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الثلاثاء، 12 يونيو 2018

Hard Rock Cafe Is Giving Away 71-Cent Burgers… but Only for One Hour


My mom always made a fuss over birthdays.

Cake, balloons, streamers and ice cream were a guaranteed birthday party package.

Now my friends suffer from my relentless need to celebrate their — or my — annual born days.

Looks like Hard Rock Cafe feels the same way I do.

On Thursday, June 14, it’s throwing an international 47th birthday celebration complete with 71-cent Legendary Burgers.

The music memorabilia chain opened in 1971, hence the 71-cent deal.

How to Get a 71-Cent Hard Rock Cafe Burger

There’s a two-piece catch to this deal.

First, the 71-cent burger is available at participating locations worldwide for one hour only.

That’s right. This offer is only good from 11 a.m. to noon local time on June 14.

Additionally, many locations will only give the first 47 customers the special offer, so you might want to get there early to claim your birthday present.

Not sure if your location is participating or has a headcount limit on the deal? Just give it a call, or reach out on the official Facebook page so you know before you go.

Don’t forget to save room for the cake.

Stephanie Bolling is a staff writer at The Penny Hoarder. She has already planned out her next birthday party.

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.



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This Work-From-Home Job Is Ideal For Experienced Digital Ad Copywriters


If you love experimenting with different data-driven approaches to write compelling digital ads, then you need to check out this gig.

JustAnswer, an online source for people to ask questions of experts in various fields, is hiring a work-from-home advertising copywriter.

The ideal candidate is a seasoned digital marketer with three years of experience in optimizing paid search ads. This person will write copy for multiple pay-per-click ads across different marketing verticals and use data-driven approaches to maximize conversions.  

If you’re not interested in digital marketing check out our Jobs page on Facebook. We post new opportunities there all the time.

Ad Copywriter at JustAnswer

Pay: Not Specified

Responsibilities include:

  • Writing copy and manipulating extensions for pay-per-click ads at scale
  • Working with hundreds of keywords across a wide array of categories
  • Creating copy for customized landing pages to deliver an effortless user experience  
  • Using creative approaches to test multiple ad elements to drive return on advertising spending
  • Applying internal and industry metrics to data-driven copy decisions
  • Working with multiple teams to ensure brand quality and maximize conversions

Applicants for this position must:

  • Have at least three years experience optimizing paid search ads using large budgets across multiple verticals
  • Have experience creating full marketing campaigns tied to large-scale search engine marketing operations
  • Be able to write ad copy across multiple verticals, with flexible calls to action
  • Be able to craft creative but structured copy
  • Have an understanding of customers in a diverse e-commerce environment

Apply here for the ad copywriter position at JustAnswer.

Matt Reinstetle 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.



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Stories From Our Readers: How Joy finds automatic relief through automatic budgeting

“My goal with money has always been to not have to think about it. I’ve lived below the poverty line, and have had to pay attention to every dollar. I know plenty of people who spend their weekends seeing where they can cut costs or writing out expenses for the following week. I have nothing against that, if it works for them. But I’ve found that automatic budgeting helps us best.

Every so often, my husband and I sit down and do some collaborative thinking about our finances. Once we make decisions about where our money is going, we automate as much as possible. Our savings deductions are automatic. Our charity giving is automatic. Our bills are normalized (electric and gas are both balanced for the year) and automatic. We do use a credit card to balance out the lean and heavy months, but we don’t live on it. We budget with the idea that as long as we’re saving and consistent, everything else takes care of itself.

When we had debt, our payments were also automated. We wrote out our debt and the interest rate, compared to the time it would take to pay off, and drew up a strategy. We utilized a combination of debt stacking (paying off the highest interest rate first) and debt snowball (paying off the lowest amount first). We set the payments, and when one debt got paid off, we focused on the next one on the list. We are now debt free and planning on staying that way.

Even post-debt, my husband and I still used automated budgeting principles. Whenever either of us got a raise, we would slightly raise our individual spending allowance. We could also add some small standard of living increases like furniture or kitchen equipment upgrades. We’re now looking at options for how to be even more strategic and start investing.

Our strategy of automatic budgeting has provided a lot of relief for us. We don’t really think about finances more than once or twice a year. I think it’s most important for people to find their own strategies when it comes to handling debt and spending. While there’s not one method that fits all, budgeting can be worked into any lifestyle.”

-Joy
Lubbock, TX

The takeaways

  • Most recognize that budgeting is important, but starting your own might feel awkward — especially if you don’t think you’re as financially focused as others. The good thing about budgeting is there’s more than one right way to do it. Take a look at 5 simple budgeting methods that you can experiment with.
  • The road to financial independence takes turns that seem difficult at first, but turn out to be liberating. Challenging yourself to cut costs in areas where you haven’t before is a great way to open your budget. One example is cutting the cord on expensive cable bills. See our complete cord-cutting guide.

Submit your story

Personal finance can be difficult to navigate, and everyone’s story is different. This series is about sharing experiences of people just like you — the good and the bad — to empower the TSD community. Through your stories, voices will be heard, lessons will be learned, and wins will be celebrated!

Submit your story

The post Stories From Our Readers: How Joy finds automatic relief through automatic budgeting appeared first on The Simple Dollar.



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HubSpot Is Hiring Work-From-Home Customer Service Reps in the Western U.S.


Customer service experience? Check. An interest in technology? Got it. Currently live in a western state? You betcha’.

Sound like you? Then that’s not the wind in your ear — it’s these work-from-home, customer service jobs at HubSpot calling your name.

The business software company is currently hiring remote customer support specialists. Candidates must live in one of the following metro areas: Denver, Phoenix, Portland, Seattle or San Francisco.

As a customer support specialist, you will be responsible for tackling technical issues and providing software solutions. You’ll need to meet goals independently, so previous remote work experience is a big plus.

The hours and pay aren’t specified in the job listing. But according to Glassdoor salaries, this role has an average annual salary of $35,000.

If customer service gigs aren’t really your thing or HubSpot isn’t hiring in your area, it’s all good. Go check out our Jobs page on Facebook; we’re always posting new work-from-home job opportunities there.

