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Cool Services You Should Consider Using

STASH Invest

Stash is an app you can get from either the Apple app store or Google Play.  Stash allows you to invest in individual stocks, bonds and low cost ETFs with as little as $5.

You can also get a STASH debit card to make the service even easier. The debit card allows you to activate their Stock Back service where you can spend your money and get a percentage back in Stock.

You can setup an IRA or Roth IRA, custodial accounts for your children or just use one of their creative service like Round-Ups that will save your spare change every time you make a purchase and put that into the stock market for you.

Cool Features of Stash Invest

  • Debit Card with optional Stock Back option
  • You can add money directly from you bank account or add money at anyplace that lets you add money to reloadable cards like Walgreens or CVS
  • At a glance you can see how your investments are performing
  • Earn money by referring others to the program (Contact us here and request a referral code for an additional $5 when you sign up)

Cons

There is a $1 fee (fairly low cost for what they offer, but it isn’t a pro so…)

 

 

Making More

The Best Side Jobs and Gigs To Make Extra Money

Pizza boy

There are an abundance of side jobs and gigs out there to make extra money every month.

Whether your looking to pay down debt or get your investment to a level where your going to be able to retire early. There are many reasons to go out and earn more money.

After reading this article you will have an idea of how to increase your earnings and achieve your goals.

Pizza Delivery

  • Most pizza joints are looking for delivery drivers all the time.  We live in a convenience economy and delivery is getting more popular every day.
  • Perks of being a delivery driver
  • They hire quickly so you will be making extra money almost instantly.
  • You get free pizza when you work.
  • People tip pretty well with an average tip of $5
  • Pizza delivery drivers are paid hourly, by the mile and with tips, you can make over $20 an hour delivering pizza.
  • They are happy to let you work 2 or 3 days a week.

Overall I think this is one of the best side jobs someone can get. It’s easy, flexible and honestly a fun environment to work in.  You can also look at the other places offering delivery services like Jimmy Johns, or the local Chinese restaurant.

Uber

Uber is a great side gig because it’s the ultimate flexibility. You can drive any time you want!

The Pros:

  • Drive whenever or where ever you want.  Check out my case study of driving early in the morning.
  • You get tips
  • Uber gives the option to instantly deposit your cash into your account. Drive for a hour or two before going out for the night and you’ve covered your cost already.
  • You can use it when your in a pinch and need cash quickly.

Cons:

  • The pay has continually decreased.
  • You have to deal with strangers in your car.
  • You don’t know where your trip is going to take you, so you could end up driving a long ways in a direction you don’t want to go.
  • Sometimes it can be very slow and you don’t make much money.
  • Wear and tear on your vehicle.

This option is a good one. If your even thinking of doing it I’d recommend getting set up with Uber now so when you want to, you can just go out instead of waiting for approval.

Valet Driver

There are many places places that offer valet for their customers.  But the most common are restaurants and hotels.

If you are wanting to be a valet driver in the morning you will make the most money at a hotel.  Guests are leaving and leave bigger tips for the guy who brings them their car then for the guy who they drop it off with.

If your thinking the evenings are for you then the restaurants are where you’re going to make the money.

Valet drivers typically make a lower than minimum wage hourly pay but make up for it with tips.  I was a Valet driver in college and could make between $20 and $100 per night, it really will vary.

The Pros:

  • You get to drive a variety of cars; once customer will show up in a beat up Honda Civic, then the next will have a Mercedes G Wagon.
  • You get really good and parking in small places.
  • It’s easy.
  • People you work with will usually be pretty laid back.

The Cons:

  • It can be slow and you will go home with $15 after 4 hours some nights.
  • If the weather is bad, you in it till your shift is over.
  • It’s weekends where your going to make you money, so kiss those good bye.

Valet driving is another high turnover job where you can get hired quickly, make some extra cash when you need to and have some fun while doing it.

For anyone reading this, PLEASE tip the drivers when you drop off your car AND pick it up, they are different people and only one of them is making the money if you don’t. Thanks 🙂

 

Farmers Markets

Many vendors are looking for help on on just one or two days per week at their farmers market stands.  You can often make pretty good money working only one day per week.  This is a good option if you’re just looking for a little extra money to pay down a student loan or credit card.

Conclusion

I’ll be adding more to this article shortly. If there is a side job or gig that has worked great for you leave it in the comments and we’ll add it to the article.

Day to day finance

How Warren Buffett REALLY Made His Money

Warren Buffett.  So many people talk about this guy like he is the greatest investor in the world, and he might be.  Just in a different way than you’ve heard.

You’ve probably read ALL about:

compound interest

value investing

index funds

Getting rich slowly and more.

Think about it for a sec, did Warren turn 59 and cash out his 401k and Roth IRA after he was frugal his whole life and put away all his extra pennies??

No!

See there are a lot of myths about Warren Buffett.

  • He’s a value investor (he isn’t).

  • He’s a nice guy (he might be but the public “niceness” that we see is a persona).

  • He’s a long-term investor (he isn’t always).

  • He made all his money from investing (he didn’t).

