Claim This Aspiration Bonus to Get $100

Claim This Aspiration Bonus to Get $100

The end of the month always has this way of creeping up.

“How is it already the end of February?!you’ll exclaim.

But you don’t want to miss Feb. 29 this year. Not only is it leap day, you can also claim a $100 bonus if you open a free Aspiration account.

It takes less than five minutes, so we suggest you go ahead and do this now before it’s suddenly March 1.

Here’s what you’ll need to do to pocket that $100 bonus:

  • Open your Aspiration Spend & Save Account by Feb. 29, 2020.
  • Set up and receive a direct deposit from your paycheck or government benefits by June 30, 2020.

That’s all! You’re good to go! Keep your eyes peeled for that $100, which will appear in your account by July 17, 2020.

And Aspiration doesn’t have any hidden fees — no account minimums, no monthly maintenance fees and no overdraft fees. You can even get reimbursed for five ATM charges each month.

Even better? Your account comes with a debit card that gets you up to 5% cash back on your debit purchases. Plus you’ll earn up to 11 times the average interest on the money you set aside to save (the FDIC reports that the average account earns just .09%).

Note: This bonus is not advertised on Aspiration’s website but available to The Penny Hoarder readers who use this special link.

This takes all of five minutes, so why not treat yourself (and your shiny new account with all the perks) to an extra $100?

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

Now that Wealthsimple Trade has launched, and the robo advisor service has gotten so popular, I figured that it was time to take a serious look at the service.  If you’re the TLDR type, then this Wealthsimple review might be a bit lengthy for your tastes.  Feel free to navigate using our table of contents…

The post Wealthsimple Review 2020 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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“Never Touch” Board Books as low as $5.16!

This post may contain affiliate links. Read my disclosure policy here.

These “Never Touch” Board Books would make great Easter basket fillers!

Never Touch Books

Amazon has several of the “Never Touch” Board Books for a great price right now! These would make great Easter basket gifts!

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Thanks, Midwest Money Saving Mommas!

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*HOT* Kindle Unlimited Trial: Completely FREE 2-Month Subscription ($19.98 Value!!)

This post may contain affiliate links. Read my disclosure policy here.

If you’ve been wanting to try Kindle Unlimited, don’t miss this FREE 2-month Kindle Unlimited Trial! It’s a great opportunity to score some fantastic reads for free.

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Through March 1st, you can sign up to get a FREE two-month subscription to Kindle Unlimited! And the best part is that you can take advantage of this deal even if you’ve signed up in the past!

Since Kindle Unlimited is usually priced at $9.99 per month, this is a RARE savings of $19.98! This is a fantastic deal and we haven’t seen a FREE two-month Kindle Unlimited deal in a while.

The Day the World Came to Town

When you sign up for this deal, you’ll get access to over 700,000 ebooks and thousands of audiobooks — all for free!

The available books change pretty often, but right now they have The Day the World Came to Town — a book I read last year and absolutely loved! I highly recommend reading it.

Free 2-Month Kindle Unlimited Trial

Interested in this deal? Here’s how it works:

  • Sign up for a free 2-month subscription to Kindle Unlimited
  • Click on the Kindle Unlimited tab in your Amazon bar to search for available titles (you can search individually or sort by genre).
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  • Once you’ve finished reading a title, just return it and borrow another.
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Best Cheap Renters Insurance in Wyoming 2020

Wyoming is not one of the largest states in the United States; in fact, its 97,000 square miles is home to fewer than 600,000 people. Renting is not easy here, where 69.4% of housing is owner-occupied, but rent is certainly far more affordable at $843 compared to the average mortgage of $1,428.

Renters insurance is a must when you rent your home. It protects you from liability and helps you cover costs if your items are damaged, and some landlords even require renters insurance in the lease. It’s crucial that you find the right coverage for your home and belongings at a price you can afford, and in Wyoming, insurance can vary greatly.

This is what you need to know before you buy your next Wyoming renters insurance policy.

Find the Best Renter Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Best rental insurance companies in Wyoming

When purchasing renters insurance, there are several points to consider. Wyoming may be a low-risk state when compared to renters insurance in other states like Florida or California. However, crime and acts of nature do occur, so you need to have the proper coverage in case the unthinkable happens.

Here are our picks for the 2020’s best cheap renters insurance in Wyoming.

  • Allstate: Allstate is a solid choice. It’s known for helping people “be in good hands” and is a helpful option if you want to bundle renters insurance with auto. You can enjoy quick claims processing and affordable pricing on your renters insurance policy.
  • Amica: Amica has made a name for itself with its superior customer service standards, offering in-person agent interaction for help with your policy.
  • Geico: Geico boasts a 4 out 5 rating from Consumer Affairs for strong customer service paired with solid coverage that is reliable and effective.
  • State Farm: State Farm makes it affordable to have renters insurance regardless of your income, with an optional higher deductible for your policy so you can enjoy a lower monthly payment and better protection.
AM Best financial rating J.D. Power customer satisfaction rating Better Business Bureau (BBB) rating
Allstate A+ (Superior) 2 out of 5 A+
Amica A+ (Superior) Not rated A+
Geico A++ (Superior) Not rated A+
State Farm A++ (Superior) 5 out of 5 A+

Not all insurance companies are created the same, and people have different wants and needs for their insurance. These are the areas where each company shines.

Cheapest Wyoming renters insurance for basic coverage: Geico

Geico consistently rates among the most reasonable renters policies, and it offers some great options for minimum coverage at affordable rates, regardless of your credit history.

Cheapest Wyoming renters insurance for discounts: State Farm

State Farm makes it easy to save with an expansive savings program that includes discounts like multi-line and home security savings.

Cheapest Wyoming renters insurance for excellent customer service: Amica

Amica isn’t as well-known as some of the other Wyoming renters insurance companies, but it is our top pick for best customer service, having been voted the highest in customer satisfaction for the property insurance claim experience.

Cheapest Wyoming renters insurance for multi-policy bundles: Allstate

Allstate is known for offering one of the best car insurance policies, so it is an excellent choice if you’re looking to save some money on your auto policy too. The company specializes in extended coverage, so you never have to worry if disaster strikes.

These are the average annual rates for a Wyoming renters insurance policy. This is based upon $100,000 liability coverage for a 1,000 square foot rental property.

  • State Farm: $125
  • Allstate: $175
  • Amica: $208
  • Geico: $243

Frequently asked questions

How much renters insurance do I need in Wyoming?

Renters insurance is not legally required in Wyoming, but it is always a good idea even if your landlord doesn’t require it. Theft and crime occur regularly throughout every corner of the state, and you want to know your belongings are secure if you ever fall victim. Renters insurance can also help cover costs if someone is injured at your home and you are found liable or your dog bites someone.

What is the cheapest renters insurance company in Wyoming?

The cheapest renters insurance company in Wyoming will ultimately depend on you and your needs. Renters insurance policies are customized to each individual, using things like your address, your home’s size and construction and typical weather patterns to establish appropriate coverage. Get several quotes to find the cheapest renters insurance for you.

What does my Wyoming renters insurance policy cover?

Your insurance company will help you develop a renters insurance policy that provides protection from damage and loss. This not only includes common hazards like theft and fire, but it will also protect you from other expenses, such as medical expenses, liability coverage and housing fees in the event that your home becomes inhabitable.

What information do I need to provide for Wyoming renters insurance?

You will need to provide your personal details, including your birthday and social security number. Your address will also be necessary, as well as any relevant details for your property, such as its size and building type. You will also need to include the number of people who live at your address and the value of your personal property that you want to insure.

The post Best Cheap Renters Insurance in Wyoming 2020 appeared first on The Simple Dollar.

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Passive income ideas you can try today

Earlier this week, J.D. wrote about what he calls the biggest truth in personal finance: You can’t get rich through frugality alone. As Liz at Frugalwoods says, “You can’t frugalize income you don’t earn.” Income is one-half the fundamental personal-finance equation, and it’s probably the most important half.

J.D. advocates a three-pronged attack for boosting income: becoming better educated, becoming a more valuable worker, and learning to negotiate salary. But I think he’s missing a fourth important income source: the proverbial “passive income”.

I know, I know. Passive income has a bad reputation. Actually, passive income has a terrible reputation. And deservedly so. The Land of Passive Income is populated by scammers, hucksters, and charlatans. “Hey, little boy, wanna buy my course?” (Sorry, no links. They’re easy enough to find without us helping them.) That’s too bad because legit sources of passive income can be a great way to make more money.

What is Passive Income?

First up, let’s be clear: Actual passive “passive income” (as pitched by the scammers) is a lie. It doesn’t exist. When we talk about passive income, we’re talking about ways to make minimal money with minimal effort. Does that make sense? And it’s a supplement to your main income, not the primary source.

To me, passive income is money that’s earned, usually on a recurring basis, without a significant time investment.

For example, if you own a rental property that brings in $1500 each month, but only requires two or three hours of time to manage, that’s (mostly) passive income. Most nine-to-five jobs are the opposite of this. The income you earn is tied closely to the amount of time you spend at the office.

That’s not to say that passive income doesn’t require effort, though.

Often, there’s a lot of upfront work required before income can become passive. Using the same rental property example, before you can make any money, you have to purchase and renovate the property, and spend time advertising and interviewing potential tenants. All of that takes time and money.

Or, take J.D.’s book as an example. When I asked, he told me that he spent four months working full-time in 2009 and 2010 to write Your Money: The Missing Manual. That’s not passive! But he hasn’t touched the thing since then, and he continues to receive $50 checks every month. That is passive.

