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Snapchat Push to Get Young Viewers to Watch TV on Phones + Easy Ways to Make Money on Your Phone Instead

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There’s a war going on outside no one is safe from… (Mobb Deep voice.) This war includes Snapchat in joining the push to get young viewers to watch TV-quality video on their phones every day. The app is launching a dozen or so shows under the name Snap Originals. The installments, about five minutes in length, will include augmented-reality lenses, split screens, and motion graphics, with plot structures designed to hook viewers upfront. Snap is following Instagram’s lead in trying to get its users to ditch television for mobile video instead. But the real question to ask is, do young people need to be watching TV on their phones? Isn’t there something more productive they can do? Thanks to Studentloanhero.com here are 25 Easy Ways to Make Money Using Your Smartphone:

1. Ibotta

Earn cash back on things you buy anyway. Here’s how Ibotta works:

  1. Before you head to the store, open the app and complete a few tasks to find offers for your favorite products and brands.
  2. Next, head to the store and purchase items you selected in the app.
  3. Once you’re done, take a picture of your receipt to redeem the offers you selected.

You’ll be credited with your cash back, based on the activities you completed ahead of time. Ibotta is compatible with PayPal and Venmo, and it also provides the option to claim gift cards.

Offers range from 25 cents to $1 or more. You have to prepare ahead of time, but depending on the items you purchase from your grocery list, it’s possible to get between $5 and $50 back at the store each month. Get your friends and family to sign up to earn referral bonuses.

2. Shopkick

Make money from your phone with Shopkick

Image credit: Shopkick

You won’t get direct cash back with Shopkick, but you can earn points to redeem for gift cards at your favorite retailers. Shopkick even offers Amazon gift cards. That’s a plus for me since I do a lot of shopping on the website.

You don’t even have to actually buy anything to benefit from Shopkick. Just walking into a partner store or scanning certain items can help you earn points. According to the company, Shopkick users have earned $68.5 million in free gift cards since 2009, when it was founded. You can get your share of free money by signing up and using the mobile app.

3. Receipt Hog

Snap pictures of your receipts to earn “coins” on Receipt Hog. Then, turn your coins into gift cards or cash. You can earn more by taking online surveys and completing other tasks. In the end, though, you’re probably not going to make a ton of money with this app.

The coins you earn aren’t worth a whole lot in terms of cash. A receipt adds about ten coins to your account. You can get extra coins for using the app and “leveling up.” I only go shopping about once a week, though, and rarely go to more than two stores. So, I might get 20 coins per week from shopping.

You could use the app’s prize wheel and complete challenges for extra coins. In the end, though, it takes a lot of coins to get cash:

How many coins it takes to get cash with Receipt Hog

Image credit: Receipt Hog

With this app, I could probably get between $50 and $100 per year if I were diligent about uploading all my receipts and took advantage of Receipt Hog’s sweepstakes and other activities to earn bonus coins.

As a long-term smartphone hustle, you’d have to combine this with other efforts to make any decent money. But it might be worth it for a little extra cash now and then.

4. Jobs2Shop

Ages ago, I was a mystery shopper. It required me to fill out a paper survey and mail it in for a check. Today, mystery shopping is as easy as downloading an app, frequenting targeted stores or restaurants, and leaving feedback. There are other actions you can take in the Jobs2Shop app to boost your earnings before cashing out via PayPal.

How much money you make depends on the type of evaluation you do. The main downside is that you rely on there being a demand for mystery shopping in your area. My relatively small town doesn’t have a huge need for it, so I don’t often get these gigs.

If you live in a bigger city and are regularly sent out to evaluate businesses, you could make up to $100 a month or more.

5. EasyShift

EasyShift is another mystery shopping app that can help you earn money by following a checklist. In some cases, you only need to take pictures of products or check prices and share the information inside the app. You can also earn money for writing reviews of certain promotions.

How much you make depends on the demand in your area and the types of tasks you do. Just going in and taking a picture of product placement might make you $2. You might make $20 on an assignment if you’re required to make a purchase.

It’s a simple way to go about your business and earn a few bucks per month. However, you probably won’t get rich with this app, especially if you live in a sparsely populated area.

6. Paribus

Make money with your smartphone by saving on price protection

Image credit: Paribus

This app is all about making sure you didn’t overpay for something you bought. Connect the app to your email account, and Paribus will scan your recent purchases and receipts. If a retailer owes you a refund based on price protection policies, the app sends a letter to the seller and notifies you when the money is returned. For example, if the price drops on a qualifying purchase, you’ll get money back.

Paribus doesn’t monitor all stores, though. It can help to check to see if the stores you frequent are on the list. The app also only monitors retailers that have price-match policies.

Can you do this yourself without the app? Yes. Does it take extra time? Sure does. So you might as well have Paribus do the heavy lifting.

