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How Technology is Changing the Mortgage Industry

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mortgage industry

Technologies that have revolutionized other industries are–finally–revolutionizing the mortgage industry as well.

Technology has changed every part of our lives, from socializing, shopping all the way to property buying. 

One way that the property industry is changing is with mortgages. With new technology being introduced, gaining a mortgage has changed dramatically. 

Believe it or not, technology has revolutionized how we apply for and obtain a mortgage. 

In the past, some even states offered free land or to apply for a mortgage, we would have to drop by the local bank or mortgage lender and speak to a Loan Officer. This could be lengthy and intimidating – and didn’t always promise the result that you wanted. 

Now, you can send, receive, and manage all your documents without even meeting face-to-face. 

So, how has technology completely revolutionized the mortgage industry?

Below, we explore the main changes that technology has brought on the mortgage industry. 

mortgage industry

Consumer expectations 

There is now a consumer expectation that at least part of the process will be online or digitally. 

Even if this means that customers will be able to communicate with their bank or loan lender, in the same way, that they would anybody else. 

There’s undoubtedly an increase in consumers wanting to submit documentation electronically. The challenge in the mortgage industry is keeping everything secure, as well as accessible. 

Technology has completely changed how we apply, communicate for, and manage our mortgages. 

Regulations 

One of the main challenges that the mortgage industry has, in terms of technology, is to work within the regulatory framework. 

The main issue is, particularly with anti-money laundering. Lenders have to prove that a customer is telling the truth about their identity and that security is adequate. 

While technology has undoubtedly simplified some processes, they still tend to do things in a formulaic manner. The most significant change will be the addition of a single source of application data. 

Regulations are always a main concern, especially regarding money. Technology will unquestionably solve many of the regulatory issues in the future. 

Automation 

Technology is convenient, nobody can deny that. 

Many people have embraced automation and technology, noticing that it removes any wasted effort from the mortgage process. 

Specialist mortgage markets should not be threatened by automation, either. The complexity of their cases means that bespoke and personalized services will always be needed – automation just makes tedious tasks a little more manageable. 

Robo-underwriting will never replace the human element in the process, it will only make it a little more straightforward. 

Also, sourcing systems can immediately respond to applications with a quote and any information that they’ll need. 

Risk-based pricing 

Many organizations may be rich with data, but do they genuinely know their customers? 

Collecting the right data from people means that you can get risk-based personalized pricing. 

Technology has already improved how we collect data, and also how we organized it. 

AI

AI is arguably the primary way that technology has transformed the mortgage industry. 

Lenders are turning to AI to reduce the time and cost it takes to close a mortgage. 

AI is driving a new generation of software that will automatically process mortgages and replace slow and costly manual processes. 

AI will also make OCR technology more obsolete. You might already know, OCR was invented almost a century ago – and it just feels outdated. 

OCR is expected to give way to AI, which will enable machines to read content and react. This means that manual document processing is replaced by software-based robotics processing. 

There’s also a possibility that “instant mortgages” will become a thing. Consumers will be able to get their mortgage approved in days, rather than weeks. This has become known as an “Uber experience.” 

It’s safe to say that AI is changing the mortgage game. 

Customer retention 

Customer retention is a significant interest for mortgage providers. The potential to support customers, even post mortgage, is highly appealing – which is something that technology can help with. 

Even just be able to communicate with your clients and customers more effectively can help to improve customer retention. To improve communication, consider translating or localizing your website. There are now many tools and services like PickWriters that allow organizations to delegate translation and localization projects without hiring in-house teams.  

Interest rates issues

Technology can also be used to predict which customers are more likely to be affected when interest rates increase. 

You can use technology to understand a customer’s true situation and identify vulnerable customers. Once identified, you can train your staff to be able to properly deal with these vulnerable customers. 

ID verification 

As you know, a customer has to provide ID documentation to the estate agent, lender, intermediary, and the conveyancer. 

Imagine if there is an ID hub for all verifications? This would allow every stage of the process to access the ID quickly and straightforwardly. 

Perhaps blockchain technology can introduce this kind of ID hub. 

Helping with data 

The main reason that the process of securing a mortgage has been so complicated is down to the vast amount of data involved. 

Technology can bring fragmented systems together – from credit files, all the way to appraisals and contracts. 

Mortgage originators can’t access loan-related information, like comparables and financial history, from anywhere. This makes it easier for everybody involved. 

All in all, this has completely shortened the mortgage process. 

Conclusion

Just like with every type of industry, technology has completely revolutionized the mortgage market. 

For both the lenders and those applying, the process no proves to be much shorter and less stressful. 

As technology and AI develops, the mortgage industry will undoubtedly reap the benefits – allowing for faster, more accurate, and more personalized services.

15 Places in the US Giving Out Free Land in 2020

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free land

Since the implementation of the Homestead Act in 1862, the US has been providing land for construction of homes and operation of farms to homesteaders. Though the act is no longer operational to get free government land for homesteading in 2019, many rural regions and counties in the US are offering free land to improve economic activity and business sentiment. 

This means that anyone has the chance to obtain land in various states with some conditions.

According to an article in the Washington Post, entry-level housing (which entails the homes millennials can most afford) has been particularly scarce. The D.C. region has less than a 90-day supply of condos costing between $400,000 and $600,000. In the Dallas area, barely a one-month supply of those homes are for sale. So finding ways to get creative and researching how to get free land is a great way to find affordable housing.

Here are 15 places in the US giving out free land in 2019:

How to Get Free Land in the US

These states offer free land in the US and you can really get free land through homesteading.

1. Marquette, Kansas

To get a free home, you require to start the building process in 120 days of allocation of land and at least 1000 sq. ft. should be completed in 12 months to meet the design standards of residences. This offer has proved successful in increasing the small-town population and still has a lot of interest today.

Not only does it boast of a small-town community, countryside pleasures and it is not too far from a big city. So, if you’re ready to build your house from the ground, Marquette is a great option.

2. Marne, Iowa

On the back of their plummeting population, Marne is providing free land to get more residents in the South-western region of Iowa. Within 45 minutes to an hour from Omaha and Des Moines, this small town has huge potential for those looking for free land. 

And there must be something about this little town that attracts a lot of attention with lines ringing off the hook when free lots were announced. This is a great sign for anyone looking to relocate as a new community is forming in Marne and it shows that area is in high demand.

3. New Richland, Minnesota

Around 86X133 foot residential lot is allocated for free land, which should be built within a year once the land is deeded to you. With a population of 1200, it is much bigger than the two towns already mentioned, this may be a better choice if you do not like small-town limitations.

Although New Richland prides itself on its warm community, the activities it holds for residents and nearly 100 small businesses in town. Of course, it is different from city living but it feels as though you will not be missing out on much with this well-rounded and bright town.

4. Beatrice, Nebraska

Beatrice has its own Free land act called the Homestead Act, 2010. Here, you can obtain free land and build your house on real property after following certain specific conditions: obtain a building permit, build within 1 year and live in the house for at least 3 years. The act was resurrected to boost their population but had little interest, to begin with.

The town sits along the Big Blue River and boasts of acres of farmland. A much bigger population of 12,000 could be more appealing and the surroundings attract a lot of attention so be quick before all the lots are gone! 

5. Flagler, Colorado

This city in Colorado has allocated around 480 free acreage lots for business and commercial purposes. The free land program comprises of allocation of land provision based on the number of jobs the commercial entity it will create for the population of around 650 people.

The land is not limited or set out as the town intends to allocate the land depending on the type of business and the number of jobs it will provide for its community. It may be small but there is a lot of variety in the businesses already there and with a rail line and airport not far south, it holds a lot of opportunity for a commercial building.

6. La Villa, Texas

The city of La Villa is providing free land of 91 plots for the development of a residential property.  The free land program was started in the early 2000s but was stopped due to poor infrastructure. Now with huge reservations over 4 years, the city is ready to welcome some new, friendly faces.

 Despite the land being free, you will have to pay respective property taxes for the land. A 5-year lease is associated with the land wherein if you plan to sell the land within the lease period, you will pay the local government a certain amount. However, a town of 1200 people that states it is a ”Small City with a Big Heart”, it could definitely be worth the risk.