Remote Customer Support Specialist at HubSpot

Pay: Not specified

Responsibilities include:

  • Helping HubSpot customers via phone, email and chat
  • Implementing successful inbound marketing and sales
  • Working with other team members to drive effective software solutions for customers
  • Documenting troubleshooting and problem-resolution steps to benefit the rest of the team

Applicants for this position must have:

  • At least one year of customer service experience — remote experience a plus
  • Excellent verbal and written communication skills
  • An affinity for problem solving
  • Ability to deliver results and meet goals independently and collaborate with a team
  • An interest in technology, marketing, sales and business growth

Apply here for the remote Customer Support Specialist job at HubSpot.

Kaitlyn Blount 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.



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I Tried to Make Money Online and All I Got Was This Nagging Feeling I Was Getting Scammed

Here at the Simple Dollar, we’ve covered many different ways to make side money using just a computer and an internet connection. This kind of work usually involves completing small assignments, taking surveys, doing online research, or getting paid to offer your opinion on a service. The jobs don’t pay a lot, but they promise ease and flexibility.

I’ve always been intrigued by these online “micro” jobs, so I decided to sign up for several of these services and check them out for myself. I wanted to know: How easy was this money, really?

Spoiler: Many of the popular sites in this realm are not reputable, and if your experience is anything like mine, you’ll likely end up wanting to smash your keyboard in frustration before you ever make a penny.

MicroWorkers

MicroWorkers is a site where you get paid to complete very short tasks, such as downloading apps.

Before you can do any work, you have to sign up and then take an “admissions test.” You have to pass this test in order to qualify to be a worker on their site.

The test asked very simple questions in the same style as an SAT english test. I had to read passages and analyze them, select the proper words to complete sentences, and choose between verb tenses so as to make sentences intelligible. It was incredibly easy, and I was done within five minutes.

But, there was a hiccup. I was told that I hadn’t completed the test in the required 10 minutes. I promise you, even though I’d bet my life it took me less than five. I tried again, this time answering the questions in under three minutes. Again, I was told that I’d taken too long.

I realized it would be a long, tedious, infuriating process just to get signed up for the site.

When I did some research and learned that their average job pays about 30 cents and takes 3 minutes, I gave up.

One final thing I noticed about this particular site, which gets almost a million visitors per month, is the large amount of open jobs that simply request that you retweet a particular tweet. Coming on the heels of the Cambridge Analytica scandal and the 2016 election, this should make you even more suspicious of how easily social media sites can get manipulated. Not every “popular” social media message got that way organically, that’s for sure.

Survey Junkie

Survey Junkie, as you probably guessed, pays you to take surveys.

After registering, I had to complete a series of questions so they could get to know me better.

What followed was roughly a million questions. They asked about my job, the size of my family, my ethnicity, if I have pets, where I live, what kind of things I buy, what kind of entertainment I consume, what kind of phone I have, what kind of clothes I wear, and on and on.

It’s overwhelming. I got fed up when they asked personal questions about my health history, as if I was filling out forms for a doctor’s visit. Who might they be giving this information to?

In the name of finding out if I’d ever be able to actually earn some money at the end of this long process, I answered honestly and soldiered on. I was done after about 20 minutes, and I was mercifully put through to a page that showed all the available surveys.

I clicked on the very first one listed, excited to finally earn some money. I then had to complete another round of “tell us every single thing about yourself, including everything you’ve ever bought or will buy or have ever thought of buying.” It was tiring, but I wanted that dollar!

Alas, it was not to be. After completing the survey, I was redirected back to the main page. There was no acknowledgement whatsoever that I’d just graciously shared my opinion for the last 15 minutes on everything from the last time I used CitiBank to whether I preferred dogs or cats. I was starting to highly doubt that this would be an efficient way to make money.

I think the most depressing part was figuring out that it would take about five hours of survey work to earn $10, which is the minimum amount required for a payout. So, even in the alternate universe where I could actually get paid for my work, it would be a long slog to see any benefit.

UserTesting

UserTesting is a site that comes up time and again in “how to make money online” internet searches. Of all the ones I’d tried to that point, I had the best feeling about this one.

As is implied in their name, UserTesting pays people to test out the user experience of websites or apps. They pay $10 each time you complete a set of tasks while speaking about your experience into the microphone of your computer or phone.

The idea was intriguing, and seemed easy enough. I’m a power user of websites and apps, I work in technology, and I like talking to people. I figured that I’d finally found a simple path to making some good money in my free time. Oh, how naive I was.

The first step toward becoming an approved user tester is to record yourself doing a test review. I had to download their proprietary software and I was warned to “close out any tabs that might have private information.” This is not a process for those who are distrustful of what tech companies are doing with your information.

After watching an intro video, I started my test. I had to find a map on a museum website and talk about my experience as I went along. I finished it all in about 15 minutes.

I was told that someone would review my video and that I would hear back in a couple days. That made sense, as I figured a human was watching the video and making a judgement call about whether or not I was a good candidate.

I was surprised to get an email six minutes after completing my test which informed me that I didn’t meet their requirements. I was very confused. There is no way a human had the time to evaluate my video. And what criteria did I fail on? There was no way of knowing, and no contact email to appeal my case.

I hung my head, opened a new tab, and tried another company.

Figure Eight

Figure Eight is a company that asks users to complete tasks so as to “tune machine learning models.” They had a clean website and an intuitive user interface, which gave me hope. Maybe this would finally be my breakthrough!

I gave them all my identifying information, confirmed my email by clicking on a link they emailed me, and then clicked around to find their available jobs.

My two options were: “Categorize Popular Product Names” and “Question and Answer Type Classification.”

The former paid three cents, the latter, four cents. So, I decided to go for the big bucks and classify some questions and answers — whatever that means.

Unfortunately, I never got to find out. When I clicked on the survey, it asked me to sign in again. I was already signed in, but so it goes. At this point I was half delirious from all my other experiences and was starting to lose my faith in humanity.

I entered my email and password, clicked submit, and was told that my username and password combination was invalid. I double checked the information that I had written down and used to sign up just seconds before, and entered it again. Denied. I tried several more times before giving up.

That elusive four cents would forever remain out of my reach.

Wonder

Wonder is a site that pays you to answer research questions.

In order to sign up, I had to give them my email, phone number and birthday. Following this, I told them my job, the subjects I’d be interested in researching, how much money I was hoping to make, and the days and times I would be available to work.

