Thousands of courses for $10 728x90

الجمعة، 29 ديسمبر 2017

Apple Says Sorry for Slowing Your iPhone With $29 Replacement Battery Offer

By now you’ve probably heard that Apple has fessed up to slowing down older iPhones.

Not cool.

Why’d the company do it? To make you buy a new iPhone, right? Apparently not. The company claims older iPhone batteries were suddenly shutting down and damaging the phones. Consumers had complained about the same issue earlier in 2017. So to combat this, Apple intentionally slowed down certain processes to reduce strain on the battery.

Hmmm. OK. But that doesn’t make slowing down our phones and not telling us why any more acceptable.

Now, Apple is taking a bigger step toward fixing the problem before it ends up on the wrong end of a class-action lawsuit.

Get a Replacement iPhone Battery on the Cheap

In hopes of an amicable solution to the problem, Apple has dropped the price on replacement batteries for iPhone 6 or later models from $79 to $29.

According to Apple’s website, it was getting a barrage of complaints.

“Over the course of this fall, we began to receive feedback from some users who were seeing slower performance in certain situations. Based on our experience, we initially thought this was due to a combination of two factors: a normal, temporary performance impact when upgrading the operating system as iPhone installs new software and updates apps, and minor bugs in the initial release which have since been fixed.
We now believe that another contributor to these user experiences is the continued chemical aging of the batteries in older iPhone 6 and iPhone 6s devices, many of which are still running on their original batteries.”

The deal starts sometime in late January and will be available through the end of 2018, and your phone doesn’t need to be under warranty to get the deal. Keep an eye on Apple.com for details on the release date.

Apple will also issue a new iOS software update to help users gauge the health of their iPhone’s battery.

So in short, if you don’t have the newest possible iPhone, keep an eye out for the new iOS update coming in January, and then see if your battery is up to snuff. Keeping your phone up and running for just $29? Not a bad deal.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

 

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



source The Penny Hoarder http://ift.tt/2DyzHJg

Need to Get your Finances on Track? These 7 New Year’s Resolutions Can Help

I’m guilty of setting the bar too high.

This is why I can never keep a New Year’s resolution. Run at least four days a week? Cut desserts? Read a multitude of books?

I always fall off those wagons about three weeks into the new year, and, well, once I’m off the wagon, I’m not the type of person to hoist myself back up.

This year, though, I’m resolving to set attainable resolutions — especially when it comes to money, a very tangible, countable entity.

To get started, I polled our Facebook community group to see what you all are hoping to achieve in this glorious new year. Many of your resolutions align with mine. Very generally, the resolutions include making more money, starting a savings and investing.

I’ve outlined some concrete actions you — and I — can take to achieve these goals.

Make More Money

Your options in this arena vary far and wide, but here are some ideas you might be able to run with.

1. Get a Side Gig

The gig economy is booming, so take advantage of it.

Consider something fun and sociable, like driving for Lyft or delivering food for UberEATS.

Or if I don’t want to leave your apartment? (Which is typically the case…) There are always those survey sites. No, you won’t get rich, but you can make extra money.

2. Secure a Work-From-Home Job

Work-from-home jobs come in all shapes and sizes. You can opt for one that requires less experience or one that’s more specialized. You can get a full-time job from home or go with a part-time weekend job.

Either way, you won’t have to leave your house — major points. You can find your fit by following our Facebook jobs page or checking out these sites.

3. Take Up Freelancing

I keep telling myself I’m going to start freelance writing.

If you’re like me and keep spinning your wheels, use this guide to setting up an LLC to get started. I have taken the first step — creating a website — to establish my brand. The process isn’t easy or smooth, but it’ll be worth it.

Save Your Money

I’m really bad at this, so let’s just get started.

4. Create — and Follow — a Budget

Like creating a grocery list, I really, really, really, really hate the idea of budgeting. Really. I’ve tried to do it so many times and continue to fail. However, the new year makes me feel positive, so it’s time to try again.

Good news for me: There’s an app — or two or three — for this.

One recommendation is Mint, an app that keeps all of your financial information in one spot. (Think: banks, retirement and credit cards.) It’ll break down your spending by category and lets you set savings goals.

Then, to help monitor my credit card spending, I’ve started using Birch Finance. It breaks my spending down by month — and even day. It helps hold me accountable. Plus, it recommends the best credit card for rewards.

By following a budget, you can be more aware of where your money is going and where you can save.

5. Open an Untouchable Savings Account

If you haven’t already, consider doing this.

Many of you with financial resolutions noted wanting to save money — whether it’s to start an emergency fund, to pay off bills or debt or to travel.

A savings account is a simple way to start. You can even automate your savings — dropping a certain amount in each week, month or with each paycheck.

Pro tip: Be sure to keep an eye out for sign-up bonuses.

Invest Your Money

Once you’ve got a little extra income and have a savings started, consider investing.

6. Open a Retirement Account

Thanks to The Penny Hoarder, I have my first 401(k). I’ve also optimized it courtesy of the robo-advisor Blooom.

However, I know there’s more I can do to secure my future.

I consulted one of my favorite articles: a comparison of different ways to plan for retirement.

I’d like to set up a Roth IRA, which sounds super scary, but after an explanation it’s not. Basically, it’s a traditional IRA, but you pay taxes on the money as you earn it — versus when you take it out.

Bankrate has this awesome calculator that lets you determine the best route for you.

7. Use An App To Start Micro-Investing

This is an easy-peasy way to start investing.

Many folks in our community group mentioned their favorite apps, which include Clink, Motif and Stash.

One member, Susan, says she uses Stash and has invested nearly $250. She sets it on auto-deposit, so she doesn’t even miss the money.