  • He’s a straight shooter (he’s not).

And he’s not your grandpa.

First he ran a hedge fund and collected a lot of fees (A LOT OF FEES)

Next he bought a few small banks. which make more money when you think about it.

After that, he ran an insurance company. The grand daddy of them all.

So what, he was good at running companies. Yeah pretty much. But he was strategic and always made sure he got a great deal.

See how he really came to own Berkshire Hathaway, how he WORKED OVER Goldman Sachs and ALWAYS get the best deal in the rest of the article by James Altucher.

Saving More

Using Google Chrome To Save Money

Do you use Chrome to browse the web?

Most people do! Chrome is the second most used internet browser in the world, only being beat by Safari for Iphone.  That’s a lot of Iphones!

So how do you use Google Chrome to save money?

Chrome extensions

the google web store

Head over the the Google Chrome web store at https://chrome.google.com/webstore/category/extensions

There are two extensions in particular you want to look for:

Honey

Honey will notice when you’re shopping online and knows all of the coupon codes for pretty much everything on the internet.

Say you’re shopping on the Macy’s website for a new pair of jeans, Honey will load a coupon code at checkout and save you between 1 – 20%

honey chrome extension showing discounts

 

As you shop online you will be surprised at how much you can save by using Honey.  Check out the website for more info

Retail Me Not

The next best Chrome extension to look for is from Retail me not.

Retail Me Not chrome extension

Retail me not has coupon codes and cash back offers from all over the web.  I’m sure you have heard of their website, but the Chrome extesion is FAR more convenient and packs all the benefits.

Do you know of any other extensions?  Let us know in the comments and we’ll add it to the list!

 

Making More

How To Get Rich | According To Mark Cuban

Mark Cubans 9 rules to getting rich

Here at Money That Counts We like analyzing people that are great with money. Naturally, we wanted to do a post on Mark Cuban. I mean, he is a billionaire.  Everyone knows who he is, he owns the Dallas Mavericks and is one of the infamous “Sharks” on the tv show Shark Tank, where he has invested in companies like Simple Sugars and Ten Thirty One Productions.

I’ve always thought of him as the cool shark, and figure he has some advice worth listening to. He recently made a video with Vanity Fair and gave his top 9 tips to getting a little richer.

Check below the video for our infographic and let us know what you think?

What to know how people are making several hundred Dollars a day in the Cryptocurrency markets? Watch this video by my friend Cryptogirl – Watch the video

I especially agree with the following:

Invest in the cheapest index fund that matches the market.

If you haven’t started investing yet you can open an account with an investment bank or download an app like Stash and start now with just $5.

Negotiate Using Cash

I’ve made an effort to try to negotiate when possible.  Even just asking for a discount at fast food restaurants or the hardware store have gotten me coupons and discounts I didn’t know were available.

 

Buy Consumables in Bulk or When On Sale

I shop at Costco about once a month and get cheap foods like freezer burritos and huge amounts of paper towels and toilet paper.  If you know you’re going to use it, you may as well buy in mass quantity to save some cash.

Amazon is great too, sometimes even better than Costco.

This deal is less than $1 per roll!

What money saving tips do you have? Let us know in the comments!

Day to day finance

The App Only Bank Takeover

Cell phone and credit card for mobile banking

All over the world app only banking is taking over.

This is exciting news for a younger generation like me and you.

With more banking options available, they have to compete with each other for our business.  That means we’re getting more benefits by moving to the competition. Some banks are including:

  • no overdraft or late fees
  • higher interest earned on our savings
  • no ATM fees for when you need cash
  • no credit checks or approvals needed
  • better loan terms

and the list goes on and on.

Are App Based Banks Safe?

Absolutely! These new banking options are insured in the same way brick and mortar banks like Bank Of AMerica and Wells Fargo are.  You have just as much protections with all the new banks, but you may want to do a little Googling to check on reviews and verify they are insured.

What app based banks are there?

Stash

Stash started as a way to invest in the stock market without paying fees.  They allow you to start with just $5 too! They are about to launch their banking option.  If you’d like an extra $5 for signing up message me your phone number and I’ll send you a code.

Simple

Simple is a great option because they offer you 2% interest on you money and have extra features that help you save more money.

They even have a “Safe to send” feature that will do the math for you when you wondering if you should make a big purchase or not.  Sounds pretty cool!

GoBank

GoBanks tagline is “No Overdraft fees, no worries”  They are trying to really help the market with nice features like being able to make cash deposits at many Walmart locations.

 

Making More

Getting Started Investing With Stocks | With Just $5

Stash investing homescreen

Technology is revolutionizing almost every industry.  Especially banking and investing.  You may have seen the new apps and online only banks popping up everywhere. It’s creating new opportunities every day.

When it comes to investing the first logical step is to start investing in your employers 401k.  Many employers will match your contribution up to a certain percentage to help you boost your retirement income.

The second step would be a Roth IRA.  This is another tax advantaged account where you put in your contributions after the money has been taxed, but then when you’re at retirement age, currently 59 1/2 I believe, you can take out your money TAX FREE.  If you’re young and this doesn’t excite you, just know that it will save you potentially tens of thousands if you contribute regularly.

