home these days. That’s more than the population of Oregon, Utah or Iowa.

In other words, there’s an invisible army of us clocking in and sitting down at our keyboards at home. A 2015 Gallup poll found that 37% of Americans have telecommuted in their careers — four times as many as in 1995.

Problem is, we all know the internet is chock full of work-from-home scams. So many ripoffs! Seriously, it’s like the Wild West out there, except there’s no Lone Ranger to put things right.

When you’re working from home, you’re truly on your own. You’ve got to look out for yourself, ’cause no one else will.

With that in mind, we’re trying to do you a solid.

We’ve scoured through thousands of different ideas to find you 32 unique ways to make money from home. I guarantee there are some in here you’ve never heard of.

The important thing is: These methods are all road-tested. These are all ideas we’ve tried before, so we know they’re real and that you’ll really get paid.

It’s no brilliant secret that investing can be a smart way to make money.

Sometimes, though, it feels restricted to a few wealthy elite.

But Stash is different. This app lets you start investing with as little as $5 and for just a $1 monthly fee for balances under $5,000. (The first month is free.)

Stash curates investments from professional fund managers and investors and lets you choose where to put your money.

But it leaves the complicated investment terms out of it. You just choose from a set of simple portfolios reflecting your beliefs, interests and goals.

Bonus: Right now, The Penny Hoarder is teaming up with Stash to fund your first investment — so you’ll get an extra $5 bonus to get started.

Pssstt… we’ve got a secret.

There’s a new rewards platform on the market. Drop is a financial-tech company that automatically rewards you for your purchases.

As an exclusive Drop user, all you have to do is link your credit and debit cards. When you make a Drop-qualified purchase, you’ll automatically earn points, whether you’re grocery shopping at Trader Joe’s, hailing an Uber or ordering a pizza

The points will add up, and you can then exchange them for gift cards to popular retailers like Amazon and Starbucks. It’s the ultimate loyalty card �� without the card.

You can sign up right here.

AP Photo/Ross D. Franklin

If you’re a regular Amazon shopper, you can earn money each month contributing to research to help companies understand what people are buying online.

Companies use this information to improve the online shopping experience.

Before you download an app called ShopTracker by Harris Poll, let us give you the basic requirements:

This will be a waste of time if you don’t shop on Amazon.

You must be 18 and live in the U.S.

You’ll need at least a Windows 7-compatible PC. If you have Windows XP or a Mac, it won’t work.

All good? Time to download.

Once you connect your Amazon account, you’ll receive your Visa e-gift card code for $3 via email within 48 hours — and another $3 every month you continue to share your purchase history.

Surveys aren’t the quickest way to make money, but they’re a great way to cash in on your down time. Fill them out while you’re watching TV, riding the bus or waiting in line.

One survey site we love is called InboxDollars. It offers several short, daily surveys you can take. If you take all of them each day, you could earn an extra $730 a year — not too bad.

As part of the Springboard Panel, you get to give feedback on a new ideas and test new products for extra cash. It rewards you with points you can use towards cash or gift cards. Plus, once you join the site, you’ll be entered to win a $1,000 and can earn additional entries for each survey you complete.

Sign up for Springboard here.

Tim Snell under Creative Commons

Don’t forget apps when you’re considering online money-making opportunities. A number of companies will actually pay you for downloading apps on your smartphone — and you’ll get paid for every month you keep them installed. The apps collect data and help companies better understand web and mobile usage — such as what times of day people browse, how long they stay on websites and use apps, and what types of sites and apps are popular (or not).

MobileXpression for Android: After you’ve installed this app for one week, you get to play an instant rewards game for a prize. (Everyone wins something.) We won a $25 Amazon gift card, but some of the other prizes include iPads and Samsung TVs.

MobileXpressions for iPhones – This one is the same as above, but for iPhones.

Nielsen Panel will pay you $50 a year to keep its app on your device and browse the web like you normally do. The information it collects remains totally anonymous. If you install it on your desktop computer, you’ll also be entered to win the company’s $10,000 monthly sweepstakes.

