Employment growth among Monroe County residents grew by 2.4 percent last year — tied for the highest in an eight-county region — yet a high crime rate helped drag Monroe’s overall business climate to seventh place in an annual economic report released Friday.The 2016 Monroe County Economic Scorecard was compiled by the Business and Economic Research Group at East Stroudsburg University. Results were unveiled during ESU’s Fourth Annual Economic [...]
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الجمعة، 9 سبتمبر 2016
In San Francisco, You Can Get Paid to Commute Outside of Rush Hour
Maybe your city’s public transportation system offers reduced fares if you commute to and from work during off-peak times.
But what if you could get paid to adjust your commute? Would you change your work schedule to make extra cash?
San Francisco’s BART program is testing a BART Perks program that rewards riders with points riders can exchange for money.
But don’t expect to strike it rich with this bonus program. You might have to wait a while for a substantial payout.
Perks and Points for BART Riders
After enrolling your Clipper card, you earn one point per mile you travel on BART. If you travel during “bonus hours” of 6:30 to 7:30 a.m. or 8:30 to 9:30 a.m. Monday to Friday, you earn three to six points per mile depending on your Perks status (bronze, silver, gold or platinum).
You can redeem every 1,000 points you earn for $1.
You could choose cash rewards delivered via PayPal automatically each month. Or, if you’re feeling lucky, you can play a Spin to Win game for a chance to win random cash rewards (between $1 and $100) or additional points.
One Business Insider writer who commutes on BART from Oakland to downtown San Francisco five days per week estimates being able to earn about $1 “and change” in a month’s time.
It doesn’t seem like much, but the program advertises occasional “bonus box” earning opportunities tailored to your ridership habits. Riders can also earn 250 points per referral to the Perks program.
What’s Your Commute Time Worth?
This pilot program is an interesting idea to alleviate stressful peak ridership times.
In Washington, D.C., where I live, Metro riders pay a discounted rate if they ride outside of peak commuting times of 5 to 9:30 a.m. and 3 to 7 p.m. during the week. Instead of paying up to $5.90 per one-way trip, the maximum off-peak fare is $3.60.
It feels nice to pay a little less if you’re traveling outside of typical commute times, but I don’t think many people wait to start their commute until 9:30 just to get a reduced fare.
I have, however, seen plenty of people waiting by the fare gates at 6:55 p.m., waiting for the stroke of 7 to start their journey home. Sometimes, if I’m not in a rush, I’ve waited among them. Sometimes, I haven’t cared enough to delay my trip, because Metro does enough to delay my travel.
But BART’s Perks program seems a bit more reasonable than my area’s peak ridership fares. Granted, some work schedules just won’t accommodate a flexible or adjusted commute.
I might not make a concerted effort to change my commute if I worked or lived in San Francisco, but I might hustle to make it to the station a little earlier if I usually started my commute at 7:30 a.m.. 7:25 seems like a reasonable departure goal, right?
Your Turn: Would you change your commute if you could earn money?
Lisa Rowan is a writer and producer at The Penny Hoarder
The post In San Francisco, You Can Get Paid to Commute Outside of Rush Hour appeared first on The Penny Hoarder.
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Come One, Come All: The Cat Circus is Real — and It’s Hiring Right Meow
Can you hear that?
It’s the sound of my coworkers crying, as they realize their wildest dreams have finally come true: You can get paid to travel the country with a crew of kitties.
The Acro-Cats, a troupe of former orphan and stray cats, travels from city to city performing live shows to “sold-out audiences.” (Yes, we’ve written about them before.)
And right now, they’re hiring both a tour assistant and a bus driver/tech.
Does that sound like your cup of catnip? Then keep reading.
How to Work for the Cat Circus
The Acro-Cats show is “devoted to promoting cat-training awareness and supporting feline adoption and rescue,” so it travels across the country in — what else? — a custom cat bus, fostering and finding homes for its animals.
As well as performing what sounds like an intriguing show…
First off, it features an “all-cat band” called the Rock Cats. (Wut.)
via circuscats.com
Second, the cats do tricks with hoops, skateboards and other props. (I’ve never met a cat that would do what its owner said if its life depended on it, so this is a MUST-see.)
Lastly, and perhaps most importantly, the show involves something called a “cat vs. chicken bowling show-down.” (I can’t begin to fathom what that is, which means it alone is worth the price of admission.)
Here’s how to get your paw in the door.
Tour Assistant
The company is looking for a tour assistant whose responsibilities would include “cat wrangling,” moving props, selling tour merchandise, caring for “Rock Star cats” and coordinating volunteers for all performances. It’s a bonus if you can drive a 45’ bus.
The listing states pay is “commensurate with qualifications and experience” — and I’m assuming it means experience with tours, and not cats. Because no amount of experience with cats prepares you for everything that is cats.
Tour Bus Driver / Tech
In this position, you’d be responsible for driving and maintaining the cat tour bus, which is actually a 45’ bus that tows a 14’ car.
The other portion of your job would be doing sounds and lights for the show. You must be able to lift and carry 50 pounds, as you’ll have to load equipment in and out of the vehicles.
No pay is listed; rather, the company states it’s “taking bids/offers for this position.” A resume, plus a check of your background and driving record, are required.
Not into cats? Then check our open positions here at The Penny Hoarder.
I have a feeling we’re going to lose more than one staff member to this traveling troupe of tabbies…
(H/T to DNAInfo for finding this fun gig.)
Your Turn: Do you want to join the cat circus?
Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.
The post Come One, Come All: The Cat Circus is Real — and It’s Hiring Right Meow appeared first on The Penny Hoarder.
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10 Hilarious Tweets That Remind Us Why #MoneyIsntImportantBut…
We all know money isn’t the most important thing in the world.
But it does help with a lot of important things. That’s why we work so hard to make more… and spend less… and save as much as we can.
Prompted by pop culture blogger Dana Cortez with the trending hashtag #MoneyIsntImportantBut, these 10 people explain exactly why it’s money that makes the world go ‘round.
1. Someone said this would be worth it one day.
@choo2008 via Twitter
They were wrong, weren’t they? I think it’s time to downsize.