In my opinion, automation is a great way to achieve a New Year’s resolution.

In all, my hope is that these concrete resolutions will help me get my booty in gear. Really, doing something like opening a retirement account isn’t that hard. It’s just a matter of digging in and doing it.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder.

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



source The Penny Hoarder http://ift.tt/2ow9uqT

On a Budget This New Year’s Eve? Throw a Rockin’ Party on the Cheap

New Year’s Eve seems like such a perfect opportunity to go out on the town. The only problem? Everyone else has the same idea.

So, thanks to the law of supply and demand, most bars and clubs charge a premium to count down the last minutes of the year within their walls. When you add it all up, cover charge + fancy dress + expensive drinks + taxi rides = one heck of an expensive night.

Add to that an inability to move (due to the throng of bodies) and long waits to get a drink, and you may discover going out isn’t worth the hype.

After several years battling the New Year’s Eve bar scene, that’s the conclusion I’ve come to. This year, I’ve decided to throw my own New Year’s Eve party, which, between my friends and me, is going to save us hundreds of dollars.

6 Steps To Save Money By Throwing a New Year’s Eve Party

Here are six steps you can take to throw the perfect New Year’s Eve party — on a budget!

1. Send Festive Evites

First things first: the guest list. You could make a plain ol’ Facebook event, but why not class it up with an evite?

Paperless Post has gorgeous designs, or use Evite so your friends can leave messages as they RSVP.

2. Decorate With Handmade Crafts

There’s only one requirement for New Year’s Eve decorations — lots of sparkle — which means it’s super easy to decorate on a budget.

The best part? You can use all of your leftover Christmas decorations: Keep your lights up, hang varying lengths of curled ribbons from the ceiling and cut out circles of wrapping paper to attach to the walls as giant confetti.

If you really want to get crafty, here are some shiny ideas:

3. Create the Perfect Playlist

Music is absolutely essential for creating the perfect party mood. So, please, make sure you have something louder than your phone to play it with!

As for the tunes themselves, there are several options. With Spotify, you can either create your own playlist or rock one of their pre-created mood mixes.

On Pandora, you can listen to everything from top 40 to Frank Sinatra. Google Play is another good choice.

4. Serve Champagne Punch and Dessert

Your party isn’t going to get hopping until 8 or 9 p.m., so ask your guests to eat dinner at home. That way, you don’t have to worry about buying and preparing food — and if your couple friends want to enjoy a romantic dinner beforehand, they can.

What you do need to provide is champagne, and lots of it.

The best way to do this is by buying a bunch of cheap champagne and making punch. Not only is it delicious, but it will make the booze (and therefore, your guests) last longer. Try this orange, cranberry, and basil punch from Cook the Story, or this strawberry punch from Allrecipes.

Because you’re providing the drinks, ask your guests to each bring a dessert to share. That will keep your costs down, as well as allow everyone to sample a variety of tasty treats.

If you can’t resist making one yourself, here are a few festive ideas:

5. Hand Out Fun Favors

Favors are definitely not required, so skip these if your budget is really tight. If you have the time and money, however, favors give your party a bit of extra oomph (which can put it in the running for the best party of the year!).

Here are a few ideas you can make cheaply and easily:

6. Plan Some Group Activities

Between the champagne, desserts and music, your party might have enough going on — but if it needs a boost of energy, try some engaging group activities.

Here are three ideas that will make your guests laugh (and bond):

  • Create a photobooth. Gather silly props from around the house, paint a NYE-themed backdrop onto a sheet or big piece of paper, buy a disposable camera — and voila! Not only will you have a blast, you’ll have funny photos to remember your night.
  • Print out these New Year’s Eve playing cards from Real Simple. Ask your friends to fill out the cards with their resolutions for the new year, and then guess who wrote what.
  • Download the group game app Heads Up, which will provide hours of fun for just 99 cents on iPhone and free on Android. (You may have seen it on The Ellen Show.)

Follow these steps, and you’re sure to have the best NYE party on the block — for a fraction of what it would cost to hit the bars. We can’t think of a better way to ring in the new year!

Susan Shain is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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



source The Penny Hoarder http://ift.tt/2t5c45L

We Crunched the Numbers to Find the 10 Best Bargain Travel Options for 2018

Face it: 2017 has been a bit of a drag.

We got hit by three major hurricanes, we can barely afford rent anywhere in the U.S. and to put a cherry on top of this poop emoji of a year, our co-workers gave us crummy gifts during the annual office exchange.

We could all use a vacation. And even though Americans are terrible at saving money and are also pretty bad at taking vacations in general, this is the year where you should spring for that trip away to get some much needed rest and relaxation.

But where to?

Thankfully, travel website Hipmunk has put together a guide with a list of the average airfares to cities across the U.S. And the 10 cheapest destinations are actually pretty cool.

We took it one step further and factored in the average rate for an Airbnb using Airdna and the difference in local costs using regional price parities from the U.S. Bureau of Economic Analysis to reshuffle those top 10 into the most affordable cities you should consider for a vacation in 2018.

Oh yeah, and we also found a couple of cheap things for you and the family to do in each one.

These 10 Cities Might Be Your Cheapest Travel Options in 2018

Just a disclaimer, these may not necessarily be the cheapest places for you to visit in 2018 depending on where you live. But on average, according to Hipmunk, you will get the best rate on roundtrip airfare to these cities.

1. Atlanta, Georgia

Average airfare: $290.62

Airbnb: $134

Local prices rank: 1

Hotlanta is likely on the list due to its airport status as a major hub for connecting flights, but that doesn’t mean you shouldn’t also see it as a solid vacation destination.