Finally, I was given an aptitude test where I had to answer SAT-type questions. They gave me a complicated science paragraph and asked me to summarize the conclusion, then I had to read sentences and fill in the blanks using proper grammar, before ending with some basic math questions.

I was told that they would get back to me in “a couple weeks.” Well, that was a month ago ago, and I haven’t heard a peep. I’m a Harvard grad with a strong research background, so I don’t think it’s because my skills weren’t up to snuff. Maybe they just don’t have enough work to go around? I’ll probably never know.

When I log in to the site, I’m met with a message telling me that my application is being processed and that they can’t answer individual emails about application status.

Another swing, another miss.

Just Answer

Just Answer is a site similar to Wonder, but with more of a focus on helping people with their homework.

The process of signing up for JustAnswer was like a part-time job in and of itself. I had to answer nine identity verification questions.

I had to fill out a full resume and also provide them with my Social Security number and address, which is frankly pretty sketchy. If you get nervous about sending your personal information into the nebulous void of the internet, this site is not for you. Praying that I’d finally be able to earn a few bucks, I gave them what they wanted.

I signed up as a homework expert, with a focus on helping people with writing assignments that were on average three pages long. I wrote hundreds of those in college, and I write for a living, so I figured I’d be a no-brainer candidate.

They said they’d get back to me in two weeks, but they never did. My follow up emails went unanswered.

RapidWorkers and ClickWorker

RapidWorkers and ClickWorker are both similar to MicroWorkers, where you get paid to complete short tasks.

They asked for a bunch of personal information, let me sign up, but then told me there were no jobs available. In both cases, when I logged out, I was unable to log back in.

Opinion Outpost

Opinion Outpost took the prize as having the most taxing sign up process of all. That’s saying something.

After registering with an email and a phone number, I was directed to fill out a “welcome survey.” I had to tell them an awful lot about where I live, what line of work I’m in, what my job responsibilities are, how much I earn, and more.

Next came an endless litany of questions about my buying habits. Things started to get psychological at the end. “Do you find shopping to be a calming experience?” I was asked. I wish there was an option to say, “No, but compared to this survey, anything would be calming.” Do you own a motorcycle? What kind of insurance do you have? Do you find military leaders trustworthy? What kind of shoes do you wear? Do you buy toiletries for your family? And on and on.

The most disheartening part was when I noticed the progress bar at the top of the survey. Every few questions the bar would advance, but then after a few more questions the bar would retreat. It was like working out with one of those cruel trainers who tells you, “Ten more pushups!” but then once you get to nine they say, “Okay, five more and you’re really done!”

After about 20 minutes, the welcome survey mercifully ended. I clicked the button that said it would take me to my first paid survey. I was not surprised to be met with a screen displaying this sentence: “There is nothing available right now, check back later.”

It didn’t say when. It didn’t say if my answers qualified me for work. Just “check back later.”

The only button to click at that point was the one that said “finish my profile.” Wait, didn’t I just do that? I clicked anyway, since I had no other options. At that point, I was logged out and asked to log back in.

I never did.

Do These Companies Just Want to Profit From Your Personal Information?

As someone who’s deeply immersed in the online advertising world at my day job, something about all these sites was making my spidey sense tingle. What if they’re just trying to collect information about you that they can then link to your email account and sell to third-party services? There are companies who will pay a pretty penny for such bundles. Let me explain how this could work.

As I detailed, all these sites collect basic personal information like your email address. Many of them also require a phone number, a physical address, or even a Social Security number. On top of that, several of them make you fill out insanely detailed questionnaires before you can try to start earning money.

Throughout all these steps, the websites tend to work smoothly. I have yet to experience any hiccups while giving them my personal information.

Then, when you try to actually take surveys or do user tests, things bog down considerably. You’re hit with error messages, “404 Not Founds,” and “try back again” laters. You’re told that someone will get back to you in two weeks. You are told. It all gives me the uneasy feeling that these sites are a whole lot more interested in collecting your data then in helping you make money.

Then, if you dig into their privacy policies, things get even more interesting. Hiding in the fine print, you’ll find stuff like this (from Survey Junkie): You hereby grant to Survey Junkie a perpetual, irrevocable, unlimited, transferable, sub-licensable, worldwide, royalty free, right and license to edit, copy, transmit, publish, display, create derivative works of, reproduce, modify, distribute, and otherwise use, modify, or distribute your User Content in any manner, without compensation or notice.

Whoa. Basically, they can do whatever they heck they want with your data, and they don’t have to pay you for it or tell you they are doing it.

Or how about this part of ClickWorker’s privacy agreement: You hereby consent to the disclosure of Your Personally Identifiable Information and other data as set forth in this Section 7 and in the Company’s Privacy Policy. For purposes of this Agreement, the term “Personally Identifiable Information” shall mean information which can be used to distinguish or trace Your identity, such as their name, Social Security number, biometric records, etc. alone, or when combined with other personal or identifying information…” (emphasis mine)

How would they even get a biometric record? Was ClickWorker going to ask for my fingerprints at some point? The whole agreement gives me the heebie jeebies.

There is also the issue of cookies. Most of the sites revealed to me, either via pop-up or hidden in their privacy notices, that they were tracking me via cookies. Cookies are small data files stored on your computer that the site uses to analyze your activity. Again, this information can be shared with or sold to third parties. They can tell advertisers about your browsing behavior in order to show you more compelling ads, for one thing. And the tracking doesn’t just end on their website. You take those cookies with you around the web, and the tracking continues.

To be clear, cookies are used widely across the internet. But given my experience with these sites, I am less than trusting of how they would be using the cookies they collect.

Finally, a couple of the sites I visited, some of which get hundreds of thousands of visitors per month, were not secure. Meaning, when I got to the site, I got the following warning from my Google Chrome browser (this is an example from JustAnswer, the site with 17 million monthly users who required I give them my Social Security number):

warning message

And when I logged into the aforementioned RapidWorkers, I got a “Not Secure” warning in the URL field.

As I’ve established, pretty much all these sites do is ask for sensitive information! If you’re going to wade into the murky waters of these micropayment jobs, make sure the site has proper security protocols in place. If you’re using Google Chrome, you can check this by making sure it says “Secure” in the top left corner of your browser’s URL field after loading a web page.

