James C. Molet's Blog, page 2
April 3, 2022
Who buys used appliances? Sell broken washer, dryers, etc., for cash
Are you planning to replace your old refrigerator, washing machine, dishwasher, or stove? Did you know that you can make extra money by selling your old appliances?
Many people are interested in buying old and even broken appliances. So, we’ve scoured the web to gather the most effective ways and the best places to sell your appliances.
In this article, we’ll present some handy tips to help you make the most money off your old appliances.
Don’t miss chances to make money selling them off. Stick with us until the end so you don’t have to end up with a cluttered home, filled with unused appliances that you could have sold for extra cash.
Can You Make Money Off Used or Broken Appliances?Yes, you can get cash for used appliances. You probably don’t realize that many people and places offer cash in exchange for these metal behemoths.
Who Buys Used or Broken Appliances?A lot of people are looking to buy used and broken appliances. You can reach potential buyers in different ways.
Some of your options include:
Friends and FamilyOnline MarketplaceMobile AppsGarage SaleUsed Appliance StoresAppliance ManufacturersLocal ResellersScrap DealersRecycling CompaniesProperty Management CompaniesBulletin BoardsClassified AdsWhere Can You Sell Old Appliances?
Let’s take a more detailed look at the places where you can sell old appliances.
Friends and FamilyBefore selling it to other people, you may want to consider selling your used appliance to a friend or family who may need one. So, don’t forget to ask around.
OnlineThere’s no shortage of websites where you can list your used appliances.
Some of the most common ones are as follows:
FacebookFacebook is a social media platform that allows users to post an ad for the items that they’re selling. Whether they’re appliances, clothes, or food, Facebook Marketplace, Facebook Groups, and even your personal profile are the perfect places to sell.
Listing your items on Facebook is free. It provides you with an easy way to reach thousands of people within your area who may be interested in purchasing your used appliances.
You can also ask your friends to share your listing to reach a wider audience.
You can post a photo or video of the item. You even have the option to do a live video so potential buyers can see what you’re offering.
As the seller, you’ll decide how much you want to sell your old appliances for. You’ll just have to wait for queries from potential buyers and agree on the price for the item you’re selling.
eBayeBay is another website where you can list your used appliances. You can sign up or log in using your eBay account and post the item that you’re selling.
You can set the starting price and have a chance to earn more since potential buyers can bid on your items.
However, eBay will charge you two types of selling fees, which are the insertion fees and the final value fee.
The amount that you’ll be charged will depend on your listing’s format and category, seller performance and conduct, and any listing upgrades.
The insertion fee typically starts at $0.35 per listing while the final value fee for more categories is about 12.9% of the sale price or lower.
CraigslistCraigslist is a well-known platform for sellers. You can sell your used appliances and other items to potential buyers within your local area.
It’ll only take a few minutes to list your item on Craigslist. Once that’s done, you just have to wait for an email from interested buyers.
Amazon RenewedAmazon Renewed is another place online where you can sell your used appliances. However, selling on this platform isn’t as easy as selling on Facebook Marketplace or eBay.
Amazon requires sellers to meet its strict quality standards to make sure that their items are working and in good condition.
Mobile Apps
You’ll also find apps that let you sell items for cash.
Consider the following apps:
OfferUpOfferUp also works like Craigslist and eBay. It’s an app that lets you buy and sell items, such as appliances, locally.
You also have the potential to earn more because the items for sale are open for bidding. You can download the app on Android and iOS devices.
You can list and sell your items for free. But you’ll have to pay at least $1.99 if you want to promote your listing.
Its TruYou program requires sellers and buyers to validate their identity first by verifying their Facebook profile, scanning their driver’s license, and taking a selfie.
LetgoLetgo is a mobile classified ad service that’s available for iPhone and Android users. The app works like Craigslist and lets you sell items within your area.
The app is easy to use and you can easily log in using your Facebook account.
5Miles5Miles is an app that lets you buy and sell stuff locally. As its name suggests, your listing will be featured to people who are within five miles of your location. The app is available for both Android and iOS users.
VarageSaleVarageSale is the online version of a traditional garage sale. The app is available for both Android and iOS users.
Garage SalesYou can also go old school and sell your used appliances by having a garage sale. It’s a hassle-free option because you don’t have to worry about how to ship the item.
Not only that, you may be able to score more money because aside from old appliances, you can sell other items that you’re looking to get rid of.
Bulletin BoardsPost ads about your used appliances for sale on bulletin boards. You’ll find them at community centers, shrines and churches, clubs and gyms, coffee shops, laundromats, and even supermarkets.
In some cases, you’ll be asked to pay a small fee before you can pin your ad for the used appliances you’re selling. But some let you do so for free.
Check your local area for places that have bulletin boards.
Classified AdsYou can also follow the conventional way of selling things and that’s to place classified ads in your local newspapers. It’s the most common way of selling used appliances because it’s inexpensive.
Although newspaper ads are often published in prints, some publications also place the ads on their online editions.
Appliance ManufacturersSome appliance manufacturers purchase used appliances so they could reuse some of the components that are no longer in production. These parts or spares help them fix appliances that they’re compatible with. The prices they would pay vary.
Local ResellersSell your used appliances to local resellers. You won’t be able to put a high price tag on the item since resellers also need to make a profit.
If you’re not worried about selling your used appliances for cheap as long as you can get rid of them and earn extra cash, then selling it to a local reseller is a good option.
Local Appliance StoresLook for local appliance stores in your area. These shops sell used and brand new appliances. Some local appliance stores buy used appliances that they can resell for profit.
Ask what their offer is for your used appliance. Compare the offers from different local appliance stores and choose the one that pays you the most.
Check the following sites to find local appliance stores in your area:
MantaYellow PagesYelpScrap DealersIf your old appliances are no longer working, you can still take them to a scrap dealer or scrap metal recycler. The amount you’ll earn will depend on the type of scrap metals that can be gleaned from your used appliances.
Recycling CompaniesCheck your local area for recycling companies that recycle your old appliances that are no longer in a sellable condition.
Some of the recycling companies you should consider are the following:
Arca RecyclingGet Cash 4 KingJunk KingRecycling companies don’t pay premium prices for broken appliances. But it lets you recoup a portion of your investment on appliances that can no longer be sold on the open market.
Recycling companies purchase used or broken appliances for a small price to avoid incorrect disposal, which may harm the environment.
If you’re more concerned about saving the environment and conserving energy than earning more cash, then consider selling your old appliances to recycling companies.
Property Management CompaniesSome property management companies buy used appliances that they can use for their rental properties. An increasing number of renters are looking for properties with better amenities.
Instead of buying new ones, some property managers purchase used appliances for their tenants because they’re cheaper and more practical.
Local Utility ProviderIn some cases, local utility providers buy used appliances through their buyback programs and incentives. Contact utility companies in your area to see what they can offer for your used appliances.
Housing CooperativesSome housing cooperatives purchase old appliances, particularly used kitchen appliances, which they can let their members use in their respective units.
Tips To Help You Get The Most Money When Selling Your Used Appliances
Now that you know where to sell your used appliances, the next thing you need to learn is how to get the best possible price. Below, you’ll find some tips you can use to make the most money selling your used appliances.
Clean The ApplianceWhen you sell something, especially when it’s a used item, you need to make sure that it’s presentable.
You need to clean it and get rid of any dirt or stains. You wouldn’t want to drive away potential customers because the appliances you’re selling look dirty.
Fix Minor ProblemsNobody wants to purchase anything that’s not working properly. This also applies to appliances, even if they’re already used. Unless, of course, you intend to buy broken appliances.
If you’re selling used appliances, you have to make sure that it’s working properly. Check for snags and problems. Even minor issues could cause a significant drop in the price.
Find a reliable and trustworthy technician who can help you fix these snags before selling the appliances. Yes, you’ll have to cover the repair costs. But it’ll be worth it since you’ll have higher chances of getting a better price.
Not only that, you won’t have problems with the buyer. You wouldn’t want someone complaining that you promised that the item is working, only to find out that you sold them a faulty appliance.
Prepare the User ManualIt’s best if your used appliance still has the user manual. It’s something that any buyer would want.
You can request a copy of the manual from the manufacturer in case you no longer have the one that originally came with the appliance when you bought it.
Most manufacturers will grant your request as long as they have available copies. However, you’ll have to pay for the postage once they send you the manual.
Another option is to download the user manual from the manufacturer’s website. Then, you can print the manual before selling the appliances. This way, you’ll attract more potential buyers.
Some people don’t know how to use different appliances so having the manual on hand will be quite helpful, especially for first-time users.
Prepare The Warranty CardAside from the user manual, you should also prepare the warranty card that came along when you purchased the appliance.
It doesn’t matter if the warranty has expired. It’ll just help you decide how much you should sell the used appliance for.
The warranty card gives the buyer the ability to track the repairs done to the appliance. Also, it’ll serve as proof that you’re the first owner of the appliance.
Take Great PicturesBuyers want to have a sneak peek of the item that’s being sold. So you need to make a good impression. Take excellent pictures of your used appliance. This is a must regardless of whether you plan to sell it online or offline.
Come Up With An Interesting HeadlineAside from the photos, the title of your listing is also important. Create an interesting headline that will grab people’s attention.