7. Plainville, Kansas

In order to grow its community of around 2000, Plainville is offering free land of around 155 foot (wide) x 93 foot (deep) lots. There are certain rules pertaining to the local council which needs to be approved during the application process and a returnable $500 deposit. With these lots, you have 18 months to build once attained, so a little less time pressure.

The town itself has a population of 2000 and is not far from the beautiful Webster Reservoir and State park and its original name ‘Paradise Flats’ lends to the attraction of the land. 

8. Agate, Colorado

The city is providing free lots of its 60-acre land for those who are willing to grow farms and livestock. Despite the land being free, a share of crops or earnings thereof needs to be donated to the Meadowlark Cooperative and you have to pay for the construction cost of the home. 

Agate could be the farming haven you are looking for and grabbing free land here could be a great investment with median housing costs at $395,900.  Being an hour away from Denver provides the small-town peace and quiet with easy access to city necessities.

9. Lincoln, Kansas

The city has a free home site program providing free land within city premises near their Baseball Park, golf course, and major shopping centres. This town has invested a lot into this subdivision and into the growth of their town so being part of this growing town offer opportunity and fun.

10. Muskegon, Michigan

This big city provides free industrial and commercial park property for businesses in the Michigan Renaissance Zones. The area provides facilities like lower rates of electricity and water, tax benefits, among others.

Muskegon is a great community, full of fun and activities and it would be a joy to join this vibrant city. However, it seems the Local Economic Developers need you to fit their requirements and create jobs for their town.

11. Buffalo, New York

The city provides an Urban Homestead Program, wherein the land is offered at a meager rate of USD 1. The program provides options of land and built homes but the requirements to obtain this is a long list. Although, if you do meet all of these requirements, then Buffalo is a hot destination for homesteading.

Buffalo is not a small town but a thriving city and using the Urban Homestead Program to increase the population and renovate the deteriorating, vacant properties. On a developing waterfront and only 20 miles from Niagara falls, Buffalo could be the destination for you.

12. Osborne, Kansas

In Osbourne, you can get free land for both commercial and residential use by depositing USD 500 which is returned post completion of construction. You must begin the construction process in 12 months from the date of allocation, and move in within 24 months’ time. 

A small town of 1500 people, it is a great outdoor destination with fishing, hiking and biking opportunities. If you are an active person and have business prospects, maybe Osbourne is a good place to settle and grow yourself as well the town. 

13. Mankato, Kansas

The city is offering free land lots for residential property construction is no less than 1200 sq. ft. The construction should begin in 6 months from the time of allocation and the lots are not far from the school, hospital, shopping centers and restaurants. 

This is a tight-knit community of 900 and wants their new residents to get involved. So, if a friendly community and easy access to important facilities are what you are after, then Mankato is a place to settle and get your hands on free land.

14. Loup City, Nebraska

To get free land in Loup City, you need to make a deposit of $1000. However, the deposit is returned once the construction of the home is finished. This small town boasts of a now rising population, a quiet environment but not too far from a city that it is isolated. 

15. Claremont, Minnesota

In order to get free land under Claremont’s homesteading program, the gross annual income of the family of two should be less than USD 84,200, or a family of three should be less than USD 104,000. However, Claremont has not had much interest and growing its population is slow going and the town is not quite thriving. Could you be the new addition they need?

So, 15 places giving out free land for you to choose from with various conditions and communities. Have you found one that might take your liking? Good luck with your future investments and new settings.

Author Bio

Steve is the owner behind the website Best Essay Writing Company. He is a retired Financial adviser who now helps students find the right support and tutoring services for them. He is passionate about education and learning.

Millennial Professionals: Should You Rent or Buy a House?

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should I rent or buy

Are you wondering should I rent or buy a home? Here are some reasons to help you weigh the rent-versus-buy decision.

Owning a home is a dream for most millennials. Unfortunately, the state of the economy today doesn’t often allow for this dream to be fulfilled. The job market remains weak, and student debt is increasing exponentially. These factors put home ownership on the backburner for most millennials. Even as they find better-paying jobs, earn supplemental income through easy side hustles and ways to earn money, millennials are encountering an unfortunate reality: the housing market today has the fewest number of homes available for sale on record!

A healthy housing market has approximately a six month supply of homes. As it stands though, the supply of homes would be exhausted in merrily 3.5 months. According to an article in the Washington Post, entry-level housing (which entails the homes millennials can most afford) has been particularly scarce. The D.C. region has less than a 90-day supply of condos costing between $400,000 and $600,000. In the Dallas area, barely a one-month supply of those homes are for sale.

There are many factors that contribute to this shortage of homes. Primarily, most housing experts blame low inventory on builders themselves. Builders drastically scaled back after the recession, and the housing momentum hasn’t picked up enough since then. The slow rise in housing starters isn’t enough, and construction still remains far below healthy levels. According to Robert Dietz, chief economist of the National Association of Homebuilders, “The challenge is really adding inventory at the entry-level space.” Given the rising costs associated with land development, wages, and land, it becomes difficult for builders to add affordable inventory at a cost that would meet first-time buyers’ or millennials’ expectations.

Do Millennials Want to Buy a Home?

quick cash loans

The sad part is that millennials still aspire to buy a home, and definitely expect to own a home one day. Among people ages 25 to 34 who rent, 93 percent say they are likely to buy a home someday, according to The Demand Institute.

Even though the idea of homeownership is great, a lack of planning or premature decisionmaking can make it an absolute nightmare. In reality, the cost of home-owning doesn’t simply stop at a mortgage. Insurance, utility bills, fixing household problems and property taxes are just the tip of the iceberg, as is evident in Fiscal Tiger’s extensive home loan glossary. Even with the aid of property tax loans and tax-deductible payments, the costs do add up.

Millennials are quick to get lured in by the appeal of getting closer to owning an asset every month. However, an article in The Guardian warns millennials of getting sucked in without adequate thought. Often millennials will stretch themselves financially to pay off mortgage loans in the hopes that their income will significantly rise. Unfortunately, this rarely happens in a decent enough timeframe, leaving their personal finances in a state of mayhem. In fact, relative to earlier generations, today’s cohort of young people is making less money, considering their education; they are more indebted with student loans and are likely to be underemployed and finding alternative methods to make money.

Should Millennials Rent or Get a Mortgage?

money management tips

Considering one’s stability is probably the most important factor to consider when deciding whether to buy or rent, especially at a time then are less than sufficient houses out on the market. According to The Guardian, “That means how stable their job is (and how likely they are to get promotions and raises over the coming years), how stable their relationship or marriage is (is there a risk that they might have to sell the house at a bad time in the market because of a divorce or split?), and how stable their career path is (might they move cities or states to work for a different company or attend graduate school?)” If there is even a little doubt while answering these questions, and the slightest possibility they may not be staying in that house for five or more years, then buying is a poor decision. In fact, divorce and loss of income are two of the top five causes of financial distress that lead to foreclosure.

So what does this mean for the average millennial? Well, for one, millennials should definitely NOT entirely give up their dreams of buying a home. Rather, it means they should wait to buy when the housing market picks up again and there are more options that are suitable to first-time buyers. This would allow for more flexibility, better suiting the millennial lifestyle.

How to Dispute an Error on Your Credit Report

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dispute credit report

To dispute credit report errors, send a letter to the credit bureau that generated the report with the inaccuracy and explain what the error is. The bureau generally has up to 35 days to investigate and respond.

“We can’t approve you for the auto loan,” the bank teller told me. “There’s a collection on your credit report from New Mexico Teachers Credit Union.”

“What?!?” I blurted out. “I’ve never even been to New Mexico. That has to be a mistake.”

The Embarrassment of Wrongful Credit Denials

I wanted to hide.  This was the lobby of one of those grocery store credit unions near the grocery checkout line — with zero privacy. As shoppers walked by, I imagined them judging me, thinking, “tsk, tsk. Look at that dumb girl who doesn’t pay her bills.”

It was August 2005, I was 27 years old, and had lived in Anchorage, Alaska for less than two months. I was somewhat recovered from the Alaska Bar exam and could finally turn my attention to life’s odds and ends, like getting some used wheels. A coworker’s brother was selling his ten-year-old truck, so he and I went to the local credit union so I could get a small auto loan.