For $8, take the family on a glass elevator 72 stories to the Sun Dial Restaurant, and check out a birds-eye view of Atlanta. Don’t worry, they won’t force you to stay for a fancy meal.

Or you could get nostalgic and take in an $8 flick at the Starlight Drive-In Theatre. Celebrate the Civil Rights Movement by visiting Martin Luther King Jr.’s birthplace, and spend the day in Centennial Olympic Park for free.

2. Oakland, California

Average airfare: $251

Airbnb: $123

Local prices rank: 10

You might just think of Raiders fans when you think of Oakland, but there’s plenty of culture in this Bay Area city.

Get half-price admission — plus some awesome food truck options — at the Oakland Museum of California on Friday nights. That’s just $7.50. You can also catch a flick at the historic Grand Lake Theatre for $11, which isn’t too bad in this day and age. You’ll even get a free Wurlitzer organ show.

And you’re so, so close to San Francisco. It’s less than $10 for a roundtrip ticket on the Bay Area Regional Transit line to get to the Mission District.  There you can spend half a day just checking out the murals, enjoying the culture and chowing down on authentic Mexican food. Get the salsa verde.

3. Dallas, Texas

Average airfare: $315.24

Airbnb: $125

Local prices rank: 4

Everything may be bigger in Texas, but it’s definitely not the most expensive state to take a vacation.

Head to the heart of Dallas in 2018, and feed your inner conspiracy theorist with a visit to Dealey Plaza and the infamous grassy knoll, near which President John F. Kennedy was assassinated. It’s $16 to get into the museum in the former book depository, but that price may be well worth it following the recent massive dump of documents related to the event.

Wear the kiddos out at the Children’s Aquarium at Fair Park which is $8 for adults and $6 for kids. For couples, spend $10 to check out the Dallas Museum of Art then get a cheap but delicious hot dog at Angry Dog.

4. Orlando, Florida

Average airfare: $282.98

Airbnb: $161

Local prices rank: 2 (If you stay out of the dang theme park stores.)

There’s something freeing about visiting a city monopolized by theme parks and not actually visiting one. You should try it.

But you can still come close to one with Downtown Disney without forking over $75 or more. It does cost money to park, but spend $20 at any of the shops and parking is free. The same goes for Universal Studios’ CityWalk. I once spent three hours just wandering this district and taking in random shows while my wife was at a conference. I managed not to spend a dime.

But there are also tons of things to do in Orlando’s real downtown. Orange Blossom Brewing Co., for example, is a must for beer snobs.

5. Chicago, Illinois

Average airfare: $292.99

Airbnb: $139

Local prices rank: 6

One of the biggest cities on this list, Chicago has such a large footprint that it’s hard to specifically pinpoint cheap things to do here. But we’ll do our best.

The 606 is an “urban oasis” that was once a railroad track. Now it’s an awesome, artistic recreational trail that will provide hours of entertainment — in the warmer months, of course.

Check out the lions at the Lincoln Park Zoo for free, then wander around the Navy Pier and Millenium Park. The Chicago Cultural Center always has free events, and you can get into the National Museum of Mexican Art for free as well.

6. Tampa, Florida

Average airfare: $337.49

Airbnb: $116

Local prices rank: 5

Just over the bridge from The Penny Hoarder HQ, Tampa is a fun city my wife and I venture to from time to time. It definitely makes a solid vacation choice.

Since it’s basically summer year round here, you can enjoy any outdoor activity whenever you visit. It may be a half-hour drive, but no visit to the Tampa Bay area is complete without a trip to the beach.

For a fun afternoon, try out the local bike-share program, Coast, and ride along the Tampa Riverwalk. Then head to Ybor City, where you can tour the historic town and grab a cheap, but authentic, Cuban sandwich.

7. Las Vegas, Nevada

Average airfare: $288.67

Airbnb: $164

Local prices rank: 3

Get here for cheap, then just put a few hundred bucks on red and you’re good to go. OK, we’re just kidding.

But seriously, there are things to do in Las Vegas besides throw away your hard-earned cash, even if the casinos themselves can be attractions. The Adventuredome in Circus Circus and the Bellagio Conservatory & Botanical Garden are worth a jaunt.

Visit the Ethel M Chocolates factory for a Willy Wonka-esque tour — minus the Oompa Loompas. And work off those bonbons with a hike along the Calico Tanks trail in Red Rock Canyon.

8. Fort Lauderdale, Florida

Average airfare: $283

Airbnb: $160

Local prices rank: 8

This city is way more than a smaller Miami, and there’s just as much to do here.

While the nightlife is great, the real gems of this city are outdoors. If you’re feeling particularly ambitious, and courageous, count the alligators as you bike all 15 miles of Shark Valley National Park. Or, for the less strenuous outdoor experience, explore the tropical hammocks of the Hugh Taylor Birch State Park on foot.

Then take a break and watch an Oscar-nominated movie at the historic Gateway Theatre. Get a glimpse of the good life by checking out the million-dollar yachts and homes on the city’s hop-on-hop-off water taxi.

9. Denver, Colorado

Average airfare: $279.99

Airbnb: $167

Local prices rank: 7

You don’t have to spend big to enjoy the Mile-High City.

For thrifty beer-drinkers, take the light rail to Golden, Colorado, and take a free tour of the Coors Brewing Co. It comes with free beer! And Denver is another beautiful city to enjoy a bike-share program for $9 a day. Make sure to see the lower downtown district.

Check out prehistoric history at Dinosaur Ridge for $8. A 25-minute drive will lead you to the awesome Red Rocks Park & Amphitheatre.

10. Los Angeles, California

Average airfare: $329.06

Airbnb: $145

Local prices rank: 9

My brother lives in Los Angeles, so I’ve personally visited this city on a budget a few times. It’s expensive, but there are fun, cheap things to do.