7. Swagbucks

One of my favorite ways to make money using my phone is Swagbucks. I earn points, or “SB,” for shopping as usual online and by using the mobile app. You don’t get direct cash back when converting SB, but there are plenty of gift cards to choose from.

I net about $100 a year in Amazon gift cards by following my regular shopping habits and doing small tasks, such as taking short surveys or answering the daily poll question in the mobile app. Not bad for doing what I already do, especially when combined with other loyalty and rewards programs.

Focus groups and opinion surveys

It’s not always exciting, but filling out online surveys can be a way to earn extra money. Not only that, but you could make even more money if you’re part of a focus group or engage in other activities that result in helping marketers better understand their audiences.

8. UserTesting

For every 20-minute session you spend testing out apps, you can receive $10. That’s right; you can make $30 an hour by trying new things on your phone with UserTesting.

You probably won’t be able to find enough projects to replace your full-time job, though. Chances are that you won’t be offered enough projects to be busy for five or six hours a day. Instead, you’re more likely to see between two and six projects a week.

It’s still a pretty good way to make a little extra money each week. I managed to earn about $30 a week when I was using the app. They pay you exactly one week after you complete a test.

9. uTest

The user testing platform uTest pays you based on offers. You can look for available projects, ranging from creating bug reports to creating usability testing reports. Each of these projects takes different amounts of time and payouts are based on the way the customer perceives the quality of work.

You might get paid anywhere from $3 to $50, and there are bonuses available as well. If you have a few hours to spend each week, you could make between $10 and $100 without too much trouble.

10. Nielsen Digital Voice

In the past, Nielsen ratings used to put small electronic monitors (they looked a lot like DVRs) on TVs to get an idea of what families were watching.

Now Nielsen is involved in all sorts of rating information. Join its platform, and Nielsen will track your smartphone use as part of its efforts to find out more information about how consumers use their phones to communicate with others, use apps, and even surf online.

The main downside is that the points you earn might not translate directly into cash. Instead, it translates into extra chances to win prizes. You have a chance to get cash in the monthly sweepstakes, where you’re entered to win your share of $10,000 (divided among 404 people).

It’s not a guaranteed way to make a ton of money, but it can be a way to get a little extra cash without any added effort.

Read ways 11-25 by clicking here

Ash Exantus aka Ash Cash is one of the nation’s top personal finance experts. Dubbed as the Financial Motivator, he uses a culturally responsive approach in teaching financial literacy. He is the Head of Financial Education at BankMobile and Editor-in-Chief at Paradigm Money. The views and opinions expressed are those of Ash Cash and not the views of BankMobile and/or its affiliates.

The Daily Digm (News)

Amazon Prime Day Kicks off W/ Competition + How to Kick off the Habit of Paying Full Price

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Ready, set, go! Amazon’s Prime Day starts today and continues through Tuesday, bringing a whole new meaning to retail wars, as Walmart becomes the latest rival to try to get in on the mid-summer online-shopping bonanza. This year marks Amazon’s fifth year of Prime Day, and according to Salesforce’s Rob Garf, the shopping event has prompted “rising shifts” for the entire month of July. Target and eBay have also announced sales of their own. There is definitely competition in these mean retail streets but how do you compete with yourself to save money?

I have a friend who spent time as an intern and then as an assistant buyer at a Fortune 500 specialty brand, and from her experience, she vowed never to pay full price for a pair of jeans again (unless the price is already right of course). Working in the buying department opened her eyes to reality behind retail. For instance, jewelry can be marked up to at least five times its value. As a buyer, you’re the one who actually chooses what looks go into each door. You also have the privilege of watching sales trends and dealing with a lot of retail math. You consider the cost of goods sold, retail price, and yes, the markup.

Markup is when a company produces or purchases a good at one price and then sells the good for a higher price.

Here’s how it works:

Selling price = [(Cost) ÷ (100 – percentage markup)] × 100.

So, a company buys a pair of jeans at wholesale for $60 and needs to sell it at a 60 percent markup. The calculation would be [($60) ÷ (100 – 60)] x 100. This breaks down to ($60 ÷ 40) x 100, resulting in a selling price of $150.

By having a markup on goods, a company is able to earn profits even when goods go on sale. But what does that mean for the consumer? Well, your pricey luxury shoes, shirt, and hand bag aren’t all that expensive. You just paid an absurd amount for it.

This leads me to the premise of this article – start at the sales rack. Being trendy with your finances should come before fashion. See what deals you can get before paying full price. There is nothing more fashionable then extra cash in your money bag.