In the end, I couldn’t find anything online that confirmed or denied my hypothesis about these sites selling large quantities of user data. I maintain that it’s plausible. Selling data and emails is big business, and these sites position themselves perfectly to collect the maximum amount of user data possible.

If I’m right, all you are doing when you sign up for the vast majority of these sites is helping them make money off of the forms you fill out and the questions you answer.

Summing Up

I think the ultimate lesson here is that there’s no such thing as a free lunch. If you’re willing to put in a ton of time and effort, and give up a lot of personal information, then check every day to see if there is work available, well, maybe you can make a few bucks off these sites. You’ll definitely have earned it.

In my opinion, you’d be much better served using your free time to invest in yourself, get an online credential, learn new career skills, or sign up for a service that’s very well known and pre-vetted by millions of people, such as Amazon’s Mechanical Turk. Another surefire way to make side money would be to get a job in the gig economy at a massive company, such as driving for Uber or Lyft.

I left this whole experience feeling pretty down on the state of the micro-work economy. The only positive I can think of is that there’s a lot of room for improvement. Some intrepid, noble entrepreneurs will make a lot of money once they build versions of these sites that are not scammy and have good user experiences.

Until then, I advise you to not waste your time.

Related Articles:

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The Happy Life on the Path to Your Financial Goals

I’ve written many times about the value of having long-term goals and plans. Having long-term goals helps you to make choices in your day to day life that will guide you to the big outcomes that you want in life, such as debt freedom or a comfortable retirement or paying for your child’s college education. We all have different goals, but the principle is the same: A goal gives you a framework for your daily decisions and guides you toward daily decisions that will move you toward the big things you want in life.

The thing is, though, goals are extremely difficult to achieve if you’re unhappy with your daily life. When you are missing things that you need to thrive in your daily life, life becomes more about day to day survival and just getting from the morning through the afternoon and the evening than anything else. When you’re in that mode where you don’t relish your life, long-term goals seem impossible because you’re so focused on the bare mechanics of getting through the day.

The best way to achieve your financial goals is to have a life you’re happy with right now that simultaneously points you toward your goals. If you’re happy when you get out of bed in the morning, you have big goals in mind, and you’re making progress toward those goals, then you’ve got a much better chance of achieving the things you want out of life than if you wake up dreading work and dreading your day and feeling miserable about it.

I want to make it abundantly clear that I’m not talking about clinical depression or other diagnosable mental health issues. Those are serious matters that should be handled by an appropriate professional.

Instead, my focus is one simple thing: The best approach for any goal is to make sure you’re living a life that you really enjoy right now that is gradually leading down the path to that big goal you want. Without that day to day life that brings you contentment and happiness, you’re going to find it prohibitively difficult to achieve the things you want to achieve.

If you are trying to achieve a big goal in your life and you are unhappy on your path to achieving that goal, your chances of succeeding at that goal are incredibly slim. Your day to day life is telling you to stop and to do something else with your time and energy, and that’s like water eroding a beach – eventually, your willpower and discipline will give out. Instead, you have to find a path toward your goals that you’re happy with on a day to day basis.

So, how on earth do you do that?

An Example: Debt Freedom

Let’s say your big goal is getting out of debt. You relish the thought of having all of those debt bills be completely gone. That sounds absolutely amazing.

So, how do you get there from here? Obviously, the core of your strategy will have to be centered around spending less than you earn. If you’re spending as much as you earn or more than you earn, you are never, ever going to get your debts paid off.

Taking that as a given, that you need to spend a notable amount less than you’re earning each month, how do you build the best possible day to day life? There are a lot of approaches to that question.

For some people, it might center around throwing themselves into their career or their jobs. Some people deeply enjoy working and being productive and strive to earn more money. This might involve taking on a second job or a side gig, or simply pushing down the throttle a little on your current career path.

For others, frugality may be the key. Some people thrive by finding things that save money without disrupting ordinary life, like buying lots of store brands. Others may enjoy diving into frugal projects, like making meals in advance or installing weatherstripping. Still others might simply enjoy trying lots of free or super low-cost hobbies.

For me, it was a mix of elements. I started a side gig doing something I loved (writing). I threw myself into frugality, both in terms of doing very low impact things to save money and finding low cost things to do that I enjoyed.

The key, however, is to not keep plugging away with the same tactics when you’re miserable. You will fail, and that sense of failure will likely convince you that what you’re trying to do is essentially impossible.

12 Strategies for Finding the Happy Life on the Road to Your Financial Goals

So, how do you pull that off? How do you live a happy life while still spending significantly less than you earn so that you make real progress on your financial goals? Here are twelve strategies that actually work – I should know, because they’re how I’ve found happiness and contentment over the years while paying off tens of thousands of dollars in credit card debt, several car loans, tens of thousands of dollars in student loan debt, and a mortgage on a nice family home. We’re debt free today. Here’s how I managed to live a happy life through all of that, which helped me stay on track.

Automate your personal finance moves so that you’re not even thinking about them and have to live on what’s left. Choose a bank with robust online banking and make as many of your financial choices automatic as possible. Make your Roth IRA contributions automatic. Set up an automatic transfer into your savings account so you have an emergency fund. Pay your bills automatically and set up an additional automatic extra payment on whatever debt you’re trying to knock down.

You’ll want to keep an eye on things so that you’re aware of how much money you have left over. Part of this strategy revolves around living your day to day life on what’s still left behind in the account – not using credit cards and not overdrafting, either. This can be a learning experience.

However, having everything automatic means that the “path of least resistance” is healthy financial behavior, and you’ve got a lot of freedom regarding what’s left over in your checking account once all of the bills are paid. You can decide for yourself where that money goes with regards to things like food, household supplies, entertainment, clothing, and other such variable expenses.

When you’re feeling in the right mood for it, spend time doing things that will lower your future cost of living. I don’t feel like “being frugal” every day, but when I do, I like to take on things that I know are going to lower my cost of living in the future. Spending a couple of hours doing something frugal usually results in feeling good about the future and feeling as though I’ve accomplished something worthwhile.