You could spend an entire day for free in Griffith Park. Check out the Griffith Observatory, then challenge yourself to the one-hour hike to the Hollywood sign. You get exercise and get to re-enact one of the best scenes in movie history at the observatory.

Then you can drive an hour to Santa Monica or Venice to check out those famous California beaches.

You’ll notice that most of the destinations see the biggest savings in January and February. So get booking.

Alex Mahadevan is a data journalist at The Penny Hoarder. He’s been saving for months to afford a trip to Iceland. But Chicago is looking pretty good…

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



source The Penny Hoarder http://ift.tt/2q0KZED

This New Rule Will Give Low-Income Families More Housing Options Next Year

Low-income families in 23 metro areas across the country will have better chances at finding housing in more affluent neighborhoods in the new year, thanks to a recent federal court ruling.

According to the Washington Post, a federal judge recently overturned the U.S. Department of Housing and Urban Development’s decision to delay implementing an Obama-era rule that would expand housing choices for families receiving Section 8 vouchers.

Currently, when most families receive Section 8 housing vouchers, the amount of money they get is based on rental prices averaged across an entire metro area. The subsidies typically aren’t enough for low-income families to afford to live in middle-class neighborhoods.

This leaves many families who rely on public housing assistance to live in “deeply segregated, high-poverty communities,” the Washington Post reported.

In Obama’s last weeks in office, HUD decided that, instead of basing housing vouchers on rental prices for an entire metro area, it would go by average rental prices in individual neighborhoods.

Essentially, a Section 8 recipient who wanted to move into a rental home in a pricier neighborhood would be granted a bigger government subsidy than a Section 8 recipient moving into a home in a less expensive neighborhood.

However, under Trump’s administration, HUD wanted to hold off on implementing this new ruling for about two years to provide more “time to fully understand its effects.”

But last week, a federal judge declared the delay was unnecessary and ordered the department to put the rule in place by Jan. 1.

This will give families with Section 8 housing vouchers more choices to find housing, including in more affluent neighborhoods where there are better job opportunities, lower crime rates and higher-rated schools.

Check out the Washington Post article for more information, including the list of 23 metro areas where the new rule will go into effect.

Nicole Dow is a staff writer at The Penny Hoarder.

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



source The Penny Hoarder http://ift.tt/2BUKNrE

Bloomin’ Onion or Coconut Shrimp? Outback Bowl to Decide Which Will Be Free

On New Year’s Day, the top college football team from the Big Ten Conference squares off against the top team in the Southeastern Conference for the Outback Bowl. This year, it’s the Michigan Wolverines vs. the South Carolina Gamecocks — and everybody should care.

Why? Because the winner determines which free appetizer you can get at Outback Steakhouse on Jan. 2.

There’s a lot on the line here, folks.

Outback Bowl Winner Determines Free Outback Steakhouse Appetizer

It’s an annual event at Outback Steakhouse: To honor its namesake bowl game, the restaurant chain offers up a free appetizer on Jan. 2. Just which appetizer is determined by the game itself.

It’s not just Michigan vs. South Carolina; it’s the Bloomin’ Onion vs. coconut shrimp.

If Michigan wins, you can get a free Bloomin’ Onion on Jan. 2 with any purchase. If the Gamecocks come out on top, the offer is valid for coconut shrimp instead.

If you’ve never had a Bloomin’ Onion, you’re missing one of the most iconic 1,950-calorie appetizers out there. SB Nation football writer Ryan Nanni likes them so much, he campaigned for nearly a year on Twitter to win the job of being the Bloomin’ Onion mascot for the game this year. Gotta love a man with a dream.

There’s no real hitch to this deal. You can watch the game at your local Outback if you want, but the deal doesn’t take effect until Jan. 2. Just make any purchase and you’ll get to enjoy your free appetizer, whichever one it is.

Bloomin’ Onion or coconut shrimp? Which is your winner?

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He’s rooting for Michigan because he comes from the land of the Big Ten and thinks coconut is just plain yucky. Catch him on Twitter at @Tyomoth.

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



source The Penny Hoarder http://ift.tt/2DxeQX9

Amazon Digital Day Is the Perfect Excuse for Binge-Watching (Today Only!)

It’s a digital world.

We stream our movies. We binge-watch entire seasons of our favorite TV shows. Our music and even many of our books come to use through the magic of the digital world.

And that’s great, especially since no one wants to go outside right now.

What’s even better is that today (and today only!) Amazon is having a mega-sale on all things digital.

Check Out These Digital Day Deals on Amazon

Thanks to Amazon’s annual Digital Day sale, there are sweet discounts and even free items available for the taking. What are some of the best deals? Check these out.

Video

Full seasons of cool TV shows like “Mad Men” or “Orange Is the New Black” are available for just $4.99. Sure, you can also find them on Netflix, but some things are so good you just want to own them.

Or, if you’re into movies, blockbusters like “Wonder Woman” and “War for the Planet of the Apes” are at least 50% off their regular prices.

Games

If you’ve been waiting to load up on some new video games, Digital Day has them. “NBA 2K18” is 33% off, and “Civilization VI” is 50% off the regular price. Be sure to check for the right format because PC games seem to be the most heavily discounted.

Stuff for Under $1

Amazon even has a page dedicated to digital deals under $1. You can sign up for Amazon music and get three months for just 99 cents. The dollar deals include graphic novels, books and a lot of games that are geared toward kids.

If you’ve been thinking about trying out Amazon’s audiobook service, Audible, now’s your chance. Thanks to Digital Day, you can get three free books when you sign up for your free trial instead of just one.