It turns out deleting your emails could be costing you serious money. Intrigued?

One of our secret weapons is called Paribus — a tool that gets you money back for your online purchases. It’s free to sign up, and once you do, it will scan your email archives for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund anytime there’s a price drop.

Plus, if your guaranteed shipment shows up late, Paribus will help you get money back for what you paid for shipping.

Does earning $60 an hour sound appealing? How about the freedom to work from home while helping others succeed?

Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers.

And no, you don’t have to have a CPA to be successful in this business. In fact, all you really need are decent computer skills and a passion for helping business owners tackle real-world problems.

It’s a great opportunity for moms who want to work part time, millennials who are just out of college and anyone who wants to bring in real money while working from home.

We talked to Robinson about what it takes to become a virtual bookkeeper, as well as tips and advice for making this career track work for you. You can read the full interview here, or check out his website for more information.

GeorgeRudy/Getty Images

Have you heard of MyPoints? It’s a cash-back site that lets you earn rewards by shopping online and printing coupons.

We love it around here, because it’s an instant way to save on everything you buy. For example, you can get up to 5% cash back on purchases in some categories on Amazon (i.e. where we shop for everything).

Plus, you can get a bonus $10 Amazon gift card when you sign up. Here’s how:

Sign up for MyPoints for free here using your email address or Facebook account.

Use the MyPoints portal next time you need to shop online. It’s connected to thousands of stores including faves like Walmart, Amazon and Target.

When you spend $10 at any of those stores, MyPoints will reward you with 1,750 bonus points, which you can redeem for a free $10 gift card of your choice.

SolisImages/Getty Images

Want to try real-estate investing without playing landlord? We found a company that helps you do just that.

Oh, and you don’t have to have hundreds of thousands of dollars, either. You can get started with a minimum investment of just $500. A company called Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.

This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

You can earn money through quarterly dividend payments and potential appreciation in the value of your shares, just like a stock. Cash flow typically comes from interest payments and property income (e.g. rent).

(But remember: Investments come with risk. While Fundrise has paid distributions every quarter since at least Q2 2016, dividend and principal payments are never guaranteed.)

You’ll pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee.

Interested? Get started with Fundrise here.

Have a bunch of movies or CDs collecting dust on a shelf? Decluttr will pay you for them!Decluttr buys your old CDs, DVDs, Blu-rays and video games, plus hardware like cell phones, tablets, game consoles and iPods.

One user, Gil Flores, sold about 100 DVDs and 75 CDs and made $275 — an average of $1.57 each.

Just download the app and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use; there are no listing or seller fees; payment is super fast and there’s even free shipping.

Plus, enter FREE5 at checkout to get an extra $5 for your trade-ins!

Have a spare room? Might as well use Airbnb to make some money by renting it out.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

Taking a few simple steps can make the difference between a great experience and a less-than-satisfactory one.

Here are a few tips:

Make your space available during high-demand times in your area. Think: concerts, conventions and sporting events.

Be a good host and make sure your place is stocked with the toiletries you’d expect at a hotel — toilet paper, soap and towels.

Be personable. A lot of travelers turn to Airbnb for the personal touch they won’t find at commercial properties.

Here’s the link to sign up as an Airbnb host.

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

Michael Krinke/ Getty Images

Have you added a ton of random knowledge to your repertoire over the years? Use it to earn some cash.

With the QuizXT app, you can test your smarts on topics like sports, history, music and more. You’ll earn rewards points for every answer you get right — so study up, Poindexter!

The app also pays you for taking surveys and playing other games. We know you’re hanging out on your phone, anyway — why not get paid to do it?

You can cash out via PayPal.

Itching to show off the history lessons you’ve learned watching “The Crown?” We thought so. Download the QuizXT app here to start flaunting your knowledge.

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Do you still have a prom outfit from, like, 10 years ago?

It’s never going to fit — or come into style — again, but something just keeps holding you back from sending it to Goodwill.

Maybe money could change your mind. Instead of storing clothes indefinitely, try selling them.

One app we especially like is letgo. You can literally list your clothes in less than a minute.