2. Can money buy happiness?
#MoneyIsntImportantBut it can buy a jet ski, and have you ever seen a sad person on a jet ski?
— Skylar Taylor (@skytay32) September 9, 2016
When you’re right, you’re right
3. It can, at least, buy the best memories.
#MoneyIsntImportantBut Cotton Candy isn’t free http://pic.twitter.com/Qxnxy3SDOm — Barbie (@Old_School_Barb) September 9, 2016
You go, girl! Now, please eat a vegetable.
4. It can get you through the night.
#MoneyIsntImportantBut getting yourself a lit slushie machine is http://pic.twitter.com/73A6574Mxj
— READY FOR STARDOM (@rstardom) September 9, 2016
You’re going to need to pinch pennies on those cocktails.
5. Oh, and the money you needed to get smart enough to make more money?
#MoneyIsntImportantBut these student loans aren’t going to pay themselves.
http://pic.twitter.com/Qcw7KfvxrY — NUFF$AID (@nuffsaidNY) September 9, 2016
You’re going to pay that back.
6. Don’t forget the money you need to get to the places where you spend all the money.
#MoneyIsntImportantBut that muffler that just fell off ain’t getting replaced with a coupon in the Sunday paper. http://pic.twitter.com/wINt4FaMZF
— View from my Office (@viewfrommyoffic) September 9, 2016
Yeah, that’s gonna cost you, too.
7. The truth doesn’t come cheap.
#moneyisntimportantbut Finding evidence of bigfoot is extremely important. That’s why I need your money. For umm, research. — Daryl Deliberately (@DarylONT) September 9, 2016
Godspeed.
8. Don’t forget the essentials.
#MoneyIsntImportantBut It is necessary to buy pizza, and pizza is essential
— Daniel Ashley (@DanielAshley13) September 9, 2016
And beer, for a well-rounded meal.
9. How we all feel about money, deep down.
#MoneyIsntImportantBut keep your hands off mine http://pic.twitter.com/8TyEwkfYdR — ♫ Adriano&Paulina ♫ (@keet0007) September 9, 2016
Can’t deny it.
10. If you have enough of it…
#MoneyIsntImportantBut it can make you comfortable http://pic.twitter.com/uzZyV9bNFf
— Brendan McInnis (@BrendanMcInnis) September 9, 2016
Sleep tight.
Your Turn: Money isn’t important, but… what kind of difference does it make in your life?
Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).
The post 10 Hilarious Tweets That Remind Us Why #MoneyIsntImportantBut… appeared first on The Penny Hoarder.
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Got Milk? The Dairy Industry Probably Owes You Money
We see a lot of wacky class-action settlement notices come through our office, but this one shocked us: If you bought milk in the last 13 years, you may be eligible to receive your slice of a $52 million settlement against the dairy industry.
You don’t need to have receipts or proof of purchase in order to get a piece of this payout; instead, you simply pledge to be telling the whole truth when you fill out the online form.
Think about it. Whether you’re feeding a household of one or five, there’s probably been some sort of dairy product involved over the years.
How to Claim Your Milk Money
To qualify, you must have:
- Lived in at least one of these states at some point between 2003 and now: Arizona, California, the District of Columbia, Kansas, Massachusetts, Michigan, Missouri, Nebraska, Nevada, New Hampshire, Oregon, South Dakota, Tennessee, Vermont, West Virginia or Wisconsin
- Purchased milk products including cream, half-and-half, yogurt, cottage cheese, cream cheese or sour cream, regardless of brand or grocer
- Purchased such milk products for yourself or a school program
It takes about a minute to file your claim, and you have until January 31, 2017, to milk this cash cow.
Seriously, that joke was too good to leave out.
The Strangest Settlement We’ve Ever Seen?
The million-dollar settlement is the result of an antitrust lawsuit stemming from a National Milk Producers Federation scheme to kill off cows to raise milk prices. So it’s almost eerie to see cartoon cows and cow print on the website educating consumers about this settlement — it’s as if they want us to forget what the lawsuit was about.
Here’s the confirmation screen for my own claim:
I get it. You have to be consumer-friendly. But this one’s a little sour.
Your Turn: Will you file a claim in this class-action settlement?
Lisa Rowan is a writer and producer for The Penny Hoarder.
The post Got Milk? The Dairy Industry Probably Owes You Money appeared first on The Penny Hoarder.
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Now Hiring: Part-Time, Work-From-Home Jobs — No Experience Required
Want to work with a team who describe themselves as “innovators who are not afraid to put their ideas into action”?
This cool work-from-home job offers flexible, part-time hours and work you can do while you watch TV, commute on the train or squeeze in while the kids sleep!
Seattle-area technology consulting firm iSoftStone North America is hiring online ad evaluators to ensure the accuracy and relevance of client web advertisements.
iSoftStone helps clients use digital technologies to optimize business processes, grow audiences, conduct market research and more. The ad evaluator role offers feedback to optimize web advertisements for online and local audiences.
This part-time, work-from-home position starts with 10-25 hours per week, with the possibility of increasing to full-time based on performance.
Requirements
To apply, you must be at least 18 years old and a U.S. resident with native-level English proficiency.
You should be comfortable working from home on a flexible schedule and be familiar with and passionate about current events, news, media and pop culture.
No tech skills required — you’ll get all the training you need to do the job. All you need is a computer running Windows OS and a stable internet connection.
Submit your application online here.
Want to be the first to know about other fun and interesting jobs like this? Like The Penny Hoarder Jobs on Facebook to stay in the loop!
Your Turn: Have you seen any interesting work-from-home jobs lately?
Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).
The post Now Hiring: Part-Time, Work-From-Home Jobs — No Experience Required appeared first on The Penny Hoarder.
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DietBet is Hiring a Part-Time Referee — and You Can Work From Home!
Thank goodness this referee job doesn’t require sweating on a field, wearing unflattering stripes or slobbering on a whistle.
Instead, you’re actually making a difference in people’s lives (not just sports fans) — and working from home.
DietBet is a game challenging people to get healthier, primarily by losing weight. And holy extra-large cow — it seems like it works. It’s helped players lose over 5 million pounds since launching in 2013.