This is essential, especially if you’re selling the used appliance online. Your headline or title will help get more people to click and view your listing.
Write Excellent DescriptionYou need to be clear and honest when you write the description for the appliance you’re selling. List all the details of the item, such as its brand, make and model, date of purchase, features, etc.
You also need to tell the truth if you’re the first owner or not and the price you paid when you purchased the appliance.
All the information you include in the description will give potential buyers a good idea if they’re getting a great deal.
Don’t forget to include your location so people will know if you’re within their area or too far from their location. Add your contact details at the end of the description so interested buyers know how to get in touch with you.
Explain The Reason Why You’re SellingOne of the many questions potential buyers will ask is why you’re selling it. Make sure you include an explanation behind your appliance listing.
You can say that you plan to buy or already have a new one or maybe you’re downsizing and the item would no longer fit in your new space. Whatever the reason is, it helps to include it in the listing.
Set A PriceDecide whether you’ll offer a fixed price or if the item is open for bidding. Consider if you’re open to price negotiations.
Check the price of similar items before you set a price for your appliance. Your listing won’t get that much attention if you’re selling a used appliance for $500 while others are selling it for only $250. You don’t want to price your item too low either.
Decide On The Shipment or DeliveryYou need to decide whether you will deliver the item or if the buyer will be responsible for picking up the appliance.
If you will offer to deliver, you need to determine whether you’ll deliver it for free or charge a delivery fee.
Specify Your Preferred Payment MethodThere are many ways to pay for purchases nowadays. When you’re selling your used appliance, you need to decide how you want to get paid. Do you prefer cash, PayPal, check, or bank transfer?
Prepare A Place For InspectionPotential buyers would want to see the appliance first before they decide if they want to buy it or not. You need to prepare a venue where they can check the item, such as your home or garage.
How To Get Free Appliance RemovalIf you just want to get rid of your old appliances but don’t necessarily want to make extra money from them, here are your options.
Donate Used AppliancesIf you’re unable or just don’t want to go through the hassle involved when selling used appliances, you can donate your appliance instead.
You’ll find several non-profits that can take your old appliances.
Some of your options are the following:
Salvation ArmyVincent de PaulHabitat for Humanity ReStoreGoodwillGet In Touch With Someone Who Scraps MetalAsk around, look for flyers featuring people who scrap metal, or search for scrap yards in your area. They may be able to offer to remove the old or broken appliances for you once you reach a deal.
Find A Local Appliance Store That Offers Free RemovalLook for a local appliance store that offers free removal of your old appliances when you purchase a new one from them. Some stores help to get rid of your old appliances for a certain fee.
Common stores that can help get rid of your old appliances are the following:
Best Buy – Purchase a replacement appliance and pay a $29.99 fee to haul your old appliances. Lowe’s – Purchase a new appliance and pay around $30 for its haul away service. Sears – Pay at least $10 to haul away the appliance that you’re replacing. Home Depot – Purchase and have a new appliance installed and pay an average of $25 for its haul away service.Final ThoughtsOld appliances can be a source of extra income if you know where to sell them. You can choose from different methods, such as posting online or offline listings, setting up a garage sale, selling it to local appliance stores, resellers, or recycling companies.
If you’re not concerned about making money or just want to get rid of the old appliance, you can donate it or have the store, where you purchased a new one, haul it away for you for free or for a certain fee.
The post Who buys used appliances? Sell broken washer, dryers, etc., for cash appeared first on Retirement Savvy.
March 20, 2022
How to Get Free Products to Review: Companies That Send Free Samples
You’ve considered free product testing at home to make extra money. However, the lack of reliable resources explaining how to get free products to review on YouTube, Facebook, or Instagram, among other social media platforms, creates uncertainties.
Although most free product testers work part-time, some earn around $38,500 to $51,000 per year assessing products and writing reviews full time. You can take on as much or as little work as you want.
The industry definitely offers multiple lucrative opportunities. Most first-timers only fail to get their first gig because they don’t know how to approach companies for paid product testing jobs.
If you find yourself in a similar situation, don’t worry. We can help! Our team scoured the web for inside information on legit product testing websites, applications to product testing jobs, and free products for writing reviews.
This comprehensive guide shows the step-by-step process of becoming a product tester. You’ll know which companies hire product testers, how much they pay, and what you need to qualify.
We researched potential companies so that you wouldn’t have to. That way, you can solely focus on sending applications, getting free products, and qualifying for paid product testing.
Read the whole guide. Otherwise, you might end up wasting your time with stingy companies and low-value products.
Let’s dive into the world of product testing!
Why Companies Send Free Products for ReviewAre product testers legit jobs? Yes, product testing is a legitimate job. Companies typically hire testers to assess their products for quality, functionality, and safety before market launch.
The testing process varies on a case-by-case basis. However, most brands would send free products to qualified testers and wait for the requested review before fulfilling the agreed-upon payment conditions.
If you’re reviewing products that only cost a few bucks, you’ll get to keep them, plus any fees discussed. However, for high-value items (i.e., smartphones, electronic devices, designer cosmetics), the company might not pay you anymore if they’ll let you keep the product you reviewed.
5 Legit Companies That Offer Free Products or Pay for ReviewsWith dozens of product testing opportunities on the market, it can be overwhelming when you’re checking your options for the first time. Most newbies don’t even know where to start looking.
To help make your search quicker, we made a brief roundup comparing the most widely known and trusted companies offering free products and payments for reviews:
Daily Goodie Box
Daily Goodie Box ranks among the most widely known product testing platforms. The company sends out customized goodie boxes of various snacks, treats, and candies every day.
Also, you can create an account for free. Unlike other similar platforms, you wouldn’t have to pay for account fees or site maintenance charges.
The company randomly selects winners. To give a fair chance to all users, the team only allows repeats every couple of weeks.
Types of Products ReviewedDaily Goodie Box has 300+ brand partners committed to sending out a total of 400+ products for testing regularly. These goodie boxes consist of:
CandiesChipsChocolate barsCoffee productsGumMilkVitaminsPotential Savings and EarningsMost goodie boxes cost more than $20, so you can save a couple of hundred bucks annually if you receive a goodie per month or so.
How to Become a Daily Good Box Product TesterStep 1: Head over to the site’s sign-up page and submit your name and email address. Next, input your preferred login details.Step 2: Read the terms and conditions before proceeding with the application. Also, note that Daily Goodie Box doesn’t charge account fees, so you shouldn’t need to link your credit or debit card. Step 3: Wait for the confirmation email. You’ll get an email if your account gets to test a new goodie box. Selections happen daily.PRO Tip: To boost your chances of getting picked, engage with the brand’s social media accounts. They often give freebies to active followers.
Try Products
Try Products is the sister company of Daily Goodie Box. Not only do they have an identical website layout, but they also follow the same guidelines.
For instance, they both give out free products daily. They use the same lottery-style setup to pick random users to review various products.
Also, both platforms have no account fees. You can even sign up for both Daily Goodie Box and Try Products if you want.
Types of Products ReviewedTry Products partners with 300+ brands to connect its massive database to 400+ various products, which include:
CandiesCooking productsCosmeticsDrinksHygiene productsSnacksSupplementsToiletriesVitaminsPotential Savings and EarningsMost listed products cost upward of $10 to $20. However, Try Products picks testers randomly. As such, your savings and earnings per month would depend on how frequently you get picked.
How to Become a Try Products TesterStep 1: Head over to their sign-up page, then input your name and email address. You don’t need to pay for anything.Step 2: Read their terms and conditions, then hit sign up. You should receive an email regarding your application status shortly.Step 3: Wait for your turn to receive free products. Although Try Products uses randomizers to choose between testers, they often prioritize new accounts.Gathr
Gathr is a relatively new product testing platform. It initially operated as GathrU and catered solely to university students, but it soon expanded its market and rebranded as Gathr.
Despite the rebrand, Gathr maintains the same system. It regularly selects a new batch of accounts to test various products, from toiletries to snacks.
Also, Gathr doesn’t charge setup fees. You’ll follow the same streamlined sign-up process, which typically takes less than two minutes.
Types of Products ReviewedGathr partners with brands from varying industries to offer the following types of products:
Bath and body careBeveragesCleaning suppliesFragranceGrooming toolsHaircare productsHealthy foodMakeupNutritional supplementsPersonal CarePet suppliesSkincareSnacksPotential Savings and EarningsThe listed products from Gathr start at $5, so a box of goodies would save you at least $20. Also, most brand partners cover shipping fees.
How to Become a Gathr Product TesterStep 1: Head over to the website’s sign-up page and input your preferred login credentials. You can log in using Facebook or Google if you want.Step 2: Read the terms and conditions, then press next. Afterward, the site will prompt you to a category page where you’ll choose the types of items you’re interested in (i.e., fragrances, hair care, snacks).Step 3: Wait for Gathr to match you with a suitable brand. Due to the high volume of testers and limited freebies, you’ll likely only get a match once a month.Step 4: Receive the box of goodies, then answer the survey accordingly. You’ll also see a QR code that prompts you to Gathr’s community and social media pages.Product Testing USA
When it comes to free product testing electronics, cooking appliances, smartphones, laptops, gaming consoles, and other high-value items, no other platform competes with Product Testing USA. It has already sent hundreds of expensive gadgets and appliances for free reviews to date.