Passive Income Ideas You Can Try Today

Some degree of passive income is possible — and without shyster shenanigans. In this article, I’ve compiled 40 passive income ideas for you to consider. Not all of these passive income ideas will be right for you. In fact, maybe none of them will fit you. That’s okay. But I’m willing to bet that many GRS readers will find at least one source of inspiration here that they can use to help increase their income…even if it’s only a few dollars per month.

Passive income ideas involving personal finance choices

Pay Down Your Debt

Debt reduction isn’t the first thing that comes to mind for most people when they’re looking for ways to increase their income. But it should be.

Monthly payments on anything from high interest credit cards to expensive car loans can be a real drain on your bottom line. Sometimes the easiest way to improve cash flow is not to make more money, but to lower your expenses.

I recommend that you start by totalling up your debt, and then look for ways to pay it down more quickly. Depending on your situation, you might consider combining everything into one manageable payment, by taking out a consolidation loan. If you do have a large car loan payment, and are feeling stuck, you might be better off in the long run cutting your losses, and downgrading to a more modest vehicle.

(Need more help? Here’s our guide on how to get out of debt.)

Invest in a High Interest Savings Account

There’s no longer an excuse to have your cash sitting in a checking or savings account not accruing interest. These days, you can find a ton of online savings accounts offering a solid yield. Everything about this income is passive. In most cases, you can open an account within minutes from the comfort of your living room, have your funds transferred in, and start earning interest on your cash savings almost immediately. You won’t get rich with a savings account, but it’s a great way to get your emergency fund working for you. Here’s a list of some of the top savings accounts available today. Remember that rates are subject to change:

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Invest in Certificates of Deposit

If you are interested in earning a higher yield on your money than a savings account will offer, without the volatility that comes with stock market investing, a Certificate of Deposit (CD) can be a nice alternative that will earn passive income. CDs are commonly offered by banks and credit unions, and allow you to invest your money for a fixed time period, from just a few days to several years. Typically, the longer you lock in your money, the higher the return. CD yields should keep pace with inflation, with the downside being that you don’t have access to your funds on a day-to-day basis. What they do give you is a source of passive income without the risk.

Earn Income in a Checking Account

Checking accounts are not known to be a place where you can earn income, that’s what savings accounts and other investments are for. But these days, there are a growing number of checking accounts that will pay you a tiny percentage yield on your balance. While it may only be a couple of dollars here or there, it can help to negate some of the other fees you might incur on your account.

Robo-Advisor Investing

AI technology has reduced the amount of effort required to do so many things, including investing. You no longer need to meet face to face with an investment advisor to build a suitable investment portfolio.

Nowadays, you can sign up with a robo-advisor like Betterment, or Wealthsimple, and have a customized portfolio ready in minutes. From there, you’re on your way to building passive investment income. Of course, you’ll need to provide your robo-advisor with the pertinent details, such as your investment objective, risk tolerance, and investment time frame, but from there, your money will be invested in a hands off, low fee ETF portfolio that is automatically rebalanced on a regular basis.

Recommended robo-advisors

Invest in Dividend Stocks

One of the ways publicly traded companies return value to their shareholders is in the form of dividends. One of the best ways to create passive income is by buying stocks that have a history of paying dividends. As the value of your investment grows, your dividend will also grow, creating a steady source of passive income.

If you stick with it long enough, you may earn enough to live off of the dividend income, while leaving your capital to appreciate in value as share prices rise. The combination of dividends and capital gains makes for a great 1-2 punch of passive income. With most discount brokerages like E-Trade and Charles Schwab now offering free stock trades, investing in the stock market has never been more affordable.

And here’s our introduction to dividend reinvestment plans.

Invest in a REIT

Real Estate Investment Trusts (REITs) are an easy and affordable way to invest in a well diversified real estate investment portfolio. The income from a REIT is even more passive than owning a rental property, because you don’t have the upfront work of finding tenants, not to mention the ongoing maintenance. A REIT is similar to a mutual fund, in that you purchase units of a REIT. Income comes in the form of profit earned by the REIT. Companies like Fundrise have made REIT investing even easier with their crowdsourcing approach, allowing you to get started for as little as $500.

Peer-to-Peer Lending

Peer-to-peer lending, otherwise known as P2P lending, is an online platform that matches lenders and borrowers. Here’s how it works. Individuals, or in the case of a lender like Worthy, small businesses, borrow money from hundreds, even thousands of individual lenders, who have pooled their money together. Once the borrower repays their loan in full, the lender gets their principal investment back, along with interest. Because they lack the high overhead of traditional brick and mortar lenders, peer-to-peer lending companies are able to issue loans at lower interest rates, while providing better than average returns for investors. Here are a few of the more well known P2P lending companies:

Peer-to-Peer Lenders

Use a Rewards Credit Card

One of my favorite ways to make passive income is by using a rewards credit card. Every month, I run the majority of my spending through my travel credit card, which in turn earns points that I can use to pay for flights, hotels, car rentals, you name it. The card also comes with private airport lounge access, and a full suite of complimentary travel insurance.

Of course, credit card points will only benefit you if you are able to pay off the balance in full every month. If not, the interest you’ll pay will far exceed any points you’ll earn towards free travel or cash back. If you don’t already have a travel rewards credit card, or aren’t happy with yours, check out our handy travel credit card comparison tool.

Passive income ideas involving residual income

Buy Vending Machines

Vending machines have been around forever, and they remain a tried and true way to earn passive income. You’ll need to check on your machines regularly and keep them filled with product, but otherwise there’s little to no work involved in the day-to-day operation. If you can find the perfect locations for your machines, it’s like having your own personal ATM. Vending machines can vary from a simple gumball dispenser, to a snack or soda machine.

Rent Your Space

If you have a spare room in your home, or an entire house you can make available to guests, you can earn passive income by renting out your space through sites like AirBnb and VRBO. This is a great way to get your property working for you, and for the most part, the income is passive. You don’t even have to worry about marketing, as the sites you list on will bring your customers to you. Your job is to decide when and how often you want to list, and that the space is clean and ready to accept guests.

Buy a Rental Property

There are a number of ways you can create passive income with real estate, one of them being to own a rental property. Often, the lowest barrier to entry is to keep your existing home as a rental when you move. Not everything about owning a rental property is passive, mind you. You’ll need to look after any required maintenance, and of course, screening potential tenants takes time. But if you can find a solid tenant for your rental, you should be able to sit back and watch the money roll in.

Here’s our guide to getting started with real-estate investing.

Purchase a Self-Storage Facility

With the industry now approaching $40B, self-storage facilities have become a massive business in the US. While there is a large upfront investment required, if you have the resources, building or buying a self-storage facility can be a great way to earn passive income. The revenue is recurring as well, with most customers renting units on a monthly or annual basis.

Display Ads on Your Car

Did you know? There are companies that will pay you to wrap your car in advertising. If you don’t mind driving a billboard on wheels, Wrapify will pay you upwards of $100/week to display advertising on your car. The amount of passive income you’ll make will depend on how far you drive, and where you live. By connecting to an app on your mobile device, Wrapify can track your mileage as you drive.

Rent Out Your Car

The sharing economy has brought about plenty of side hustles that make it possible to earn money by letting others use your stuff. Take your car for example. If you have a late-model vehicle sitting in your driveway for hours at a time, you can make some extra cash by renting it out on an app like Turo.

Turo connects vehicle owners with people who need a car to drive, and are looking to avoid the high prices that car rental agencies charge. The nicer your car, the more money you can charge. The best part is that Turo does most of the heavy lifting, by bringing customers to you, and managing the payment and insurance component of the transaction.

Rent Out Your RV

Owning a motorhome is enough to stretch most people’s budget, but thanks to companies like Outdoorsy and RVShare, you now have the option of renting out your RV when it’s not in use. They connect you with renters via a mobile app, and you get to set the price, and the time period when your RV will be available. With an average rate of around $200/day, you could even make enough money to pay for your own RV adventures.

Rent Out Your Boat

If you own a nice boat, you can list it on sites like Boatsetter, and rent it out to someone who will use it for fishing, sailing, or watersports with friends. Depending on how passive you want this to be, you can choose to captain the boat, or leave it for your guests to manage on their own. Like RVs, boats are a luxury item that don’t often get used, making this an ideal passive income source. I ran a couple of searches on Boatsetter and GetMyBoat, and found rates in excess of $1000 for a full day.

Rent Out Your Stuff

We’ve covered cars, RVs, and boats, but the list of things you can rent out doesn’t end there. You can list cameras, tools, even sports equipment on a site like Peer Renters, and make money by renting them out to people who perhaps can’t afford to purchase the items outright, or just have a limited use for the item.

Passive income ideas involving residual income

Sell Handcrafted Goods on Etsy

If you are crafty, you can sell your creations on Etsy, a massive online marketplace for handcrafted goods. Depending on the amount of labor involved in making your product, this might be a less passive form of income, but Etsy allows you to expand your reach beyond local craft shows. Whether it’s handcrafted jewellery, clothing, soap, or kids toys, Etsy places your creations in front of a global audience.

The former Mrs. Money Mustache uses Etsy to earn extra income.

Design and Sell T-shirts Online

Through marketplaces like Merch by Amazon, you can make your own t-shirt designs and sell them online. What makes this a great side hustle is that there is little to no upfront cost. You simply upload your designs, and Amazon fulfills your orders on-demand, including shipping. You earn a royalty for every shirt that’s ordered. All you need to do is come up with a great design that will sell.

Dave from Accidental FIRE designs and sells t-shirts online. (J.D. says he wants a few of these!)

Become a Rideshare Driver

If you have a decent car, enjoy driving, and don’t mind interacting with people, you can make decent money by driving for a rideshare company like Uber, or Lyft. One nice thing about this side hustle, is the flexibility. You choose when and how often you want to work. Of course, this income source isn’t purely passive. You’ll need to trade your time to make money. That said, there are plenty of jobs out there that are a lot more labor intensive than chatting with customers as you shuttle them around town.

