I’m a Financial Analyst (27M) who is coming up on 3 years with my company. I had my annual review, which increased my TC from $82,550 ($75k base + 10% bonus) to $96,134 ($80k + 20%). This is up 34.5% from my starting TC of $71,500.
I was hoping for $85k base but didn’t even consider the possibility of an increased bonuses, at least not until promoted to an Associate. Not sure how I feel about the new TC since on one hand I rather have a higher base, but on the other hand it’s marginally better (+3k).
I find myself in a predicament with the main factors being pay and career growth. $80k base doesn’t go too far on the west coast, but I have a decent record of annual increases. I got merit increases of 7.69%, 7.14%, and now 16.36% for an average TC increase of 10.40% YOY or average Base increase 7.17% YOY. I believe these are strong and consistent increases that I am not sure I’ll find elsewhere.
I’ve done the market research and for my role / experience and I think I am paid fairly. Not good, not bad, but just fair. I mention this because I don’t think I have leverage in this regard. The good news is that I know Associates make around $120k-$150k base. However, there is not a clear path to an Associate, given how small our firm is. I have found that most Associates have been here for no less than 5yrs and that’s about the best benchmark I currently have. Assuming a promotion to Associate is around the 5yr mark, that’s a little over 2 years away, which scares me because by then I’ll be pushing 30 years old. I don’t want to be a 40yr old Excel junkie with no hope for a management role.
I’m sorry for the long read, but I feel like this is all important context for a pivotal decision. I’d only switch jobs for +$100k. But I would need +20% increases every year (small likelihood) to match what I theoretically could make if I just stayed for an Associate.
Am I being impatient? If so, do I just shut up and ride out a few more years to hopefully be promoted to an Associate? Do I get some job offers and ask my current company to match? What’s the best course of action to increase my income?
My current plan is below, but please advise otherwise.

1. Talk with boss and see what the next 2-3yrs look like. Don’t give away my position or leverage, but find the likelihood of being promoted to an Associate.
2. If the talk does NOT go well, ask how I can improve and do that for 3 months. Then start getting job offers and see if they’ll match.
3. If they do NOT match, ride out for 3 more months, collect my bonus, and dip.

Less important information, but worth considering:
I really like my company. My boss and my boss’ boss are down to earth and are super accommodating with PTO, personal issues, and general work-life balance. There’s no micromanaging or company software that tracks your every move. Work life balance is pretty unbeatable, and I have a lot of free time even after taking on “additional” tasks (I used quotes because I can do much more, but they don’t necessarily have a business need for much more). We have full benefits and the company pays for our own ESPP-equivalent; it doesn’t come out of our paychecks, but there is a 5yr min hold.
I often feel like this is a great place to work when you’re NOT young. What I mean by that is building and growing your career elsewhere and then coming here when you want to settle down with a mortgage, kids, or whatever. Coming in a higher level definitely has its benefits (VP+ make min $300k) and there’s a lot of older employees that are probably going to retire here, which somewhat validates this hypothesis.

Hi all, So after a few visits with the physio she brought up what medication I have and how long have I been using it. I told her That I take Co-Codamol 30mg and I was honest and said Its doing very little but I'm kinda scared to ask mention it as the views some doctors have isn't always open minded. She's agreed which was nice and said what I'm on isn't suitable for my case, it's low strength for occasional pain. She was shocked I've been on it 2 years with no mention on my record of a GP reviewing it. Now here's why I'm worried, after my recent MRI, blood tests ect information isn't being passed on and I almost have to explain everything to each doctor I see, the person reviewing my scan results didn't even know what specifically they were looking for 🤦🏼 so I got "looks normal". So when I go in tomorrow morning and if the GP hasn't looked into my file much I don't want them to think I'm a junkie seeking strong meds. I'm trying to think of ways I can structure an approach without giving off the wrong impression. Any insight would be much appreciated, thank you.

Hey guys! I recently tried out KashKick, a "get-paid-to" platform where you earn points for tasks like surveys and watching videos. These points can be cashed in for money or gift cards. I'm here to share my genuine take to help you figure out if KashKick is worth your time.
Is KashKick Legit? From my experience, yes!
I've earned and redeemed points smoothly, mostly opting for gift cards. It's a faster payout then Swagbucks and Survey Junkie... but here are some things to keep in mind:
Earning Potential: It’s modest. You won’t get rich (duh) but it's a decent way to make some extra cash or snag gift cards. I earned about $103ish in about a month.
Task Availability: This varies by location and demographic. For me, I got some solid offers that helped me make over $100... but generally, there's enough to keep you engaged.
Payment: They offer PayPal after reaching $10... quick payment.
User Experience: The site is straightforward and easy to navigate. You can also earn extra by referring friends through their referral program here.
Overall, while KashKick won’t make you wealthy, it’s a reliable way to earn a bit on the side. Just start with small tasks and scale up as you get more comfortable. Always check out the terms and user reviews to know what you’re getting into.
Got questions or want to share your own KashKick experiences? Drop a comment below. Happy earning!