Even more? It pays you to lose weight — $24 million has been dealt to successful players.
And even more? Although the company’s based in New York, DietBet is hiring a part-time, work-from-home referee — or customer service associate.
But this isn’t your average sit-at-home-with-a-headset-on customer service gig.
What You’ll Do as a DietBet Referee
As a referee, you’ll connect the “players” to the game, making sure they’re having a positive experience, troubleshooting any issues and working alongside the product team on new features.
This is a part-time position with a flexible schedule. Sometimes you’ll work 24 hours a week; other times you’ll work close to 40. Salary is negotiable and depends on your experience.
Growing with the company and becoming full time seems very possible.
Are You Qualified to Be a DietBet Referee?
Like many customer service jobs, you should have strong written communication skills.
And technology shouldn’t freak you out since you’ll work to troubleshoot technical issues. This is also a start-up environment, so staying calm and taking initiative are key abilities.
You should also be prepared to work extra hours around New Year’s to help people set and keep those pesky resolutions. You might also need to be available nights, weekends and other holidays.
Customer service experience is preferred, but not required. Your application will get a gold star if you’re passionate about helping others. “Sounds corny but it’s what this job (and our company) really are all about…” the listing states.
So are you ready to start helping people? Apply for the job now.
Want to be the first to know about other fun and interesting jobs like this? Like The Penny Hoarder Jobs on Facebook to stay in the loop!
Your Turn: Would you rather be a diet referee or a real one?
Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After recently completing graduate school, she focuses on saving money — and surviving the move back in with her parents.
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Ask GFC 008 – Roth IRA, 401(k), HSA – Which Do You Max Out First?
Welcome to another Ask GFC! If you have a question that you want answered you can ask it here.
If your questions get featured on GFC TV or the GFC Podcast, you are the lucky recipient of a copy of my best selling book, Soldier of Finance, and a $50 Amazon gift card.
So what are you waiting for? Ask your question now!
This is a question that comes up often, so I’d like to address it. Brian asks:
“What should I be trying to max out first? Roth IRA, 401k, or HSA (pre-tax dollars essentially makes saving an instant 30% return)? Roth IRA and HSA both have easier to reach limits. 401k has a higher limit, and I know it’s common to always put in at least up to your company match. However, I’m not sure how to divide up my remaining excess dollars between the 3 accounts.” – Brian
I’m going to address this question in a general sense, based on Brian’s situation. It may be a little different for each person, depending on the types of plans you have, and what perks, if any, your employer provides.
Here’s the general funding order I’d recommend:
1. Fund an Emergency Fund Before You Do Anything Else
Brian didn’t list this as one of his options, but I’m including it because it is a requirement in most situations.
People often forgo having an emergency fund, making the assumption that if they have enough investment assets, that an emergency fund is unnecessary. They may also feel that an emergency fund is a bad investment because the rate of return on supersafe assets is so low.
By an emergency fund is not an investment, and shouldn’t be judged by the same criteria. It’s generally about having money available just in case. After all, we never know what life has in store, and having some extra cash available is a way of keeping small problems from turning into big ones.
And even though an emergency fund isn’t investment, it still represents an important part of your investment portfolio. It’s really a form of insurance that protects you from having to tap into your investments when an emergency situation crops up.
For most people, it’s recommended to have something like three months living expenses in an emergency fund. Starting this fund should be a priority, especially if you are a new or small investor.
2. Fund the 401(k) – At Least Enough to Max Out the Employer Match
Brian mentions this very step in his question, but I’m repeating it for anyone who isn’t familiar with the concept.
If your employer provides a matching 401(k) contribution, you should plan to make the minimum contribution necessary in order to get the maximum employer match. After all, the employer match is virtually found money! You don’t have to do anything special in order to get it, other than to make your own contribution to your plan.
So if your employer matches 50% your contribution, up to a maximum of 10%, then 10% should be your funding target. That will mean that you will effectively be contributing a total of 15% of your income into your 401(k) plan.
To not take advantage of this generous offer is like “leaving money on the table”!
3. The Roth IRA
I’m really sorry to make a Roth IRA contribution #3 on this list, because I love the Roth IRA program and seriously believe that everyone should have one. Not only does it offer the prospect of tax-free income in retirement, but it also has nearly unlimited investment options – certainly more so than the typical employer-sponsored retirement plan.
At a minimum, a Roth IRA should be seen as a form of retirement investment diversification, in regard to both income taxes and investment choices.
If your emergency fund is fully funded, and you have contributed up to the minimum that you need to get the maximum employer match on your 401(k), you need to fully commit yourself to maxing out your Roth IRA.
You can contribute up to $5,500 ($6,500 if you’re 50 or older), and your goal should be to maximize the contribution each and every year that you have the money available to do so.
In addition, since contributions to a Roth IRA can be withdrawn free of taxes and penalties for virtually any purpose, I’m putting it ahead of funding HSA’s. The limitation on HSA’s is that money can be withdrawn from the plan only for qualified medical expenses. You can withdraw funds from your Roth IRA for medical expenses too – and for a whole host of other purposes as well. That makes the Roth IRA the more flexible of the two accounts, and the higher funding priority.
4. The Health Savings Account (HSA)
For 2016, you can contribute up to $3,350 to an HSA if you’re single, and up to $6,750 if you have a family. If you’re 50 or older, you can add an additional $1,000 to either limit. The contributions are fully tax-deductible when made. In a way, this means that you can deduct medical expenses, even if you don’t itemize on your income tax return.
But despite the fact that the contributions are tax-deductible, you don’t necessarily need to go that high. In general, the contribution should be sufficient to cover the out-of-pocket maximum on your health insurance plan. For example, if your out-of-pocket maximum is $2,500 per person, or $5,000 per family, you can cap your contribution at those levels.
The reason for establishing limits based on your out-of-pocket maximum is that, as mentioned above, HSA funds can only be withdrawn for qualified medical expenses. If you don’t use them in given year, you can roll them forward, but the ultimate purpose must be medical-related.
5. Curveball: Fund Some Non-tax Sheltered Accounts!
This is another funding priority that Brian didn’t mention in his question, but one that I recommend that you consider carefully.