I had some student loans, but I had a job and no credit problems. At least no credit problems of my own. As it turned out, I had someone else’s stuff on my credit report.

Meet the Fair Credit Reporting Act

That was the first time I’d ever had to think about the Fair Credit Reporting Act (“FCRA”), a federal law that protects us consumers in these embarrassing situations. The FCRA has been around for over 40 years and applies to credit reporting agencies (often called “credit bureaus”) such as Equifax, Experian, Trans Union, and creditors whose stuff shows up on credit reports, known as “furnishers” in FCRA world. The credit reporting companies manage gigantic databases containing the credit files of millions of American consumers. When account data comes in from a creditor aka furnisher, the credit reporting agency computers matches those accounts to consumers’ credit files. That’s how accounts show up on your credit report.

My coworker’s brother and I spent the next couple of hours pacing the bank lobby while the bank teller made phone calls to try to get me approved for the loan. As luck would have it, there was someone with a social security number only two digits off from mine who had defaulted on a loan at New Mexico Teachers Credit Union. The banks talked to each other and confirmed the collection account was definitely not mine. I got the truck loan and opened a checking account. A few weeks later I got a form letter from New Mexico Teachers Credit Union confirming that I had never had an account with them. The bogus account disappeared from my credit report. I moved on with life.

Credit Report Errors: Furnisher Errors and Mixed Credit Files

The FCRA requires credit reporting agencies to have reasonable procedures to ensure the maximum possible accuracy of our credit files. Your name, social security number, and geographical location are all factors used to match accounts to consumers. In my situation, I was told that someone had transposed two digits on someone else’s social security number when filling out a form to send information about the defaulted account to the credit reporting agencies, so it was my social security number on the form. And thus, the account that wasn’t mine slipped into my credit file like a party crasher, and was helping itself to the appetizers.

Worse than that are the mixed files. Similar to the 2017 Oscars when Faye Dunaway and Warren Beatty got the wrong envelope and mistakenly announced La La Land instead of Moonlight as Best Picture, sometimes there’s a mix-up backstage. A credit reporting agency might erroneously mix the credit file of one consumer with a different consumer with a similar social security number and same or similar name. This can be devastating if you are the consumer with good credit, and you are mixed with a consumer with bad credit. Many people do not know that they are mixed until they go to buy a car or apply for a mortgage. What’s worse, many people cannot fix a mixed file on the spot the way my problem got fixed on the spot. They are wrongfully turned down for credit faster than they can dispute the false information.

FCRA Dispute and Reinvestigation

Don’t be like I was back in the day. Before you apply for credit, get your credit reports at www.annualcreditreport.com, the best place to get them. The moment you see something on your credit report that is not yours, you need to dispute it. The best way to do this is in writing, via certified mail — not through a credit repair company. Do it yourself instead, and save your mail receipts and copies of your dispute letter. The Federal Trade Commission has clear instructions and a sample dispute letter at its website.

The credit reporting agency has 30 days to conduct a reinvestigation of your dispute. The credit reporting agency should in most situations contact creditors/furnishers who are reporting accounts falsely as belonging to you and must delete anything it can’t verify.

Fortunately, if a consumer is harmed financially or even emotionally by a credit denial based on false credit reporting, s/he can bring a lawsuit to recover for that harm. This is definitely not something that you should do on your own – the FCRA is complex.

If you need help with a mixed credit file or other false stuff on your credit report, talk to a consumer protection lawyer. You can find one in your local area by visiting the National Association of Consumer Advocates website.

5 Best Personal Loan Companies & Rates for 2019

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best personal loans

We compared the best personal loans. Personal loans can be a great alternative to credit cards for large or unexpected expenses. Enjoy fast and easy online applications. Get a loan today:

LENDERRATES (APR)LOAN AMOUNTVISIT
sofi5.99% – 16.24%up to $100,000GET MY RATE
lendingtree4.79% – 35.99%up to $50,000GET MY RATE
credible5.99% – 35.99%up to $100,000GET MY RATE
prosper7.99% – 35.89%up to $50,000GET MY RATE
upgrade6.78% – 35.97%up to $50,000GET MY RATE

17 Unfamiliar Ways to Earn Free PayPal Instantly in 2019

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free paypal money instantly

Wondering how to make free PayPal money instantly?

Check our list of ways you can earn free PayPal money with no surveys and you can earn quick money that totals $50 dollars or more!

I’m not here to judge anyone. People need to know how to make fast money for all sorts of legitimate reasons.

Maybe tomorrow is your little sister’s birthday and she’s been begging you to buy her that special doll that costs $50. Or maybe you owe $1,000 to a man named Viper. Or you might really need money to pay for this month’s rent.

As I said, there are all sorts of legitimate reasons why you need to make free PayPal money instantly. Of course, you can make money from home with a second job doing crafts or preparing meals, or asking for a fast money loan without going through the bank.  But if you’re looking for creative and unfamiliar ways to make PayPal money fast, I think you’ll love these 17 ideas I’ve compiled for you.

How Can I Get Free PayPal Money?

There are many options to earn money online that are quick, simple and don’t require much effort. We all have limited time, life is fickle. For this reason, I have compiled 17 ways to earn money that are actually possible and can net you some money, the easy way.

Let’s begin.

1. Survey Junkie, Swagbucks, and InboxDollars

InboxDollars is a survey site and one of the best survey sites. I’ve used them before and they are pretty legit. They make money by using the information you provide and use it as market research. So, you’re actually getting paid to participate in surveys, watch videos, play video games, make purchases online, read emails with promotions, use discount coupons or simply make purchases online.

It’s actually kind of fun to do this while you’re watching TV or just bored. Obviously, you will not get rich just by responding to surveys, but it is a way to get extra Paypal income per month.

In the US, here are some of the highest-rated paid survey websites:

  • Swagbucks is one of my favorite survey pages. A large variety of surveys and in different categories and they make payments via PayPal.
  • Another website that I like very much and that is available in several countries is Survey Junkie. You can earn money by taking surveys, watching videos, completing tasks, trying new products, etc … it also has a very cool interface!
  • With InboxDollars you could earn money mainly by watching advertisements but now the most interesting sections are surveys, videos, games, and searching. Plus, they give you a $5 sign up bonus here if you sign up before this month.

2. Lyft

If you want to make legitimate money quickly, driving with Lyft is a smart side hustle.

With Lyft, you get to drive people around your city and get paid well (I’m talking an extra $500 to $1000 a month with just a few hours on the weekend).

Of course, your earnings will vary but you can earn even more now in 2019 since you get tipped directly and even get a $1000 driver sign up bonus in all cities.

The smartest way to earn more is to drive when there is surge pricing. You might have guessed that surge pricing occurs when people are out and about most (weekday & weekend nights).

So instead of partying up this weekend, why not make your PayPal money fast with Lyft?

3. Getaround

Driving for Lyft is legit and the current driver promotion of $1,000 guaranteed is the icing on the cake. But, I can’t always do drive people around with my schedule. 

I have 2 other jobs and that means my car is just sitting in the parking lot 15 hours a day. 

Being the smart side hustler I am, I turned to make money with my idle car and you can too.

You’ve got an asset if you have a car, why not make money with it on Getaround?

Getaround lets you make money by sharing your car. It’s pretty simple to use, just list your car and they handle everything else (insurance, logistics of renting it out, scheduling, handing over keys)… they pretty much do all the work for you.

You can make $50 fast with this side hustle depending on your car and how many hours you can share it per week.

I’m paid monthly and make an extra $520 a month by sharing my car around 26 hours per week (an extra $6,240 a year).

4. Rakuten

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to make free PayPal money the easy way.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings are sure to add up and you can make $50 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

5. Shopify

Use your creativity to make PayPal money if you have knowledge of creating personalized items! You can offer T-shirts, mugs, pillows, sweatshirts, among other products, with customized designs to the clients’ taste on Etsy.

I’ve got a friend that creates art and he can charge whatever he wants. It’s all about creating a lucrative brand, then you can earn a lot. Selling personalized products will help you get money, and you can also use social media to promote yourself and use Facebook ads to reach people all over the country. You can learn more by visiting online stores like Shopify and Etsy.

6. EF Education First

Becoming a tutor is a good option if you have your afternoons free, it also allows you to earn a good amount of PayPal money. The pay is actually very good and can earn an average of $20/hr by teaching English online.