Photo by Mark Morgan, via Flickr (https://www.flickr.com/photos/markmorgantrinidad/)
If you like Motown then Kattullus has a helluva good post for you! it's about the Motown Junkies blog, where Steve Devereux is reviewing the entire Motown singles discography in sequential order and if that doesn't get your head boppin' and fingers snappin', then keep listening

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So I just went to Vegas for my first time ever for a bachelor party, and the sphere was on our itinerary. I am going to jump right to it. I have seen so many bad reviews involving: distraction from nature, overwhelming, poor visuals?, poor sound?, bad staff, etc. I can assure you, this is one of the most bad ass experiences I’ve ever seen in my life. I am a nature junky myself, and I also do at times get overwhelmed by things myself. But holy fuck. This show was life changing. Like it’s actually scary. When I tell you this is the next level of technology, it’s not even easy to describe. How crispy the visuals were at the point it’s a bit hard to comprehend, the sound literally at every corner (haha) of the sphere, and the BASS. My god the bass was so in sync with the show. Spoiler: for those who have seen this, there’s a scene with a bunch of faces and people talking. A voice from every angle of that arena, the most overwhelming and amazing thing I’ve experienced. I almost had to hold my ears. It’s like an acid trip for sober people. This show is simply just showing you the power of technology we have created and if you can’t accept that, then don’t go. In fact, it’s actually one of its kind. As in you cannot experience this currently anywhere else on Earth. It’s a stellar and life changing experience.

Only a few tanks left to buy. Already have full zero skill crews sitting in t8 prems for Is4, k91, type 7, concept 5 and blyskawica (t9 tank).
I prefer meds and lights, so K-91 never really appealed because it seemed best to snipe with (why not just play td imo).
IS-4 has always had its weaknesses but I know its been buffed and also powercrept.
Concept? I hated that line.... I love leo, and other paper meds so I think I could jam with it, but the turning radius and shit dpm, huge profile, shit camo, shit armor? am I wrong? Does it have something to go on?
Type 71 is universally thought of as junk? junk armor, junk dpm, junky junky.... can it be used in any effective way? worth going for at all?
Blyskawica? Think I only played 8 and 9 both seemed great, seems to fit my overly-aggro playstlye, mechanic almost fits me, i love shotgun etc, full send it. But I thought I had heard mixed reviews about the tier 10... dont see a ton in pubs. The 8 was great with a bit of issues, 9 seems weaker armor wise which makes the aggro playstyle harder, but still decent and playable. Fun all around so far? is the 10 decent to play aggro? Compared for Ho-Ri? Badger? Foch? 268v4? curious the most about this one probably
Only 2 arti left to buy, not a fan in general, but did just get the 261 after only owning t92 and gconq for years.... holy cow is 261 fun that you can actually aim and hit pretty much anything you want with the aim time and accuracy.... heard the 155 58 is annoying like that... obviously this isnt a real choice im gonna get a real tank first, but I did enjoy being able to plink a bit with the 261.... Only bought it cuz i wasted my sale 20% on it from xmas? cuz i needed to buy it eventually for 279e mission (chimera union-12) got it done on the first try and was like WOH this tank actually can aim and hit shit lol. was kinda fun.... i aint gona lie, but always less fun then actually driving... I know GW is comparable accuracy, maybe it would be ok to get a bit more power and have a middle ground between the t92 big boy and the 261 accuracy.
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Thanks all for input!
View Poll

I would like to get a decent smartwatch that will be fully compatible with Android. The reason I'm not just going through your sticky thread just because I have a particular request.
I don't need anything like brand new, but I would like something that was top of the line at its time. I've been seeing a lot of watches that are like a couple years older like three or four years old that have a lot of the features that I'd like and they're a lot cheaper now but still either new or refurbished on Amazon etc.
I'd like to know what everyone's view was on the Samsung smart galaxy watch 4 for example? It's in my price range they got a pretty good guarantee on Amazon and it seems to have all the features I'd like. It also has decent reviews from people who have bought the "renewed version".
Is that a decent watch if it has all the features I'd like what was everyone's experience with it back when it was new? I'm not a techno junkie to the point where I need something brand new I just want as many features as possible.
unless somebody has a better suggestion. I'll probably ONLY is it for fitness, stress and sleep stats and MAYBE for the occasional text reply etc. but I would like Wi-Fi and definitely Bluetooth