In addition to your tax-sheltered investment plans, adding non-tax sheltered investments can help you to save and invest for intermediate term goals. They may be goals that are more than five years into the future, but fall short of retirement planning. This can include investing money for a specific purpose, such as your children’s college educations, or for general large outlays, such as replacing your car and the roof on your house.
There can also be an important tax angle here. If you are in the 10% or 15% income tax bracket, you may be subject to 0% capital gains tax. That means that you can invest in appreciating assets without having to pay taxes on the gains. And then you can withdraw the money at any time, without any tax consequences.
6. Last: Max-Out Your 401(k)
When all of the above priorities have been met, it’s time to look at maxing out your 401(k) contribution. This will not only maximize the amount of money that you will have available for retirement, but it will also give you a great big tax deduction.
Additional Thoughts…
I mentioned at the beginning that this advice is general, and that it will change a bit for each person depending upon their circumstances.
Some situations where you might consider changing the priorities could include:
- You’re close to retirement, so you should want to max-out your 401(k) contribution ahead of funding non-tax sheltered investments.
- You may decide that you want to make funding non-tax sheltered investments and maxing out your 401(k) a simultaneous priority. For example, you may decide to split contributions to each on a 50/50 basis, or whatever split you decide on.
- If you have heavy medical costs due to a chronic condition or illness, you might want to move funding your HSA ahead of your Roth IRA.
- If most of your assets are in retirement plans, you may want to give greater priority either to non-tax sheltered investments, or to a Roth IRA.
These are just some examples of funding priority variations. If you’re unsure what priority to use, discuss it with your financial advisor.
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The 9 Digital Marketing Skills in High Demand Right Now
Digital marketing is one of the most lucrative industries in the modern world.
I’m not saying that just because I happen to be in that industry.
I’m saying that because it’s true.
With just a laptop and Internet connection, there is really no limit to what you can accomplish and how much money you can make through digital marketing.
Personally, I’ve worked on nearly every continent. (We’re not counting Antarctica, okay?) I’ve worked at cruising altitudes of 36,000 feet. I’ve worked on holidays. I’ve worked on the beach.
And the results? They speak for themselves.
You can reach millions of people around the world with your message or product in a matter of hours.
To get an idea of how quickly digital marketing is growing, check out the graphic below:
This puts digital marketing skills in high demand for businesses of all shapes and sizes.
It’s not just entrepreneurs who need digital marketing chops. With the right digital marketing skill set, you can become one of the most valuable members of a company within a very short period of time.
Whether you work in an established business, a startup, or as a solopreneur, digital marketing skills are absolutely essential.
Sure, it’s tough to master every aspect of digital marketing—it’s a big pond.
Thankfully, there are dozens of sub-skills in the digital marketing world. You can choose where you want to go deep.
Whether you are more creative or analytical, a team player or a lone wolf, there are jobs within digital marketing for you.
But what are the most important skills you need to be cultivating if you want to make a living (or a fortune) in digital marketing?
Here is a list of the nine most in demand digital marketing skills in 2016.
1. SEO specialist
It should come as little surprise that SEO is the skill at the top of this list.
You’re thinking, “C’mon, Neil. It’s 2016. SEO is kind of defunct, right?”
Some people like to believe that SEO is dead, but nothing could be farther from the truth.
SEO is just as important now as it’s ever been, if not more so.
But there is far more to SEO than just getting your website to show up for certain search queries.
Due to the changes in Google’s search algorithm, SEO practices are changing.
Businesses are beginning to understand the importance of white-hat marketing techniques, such as content marketing and guest blogging, which are becoming a critical part of SEO success.
Because of all of the changes within the world of SEO, hiring a dedicated team of SEO experts has become darn near a necessity.
Companies need a person or a group who can keep up with the rapidly evolving world of SEO.
They need people who understand the importance of providing value to the customer in addition to the technical side of things.
If you want to land a high-paying job within the digital marketing world, learn SEO and watch the offers roll in.
However, I should warn you.
SEO is not easy.
It’s something that evolves on a regular basis and requires a genuine interest to stay on top of the almost constant changes to the search algorithms and best practices.
2. PPC executive/specialist
Another skill that’s currently in high demand is PPC marketing.
There are a number of businesses generating high amounts of revenue who want to expand their reach through paid advertising.
The problem is, they don’t know how to properly allocate that money to ensure that it generates a high ROI.
That’s where PPC marketing comes in.
The ultimate goal of PPC is to help a company’s website reach rank #1 within Google by bringing in high quality, targeted traffic.
In theory, this sounds incredibly simple.
But in practice, this is one of the most difficult marketing jobs in the world.
You have to have a strong grasp of math, marketing strategy, and analytics.
You also need to know Google Analytics and AdWords like the back of your hand.
And then, you need to be able to develop campaigns that are providing measurable results to your clients, analyze those campaigns, and report on them.
PPC is incredibly complicated, important, and high investment/risk.
Which is why it’s also one of the best paying marketing jobs on the modern market.
If you can effectively show companies that you know how to bring in targeted traffic through PPC for the lowest cost possible, you’ll be able to generate massive amounts of revenue for years to come.
3. Social media expert
Social media is one of the single most powerful tools in the modern marketing world.
Over the past decade, social media has been growing faster than the Internet!
And it isn’t slowing down.
Nearly one-third of the population is currently using some type of social media platform.
It shouldn’t surprise you that companies are looking to capitalize on this unique marketing opportunity.
However, most companies, even many tech companies, simply have no understanding of how to leverage the different social platforms to achieve their goals.
This makes social media marketing an invaluable skill set to learn and cultivate.
And the thing is, there is a lot more to social media marketing than just promoting content on Facebook.
If you want to set yourself apart from the crowd, you need to master each platform.
This means understanding the best times of day to post, the types of posts that generate the most user engagement, and the ways to use each platform to achieve specific goals.
And once you understand the basics of social media marketing, you need to understand how to leverage paid social media marketing.
You need to develop an understanding of copywriting, color psychology, analytics, and visual marketing.
This is no easy task.
Because of how difficult it is to master social media marketing, it’s become on of the most sought after and highly paid digital marketing positions in the world.