There are too many deals out there to list here, but if you’re into streaming, looking for new programs or ready to tackle a different game, it’s worth a look. The deals are legit, and in most of the country it’s too flippin’ cold to go outside anyway. Load up!

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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



source The Penny Hoarder http://ift.tt/2EfDkFt

How to Take and Edit Photos Without Hiring a Professional

No matter what type of business you have, you need to be using high quality images as a promotional tool.

You can distribute these pictures across all your marketing channels.

Share them on social media profiles such as Facebook, Instagram, and Twitter.

Add photos to your website to make it look more professional.

You can even send images to subscribers on your email marketing lists to make your messages more visually appealing.

Incorporate photos into your blog posts to break up the content and make it easier for people to read.

I like to use visuals in my blogs to illustrate what I’m talking about.

High quality images can add credibility to your website.

While there’s nothing wrong with using images you find online, nothing speaks to the customer like original photographs.

Taking your own photos means they are unique. Someone won’t be able to say,

“Oh, I’ve seen this picture somewhere else before.”

Ultimately, putting the perfect picture in the right place can help you generate more traffic and leads, which was identified as the top challenge for marketers in 2017.

image2 6

Here’s the problem, however. Professional photographers are not cheap.

Your company has enough expenses to worry about, so you shouldn’t be paying for a service you can do yourself.

The other problem I see is original images often look terrible.

That’s no good either. You don’t want any low quality images to be associated with your brand.

It looks unprofessional and will result in a negative perception by your current and prospective customers.

If you fall into one of the above categories, I can help.

I’ll show you the right tools to take and edit photos without spending much or needing to hire a pro.

Get the right equipment

You don’t need to spend thousands of dollars on camera equipment.

But you shouldn’t be taking pictures on one of those cheap disposable cameras either.

Find a middle ground.

A sufficient camera might just be in your pocket right now.

Currently, 77% of adults in the United States own a smartphone.

image1 6

As a business owner or marketing expert, you probably have a smartphone.

The cameras on the majority devices are fairly decent.

If you’re in the market for a new phone, it makes sense to get one with a great camera.

There are tons of online review websites, such as Tom’s Guide, that give you detailed information about various devices depending on what you’re looking for.

Here are some of the best devices in 2017 for different categories reviewed by their experts:

  • Best overall smartphone camera – iPhone X
  • Best features on a camera – Galaxy Note 8
  • Best camera for landscape photos – LG G6
  • Best camera for selfies and low-light images – Samsung Galaxy S8
  • Smartest phone camera – Pixel 2 XL
  • Best smartphone camera for videos – LG V30

These are good places to start looking.

But do some research on your own before making your purchase.

You may even own one of these devices already.

If you’d rather use a camera than a cell phone to take pictures, that’s fine too.

Here’s a comparison of some cameras ideal for beginner photographers:

image6 6

As you can see, the prices range from about $400 to $800, which is reasonable.

Professional photographers may be charging you more than that for a day’s work.

Brush up on some basic photography skills

Now that you’ve got a proper camera to take pictures with, you need to master some simple photography concepts.

Learn how to use the various tools and picture modes on your device.

For example, let’s say you’re using an iPhone to take pictures.

You’ll notice an option called “HDR Mode.”

HDR stands for high dynamic range. Here’s how you turn it on:

image4 6

When should you use it? For every picture?

The HDR mode works best for outdoor photographs and landscapes.

That’s because both of these usually have some bright as well as dark areas. Without the HDR mode, some details can get lost between the light and dark contrasts.

But it takes your camera longer to process HDR photos.

If you’re trying to take images in a rapid succession or photograph a moving object, you’ll want to keep the HDR mode off.

You also need to consider where you plan to take photos.

Conditions—whether inside, outdoors, in the sun, or in the dark—will dictate how you take them.

For example, it’s tough to capture an image if the sun is directly behind the subject.

Unless you have a professional camera, the picture will come out either super bright or too dark, depending on what you’re focusing on.

You also need to learn when it’s appropriate to use the flash on your camera.

The composition is important as well.

You need to understand how the subject should appear in your photo.

One of the most common photography concepts of composition is the rule of thirds:

image7 6

Imagine your camera frame is broken up into nine sections of equal sizes.

Some cameras have these horizontal and vertical guides to help with your composition.

You want to position your subject where those lines meet.

The example above has the subject positioned in the left third of the screen.

But let’s say you’re taking a picture of a landscape instead of a person or object.

In this case, you’ll want to align the horizon with the upper or lower third of the frame as opposed to the left or the right, like in this example:

image3 6

As you can see, this makes for a much more appealing picture.

Another basic photography tip is natural framing.

Let’s say you’re taking a picture of a building that has pillars or columns.

It makes more sense to position your subject between two pillars as opposed to in front of one.

Here’s an example of a bridge creating a natural frame:

image11 2

If you see the opportunity to capture a natural frame when you’re taking pictures, use it.

In the above example, pretend that the top of the image was cut off. It wouldn’t look as natural. But including the entire frame makes it appear more professional.

Something else you need to consider when you’re taking pictures is what you’re focusing on.

If you are photographing a person or specific subject, it’s imperative they are in focus.

Sometimes it’s a cool effect to have part of your photo in focus but the background blurry.

Photographs that have symmetry and patterns are visually appealing and professional-looking as well.

Check out this photo of the Taj Mahal:

image12

All the elements are symmetrical, and the building is still positioned in the top third of the picture, so it follows all the rules.

There are tons of other photography rules you can follow to make sure you’re taking great pictures, but following these is a good to place to start.

You can do some more research about photography basics or even take a class. Both of these options are considerably less expensive than hiring a professional.