Last year, our pal Josh Overmyer shared the pros and cons of becoming a rideshare driver here at GRS.

Get Paid to Shop Online

Websites like Rakuten (formerly Ebates) pay you to shop online. When you shop at your favorite retailers directly from the Rakuten website, you’ll earn up to 20% cash back, which is paid to you via a monthly check or PayPal. You can also redeem your rewards for gift cards to your favorite stores. Sign up for Rakuten, and start earning passive income while you shop.

Complete Online Surveys

Let’s be clear, no one will ever get rich by taking online surveys. In fact, there are a lot of scams out there that are nothing more than a complete waste of time. But if you have some time on your hands, and you just want to make a few extra bucks, online surveys can help. You can complete surveys while doing other things, like watching TV, or riding on the bus. Survey Junkie and Swagbucks are two of the more reputable sites out there.

J.D.’s girlfriend has tried online surveys. Her verdict? They’re fun and you can make some extra money while watching TV, but you won’t get rich with them.

Earn Songwriting Royalties

If you love to write music, you can create passive income by recording your songs and then publishing them through a variety of channels. You earn royalties anytime your music is played on streaming services like Apple Music, or Spotify, or played on the radio. You can even license your music for TV, movies, and videos without the backing of a major record label. Companies like Tunecore and CDBaby work with independent artists by publishing their music worldwide, then collecting and paying out any royalties that are due. This is a great passive income stream that can last for many years.

Purchase Music Royalties

Perhaps your talent isn’t to write music. That’s ok, you can still get into the music royalty game by purchasing the rights to song catalogues owned by other artists. Royalty Exchange is an online auction that allows you to bid on existing music catalogues. These are songs that are already earning regular, passive income for their current owners. When you purchase music royalties, you’re buying the future cash flow, which is purely passive income.

Photo Licensing

Photographers can build passive income by selling stock photos online. You’ll need to produce lots of content to earn a decent amount of money, but it can be a nice supplement to other, more labor intensive work, like wedding or family photography. One benefit to stock photo licensing is that you can sell the same pictures to many different buyers. There are no shortage of stock photo websites where you can sell your work. Dreamstime and Snapwire are just two of the more popular stock photo sites out there.

Record an Audiobook

One of the best ways for content creators to increase their income is by releasing their content in as many formats as possible. For example, if you’ve written a paperback book, or even an ebook, you’ll want to consider recording an audiobook version. There are no shortage of people who prefer listening to books instead of reading them. You can record the audio yourself, or pay someone else to do it for you. Once your audiobook is ready to go, it can be available for purchase online for years, making it the ideal passive income source.

Sign up for Sleep Studies

To some, this may seem like the dream way to earn passive income, no pun intended. Sleep researchers need test subjects for their studies, and it’s a gig that can pay very well. That said, it’s not as easy as it may sound. Often, participants are required to put on hold many of their daily routines ie. social media, extracurricular activities. If this is something you think you’d like to do in the name of science, you can begin by searching this government website for available opportunities.

Sell Your Data

I’m personally not a fan of this passive income idea, because I value my privacy, but there are companies that will pay you to share your smartphone data with them. For it to work, you need to install an app on your phone that records your activity throughout the week. The money isn’t great, $5 or $10/month, but if you’re open to this kind of thing, it certainly qualifies as passive income.

Passive income ideas involving the internet

Buy an Existing Website

If you prefer to start earning passive income instantly, you may want to consider purchasing an existing website or blog that’s already generating cash flow. This is a great way to get involved in an online business without having to build it from scratch. There are thousands of websites available for sale through online marketplaces like Flippa, and in many cases, these businesses are already producing a positive cashflow every month.

Of course, the more income they’re producing, the higher the purchase price. On average, you can expect to pay a 2-3X multiple on the annual income earned by the website. Also, it’s important that you do your research before you buy. Make sure the monthly income is stable, and that the potential is there for continued growth. Also, I recommend sticking with a niche that you understand, and have some expertise or prior knowledge of.

Buy and Sell Domain Names

Buying and selling domain names is a bit like trading on the stock market. The goal is to buy low, and sell high, but there can be some risk involved. There are people who earn good money buying domain names that they believe will increase in value over time, with the hopes of selling at a profit. If this sounds like a passive income strategy you’d be interested in trying, here are some tips on selling domain names for profit.

Of course, you could always be like J.D., who owns dozens of domains that he’ll never use. Silly man.

Start a Blog

Whenever I write about blogging as a way of making money, it’s usually good for a few raised eyebrows. It seems everyone is starting a blog, hoping to make money. Can it be done? Absolutely, but you need to be willing to play the long game.

Over time, it’s possible to create multiple passive income streams with a blog, through affiliate marketing, or display advertising, for example. But building a blog from scratch is anything but passive. You’ll need to be consistent in creating new content, and spend time promoting your blog. One of the best things about blogging is the low barrier of entry. If you have a computer and a wifi connection, you can get started for as little as a few dollars per month.

But maintain realistic expectations. Even this website doesn’t produce a full-time income at the moment!

Start a Podcast

It seems everyone has a podcast these days, and while many people do it out of pure enjoyment, there’s a lot of money that can be made. As you build a reliable following, you can begin selling advertising via sponsorships to brands that wish to get in front of your audience. Make no mistake, there’s a lot of work involved in finding guests and conducting interviews, but the opportunity to build a passive income stream is there. One way to reduce your workload is by outsourcing tasks to writers, podcast editors, and graphic designers.

Start a YouTube Channel

If you can consistently create videos that people want to watch, you can build an audience on Youtube. This is important, because with an audience, you can begin to make money, by joining the YouTube Partner Program. Most of your earnings will come from ads, which are aired within your video content, however, there are more ways to make money. YouTube can also drive traffic to your website and social media channels, making the passive income opportunities endless.

Sell Digital Products/Downloadables

Thousands of people earn passive income by creating digital products that people can download and use. From spreadsheets to productivity tools, calendars and checklists, the possibilities are endless. Once you’ve created your winning product, you can make it available for download on your own website, or through a third party platform like Gumroad.

Develop an Online Course

If you have expertise in a specific area, rest assured there’s someone out there willing to pay you for your knowledge. You can create an ebook on the topic, or develop an online course, and then sell it on your own website, or on an online learning marketplace like Udemy. No skill is too small to share with others. You could sell a course on creating a killer resume, starting a podcast, or how to travel hack a trip to Europe. With online courses, most of the hard work happens early on, when you’re creating the content. From there, with an effective marketing strategy, you’ll have yourself a nice, passive income stream.

When J.D. created his Get Rich Slowly course in 2014, it took several months of full-time work. But when he was finished, he had a nice source of passive income.

Run Website Display Ads

If you have your own website, you can sign up to have ads displayed within the content on your site. The most well known ad service is Google Adsense. Adsense displays ads that are relevant to your site content and that match your visitors preferences. When guests engage with an ad, you make money. Also, the higher your site traffic, the higher your income. What I like about display ads is that it really is passive income. Once your ads are set up, there is no work involved, leaving you to focus on what you do best, which is run a great website.

Affiliate Marketing

If you have your own blog or website, one of the best ways to make passive income is through affiliate marketing. Affiliate marketing involves promoting someone else’s product or service, and earning a commission whenever a sale is generated directly from your recommendation. The most well known affiliate program may be the one run by online retail giant Amazon, but there are thousands of other companies with programs of their own. Affiliate income takes time to build, but if you’re successful, it can be one of the best ways to make passive income.

Dropshipping

Dropshipping is a form of e-commerce where the seller doesn’t hold the product, instead, it’s shipped to the customer directly from the supplier. The seller’s job is to find products to buy at a wholesale price, and then sell them at the retail price, by advertising them through an e-commerce store, like Shopify. When orders are placed, they go directly to the supplier who ships the product to the customer. The seller profits from the spread between the retail and wholesale price. Dropshipping has become very competitive, but if you can find a product that people want, and sell it at a profit, there’s lots of passive income to be made.

Learn to Outsource

If you’re an entrepreneur, chances are you have a tendency to want to control all aspects of your business. After all, no one else understands it like you do, nor is anyone else as invested as you are. But the problem with doing everything yourself is that the money you make becomes anything but passive.

Many business owners burnout simply because they’re not willing to outsource tasks to others. These days, it’s easy to hire a virtual assistant, or other freelancers who can perform a wide variety of tasks. This frees up time for you to focus on doing the things that only you can do. Upwork and Fiverr are good places to start looking for freelance talent.

Final Thoughts on Passive Income

Back in 2007, when this blog was young, J.D. reviewed Don Lancaster’s 1978 book, The Incredible Secret Money Machine, a book loved by J.D.’s father. (The book is now available as a free PDF from the author’s website.)

The book’s premise is simple: Create a series of “money machines” that generate a steady supply of “nickels”. Although the book is overtly about creating small, hobby businesses, it covertly embraces the “passive income” mentality. Lancaster urges readers to create lifestyle businesses that require minimal effort to maintain.

I hope this list of passive income ideas can act as a source of inspiration for some of you seeking to build your own money machines. You won’t get rich with any of these suggestions, but you could find a way to produce a stream of nickels to supplement your income. That’s not so bad, is it?

There’s no shortage of ways to make passive income. What’s interesting, is that most of the ideas I’ve come up with are things that you can do online, from the comfort of your home. Of course, it’s important to remember that passive doesn’t mean easy. There can be weeks, months, even years, of hard work that goes into building an income stream. And sometimes your effort won’t pay off. (J.D.’s girlfriend tried to start an online business a few years ago. If it had worked, she would have had a stream of nickels. She only got pennies instead, so decided to shut it down.)