Sadly, not many users have actually received freebies. The platform offers expensive items, so it’s only natural that its team follows a stringent verification process when filtering applicants. Not everyone can get a free laptop.
However, you can try the Mystery Shopper and Secret Diner features while waiting. Product Testing USA gives out massive discounts for users to shop or dine at partner establishments. Some offers make your meals virtually free.
Types of Products ReviewedIf you’ve grown tired of the low-value, unappealing free products for reviews on Amazon and other shopping platforms, try Product Testing USA. They carry:
Apple productsBranded smartphonesCooking appliancesGaming consolesHVAC appliancesLuxury cosmeticsOffice productsVideo gamesPotential Savings and EarningsThe selection process is extremely competitive. However, you can save thousands of dollars’ worth of goods if you qualify for premium items like iPhones, tablets, laptops, and gaming consoles.
How to Become a Product Tester for Product Testing USAStep 1: Select the item that you want to test, read the terms and conditions, then press the Sign Up button.Step 2: Input your details, such as your name and full name. You’ll also have to tell something about yourself so that the screening team can assess you appropriately.Step 3: Wait for the confirmation. After submitting your information, all you can do now is wait and hope that your application pushes through. Of course, you can try other products as well in the meantime.Step 4: If your account gets picked, you’ll receive a standard questionnaire to finalize your application. Step 5: Finally, it’s time to review your free product. Most brands pay for shipping, but winners from rural, isolated areas might need to cover some extra fees.Home Tester Club
International users exploring free product testing at home should try Home Tester Club. It ranks among the handful of legitimate product testing platforms that caters to areas outside the US, such as:
AustraliaBrazilCanadaChinaFranceGermanyIndiaPhilippinesUKAdmittedly, its massive database creates a lag in between freebies. To ensure that every account gets its fair share of freebies, you’ll only receive product testing orders every month or two.
However, you can join sitewide games and contests. They’re pretty challenging, but the rewards and prizes are definitely worth the hassle.
Types of Products ReviewerHome Tester Club varies brands based on your location, but you can expect most freebies to fall under:
Baby and toddler toysBeverages Chilled and frozen foodsCleaning itemsFood Pantry essentialsHair and beauty products Health and hygiene productsHousehold cleaningPet carePotential Savings and EarningsHome Tester Club carries a diverse range of products, from $1 bars of soap to $20 pet care items.
How to Become a Home Tester Club Product TesterStep 1: Head over to the sign-up page and log in with your Facebook or email account. Next, input your preferred login credentials.Step 2: Select your preferred categories and answer a few questions about yourself. The screening team will match you with the products they think suit you.Step 3: Wait for a confirmation email from Home Tester Club. You’ll need to provide some additional personal information and details if your account gets selected for product testing.Step 4: Receive and review the products. Your freebies will come with a set of instructions telling you to share your experience, rate the products received, and engage with the Home Tester Club community.Approaching a Company for Product Reviews[image error]If the companies that you want to get free products from weren’t mentioned above, you can approach them directly. Here are some tips on how to do that:
Step 1: Research Your ProspectsMake a list of bands whose products you want to test. Research their target market, demographic, and product lineup, then assess if you can provide accurate, helpful feedback.
Also, avoid upscale brands selling high-end products. Let’s face it—most businesses that you reach out to will only agree if the products you’re asking for only cost a few dollars.
Step 2: Search the PR AgentDon’t just message the company’s contact page—worse, their customer service team. Direct your pitch toward the correct department.
Look up the person in charge of the company’s PR, marketing, and product development.
You can use Facebook, Google, or Instagram as a starting point, but try to send your pitch via professional platforms, such as their LinkedIn account or work email.
Step 3: Send Your PitchOnce you find the person that you need to contact, it’s time to draft your pitch. Remember not to ask for free products right from the get-go. Otherwise, you’ll just get ignored.
Keep in mind that you’re sending a cold pitch. The person on the other end of the screen will only give you a chance if you offer something of equal value.
Here’s where you can show off any relevant experiences. Companies typically agree to product testing orders if the applicant pitching has a social media following or adequate knowledge about their products and competitors.
Note that simply “loving” a brand doesn’t qualify you for product testing.
Step 4: Ask for Sample ProductsAfter sending you an engaging, compelling pitch, write a brief, convincing paragraph asking for free samples. Again, assess the value of your offer.
You don’t necessarily need to be a widely known influencer, but you’ll need to bring something to the table.
Tips to Get Picked for Legit Product Testing Gigs
There are several ways to get free products to review. However, you can maximize your chances on almost all platforms by following these tips:
Creating a New Email AddressYou don’t necessarily need a company email address. However, avoid using unprofessional, hard-to-read handles.
We suggest creating a new email account altogether. Not only will a professional-sounding handle set you apart, but dedicating an entire account to product testing will also make it easier to sort through important conversations.
Submitting Applications PromptlyAlthough companies take weeks to process applications, they often close listings once they’ve received enough applicants. Send your requirements as soon as possible.
Otherwise, the admins managing the product testing orders might not even see your application. Remember that these companies receive thousands of emails daily.
Completing Reviews ProperlyIncrease your chances of getting multiple product testing orders from the same brands by submitting accurate, in-depth reviews.
Don’t just voice your thoughts. Clearly explain how the product reviews rank based on the criteria provided. Avoid ambiguous statements.
Also, accomplish all surveys and forms properly. Surveyors can tell if you read the order guidelines from start to finish or if you just skimmed them.
Keeping New Product Features to YourselfNever disclose new product features to anyone, not even your friends. Most product testing gigs will require you to sign a non-disclosure agreement (NDA) prohibiting you from exposing the company’s intellectual property.
Violating your contract will automatically lead to termination. In the worst-case scenario, the company could file a lawsuit against you for monetary damages.
Selecting Products You’re Familiar WithCompanies typically choose applicants with relevant industry experience, so make sure you match your prospective brand’s buyer persona.
Yes, unfiltered reviews give companies a fresh perspective. However, you’ll need adequate knowledge to create informed, fact-based assessments on any product.
For instance, let’s talk about cosmetics. If a lipstick brand needs amateur reviews on a new product’s staying powers and overall aesthetic, it will reach out to women who don’t often use makeup—not teen males.
Staying CautiousDon’t get greedy. Product testing opportunities promising free smartphones and expensive gadgets might seem attractive. However, some of them might be scams.
If the gig comes from an unverified website outside our list and their job compensation sounds too good, reconsider your application. Objectively assess every offer that comes your way.
Also, stay away from any offer that requires any form of payment. Legit product testing companies will never ask you for money, whether for so-called reservations or down payments.
Getting Paid to Test and Review Products at HomeExplore all the opportunities we mentioned above. Review their guidelines, then see which ones match your experience, skillset, and payment preferences. Don’t limit yourself to just one or two options.
Also, try taking on multiple clients to maximize your product testing rewards. Once you’ve decided on a niche, zero in on it and reach out to all the reputable companies and third-party agencies hiring product testers.
Trust us—most companies take weeks to process applications. Building a steady stream of orders in your queue minimizes your downtime while waiting for new products to review.
The post How to Get Free Products to Review: Companies That Send Free Samples appeared first on Retirement Savvy.
How much is 925 sterling silver worth? (And how to sell it)
Looking to buy or sell 925 silver? Don’t rush into the process.
Because real silver is worth a lot of money, there’s no shortage of fakes, scammers, and low-ballers out there.
To help you understand how much 925 silver is worth, we’ve put together this comprehensive guide on how to determine its value and authenticity.
Make sure to read until the end, or you’ll miss crucial tips on ways to get cash for your sterling silver and how to spot fakes.
Let’s get started!
What is 925 sterling silver?925 sterling silver is a popular metal for jewelry making, especially in the US.
This is because it’s an alloy of silver containing 92.5% pure silver and 7.5% other metals, usually copper.
This means that it has the same properties as pure silver but it’s more durable and affordable.
Is 925 silver real silver? Yes, 925 silver is considered real silver with 92.5% pure silver content.
Is 925 sterling silver high-quality silver?Yes, 925 sterling silver is high quality and a favorite among jewelry makers.
It’s the most common type of silver used for making jewelry (at least in the US) and it’s great for all types of jewelry designs, including rings, bracelets, earrings, necklaces, and even watches.
How much money is 925 silver worth?
The price of sterling silver fluctuates daily, just like the price of gold, platinum, and other precious metals.
There are several factors that determine the value of sterling silver:
The spot price or current market price of silverThe weight of the itemCondition of the pieceAny additional elements in the piece, such as gemstones or diamondsWhere you sell it (a pawn shop will give you less than a jeweler)Purity of the metalThe most common DIY method for determining how much your sterling silver is worth is to multiply the spot price by 0.925 (the purity).
For example, if silver is trading at $20/ounce, 925 sterling would be worth $18.71/ounce ($20 x 0.925).
Thus, if a piece held 10 ounces of silver, it would be worth $187.10.
For a more precise calculation, use an online silver price calculator to know real-time silver prices.
Sterling silver price vs. scrap sterling silver priceSterling silver items can fluctuate in value depending on their condition, but they’re worth much more than scrap silver.