Prove to clients you can generate measurable results that will grow their businesses through social media, and you will be richly rewarded.
4. Email marketing
There are few things that are more important to online success than email marketing.
If you have a large email list and you know how to leverage it, you can make large amounts of income every month with almost no work.
If you want to be someone who has employers knocking down your door, instead of spending hours and hours every day searching for new clients, learn email marketing.
And I don’t just mean writing emails that convert.
I mean the whole process.
You see, most businesses have no problem hiring someone who can write high quality emails that will generate a few conversions.
But there is more to email marketing than simply writing some fancy emails.
Companies need people who can help them build huge lists from scratch and then use those lists to achieve a variety of goals.
Building an email list of tens of thousands without an existing client base is an extremely challenging task.
And if you know how to do it, you possess an extremely valuable skill.
Beyond that, companies also need people who can use those lists to grow their social media following, promote new products, and drive new sales.
If you can learn how to master the email marketing process from start to finish, you will have clients begging to work with you.
5. Mobile marketing
One of the most sought after, and yet most overlooked, skills is the art of mobile marketing.
While there are plenty of similarities between desktop and mobile marketing, there are also enough differences to make this an essential standalone skill.
To add real value to the company, you need to understand these differences and why they are important to the rest of the business.
You also need to be able to talk intelligently about the more complicated aspects of mobile marketing such as SMS and responsive design.
One of the great things about mobile marketing jobs is that they are significantly less competitive than SEO or social media marketing jobs but are still a huge need for most businesses.
It seems like everyone and their brother is a self-proclaimed “Facebook Guru” or SEO consultant.
But how often do you hear about mobile marketing managers?
Mobile marketing is a challenging field to master.
But if you can do it, you’ll set yourself apart from the herd of other digital marketers.
This will all but guarantee high paying jobs for years to come.
6. Analytics
One of the single most important parts of digital marketing is analytics.
You can learn all the previously mentioned skills, but without the power of analytics, you’ll always be fighting with one hand tied behind your back.
In any marketing campaign, it is essential to run tests, track data, and then analyze that data to determine how you can improve and overcome marketing plateaus.
To become the best digital marketer you can be, you need to be able to analyze your other marketing efforts and make improvements based on what you learn.
This is the only way to truly put your marketing skills in the fast lane and achieve real success.
7. Content management/marketing
Content marketing is king.
We live in the age of information.
If you don’t have some sort of content that’s bringing viewers and keeping them hooked, you’ll fall behind.
This makes content management and marketing a highly valuable skill, especially for startups.
If you can learn how to curate and create incredible content for companies and then market that content to the point of it going viral, you’ll become one of the most valuable assets for those companies.
The cool thing about content marketing is that it goes hand in hand with many other skills listed in this article.
If you can learn how to improve your social media skills, you’ll improve your content marketing skills.
If you improve your abilities as an SEO, you’ll improve your ability to create viral content.
Basically, any digital marketing skill you develop will improve your skills with content marketing.
Because of the crossover between skills, mastering content marketing will give you invaluable leverage whether you are looking for clients or growing your own business.
If you can get a couple of viral articles or videos under your belt, the sky’s the limit, and you will be able to take yourself as high as you want.
8. Marketing automation
Companies need marketing automation solutions now more than ever.
Marketing is not an inexpensive endeavor.
Figuring out how to set up technology and software that streamlines the process as much as possible is an invaluable skill set.
However, mastering the art of marketing automation requires a wide knowledge base and an understanding of several different software platforms.
You need to learn the most efficient ways to automate email, social media, and content marketing, all without breaking your client’s budget.
If you can do this, you’ll be able to ask for just about any figure you want.
Most companies have no problem paying a top dollar to individuals who can save them money, make them money, and cut back on their workload at the same time.
9. UX design
One of the determining factors in online marketing success is the experience a user has once they’ve found your company.
Potential customers want to be able to navigate through your content as easily as possible, enjoying an aesthetically pleasing and streamlined experience.
In fact, customers will often base the credibility of an entire business on the design of its website alone:
UX designers are responsible for ensuring that products, websites, and other online platforms are easy to use and provide the customer with a pleasant experience.
Unlike most of the skills listed in this article, design is not directly responsible for bringing in new customers or generating leads.
However, it is responsible for ensuring that all of the effort companies put into other online marketing avenues is maximized.
It doesn’t matter if you are incredible at SEO, a social media marketing ninja, and an email marketing master.
If customers can’t easily access, navigate, and use your website and products, all of that effort will be in vain.
And with the growing expectations of the modern consumer, this skillset is more crucial now than it’s ever been.
Conclusion
Digital marketing is one of the best industries for the modern freelancer or entrepreneur to be involved in.
There are no commission caps, no ceilings, and no limits.
If you can learn to cultivate marketable skills (no pun intended), there is no limit to how much you can earn and grow.
It doesn’t matter whether you are running your own business, freelancing for a variety of clients, or just looking for a stable job with one company.
Digital marketing is one of the most lucrative and important skills you can acquire.
So, go out there and learn as much as you can.
It’s paid off for me. I know it will for you too.
Develop one (or all) of these skills, and your business and life will never be the same.
Which digital marketing skills do you use the most? Which ones do you think are most essential today?
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Some Thoughts on Conspicuous Consumption – and Less Expensive Ways to Show Your Status
A few days ago, I commented on a friend’s wristwatch. I happened to notice it because the face of the watch was black, which actually stood out on his wrist.
It turned out that this watch was a Rolex Submariner, something that often sells in the five figures. He was quite proud of it.
I mentioned to him that I had noticed he usually wore two other watches, one with a blue face and one with a white face, and he laughed. “I actually have about 10 watches that I rotate, mostly with white faces.”
Were they all similarly expensive? It turned out that this Submariner watch was actually in the middle of the road compared to the rest in his collection. His most expensive watch was a Patek Philippe, which was pretty high into the five figures.
Why? I couldn’t help but ask him that. He told me that he honestly didn’t know, aside from the fact that they looked good on his wrist. “I suppose that people who like nice watches will appreciate it.”
(At the end of this conversation, my friend, with a laugh, said, “You’re probably going to want to write about this on The Simple Dollar, aren’t you?” I nodded and he told me to go for it, because even he recognized that a six-figure watch collection was perhaps not the smartest financial choice.)