Passive income takes time and effort. But if you’re patient, the payoff can be worth the effort.

The post Passive income ideas you can try today appeared first on Get Rich Slowly.

Marriott Bonvoy Bold™ Credit Card Review

If you like staying at Marriott hotels, you might as well receive points for it. The allows you to do precisely that and more. With no annual fee, this travel rewards credit card is a no-brainer for frequent travelers who prefer Marriott, especially since the company has locations in over 130 countries around the world.

The card offers decent rewards rates and automatically upgrades your status for a more comfortable stay at any Marriott location. Plus, the APR is on par with its competitors. Take a look at our breakdown of the most essential features of the Marriott Bonvoy Bold™ Credit Card.

What we like about the Marriott Bonvoy Bold™ Credit Card

  • Great introductory bonus: Limited Time Offer! Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
  • Travel rewards: Get 3x points for purchases at hotels from Marriott Bonvoy, 2x points for every $1 spent on travel purchases and 1x point for every $1 spent on all other purchases
  • Receive Silver Elite status: Automatically receive credits for 15 nights each year, which gives you Silver Elite status at Marriot Bonvoy hotels
  • Unlimited points: There’s no limit to the number of points you can earn each year
  • No annual fee: Never pay a charge to be a cardholder

Things to consider

  • To get the most out of the Marriott card, you’ll need to be a fan of Marriott hotels since the entire rewards program revolves around that hotel chain
  • The rewards rate isn’t great outside of the travel category — you only get 1x point per dollar spent in other categories

Marriott Bonvoy Bold™ Credit Card details

The has several travel perks, but they are almost all related to its hotels. Each cardholder receives 15 elite nights annually, so you’ll be upgraded to Silver Elite status automatically. This upgrade gives you enticing perks anytime you stay at one of the over 7,000 Marriott hotels and resorts around the world. As a Silver Elite member, you’ll not only receive 10% more points than regular members, but you can receive a late checkout (when available).

Additionally, you’ll be able to call an elite phone line to make your reservations and will be guaranteed a room, or Marriott will pay for your stay at a nearby hotel. You’ll also get complimentary access to WiFi in your hotel room and be able to check in and access your room with your mobile phone. If you aren’t a cardmember, you have to stay for 10 or more nights to qualify for Silver Elite status.

You can use your points on Marriott hotel stays, airfare or rental cars. Marriott offers travel packages to many of its global resorts that are available for point redemption.

Marriott Bonvoy Bold™ Credit Card fees

As mentioned before, there’s no annual fee associated with the . Additionally, you don’t pay any foreign transaction fees, which means you can travel abroad and use your card without additional costs.

The only extra fee that comes with this card is a charge for paying your bill late. You’ll be charged up to $39 for each late or returned payment. However, even with this potential fee, the pros outweigh the cons. If you pay your bill on time each month, you won’t run into any hidden fees with this card.

How does it compare to other hotel credit cards?

The is excellent for travelers who love Marriott hotels. However, there are several alternatives if you’re looking for a more simplified rewards program. Two great options are the and the Bank of America® Travel Rewards Visa® credit card, which both have more user-friendly rewards programs and valuable sign up bonuses.

Card Ongoing Purchase APR Annual Fee Intro Bonus Credit Needed Key features
17.49% – 24.49% Variable $0 Limited Time Offer! Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening. Good to excellent
  • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
  • Excellent introductory bonus offer
  • Extra points back for travel
17.24% – 24.49% (Variable) $0 intro for first year; $95 after that One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening Good to excellent
  • Earn 2x miles on all purchases made with the card
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Transfer miles to any partner airlines
Bank of America® Travel Rewards Visa® credit card $0 16.49%-24.49% (variable) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening Good to excellent
  • Earn 1.5 points on all purchases
  • No foreign transaction fees
  • Flexibility on point redemption

The bottom line

The could be a great card for any traveler who enjoys staying at Marriott hotels. It doesn’t charge an annual fee, and you earn rewards back for everyday purchases. To get the most out of this card, you’d have to stay in Marriott hotels frequently.

Who might want to go with a different card? Anyone who doesn’t prefer staying at Marriott hotels might want to consider another credit card. Many other cards have similar benefits and fee arrangements, but come with simpler reward structures to earn higher points on all purchases.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

The post Marriott Bonvoy Bold™ Credit Card Review appeared first on The Simple Dollar.

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The Best Checking Accounts of 2020

My checking account pays me $83 per year for using it.

How?

First, I have an APY that gives me $5 per year.

I also have an ATM fee reimbursement. All my ATM fees get refunded at the end of the month. If I use the ATM once per month with an average fee of $4, that’s $48 per year.

Finally, my checking account has no foreign transaction fees. I travel internationally twice per year and usually withdraw $500 each time from international ATMs. Some banks have foreign transaction fees as high as 3%. That would cost me $30 for the year. I pay $0.

Keep extra cash in the best savings accounts

I make $83 from my checking account per year but I earn a LOT more from my savings account. Make sure you aren’t leaving too much cash in your checking accounts, get a high-yield savings account with a strong APY to make the most of your cash:

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The best banks with the best checking accounts

The best checking account for you is largely going to depend on just a few things:

  1. Start with the best default: Charles Schwab checking. This is what I use.
  2. Do you want extra help with saving and budgeting? Get Simple.
  3. Do you deal with large amounts of cash or foreign currency? Get a bank with a local branch.
  4. Is convenience a priority for you? Get a checking account at a bank that you already use.
  5. Do you want a cash back program on your debit card because you’re against using credit cards? Get Axos or Discover checking.

Here’s our complete list of the best checking accounts:

When building this list, we looked at these factors:

User experience

The user experience on a checking account matters a lot.

We’re in our checking accounts all the time. The online and mobile apps need to be decent. Thankfully, most banks have invested in their apps so the overall quality is much higher than it used to be.

We’ve only included checking accounts that are easy to use.

Fees

I see no reason to ever get a checking account with a minimum balance or maintenance fee. Big banks were the worst offenders. There are too many amazing checking accounts without regular fees to settle for an account that has them.

Nearly all the banks in our list have no minimum balance or maintenance fees. If they do, we’ve made sure to call them out.

Convenience

Over time, simplifying your accounts and prioritizing a single bank will become a higher priority.

In the beginning, perks tend to matter more than convenience. Then it tends to flip at a certain point in your financial journey.

Take ATM reimbursements for example. Saving $3-5 every month makes a big difference early on. Then when you reach a certain level, skipping the ATM reimbursement to simplify your life starts to sound pretty appealing.

There’s no right answer here, it comes down to your preference:

  • If you don’t care about having another bank login or you’re setting up your accounts for the first time, find the account with the best set of perks.
  • If the thought of managing another account feels like a headache, sacrifice the perks to get a checking account at a bank you’re already using.

We looked for checking accounts that either had great perks or other popular offerings that could be bundled together.

Reputation

Right off the bat, we excluded several checking accounts from our list. Mostly from major banks like Bank of America and Wells Fargo.

While not every major bank is horrible, a few of them definitely are. Wells Fargo committed one of the largest banking scandals of all time. And the list of horror stories from Bank of America is seemingly endless.

Some big banks are decent (like Chase), but we didn’t even consider offers from Wells Fargo or Bank of America. These are terrible banks. No matter how good their accounts, we recommend staying away.

Why APY doesn’t matter for your checking account

Lots of checking accounts promote their annual percentage yield (APY). Get another 0.40% return on your cash, sounds pretty amazing right?

Having an APY is completely worthless on a checking account. It’s effectively zero.

I’ve personally used the Charles Schwab checking account for years, which has a 0.40% APY, one of the highest out there.

And yet it earns me only $5 per year.

Why so little? There’s no reason to sit on a bunch of cash in a checking account. Even if you have a relatively high cash reserve (for whatever reason), you’re much better off putting that cash into a savings account, which gets you an even higher APY.

Sacrificing the $5 that you might make from a checking account APY in order to get another perk that’s more valuable is well worth the cost. When you’re looking through checking accounts, don’t even consider the APY. It sounds good in theory but has no real impact on your finances.

Best checking account reviews

Here’s how our top checking accounts all break down.

Axos

Axos has three primary checking accounts, and each has a different set of perks:

 

Essential Rewards CashBack
APY None Up to 1.25% None
Monthly fee None None None
Minimum balance None None $1,500 average daily balance to get 1% cash back up to $2,000 per month
Mobile deposit Yes Yes Yes
ATM reimbursement Unlimited for U.S. ATMs Unlimited for U.S. ATMs Unlimited for U.S. ATMs
Foreign transaction fees 1% 1% 1%
Physical branches None None None

 

The Rewards and CashBack accounts need a bit more explanation.

First, you can’t get an APY and cash back on the same account. You have to pick one or the other by choosing from one of the accounts.

For the APY on the Rewards account, it’s up to 1.25%. You’ll get 0.4166% each time you meet one of these conditions (do all three for a total APY of 1.25%):

  • Get monthly direct deposits of $1,000 or more.
  • Use your debit card for a total of 10 transactions per month (min $3 per transaction).
  • Use your debit 5 more times for a total of 15 transactions per month (min $3 per transaction).

On the CashBack account, you have to maintain an average daily balance of $1,500 over the month. The 1% cash back will also only apply to “signature-based transactions.” This means that the debit card has to be run as credit. Confusing right? Here’s another way to think of it: if your debit card is run as a debit card and you enter your pin, you don’t get cash back. You have to pick the credit option each time you use the card. And the cash back is limited to a maximum of $2,000 per month.

At first, the cash back sounds amazing. Cash back on a checking account seems like an incredible perk.

The problem is that the cash back will only apply when you’re using your debit card. With the minimum balance and the “signature-based” restriction, it’s not nearly as attractive as it could be. That’s an awful lot of restrictions when you could simply use a cash back credit card instead. By using a credit card, the cash back rewards will be much higher and with fewer restrictions.