Y'all I am on too many planes this weekend so in the interest of adding value and killing time, here is my review of Castle Hot Springs in AZ. It's about an hour outside of Phoenix.
Booking: This is also pre me working with a TA. We direct booked the room category “Spring Bungalow” at $2100 per night for 3 nights in winter. The prices fluctuates with lowest dips in summer. Prices included all but spa, alcohol, and premium activities (e.g. horseback riding, via ferrata, mixology).
Why: I wanted to be warm, eat good food, and am a water junkie who loves hot springs. It's got all that.
Arrival: You fly into Phoenix and then can take car service, helicopter (sometimes), or rent and drive about an hour to the gated property. The last few miles of the road are real dicey so get a good SUV if you're driving yourself. Note that there are specific days for check-in / check-out so you don't have as much flexibility for when you go as other places.
Room: Totally awesome. I love not sharing walls with other people so the standalone nature of all their rooms is great. Plus it's got a cozy sitting area and fireplace plus some outdoor lounge space. The bathroom was the perfect size plus there was an entire outside bonus tub which was filled by hot spring water. And while I thought this would be a major feature for me the springs ended up being so private it was even nicer to just go hang there. The bed and all the textiles, etc. were super comfy. I do like the landscaping and setup for the spring rooms more than the skyview but skyview get decks w/ telescopes so that might sway you the other way.
Landscaping: Usually I wouldn't call this out but it's a gorgeous property. So much grows cause of the access to the spring water so it feels lush and dessert vibes all at the same time. And they get lots of critters (my fav) b/c of it too. Anyway, they take their gardening and shit real serious and it shows. It's like walking around in a magazine.
Hot Springs / Pool: Perfection. There are multiple temps and plenty of space to spread out so you're never packed in and most of the time the only couple in them. They close one pool when they do watsu and some other experiences but you won't even notice. And do the watsu - it's so cool. There is also a regular outdoor resort-style pool but we didn't use it cause it wasn't warm enough for all that. But if you went in summer I bet it would be awesome. The surrounding plants attract a lot of hummingbirds that are fun to watch.
Activities: They have e-bikes that can do gravel, yoga, farm tour, archery, hikes, etc. All included. All awesome. We also paid the premium for the horseback riding, mixology, and via ferrata. This was a trip where I was just always doing activities and had almost no chill except when I went to the springs. I also took a few wellness options where you can diy stuff like bath bombs, salt scrubs, succulents etc. Most activities are in a group and you sign up at the activities desk (or before you go if you want). There are limited slots but it wasn't ever a problem. I think the perfect arrival combo is to do mixology and then the farm tour. It's the best and most interesting nibble as you go tour and you'll appreciate all the food so much more after seeing the operation.
Spa: I did a daily treatment and doubled up one day because I basically fell in love with my therapist and felt like she was giving me years back on my life. I am sure they're all awesome though and the spa pods by the stream are nice and relaxing.
Food: Delicious. The fact the grow so much of what you eat and that it's using the mineral water makes it all super yummy. The breakfast, lunch and snacks are all great. So many healthy choices that pack a flavor blast and they're very open to you doing some customization to make it what you want. And dinner is a tasting menu that always exceeded expectations. I didn't have a single non-yummy bite the entire trip. They also stock your room with local and good snacks so if you're wanting something in off hours you've got options (or pro-tip is just go to the bar and ask for shrimp cocktail haha cause it's so good).
Drinks: All the cocktails. Their bar program is ridiculously legit. We got a little adventurous with some off menu options that are kinda non-secret secrets like this mezcal, bell pepper, micro-cilantro one they make and I still dream about it. Also the prices are really reasonable for the quality. The wine list was solid and they could do pairings with meals if you wanted but usually we just got a bottle. If you don't finish it they will store it in the cellar for your next meal.
Service: This isn't particularly high-touch or formal but everyone is nice, pleasant and helpful. It's just a place where you ask for what you need. They'll golf cart you anywhere including up to the springs. The activities team is also just so happy (all the staff is) and def give the vibe that the owner gives them a lot of freedom to add things based on their interests and passions which I really appreciate. This is the place where I realized I like to "pal around" with staff cause they activities and bar crew was so cool here that we ended up being friends with some of them.
Summary: I would absolutely go back. It's a great space to choose your own adventure and chill or run around crazy depending on how you wanna be. And the only AI I have been to that had better food was Naviva (at double the cost) so if you're a foodie I think you can be happy here. I know they do a lot of promo and pay to be on lists and stuff and they almost always look like they have space online which maybe makes it seem less nice (cause to me it seems like they're trying hard). But anyway, we really loved it and for most of my friends it's the first place I recommend as intro spot into chubby/fat travel.
Hopefully this helps! Happy travels.