There are many, many frugal projects you can take on that will cut your spending down the road. You can air seal your home. You can make some meals in advance. You can get your cell phone bill reduced or shop around for a better deal. You can shop around for better car insurance and renters or homeowners insurance. You can install LED lights throughout your home, putting them in any sockets that still have CFLs or incandescent bulbs. You can make a big homemade meal and save several small batches of leftovers. You can make a thorough meal plan and grocery list. You can clean out your fridge and pantry and plan things to do with all of the stuff you find. The list goes on and on and on.

You don’t have to spend all of your free time doing these things, but when you feel in the mood to do so and you take on one of these projects, you’ll feel good. What often causes negative feelings about frugality is when you force yourself to do these things when you don’t feel like it. Don’t!

However, I will suggest this: Reminding and nudging yourself to do ordinary things in a frugal way where there’s no extra time or energy cost is pretty much always a good thing on the road to your financial goals. Get used to buying store brand products, for example, and only switch away from them if they don’t work for you. Figure out the cheapest commute for yourself and use it every day. Those are ordinary practices that simply cut your spending without really changing anything else about your life and thus they’re pretty much always a net positive.

Dabble in lots and lots of low cost and free things to do and pay attention to what you truly enjoy (and what you don’t). There are countless low cost and free things to do out there in the world, and chances are you haven’t tried most of them in a fair way. If you find yourself ever edging towards being bored, simply make the conscious choice to go try out one of the abundant free or very low cost things there are to do in the world.

Here’s a quick list of things to try. These just scratch the surface.

Go on a hike. Start a natural collection of things you find while hiking. Go on a Wikipedia journey on a topic you’re interested in. Read a book from the library. Take a free online class. Write a journal entry. Go on a bike ride. Go to a free community concert. Attend a religious service. Go on a walk. Make an interesting meal or a food item. Volunteer for a political campaign. Volunteer at your local food pantry. Volunteer for Habitat for Humanity. Do some bodyweight exercises. Find something cool on Meetup and go. Take your child or your nephew or the child of a friend to a park and play with them. Learn how to solve a Rubik’s Cube.

I could go on naming these things for page after page, but you get the idea: there’s an abundance of low cost things to do and try out there in the world. So get out there and try them, even things you think might not be for you!

Yes, some of them will turn out to not be fun. That’s okay. Now you know about them and have made up your mind from experience. Move on to something else.

When you discover low-cost or free things you enjoy, dive deep. Some of the things you try will just click with you. That’s great! Dive deep into them. Build a huge rock collection out on the patio. Read a 12-book series this summer. Make 50 pounds of homemade sauerkraut and swap it with your friends. If you find one of these activities that really clicks with you, run with it. Try new things when the opportunity presents itself or you find yourself edging toward boredom with the other options.

Personally, I have a cycle of hobbies that come and go in my life. I’ll go through periods where I’ll devour books like a madman – two or three a week. I’ll go through periods where I’m obsessed with exercise, and then other times when I really get into long walks. I’ll make many batches of fermented foods, then I’ll grow bored with it. It’s cyclical, and when I start feeling bored, I move onto trying something new or back into something else I enjoyed in the past and am thinking about revisiting.

Between revisiting old low-cost hobbies and activities that I’ve enjoyed in the past, exploring new ones, and diving deep into ones I’m currently excited about, I really have no chance to be bored and I don’t have to spend much money to feel constantly engaged with plenty to do.

Spread out your treats a little, but don’t go without if it makes you feel unhappy and miserable. Some people envision a frugal life as being an endless wasteland of pleasureless living, a joyless life without any of the pleasures one once had. That type of mindset almost always leads to a backlash and a glut of overspending.

A much better approach is to not give up those treats, but to instead spread them out a little more. Instead of getting a cup of coffee every day, get one three times a week or so, or maybe even a little less often than that. Rather than going out for dinner three times a week, cut it back to a special treat one weeknight each week.

The advantage here is that you’re not giving up the treat, but instead just adding a little bit of anticipation time in front of each treat, so you have some time to anticipate it and think about it and look forward to it. Looking forward to a treat is quite fun, but if the treat becomes so routine that it’s just completely normal and you don’t actually have any anticipation, you’re losing some of the fun and spending more than ever.

There’s a perfect point that balances out those conflicting desires, where you enjoy a treat infrequently enough that it seems special and there’s some sweet anticipation, but it’s not so rare that you feel like you’re depriving yourself. Try to find that sweet spot and stick with it. On many things in life, we can find ourselves diving into a treat too frequently because we do enjoy it, but in doing so, we lose that wonderful anticipation, but the thought of cutting back is a visualization of the opposite extreme. Find that magic point in the middle where you enjoy a bit of anticipation but you don’t feel deprived. That’s the real sweet spot for getting the most out of your little pleasures.

Look for things about yourself that you’re happy with, and accentuate those in your day to day life. We tend to be much more prone to overspending when we’re not happy with ourselves. If a person has a sense of inadequacy about themselves, marketing tends to work very well because we want to believe that some product or service will make things better.

One of the key principles of stoicism is the idea that you have control over what you think about. You decide what occupies your mind and you decide how you respond to it.

If you carry that principle over to the problem of feeling inadequate, a pretty smart solution appears. Simply think about the positive aspects of yourself and accentuate them instead. Perhaps you’re unhappy with your job and with your weight, but you do think you’ve got a good sense of humor and are a good storyteller. Think of those things. Think of the joy you bring to others and to yourself when you tell a good joke or a story. Take pride in yourself as a storyteller and focus on that. Don’t waste your free time thinking about what isn’t right when there’s a lot that is right.

Accentuate your positives. Don’t stress about your negatives unless you’re actively working to change them and that’s part of your long term goals.

Look for things about others that you like, and accentuate those; diminish those factors and traits you don’t like. Just as you’re going to minimize financial costs by accentuating your positives and not worrying about your negatives unless you’re actively fixing them, do the same with other people. Look for the good things about them and make those good things your focus; don’t sweat the bad things.

How does this help with a happy life? It helps reinforce the truth that the people around you are good people. We live in a society where there is often an overarching sense that other people are somehow bad and not to be trusted. That creates a sense of negativity about the world and a spiraling sense of negativity about everything, which, as I mentioned earlier, makes people very prone to marketing messages. It also means a generally unhappy life, and for no real good reason. Yes, people out there might be different than you and they might not agree with you, but that doesn’t mean that they’re bad people. It just means they’ve lived a different life, experienced different things, and learned different ideas. That’s something to learn from, not something to fear and dislike.