Sterling silver that has been damaged beyond repair may be considered scrap sterling silver. Items that fall under this category include:
Broken jewelryStained flatwareDamaged candlesticksTarnished picture framesThe price of scrap sterling silver is about 5x less than the price of pure silver.
This is because it takes work to extract the silver and additional work to refine it into a usable form.
Similar to 925 silver, how much you can sell scrap silver for depends on current prices and who’s buying it.
What’s the difference between pure silver and sterling silver?If someone is trying to sell you a “pure silver” piece of jewelry, take that as a red flag.
That’s because pure silver and sterling silver have different compositions, and savvy buyers/sellers know the impact of that difference on both price and value.
Pure silver, aka fine silver, is the purest form of this precious metal and contains 99.9% silver.
Since it has higher silver content, it’s worth more than all other types of silver.
However, pure silver is extremely soft and easily bent, so it cannot be used to make jewelry.
It needs to be combined with other metals to make it harder and more durable. When other metals are added to pure silver, the resulting alloy is sterling silver.
American Gem Society (AGS) notes that these metals give the silver enhanced durability and resistance to tarnishing while still allowing the material to be worked into various shapes and designs.
The Advantages of 925 or Sterling SilverSterling silver is one of the most affordable types of silver jewelry. It’s also versatile and has a beautiful, pure white luster.
However, there are other benefits beyond its looks:
HypoallergenicSterling silver is hypoallergenic, which means it’s a great choice for people with sensitive skin.
It doesn’t contain nickel, so it’s less likely to cause rashes, allergies, or discoloration.
DurableSterling silver is one of the strongest and most durable precious metals on the market.
Sterling silver has a hardness rating of 2.5–3 on the Mohs scale of mineral hardness, thanks to including metals like copper.
Easy to care forUnlike other precious metals, sterling silver is easy to maintain and only requires occasional polishing.
Many people prefer its natural coloration as opposed to other metals that must be returned to their original polish every so often.
Even when tarnished, sterling still looks beautiful with its warm patina that’s darker than its initial shine.
Anti-tarnishAll sterling silver tarnishes over time. However, sterling silver is less likely to tarnish than other types of silver because it contains copper.
Copper slows down oxidation (the process that causes tarnish).
The Disadvantages of 925 or Sterling SilverWhile silver is beautiful, it does have some downsides:
Prone to ScratchingOne of the biggest disadvantages of sterling silver is that it’s relatively soft even in alloy form.
This makes it prone to scratching and tarnishing. If you wear your jewelry daily, this can be a problem.
Copper AllergiesAnother disadvantage of sterling silver is that some people are allergic to copper, which is often part of its composition.
If you’re not sure whether you’re allergic to copper, try wearing a piece of sterling silver jewelry for a few hours or days.
If your skin turns green or becomes irritated, you may be allergic to the material.
OxidationSterling silver oxidizes when exposed to air, water, or other chemicals.
This means the metal tarnishes over time and eventually becomes dull or discolored, if not cleaned periodically.
How Do You Know 925 Silver Is Real or Not?
Not all silver jewelry is created equal—some pieces are made of purer silver while others are made of lower-grade silver that may be combined with cheaper metals.
So how can you tell if your silver jewelry is genuine?
Here are some tips on how to identify real silver from fake ones:
Check for the stamp on the pieceAll items made with silver are stamped with a hallmark or maker’s mark to indicate the purity of the silver.
The most common markings are “925” or “.925” which indicates that the item is 92.5% pure silver or “sterling.”
Another common marking is “sterling” or “ster.” If you don’t see any stamps, ask about them ASAP.
See if it makes a ringing soundSilver rings should produce a high-pitched bell sound when tapped against another hard object like glass, porcelain, or metal.
This ringing sound is known as a bell test and it occurs when two pieces of metal collide at high speed.
If it makes a thud sound, it has a higher likelihood that it’s counterfeit.
Check how hard the silver isSilver is soft and malleable and can be easily scratched or dented by hard objects.
So if your silver piece bears small dents or easily gets scratched, it’s a good sign that your item is real silver.
Check how it smellsA genuine silver product will have no smell whatsoever.
A fake one, on the other hand, might give off a metallic or sulfuric fragrance.
So, if you want to find out whether your item is real or not, it’s a good idea to start with this quick and simple test.
You can also try rubbing a piece of tissue or cloth against the silver product and sniffing it to find out if it smells of anything unusual.
Bring it to a jeweler for appraisalBringing the piece of silver to a jeweler for an appraisal is the most accurate way to determine whether it’s real silver or not.
They’ll use proven methods such as X-Ray fluorescence (XRF) testing, the acid test, and an electronic metal analyzer to determine purity and value.
Don’t know any jewelers in your area?
You also contact the Gemological Institute of America (GIA) for a list of appraisers in your location.
Common Ways to Sell Silver for CashSilver is a good investment, but it’s a volatile one. The price of silver changes quickly, and that makes it difficult to predict when to buy or sell.
If you’re looking to cash in on your silver, here are a few ways you can do it:
Sell Your Silver OnlineOnline marketplaces like eBay are a good option for beginners because they handle all the listing, payment, and shipping details for you.
It’s easy to create an eBay listing, but selling on the marketplace does come with a few disadvantages. For instance, eBay charges between 10% and 15% of your sale price as a fee for using its services.
Double-check the fine print so you can get the most money for your 925 silver.
Look for Local BuyersYou can also find local buyers by searching online with terms like “sell my silver” and place names near you.
The best local buyers will offer the highest prices. However, they might only purchase in bulk or certain types of silver items.
Auction Off Your SilverIf you want to get top dollar for your silver, an auction is one way to go.
But unless your silver is extremely valuable already, it’s not likely worth paying high auction fees. You can find cheaper auction sites online to start out.
Find a Private BuyerIf you have friends or family who are into silver or collectibles, they may be willing to buy your silver items from you.
Check with them first to see if they’re interested in buying what you have to sell.
Craft fairs and flea markets are also great places to find private buyers for your silver items.
These venues allow you to meet face-to-face with buyers and negotiate prices for your items.
How much do pawn shops pay for sterling silver?Can you pawn 925 silver? Yes, pawnshops will buy 925 silver items like jewelry and watches.
Pawnshops are one of the easiest places to sell silver, but they’ll offer less money than more specialized buyers.
If selling your silver quickly is more important than getting the most money for it, this could be a practical option.
When you bring your silver in, the pawnshop will weigh it and examine it and then make an offer based on its weight and purity level.
They will often pay 50% to 70% of the spot price of silver or lower. This isn’t a hard rule, but a good baseline.
Frequently Asked QuestionsHow much money can you get for a 925 silver ring?This also depends on other factors. Some rings are more valuable than others, based on their design and style.
If you’re looking to sell your 925 silver ring, your best bet is to shop it around to different pawn shops to find out which location will offer you the most money.
How much is a 925 silver necklace worth?The value of your 925 silver necklace depends on its purity and other factors.
For example, gemstones or other precious metals part of the design can increase its value. Your necklace could also be worth less than the current market value due to defects or damages.
How much is a 925 silver bracelet?The answer to this question varies widely. A 925 silver bracelet can cost from $10 to over $1000, depending on the size and quality of the piece.
ConclusionWe hope you found this guide useful, and that you learned more about your 925 sterling silver items along the way.
Try not to rush into selling your sterling silver. Getting the most cash for your item is a matter of studying the market, researching your options, and comparing which one is the best for you.
The post How much is 925 sterling silver worth? (And how to sell it) appeared first on Retirement Savvy.
Get paid to type: How to make money typing online
If you’re retired or just want to work from home and earn some extra money without tiring or demanding tasks, online typing jobs are perfect for you.
The internet is full of job boards and listings for people who can type quickly and accurately.
The bad news is that a lot of scammers are out there, promising you the moon, but then either paying you poorly or not at all.
To help you avoid that, we’ve come up with a list of online jobs where you can get paid to type. We’ve done all the hard work by reading reviews, watching tutorials on YouTube, and cross-referencing our sources to make sure they’re legit and actually pay their typists.
You’ll find out which sites are reliable and how you can earn as much as $100 per hour from home-based typing jobs.
Don’t skip this article, or you might miss out on some great opportunities to make money at home!
Can You Earn Money By Typing?Yes, you can definitely make money at home by typing.
Whatever your skill level is—whether you’re just learning to type or you can type lightning fast—many companies out there are looking for someone just like you to take on their typing needs.
For instance, you can get paid to type captchas, transcribe podcasts, subtitle movies, or get paid to type names.
Best of all, the barrier to entry is low.
You don’t need certifications, a degree, or fancy equipment. As long as you have a computer, internet connection, and basic typing skills, you can start earning money by typing.
What’s The Average SalaryFor Typing?Typists in the US earn an average of $19 per hour or nearly $40,000 a year.
Of course, salaries for typing and data entry will vary from company to company, depending on the tasks that you’re doing.
If you’re typing out numbers or simple text, your rate will be on the lower side.
But if you’re doing something more specialized, like subtitling a movie or transcribing a recording of a lecture, your rate will go up as the level of expertise required increases.
9 Legit Sites & Apps To Get Paid Typing at HomeThe sites on this list are reputable companies with a strong online presence, verified payment system, and offer work-from-home positions.