The most recognized website for teaching English online in the US and UK is EF Education First

Live in the U.S. or U.K. and hold a bachelor’s degree? You can earn up to $20.00 per hour to teach kids English online from home. 

7. Fiverr

From the comfort of your home, it is very easy to earn money online using Fiverr. By using Fiverr you can offer your services for $5 or more, and you can easily create an account and start earning PayPal money right now. No joke.

On Fiverr, thanks to a large number of service categories, you can offer a variety of services: from unconventional services, such as writing a phrase on your face or body, writing names with legos or dancing to a song, or professional services such as logo designs, website design, proofreading or writing articles.

Fiverr opens up a whole range of possibilities. One of the advantages of Fiverr is that it allows you to manage your own time and schedule. If you want to know more about how to make money with Fiverr, you can visit the site here.

8. Download GetUpside to Save $50 Fast

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money in your PayPal account by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $200-300 in PayPal cash this year by using it. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

9. HealthyWage

Do all your friends post flashy Instagram pictures and look amazingly good?

Even if they don’t, I wanted to get fit and make it a habit, but it was tough to get started.

What helped me lose over 10 pounds was when I had my own money on the line.

In fact, I was able to do with HealthyWage, and won $1,050 after losing only 10 pounds.

So if you need some extra motivation and an extra $50 or more then head over to HealthyWage to learn more.

You’ll have to decide on how much weight you want to lose and how long you need to reach your goal. You then bet on yourself and can win up to $10,000 depending on your HealthyWager.

10. Airbnb

Another smart way to make PayPal money is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make a couple hundred bucks in under a week.

You can actually see how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“. 

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

If you’re interested in learning more about getting paid for basically being a tour guide or listing your space, you can learn more here.

11. Instacart

You can also make money fast by delivering groceries.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

make $200 fast in a day

How to make that PayPal money though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

12. SavvyConnect

Another option to make money fast is by joining the SavvyConnect community. By joining, you can receive many incentive rewards up to $100 just by simply installing and keeping its app active on your devices from home.

At first, you may feel a little timid about installing random apps on your phone, but you will soon realize that SavvyConnect is the real deal once they start paying you – up to $15 per month ($5 per device type) and up to $180 in a year, simply for remaining active in the SavvyConnect community.

What’s required?  Install the SavvyConnect app to your PC, Smartphone, or Tablet to earn $5 per device per month.

If you feel like you could benefit from making passive income, then consider this passive income opportunitySavvyConnect.

If you’re at all interested in making easy money, then you can learn more about SavvyConnect here.

And you only need to install the free app on your phone, and it’s likely you will make up to $180 this year with this free app!

13. Cushion

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $70 in my account.”

When you want to make a quick $50, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Cushion, a free bot that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

You’ll need a Facebook account to use it, as it communicates with you over Facebook messenger (or via text).

It’s pretty simple to sign up using your Facebook account and takes a minute. You’ll likely be able to save over $50 this year by using it!

14. Ibotta, Checkout 51, Pei

When trying to make $50 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus), Checkout 51 (free groceries), and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $5 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

18. Trim

The next idea for you to save an extra $50 this year is by letting automation do the work for you.

Trim is a money-saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Cushion (I use both since they’re both free).

19. Nielsen Panel

By using the internet as you do every day, Nielsen invites you to make a difference – and you can free PayPal money!

I downloaded this app on all of my devices and make around $50 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year to keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

20. Survey Junkie

There are many sites on the Internet that pay people to fill out surveys. For each survey you complete, the website allows you to earn points that you can exchange for money.

Most sites like Survey Junkie or Swagbucks allow you even cash out your earnings for real cash through PayPal. You could probably make $50 bucks in a month by spending an hour taking surveys a few days a week.

You won’t get rich, but you will earn some money and that’s what this article is all about.

You will find more information and more recommended survey sites and ways to earn money in this article on the best money apps.

What is Payroll Processing?

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payroll processing

Staying on top of payroll can be a time-consuming and stressful process. Especially if you take care of your payroll in-house, it can quickly become a nightmare for business owners. 

When you think of payroll you might associate with issuing paychecks. Indeed this is a very important part of the payroll but payroll is also about filing and withholding taxes and handing paycheck deductions like benefits and garnishments.

Employees of any organization are one of the most valuable assets when it comes to growing a business and making profits. The main ones who interact with all the clients, executing daily tasks and can help to bring new business. All the employees of the organization work really hard for the company’s business, it is very important for them to be rewarded for all their time and efforts towards the organization. Payroll isn’t something about making cheques and to keep a record of your employees getting paid on time. In fact, it is way more than that. When you get into the process of handling the payroll, you will understand it is really a difficult and complicated task, not as easy as it seems. 

One of the biggest reasons many organizations “more known as a small business” chooses to outsource their payroll to a third party. The third-party handles your payroll by giving you the freedom to focus on your business.

Payroll Process

  1. New Hire Procedures
  2. Wage Payments
  3. Payroll Taxes 
  4. Record Keeping 
  5. Proper Classification of Employees 
  6. Software for your Business
  7. Create a Budget

1. New Hire Procedures

When you are hiring a new employee, you are always required to perform a new hiring report with the designated state agency after they’ve been hired. That agency will go ahead and verify if your employees are legally allowed to work in the country and hand over to them the required tax forms to complete the details, Such as a W-4 for federal income tax withholding. If you don’t have this form you won’t be able to withhold the taxes of your employees. 

2. Wage Payments

It is very important to understand the federal and state minimum wage laws – as it is one of the most important things about payroll. Some of the states do have a higher minimum wage than the federal law requires. In such cases, the higher rates will apply. The minimum wage laws also apply to tipped and exempt workers – which is very important to know. 

Additionally, some of the states do require paid rest breaks and have the laws that require paying employees by a certain time. 

3. Payroll Taxes

Employment takes are broken up into two categories: Employer and employee liabilities. You will be responsible as an employer for withholding and paying federal, state and local employment taxes along with your own portion. You should report your taxes to the respective agency. Civil and criminal penalties may apply over you if you fail to comply with the tax regulations. 

Payroll is very complicated and detail orientated – seems very easy but no it’s not. And this is a reason most small businesses find it more cost-efficient to outsource their payroll services to a third-party provider. 

4. Record Keeping

The main requirement of the Fair Labor Standards Act (FLSA) is to maintain certain records for both exempt and nonexempt employees. The FLSA also maintains the records. The required documents include employment contracts, time cards, and records that show the deductions from and additions to wages. You need to be in touch with your state in order to see if they have the record-keeping requirements as well. 

4. Proper Classification of Employees

The Fair Labor Standards Act (FLSA) sets federal requirements for exempt employees; they are excluded from the act’s overtime pay provisions. Employees who are not excluded are labeled as nonexempt, and they qualify for overtime pay if they work more than 40 hours per week. By classifying exempt and nonexempt employees, you might accidentally cause a misclassified employee not to receive the overtime pay he/ she might be entitled to.

In simple words salary-based employees are exempt and hourly based employees are nonexempt. 

It is important to understand the differences between an employee and an independent contractor. Accordingly to the IRS, an independent contractor is a self-employed person. An employee is always paid through payroll and an independent contractor is not.  

Classifying employee as an independent contractor can cause some issues for he/she to receive certain benefits that they might be entitled to such as overtime, family/medical leaves, and unemployment insurance. 

Software for your Business

When you are about to choose your software for your organization, go for the option that is hosted over the cloud. This will help you make it easier to access all of the information regarding your payroll in one place altogether. When and where you need it. 

While finding the payroll software, you should invest in a management program that can make it easier and stress-free payroll for you. 

For example: enable employees to integrate their payroll software into the system, which can boosts collaboration and improve communication during the payroll process.

Create a Budget

While planning your payroll be sure to budget your wages and taxes. As employees are required to pay Social Security and Medicare taxes from time to time. And some are required to pay unemployment taxes. Make sure to always plan ahead of all such expenses. 

Importance of Payroll

In short payroll processing is one of the extremely important parts of a business for legal and financial reasons. Your employees are one of the most important assets whenever it comes to grow or expand your business. 