Look for the good in others. Look at them as a source for learning about the world. Look for the good that they bring into the lives of others. You’ll have a happier life if you do.

Watch for moments where you’re thinking negative thoughts, then counteract them by intentionally looking for the positives in that situation. Again, it’s all about harnessing your mind to seek out positive thoughts, not just about yourself and not just about the people around you, but about everything in life. Even the worst situations can have silver linings, and even though that shouldn’t overwrite a difficult situation, it can make it seem a little less bad.

Just keep an eye on your mind for negative thoughts about anything and when you notice yourself thinking negative thoughts, try to look for the positives in whatever it is you’re thinking about. Think of two or three good things about whatever that negative thing is and see if it at least becomes somewhat positive in your mind.

I often do this when dealing with things like feeling worn out after exercise, or feeling as though I’m depriving myself of something I want. If I’m worn out after exercise, I think of the good I’ve done for my body and how I’ll genuinely feel a lot better over the next day or two and a little better over the long tail. If I’m feeling deprived, I’ll think about all of the things I already have in my life – and sometimes I’ll even treat myself a little, as discussed earlier.

Keep other areas of your life strong (without just throwing money at it and not actually making it better). If you find yourself becoming overly focused on one area of your life, you can let other areas of your life slip away from you. Make sure that you’re giving some time and energy to all areas of your life.

What are you doing for your health, for example? Are you eating good food? Getting a bit of exercise? Getting good sleep? Are you in a good state with all of your close relationships? Do you have an outlet for expressing your feelings, and do you use that outlet regularly? Are you giving some time each week (at the very least) to the hobbies you care about? Is your job going well? Do you have a good relationship with your boss, your coworkers, and your customers or clients?

While you’re working on your finances, you shouldn’t be neglecting those questions. They deserve answers, too, even if they’re not your main focus. Furthermore, if you start to let a few of them slide, you’re going to feel bad about the state of things in your life even if your finances are in great shape.

Consciously build up friendships that aren’t centered around “retail therapy” or other expensive activities. It can be hard to develop new relationships as an adult. Many of us continue to rely on relationships formed earlier on in our lives or spend social time with people of convenience, like coworkers or others in our field, but those friendships tend to last for only a season and then they drift away as people move and circumstances change.

In some ways, however, that transient nature can be an advantage. Rather than just hanging out with whoever’s convenient, put some effort into filtering those people a bit and then put effort into building genuine long-lasting friendships with a smaller group of them. I have an old coworker that I haven’t worked with in ten years that I met for lunch less than a month ago.

Invest that effort. Seek out people already in your life – coworkers, people at your church, people in the professional and social groups you participate in – who seem to share many of your goals and at least some of your interests. Build up a friendship with them. Invite them for coffee. Have them over for dinner. Help them with a project. Be there whenever they need a hand. You’ll be glad you did.

Start each morning by thinking about five things you’re grateful for, and think about how great those things are for 30 seconds each. This is a simple little practice to start your day that makes a surprising difference. You can do it while you’re getting dressed in the morning or taking a shower or even brushing your teeth. (I often do it while brushing my teeth – I have a toothbrush that vibrates every 30 seconds while brushing, so I think about one thing I’m grateful for between the vibration.)

Just think of five things you’re grateful for. When one comes to mind, think about how great it is for thirty seconds or so, then think of another one. When you’ve done that five times – literally two and a half minutes of thought – you’re done.

There’s no right or wrong answer. Just think of things you’re grateful for in your life. Maybe it’s someone you love. Maybe it’s something good that happened to you. Maybe it’s something like warm sun on your skin or green grass under your toes.

It seems simple, but what I’ve found time and time again is that it contributes a level of contentment to my life that isn’t there if I don’t do this regularly. If I start the day feeling good about what I do have, it is far less likely that I begin feeling bad about what I don’t have later in the day.

Focus on experiences and achievements over possessions. Rather than focusing on the size of your book collection, focus on adding to the list of books you’ve read. Rather than focusing on having more and more clothes, figure out smart ways to mix and match the things you do have. Rather than having a huge amount of camping equipment that you’ll barely use, go on lots of weekend camping trips with minimal gear.

In other words, focus on experiences over stuff.

I keep a list of books I’ve read. That fills me with far more pride than a shelf full of books and it’s far less expensive thanks to the library. I keep a list of places I’ve camped. My screensaver consists of pictures of places I’ve hiked to and I love adding new pictures. We have a sizable “found” rock collection in our front garden. Those things are collections, sure, but they’re all based on experiences and they involve very little spent money.

Keep your attention and focus on the things you’ve experienced and achieved. Don’t worry about accumulating stuff.

Final Thoughts

The path to financial success is a long one. If you’re unhappy with your day to day life along that path, you’re going to constantly find reasons to undermine your attempts at financial success. It’s much harder to find those reasons if you’re happy with the state of things in your life.

So, start by making your day to day life as happy as possible. Focus on finding things to do that you enjoy that don’t sap your money. Master some basic mental techniques for seeing the positives above the negatives in yourself, the people around you, and the day to day routine of your life.

What you’ll find is a more content life, and it’s that contentment that will help you stay on the path to financial success.

Good luck!

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How Transgender Surgery Changed His Life and the Way He Saves Money Forever

I Tried to Make Money Online and All I Got Was This Nagging Feeling I Was Getting Scammed

Here at the Simple Dollar, we’ve covered many different ways to make side money using just a computer and an internet connection. This kind of work usually involves completing small assignments, taking surveys, doing online research, or getting paid to offer your opinion on a service. The jobs don’t pay a lot, but they promise ease and flexibility.

I’ve always been intrigued by these online “micro” jobs, so I decided to sign up for several of these services and check them out for myself. I wanted to know: How easy was this money, really?

Spoiler: Many of the popular sites in this realm are not reputable, and if your experience is anything like mine, you’ll likely end up wanting to smash your keyboard in frustration before you ever make a penny.

MicroWorkers

MicroWorkers is a site where you get paid to complete very short tasks, such as downloading apps.