Rohappy/Getty Images

If you have a smartphone and a photographic eye, making money may have just gotten a lot easier. Oh yeah – you’ll also need access to marketable scenery.

There’s a new app called Foap that allows you to turn your smartphone photos into cash. Here’s how it works: You download the free app. You sign up for an account. You take a quality photo. You upload photo to Foap’s marketplace. Someone buys the license to your photo for $10. You make $5.

If your photo sells 20 times, you make $5 each time and end up with $100 in your pocket — all for about five minutes of work. Pretty cool, right?

vgajic/Getty Images

So this is the part where you scratch your head and say, “No way.”

HealthyWage is a program that allows you to place a bet on your weight-loss goals. The idea is that if nothing else, maybe, just maybe, a cash prize will motivate you.

It’s worked for many others.

Take, for example, Angie Richards, who bet herself she’d lose 40 pounds in six months. She ended up losing 52 pounds and winning $1,200.

Then there’s Katelyn Pincock and her husband, Cort, who each bet $75 per month for six months. They ended up winning $3,000.

Unfortunately, the program doesn’t come with a magical diet or sweatless workout regimen. But hopefully the potential to win some cash will help you keep your eyes on the prize.

Ibotta is an easy-to-use cash-back app that’s partnered with more than 50 retailers, just about anywhere you’d do any kind of shopping.

Before heading to the store, search for items on your shopping list within the app. Strawberries? Check. An ear of corn? Check. Add each cash-back opportunity to your list in the app.

Then shop.

When you get home, snap a photo of your receipt and scan the items’ barcodes.

Bam. Cash back.

Some cash-back opportunities we’ve seen include:

25 cents back for any item

25 cents back on strawberries

50 cents back on frozen fruit snacks

$1 back on a box of tea

$5 back on a case of Shiner Bock beer

Notice a lot of those aren’t tied to a brand — just shop for the staples on your list, and earn cash back!

Ibotta is free to download. Plus, you’ll get a $10 sign-up bonus after uploading your first receipt.

hidesy/Shutterstock

We’ve put together a huge list of banks that will pay you just to open an account! Some of them will pay you up to $250 just for opening a savings account!

There’s no harm in having multiple bank accounts. In fact, I often find it’s helpful to have multiple places to save (I’m less likely to touch the money), so I have savings accounts for my Christmas fund and my vacation fund.

The top bank bonus is $250 right now — head over to this list to see all of the banks in your area that are offering free cash.

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No extreme physical activity or pulled muscles required for this money-making trick. All you need to do is download the Shopkick app.

Once you sign up, the app pays you in “kicks” for walking into certain stores (including Walmart, Target, TJMaxx and more). These can be redeemed for gift cards to a number of retailers, including Amazon, Target, Walmart, Starbucks, Sephora and Best Buy.

It pays you even more “kicks” for photos of receipts that include qualifying items you purchased in-store with a connected credit or debit card. You can also earn kicks for online purchases. Bonus: You don’t have to do anything; your linked cards will automatically apply your kicks.

We’ve got an ultimate guide to using the app here.

PHILADELPHIA, PA – JAN 13, 2017: Lyft driver Paul Pruce in Philadelphia, Pennsylvania on January 13, 2017. (Jessica Kourkounis)

Need a fun, flexible way to earn money while also meeting lots of new people?

Try driving with Lyft!

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who’s been driving full-time with Lyft for over a year. He earns $750 a week as a driver.

Best of all, he does it on his own time. You can work days, nights or weekends — it’s up to you!

Because it’s simple to switch between apps, many Lyft drivers also sign up as a driver partner with Uber.

As a driver partner with Uber, you are an independent contractor. You create your own schedule and work as much or as little as you want.

If you want to give it a try, here are a few of the things to keep in mind: You must be at least 21 years old, have at least one year of licensed driving experience in the U.S. (three years if you are under 23 years old), have a valid US driver’s license and pass a background check.

Also, your car must be a four-door, seat at least four passengers (excluding the driver), be registered in-state and be covered by in-state insurance.

Here’s a link to sign up to use the Uber app.