I've been looking for front and back seat cover sets for my 2022 Elantra. I don't want anything junky looking, but I also don't want to spend an arm and a leg. I'm looking on Amazon but there are so many options with reviews all over the place.
I'd appreciate any real world feedback and suggestions specifically for an Elantra.

Introduction: Earn Money Online Without Investment

The Dream of Earning Online

Have you ever dreamt of making money without leaving your home? Maybe you’ve pictured yourself working from your favourite coffee shop or a cosy corner of your living room. You could be a student needing extra cash, a stay-at-home parent looking to contribute to the family budget, or just someone interested in diversifying your income. Well, you’re not alone. The idea of earning money online has captivated the imagination of people everywhere.

Why It’s Popular

And it’s no surprise. The internet has opened doors that didn’t exist a couple of decades ago. Today, you can make money online in so many ways it’s almost overwhelming. The flexibility is a huge plus—you can set your hours, work from anywhere, and even balance a regular job with online gigs on the side. It’s like having a digital toolbox complete with opportunities, each with its unique benefits.

What to Expect from This Guide

But let’s get real: there’s a lot of noise out there. You might’ve seen those ads promising you’ll get rich quickly or make thousands of dollars with zero effort. Spoiler alert: those are usually scams. The truth is that earning money online takes time, effort, and a bit of know-how. The good news is that’s exactly what we’re here to talk about.
In this guide, we’re going to explore legitimate ways to earn money online without needing to invest a dime. Whether you’re into freelancing, content creation, or other creative ventures, we’ve got you covered. We’ll also share tips to help you avoid scams and make the most of the opportunities you find.

Ready to Dive In?

So, if you’re ready to start your online earning journey, grab a cup of coffee (or your beverage of choice), and let’s get started. By the end of this guide, you’ll have a clear understanding of the various paths you can take to make money online without any upfront investment. Let’s jump in!

Section 1: Understanding the Basics of Earn Money Online

Clearing Up Misconceptions

When you think about earning money online, you might picture something like those cheesy ads that promise you’ll make thousands of dollars just by clicking a few buttons. If only it were that easy! Here’s the truth: while there are tons of legit ways to make money online, there’s also a lot of hype, scams, and get-rich-quick schemes to watch out for. It’s essential to approach the online world with a healthy dose of skepticism and do your homework before diving in.

Avoiding Scams and Pitfalls

So, how do you avoid the traps? First, remember that if something sounds too good to be true, it probably is. Be wary of sites or people that ask for your personal information or upfront fees. Legitimate opportunities shouldn’t require you to pay money to get started.
Another thing to watch out for is promises of easy money. Sure, you can earn money online, but it takes time and effort, just like any other job. If someone says you can make a fortune with minimal work, they’re likely not being upfront with you. Stick with reputable platforms and do your research on companies and websites before committing.

Skills You’ll Need

The good news is that you don’t need to be a tech wizard to start earning money online. But a few basic skills can make a big difference:

• Digital Literacy: Knowing your way around a computer, essential software, and the internet is vital. If you can browse websites, send emails, and work with documents, you’re off to a good start.
• Communication Skills: Whether you’re freelancing, working in customer service, or creating content, you’ll need to communicate effectively. This includes writing clearly, responding to messages promptly, and being professional in your interactions.
• Self-Motivation: Unlike a traditional job with a boss hovering over your shoulder, working online means you’re in charge. You’ll need to stay organized, set your schedule, and stick to it.

Building a Solid Foundation

So, before you start looking for online earning opportunities, take a moment to assess your skills and make sure you’re ready for the journey ahead. If there’s an area where you need to improve, there are tons of free resources online to help you level up. And remember, the most critical skill of all is the ability to learn and adapt. The online world is constantly changing, so being open to new ideas and willing to learn will help you stay ahead of the curve.

Next Steps

With these basics in mind, you’re ready to explore the many ways to earn money online without investment. In the following sections, we’ll cover a variety of opportunities, from freelancing and content creation to surveys and microtasks. Each has its pros and cons, so feel free to try a few and see what works best for you.
Ready to dive deeper? Let’s move on to the next section, where we’ll explore some of the most popular online jobs and gigs that you can start without spending a cent.