Plus, it’s always beneficial to learn a new skill applicable to your business.

Use Canva

Once you’ve taken the pictures, you’ll need to edit them to minimize any imperfections, making them look as professional as possible.

Canva is an image editing tool. It’s one of the best options you’ll find online.

You can edit pictures directly on their website or download a mobile version of their software for your iPhone or iPad.

I like to use Canva because it’s super diverse.

You’re able to access many different features all in one place.

Canva has multiple templates for your images, depending on where you want to distribute them.

For example, do you promote your company with paid advertisements on social media or other mediums such as Google AdWords?

Canva ensures your image is sized appropriately depending on the type of advertisement you’re running.

image5 6

If you attempt to do this on your own, the image could be distorted, blurry, or even illegible. So it’s best to use professional editing software for this.

One of the best parts of Canva is it’s free.

You may encounter a couple of features that cost a few bucks to access, but you can do all your basic edits without having to pay for anything.

For those of you who want access to everything on the Canva platform, I’d recommend upgrading to their Canva for Work package.

It’s only $12.95 per month, and you can save over 20% if you pay for the full year upfront.

You can try it free for 30 days to see if it’s worth it.

Again, this is way more cost effective than hiring a professional photographer to edit your pictures.

Try PicMonkey

PicMonkey is another one of my favorite editing tools.

It’s really easy to use, and uploading your photos is a breeze.

They also have a mobile app in the Apple App Store and Google Play Store, so it’s perfect for both Apple and Android users.

If you’re taking pictures on your smartphone, it’s easy to edit them directly from your device without having to upload them to a computer.

PicMonkey has great photography tutorials.

They cover some of the basic concepts I discussed earlier and teach you how to use different functions of their software.

But overall, I think it’s pretty easy to use.

image10 3

These are the top features of PicMonkey:

  • editing tools
  • touch ups
  • collages
  • designs

It’s pretty much everything you could need to edit the photos you took on your own.

The collage tool is perfect for showcasing different products or features on your website.

You can create one simple image with a combination of the photos you took.

Here’s an example of a really cool collage on the Square website:

image8 5

You can create something similar for your business with PicMonkey.

Create infographics with Piktochart

Sometimes you don’t need to take a photograph to have an original image on your website.

Build an infographic.

It’s a great way to increase engagement on your website or blog.

In fact, people are 30 times more likely to read an infographic as opposed to plain text.

Infographics can also increase traffic to your website by 12%.

Visual content gets liked and shared on social media three times more than other types of content.

The Piktochart website has all the tools you need to create customized infographics.

image9 4

You can even use your own pictures as background images.

Find other ways to incorporate those original photos into your infographic so you’re not forced to use those cartoonish designs if that’s not your style.

They have a free membership for basic features.

You can also upgrade to a $15 per month or $29 per month plan with extra features.

But try the free version first to make sure you’re happy with it.

Conclusion

Unique photos can give your website, blog, emails, and social media pages the final touches that appeal to your customers.

You don’t need to hire a professional photographer to take and edit your photos.

That’s a waste of money.

You can do all of this on your own without spending much at all. It’s easy.

Just make sure you have the right equipment.

Get a smartphone that has a great camera. Or you can start off with an actual camera designed for amateur photographers.

Next, familiarize yourself with some basic concepts of photography.

Refer back to the points I outlined earlier as a guide for composition:

  • rule of thirds
  • natural frames
  • symmetry
  • focus

Once you’ve taken pictures, you can use editing tools on your computer, smartphone, or tablet to touch them up and make them look more professional.

Use tools such as Canva, PicMonkey, or Piktochart to get started.

Follow these tips, and you’ll be snapping and editing photos like a pro in no time.

What are some other tools you use to edit your photos like a professional?



Source Quick Sprout http://ift.tt/2Cj4vRu

6 Online Resale Shops That’ll Let You Turn Your Unwanted Clothes Into Cash

Truth time: My wardrobe embarasses me.

It’s not because I dislike the things I wear — it’s because I have so many things I don’t wear.

Since cleaning out my closet and attempting a capsule wardrobe experiment a couple of years ago, I’ve unfortunately regressed to my old ways — and by “old ways,” I mean my closet is overflowing with things I just don’t wear often enough. In fact, I would guess that at this point, about 60% of my wardrobe is simply taking up space.

But I’m ready to simplify again, and, in the process, I’m hoping to make a little extra money.

So, I’m heading to the internet (because my local consignment shops are — shall we say — choosy) and selling my clothes in an effort to earn back some of the money I’ve carelessly funneled right into my closet (again).

6 Places to Sell Your Clothes Online

These are the sites I’ll use to try and make a few extra bucks as I clear out my wardrobe:

Poshmark

Poshmark touts itself as a “fun and simple way to buy and sell fashion.” And while “fun” may be an accurate descriptor, “simple” really isn’t — but that’s not necessarily a bad thing.

You see, Poshmark is more than just an online platform for selling clothes — it’s a “social marketplace.” Rather than being a place where sellers can list an item, hope it sells and move along, Poshmark is powered by buyers and sellers who share fashion ideas and styling tips, browse each others’ “closets” and generally connect over clothing and fashion.

What Poshmark isn’t? A set-it-and-forget-it type of site.

In order to make sales on Poshmark, you need to upload quality photos, write thorough descriptions, offer style guidance, “attend” buying and selling events within the app, share and promote listings and interact with other users.

Some successful users even recommend doing things like investing in nice packaging or thank you cards to keep your ratings up and your listings more visible.

Buyers are allowed to negotiate prices, but you can choose to decline or accept an offer. For sales under $15, Poshmark takes a flat commission fee of $2.95. For sales of $15 or more, you’ll keep 80% of the profit. Once a sale is made, Poshmark will provide you with a pre-paid, pre-addressed shipping label.