I completely understand where my friend is coming from. The watch he wears on his wrist is aesthetically pleasing. It stands out a little, enough that I even noticed it, and I’m usually oblivious to such things. My guess is that the watch makes him feel very good about his appearance and that boosts his personal confidence, although we didn’t directly dig into that issue.
But why do those things happen? In the end, what real advantage does a five-figure watch have over a three-figure watch (or even a two-figure one)?
Other than some extremely minor aesthetics, the biggest advantage that the expensive watch has is that it gives an appearance of wealth. For those that notice it and realize what it is, it’s an indication that this person has the resources to pay five figures for a watch.
In other words, it’s conspicuous consumption. From the Wikipedia definition:
Conspicuous consumption is the spending of money on and the acquiring of luxury goods and services to publicly display economic power — of the income or of the accumulated wealth of the buyer. To the conspicuous consumer, such a public display of discretionary economic power is a means either of attaining or of maintaining a given social status.
The purpose behind wearing such a watch isn’t the functionality of the watch. The functionality can be obtained at a much lower price. It’s about attaining or maintaining social status through a public display of spending power. It is a public display that says that the person wearing this watch is valued or valuable enough to be able to afford a five figure item on his or her wrist.
It’s similar to the reason that people wear expensive clothing or expensive jewelry. On a lesser scale, it’s why people tend to use high end electronics. None of those things provide any sort of meaningful functionality that surpasses less expensive versions (in fact, I’d argue that they’re less functional because there’s a financial reason to be much more protective of a five figure watch).
It’s not about what the item actually does in terms of functionality. It’s about status. It’s about appearance. It’s about self-confidence, in other words.
In other words, would you pay five figures for an item that made you feel substantially more self-confident in any situation? There are a lot of people who would do this… in fact, there are quite a few people who do this.
There’s a problem with that tradeoff, though.
For starters, such items often don’t lead to sustained improvements in self-confidence. They might help with your self-confidence over the short term, but something else will need to sustain it long term. Because of that, many people who buy items to improve their self-confidence often end up buying a string of them over time. When the self-confidence boost from a watch fades away, you’re either left accepting a reduced sense of self-confidence or you buy another item to artificially boost it again. (I should know; I have been caught in this cycle myself in the past.)
Of course, there is a third option.
The most powerful type of self-confidence booster isn’t conspicuous consumption. It’s self-improvement. It’s about genuinely improving aspects of yourself that bother you so that they no longer detract from your self-image.
There are many, many ways to improve your self-image and thus your self-confidence without conspicuous consumption.
You can try hard to always do the right thing and build a positive reputation. Few things feel better than knowing that you’ve done the right thing in a lot of situations in life. Doing so can build a strong sense within that you are a good and worthwhile person, plus it can help build a positive reputation for you which makes self-confidence much easier.
You can improve your grooming habits. Simply adopt a more thorough personal hygiene and grooming routine at the start of your day.
You can nip negative thoughts in the bud. Whenever you notice yourself thinking negative thoughts about yourself or about others, consciously shut down those thoughts and consciously look for positives. You’ll find that the whole world begins to look better.
You can lose weight. Not only does this provide health benefits, it can provide a powerful boost to self-confidence.
You can consciously work on your social and networking skills. Being able to put aside personal nervousness and actually talk to people in a social setting can completely change one’s worldview and one’s self-image.
You can engage in an interesting hobby. This often gives a person something to talk about and to share with others. It gives you a starting point for conversation, if nothing else. I can’t tell you the number of great conversations I’ve had about hiking or even about tabletop gaming.
You can actively practice self-appreciation. Simply list three things you appreciate about yourself every single day.
You can accept imperfections. No one is perfect – not you and not anyone else. That’s okay. Accepting that can do wonders for a person’s self-confidence once they realize that they don’t have to be perfect.
All of those steps add up to one key thing: self-confidence. In the end, that’s the real purpose of conspicuous consumption: it’s a substitution for self-confidence in order to gain the respect and admiration of others. A status symbol isn’t true status – it’s merely a substitute for it. True status comes from the person behind the status symbols, and if you have self-confidence and good character traits, you have everything you need.
At that point, status symbols become nothing more than overpriced trinkets; their value for increasing self-confidence basically vanishes because you already have that confidence. Their value for displaying status basically disappears because you already have that status.
The best investment you can make in your future isn’t to buy a status symbol. The best investment you can make in your future is to improve yourself. That turns out to usually be an investment of time rather than money.
Instead of buying that status symbol, use that money elsewhere to eliminate debts, build an emergency fund, and begin paving the life you want to live.
If you already have all of that, sure, buy yourself a five figure watch if you want one, but at that point, you can see it for what it is: a very expensive trinket on your wrist. It’s not self-confidence. It’s not status. It’s just a watch.
Self-confidence comes from within. Status comes from sustained self-confidence and other positive character traits. You can’t buy those things permanently; a status symbol is just a temporary boost at an extremely stiff price.
Good luck.
Related Articles:
- Why Emulating the Affluent Is a Terrible Way to Make Spending Choices
- The Illusion of ‘Winners’ and ‘Losers’ When Buying Stuff
- How to Get Rich: 10 Ways Wealth Is Created
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Class-Action Settlement Alert: Zara Shoppers Could Get $100 (or More)
There’s nothing better than getting paid for things you’ve already purchased.
I can attest to this, as a happy recipient of $44.08 from a Kashi class-action settlement I forgot I’d joined, 17 vouchers for free pairs of tickets from a Ticketmaster class-action settlement, and countless other class-action freebies over the years.
If you’ve shopped at Zara in the U.S., you, too, can reap the rewards of our legal system. You may be entitled to up to $100 — but you have to act fast.
What You Need to Know About the Zara Class-Action Settlement
The retailer recently reached a settlement in the class-action lawsuit Tsang v. Zara USA, Inc., which claimed it violated the Fair and Accurate Credit Transactions Act (FACTA) by printing the first six digits of customers’ credit and debit card numbers on its receipts. (FACTA only allows retailers to print the last five digits to prevent identify theft.)