Earn Money By Typing Captions and Subtitles
If you have strong typing skills, then you could be making a living as a freelance transcriptionist for the entertainment industry.
From Netflix to Paramount, many companies are finding it easier to hire freelancers than to hire full-time typists:
1. RevRev is an online marketplace for transcription services. If you can type quickly and accurately and have great attention to detail, you may like working for Rev as a captioner.
Captioners make up to $1,500 a month and are paid weekly through PayPal.
To apply as a Rev freelancer, you’ll need to create an account. Then you’ll need to take a quiz before submitting a short transcript to check if you can handle the Rev style guide.
You can start accepting jobs the moment you’re approved.
2. Go TranscriptGo Transcript is an online platform where clients can order transcripts of podcasts, interviews, webinars, meetings, and more.
They hire “transcription experts” who are fluent in English and have good typing skills to transcribe their audio files.
Rates for simple captions start at $0.60 per minute, while subtitling can get you as much as $10 a minute. Salaries are paid every week through PayPal or direct deposit.
You can apply for Go Transcript online.
You’ll have to create an account, verify your identity through SMS and photo, then take a short typing test.
3. Hollywood TranscriptionistHollywood Transcriptionist is a company that works with all the big players in Hollywood, such as Netflix, HBO, and ABC.
They’re always looking for new remote typists to help make sure movie fans everywhere can follow along with their favorite titles.
They pay around $10 an hour through PayPal and require a typing speed of at least 65 WPM.
To apply as a Hollywood Transcriptionist, you’ll need to send your resume and answer an online questionnaire.
If you pass the initial stage, you’ll undergo a transcription test before getting approved for transcription jobs.
Get Paid by Typing Documents
One of the most common ways to earn money online is to get paid to type scanned documents, PDF files, and handwritten files.
Companies, especially those who are migrating their assets toward digital storage, need typists who can work quickly and consistently.
Try applying to these sites:
4. Amazon Mechanical TurkAmazon Mechanical Turk is a company that allows you to sign up and complete small tasks for payment.
Tasks might include creating or labeling images, transcribing audio, or researching data details. Pay ranges from $0.01 to $0.15 per task, with the average task paying $0.03.
You can get paid through PayPal or Amazon gift cards.
To apply, you’ll need to request an mTurk worker account using your Amazon log-in credentials.
Since it’s a crowdsourced marketplace, you don’t need any experience to get started.
5. iWriteriWriter is another platform where beginner freelancers can find writing jobs across a wide variety of categories, including transcription jobs.
The pay for transcription work starts at about $1 per minute of audio transcribed, with premium rates for experienced transcribers who can provide high-quality work consistently.
To apply for iWriter, you’ll need to create an account, submit a quick research test, and create a profile from there if you pass.
Earn Money Typing Online as a Transcriptionist
As a transcriptionist, you can get paid to type what you hear from audio and video files.
Here are some great companies that offer online transcription jobs:
6. TranscribeMeTranscribeMe hires typists from all over the world, so you can be anywhere with a good internet connection and still get work done for them.
They have both full-time and part-time positions, and the work is on a per-audio hour basis.
Some workers have reported earning between $15 and $22 per hour of audio transcribed.
To become a freelancer with TranscribeMe, you’ll need to register an account first. Then you’ll need to pass an exam course and training before you can start as a transcriptionist.
7. Casting WordsCasting Words is a transcription company that specializes in podcasts, interviews, and other audio files.
Casting Words accepts all levels of transcription skills, but they do require you to take a short test before being accepted as a freelancer.
They pay per audio minute based on the quality of your work.
If you perform well, you could earn between $0.20 and $0.60 per audio minute paid through a bank deposit or PayPal.
To apply as a Casting Words transcriptionist, you’ll need to sign up for an account and undergo their typing workshop before you can accept typing jobs.
8. BabbletypeBabbletype hires transcriptionists and translators from all over the world to translate audio files from one language to another.
The pay for each project varies but usually falls within the range of $0.10 to $0.15 per word, depending on the length of the project and its overall difficulty level. Cashout is through PayPal.
To apply as a Babbletype freelancer, you need to fill out an application form and provide your native language as well as the languages that you are fluent in writing.
9. ScribieScribie is a company that hires typists to transcribe audio and video files.
They work with a lot of remote typists and allow you to choose your own preferred schedule and project.
This means that you’re in control of when you work (as long as you meet the deadlines) and what type of files you want to transcribe.
As a transcriptionist at Scribie, you’ll be making $5 per every 6 minutes of audio transcribed.
You can only be paid in PayPal, but there are no minimum cashouts or payout schedules to worry about.
To start your Scribie application, you’ll need to create an account and complete a typing test.
Who Can Apply For Online Typing Jobs?Anyone interested in making money from home can apply for online typing jobs.
Specifically, typing from home is a great option for:
RetireesStudentsFreelancersEmployees looking for side incomeStay at home parentsUnemployed peopleThe most important thing is to have basic typing skills, a computer, and reliable internet access.
You can work anytime, anywhere, and as much as you want, which makes online typing a great option for many people.
What Kind Of Companies Pay People To Type?Typists can be found in almost any industry, but there are some areas that need typists more than others:
Hospitals and nursing homesMedical personnel (doctors, nurses, and aides) dictate notes throughout the day. These notes must be typed up to ensure they’re legible.
Insurance companiesInsurance companies often have staff members who specialize in typing up insurance policies.
These policies are typically very long and detailed, so it’s important that they don’t contain any errors.
Legal firmsLawyers often dictate letters or contracts with clients. These documents need to be typed accurately to avoid legal disputes.
Marketing and advertising firmsMarketing and advertising firms regularly produce reports that describe their latest research findings.
These reports are almost always dictated before being typed up.
Financial analystsFinancial analysts often write analytical reports that describe a particular stock, bond, or mutual fund.
They will dictate these reports so another person can type them up for them.
Schools and educational institutionsSchools (both K-12 schools and colleges) regularly produce transcripts of students’ grades and academic records.
In many cases, secretarial staff will type these transcripts for students to send to other universities or employers.
Data entry companiesMany companies outsource their data entry needs to other companies.
This could be entering bank statements into a computer system or keying in information from paper forms into a computer database.
These jobs generally require fast and accurate typing skills.
Virtual assistance companiesIt might not occur to many people that virtual assistants are often hired for their typing skills.
These administrative assistants need to be able to type quickly and accurately.
The work can involve transcribing meetings, taking notes over the phone, or simply answering emails with short responses from the client’s customers.
Businesses that offer transcription servicesBusinesses that offer transcription services hire contractors through freelance websites where you can bid on projects for pay per minute of audio transcribed.
If you have good typing skills and great listening skills, this might be a good option for you to consider.
Social servicesSocial service agencies often need people to type confidential client reports.
One example is CPS, Child Protective Services. They may also need volunteers who are willing to type reports as needed.
State and county agencies, as well as university social work programs, are just a few examples of places that may need typists.
Television and movie production companiesWhen shows or movies are produced, a lot of paperwork is generated.
The script needs to be typed into a program that will make it look like a real script.
Other documents may be required, such as props lists, shot lists, and schedules that have to be typed up. These companies often hire individuals to do the typing for them.
Any business that needs subtitles for their contentMost businesses that produce video content need subtitles, whether they’re making TV shows or marketing videos.
These companies often outsource this work to transcriptionists because it’s cheaper than hiring an employee.
Large corporations with a lot of paperworkTyping is often used to transform documents into electronic formats.
You can enter data into software programs, databases, spreadsheets, and so on.
Some companies have their own software systems that require typing skills, but you don’t need to be an expert programmer to use them.
What Equipment Do You Need For Online Typing Side Hustles?
You might be surprised to learn that you don’t need much equipment to type and earn money from home.
As long as you have the following, you’re good to go:
A computer or laptopIf you’re on a tight budget, this doesn’t have to be the latest and greatest.
However, anything older than five years may not have the power you need to process documents quickly.
For example, if you’re working with big spreadsheets or lots of photos, even an entry-level machine will struggle to keep up.
The basic specs you’ll want to look for are:
A processor of at least 2.0 GHz, though faster is always better.At least 4GB of RAM, though this can be the first thing you upgrade if you find it’s not enough.A hard drive with at least a terabyte (1,000 gigabytes) of storage space. If your computer is five or more years old, it probably has less than half that amount, and that may not be enough for your work needs.At least an Intel i5 or i7 processor.If you’re not looking to spend a lot of money, there are plenty of refurbished models available online and in stores that will do the job just fine.
A reliable internet connectionIf your internet cuts out mid-project, your client might dock your pay or ask for a refund.
Remember that many clients don’t live in the same time zone as you (especially if you’re a freelancer), so make sure your internet is available any time of the day or night.
Basic word processing software like Microsoft OfficeYou don’t want to spend all your time figuring out how to use the program, so we recommend sticking with something simple but capable. Microsoft Office is ideal for most people because it’s easy to use and works on both Windows and Mac computers.
Alternatives include OpenOffice Writer, LibreOffice Writer, Google Docs, and Zoho Docs.
Free communication software such as SkypeIt’s important for remote workers to stay in contact with their clients and teammates, especially if they need help or have questions about projects.