Section 2: Exploring Online Jobs and Gigs

The World of Freelancing

Freelancing is like the Wild West of the online earning world. There’s a ton of opportunity, but you’ve got to know where to look. The basic idea is simple: you offer your skills to clients, complete a project, and get paid for your work. The best part? You set your schedule and choose the projects that interest you.
Let’s talk about where you can find these gigs. Platforms like Upwork, Fiverr, and Freelancer are popular choices. They connect freelancers with clients who need various services—anything from writing and graphic design to programming and digital marketing. To get started, you’ll need to create a profile that showcases your skills and experience. Don’t worry if you’re new; everyone starts somewhere. Focus on building a solid profile and be proactive about applying for gigs.

Tips for Success in Freelancing

Here are some quick tips to help you succeed in freelancing:

• Be Professional: Clients are looking for people they can trust. Keep your communications clear, polite, and professional.
• Build a Portfolio: Even if you’re starting, you can create samples of your work to show clients what you’re capable of. This is especially important for fields like design and writing.
• Start Small: Don’t be afraid to take on smaller gigs to build experience and get some reviews. As you gain more experience, you can go after more significant projects.

Remote Customer Service

If you enjoy helping people and have a knack for problem-solving, remote customer service could be a great fit. Companies often hire virtual agents to handle customer inquiries, support, and even sales. The work is usually flexible, and you can frequently choose your hours.
Websites like Remote. Co and FlexJobs are good places to find remote customer service positions. The requirements vary, but you’ll typically need a computer, a reliable internet connection, and good communication skills. Some companies require a quiet workspace, so keep that in mind if you’ve got a noisy household.

The Perks of Remote Work

Remote customer service has a lot of perks. You can work from anywhere, there’s usually some training involved, and it can be a steady source of income. Plus, it’s a great way to get experience working in a virtual environment, which can open doors to other online opportunities down the road.

Other Popular Online Jobs

While freelancing and remote customer service are popular options, they’re not the only ways to earn money online without investment. Here are a few other gigs to consider:

• Virtual Assistance: Virtual assistants (VAs) help clients with tasks like scheduling, email management, and social media. It’s a varied role that requires good organizational skills.
• Data Entry: If you have an eye for detail, data entry could be a good fit. Companies often need people to input information into databases or spreadsheets.
• Transcription: This involves converting audio recordings into text. It’s a good option if you’re a fast and accurate typist.

Each of these roles has its own set of requirements and skills, but they’re all great ways to start earning money online without needing to invest any cash upfront. Just remember, success in these jobs depends on your commitment, reliability, and willingness to learn.
Ready to explore more? In the next section, we’ll dive into content creation and monetization. If you’ve ever dreamed of starting a blog, YouTube channel, or podcast, you’re in for a treat!

Section 3: Content Creation and Monetization

The Allure of Content Creation

Creating content is one of the most exciting ways to earn money online. Think about it: you get to share your ideas, showcase your creativity, and connect with people all over the world. And if you play your cards right, you can turn that passion into a source of income. Sounds like a dream, right? Let’s explore some popular ways to make it happen.

Starting a Blog

Blogging has been around for a while, but it’s still going strong. Whether you’re into food, travel, tech, or just sharing your thoughts on life, there’s an audience out there for you. The best part? You can start a blog without spending a dime. Platforms like WordPress and Blogger offer free plans, so you can get your blog up and running in no time.

Here’s a quick guide to getting started:

• Find Your Niche: What do you love to talk about? What are you passionate about? Your niche should be something you enjoy and know a bit about.
• Create Quality Content: The key to a successful blog is providing value to your readers. Share your experiences, give tips, and write in a way that resonates with your audience.
• Monetize Your Blog: Once you have a steady flow of content and some readers, you can start thinking about monetization. The most common methods are ad revenue (using Google AdSense), sponsored content (working with brands), and affiliate marketing (promoting products and earning a commission).

Making Videos on YouTube

YouTube is a powerhouse when it comes to content creation. From gaming and beauty tutorials to cooking and tech reviews, there’s a channel for everything. If you enjoy being on camera or creating video content, YouTube could be your ticket to online income.
Here’s what you need to know to get started:

• Choose Your Content Style: What type of videos do you want to make? Vlogs, tutorials, reviews? Find a style that suits you.
• Build Your Channel: Create a YouTube channel and start uploading videos. Don’t worry if you’re not a pro—everyone starts somewhere. Focus on improving your content with each video.
• Monetize with YouTube: YouTube’s Partner Program allows you to earn money through ads. To qualify, you’ll need at least 1,000 subscribers and 4,000 watch hours in the past year. Beyond ads, you can also earn through sponsorships, merchandise, and even viewer donations (like Super Chat during live streams).