I’d only consider Axos if you’re completely against using credit cards and want a checking card that has a debit card with some rewards. In that case, this is one way to get a cash back program without a credit card.

Even the APY Rewards account isn’t that interesting. In order to get the full 1.25% APY, you have to be using your debit card regularly. And if you’re using your debit card, you’re not using your credit card. The extra APY isn’t worth forgoing a credit card rewards program.

Charles Schwab

Perks

  • APY: 0.40%
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursements: Unlimited
  • Foreign transaction fees: None
  • Physical branches: They do exist but there’s usually only 1-2 per city

For perks, Charles Schwab is the undisputed champion.

There are no monthly maintenance or minimum balance fees, no foreign transaction fees, unlimited ATM reimbursement without any restrictions, and an APY.

If you travel internationally or are looking for the checking account with the best perks, get the Charles Schwab checking account. We can’t recommend it enough.

There is a small catch when opening a Charles Schwab checking account: They require that you also open a brokerage account with them. There are no fees or minimum balance on the brokerage account — it’s completely free. The only requirement is to open the account. You never have to do anything with it. Schwab is hoping that you’ll use them as a brokerage when you’re ready to have one later.

The only real downside to the Charles Schwab checking account is the limited physical branches. If you handle cash or deal with foreign currency frequently, their branches might be extremely inconvenient for you.

As long as you do all of your banking online or get lucky by having a branch near you, get a Charles Schwab checking account.

HSBC

HSBC has quite a few checking accounts to choose from:

Basic Banking Choice Checking Advance Premier
APY None None 0.01% on balances above $5 0.01% on balances above $5
Monthly fee $3/month regardless of balance $15/month if minimum balance isn’t met $25/month if minimum balance isn’t met $50/month if minimum balance isn’t met
Minimum balance None None with direct deposit or $1,500 $5,000 minimum balance w/ direct deposit or $10,000 $100,000 across accounts
Mobile deposit Yes Yes Yes Yes
ATM reimbursement None, fee of $2.50 when using out-of-network ATMs None, fee of $2.50 when using out-of-network ATMs 4 times per statement (U.S. only and doesn’t include NY) Unlimited (U.S. only)
Foreign transaction fees 3% 3% 3% None
Physical branches Worldwide Worldwide Worldwide Worldwide

Compared to the other accounts in this list, HSBC’s offerings aren’t great. There are monthly fees that are somewhat difficult to get waived, the ATM reimbursement is limited, and the foreign transaction fees are super high. None of the perks get competitive until you’re at the Premier level, which requires a $100,000 balance.

Why include HSBC at all?

One reason: some folks need a truly global bank. If you’re doing business internationally, have homes in multiple countries, or have an international lifestyle, the support of a global bank could be well worth the extra fees and lack of perks.

For most folks, skip HSBC entirely and choose one of the other options in this list.

Ally

Perks

  • APY: 0.60%
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursement: Up to $10 per statement
  • Foreign transaction fees: Up to 1% of transaction
  • Physical branches: None

Ally has a pretty solid checking account.

However, it’s not as good as Charles Schwab. First, it has a 1% fee on foreign transactions. That’s a deal-breaker for me when traveling. Second, the ATM reimbursement is limited to $10 per statement. Third, while the APY is higher than the Charles Schwab checking account, the APY doesn’t matter on checking accounts anyway. Lastly, Ally doesn’t have any physical branches at all.

Ally has a good checking account, but you’ll be better off with Charles Schwab.

Capital One 360

Perks

  • APY: $0 – $50,000 is 0.20%, $50,000 – $100,000 is 0.75%, and over $100,000 is 1%
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursement: Up to $15 per statement
  • Foreign transaction fees: None
  • Physical branches: A couple of branches or “cafes” in a few cities

Getting a 1% APY sounds nice but the Capital One 360 Checking tiers make it completely irrelevant.

Why would you have $100,000 in your checking account anyway? Even if you’re sitting on cash deliberately, it should be in a savings account, which will always have a much higher APY. And with the lower APY of 0.20% on lower balances, the value ends up being minor.

Don’t factor the APY into your decision to get the Capital One checking account.

That said, all the other perks for this account are pretty good. No maintenance or minimum balance fees, no foreign transaction fees, an ATM reimbursement up to $15 per statement, and a couple of physical branches if you’re in a major city.

While it’s not quite as good as the Charles Schwab account, it’s really close.

I’d strongly consider getting a Capital One 360 checking account if I already had a Capital One credit card. Being able to keep my accounts consolidated would be a huge bonus.

Discover

Perks

  • APY: None
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursement: None
  • Foreign transaction fees: None but good luck trying to get a Discover card accepted internationally
  • Physical branches: None
  • Cash back: 1% on up to $3,000 of debit card purchases

The Discover checking account is a bland account. There’s nothing bad about it, but there’s nothing good about it either.

It does have two main perks: no foreign transaction fees and cash back. The foreign transaction fees are irrelevant. I wouldn’t even attempt to use Discover when traveling internationally, I stick to a Visa card. The cash back at 1% is nice, but you’d have to skip a credit card rewards program in order to use the debit card. This is only valuable if you’ve decided to avoid credit cards entirely. It’s also limited to $30 worth of cash back per month. That’s extremely low.

I’d avoid the Discover checking account unless I was already using Discover credit cards and desperately wanted the extra simplicity from having all my accounts in one place. Or if I was avoiding credit cards entirely and wanted a debit card with a cash back program.

Chase

Chase actually has three checking accounts:

Chase Total Checking Chase Premier Plus Checking Chase Sapphire Checking
APY None 0.01% 0.01%
Monthly fee $12, waived if you have $500 of direct deposits, a balance of $1,500 at the beginning of every day, or an average balance of $5,000 across your checking and savings accounts $25, waived if you have an average balance of $15,000 across your checking and savings accounts or a Chase mortgage with linked payments $25, waived if you have an average balance of $75,000 across your checking and savings accounts
Minimum balance None None None
Mobile deposit Yes Yes Yes
ATM reimbursement None 4 times per statement Unlimited
Foreign transaction fees None None None
Physical branches Lots Lots Lots

The hurdles that Chase requires in order to get the monthly fee waived is annoying. This is the main downside of the Chase checking accounts.

However, they could still be the best accounts for you. I’d seriously consider a Chase checking account if I was also planning on getting a Chase savings account and knew that I’d easily hit their balance requirements in order to get the monthly fee waived. We have a deep-dive on all the best savings accounts here.

Once we factor out the monthly fee, the Premier Plus and Sapphire Checking are both decent offers. APY doesn’t really matter anyway, both have mobile banking and deposits, no foreign transaction fees, and ATM reimbursements. Plus, we get the added bonus of being able to walk into a physical branch since Chase branches are in most cities.

Basically, the Chase checking accounts are a competitive checking account with all the benefits of a major bank. And if you have the Chase credit cards, you could get all your accounts with one bank, making everything really convenient.

USAA

Perks

  • APY: 0.01% with $1,000 or more
  • Monthly fee: None
  • Minimum balance: $25 to open the account, then no minimum balance after that
  • Mobile deposit: Yes
  • ATM reimbursement: Up to $15 per statement but there is a $2 fee from USAA on every ATM withdrawal after the first 10 per statement
  • Foreign transaction fees: 1%
  • Physical branches: Branches in Colorado Springs, West Point, Annapolis, and San Antonio
  • Military perks: If you’re part of the military, there’s no initial deposit required, you get a pre-filled 1199A, and you get paid a day early

If you’re in the military, there are a few unique perks that other checking accounts don’t have. But I wouldn’t call them game-changing perks. The 1199A is a direct deposit form. You only have to fill this out once when setting up your new account (unless you switch jobs). This only saves you 15 minutes of time.

Getting paid a day early is kind of nice but only impacts you during the first payment cycle. Then your paychecks will have to last the same number of days as they usually would.

Otherwise, none of the perks are that great. The ATM reimbursement only lasts until $15 and then USAA hits you with a fee after the first 10 per statement. There’s also that 1% foreign transaction fee to watch out for, so you’d want to avoid using this account when traveling internationally.

On the whole, there are better checking accounts to choose from. I’d only consider the USSA checking account if you’re already doing a lot of business with USAA and want to keep your accounts in one place. For example, their car insurance is pretty good.

Simple

Perks

  • APY: 2.02% on “Protected Goals” with a balance of at least $2,000
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursement: None
  • Foreign transaction fees: Up to 1%
  • Physical branches: None

Simple does things a bit differently than the other banks. Instead of splitting your balances between checkings and savings, Simple has “Goals” and “Save to Spend” sections.

In other words, Simple is more of a combined checking and savings account with an amazing UI that helps you control your spending.

You’ll set up as many Goals as you want and when you want to hit your savings goals. Like saving $2,000 for a trip to Italy in 6 months. Then Simple automatically figures out how much you need to save and regularly reduces that amount from your Safe to Spend amount.

Your Safe to Spend amount is your total balance, minus your Goals and scheduled bills over the next 30 days. Whenever you’re wondering if you can afford something, simply check the Safe to Spend amount and if there’s enough, go for it. This helps immensely with guilt-free spending.

Simple also has a set of reports to track spending across categories over time.

I highly recommend Simple if you’d like an account that makes it easier to save and budget.

Chime

Perks

  • APY: None
  • Monthly fee: None
  • Minimum balance: None
  • Mobile deposit: Yes
  • ATM reimbursement: None and Chime has a $2.50 fee for any out-of-network ATM
  • Foreign transaction fees: No fees on foreign transactions but you do get the $2.50 ATM fee since Chime’s in-network ATMs are only in the U.S.
  • Physical branches: None
  • Early direct deposit: Yes
  • Send checks by mail: Yes, Chime will send the check for you
  • Round-up savings: Automatically round up every transaction to the nearest dollar, placing that extra amount into a savings account

Chime is another bank that combines your checking and savings accounts. It’s similar to Simple.