  • According to Investopedia, payroll is “The sum total of all compensation that a business must pay to its employees for a set period of time or on a given date,” which includes salaries, wages, deductions, bonuses, and net pay.
  • In many cases, payroll is handled by the accounts department of a business/organization
  • Small-business owners may also choose for payroll to be managed directly in-house or by an associate.
  • Payroll marks up the largest deductible for a business, the expense it takes to compensate each employee’s salary or wage is remarkable.
  • Pay periods can also vary due to some situations like overtime or sick leaves.

How to Make $200 in a Day from Scratch

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make $200 fast in a day

We come across moments when we need to come up with ideas on how to make $200 dollars in one day. And it’s often those times that really matter.

Whether you need to make extra cash to get the bills paid or you wanted to save up for something, these 18 legit ideas can help you make $200 in a day.

Depending on your situation, you’ll have to combine one, two or three of these ideas to get your 200 bucks. Creating new income streams can help you reach your goal and diversifying your sources of income is recommended.

With each new income stream you develop, you’ll be one step closer to your goal of getting cash right now.

How to Make $200 Dollars in One Day

make $200 fast

Hopefully, you can stop wondering, “How can I make $200 fast right now?” because we’ll only include legitimate and safe ways to make $200 a day.

We will begin with “quick wins” — or companies that’ll pay you for signing up — below:

Sign up for all four offers and you’ll be closer to $200:

Next, we’ll move on to other ways to earn your $200.00 quickly.

1. Deliver groceries

You can make money quickly by delivering groceries around your city.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

How to make that $200 fast though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

Get Paid to Deliver Groceries

2. Get $200 now with LendJet

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry LendJet is where to go. You apply for a loan through the LendJet site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $10,000 as soon as tomorrow. Loans service for up to 60 months.

LendJet connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit LendJet here.

Get $200 Right Now

3. Online focus groups

Getting paid to give your opinion sounds like a dream. But Survey Junkie actually pays you for joining focus groups, answering questions, watching videos, trying new products — you get the idea.

When you use Survey Junkie’s website or free app, you earn cash rewards. You can also get a quick signup bonus for joining.

If you are interested you can go ahead and claim a registration bonus for signing up.

Take Surveys and Earn Cash Now

Want other others to earn your $200 fast?

Here are two of the other highest-rated paid survey websites:

  • Swagbucks is one of the most recommended rewards sites. They offer a large variety of surveys and in different categories and they make payments via PayPal.
  • With InboxDollars you could earn quick cash for watching videos, playing games, and searching the web. Plus, they give you a $5 sign up bonus here if you sign up!

4. Real estate investing

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. Fundrise allows you to now invest in large-scale real estate for as little as $500.

Through their real estate investment products, investors earned an average of 8.74 – 12.4% on their money last year, and all without painting a wall or dealing with unruly tenants.

There is a reason why they currently have over 200,000+ users, this app really pays!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Invest in Real Estate with Only $500

5. Host guests with Airbnb

Another way to make $200 fast is by listing a spare room on Airbnb. It’s free to list and you can actually make $200 in under a week.

You’re able to calculate how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“.

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

If you’re interested in learning more about getting paid for basically being a tour guide or listing your space, you can learn more here.

List Your Space on Airbnb

6. Drive with Lyft and collect $1,000 driver bonus

If you want to make legitimate money quickly, driving with Lyft is a smart side gig.

With Lyft, you get to drive people around your city and get paid well (I’m talking an extra $500 to $1000 a month with just a few hours on the weekend).

Of course, your earnings will vary but you can earn even more now in 2019 since you get tipped directly and even get a $1000 driver sign up bonus in all cities.

The smartest way to earn more is to drive when there is surge pricing. You might have guessed that surge pricing occurs when people are out and about most (weekday & weekend nights).

So instead of partying up this weekend, why not make your $200 fast with Lyft?

Drive for Lyft - Make $1,000 Guaranteed

7. Get paid to be healthy

Do all your friends post flashy Instagram pictures and look amazingly good?

Even if they don’t, I wanted to get fit and make it a habit, but it was tough to get started.

What helped me lose over 10 pounds was when I had my own money on the line.

In fact, I was able to do with HealthyWage, and won $1,050 after losing only 10 pounds.

So if you need some extra motivation and an extra $200 or more then head over to HealthyWage to learn more.

You’ll have to decide on how much weight you want to lose and how long you need to reach your goal. You then bet on yourself and can win up to $10,000 depending on your HealthyWager.

Make Your Weight Loss Bet

8. Lower your monthly bills

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $70 in my account.”

When you want to make a quick $200, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Cushion, a free bot that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

You’ll need a Facebook account to use it, as it communicates with you over Facebook messenger (or via text).

It’s pretty simple to sign up using your Facebook account and takes a minute. You’ll likely be able to save over $200 this year by using it!

Say Goodbye to Overpaying with Cushion

9. Rent your car when you’re not using it

Driving for Lyft is legit and the current driver promotion of $1,000 guaranteed is the icing on the cake. But, I can’t always do drive people around with my schedule.

I have 2 other jobs and that means my car is just sitting in the parking lot 15 hours a day.

Being the smart side hustler I am, I turned to make money with my idle car and you can too.

You’ve got an asset if you have a car, why not make money with it on Getaround?

Getaround lets you make money by sharing your car. It’s pretty simple to use, just list your car and they handle everything else (insurance, logistics of renting it out, scheduling, handing over keys)… they pretty much do all the work for you.

You can make $200 fast with this side hustle depending on your car and how many hours you can share it per week.

I’m paid monthly and make an extra $520 a month by sharing my car around 26 hours per week (an extra $6,240 a year).

Try Getaround for Free - Start Listing

10. Claim the best internet freebies you can get right now

When trying to make $200 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus), Checkout 51 (free groceries), and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $5 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

11. Let a chatbot save you $200 this year

The next idea for you to save an extra $200 this year is by letting automation do the work for you.

Trim is a money saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Cushion (I use both since they’re both free).

Sign Up for Trim Free with Facebook

12. Download Nielsen Panel app and collect $50

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app on all of my devices and make around $200 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

Get $50/Year Per Device

13. This free app can make you $180 fast

Another option to make money fast is by joining the SavvyConnect community. By joining, you can receive many incentive rewards up to $100 just by simply installing and keeping its app active on your devices from home.

At first, you may feel a little timid about installing random apps on your phone, but you will soon realize that SavvyConnect is the real deal once they start paying you – up to $15 per month ($5 per device type) and up to $180 in a year, simply for remaining active in the SavvyConnect community.

What’s required?  Install the SavvyConnect app to your PC, Smartphone, or Tablet to earn $5 per device per month.

If you feel like you could benefit from making passive income, then consider this passive income opportunitySavvyConnect.

If you’re at all interested in making easy money, then you can learn more about SavvyConnect here.

And you only need to install the free app on your phone, and it’s likely you will make up to $180 this year with this free app!

Get Started with SavvyConnect

14. Sign up for Rakuten and collect $10 right now

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to make money the easy way.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings is sure to add up and you can make $200 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

Sign up Free - Claim $10 Cash

15. Sell on Shopify

Use your creativity to make money if you have knowledge of creating personalized items! You can offer T-shirts, mugs, pillows, sweatshirts, among other products, with customized designs to the clients’ taste on Etsy.

I’ve got a friend that creates art and he can charge whatever he wants. It’s all about creating a lucrative brand, then you can earn a lot. Selling personalized products will help you get money, and you can also use social media to promote yourself and use Facebook ads to reach people all over the country. You can learn more by visiting online stores like Shopify and Etsy.

Claim 14-Day Free Trial at Shopify

16. Teach English online

Becoming a tutor is a good option if you have your afternoons free, it also allows you to earn a good amount of money. The pay is actually very good and can earn an average of $20/hr by teaching English online.

The most recognized website for teaching English online in the US and UK is EF Education First.

Live in the U.S. or U.K. and hold a bachelor’s degree? You can earn up to $20.00 per hour to teach kids English online from home.

Get Extra Income Teaching from Home

17. Offer your services on Fiverr

From the comfort of your home, it is very easy to earn money online using Fiverr. By using Fiverr you can offer your services for $5 or more, and you can easily create an account and start earning money right now. No joke.