Launching a Podcast

If you have a passion for storytelling or enjoy having meaningful conversations, podcasting could be your thing. All you need is a decent microphone, recording software, and some interesting topics to discuss. Platforms like Anchor make it easy to start a podcast for free and distribute it to major platforms like Apple Podcasts and Spotify.

Here’s how to kick off your podcasting journey:

• Find Your Voice: What do you want to talk about? Your podcast should have a unique angle or perspective to stand out.
• Record and Edit: Start with a simple setup. You don’t need fancy equipment at first—focus on delivering great content. You can always upgrade later.
• Monetize Your Podcast: Once you build an audience, you can monetize through sponsorships, listener donations (like Patreon), or even selling merchandise related to your podcast.

Tips for Success in Content Creation

Creating content is fun, but it also requires consistency and patience. Here are a few tips to help you succeed:

• Be Consistent: Whether you’re blogging, making videos, or podcasting, consistency is critical. Stick to a schedule so your audience knows when to expect new content.
• Engage with Your Audience: Respond to comments, ask for feedback, and build a community around your content. This helps you create a loyal following.
• Keep Learning: Content creation is constantly evolving. Stay up-to-date with trends, experiment with new ideas, and never stop learning.

Ready to turn your creativity into cash? In the next section, we’ll explore online marketplaces and how you can sell products and services without any upfront investment. Let’s keep the momentum going!

Section 4: Navigating Online Marketplaces and Sales

The World of Online Marketplaces

Online marketplaces are like virtual bazaars where you can sell just about anything, from handmade crafts to digital products. If you’re someone who loves creating or has a knack for business, this is your playground. The best part? You don’t need a significant investment to get started—just a bit of creativity and some hustle.

Selling Handmade Goods

Have you got a crafty side? Then you’ll love Etsy. This platform is the go-to place for handmade and unique items. Whether it’s jewellery, home decor, custom clothing, or artwork, there’s a market for it on Etsy. To get started, you need to set up a shop, list your products, and you’re in business.

Here are some tips for success on Etsy:

• Quality Photos Are Key: Since buyers can’t touch or see your items in person, great photos are crucial. Make sure your pictures are clear and well-lit, and show off your products from different angles.
• Write Compelling Descriptions: Describe your products in a way that highlights their unique features. Include measurements, materials used, and any other details that might help buyers make a decision.
• Engage with Customers: Be responsive to messages and reviews. Good customer service can lead to repeat business and positive word-of-mouth.

Print-on-Demand Services

If you’re more interested in creating designs than making physical products, print-on-demand is for you. Platforms like Redbubble and Teespring let you create designs for t-shirts, mugs, phone cases, and more. You upload your designs and choose which products to sell, and the platform handles the printing, packaging, and shipping. You earn a commission on each sale.

Here’s what you need to know about print-on-demand:

• Create Eye-Catching Designs: Think about what people would love to wear or use. You don’t need to be a professional designer, but having a unique style helps.
• Promote Your Products: Use social media to showcase your designs and drive traffic to your shop. The more visibility you get, the more chances you have of making sales.
• Experiment with Different Products: Feel free to try different types of merchandise. Sometimes, a design that doesn’t work on a t-shirt might be a hit on a mug or phone case.

Selling Digital Products and Courses

Digital products are another fantastic way to earn money online. You can create and sell things like ebooks, templates, graphics, or even online courses. The beauty of digital products is that once you make them, you can sell them repeatedly without any additional cost.

Here are some ideas for digital products you can create:

• Ebooks: If you’re knowledgeable about a specific topic or have a story to tell, consider writing an ebook. Platforms like Gumroad and Amazon Kindle Direct Publishing make it easy to publish and sell your work.
• Online Courses: Have a skill you’d like to teach? Creating an online course can be a great way to share your expertise and earn money. Platforms like Teachable and Udemy offer tools to make and sell courses.
• Templates and Graphics: If you’re into design, you can create templates for things like presentations, resumes, or social media graphics. These are in high demand, and platforms like Creative Market allow you to reach a global audience.

Making the Most of Online Marketplaces

No matter which online marketplace you choose, the key to success is finding a niche and providing value to your customers. Here are some additional tips to help you thrive:

• Keep Your Shop Updated: Regularly add new products and keep your listings fresh. This keeps customers coming back to see what’s new.
• Encourage Reviews: Positive reviews can boost your shop’s reputation. Encourage satisfied customers to leave reviews and use their feedback to improve your products.
• Stay Organized: Selling online can get busy. Use tools to track orders, manage inventory, and keep your business running smoothly.