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Believe it or not, some sites will give you free gift cards just for signing up with them.

One of our favorites is Ebates, a cash back shopping site. It’s giving away $10 gift cards if you sign up as a new member and earn your first cash-back rebate.

You can choose a $10 gift card for Walmart or $10 in Ebates cash for your next shopping trip on the site.

To earn your gift card:

Sign up for Ebates here with your email or Facebook account.

Make your first purchase through the site within 90 days, and spend at least $25.

Your account will be credited with rewards points you cash in for your $10 gift card.

You could make about $700 this month for evaluating search-engine results.

And the best part? Most of it can done while working from home — in pajamas. Let us explain…

Search engines use complicated algorithms to determine the results you see. For example, if you type the name of one of our writers, Steve Gillman, into a Google search box, a half-million possibly-relevant web pages will be narrowed down using various criteria until a second later, you see his smiling face.

You’ll also see links to his personal website, his blog on the Huffington Post and LinkedIn profiles for a bunch of guys who share his name.

But the search engines don’t always get it right.

They are full of errors, so they need real humans to look at the results and judge them for quality, relevance and usefulness. If you’re interested in this type of work, head over to our search-engine-evaluator article to get more info on how to apply.

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How many people do you know who bought an RV for one awesome camping trip or music festival… only to look back a few years later and realize they don’t use it as much as they thought they would?

If you’re in that boat (er, camper), you can turn your unused RV into cash.

You can rent your RV to other travelers through RVshare, a peer-to-peer rental marketplace.

How much you’ll earn per day will vary based on your location and the type of vehicle you have. We ran a quick hypothetical and found that Class A models made in the past 15 years range $185 to $375 a night here in St. Petersburg, Florida!

That’s a smart way to make your pricy RV pay for itself — or to bank some cash for your next big road trip.

To see how much you could earn renting out your RV, enter the specs here.

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Sometimes you want to go where everybody knows your name. And pays you. To drink beer.

Sound too good to be true?

Secret Hopper is a relatively new company that invites beer lovers to secret shop at breweries and rate their experience. Were you greeted when you came in? Did they offer a sampler? Did the bartender engage you in conversation?

There’s a rather extensive questionnaire you fill out after visiting the brewery, so it helps to review it beforehand. The Penny Hoarder’s own Tyler Omoth tried it out for himself. Read more about his experience here.

To signing up, just go to the web page and fill out the simple form with your age, gender and general beer knowledge.

There are plenty of other types of mystery shops, as well. Choose what fits your schedule so you can pick up retail shopping and restaurants, too, if you want to round out your day.

Americans throw away approximately 266 million tons of trash every year, and it turns out we might as well be throwing away cash.

There’s a reason dumpster diving has become so popular in recent years, and it’s because things you think are worth nothing often do have value.

Anything from your empty wine bottles to old magazines can be sold online. Here’s a full list of the things in your trash that might be worth cash.

Earning $5 at a time might not sound like much, but those little sales can add up to thousands of dollars.

That’s the idea behind Fiverr.com, an online platform where users sell their products and services for $5 each. Fiverr says users create 5,600 new listings, or “gigs,” every day.

Gigs range from the standard data entry and research tasks to the truly out-there. For example, at the time this was written, sellers in the Fun and Lifestyle section were offering:

A piece of rare metal that will melt in your hand

A prank phone call to anyone you choose

Three balloons released into the sky with your message in them

Your name written on two grains of rice

A photo of you on the cover of “Rolling Stone”

A video of a woman pretending to be “crazy in love with you” — which has 253 buyers and a 98% positive rating so far

You can seriously sell almost anything on Fiverr. Here are some more ideas.

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Data entry isn’t the best-paying online job, but it is one you can do with few skills or previous experience.

Typically, all you need is a computer and internet connection. Fire up a pot of coffee and find online data-entry jobs through these freelancing sites:

Smart Crowd

Clickworker

DionData Solutions

Carmen Mandato/ The Penny Hoarder

Education is one of the world’s leading industries, and the private tutoring market alone is expected to top $102 billion by this year.