Before you can do any work, you have to sign up and then take an “admissions test.” You have to pass this test in order to qualify to be a worker on their site.

The test asked very simple questions in the same style as an SAT english test. I had to read passages and analyze them, select the proper words to complete sentences, and choose between verb tenses so as to make sentences intelligible. It was incredibly easy, and I was done within five minutes.

But, there was a hiccup. I was told that I hadn’t completed the test in the required 10 minutes. I promise you, even though I’d bet my life it took me less than five. I tried again, this time answering the questions in under three minutes. Again, I was told that I’d taken too long.

I realized it would be a long, tedious, infuriating process just to get signed up for the site.

When I did some research and learned that their average job pays about 30 cents and takes 3 minutes, I gave up.

One final thing I noticed about this particular site, which gets almost a million visitors per month, is the large amount of open jobs that simply request that you retweet a particular tweet. Coming on the heels of the Cambridge Analytica scandal and the 2016 election, this should make you even more suspicious of how easily social media sites can get manipulated. Not every “popular” social media message got that way organically, that’s for sure.

Survey Junkie

Survey Junkie, as you probably guessed, pays you to take surveys.

After registering, I had to complete a series of questions so they could get to know me better.

What followed was roughly a million questions. They asked about my job, the size of my family, my ethnicity, if I have pets, where I live, what kind of things I buy, what kind of entertainment I consume, what kind of phone I have, what kind of clothes I wear, and on and on.

It’s overwhelming. I got fed up when they asked personal questions about my health history, as if I was filling out forms for a doctor’s visit. Who might they be giving this information to?

In the name of finding out if I’d ever be able to actually earn some money at the end of this long process, I answered honestly and soldiered on. I was done after about 20 minutes, and I was mercifully put through to a page that showed all the available surveys.

I clicked on the very first one listed, excited to finally earn some money. I then had to complete another round of “tell us every single thing about yourself, including everything you’ve ever bought or will buy or have ever thought of buying.” It was tiring, but I wanted that dollar!

Alas, it was not to be. After completing the survey, I was redirected back to the main page. There was no acknowledgement whatsoever that I’d just graciously shared my opinion for the last 15 minutes on everything from the last time I used CitiBank to whether I preferred dogs or cats. I was starting to highly doubt that this would be an efficient way to make money.

I think the most depressing part was figuring out that it would take about five hours of survey work to earn $10, which is the minimum amount required for a payout. So, even in the alternate universe where I could actually get paid for my work, it would be a long slog to see any benefit.

UserTesting

UserTesting is a site that comes up time and again in “how to make money online” internet searches. Of all the ones I’d tried to that point, I had the best feeling about this one.

As is implied in their name, UserTesting pays people to test out the user experience of websites or apps. They pay $10 each time you complete a set of tasks while speaking about your experience into the microphone of your computer or phone.

The idea was intriguing, and seemed easy enough. I’m a power user of websites and apps, I work in technology, and I like talking to people. I figured that I’d finally found a simple path to making some good money in my free time. Oh, how naive I was.

The first step toward becoming an approved user tester is to record yourself doing a test review. I had to download their proprietary software and I was warned to “close out any tabs that might have private information.” This is not a process for those who are distrustful of what tech companies are doing with your information.

After watching an intro video, I started my test. I had to find a map on a museum website and talk about my experience as I went along. I finished it all in about 15 minutes.

I was told that someone would review my video and that I would hear back in a couple days. That made sense, as I figured a human was watching the video and making a judgement call about whether or not I was a good candidate.

I was surprised to get an email six minutes after completing my test which informed me that I didn’t meet their requirements. I was very confused. There is no way a human had the time to evaluate my video. And what criteria did I fail on? There was no way of knowing, and no contact email to appeal my case.

I hung my head, opened a new tab, and tried another company.

Figure Eight

Figure Eight is a company that asks users to complete tasks so as to “tune machine learning models.” They had a clean website and an intuitive user interface, which gave me hope. Maybe this would finally be my breakthrough!

I gave them all my identifying information, confirmed my email by clicking on a link they emailed me, and then clicked around to find their available jobs.

My two options were: “Categorize Popular Product Names” and “Question and Answer Type Classification.”

The former paid three cents, the latter, four cents. So, I decided to go for the big bucks and classify some questions and answers — whatever that means.

Unfortunately, I never got to find out. When I clicked on the survey, it asked me to sign in again. I was already signed in, but so it goes. At this point I was half delirious from all my other experiences and was starting to lose my faith in humanity.

I entered my email and password, clicked submit, and was told that my username and password combination was invalid. I double checked the information that I had written down and used to sign up just seconds before, and entered it again. Denied. I tried several more times before giving up.

That elusive four cents would forever remain out of my reach.

Wonder

Wonder is a site that pays you to answer research questions.

In order to sign up, I had to give them my email, phone number and birthday. Following this, I told them my job, the subjects I’d be interested in researching, how much money I was hoping to make, and the days and times I would be available to work.

Finally, I was given an aptitude test where I had to answer SAT-type questions. They gave me a complicated science paragraph and asked me to summarize the conclusion, then I had to read sentences and fill in the blanks using proper grammar, before ending with some basic math questions.

I was told that they would get back to me in “a couple weeks.” Well, that was a month ago ago, and I haven’t heard a peep. I’m a Harvard grad with a strong research background, so I don’t think it’s because my skills weren’t up to snuff. Maybe they just don’t have enough work to go around? I’ll probably never know.

When I log in to the site, I’m met with a message telling me that my application is being processed and that they can’t answer individual emails about application status.

Another swing, another miss.

Just Answer

Just Answer is a site similar to Wonder, but with more of a focus on helping people with their homework.

The process of signing up for JustAnswer was like a part-time job in and of itself. I had to answer nine identity verification questions.

I had to fill out a full resume and also provide them with my Social Security number and address, which is frankly pretty sketchy. If you get nervous about sending your personal information into the nebulous void of the internet, this site is not for you. Praying that I’d finally be able to earn a few bucks, I gave them what they wanted.

I signed up as a homework expert, with a focus on helping people with writing assignments that were on average three pages long. I wrote hundreds of those in college, and I write for a living, so I figured I’d be a no-brainer candidate.