Now that you’ve got a handle on online marketplaces and sales let’s move on to the next section, where we’ll explore earning through surveys and microtasks. If you’re looking for quick and easy ways to make some extra cash, this is the section for you!

Section 5: Earning Through Surveys and Microtasks

A Quick and Easy Way to Make Extra Cash

Surveys and microtasks might be right up your alley if you’re looking for a straightforward way to earn money online without much commitment. You can do These simple tasks in your spare time without any special skills or long-term contracts. You won’t get rich from these, but they can be a fun way to earn extra cash for your coffee habit or those late-night online shopping sprees.

Getting Paid for Your Opinions: Online Surveys

Online surveys are what they sound like: companies pay you to share your opinions. They use your feedback to improve their products or services, and in return, you get rewarded. It’s a win-win! Sites like Swagbucks, Survey Junkie, and Pinecone Research are among the most popular platforms for online surveys.

Here’s how to get started with online surveys:

• Sign Up for Multiple Sites: Don’t put all your eggs in one basket. Sign up for a few different survey sites to increase your chances of getting more surveys.
• Be Honest and Consistent: Survey companies value genuine responses. Be honest with your answers and consistent in your profile information.
• Cash Out When You Can: Most survey sites have a minimum threshold for cashing out. Once you reach it, don’t wait—redeem your points or cash right away.

The World of Microtasks

Microtasks are another way to make money online without investment. You can quickly complete small tasks, like data entry, transcription, or categorizing images. Platforms like Amazon Mechanical Turk and Clickworker offer a wide range of microtasks you can do from the comfort of your home.

Here are some tips for working with microtask platforms:

• Focus on Speed and Accuracy: Since these tasks are small, completing them quickly but accurately is essential. The faster you work, the more you can earn.
• Choose Tasks You Enjoy: A variety of tasks are available, so find the ones that you find interesting or enjoyable. This will make the work feel less like a chore.
• Be Consistent: Just like with surveys, consistency is critical. Try to dedicate some time each day to complete a few microtasks, and your earnings will add up over time.

Maximizing Your Earnings

While surveys and microtasks won’t replace a full-time income, there are ways to maximize your earnings. Here are a few strategies to consider:

• Set a Schedule: Dedicate a specific time each day to complete surveys or microtasks. This helps you stay on track and earn a steady income.
• Look for Bonus Opportunities: Some survey sites offer bonuses for completing specific tasks or reaching milestones. Keep an eye out for these opportunities.
• Join Referral Programs: Many survey sites and microtask platforms offer referral programs. By inviting friends or family to join, you can earn extra rewards.

With surveys and microtasks, you’re in control. You can do them while watching TV, during a lunch break, or even while waiting for a friend at a coffee shop. It’s a flexible and easy way to make some extra cash without any upfront investment.
Now that we’ve explored these quick and easy earning methods, let’s move on to the next section, where we’ll discuss other creative ways to make money online without investment. From affiliate marketing to online tutoring, there’s something for everyone!

Section 6: Other Creative Ways to Earn Money Online

Beyond the Basics: Exploring New Avenues

If you’ve made it this far, you know plenty of ways to earn money online without investment. But there’s more! In this section, we’ll dive into some other creative ways to make cash from the comfort of your home, your favourite coffee shop, or anywhere you have an internet connection.

Affiliate Marketing: Earn by Recommending

Affiliate marketing is like getting paid for spreading the word about products or services you love. It works like this: you promote a product through a unique link, and you earn a commission when someone buys through that link. It’s a great way to make passive income because once your content is out there, it can generate earnings.

Here’s how to get started with affiliate marketing:

• Find the Right Affiliate Programs: Choose programs that align with your interests and content. Amazon Associates is a popular option, but many others are in various niches.
• Create Content That Naturally Promotes Products: Write reviews, create “best of” lists, or share personal experiences with products. The key is authenticity—people can spot a hard sell from a mile away.
• Track Your Links and Performance: Most affiliate programs offer dashboards to track clicks and sales. Use this data to see what works and adjust your strategy as needed.

Online Tutoring: Share Your Knowledge

Online tutoring could be a perfect fit if you enjoy teaching or have expertise in a particular subject. Platforms like VIPKid and Tutor.com connect tutors with students from around the world. You can teach English to international students or tutor in subjects like math, science, or history.

Here’s what you need to know about online tutoring:

• Requirements Vary: Some platforms require a degree or teaching experience, while others focus more on your knowledge and communication skills. Check the criteria before applying.
• Flexibility Is a Plus: You can often choose your hours and work from anywhere with a stable internet connection. It’s a great way to earn money on your schedule.
• Prepare for Your Lessons: Even if you’re an expert, preparation is key. Have lesson plans ready, and be patient with your students—they’re here to learn, and you’re here to help.