It has a great UI and a nifty way to help you save. It’ll automatically round up your charges to the nearest dollar, putting the difference in a savings account. Saving a few pennies will add up fast. If you’ve had trouble saving in the past, this will help a lot with hitting your savings goals.

You can also transfer up to 10% of your pay into a savings account. While this is a nice touch, it’s possible to set up an automatic transfer between any checking and savings accounts.

On the whole, we recommend Simple over Chime, since Simple has more features to help you with saving and budgeting.

The 5-step process to finding the best checking account for you

  1. Start with the best default: Charles Schwab checking.
  2. Do you want extra help with saving and budgeting? If so, get Simple.
  3. Do you deal with large amounts of cash or foreign currency regularly? If so, get a bank with a local branch.
  4. Is convenience a priority for you? If so, get a checking account at a bank that you already use.
  5. Do you want a cash back program on your debit card because you’re against using credit cards? If so, get Axos or Discover checking.

Step 1: Start with the best default checking account

If we look at the value of perks across different checking accounts, Charles Schwab beats all the other accounts easily. There are no maintenance fees, no foreign exchange fees, unlimited reimbursement on ATMs worldwide, and an APY.

If you’re looking for the most valuable checking account and the following steps don’t apply to you, we recommend getting Charles Schwab.

For the other options that we’re about to walk through, evaluate those accounts against the Charles Schwab checking account.

Step 2: Do you want extra help with saving and budgeting?

Let’s say that you’re earlier in your financial journey and still developing habits around saving and budgeting.

In that case, I strongly recommend giving Simple a try. It’s a combined savings and checking account with an interface built around helping you save. It’ll also figure out all your bills for you, telling you exactly what you can spend at any given moment, completely guilt-free.

Yes, Simple’s APY on its savings account isn’t as high as other savings accounts. And the perks on its checking account aren’t as valuable as Charles Schwab. But the extra support you get with saving and spending is well worth it in my opinion.

Step 3: Do you deal with large amounts of cash or foreign currency regularly?

As much as I love doing everything online, there are two good reasons to choose a checking account that has fewer perks in order to have a bank with a physical branch nearby.

1. Large cash withdrawals or deposits

If, for whatever reason, you deal with large amounts of cash regularly, you really need a physical branch.

Take my friend for example. One of his main hobbies is gambling. He treats it as an expense and always stays within his budget. He’s in the fortunate position of being able to do this.

He heads out to Las Vegas once or twice a year and withdraws a bundle of cash for the trip. Neither of us has personally tried to see how many consecutive withdrawals we can make from a single ATM, but we don’t really want to find out. In situations like this, a local bank completely solves the problem.

If you need to withdraw more cash than a typical ATM can handle even once or twice a year, it’s worth getting a checking account at a local bank.

2. Foreign currency

If you deal with foreign currency regularly, I’ve found it immensely helpful to have a physical branch nearby.

Years ago, I did a workshop for a Canadian startup accelerator and got paid $4,000 in Canadian dollars. They mailed me a check. While it’s possible to do a mobile deposit with normal checks through my Charles Schwab account, that doesn’t work for checks in other currencies. Luckily, Charles Schwab tends to have a branch in most cities. I still had to drive all the way across the city multiple times to get the deposit sorted out. Thankfully, I haven’t had to deal with this again. But if I did, I’d get a checking account at a large, local bank just for depositing checks in foreign currencies.

Another perk of having a local branch: exchanging foreign currency back into U.S. dollars. After any international trip, I always end up with $50-100 worth of leftover foreign currency. I consider the airport currency exchange kiosks a complete rip-off. Not only are the exchange rates terrible, a lot of them don’t accept smaller bills. Having a local branch completely solves my leftover foreign currency problem. I can simply walk in, give them whatever I have left, and they deposit it into my account at a decent exchange rate. Problem solved.

So if you’re dealing with foreign currency or large amounts of cash even a few times a year, it’s worth getting a checking account with a local branch, even if the perks aren’t as good. Hopefully, one of the banks in our list has a local branch near you. If you’re not sure, start with Chase, since they have branches all over the U.S.

Step 4: Is convenience a priority for you?

Before jumping into a new account, ask yourself how much you value convenience.

Do you really want to manage a dozen different financial accounts? I know that seems like a lot, but when you factor in checking, multiple credit cards, a mortgage, student loans, 401Ks, brokerage accounts, savings, joint accounts, and all the accounts for your spouse, it adds up really fast.

The more time goes on, the more you’ll value simplicity across your accounts. I know multiple people who have gladly paid ATM fees again just to get a few of their accounts under the same bank.

Capital One is a great option for simplicity, since they have great credit card offers and they have a really strong checking account. While Chase’s checking accounts aren’t as good, their credit cards tend to be among the best. And if you use Discover cards, definitely consider Discover’s checking account.

Step 5: Do you want a cash back program on your debit card because you’re against using credit cards?

Generally, you want to use credit cards for the majority of your spending. With all the travel rewards and cash back credit card options out there, it’s free money back in your pocket. As long as you pay off your credit cards every month, there’s no downside.

But what if you’re still against credit cards? Some folks have trouble controlling their spending on credit cards and others are philosophically opposed. Or maybe their credit score is too low to get a credit card.

If that’s you, there are a few cash back programs on debit cards for checking accounts. Axos and Discover both have great options.

Again, a cash back program on a debit card will always be inferior to credit card cash back offers. You will get less money back by going this route. That said, it may still be worth it for you if you’re trying to avoid credit cards entirely.

The Best Checking Accounts of 2020 is a post from: I Will Teach You To Be Rich.

What is a Good APR for a Credit Card?

When it comes to shopping for a credit card, you’ll want to investigate several different features based on your needs. But one factor you must absolutely consider is the card’s annual percentage rate or APR. This figure — expressed as a percentage — varies greatly between issuers. An APR can determine whether your use of the card makes financial sense. If you make a big purchase with a card that has a higher APR, you could end up paying a significant amount of interest on the purchase.

What is APR?

An APR represents the potential interest in financing purchases with a credit card. APR rates are influenced by certain types of benchmarks and vary based on current economic conditions. As those benchmarks rise and fall, rates on credit cards follow suit. One such benchmark, for example, is the London InterBank Offered Rate (LIBOR). This is a rate that global banks use to borrow funds from each other without any form of security.

The word “security” is key to credit card programs. Credit cards are a means of borrowing money for purchases without pledging collateral for that debt. Because credit cards offer unsecured lines of credit, you’ll see a huge differentiation in the APR for an automobile loan or mortgage. A five-year car loan might have a 4% APR over the term of the loan, but a credit card APR might be 24.99% from the get-go. A credit card issuer is taking on greater risk because it can’t hold a car’s title or a house deed as security for the loan.

It’s important to pay close attention to a credit card’s APR rate. If you have a high APR rate and continuously carry a balance, it could take you much longer than planned to pay down debt and your cash flow could be negatively impacted while you struggle to meet other obligations.

Types of APR

Credit cards have different APR ranges depending on their key features and rewards. The most prevalent APR you should focus on is the regular rate for everyday purchases, regardless of promotional APRs. A card’s purchase APR is the one that will stick with you long term if you plan to hang onto the card for a while.

The purchase APR you’ll receive when you gain approval for a credit card is directly tied to your credit score. The higher your credit score, the lower your interest rate will be. Top-tier credit applicants may see a 14.99% APR, while cardholders with very good credit might be given an APR of 21.99% for the same card with the same benefits and features.

An introductory APR is a special rate meant to attract new cardholders who plan to make significant purchases during the first three months of opening an account. A 0% introductory offer incentivizes credit card shoppers to apply since there’s typically an absence of any APR rate for a specific period of time. Most major card issuers offer their customers a chance to finance purchases without interest charges for a period of 12 to 15 months.

Balance transfer APR offers cardholders a way to avoid high-interest charges accrued on other credit card accounts. For example, a customer with a $5,000 balance could transfer it to a new card with a 0% balance transfer APR for a certain amount of months, thereby avoiding hundreds of dollars in interest.

You’ll notice simple credit cards that don’t offer rewards or glitzy travel perks will typically charge a lower APR than premium cards. The cards that offer cash back rewards, points and miles usually come at a greater cost via higher annual fees and APRs.

How to get a good APR for your credit card

The key to acquiring a low APR hinges on creditworthiness. A card that offers a range of APRs will award applicants with higher credit scores an interest rate at the lower end of the spectrum, while cardholders with lower creditworthiness could end up with the maximum interest rate on a card. The Federal Reserve reports the average interest rate for U.S. credit cards has been approximately 14% to 15% APR since late 2019, but you can find cards that range from the mid-teens to the mid-20s in annual percentage rates.

New cardholders could be eligible for introductory and balance transfer rate offers, and those APRs typically start at 0% for six to 15 months. Here are three examples of credit cards that offer a 0% intro APR:

Card Intro Purchase APR Ongoing Purchase APR Annual Fee Intro Bonus Credit Needed Key features
0% for 15 months 16.49% – 25.24% Variable $0 $150 welcome bonus when you spend $500 with the card within three months of opening the account Good to excellent 1.5% cash-back rewards on every purchase made with the card
0% for 15 months 14.49% – 25.49% Variable (See Rates & Fees) $0 (See Rates & Fees) $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply. Excellent 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and earn 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Terms Apply.
0% intro on purchases For 15 Months 15.49% – 25.49% (Variable) $0 $150 cash bonus after you spend $500 on purchases within 3 months from account opening Good to excellent 1.5% cash-back rewards on every purchase made with the card

How to limit the interest you pay

The best way to avoid paying interest on a credit card is to steer clear of carrying a balance. By making purchases that fit into your monthly budget, you won’t have more bills than you can handle.