All in all, Poshmark is a good option for anyone who’s willing to do a little (virtual) legwork.

thredUP

ThredUP is an online consignment and second-hand shop focusing on brand-name clothing for women and children — and it couldn’t be easier to use.

If Poshmark is the most involved clothing selling site on the market, thredUP might just be the least. Sure, your return may not be quite as big as if you steamed, photographed and listed each piece individually all while liking, commenting and sharing other people’s items, but for the lazy among us, thredUP couldn’t be more convenient.

Debra Wallace, the blogger behind the blog Zero, also notes the small return as a con of selling on thredUP. “Used clothing is not worth much,” she writes. “So if you’re looking to make more money, you’ll have to put in more effort” using other sites or brick-and-mortar stores.

For anyone who’s still on board, thredUP’s process is pretty simple: Go to the “Clean Out” tab on thredUP’s website and select “Order a Kit.” You can then choose whether you’d like to receive a standard clean out bag or an expedited one. (There’s also an option to just donate a bag of clothing, if you’d prefer to do that.) ThredUP will then send you a bag that you’ll fill with clothes, seal up and return for free with a prepaid shipping label.

ThredUP will then sort through your clothes, list the keepers on the site and, depending on which clean out option you chose, either recycle or return the unwanted items to you.

Depending on whether your items are highly trendy and in season or have a little more longevity to them, thredUP will determine whether to give you the money up front or when the item sells on consignment. Once your payout becomes available, you have to cash out via PayPal.

Swap.com

Swap.com is similar to thredUP in a lot of ways, except it also accepts and sells men’s clothes and even kids’ toys and a few household items.

To sell your unwanted clothing on Swap.com, you can either request an “inbound box” or simply print a prepaid shipping label to use for sending in your items. Once the company receives your items, it will price them, upload them to the site and send you your payout after your items sell.

Similar to thredUP, any items not accepted for resale will either be sent back to you or donated, depending on which option you choose.

This past summer, the company remodeled its commission structure (you can see more details here). If you’re looking to sell your wardrobe because you want to revamp your wardrobe, this is especially good news: When your items sell on Swap.com, you’ll receive a 10% higher payout if you opt to take the payout as store credit.

Instagram

If you’re an avid Instagram user, you’ve probably stumbled across more than one person selling their “closet” on the popular app. And while it’s a clunky interface for buying and selling (sales are done through the comments under photos and via direct messages), the return is pretty good because no commissions or fees are shaved off the top.

Still, selling your clothing on Instagram will take a bit of legwork on your part. You’ll have to know how to work the system (lucky you, we have some tips right here!), and you’ll have to go through the trouble of steaming (it helps), photographing and listing each piece individually. You’ll also have to be totally in charge of collecting payments and shipping the items.

All in all, though, it’s a great option for those who are willing to go the extra mile to make the extra dollar.

Tradesy

If you want to sell your clothes on a platform that’s just a little bit more seller friendly, (but still not quite as involved as Poshmark) Tradesy is the way to go. Tradesy says it deals primarily in designer and luxury items, but technically you can sell any brand from Xhilaration for Target to Gucci — and any item from purses to wedding gear.

To sell on Tradesy, all you have to do is take a few photos of an item (Tradesy will even do a little editing for you to make it look better), add a description and input a price. (Again, Tradesy is pretty helpful and will suggest a selling price if you’re at a loss.) When an item sells, you can use one of Tradesy’s complimentary shipping kits to ship the item at no cost.

Tradesy’s flat commission fee is a little steep: The company takes $7.50 of any item sold for under $50. If an item sells for $50 or more, Tradesy takes 19.8%.

The process is a little more involved than just loading up a bag and sending it off in the mail, but with a little bit of work, your payout can be pretty good as long as you’re selling at the right price point.

eBay

You thought we were going to leave eBay off this list for a second there, didn’t you?

But we couldn’t do that!

Even though it’s been around for quite some time (and sometimes has a reputation for being unwieldy or a little outdated), eBay is still a valid option when you’re selling clothing — especially when you’re looking to make a few bucks on something that isn’t necessarily a fancy name brand.

The selling process on eBay is pretty straightforward: Simply take a few photos of the item, list item details, decide between an auction-style or “buy it now” sale and wait.

Once an item sells, you’re in charge of packing and shipping it, although eBay allows you to create and print shipping labels on the platform to make the process simpler.

The fee structure is pretty seller-friendly, too. Listing or “insertion” fees are free for your first 50 listings per month. Additional listings will cost you 30 cents per item.

After an item sells, eBay will take a “final value fee” which is equal to 10% of the total amount of the sale (which includes the listing price, shipping fee and any additional charges).

If you need more help getting started selling on eBay, check out these tips and tricks for becoming a master eBay seller. Who knows, you might even make a business out of it!

Grace Schweizer is a junior writer at The Penny Hoarder.

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



source The Penny Hoarder http://ift.tt/2DuKPHh

The Frugality List

Not too long ago, I sat down and tried to figure out how much time each week I spend on things that are primarily done to save money.

Honestly, it’s kind of tricky to figure out what the exact line is. Is cooking a meal at home primarily done to save money? I decided that it wasn’t. However, is spending time on prepping a bunch of meals at once primarily done to save money? That’s tougher… I eventually decided that it was, because those meals are often used only on nights when we would otherwise eat out due to time constraints.

Anyway, what I eventually concluded is that I spend somewhere between five and ten hours a week on things that are done primarily to save money. In all honesty, that type of steady commitment of time is not too different from a small freelancing gig or a part time job.