On Fiverr, thanks to a large number of service categories, you can offer a variety of services: from unconventional services, such as writing a phrase on your face or body, writing names with legos or dancing to a song, or professional services such as logo designs, website design, proofreading or writing articles.

Fiverr opens up a whole range of possibilities. One of the advantages of Fiverr is that it allows you to manage your own time and schedule. If you want to know more about how to make money with Fiverr, you can visit the site here.

Earn Money on Fiverr

18. Download GetUpside

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $200 this year by using it. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

Start Paying Less for Gas

The Bottom Line

Of course, if you want to make more long term sustainable income sourcse you should probably consider investing seriously in stocks and real estate, as well as reduce your expenses by budgeting and living frugally.

 

You May Be Eligible for These Class Action Lawsuit Payouts

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top class actions

Looking for ways to make money fast? Here are the top class action lawsuits that don’t require any proof of purchase (2019):

Survey Voices provides a directory of open court settlements and rebates people might be eligible to take.  Since there are billions of dollars that still remain unclaimed, they help users submit claims for those rewards they are entitled to. They also provide the most current information regarding paid open focus groups, as well as useful information for their visitors to be well educated on the process of the highest paid market research opportunities. To sign up, simply enter your email here. Remember it’s 100% free.

No Proof Required Top Class Actions

  • California Gang Curfew Injunction– If you were serving with one or more gang injunctions that are listed in the lawsuit on or before February 20, 2013, you may receive a potential award of up to $62 with no proof of purchase. Deadline to file claim: August 14, 2020. 
  •  Trojan Horse Retirement Plan Class Action Lawsuit – If you signed up for a 401(k) plan with Trojan Horse from Jan. 1, 2011 through Sept. 20, 2016 and fear that you and your loved ones may be taken advantage of, you are eligible for a potential award from the Trojan Horse Retirement Plan Class Action Lawsuit. There is no deadline to file a claim form. 
  • Bank of America Uber Overdraft Fee Class Action Lawsuit ($20 per overdraft fee) – For those who have paid an overdraft fee from Bank of America between January 1, 2012 through December 31, 2016 that were not classified as one-time charge, you may be entitled to compensation from the Bank of America Uber Overdraft Fee Class Action Lawsuit! There is no deadline.
  • Blue Shield of California Mental Health Coverage Class Action Lawsuit – If you sought insurance coverage for residential or intensive outpatient treatment of psychiatric or substance use disorders and were denied on the basis that they were not medically necessary based on policies between January 1, 2012 and March 5, 2017, you are eligible for a potential award from the Blue Shield of California Mental Health Coverage Class Action Lawsuit. There is no deadline to film a claim. 
  • Ticketmaster Ticket Voucher Redemption Class Action Lawsuit – If you purchased tickets from TicketMaster between October 21st, 1999 and February 27th, 2013, then you are eligible for a potential reimbursement from the Ticketmaster Ticket Voucher Redemption Class Action Lawsuit! Ticketmaster failed to fully disclose to consumers all aspects of its UPS and order processing fees. The deadline to file a claim is June 2020. 
  • Tesla Enhanced Autopilot Feature Class Action Lawsuit – If you purchased Enhanced Autopilot with a purchase or lease of a Tesla Hardware 2 Model S or Model X vehicle delivered on or before September 30, 2017, then you are eligible for a potential award from the Tesla Enhanced Autopilot Feature Class Action Lawsuit! The autopilot feature in the high end electric vehicles is dangerously defective. There is no deadline to file a claim form. 
  • Petco Employee Background Check Class Action Lawsuit – If Petco procured a consumer report on you between May 1, 2014 through Dec. 31, 2015, then you are eligible for a potential award from the Petco Employee Background Check Class Action Lawsuit! The company violated the Fair Credit Reporting Act by procuring consumer reports for employment purposes without the proper disclosure and without obtaining proper authorization. There is no deadline to file a claim form. 
  • Campus Debt TCPA Class Action Lawsuit –  Individuals who received a phone call to their cell phone from Education Financial Solutions LLC d/b/a Campus Debt Solutions advertising loan consolidation or loan forgiveness on or after Oct. 16, 2013. There is no deadline. 
  • RoundPoint Mortgage Lender Placed Insurance Class Action Lawsuit – For individuals who were charged by RoundPoint Mortgage Servicing Corporation under an LPI Policy for Residential Property between Nov. 1, 2012 and Oct. 12, 2018 and either paid the net premium for that policy or still owe the net premium for that policy, then you are eligible for a potential award from the RoundPoint Mortgage Lender Placed Insurance Class Action Lawsuit! The deadline to file a claim is May 13, 2019. 
  • Ross ‘Compare At’ Pricing Class Action Lawsuit –  For individuals who purchased one or more items from Ross with a price tag that included a “compare at” price from a Ross store since June 20, 2011, who have not received a refund or credit for all purchases, then you are eligible for a potential award from the Ross ‘Compare At’ Pricing Class Action Lawsuit! The deadline to file a claim is May 31, 2019! 
  • Qualcomm Mobile Phone Class Action Lawsuit – consumers who purchased a cell phone since Feb. 11, 2011, may be affected by a Qualcomm Mobile Phone Class Action Lawsuit. A settlement has not yet been reached, meaning there is no cash available at the moment. However, This lawsuit is being called “quite likely the biggest class action in history,” and may affect up to 250 million people. There is no claim form yet, so make sure you look out for when it becomes available.
  • Washington State Farm Personal Injury Denial Class Action Lawsuit – If you are a Washington residents and were insured by State Farm and made a Personal Injury Protection (PIP) claim that was denied, limited, or terminated between April 9, 2008 and June 15, 2018, you may benefit from the Washington State Farm Personal Injury Denial Class Action Lawsuit. If you think you are eligible for this class action lawsuit, be sure to file a claim by June 10, 2019.
  • ServiceSource Employees Unpaid Wages Class Action Lawsuit – If you are someone who were workers by ServiceSource in Nashville, Tenn. between Sept. 21, 2009 and Oct. 17, 2018, you may be eligible for this reward! According to the lawsuit, representatives were purportedly denied extra time pay in spite of working more than 40 hours per week and being classified non-excluded. These representatives were supposedly delegated hourly specialists and they were apparently qualified for significantly more pay for a considerable length of time worked more than 40 hours every week.
  • Carolina First Bank Job Applicant Bias Class Action Lawsuit – If you or class members were employed at the time of their job application, they can recover a flat payment of $2,500. You may be eligible for a potential reward of $1,000 for each month of unemployment with a maximum payment of $25,000!
  • Ocwen Mortgage Home Warranty Class Action Lawsuit – If you or class members were enrolled in a Cross Country warranty/home service plan between Aug. 6, 2009 and Dec. 31, 2013 after depositing one of the checks; made one or more payments on the plan; never made a claim under the plan; and never received a refund for the premiums they paid. You may be eligible for a potential reward!
  • Fidelity Unpaid Wages Class Action Lawsuit – If you are a current or former employee of Fidelity Investments then you are eligible for a potential award from the Fidelity Unpaid Wages Class Action Lawsuit.
  • Nationwide Mutual Insurance Robocalls Class Action Lawsuit – If you are a class action member who received telemarketing calls regarding Nationwide home or auto insurance without providing prior express consent to receive the calls between Sept. 27, 2012 through Oct. 15, 2018.
  • Utz, Bachman ‘All Natural’ Snacks Class Action Lawsuit – If you are a class action member who purchased eligible Utz or Bachman branded products between Dec. 30, 2010 and March 30, 2019, you are eligible for a potential reward from the Utz, Bachman ‘All Natural’ Snacks Class Action Lawsuit. The deadline to make a claim is July 28, 2019. 
  • C.R. England Truck Driver Class Action Lawsuit – For truck drivers who entered into a vehicle lease agreement with Opportunity Leasing Inc., also known as Horizon Truck Sales and Leasing, and an independent contractor operator agreement with C.R. England Inc. between May 27, 2007 and Jan. 31, 2017. If you were one of these truck drivers, you may be eligible for potential reward thanks to the C.R. England Truck Driver Class Action Lawsuit! The deadline to make a claim is June 4, 2019.

Check all the Open Class Action Lawsuit Settlements for 2019

Below is our full list of open lawsuits in which you may be eligible to submit a claim. Browse through the list and see if you purchased the product or service and if you’re eligible to submit a claim. If you are eligible, submit your claim!