Virtual Assistance: Helping Others, Earning Money

Virtual assistants (VAs) are in high demand. Businesses and entrepreneurs need help with tasks like email management, scheduling, social media, and more. If you’re organized, detail-oriented, and good with people, this could be an excellent online gig.

Here’s how to get started as a virtual assistant:

• Learn the Skills Needed: While you don’t need special certifications, you should be comfortable with standard office software and communication tools like Slack or Zoom.
• Find VA Opportunities: Websites like Zirtual and Belay specialize in connecting virtual assistants with clients. You can also find VA gigs on freelancing platforms like Upwork.
• Show Your Value: As a VA, you’re helping someone else run their business smoothly. Be proactive and reliable, and consistently deliver your best work. Happy clients are more likely to refer you to others.

Experiment and Find Your Path

There are so many ways to earn money online without investment, and these are just a few more examples. The key is to find what suits you best. Whether you’re into affiliate marketing, tutoring, or virtual assistance, there’s something for everyone.
Take your time, explore different opportunities, and don’t be afraid to experiment. You might enjoy a combination of various online gigs. The beauty of online work is its flexibility—you can mix and match to create a setup that works for you.
In the final section, we’ll wrap things up and share some final tips for success in your online earning journey. Ready to bring it all together? Let’s go!

Conclusion: Bringing It All Together

You’ve Got the Tools—Now What?

Wow, we’ve covered a lot, haven’t we? From freelancing and content creation to online tutoring and virtual assistance, there are so many ways to earn money online without investing a dime. The trick is figuring out which path fits your skills, interests, and lifestyle.
But remember, earning money online isn’t about quick fixes or overnight success stories. It takes time, effort, and a lot of learning along the way. The good news is that you don’t have to go it alone. There are communities, resources, and platforms designed to help you succeed. And that’s where you come in.

Taking the First Steps

So, where do you start? Take a deep breath, think about what excites you, and start small. If freelancing sounds appealing, create a profile on an Upwork or Fiverr platform and apply for gigs. If content creation is your thing, create a blog or YouTube channel and start sharing your passion. The important part is to take that first step.

Building a Routine

One of the keys to success in the online world is consistency. Set aside time each day or week to work on your online projects. This could be writing blog posts, filming videos, completing surveys, or whatever else you’ve chosen. Building a routine will create momentum, and that’s when things happen.

Don’t Be Afraid to Experiment

The first thing you try doesn’t quite click. That’s okay! The beauty of online work is that you can experiment without a huge commitment. Try a few different avenues and see what feels right. You may discover a new passion along the way.

Keep Learning and Growing

The internet is constantly evolving, and new opportunities always pop up. Stay curious and open to learning. Join online communities related to your field, follow industry blogs, and watch for trends. The more you learn, the more equipped you’ll be to take advantage of new opportunities.

Final Thoughts

Earning money online can be incredibly rewarding. It gives you the flexibility to work on your terms and explore your passions. Whether you want to earn a little extra cash or build a full-time online career, the possibilities are there for the taking.
So go ahead, dive in, and start exploring. With the right mindset and persistence, you’ll find the path that’s perfect for you. And who knows? You might be the next success story in the world of online earning. Good luck, and happy exploring!
Originally published at https://hostfocuz.com

Allez, animation de la journée sans actus.
Une question inspirée par le film "La cité de Dieu" vu avec ma copine (super film dans les favelas brésiliennes). Après le visionnage, on a découvert qu'il y avait des visites guidées dans les dit-favelas, pourtant réputées pour être des endroits très peu sûrs (on peut même trouver des reviews sur TripAdvisor laissés par des gens parfois déçus car l'endroit n'était pas aussi dangereux que dans le film et qu'ils n ont vu aucun gosse armé d'AK47).
Me concernant, ce sera le quartier de Christiania à Copenhage. C'est un quartier qui est présenté positivement comme un "bastion hippie en autogestion". Dans les faits, il y avait une ambiance "camp de réfugiés pendant une guerre civile" avec des dealers accompagnés d'énormes chiens, une route defoncée, des junkies et des tags partout. Ca puait l'agression potentielle.
Quelques années plus tard, ils ont décidé de mettre fin à la tolérance sur la drogue, je n'ai pas dû être le seul à avoir cette sale impression : https://www.lemonde.fm-le-mag/article/2024/04/14/a-copenhague-au-c-ur-du-quartier-de-christiania-les-dealeurs-de-pusher-street-sont-pousses-vers-la-sortie_6227758_4500055.html