Free editing software such as GrammarlyIf you’re not already using free editing software such as Grammarly or Hemingway, now is the time to start.
You can get away with making small mistakes while typing for friends or family.
But when you’re doing it for money, your mistakes can cost you the job.
Speakers or headphonesYou can’t work from home without speakers or headphones for listening to audio files and instructions about projects.
Good quality equipment will make it easier for you to hear and transcribe the audio clearly.
A comfortable chairYou might be surprised at how much your back hurts after sitting in an uncomfortable chair for a few hours.
Plus, if you’re going to be spending a lot of time typing, you don’t want to be uncomfortable and distracted by pain.
Every minute counts when you’re on a deadline.
A way to receive payment online (e.g. PayPal)Most typing jobs pay through PayPal, which means that you need an account set up and ready to go before you start applying for jobs.
If your typing job offers payment via check, then simply set up a bank account where clients can deposit money.
And that’s it! You can find a lot of software for free, and you don’t need to spend a lot on equipment before you try applying for online typing jobs.
Still, if you have room in your budget, upgrading your equipment is definitely worth it.
Not only will it make your job easier and quicker, but it can also open up new typing opportunities for you.
How Fast Do You Need To Type To Get An Online Typing Job?It depends on the employer, but the average word-per-minute requirement is typically between 40 and 65 WPM.
Typing speeds above 80 wpm are considered high speeds, but it’s unnecessary for most jobs.
To see how fast you can type, visit TypingTest.com and take a free typing test.
The website will calculate and display your net words per minute, as well as gross words per minute and accuracy percentage.
Notes:
For project-based typing jobs that have deadlines and deliverables, your speed may not matter as long as you meet your deadlines.If you’re doing freelance typing and billing by the hour, then you’ll have to be quick as well as accurate to earn a decent hourly rate.It’s not just about speed but also accuracy. If you can type really fast but make lots of mistakes, you’ll waste time correcting those mistakes than a slower typist with greater accuracy.How to Type Faster: Practical Tips
As a typist, your speed can determine how much you earn. The faster you type, the more money you make.
Even if you don’t plan to earn money by typing, increasing your speed helps with other tasks, such as writing emails and documents.
It takes time and practice to learn how to type fast, but once you do, you’ll boost your productivity.
Here are some tips on how to type faster and more accurately:
Use the right keyboardThe most important thing is to get a good keyboard that supports your typing style.
If you type with just your fingertips, choose a low-profile keyboard that has a short key travel and requires little pressure to hit the keys.
If you type with your fingers flat or with your wrists resting on the desk, opt for a regular full-sized keyboard with medium-key travel.
Master the home rowGet comfortable with where your fingers rest on the keyboard.
The home row is made up of the keys A–S–D–F (for the left hand) and J–K–L–; (for the right hand).
When typing, use these keys as anchor points for your left and right hands, respectively.
Practice touch-typing regularlyPractice typing regularly over an extended period to master it.
Consistency is more important than frequency — try to type every day at the same time so that it becomes a habit.
Start off slowly and increase speed graduallyIf you’re new to touch-typing, start off by practicing individual letters before moving on to words and phrases.
Don’t worry too much about speed—accuracy comes before speed, so take your time!
Taking regular breaks is importantWhen you take a break, make sure you get up and move around. Do some stretches to prevent your hands and arms from getting too stiff.
Learn to type without looking at the keysYou can’t type fast if you’re always looking at the keyboard to see where each finger should go next.
As you get used to typing with all ten fingers, your eyes will naturally look ahead at the screen rather than down at your hands.
Don’t use too much force to hit the keysUsing too much force slows you down and causes hand strain over time.
It also makes for lots of typos and mistakes, because you’re more likely to slip off the keys that way.
Use just enough pressure so that hitting a key feels natural and easy, but don’t strike them so hard that they feel uncomfortable.
Keep your fingers hovering above the keysThis will keep you from using too much force when you do strike a key.
Use a typing tutor that suits your needsIf you’re serious about learning how to type faster, invest in a good typing tutor program like Typesy or 10FastFingers (free).
These programs can help you learn to type properly using all ten fingers and improve on speed and accuracy as well.
How to Spot Online Typing Job ScamsIt’s important to be aware of online typing job scams because you could lose money, waste time, or even compromise your personal or financial information.
Here are some signs that an online typing job might be a scam:
The job posting is vague, too good to be true, or promises high pay for minimal work.You did not apply for the job posting, but someone contacted you about it.The job requires you to use your personal bank account or credit card.They ask you to wire money back to them.The company requires you to purchase their software in order to continue with the application process.They ask for personal information like your bank account number, Social Security number, and driver’s license number before you work.Remember: it’s always better to be safe than sorry.
The moment you notice these signs, disregard the email and stop communication with the company.
There’s no shortage of online typing jobs, so don’t worry about missing out on opportunities.
ConclusionIf you’re looking for a great way to earn a few extra bucks from the comfort of your own home, there are certainly plenty of options available.
Just make sure to do your research and select trustworthy companies before applying for any typing jobs.
Also, watch out for red flags when you start applying; if a company seems suspicious in any way, move on to the next one.
The post Get paid to type: How to make money typing online appeared first on Retirement Savvy.
Living in Oregon pros & cons: Should you retire in Oregon?
If you’re planning to spend your golden years in the Pacific Northwest, you might wonder if Oregon is a good place to retire.
After all, it has a lot to offer: beautiful beaches, hiking trails, and scenic vistas.
But is it really a great place to settle down?
To help you decide, we checked different sources and reviews from people living in Oregon to give you a clear picture of what it’s really like there.
You’ll learn about the pros and cons of moving to Oregon, along with tips on choosing a place to call home during your retirement.
Your choice can make or break your quality of life when you retire, so be sure to read until the end. Let’s start!
Fast Facts about Oregon State
Oregon is in the Pacific Northwest region of the United States and became a state on February 14, 1859.
It sits on the West Coast, with Washington to its north, California to its south, Idaho to its east, and Nevada to its southeast. The capital is Salem, but Portland is Oregon’s largest city.
With its lush forests, mountains, valleys, and high deserts, Oregon offers visitors an abundance of activities, from skiing on Mt. Hood to whale watching along the Oregon Coast or touring one of many award-winning wineries, breweries, or distilleries.
The state’s motto translates from Latin to mean “She flies with her own wings.”
Fun Trivia: Oregon is also one of a few U.S. states to have an official state nut (the hazelnut) and official drink (milk).
.stk-a8f2307 .stk-block-icon{flex-basis:50px !important}.stk-0bc82f0 .stk--svg-wrapper .stk--inner-svg svg:last-child{height:26px !important;width:26px !important}.stk-0bc82f0 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-0bc82f0 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#109916 !important}Pros of Retiring in OregonIf you’re looking for a retirement destination on the West Coast, Oregon is an excellent state to consider. Its climate is mild and its tax laws are friendly to retirees.
That’s only the beginning of what you’ll love about living in Oregon when you’re not working anymore:
.stk-56d50fa{background-color:#f1fcfc !important}.stk-56d50fa:before{background-color:#f1fcfc !important}.stk-56d50fa{margin-bottom:0px !important}Magnificent Natural BeautyOregon is a gorgeous state filled with breathtaking scenery, from the Pacific Ocean to the magnificent Cascade Mountains.
It’s also home to some of the most beautiful beaches that rival those on either coast.
And these aren’t just pretty views: The state’s natural beauty has positive effects on the health and wellbeing of retirees.
Studies show that people who live near green spaces have lower rates of obesity and high blood pressure, plus they live longer than those who don’t.
.stk-5d499ec{background-color:transparent !important}.stk-5d499ec:before{background-color:transparent !important}.stk-5d499ec{margin-bottom:0px !important}No Sales TaxOregon has no sales tax, which can save retirees thousands of dollars every year.
Even better, there’s no tax on Social Security income, so you can keep more of your retirement benefits by moving to Oregon.
This can make a big difference for retirees who are living on fixed incomes or have depleted their savings accounts.
.stk-67546f2{background-color:#f1fcfc !important}.stk-67546f2:before{background-color:#f1fcfc !important}.stk-67546f2{margin-bottom:0px !important}Beautiful Summer WeatherIn Oregon, the summer months are warm and dry.
While many states struggle with intense heat and humidity, Oregon has a cool sea breeze that keeps things nice and comfortable when the weather gets warm.
Plus, the dry weather means that the rain doesn’t linger for days on end as it does in some other parts of the country. That translates to more time spent enjoying your retirement!
.stk-9a85f75{background-color:transparent !important}.stk-9a85f75:before{background-color:transparent !important}.stk-9a85f75{margin-bottom:0px !important}Eco-Friendly LifestyleOregon deeply values sustainability and conscientious living. A major goal of the state is to reduce carbon footprint to preserve the environment for future generations.
For eco-conscious retirees, this is one of the best reasons to move to Oregon.
This green mindset manifests in a variety of ways, from recycling bins at every curb to electric car charging stations throughout the state.
You can find farmers’ markets wherever you go, offering locally grown produce and products made by local vendors.
Many retirees in Oregon choose to spend their free time volunteering with environmental organizations, such as the Audubon Society of Portland or the Columbia River Estuary Study Taskforce (CREST).