But Hey I have A Little Extra I Want To Invest For Fun

I hear ya.  That’s what I wanted to do.  Most investment firms will charge fees each time you purchase and sell your stocks.

That’s where my favorite investing app comes in:

stash investing logo

invest with stash

Stash allows you to buy and sell your stocks with just $5 at a time.

Their service is affordable at just $1 per month.  if you’re investing five dollars at a time that one dollar fee is high in comparison to other funds, but it’s giving you an opportunity to invest in a large number of index funds and individual stocks any time you want.  So if you ask me, it’s a great deal.

I’ll update this post with my portfolio progress at I build a more robust portfolio.

If you’d like a bonus when you sign up, send a message to us with your phone number on the contact page and we’ll send you a bonus code.

Making More

Find a Better Job While You Are Still Employed

happy guy at work with a sign on his forehead that says be happy

Increasing your income is a goal many of us have.

There are 3 ways you can do this, Get a raise at your current job, start a side hustle and make more money on your own time, or find a better job.

This article is focusing on finding a better job.

Here’s the thing, RIGHT NOW is the time to be looking, before you NEED the income.

There are a bunch of reasons to keep your eyes open for better opportunities.  You might not feel like you’re doing what you WANT to be doing.

Maybe you hate your boss.

Whatever the reason is, here are a few guidelines to help you move to a better position.

Don’t tell anyone at your current workplace.

You may really trust Bobby over in the next cubicle, but he might also trust several other people who you’d rather not know about your job hunting.

As the old saying goes, “Loose lips sink ships,” it’s just better to keep quiet until you’ve got something lined up.

Tell as many people as you can outside of your current job

This is within reason of course. You don’t want word getting back to anyone.  But the easiest way to find the best opportunities is to get an introduction at a company BEFORE they go looking. You also never know WHO will let you know about the best opportunities.  My wife got a really great job with a considerable upgrade in pay and benefits when I mentioned to a friend that she didn’t like her current job.  He knew a position was opening at his firm the following month.

Update your Linkedin Profile

This is important to many employers who offer the best pay and benefits.  Linkedin shows your experience in public fashion, endorsements and a well built professional network can get you pretty far when employers are looking at your profile.

Side note: clean up your Facebook, Twitter or Insta too.  Better yet, make those profiles private.  Potential employers might go snooping around and find those photos of you that you’d rather not have them see.

No smack talking your old boss

You’re just hunting for a new opportunity. There is no need to burn bridges, even if your current boss is a huge jerk. You also never know if smack talk will backfire on you. Mentioned in an article at Efinancial Careers “While they very well may be have been terrible, you don’t want to suggest that you are a malcontent who has trouble getting along with people.” and “Complaining is also not a positive thing to do in an interview, and shows lack of judgment.”

I’d agree with those statements. As an interviewer I’d be cautions to hire a trash talker.

Start a Blog

This is a a really easy way to put your skills out there.  Write about your skills, hobbies and passions.  It might land you your dream job.  It also gives you a way to show your work without having to brag during your interview.

Networking Events

This is a good one because it shows initiative.  If a potential employer sees you trying to better yourself and putting work on your own time, they’ll see your great character and might give you a shot to job hop on over to their place.

Conclusion

It’s a good idea to always be on the lookout for your dream job, or just a pay raise. Imagine the difference in your life when you either LOVE what you do, or able to add an extra 10% to your annual earnings. You could finally get started with investing, or go on a dream vacation.

Making More

Taking These Surveys Will Make You Money

taking survey with pink marker

Taking surveys is a quick and easy way to make a little extra money, without spending to much time or effort. It’s not a bad way to pay for your Netflix bill each month and a tank of gas or two. If you work it right though, you can actually make quite a bit of money!

The problem is filtering out the time wasters from the money makers.  I’ve searched for the best surveys that actually pay you money without wasting your time.

We’ll start with one of the easiest, but lower paying surveys:

Google Opinion Rewards

you can find it in the Google Play store or IOS app store.

Screenshot of Google Opinion Rewards app

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Install this app, answer a few quick questions about your demographics and you’re set.  You will get a few surveys a week that pay between 10 cents and $1.  I’ve had the app for a couple months and have gotten paid directly to my PayPal account several times. You have to be sure to allow location services in the app settings because the surveys are usually about places you visit.  One of the most common surveys I’ve gotten from Google Opinion Rewards is when visiting or driving by Target.

Gold Opinions | Survey Aggregator

Gold opinions works with companies of all sized and brings together surveys that matter to you.  When you sign up they will bring together opportunities to take higher paying surveys, as well as test products from companies like Apple, Samsung and a ton of up and coming companies.  You also get to keep your gadgets that you test and provide feedback for.

I was able to get a deal where if you use the link below, you can get started for only $1!  I highly recommend at least checking out their page:

Updates

I will continue to update this page.  This is an area of interest for me so I will report back as I test new sources and opportunities.