They said they’d get back to me in two weeks, but they never did. My follow up emails went unanswered.

RapidWorkers and ClickWorker

RapidWorkers and ClickWorker are both similar to MicroWorkers, where you get paid to complete short tasks.

They asked for a bunch of personal information, let me sign up, but then told me there were no jobs available. In both cases, when I logged out, I was unable to log back in.

Opinion Outpost

Opinion Outpost took the prize as having the most taxing sign up process of all. That’s saying something.

After registering with an email and a phone number, I was directed to fill out a “welcome survey.” I had to tell them an awful lot about where I live, what line of work I’m in, what my job responsibilities are, how much I earn, and more.

Next came an endless litany of questions about my buying habits. Things started to get psychological at the end. “Do you find shopping to be a calming experience?” I was asked. I wish there was an option to say, “No, but compared to this survey, anything would be calming.” Do you own a motorcycle? What kind of insurance do you have? Do you find military leaders trustworthy? What kind of shoes do you wear? Do you buy toiletries for your family? And on and on.

The most disheartening part was when I noticed the progress bar at the top of the survey. Every few questions the bar would advance, but then after a few more questions the bar would retreat. It was like working out with one of those cruel trainers who tells you, “Ten more pushups!” but then once you get to nine they say, “Okay, five more and you’re really done!”

After about 20 minutes, the welcome survey mercifully ended. I clicked the button that said it would take me to my first paid survey. I was not surprised to be met with a screen displaying this sentence: “There is nothing available right now, check back later.”

It didn’t say when. It didn’t say if my answers qualified me for work. Just “check back later.”

The only button to click at that point was the one that said “finish my profile.” Wait, didn’t I just do that? I clicked anyway, since I had no other options. At that point, I was logged out and asked to log back in.

I never did.

Do These Companies Just Want to Profit From Your Personal Information?

As someone who’s deeply immersed in the online advertising world at my day job, something about all these sites was making my spidey sense tingle. What if they’re just trying to collect information about you that they can then link to your email account and sell to third-party services? There are companies who will pay a pretty penny for such bundles. Let me explain how this could work.

As I detailed, all these sites collect basic personal information like your email address. Many of them also require a phone number, a physical address, or even a Social Security number. On top of that, several of them make you fill out insanely detailed questionnaires before you can try to start earning money.

Throughout all these steps, the websites tend to work smoothly. I have yet to experience any hiccups while giving them my personal information.

Then, when you try to actually take surveys or do user tests, things bog down considerably. You’re hit with error messages, “404 Not Founds,” and “try back again” laters. You’re told that someone will get back to you in two weeks. You are told. It all gives me the uneasy feeling that these sites are a whole lot more interested in collecting your data then in helping you make money.

Then, if you dig into their privacy policies, things get even more interesting. Hiding in the fine print, you’ll find stuff like this (from Survey Junkie): You hereby grant to Survey Junkie a perpetual, irrevocable, unlimited, transferable, sub-licensable, worldwide, royalty free, right and license to edit, copy, transmit, publish, display, create derivative works of, reproduce, modify, distribute, and otherwise use, modify, or distribute your User Content in any manner, without compensation or notice.

Whoa. Basically, they can do whatever they heck they want with your data, and they don’t have to pay you for it or tell you they are doing it.

Or how about this part of ClickWorker’s privacy agreement: You hereby consent to the disclosure of Your Personally Identifiable Information and other data as set forth in this Section 7 and in the Company’s Privacy Policy. For purposes of this Agreement, the term “Personally Identifiable Information” shall mean information which can be used to distinguish or trace Your identity, such as their name, Social Security number, biometric records, etc. alone, or when combined with other personal or identifying information…” (emphasis mine)

How would they even get a biometric record? Was ClickWorker going to ask for my fingerprints at some point? The whole agreement gives me the heebie jeebies.

There is also the issue of cookies. Most of the sites revealed to me, either via pop-up or hidden in their privacy notices, that they were tracking me via cookies. Cookies are small data files stored on your computer that the site uses to analyze your activity. Again, this information can be shared with or sold to third parties. They can tell advertisers about your browsing behavior in order to show you more compelling ads, for one thing. And the tracking doesn’t just end on their website. You take those cookies with you around the web, and the tracking continues.

To be clear, cookies are used widely across the internet. But given my experience with these sites, I am less than trusting of how they would be using the cookies they collect.

Finally, a couple of the sites I visited, some of which get hundreds of thousands of visitors per month, were not secure. Meaning, when I got to the site, I got the following warning from my Google Chrome browser (this is an example from JustAnswer, the site with 17 million monthly users who required I give them my Social Security number):

And here’s what I saw when logging into the aforementioned RapidWorkers:

rapidworkers screen shot scam

As I’ve established, pretty much all these sites do is ask for sensitive information! If you’re going to wade into the murky waters of these micropayment jobs, make sure the site has proper security protocols in place. If you’re using Google Chrome, you can check this by making sure it says “Secure” in the top left corner of your browser’s URL field after loading a web page.

In the end, I couldn’t find anything online that confirmed or denied my hypothesis about these sites selling large quantities of user data. I maintain that it’s plausible. Selling data and emails is big business, and these sites position themselves perfectly to collect the maximum amount of user data possible.

If I’m right, all you are doing when you sign up for the vast majority of these sites is helping them make money off of the forms you fill out and the questions you answer.

Summing Up

I think the ultimate lesson here is that there’s no such thing as a free lunch. If you’re willing to put in a ton of time and effort, and give up a lot of personal information, then check every day to see if there is work available, well, maybe you can make a few bucks off these sites. You’ll definitely have earned it.

In my opinion, you’d be much better served using your free time to invest in yourself, get an online credential, learn new career skills, or sign up for a service that’s very well known and pre-vetted by millions of people, such as Amazon’s Mechanical Turk. Another surefire way to make side money would be to get a job in the gig economy at a massive company, such as driving for Uber or Lyft.

I left this whole experience feeling pretty down on the state of the micro-work economy. The only positive I can think of is that there’s a lot of room for improvement. Some intrepid, noble entrepreneurs will make a lot of money once they build versions of these sites that are not scammy and have good user experiences.

Until then, I advise you to not waste your time.

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How This Guy Forged Business and Art Into a Welding Career and a Company