They are just two examples of the many opportunities available for those who wish to make a difference in their communities.
.stk-1093f19{background-color:#f1fcfc !important}.stk-1093f19:before{background-color:#f1fcfc !important}.stk-1093f19{margin-bottom:0px !important}Outdoor RecreationOne key reason that Oregon is such a popular place for retirees is because of the endless outdoor recreation.
Oregon is full of beautiful coastlines and mountains, which makes it a nature lover’s paradise. Whether you enjoy fishing, hunting, or going for hikes through beautiful forests, there are endless opportunities to pursue your passion.
While it may be too cold to go golfing in other states during the winter months, Oregon offers warm enough weather year-round that golfing can be enjoyed whenever you want.
.stk-5eba1c8{background-color:transparent !important}.stk-5eba1c8:before{background-color:transparent !important}.stk-5eba1c8{margin-bottom:0px !important}Safe for Bikes and PedestriansOregon consistently ranks among the states with the most bike-friendly infrastructure, and it also boasts a high percentage of residents who actively choose to walk or cycle instead of driving.
This means that public safety for pedestrians and cyclists is a priority for locals, and that makes it easier for retirees to get around without relying on cars.
.stk-48360c5{background-color:#f1fcfc !important}.stk-48360c5:before{background-color:#f1fcfc !important}.stk-48360c5{margin-bottom:0px !important}Rich Cultural and Social SceneOregon State is home to many museums, art galleries, music venues, restaurants, and more.
There are plenty of opportunities for retirees who love being active in their community—there’s always something exciting happening around the corner!
.stk-03318cd{background-color:transparent !important}.stk-03318cd:before{background-color:transparent !important}.stk-03318cd{margin-bottom:0px !important}Easy Access to Fresh, Healthy FoodOregon has a long tradition of self-sufficient farming and ranching communities.
The fertile soil and temperate climate make it possible to grow an incredible variety of fruits and vegetables that would otherwise have to be imported from elsewhere.
Retirees who live in Oregon can take advantage of this wonderful bounty by visiting one of their local farmer’s markets, where they can pick up fresh produce, meats, cheeses, baked goods, and more right in the state where it was grown or raised.
If you’re looking for a retirement option that allows easy access to fresh, healthy food, then Oregon is a wonderful choice.
.stk-daa3b2c .stk-block-icon{flex-basis:50px !important}.stk-f2e8ad2 .stk--svg-wrapper .stk--inner-svg svg:last-child{height:26px !important;width:26px !important}.stk-f2e8ad2 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-f2e8ad2 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#c00909 !important}Cons of Retiring in OregonThe Beaver State is definitely a beautiful place to retire, but it’s not right for everyone.
If you have your heart set on setting up shop in Oregon, make sure you consider these drawbacks before you make a move:
.stk-a93afdd{background-color:#fdf6f6 !important}.stk-a93afdd:before{background-color:#fdf6f6 !important}.stk-a93afdd{margin-bottom:0px !important}Difficult Housing MarketThe state’s housing can be difficult for seniors looking to move, which is one of the bad things about Oregon.
Many seniors wish to downsize to a smaller home when they retire, but with a limited housing supply, finding an affordable house can be extremely difficult and competitive.
For one, there aren’t enough homes for sale to meet the demand from homebuyers, so prices have risen far above historic norms.
New housing construction is also on the decline because of zoning regulations.
As a result, it’s difficult to find a home that fits within typical retirement budgets or when you’re on a fixed income.
This problem is most severe in major cities like Portland, where the median home price is $510,000 as of the first quarter of 2022.
.stk-82ed04e{background-color:transparent !important}.stk-82ed04e:before{background-color:transparent !important}.stk-82ed04e{margin-bottom:0px !important}Expensive Cost of LivingAccording to Upnest.com, Oregon ranks as the fifth most expensive state in the country for cost of living.
If you’re moving from somewhere expensive like New York, this may not be a huge shock to you—but you’ll still want to be prepared for how little your dollar will buy here.
One example: the average cost of groceries here is 28 percent higher than the national average.
Another: healthcare costs here are almost 25 percent higher than they are in other states.
.stk-92b9ee8{background-color:#fdf6f6 !important}.stk-92b9ee8:before{background-color:#fdf6f6 !important}.stk-92b9ee8{margin-bottom:0px !important}Risk of EarthquakesRetiring in Oregon means accepting the risk of earthquakes because it sits on top of several major fault lines, including Cascadia and Juan de Fuca.
The Pacific Northwest has a history of seismic activity dating back centuries. The last major quake occurred in 1700 and measured 9.0 on the Richter scale.
The next big one could happen tomorrow or hundreds of years from now—there’s no way to predict when it will occur, so prepare for the possibility that your new home could be damaged by an earthquake during your retirement years.
.stk-d9326be{background-color:transparent !important}.stk-d9326be:before{background-color:transparent !important}.stk-d9326be{margin-bottom:0px !important}High Income Tax RateOregon has a high-income tax rate for residents. For example, the top tax rate for people who earn more than $125,000 is 9.9%.
Once you retire and are no longer earning an income in Oregon, you may be eligible for lower rates, but tax rates in this state are higher than average for retirees as well.
If you have been saving for retirement your entire life and worked hard to have a substantial nest egg, this may not be the best place for you to retire.
This can affect your monthly budget severely and may mean that you do not have enough money for monthly expenses or medical bills.
.stk-0559191{background-color:#fdf6f6 !important}.stk-0559191:before{background-color:#fdf6f6 !important}.stk-0559191{margin-bottom:0px !important}Above Average Crime RateThe crime rate in Oregon is higher than the national average. Aside from violent crimes, property crimes are on the rise statewide.
This is partially due to drug addiction and homelessness in cities across the state.
When considering moving to Oregon, it might be important to look at crime statistics in the area you plan on living in so that you know what to expect when it comes to safety there.
.stk-3bf75fd{background-color:transparent !important}.stk-3bf75fd:before{background-color:transparent !important}.stk-3bf75fd{margin-bottom:0px !important}Traffic CongestionCongestion on roadways, especially in big cities like Portland, can also be a problem for active seniors who like to stay out and about in their community.
While most major cities have public transportation options, these aren’t always suitable for people who need extra assistance getting around or who may require accessible vehicles for mobility purposes.
7 Most Popular Areas to Retire in OregonWith so many places in Oregon to choose from, it can be difficult to decide where to retire.
To help you make your decision, we’ve ranked the top seven cities in Oregon based on factors such as overall quality of life, senior population, crime rate, air quality index, and more:
Bend, Oregon
Nestled in Central Oregon between the Cascade Mountains and Ochoco National Forest is Bend—a rapidly growing city with plenty of outdoor recreation opportunities.
The city has a high percentage of seniors—23.8% of residents are 65 and over—and they enjoy a wide selection of amenities geared toward retired life.
You’ll find dozens of golf courses, miles of bike trails, and several retirement communities that offer assisted living services.
Bend also has an active arts community with an extensive public art program supported by tax dollars.
Salem, Oregon
Located about 45 minutes south of Portland along I-5, Salem is home to nearly 154,000 people.
The state capital features beautiful parks, a great downtown area, and plenty of culture and arts.
But it’s also a great place to retire because it offers more affordable housing than Portland does.
Eugene, Oregon
When it comes to the most popular places to retire in Oregon, Eugene ranks among the top choices.
The city has many perks that make it an ideal place to settle down.
For starters, Eugene offers a small-town feel while also providing all of the amenities of a big city. The cost of living is modest and Eugene offers a wide range of housing options at various price points.
Retirees also love that Eugene is home to endless year-round outdoor activities and attractions.
In addition to skiing and hiking throughout the mountains near the town, you can also enjoy fishing along the McKenzie River in springtime or visiting one of the many wineries in the area during summertime.
Corvallis, Oregon
is a much smaller city than Eugene, but it has a lot going for it, particularly if you’re a retiree who is looking to settle down in a friendly community.
The heart of the city is charming and filled with great shops and restaurants. The cost of living is considerably lower than both Portland and Eugene.
Public transportation isn’t as extensive as in some other places, but there are options to get where you need to go.
And, of course, there’s the college — Oregon State University — which gives you access to an impressive number of concerts, speakers, and other cultural events.
Medford, OregonThe city of Medford, Oregon, is a popular retirement destination because it’s located in the heart of the Rogue Valley.
This area is ideal for retirees who love to explore new places and are always looking for an adventure.
Medford features many parks, hiking trails, rivers, and lakes that make it a great place to enjoy nature. There are also plenty of opportunities for residents to participate in outdoor sports and recreational activities.
Medford is surrounded by several cities with their own unique character.
Ashland, which is home to the Oregon Shakespeare Festival, offers cultural entertainment throughout the year. Jacksonville is filled with historical landmarks and museums that provide interesting insight into the region’s past.
Grants Pass, OregonIf you’re looking for a small town with lots of Southern hospitality, consider Grants Pass.
With a population of around 36,000, it’s considered one of the best small cities to retire in Oregon.
The town is located along the Rogue River and has several parks and natural spaces surrounding it.
The nearby Applegate Valley is home to wineries and vineyards that produce some of the state’s best wines.