As a result, Zara USA has agreed to provide all Class Members up to $100 per eligible transaction — which means if you’ve made multiple eligible transactions, you could potentially be awarded several times over.
But the clock is ticking. You have until September 26, 2016 to submit a claim, so if you suspect you’re eligible, now’s the time to stake that claim.
Are You Eligible for a Payout?
If you made an in-store purchase at any Zara store in the U.S. between April 28, 2015, and July 1, 2015, you may be a class member.
You must have made your purchase with a credit card or a debit card used as a credit card (in other words, without a PIN).
You also must have received an electronically printed receipt at the point of sale that listed the first six digits of your card. But don’t worry about scrambling to find that receipt; it’s not necessary to submit a claim. All you need to provide is some basic information about your purchase (see below).
How to Get Your Money
If you’re eligible (or even if you think you might be eligible), head over here to submit your claim.
Apart from your personal contact information, you simply need to identify the Zara store you shopped at, the type of debit or credit card you used, and the last four digits of that card. If you have your receipt, you can also scan and upload it as further documentation, but that isn’t a requirement.
So, what are you waiting for? If you’re eligible, submit your claim now — you’ve got nothing to lose, and a potential $100 (or more) to gain.
Your Turn: Have you ever benefitted from a class-action settlement?
Kelly Gurnett is a freelance blogger, writer and editor who runs the blog Cordelia Calls It Quits, where she documents her attempts to rid her life of the things that don’t matter and focus more on the things that do. Follow her on Twitter @CordeliaCallsIt.
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Rents rise, but at a slower pace
Rents rose by 3.1% in the year to August, taking the average price from £885 per month to £913, according to new data from specialist insurance provider HomeLet.
However, the figures suggest that rental growth is slowing, as the 3.1% rise compares with annual rental inflation of almost 6% a year ago.
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£14bn damages claim filed against MasterCard by former chief Ombudsman
A £14 billion damages claim has been filed against MasterCard by the former chief ombudsman of the Financial Ombudsman Services.
Walter Merricks argues that the credit card provider owes UK consumers a collective £14 billion for charging “unlawfully high” ‘interchange fees’ between 1992 and 2007.
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How to Qualify for a Small Business Loan
Applying for a loan under any circumstances is rarely fun. With all the paperwork and loan requirements, it probably ranks somewhere between visiting the dentist and filing your taxes.
For small business owners in need of cash to keep the doors open and the lights on, the process of qualifying for a loan can be even more nerve wracking. But there are ways to make obtaining funding for your business a little less painful, and to perhaps increase your odds of success as well, according to small business experts.
“The most important piece of advice is to apply for a loan before you need it,” says Lou Leyes, a business coach and financial planner with Susquehanna SCORE, which provides free and confidential business mentoring. “People often wait until the last minute to get a loan, and that’s the worst time to do it. Do it as soon as possible.”
While it may sound somewhat counterintuitive to ask for money before you actually need it, doing so will make the process much less stressful – and can improve your odds of meeting all the small business loan requirements.
That’s just one of the many pieces of advice Leyes and other financial advisors have to offer. Here’s a look at some of the other tips they say will make the process a little bit less fraught with stress and pitfalls.
1. Familiarize yourself with ‘The Five Cs.’
This is perhaps the most basic first step in applying for a small business loan. The five Cs are essentially what the bank is looking at when reviewing any loan request — what it considers the most critical small business loan requirements.
More specifically, the five Cs are: character, credit score, capacity, capital, and collateral.
When it comes to credit score, for instance, lenders have a certain threshold they’re not willing to go below. And they will view your business credit score (your personal credit score is often taken into consideration, too) as a measure of your willingness and commitment to meet financial obligations.
Capacity, meanwhile, refers to a company’s monthly or annual revenues, and capital pertains to cash-on-hand. The bottom line is, you should familiarize yourself with all the criteria banks will use to evaluate your application, and do what you can to put your best foot forward in each category.
“It’s important for a borrower to understand how they size up, where any weaknesses are, and if there’s anything that needs to be taken care of, corrected, or fixed before speaking with a lender,” says Robert Mineo, financing assistance program director for the Small Business Development Center at Lehigh University’s College of Business & Economics.
2. Develop a solid business plan.
Your business plan is like your road map, but with even more detail. It’s a formal document that lays out your business goals, why they’re attainable, and you plans for reaching those goals. Banks will want to see this document as part of the lending application. So make sure you’ve got a solid, professional, well thought-out plan to present.
“If you’re a brand-new business owner with a solid business plan, lenders will often lend money based on that business plan,” says Leyes.
3. Obtain guidance from a Small Business Development Center.
A service of the U.S. Small Business Administration, there are Small Business Development Centers (SBDCs) located throughout the United States. The mission of these centers is to help entrepreneurs realize the dream of business ownership and to help existing small businesses remain competitive.
For no cost, SBDCs will help small business owners with such things as identifying the right type of funding for a project, explaining the best strategies for navigating the financing process, and presenting a solid loan proposal, says Mineo.
4. Approach your meeting with a potential lender as if it’s a job interview or a first date.
What does this mean exactly? Once again, it boils down to putting your best foot forward.
When you apply for a business loan, wear what you would to a job interview, says Leyes. You want to appear professional.
To this, Mineo adds the dating analogy. “The goal is to see if both parties are interested. If the project — whether it’s a start-up or expansion — appears to be a good fit, the lender will provide information on next steps and what they require for the final application,” Mineo explains. “The borrower should then organize information and complete the required documentation.”
5. Be prepared to provide collateral.
As mentioned earlier, collateral is a key issue. Depending on the size of the loan, your credit history, and other variables, a lender may seek some collateral to back your loan — meaning an asset they can repossess if you default on the loan. (Auto loans and mortgages are two common examples of loans secured by collateral — namely, your car and your home.)
As for what kind of collateral people should have exactly – there’s not really a great answer for that question, according to Mineo. It all depends on the lender, the type of financing being sought, and other factors. But in general, collateral is typically a valuable asset such as a home, a car, or commercial property.
More importantly, know this fact: “It’s extremely difficult to obtain financing without any personal or business assets available,” Mineo says.