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Another One! U.S. Women’s Soccer Team Wins Again + How to Win in Your Personal Finances

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The U.S. women’s soccer team are the World Cup champions after beating the Netherlands 2-0. It’s the fourth title overall for the Americans, and the first time they have won back-to-back trophies. The team has also launched itself into the gender pay gap debate with its lawsuit against the U.S. Soccer Federation: the women can expect a guaranteed payday of about $250,000 with Sunday’s title, says the New York Times, while the winning team of the men’s World Cup would have received roughly $1.1 million each, per CNBC.

What about in your personal finances? How do you win? The short-term sacrifice of becoming financially focused early on has long term benefits that are totally worth it also. Here are just a few:

Financial Freedom. The definition of financial freedom varies depending on the person, but it boils down to being able to cover life’s necessities, including food, clothing, and housing expenses. Buckling down in your twenties and thirties to focus on laying a financial foundation leads to financial freedom. And the sooner you get there, the better off you’ll be.

Stress Free Living. Most stress is self-imposed and generally centered around money. Some relationships crumble due to tension perceived by finances. The highest liability we encounter is housing. The second and third largest consist of health care and food. While food and medicine are ongoing obligations, owning a home can eliminate a chunk of financial responsibility, freeing up more money to save and invest. Start early when it comes to homeownership. You may miss a few parties, but the peace that comes with owning the home you rest in will be made up for it.

Generational Wealth. Chances are you’re considering starting a family. What better way to honor those you love with an abundant financial future? Each generation should be able to start a notch above the last. Investing five years of your young adulthood can make a 10-year difference in the lives of your unborn children. This sacrifice isn’t only for you but for those to come after you.

More Time. We are not so much looking for more stuff but for more time to enjoy the stuff we already have and the people we can share that stuff with. The reason most look to retirement is to enjoy what they have worked so hard for. The moment you decide to be financially responsible is the moment you begin to enjoy the journey, both the highs and lows of creating wealth. By all means, don’t save the party until the end. Celebrate while you build but remember to never lose focus of the building. 

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Nike AIMS to Get on the Right Side of History + How to Be on the Right Side of Your Legacy

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Nike has pulled a U.S.A-themed sneaker from its range after receiving objections from Colin Kaepernick, The Wall Street Journal reports, citing anonymous sources. The former NFL player reportedly told the company that the early American flag featured on the Air Max 1 USA, created in celebration of July 4, was offensive due to its connection to slavery. Nike also recently stopped selling some products in China after a designer’s support for Hong Kong protests sparked backlash, and reportedly cancelled a sneaker in May following objections.

The flag in particular is the Betsy Ross flag which Wikipedia states: The Betsy Ross flag is an early design of the flag of the United States, attributed to Betsy Ross, using the common motifs of the alternating red-and-white striped field with five-pointed stars in a blue canton. Grace Rogers Cooper noted that the first documented usage of this flag was in 1792.[1] The flag features 13 stars to represent the original 13 colonies with the stars arranged in a circle. The 13 Colonies has a deep connection to Slavery which is where the objection is coming from.

It is good to see that someone is using their influence in the right way, but also this tells you how influence can affect the bottom line. This move is helping Nike create or clean up its legacy.

We are now in graduation season, and for many students, graduating college is an enormous feat that starts the beginning of their legacy. But after you are now free to do as you wish, how do you continue to add to that legacy? Yes, you are going to start a billion dollar business or work as an exec for a fortune 500 company but beyond your title and accolades, what else can you bring to the table? The truth of the matter is that what you do with your money is more important than how much you have. It is said that a good man (or woman) leaves an inheritance for his (or her) children’s children. And even if we don’t have children, leaving an inheritance of wealth on earth for the benefit of others is the truest form of what we call being rich. If one is truly wealthy, he or she freely gives. Making your riches count is found in your legacy. So, while we may not fully understand what our legacy will be when all is said and done, we can aim to leave the following:

Knowledge & Wisdom.

Maya Angelou told Oprah Winfrey that no one truly knows their legacy because they can influence different people differently. No matter your level of education, you have the ability to give a word of wisdom because the wise are those who have experienced life and learn lessons along the way. Never underestimate your ability to encourage another person.

Kindness.

Ellen DeGeneres is synonymous with kindness. At the end of each show, she can be heard saying Be Kind to One Another. The impact that she has had on students, families, young stars, and animals is surely a legacy. Something as simple as kindness, an ability we all have access to because it resides in us, goes a very long way. It literally changes lives.

Money & Assets.

Robert Kiyosaki said money isn’t everything, but it does affect almost everything in our lives that is important. Leaving beyond money and financial assets to your children and their children can put your loved ones ahead 10, 20, and even 50 years. While you are building wealth, keep future generations in mind. Most of our early adulthood is spent paying school loans, discovering our purpose, and laying a financial foundation. Imagine what life would be like if your parents set up twice as much as they did for you financially. You’d most likely be at least five years ahead of where you are.

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