You are eligible for a cash payment as a compensation whenever a company decided to settle a class action lawsuit. However, you must file a claim form in order to get your compensation payment.

How to File Claim for Open Class Action Lawsuits 2019

Step One: Find Products You Purchased

Take a look at our list to find open settlements for products you may have purchased. Find out what the estimated payout will be and if proof of purchase is needed. Figure out if it’s worth your time to follow through.

Most no receipts needed can be a few minutes of your time.

Step Two: Fill Out the Claim Form

Click through to the settlement claim form and fill out online. Simply provide the necessary info such as your name and address, products information you purchased, and then submit your claim.

Step Three: Get your Check in the Mail

They will mail your check once to the address you provided once your claim has been approved.  Most claims checks are mailed 1-2 months after the claims period closes.

 

I Need Money Today: 22 Ways to Earn Cash When You Urgently Need It

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I need money now

If you just having some bad lucky recently and have been thinking “I need money now,” then you will enjoy this post.

Because I get it, life can be messy and has it’s ups and downs. Whatever you need the money for, it seems like it couldn’t have come at a worst time, right?

But before you pull out the credit card or ask a friend to spot you the money, check out our list of 22 ways you can get get cash now (or even get money today).

Just remember that you’re able to learn from this experience and better prepare yourself with an emergency fund for times like this. But let’s just get started with how you can get money right now, and we can deal with the rest later.

I Need Money Now: 22 Easy Ways to Get Quick Cash

There are many options to earn money online that are quick, simple and don’t require much effort. We all have limited time, life is fickle. For this reason, I have compiled 22 ways to earn money that are actually possible and can net you some money, the easy way.

We will first start with the quick wins, companies that’ll (legit) pay you money just for signing up:

Need Easy Extra Money Right Now?

Next, we’ll move on to other ways to earn your money instantly.

1. Make money with paid online surveys

InboxDollars is a survey site and one of the best survey sites. I’ve used them before and they are pretty legit. They make money by using the information you provide and use it as market research. So, you’re actually getting paid to participate in surveys, watch videos, play video games, make purchases online, read emails with promotions, use discount coupons or simply make purchases online.

It’s actually kind of fun to do this while you’re watching TV or just bored. Obviously, you will not get rich just by responding to surveys, but it is a way to get extra income per month.

In the US, here are some of the highest rated paid survey websites:

  • Swagbucks is one of my favorite survey pages. A large variety of surveys and in different categories and they make payments via PayPal.
  • Another website that I like very much and that is available in several countries is Survey Junkie. You can earn money by taking surveys, watching videos, completing tasks, trying new products, etc … it also has a very cool interface!
  • With InboxDollars you could earn money mainly by watching advertisements but now the most interesting sections are surveys, videos, games, and searching. Plus, they give you a $5 sign up bonus here if you sign up before this month.

    Join InboxDollars and Claim $5 Now

2. Claim the best internet freebies you can get right now

When trying to make $300 fast, every dollar counts.

Thankfully, you can easily pad your wallet or purse with cash back apps like Ibotta ($10 sign up bonus), Checkout 51 (free groceries), and Pei ($15 sign up bonus) that pay you for the shopping you do daily.

Sign up for all three and that’s a quick $25 just for downloading three apps – not bad.

Here are some other companies that pay you for downloading:

  • Survey Junkie: Make $2-50 in your spare time each day by taking surveys, participating in focus groups, and testing new products. Join Survey Junkie here.
  • Swagbucks: Similar to Survey Junkie, but with a few more ways to earn (such as watching videos and using their search engine). Get a $5 signup bonus for joining.
  • Rakuten and Dosh: Two cash back apps that essentially pay you whenever you shop; Rakuten offers a $10 signup bonus and Dosh offers a $5 signup bonus.
  • Acorns:  Once you connect the app to your card, it rounds up your purchases to the nearest dollar and funnels your digital change into an investment account. Sign up to try it risk-free with a $5 sign up bonus

3. Make money with your gas receipts

Have you ever dreamed of paying less for gas each week? Well, that time has come, with GetUpside you can earn money by sharing your purchase receipts and shopping at local stores. I heard about this app on the radio and decided to try it out for myself.

The system is simple: you take a photo of your gas receipt and upload it. Then the app will digitize the receipt information and you’ll get up to 25 cents off each gallon. I’m surprised I don’t hear about this app more often though, I make a killing with it.

You can likely rack up an extra $300 this year by using it. And you can also save up to 35% at restaurants and 15% at grocery stores near you. The money you earn can be transferred to your Paypal account or redeemed for gift cards to buy at Amazon and other stores. You can get a download link sent to your phone here.

Start Paying Less for Gas

4. Share your home with Airbnb guests

Another smart way to make money fast is by listing your space on Airbnb.

It’s smart because it’s simple and free to list and you easily make $300 in under a week.

You can actually see how much you’re able to make by using their cash pay-out calculator to do some quick research beforehand.

By creating a free account, setting up a 5-minute listing and setting whatever prices you want, you have the potential to skyrocket your income. Of course, the nicer your home and location the better.

However, you don’t even need to have a spare room or home to share to earn with Airbnb since they now offer “host experiences“.

This is a really unique thing that they offer and are expanding into. If you ever had friends from out of town visit and you showed them the cool things to do in your city, now you can get paid for doing just that… for strangers.

If you’re interested in learning more about getting paid for basically being a tour guide or listing your space, you can learn more here.

List Your Space on Airbnb

5. Avoid hidden bank fees for free with Chime

This is one of the most common ways people waste money (even if you’re money savvy).

My bank charges me a monthly maintenance fee, out-of-network ATM fees, overdraft fees, and the list goes on. It’s like your bank does the same unless you’re hip to newer mobile banks like Chime.

Chime is free to apply and only takes two minutes!

I haven’t even mentioned my favorite part – if you set up direct deposit with Chime you get paid two days earlier. I usually get paid bi-weekly on Fridays, before using Chime, now I get paid every Wednesday.

If no overdraft fees, no minimum balance requirements, no monthly service fees, no foreign transaction fees, no transfer fees, and over 38,000 free ATMs to use sound good to you, then you can apply here.

Say Goodbye To Hidden Fees

6. Get money right now with ZippyLoan

If you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.

You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow. Loans service for up to 60 months.

ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.

Get $300 Right Now

7. Get $10 right now with Rakuten

If you enjoy shopping online and always look for the best deals, Rakuten is a solid choice to make money the easy way.

Rakuten gives you money back on your purchases made. To get started all you need to do is register and before you shop next time, visit Rakuten first then your favorite store after. I do this every time I shop online because Rakuten works with almost every online store I can think of.

From the moment you start using Rakuten your savings is sure to add up and you can make $300 quickly depending on how often you shop. You can get paid via PayPal too. Rakuten also gives you a $10 sign up bonus to start. Get your bonus here.

Sign up Free - Claim $10 Cash

8. Make money selling on on Shopify

Use your creativity to make money if you have knowledge of creating personalized items! You can offer T-shirts, mugs, pillows, sweatshirts, among other products, with customized designs to the clients’ taste on Etsy.

I’ve got a friend that creates art and he can charge whatever he wants. It’s all about creating a lucrative brand, then you can earn a lot. Selling personalized products will help you get money, and you can also use social media to promote yourself and use Facebook ads to reach people all over the country. You can learn more by visiting online stores like Shopify and Etsy.

Claim 14-Day Free Trial at Shopify

9. Teach English online

Becoming a tutor is a good option if you have your afternoons free, it also allows you to earn a good amount of money. The pay is actually very good and can earn an average of $20/hr by teaching English online.

The most recognized website for teaching English online in the US and UK is EF Education First.

Live in the U.S. or U.K. and hold a bachelor’s degree? You can earn up to $20.00 per hour to teach kids English online from home.

Get Extra Income Teaching from Home

10. Offer your services on Fiverr

From the comfort of your home, it is very easy to earn money online using Fiverr. By using Fiverr you can offer your services for $5 or more, and you can easily create an account and start earning money right now. No joke.