Have you ever considered becoming an online tutor to make extra money at home?  Well, if you haven’t, you most certainly should.  You can make some serious coin by answering students’ questions, explaining your notes and uploading tutorials.

That’s right — by sharing your knowledge, you can be rewarded handsomely.

Try marketing your services on a site like Tutor.com, where instructors earn $9 to $13 per hour, plus $5.50 per hour just for being logged in waiting for students.

We’ve talked before about ways to get paid to spend time with cats and dogs, but this is a new one: pet massage.

That’s right — some people earn money for massaging animals. It might sound a little strange, but apparently many cats and dogs enjoy a good massage as much as humans do.

If you like petting your furry friends, why not explore this option? With a bit of training, you can make $50 per hour as a pet massage therapist. Here’s how to get started.

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Ever seen a board game in the thrift store but noticed with great sadness it was missing half the pieces?

You might want to put the game in your shopping cart anyway. One Penny Hoarder made $250 in six months selling spare board game pieces online. You can even sell “mystery bags” of pieces for $12 a pop!

It might take some time for your listings to sell, but if you follow Laura’s guide, you can probably make $100 in about three months.

Can you sum up a product in a sentence? Think of something funny — and not another joke about too many candles — to put on a birthday card? Make a point in few concise words?

If so, you might be able to make money writing slogans.

Companies sometimes need new corporate taglines, advertising slogans and jingles. Bumper sticker and greeting card makers want cute, endearing or funny thoughts to put on their products.

When these businesses need help, they sometimes collect submissions from freelance writers or run contests anyone can enter — including you.

Try one or more of these platforms to get started:

Slogan Slingers helps companies create slogan contests, in which their registered writers compete. It’s free to sign up as a writer, and the company claims you can make up to $999 per contest (minus its small admin fee).

Get a Slogan is a crowdsourcing platform that brings in custom, creative and catchy slogans from a variety of sloganeers. Companies come to them for help, and writers submit their ideas. It’s free to sign up, but you initially have only “qualifying” status. Once you’re upgraded to “qualified,” you’ll receive $50 for each of your winning slogans.

Freelancer.com has a section devoted to slogan-writing projects, which are sometimes run as contests. For example, at the moment, a personal-injury law firm is offering $150 for the best “unique and memorable tagline/slogan.”

Do you like to stay up-to-date on the latest popular — and not-so-popular — TV shows? Get paid for the TV you’re watching in your spare time by writing reviews.

Writing about TV comes in a lot of forms, according to NPR television reporter Linda Holmes. Lots of sites pay writers to review or recap shows, but different types of write-ups require different tones.

You could do a straightforward review of the craft of the show, search for symbolism in the story or start a conversation with readers about the lives of the characters.

If you prefer a bit of snark, you might write for a site that prefers to riff on TV shows. These turn your review into an opportunity for biting punchlines.

A few places to get you started:

Pitch Previously.TV editors your ideas here.

If superheros are more your speed, check out this recapper job with HollywoodLife.

Get your foot in the door at Mic writing TV show recaps.

Carmen Mandato/ The Penny Hoarder

Acorns is a simple savings and investment app that rounds your credit or debit card purchases up to the nearest dollar and invests the digital change.

You can connect the app to your credit or debit card and let it automatically round up all your transactions, or manually round up only the ones you choose.

Contributor CJ Reid does the latter, accepting roundups of less than $0.50, such as his $3.60 cup of coffee.

“Rounding up 40 cents here and 25 cents there moves me swiftly enough to $5 so that I can begin investing without putting myself into the red,” she says.

Once your round ups reach $5, that amount will be transferred from your bank to your Acorns account, and invested into your chosen portfolio.

“Acorns makes it easy to invest by removing the responsibility of choosing individual investments or worrying about trades,” Reid explains. “You don’t need any previous investment knowledge or history.”

And once you get the process automated, Acorns investments make your digital change work for you.

“With a conservative portfolio,” Reid says, “I turned $15 into $19 within a few weeks.”

You can sign up and download the app for a $5 bonus here.

Good luck! Let us know below if any of these opportunities helped you make money from home.