However, that plan doesn’t work for everyone. The next best strategy would be to get a card that has a low APR. Some banks, for example, issue cards with no rewards that have an APR of 10% or lower. If you plan to carry a balance for a while, you’ll have to weigh the absence of rewards on a low-interest card against a card with a higher interest that offers lucrative rewards.

The bottom line

For an individual or business that plans to carry a balance, APR is the most important factor to consider when picking a credit card. Individuals with higher credit scores will receive lower APR rates, which helps manage ongoing finances. If you’re interested in earning rewards and perks, paying off your balance on time and in full each month is the best use of your credit line. The secret to managing interest rates at any end of the spectrum is to know where you stand with credit and where you’re headed with cash flow.

Related Articles:

For rates and fees of Blue Cash Everyday® Card from American Express, please click here.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

The post What is a Good APR for a Credit Card? appeared first on The Simple Dollar.

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The Best Money Market Accounts

The 5 Best Money Market Accounts for 2020

The best money market account accounts give you high rates (i.e. high APY) and good features (e.g. checks and ATM cards).

It’s like having a high-yield savings account and checking account rolled into one.

But there are a TON of money market accounts out there. That’s why we want to give you a list of a few we like to help make your choice a little easier.

The 5 Best Money Market Accounts

Discover Bank Money Market Account

Discover Bank is great for people looking for a more digital banking experience. They have an intuitive app you can use to deposit checks, find an ATM, and even freeze a debit card if you lose it. Their rates are also some of the best out there.

  • 1.55% APY for balances less than $100,000
  • 1.60% APY for balances more than $100,000
  • No minimum balance fees
  • No monthly fee
  • 60,000 ATM network
  • Debit card and checks (limited to six transactions per month)

TIAA Bank’s Yield Pledge Money Market

TIAA Bank offers a money market account with a “yield pledge.” That means that they “guarantee that your yield will always be high” by comparing and adjusting their rates against their competitors each week to make sure they’re in the top 5% of accounts. They also have a host of lucrative features such as mobile check deposits and ATM fee reimbursement (for accounts with at least $5,000).

  • 1.75% APY
  • $500 to open account
  • No monthly fee
  • ATM free reimbursement for accounts with at least $5,000
  • 24/7 customer support
  • Mobile banking

CIT Bank Money Market Account

The CIT Bank’s money market account offers one of the highest rates out there with 1.85% for accounts with a minimum of $100—which isn’t that high as far as minimum deposits go. There’s also no monthly fees. An all around great money market account.

  • 1.85% APY
  • $100 to open account
  • No monthly fees
  • Handy mobile app for convenient banking

SallieMae Money Market Account

SallieMae offers a fairly lucrative money market account with 1.75% APY and zero minimum balance required. Plus it comes with nice features like checks.

  • 1.75% APY
  • No minimums to open
  • No monthly fees
  • Good online platform
  • Checks

BMO Harris’s Platinum Money Market Account

BMO Harris offers the Platinum Money Market Account. Depending on where you live, this account might provide some of the highest interest rates in the country at 1.95%. Granted, you’ll need a minimum balance of $5,000. Anything below that rate earns .05% APY — which isn’t great. But if you have the money, this can be a very lucrative option.

  • 1.95% APY for balances at $5,000 or more (depending on your location)
  • .05% APY for balances less than $5,000
  • No monthly fees
  • No minimums
  • Mobile banking

Money Market Accounts Vs. Savings Accounts Vs. Checking Accounts

Though money market, savings, and checking accounts share a lot of similarities, they actually vary in small but important ways.

First let’s take a look at the definition of each:

Savings account: A bank account where you can store money while earning interest. It is harder to get your money from a savings account and typically takes 3-5 business days before you can do so. Transactions are typically limited.

Checking account: A bank account that allows you to withdraw and deposit your money more easily. With tools like ATMs, checks, and debit cards, you have much easier access to your funds. Typically earns little interest (if any at all). Transactions are typically unlimited or have a higher ceiling.

Money market account: A bank account that is a hybrid of savings and checking accounts. You can store your money there and earn interest long term. Also, you have easy access to it via ATMs, checks, and debit cards. Transactions are typically limited.

So a money market account is essentially the best of both a savings account and checking account. Does that mean that you should only get a money market account and not a savings or checking account? Absolutely not.

Your decision ultimately depends on your preferences and goals.

Do you want to save your money but also have easier access to it in case of emergencies? A money market account might be a good decision.

Do you plan on using your money often each month? Then you’ll want to get a checking account.

Are you saving long term and don’t even want the temptation of accessing the money? Get yourself a savings account.

In reality, you might want to get all three — which is great! Your personal finance system is unique to you. What it ultimately looks like is your decision.

How to Choose The Best Money Market Account

When looking for the best money market account for you, you need to look at two things: The bank and the accounts themselves.

After all, the money market account might look great—but if the bank is bad, you’re not going to have a good experience.

(cough Bank of America cough)

To find a good bank, you’ll want to look at three things:

  1. Trust. You need to find a bank that you trust to not do underhanded things. Trust is something some big banks like Wells Fargo and Bank of America do not have. You can’t trust banks that nickel-and-dime you through minimums, overdraft fees, and expenses.
  2. Convenience. You need a bank that you can take advantage of and is readily available to you. You need to be able to get your money easily, and also make deposits when you need to. Luckily, many banks now come with handy mobile apps and great customer support teams.
  3. Features. The best banks offer the best features. They will have things like sub-savings accounts, debit cards, free checks, plenty of ATM locations, and more. Be sure to research a bank’s features before signing on with them.

When it comes to money market accounts, you’ll want to take a look at just two things:

  1. High rates. A high APY can help you save and earn more in the long term.
  2. Good features. Just like banks as a whole, a good money market account will come with convenient features that make your life easier—and help you earn more money.

The most important rule to keep in mind: Don’t chase rates.

First, interest rates are constantly changing. Even the rates we’ve talked about above are liable to change.

Second, the difference between different rates is often tiny. So tiny that it’s not worth the effort to find the biggest rate you can.

For example, imagine a 1% rate difference on a balance of $10,000. That’s $100 / year or $8.33 / month. That’s a small win. So small you’d be better off focusing on the Big Wins.

Do yourself a favor and don’t chase rates.

Making Your Choice

The best money market account for you is one that has good rates and good features. BUT you need to also look at the bank offering the account too.

After all, you don’t want to sign a contract with a bank that nickel-and-dimes you at every turn.

If you’re interested in learning more about the banks and accounts we love and trust here at I Will Teach, here are a few articles you should check out:

The Best Money Market Accounts is a post from: I Will Teach You To Be Rich.

Stuck? Try These 72 Creative Writing Prompts (+ 6 Bonus Tips)

I bet you just asked Google to search for artistic writing prompts.

Or was it writing opinions? Story opinions? Or maybe writer’s block?

Boy, are you stuck!

But don’t worry. It doesn’t matter if you’re halfway through writing a book, sweating over social media affixes, or journaling about your lives, all columnists get stuck for inventive ideas sometimes.

So, it’s immense to have you here.

This is your go-to source of floor starters, writing stimulates, and bonus writing tips guaranteed to improve your writing sciences, power up your excitement, and get your artistic liquids flowing in 2020.

Here’s what we’ll cover 😛 TAGEND

Writing Prompts Q& A 72 Writing Prompts( Broken into List ) 6 Bonus Tips( to Sharpen Your Writing Skills )

We’ll begins with a few common questions and answers.

Creative Writing Prompts (Plus Bonus Tips)

Back to Top What are Writing Prompts?

A writing prompt can be a phrase, an persona, or even a physical object that kick starts your curiosity and motivates you to write. It renders a precipitate of an idea as a starting point to stimulate a natural flowing of writing.

Writing prompts are model for any form of writing, like fiction or nonfiction, journaling, copywriting, blogging, or style. They usually contain two parts: an idea or a potential topic to write about, and the instructions on what you should do next.

For example, a imaginative writing spur for fiction novelists might be 😛 TAGEND

Your main character has a car accident and starts to hear voices while in research hospitals. Write a short story about the conflict between the character and the voices and what really happened at the time of the car accident.

While journal spurs tend to focus on topics of self-awareness, such as 😛 TAGEND

Write about a turning point in their own lives. How different would things be now if you had made a different decision at the time?

What is the Purpose of Writing Prompts?

Writing stimulates are like a pre-match warm-up. They help to relax your imaginative muscles, unblock your curiosity, and free up your sentiment concentrate on the primary tournament of writing this report without nervousnes or hesitation.

Instead of squandering term by thinking of a topic to write about, writing inspires get your innovative liquids spurting straight away, forcing you to put pen to paper.

Writing causes also help you discover things in a new lamp. They force you to think outside your consolation zone and use your thought and invention like never before.

Without them, we can become permanently sidelined by our internal critic. Or worse still, the seize contraction of writer’s block.

How Do You Use Writing Prompts?

Like all muscle-building rehearsals, writing spurs are most effective when you induce them a daily habit. Over time, with repeat, you’ll find your flow of writing becomes more natural, and your ability to write for longer strengthens.

But don’t feel you have to follow a motivate to the letter. If the stimulate recommends you write about tale, but it activates new ideas for a song, write a poem. Let your ingenuity template you through the writing process.