I don’t spend that time in a conscious job-like way. I don’t block off hours for “frugality,” though I do sometimes plan my days for larger money-saving tasks (like meal prepping). Still, the hours do add up over the course of a week.

This realization led me to another one: when Sarah and I were first diving into our financial turnaround, we did treat it like a serious freelancing gig. During the first few months of our turnaround, I would estimate that we spent about 25 hours a week on money-saving tactics. This lasted for a few months, at which point the time investment dialed back to something like our current five to ten hours a week.

The first question people might ask is why.

Why would a person sacrifice that much of their spare time? To put it simply, most of these activities are ones that we do with our family or do on a lazy afternoon or early evening when the kids are playing and supper is in hand. In other words, these tasks fill in the low-hanging fruit – time we would probably spend playing a smartphone game or channel surfing or web surfing. If you contribute half an hour here or an hour there, it adds up pretty quickly to 5-10 hours per week (or more).

Why not use that time to earn more money instead? This is a bit trickier question. First of all, the returns from frugality are bigger than you expect because the savings is post-tax. If you improve your earnings, it’s a pre-tax increase, meaning you have to pay income taxes on it. You don’t owe income taxes on the savings from cutting your own spending – that savings goes straight in your pocket. Second, the impact of frugality is typically immediate; you can spend ten hours this week doing things and immediately see the savings in your checking account. When you put that time toward improving your earnings, you usually don’t see any return on that money for a long while. Even if you work at a part time job, you have to wait for the paycheck.

To tell the truth, my threshold for frugal tasks these days is that the activity needs to be saving me at least $10 per hour (or providing some other benefit) or it’s not worth my time. Remember, that’s post-tax savings, so it’s the equivalent of making $15 an hour or so, depending on one’s tax situation.

It’s also nice because I can choose when I spend time on frugality and what specific tasks I choose to take on. For example, if I don’t feel like washing freezer bags and drying them out right now, I don’t have to; they can wait. I can choose a different task for the moment. Similarly, if I want to play a game with my kids after school today instead of taking on a frugal task, I can do so. If I happen to suddenly have a spare hour, I can fill it with money-saving tasks. (Honestly, in some ways, it’s not that different than how I write.)

Here’s a nice workflow for getting into the practice of treating frugality like a freelancing gig.

Have a Frugality “List”

The first step in this process is to start creating a big list of frugal tasks that you might take on. Any task you might do to save money should go on this list, whether it’s something you might do every day or once a year or one time only, or whether it takes one minute or five minutes or an hour. If it’s an idea you have for a frugal task that would actually fit in your life, it should go on this list.

I maintain my frugal “list” in Evernote. It’s just a single note with a ton of ideas listed in it for frugal tasks I might do, one per line with a blank line between them. Because it’s in Evernote, I can easily retrieve it almost anywhere that I happen to be.

Don’t worry about the order or about anything else. Just make this a collection of things you could do to save money.

Here are 100 ideas to get you started. Just copy and paste that whole list into Evernote, then start deleting the descriptions and the ones that aren’t relevant. You’ll likely wind up with a list of twenty or so items that really match your life.

Once you have this list in place, whenever you come upon a nice little frugal project, just add it to your list. If you’re reading an article on The Simple Dollar and think to yourself, “That’s a good little idea,” just stick it on your frugality list and it’ll eventually come up.

When You Have Downtime, Turn to the List

Whenever you find yourself with a free moment, just fire up that list and look at the top item on the list. Is it something that makes sense right now? Do you have what you need to pull this off?

If this is something you can handle right now, do the task immediately. Maybe it’s something like making a batch of homemade laundry soap, which will take about ten minutes or so. Maybe it’s something longer, like air sealing a window. Maybe it’s something shorter, like making a batch of cold brew coffee.

Whatever the task is, do that task, then either delete that task (if it’s something you can just do once or can’t do again) or move that task to the bottom of the list.

If the task isn’t something you can handle right now, do whatever you need to do to make it possible to do that task the next time it comes up, then move that task to the bottom of the list.

For example, let’s say “make homemade laundry soap” comes up and you find yourself without borax. You just add borax to your grocery list, then move “make homemade laundry soap” down to the bottom of the list.

If a really big task comes up, like a “meal prep day,” schedule it. Pick an upcoming day where you could devote a few hours to that task and literally put it on your calendar. In the current moment, take care of any prep tasks that might need to be done to pull it off, such as putting together a plan and a grocery list for the meal prep day.

Just keep repeating this, over and over, as long as you have time to devote to these tasks. Whenever you find yourself out of time, just set the list aside for the moment and come back to it during your next window of free time.

In all honesty, this isn’t all that different than how I handle my own freelancing work, except that I devote several hours a day to it. I have an ongoing list of things to work on – article drafts, brainstorming, and so on – and I work on that list in time chunks that flex around other things in my life, like getting my kids ready for school or greeting them at the end of their school day.

Final Thoughts

This simple little strategy – creating a “frugality list” and processing it during your free time – makes time devoted to frugality very, very effective. If you’re selective about the tasks that you add to the list, it can be pretty lucrative, too. Just make sure that the things that you’re adding are tasks that produce a lot of value compared to the effort – things like airing up your car tires or air-sealing your window or doing a meal prep day. Those things are big wins and can save you much more than $10 per hour of effort. That way, whenever you process the list, you know you’re getting good value for your time.

Good luck!

The post The Frugality List appeared first on The Simple Dollar.



Source The Simple Dollar http://ift.tt/2pRrmyx

Worst Year Ever? Hardly. These Inspiring Stories Prove 2017 Had Good Moments

Top Healthy Dog Breeds: Adopt One of These to Save on Future Vet Bills