A Few Final Bits of Advice
If you’re considering opening a business, begin saving money immediately, socking away as much as you can. Not only will the cash help extend your start-up runway or come in handy during an emergency — it will also improve your chances of obtaining a loan when the time comes, says Leyes.
“Start improving your personal cash flow right away, and cut every expense you can in your personal life, so that you’re sitting on a ton of cash,” advises Leyes.
Also consider applying for a loan from local banks first to increase your odds of success, Leyes adds. “I work with the local banks in my area, and the relationships are easier to develop and maintain,” he explains. “And those relationships will take you a long way when things aren’t going well.”
Finally, don’t be discouraged by rejection. Rather, use the experience as an opportunity to find out what exactly the lender found objectionable, so that you can fix the problem and make your application stronger next time around.
“Ask questions as to why you’re getting rejected, understand what their criteria was and why they didn’t think the loan was a good risk for them,” concludes Leyes.
Related Articles
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5 Money Moves to Make in Your 20s If You Want to Pay Off Your Student Loans
Congratulations, new grads!
Here’s your bill…
If not in so many words, this is certainly the sentiment college graduates are welcomed into the “real world” with now.
Debt practically feels like an inevitable part of becoming an adult.
Students graduating with loans this year owe an average of $37,172 in student loan debt, the Wall Street Journal reported in May.
If you took out federal student loans throughout college, you’re likely on a 120-month (10-year) repayment plan and could be debt-free by your early 30s.
But if you hit a rough patch or defer payments for any reason, you could extend the timeline for years.
Avoid letting debt loom over you into middle age by creating a plan early and managing your money well right now — before it gets the best of you.
Here are five strategies to help you wrangle your budget and pay back your student loans faster:
1. Create a Grown-Up Budget
The first step to paying off debt is to get your finances in order.
Map your income, monthly bills and spending on necessities like groceries to get a baseline of what’s coming in and where it’s going.
Where do your student loans fit into your budget?
If you’re already making monthly payments, can you actually afford them? Or are they a huge strain on your budget? What needs to change so you can afford them?
If you’re not already making payments, how much room is in your monthly budget to start paying down debt?
Write this information into a document or spreadsheet so you have it available to help you make decisions about your debt repayment.
2. Take Stock of Your Student Loan Debt
School’s out; you can’t avoid them anymore.
If you haven’t looked at your student loan agreements since you registered for your first semester of courses, it’s time to dust them off and put together a game plan.
You may have loans from several sources — more than one federal loan and possibly additional private loans. Multiple monthly payments and interest rates can make repayment cumbersome — and cost you money.
Revisit your loan agreements, and use the Department of Education’s student loan repayment estimator to find out just how much you’ll pay over the life your loans.
Then figure out how you can reduce that amount.
If you’re already struggling to afford monthly payments or you’re shocked by how much you’ll pay over time in interest, refinancing could help.
Student loan refinancing combines your complicated loans into one simple monthly payment. You may be able to reduce how much you owe each month and/or get a lower interest rate to save money over time.
Find a new rate and options at Credible.com, a marketplace that lets you see personalized rates from multiple refinancing lenders.
Seeing your offers on Credible won’t affect your credit score or share your information with lenders before you’re ready to proceed with an offer.
3. Check Your Credit Score
Do you know your credit score?
Do you know which of your actions affect it?
Improving your credit score could mean better repayment options and a lower interest rate when you refinance your student loans.
If you haven’t gotten one recently, credit reporting agencies Experian, TransUnion and Equifax each owe you a free credit report once every 12 months. Get those at AnnualCreditReport.com.
If you use a credit card (or cards), you could be eligible for a higher credit limit after graduation.
If you get a new job or a significant pay hike, try calling your credit card company to ask for an increase to your credit limit.
Cut your spending and pay off your card’s balance each month, and this can be a simple way to improve your credit score.
A higher credit score could mean a better deal if you refinance your loans. It could help you get a lower interest rate and favorable repayment terms — saving you money in the long run!
4. Start Saving (Again)
You may have spent the first 18 years of your life saving money for college expenses — and the past four years just scraping by.
But it’s time to start thinking about saving again. Start with a 401(k) through your workplace. If that’s not available, consider an IRA.
You may not be ready to think about retirement, but the earlier you start, the more money you’ll save and earn in interest before retirement.
With an average liberal arts salary, if you start saving at 21, it would take just $25 per week to save over $683,000 by the time you’re ready to retire at 65. At that rate, your annual retirement income would be over $78,000!
Then, automate additional savings through your bank or with an app to build an emergency fund and savings account.
Building an emergency fund of even a few hundred dollars can buoy you through a rough patch. It can ensure you don’t have to sacrifice debt repayment when money is tight.
5. Revisit Your Taxes
Since you’re no longer in school, make sure you know what you’ll be paying in taxes and what credits or deductions you qualify for.
To avoid owing money to the IRS in April, you may want to adjust the withholding on your W-4 from what you’re accustomed to.
Use the IRS Withholding Calculator to help ensure you’re withholding enough to cover what you owe.
While you pay off your student loans, you can also save money by claiming the Student Loan Interest Deduction. If you’re eligible, you can deduct the amount of interest you pay on student loans, up to $2,500 a year.
Save Money by Repaying Faster
Paying off student loan debt won’t only reduce your stress by getting rid of those pesky monthly payments — but it’s definitely a perk.
Paying faster will also likely help you save money.
While you enjoy the immediate effects of deferment or making minimum payments, your massive student loan bill continues to collect interest.
The longer you take to pay off student loans, the more you’ll pay in the end.
Enact these strategies now, and you could save thousands of dollars in unnecessary payments — and headaches.
Your Turn: What steps are you taking to pay off student loans faster?
Sponsorship Disclosure: A huge thanks to Credible for working with us to bring you this content. It’s rare that we have the opportunity to share something so awesome and get paid for it!
Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).
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When Working from Home Doesn’t Work Out
By Emily Belcher Working from home has a very popular stereotype that envisions someone resting in a hammock (margarita close-by of course) and listening to the sound of crashing waves as they type away on their laptop. We all wish that was the reality of working from home and hopefully, one day it will be. But […]
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