On Fiverr, thanks to a large number of service categories, you can offer a variety of services: from unconventional services, such as writing a phrase on your face or body, writing names with legos or dancing to a song, or professional services such as logo designs, website design, proofreading or writing articles.

Fiverr opens up a whole range of possibilities. One of the advantages of Fiverr is that it allows you to manage your own time and schedule. If you want to know more about how to make money with Fiverr, you can visit the site here.

Earn Money on Fiverr

11. Get paid to be healthy

Do all your friends post flashy Instagram pictures and look amazingly good?

Even if they don’t, I wanted to get fit and make it a habit, but it was tough to get started.

What helped me lose over 10 pounds was when I had my own money on the line.

In fact, I was able to do with HealthyWage, and won $1,050 after losing only 10 pounds.

So if you need some extra motivation and an extra $300 or more then head over to HealthyWage to learn more.

You’ll have to decide on how much weight you want to lose and how long you need to reach your goal. You then bet on yourself and can win up to $10,000 depending on your HealthyWager.

Make Your Weight Loss Bet

12. This free app could make you up to $180 this year

Another option to make money fast is by joining the SavvyConnect community. By joining, you can receive many incentive rewards up to $100 just by simply installing and keeping its app active on your devices from home.

At first, you may feel a little timid about installing random apps on your phone, but you will soon realize that SavvyConnect is the real deal once they start paying you – up to $15 per month ($5 per device type) and up to $180 in a year, simply for remaining active in the SavvyConnect community.

What’s required?  Install the SavvyConnect app to your PC, Smartphone, or Tablet to earn $5 per device per month.

If you feel like you could benefit from making passive income, then consider this passive income opportunitySavvyConnect.

If you’re at all interested in making easy money, then you can learn more about SavvyConnect here.

And you only need to install the free app on your phone, and it’s likely you will make up to $180 this year with this free app!

Get Started with SavvyConnect

13. Make money driving with Lyft

If you want to make legitimate money quickly, driving with Lyft is a smart side hustle.

With Lyft, you get to drive people around your city and get paid well (I’m talking an extra $500 to $1000 a month with just a few hours on the weekend).

Of course, your earnings will vary but you can earn even more now in 2019 since you get tipped directly and even get a $1000 driver sign up bonus in all cities.

The smartest way to earn more is to drive when there is surge pricing. You might have guessed that surge pricing occurs when people are out and about most (weekday & weekend nights).

So instead of partying up this weekend, why not make your $300 fast with Lyft?

Drive for Lyft - Make $1,000 Guaranteed

14. Lower your monthly bills

“I could not believe how easy this was to do. It took me about 5 mins of work and I had about $70 in my account.”

When you want to make a quick $300, one of the easiest ways you may overlook is finding easy ways to lower your expenses.

I didn’t realize how much I was overspending on my cable, phone bill and to random subscriptions that are on autopay.

Most people don’t bother with the trouble of calling up AT&T, Verizon, Sprint (or whatever cell phone provider you use) to try to get their cell phone bill lowered. So let someone else do it for you.

Avoid overpaying on bills by using Cushion, a free bot that will negotiate down bills for you. It will even check on those pesky subscriptions for you.

You’ll need a Facebook account to use it, as it communicates with you over Facebook messenger (or via text).

It’s pretty simple to sign up using your Facebook account and takes a minute. You’ll likely be able to save over $300 this year by using it!

Say Goodbye to Overpaying with Cushion

15. Rent your car when you’re not using it

Driving for Lyft is legit and the current driver promotion of $1,000 guaranteed is the icing on the cake. But, I can’t always do drive people around with my schedule.

I have 2 other jobs and that means my car is just sitting in the parking lot 15 hours a day.

Being the smart side hustler I am, I turned to make money with my idle car and you can too.

You’ve got an asset if you have a car, why not make money with it on Getaround?

Getaround lets you make money by sharing your car. It’s pretty simple to use, just list your car and they handle everything else (insurance, logistics of renting it out, scheduling, handing over keys)… they pretty much do all the work for you.

You can make $300 fast with this side hustle depending on your car and how many hours you can share it per week.

I’m paid monthly and make an extra $520 a month by sharing my car around 26 hours per week (an extra $6,240 a year).

Try Getaround for Free - Start Listing

16. Let a chatbot save you $300 this year

The next idea for you to save an extra $300 this year is by letting automation do the work for you.

Trim is a money saving bot that sends you messages via Facebook messenger and can help you save money.

After a quick 2 minute sign up the bot will go through your spending habits, show you all the subscriptions you’re signed up for (and should cancel), and even negotiate your utility bills for you.

Basically, a free personal financial advisor that you don’t have a pay a cent for, in fact, this chatbot will actually save you money. 

It’s also worth mentioning another bot that has a black belt in fee negotiation is Cushion (I use both since they’re both free).

Sign Up for Trim Free with Facebook

17. Download Nielsen app and collect $50

By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too.

I downloaded this app on all of my devices and make around $300 a year passively.

You don’t really have to do anything other than initially registering your devices (phone, laptop, tablet) and they’ll pay $50 per device.

This is a smart way to make extra money as even if you just install it on your phone they’ll pay you $50 a year keep their app on it.

They also keep things interesting for me since they give away a modest $10,000 each month. I like to think I have better chances of getting it than the lottery, so consider it a free lotto ticket each month, too.

If you are interested in getting paid passively, I recommend that you sign up through here for a registration bonus.

Get $50/Year Per Device

18. Make money investing in real estate

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate?

You don’t have to be a millionaire to invest in these types of properties. Fundrise allows you to now invest in large-scale real estate for as little as $500.

For example, I invested in $1,000 in February (to diversify my portfolio) and my account has gained $15.98 in profit since then, it’s actually quite exhilarating!

Through their real estate investment products, investors earned an average of 8.74 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants.

  • 8.74% – 12.4% historical annual returns
  • Diversify your portfolio with real estate
  • Maximize your earnings with a low-fee approach

There is a reason why they currently have over 300,000+ users, this app really pays us!

If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

Invest in Real Estate with Only $500

19. Deliver groceries with Instacart

You can also make money fast by delivering groceries.

Instacart delivers groceries from local stores in two hours from stores like Whole Foods Market, Target, Costco and Petco. Why should you care? Because this is a lucrative opportunity for you to make money fast.

If you wanted to become an Instacart personal grocery shopper, you’ll earn an average of $15 per hour!

How to make that $300 fast though?

Sign up as a personal grocery shopper and start to receive grocery orders through an app on your smartphone and then shop and deliver groceries to the customer’s door. You can start earning quickly and get paid weekly and schedule hours based on your schedule.

Get Paid to Deliver Groceries

20. Fill out surveys

There are many sites on the Internet that pay people to fill out surveys. For each survey you complete, the website allows you to earn points that you can exchange for money.

Most sites like Survey Junkie or Swagbucks allow you even cash out your earnings for real cash through PayPal. You could probably make $300 bucks in a month by spending an hour taking surveys a few days a week.

You won’t get rich, but you will earn some money and that’s what this article is all about.

You will find more information and more recommended survey sites and ways to earn money in this article on the best money apps.

21. Sell your old clothes

If you have a lot of old clothes, that you have not used for many years and that you honestly do not know why you keep, do not hesitate to sell it and get money. There are many websites, like Ebay or selling apps that can help you get rid of clothes, shoes, and accessories that you do not use.

If in your country there is still no platform to help you sell your clothes, you can organize a garage sale among your neighbors, in order to declutter your wardrobe and earn money.

How to get money right now

22. Get a personal loan

If you didn’t like any of the options above, and REALLY need money right now you can get a quick personal loan.

We compared the best personal loans for people who need quick money fast. Don’t worry, personal loans can be a great alternative to credit cards for large or unexpected expenses. In fact, you can enjoy fast and easy online applications with all the reputable lenders below (just be sure to pay it back quickly). Get money deposited into your bank account in a matter of seconds, here are your options:

LENDERRATES (APR)LOAN AMOUNTVISIT
sofi5.99% – 16.24%up to $100,000GET MY RATE
lendingtree4.79% – 35.99%up to $50,000GET MY RATE
credible5.99% – 35.99%up to $100,000GET MY RATE
prosper7.99% – 35.89%up to $50,000GET MY RATE
upgrade6.78% – 35.97%up to $50,000GET MY RATE