Here are some other sizzling tips-off 😛 TAGEND

Don’t overthink it. Just start writing. Don’t revise as “theres going”. If it’s not working for your style of writing, move on to another reminder. Find the promptings that realize you want to write. The creative writing inspire is a starting point. The finish is up to you. You don’t have to write a complete narrative, a song, or an paper. Feel free to dispose your work halfway through and move on to something else. Choose the Ernest Hemingway approach: Accept that most of what you write is likely to be crap, and you’re going to toss it. This isn’t about growing ready-to-publish work for your recent freelance writing job. It’s about the practice of writing.

How Else Can I Improve My Creative Writing Skills?

Improving your sciences takes lots of writing practice. And working creative writing motivates is one of the best ways to do only that. But it’s not the only way. Now got a few other skills you are able to want to explore 😛 TAGEND Freewriting

This is when you write about anything that poppings into your heading. Take a blank sheet of paper, mounted a timer for 30 instants, and start writing. Write whatever your brain tells you to, and don’t worry if it’s nonsensical.

This exercise is great for pushing through writer’s block and allowing your mind to head off in spontaneous directions.

The Adjectives Game

List 5 things you like or detest savor, and then list 5 adjectives for each item. For example, you are able to like the smell of cake. The 5 adjectives might be: sweetened, gooey, yummy, nuts, and scrumptious. Now do the same for your other senses.

This develops your sensory dictionary and ability to write with flair and color.

Position

Write about a recent happen you were involved in, from the point of view of someone else who was involved. Empathy is hugely important in writing and this exercise actions you to step into the shoes of another person and understand their point of view.

Talk

Writing genuine talk is notoriously hard to master, so this exercise will help.

Write about 300 terms of a gossip between two beings without exercising’ he said/ she said’ labels. Show the difference and relationship between the two talkers exclusively through the words “theyre using”. It’s more challenging than it sounds.

See

Think of a color. Now go for a saunter or a razz on the bus and note down everything you experience of that colour. When you get home, write up what you remember( take notes as you go to make it easier ).

How many different colors of the complexion did you realize? What did the things you realized realize “youre feeling”? Was there any the linkages between them?

Brevity

Think of an anecdote you like to recount. Write it up in less than 500 terms. Now rewrite the same story in 100 statements. Now in 50 oaths. And ultimately, in 25 oaths or less, if you can achieve it.

This exercise shows how filler statements, background, and context can sometimes get in the way of a good story. It will help you choose your words carefully.

If you’ve got the time and energy, here got a few more activities to actually facilitate flex those writing muscles.

Now, let’s explore those imaginative writing inspires we promised you.

Back to Top

72 Writing Prompts to Help You Kickstart Your Imagination

Fantasy Writing Prompts Romance Writing Prompts Comedy Writing Prompts Horror Writing Prompts Persuasive Copywriting Prompts Poetry Writing Prompts Journal Writing Prompts Blog Writing Prompts Non-Fiction Writing Prompts Random Writing Prompts

Fiction Writing Prompts

“It was the best of durations. It was the most difficult of times.” Use this famous opening word to start your own novel. Rewrite your resume as a short story, either in the first or third party. Open the dictionary at any sheet and select the first text that catches your nose. Write the opening few paragraphs of a thriller using that name at least three times. Write a synopsis of your account of the movie, Groundhog Day. What would your era look like and why? Write a short story employ these terms: Rocky, parched, plain mouse, and Black Forest Gateau. Sit in a cafe and write a short story about the person or couple at the next table. Is important to note of their body language and cloak, what they’re eating, or doing. And if you can eavesdrop, give their gossip stimulate you too. Write about a person who is arrested for committing international crimes, but they can’t remember anything about the nighttime the crime followed. What is the crime, why can’t they remember and what happens next?

Fantasy Writing Prompts

If you could come back to life as any person, animal or thing, what or who would you be and how would you live your second life? The world’s oceans dry up. Who or what survives? You open the bathroom door and find the room’s disappeared. In its lieu is another world. Describe what you hear and listen, and what you do next? You’re sitting at a forbid talking to a giraffe. What’s the conversation about? You live in a fantasy world where people communicate without talking. Write about an average day in this sci-fi world. You are the inventor of a popular video game. One daytime the prime character from your play slams on your figurehead entrance. What does he require? Write about a character who has a superhuman power. The problem is, they don’t want it. Write about the conflict between the character, his or her influence and the life they are forced to lead.

Romance Writing Prompts

What is the most romantic season of the year and why?

Write a legend about love at first sight. It doesn’t have to be about young people, or even about beings.

“Last Christmas” was a song by George Michael that engendered a movie by the same name in 2019. Think of your favorite dreamy song and write a film synopsis for it. If you are a woman, write a short love story about the most romantic experience you could imagine, as a gentleman. If you are a man, make the practise. The song “Summer Nights” from Grease is about the summer romance between two high school students, with their friends pleading to hear more. What reminiscence does that evoke for you about the first time you fallen in love, and who did you tell? Next experience you inspect a grocery store make a note of the first party you hear. What are they wearing, what are they buying, are they alone? Write a description of them as the prime person for your next romantic story. Your booster is about to marry the man she has been in love with for years. A week before the wedding she encounters a stranger and tumbles madly and hopelessly in love. What does she do?

Comedy Writing Prompts

You are a bartender on a placid night, listening to man drown his sorrows as he tells you how his wife has recently left him for a neighbor. A second man enrols and sits at the other end of the bar. It’s the neighbor. Describe the humor of wrongdoings that happens next. What shapes you laugh out loud? What’s the funniest joke you are well aware? Write the backstory to the main character in the joke. What’s the funniest thing that’s happened to you in real-life? Write it as a stand-up comedy anecdote with lots of observational humor drop in. Your shopping bag slams apart, and all the contents tumble out at the hoofs of the girl or guy who lives in the suite below you, who “youve had” liked for some time. What does your shopping discover about you and why are you so embarrassed? List affixes are one of the most popular forms of blogging. Write a funny roster upright about all the things you are not was just going to do in 2020.

Horror Writing Prompts?

Write the opening chapter to a narrative that begins: “I looked at my beautiful, evil partner and recognized the fright had only just begun.

“Terror became me cruel” is a line from Wuthering Heights by Emily Bronte. Write about different situations where terror might make you cruel. You’re going home alone late one nighttime when you realize several “cat-o-nine-tails” are stalking you. Then the streetlights used to go. What is going to happen? There’s a locked door at the top of the house you’re staying in. What’s behind it? What are you really, really scared of? Put yourself in such situations and describe how it feels. Write a horror legend set in either a bar or a graveyard( or both ). Include a blue-veined hand and the motto “all that spit and sweat.”

Persuasive Copywriting Prompts

Your friend doesn’t much care for Chinese food. Write down all the reasons why they need to reconsider their opinion and participate you tonight at your favorite Chinese restaurant. Your mother’s always nagging you to clean your room. Write an accounting of the last time she nagged you, but from her point of view. Have you ever seen a supernatural, or smelled a ghostly attendance? Write an note of your experience knowing it will be read by a sceptic. Talk the Christmas Grinch out of being a Grinch. A serviceman acquisitions a word in a bottle while moving on the sea. Where has the bottle comes here, how age-old is it, and what does the word say? What does it urge the three men to do? Think of a cliche and write an argument against it. Now are a few to start you off:

Time mends all wounds

It’s better to be safe than sorry

Money is the root of all evil

Ignorance is bliss

Poetry Writing Prompts

Open the glossary at any page and select the first text that catches your look. Set a timer for five minutes and write a list of rhyming messages. Now write a poem use as many of those statements as you are able to. Write a poem about rhythm.

Read more: smartblogger.com

Awkwafina’s Weird Career Arc Has Taken Her to Comedy Central 

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Getty Images/ Ringer sketch

The Golden Globe-winning actress/ jester/ rapper’s new show is no’ Farewell, ’ but there are some euphoriums to watching it

Midway through the captain escapade of the brand-new Comedy Central stoner-goofball sitcom Awkwafina Is Nora From Queens, our superstar and titular ace, who probably should’ve gotten a Best Actress Oscar nomination last week, experiences herself dancing awkwardly in a humiliating red dragon organization on 420 camchicks.com. It’s that kind of show. It’s fine. She is dancing with her friend Chenise( Makeda Declet ), who is dressed like a container majorette and offerings spur: “I don’t know how, but I think they’re liking it, ” she yells, checking her laptop. “Guy from Tasmania only bequeathed a bitcoin.” Ennobled, Nora gets too excited( “I’m gonna come that Bezos money! I’m gonna back up the truck! ” ), lumps into a candle whilst backing up the truck, and unknowingly lamps her dragon fanny on fire.

CHENISE[ fright ]: “Ooooh, you’re lit! ”

NORA[ forgetful ]: “I’m lit! ”

CHENISE: “No , no, you’re on fire! ”

NORA[ still oblivious ]: “I’m on fire! ”

CHENISE: “Your tail! ”

NORA[ no longer oblivious ]: “Whaaaat? ”

Fiery hilarity follows. Well, six seconds’ worth of fiery exhilaration, anyway–Comedy Central ain’t come much of a stunt plan. Still, make that be a lesson to you about the dangers of abusing rap-adjacent slang, although an unusual ingenuity with rap-adjacent slang is a huge part of the same reasons Awkwafina went this gig in the first place.

Awkwafina Is Nora From Queens, which entries Wednesday night and is already renewed for Season 2, does indeed tell the quaint, semiautobiographical fib of the young woman of Chinese and Korean American descent born Nora Lum( in Queens) who firstly skyrocketed to viral renown as Awkwafina via the 2012 rap parody “My Vag.” Yes, “My vag prevailed Best Vag, ” rapped the sassy multihyphenate hypebeast who would, eight years later, prevail the 2020 Golden Globe for Best Actress in a Motion Picture, Musical or Comedy. “Your vag won Best Supporting Vag.”

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