Many retirees choose to live here because of its affordable cost of living, low crime rate, and great weather.
In addition, there are several excellent assisted living facilities and nursing homes here that provide quality care for seniors.
Roseburg, OregonThis city in western Oregon has a slightly larger population than Grants Pass — about 22,000 people — but it offers many advantages for older adults who want to stay active in retirement.
It’s known as being one of the most affordable places to live in the state, with low housing costs and moderate taxes that help keep expenses down.
Roseburg also has many outdoor activities to enjoy year-round. The Umpqua River runs through this area, making it perfect for fishing, kayaking or simply enjoying the scenery.
There are plenty of golf courses scattered around the city, too.
5 Other Great States to Spend Your RetirementOregon is one of the most popular retirement destinations in the country.
Still, it’s not the only state with great amenities and an accommodating tax structure for retirees.
These five states have many of the same benefits as Oregon and are attracting a lot of retirees for good reasons:
FloridaThe Sunshine State has lots to offer: oceans, beaches, golf courses, and more – plus an amazing tax structure.
Florida has no state income tax, which is one reason it’s so popular with retirees.
Residents over the age of 65 can also take advantage of exemptions on property taxes and school taxes.
There are also programs to help senior citizens pay for prescription drugs and home-delivered meals.
VirginiaVirginia offers a lower cost of living than many other East Coast states. The state has a low sales tax rate, as well as property tax deductions for senior citizens, disabled veterans, and others.
Virginia is known for its mountains and beaches, with Shenandoah National Park in the northwest region of the state.
New HampshireIn New Hampshire, retirees get a break from the state income tax.
You can exclude up to $2,400 on your annual pension or retirement income. Retirees also don’t pay taxes on Social Security, military pension, or railroad retirement benefits.
The Granite State is one of the healthiest in the country according to America’s Health Rankings data from 2014 — and it has been since 1990 — so you can rest assured that you’ll receive quality healthcare services at affordable prices here.
Plus, retirees who enjoy spending time outdoors will love New Hampshire for its proximity to the Appalachian Trail and the White Mountains National Forest.
ArizonaArizona has long been considered a haven for retirees because of its warm weather and low cost of living.
Arizona has below-average property and tax rates compared to other states, with no estate or inheritance taxes.
The state also has a good economic outlook with plenty of job opportunities in healthcare and other high-growth industries, if you ever decide to come out of retirement and join the workforce again.
MinnesotaMinnesota is known as the Land of 10,000 Lakes, but what many don’t know is that it’s considered one of the best states for retirement because of its above-average amenities and access to health care.
The average cost of living in Minnesota is $46,716 per year for retirees or about $3,893 per month.
Additionally, the state has been recognized as a top destination for older adults to age in place because of its social environment and housing affordability.
10 Things That Make a Place Perfect for Retirees
Whether you ultimately decide on Oregon or not, there are 10 things you should look for when evaluating a potential place where you’ll retire:
Clean airOne of the most important things you need is clean air, especially if you have health concerns, such as asthma or emphysema.
You can find out how clean the air is in any city by looking at the American Lung Association’s State of the Air report.
Plenty of sidewalks and walking pathsWalking is one of the best forms of exercise for seniors, so look for places that provide trails and sidewalks for people who want to get out and get some exercise.
Access to quality healthcareEven if you’re currently healthy, as a senior you’ll want access to quality healthcare in case you need it in the future.
Look for cities with many highly rated hospitals and medical facilities.
An active cultural lifeLook for a community with plenty of activities that interest you, such as art galleries, museums, music venues, and more.
It’s also important that there are activities available specifically designed for seniors so they can participate in special events just for them.
Many interesting restaurantsWho doesn’t enjoy a nice meal out? Whether you’re looking for fine dining or a quick bite, having plenty of restaurant options is a big plus when choosing a place to retire.
It’s also important if you have children or grandchildren who come to visit often.
Low crime rateNothing will ruin your retirement faster than living in an unsafe neighborhood.
When researching different cities, check their crime rates online so you can be sure of your safety.
Look at the number of violent crimes per 100,000 residents and do some comparison shopping between places.
Good weatherIt’s hard to overstate how much nicer retired life will be if you don’t have to worry about shoveling snow every winter or moving around in the hot sun most days of the summer.
Look for a place with mild winters and warm summers — and low rainfall all year round is always nice too.
Availability of golf courses and country clubsGolf courses and country clubs are excellent places for seniors to meet up with friends and make new ones.
They’re also great places for seniors to stay active without having to go on long treks through the wilderness — especially if they join a club that has a spa or gym attached to it.
Plenty of senior-friendly amenities in the areaSenior communities tend to have a lot of resources geared toward older adults: grocery stores with senior discounts, restaurants with senior menus, and senior centers where retirees can hang out and make new friends.
The best place for seniors to retire will have all of this close at hand — preferably within walking distance, if possible.
A safe, reliable mass transit systemEven if your retirement budget is limited, it’s important to have access to transportation options that can connect you with friends and resources outside your immediate neighborhood.
Ideally, these options should be available at an affordable cost or even free for seniors on fixed incomes.
Verdict: Is Oregon a Good State to Retire To?You’ve worked hard your whole life, and you deserve to spend your retirement in a beautiful, comfortable, safe city that’s also fun.
Oregon is a fantastic state for retirees, but only if you can afford the high cost of living, housing prices, and choose an area with a low crime rate.
Otherwise, the other states on our list may be a better fit but there are 40+ states you can consider.
To help you narrow down your options, evaluate each place based on the 10 factors we discussed above.
The post Living in Oregon pros & cons: Should you retire in Oregon? appeared first on Retirement Savvy.
March 19, 2022
Pet assistance for low-income families: X free or cheap vet services
When your pets start to act strange and uneasy, worrying becomes inevitable. Your urge to bring them to the nearest veterinary clinic becomes uncontrollable. Unfortunately, looking for cheap animal hospitals can be difficult.
What can you do if you can’t afford a vet? Especially in emergency cases, you might not be financially prepared for the expenses you might incur.
Apart from worrying about vet costs, you also need to worry about spay and neuter costs, along with other necessities like pet food. Expenses can quickly pile up.
To help you and your pet find cheap and free veterinary services, we’ve searched the web for budget-friendly clinics and foundations. Scan through these so that you won’t have to worry about both your pet and your wallet.
1. AVMF Veterinary Care Charitable Fund (VCCF)
The American Veterinary Medical Foundation (AVMF) enables veterinarians to help financially-constrained clients whose pets are injured or rescued from neglect. Pet owners should apply for grants through their veterinarian.
.stk-35029b2{box-shadow:none !important}.stk-f70206f-container{background-color:rgba(246,246,246,1) !important}.stk-f70206f-container:before{background-color:#f6f6f6 !important}.stk-f70206f-container{box-shadow:none !important}Eligibility CriteriaDisabled veterans in need of service dogsLow-income senior citizensRescuers of domesticated animalsDomestic violence victims.stk-f01550d-container{background-color:#f6f6f6 !important}.stk-f01550d-container:before{background-color:#f6f6f6 !important}.stk-f01550d-container{box-shadow:none !important}BenefitsFree or low-cost surgeriesGeneral medical careLimited reimbursements for treatment expenses (direct care or shelter only).stk-0a94b28{background-color:#f3fbf9 !important}.stk-0a94b28:before{background-color:#f3fbf9 !important}.stk-0a94b28{box-shadow:none !important}.stk-7ca6822 .stk-block-icon{flex-basis:50px !important}.stk-8183b34 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-8183b34 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyLog in to the application systemFill out the mandatory fields in your online applicationDownload and print your applicationSubmit your application and wait for the automated confirmation email2. Brown Dog Foundation
In memory of Chocolate Chip, a dog who died of lymphosarcoma, Brown Dog Foundation was founded in October 2006 to provide help to sick pets who can still be saved by treatment.
.stk-5815e45{box-shadow:none !important}.stk-c2eaf49-container{background-color:rgba(246,246,246,1) !important}.stk-c2eaf49-container:before{background-color:#f6f6f6 !important}.stk-c2eaf49-container{box-shadow:none !important}Eligibility CriteriaPets whose lives are at riskPets with ongoing treatment due to immediate danger.stk-4d61369-container{background-color:#f6f6f6 !important}.stk-4d61369-container:before{background-color:#f6f6f6 !important}.stk-4d61369-container{box-shadow:none !important}BenefitsCashReferral to lower-cost alternatives.stk-db944e2{background-color:#f3fbf9 !important}.stk-db944e2:before{background-color:#f3fbf9 !important}.stk-db944e2{box-shadow:none !important}.stk-9346317 .stk-block-icon{flex-basis:50px !important}.stk-f941409 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-f941409 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyComplete the online “apply for assistance” surveyOnce notified that for pre-qualified for assistance, complete the online Application for AssistanceProvide additional information to the Case ManagerReceive the Letter of Commitment signed by the Board President and delivered thru email3. Cooper’s Legacy Foundation
With hopes of bringing medical attention to pets in need, Cooper Legacy Foundation was founded after its namesake, the Great Pyrenees who suffered from bilateral cranial cruciate ligament tears.
.stk-908f6d3{box-shadow:none !important}.stk-267cf9b-container{background-color:rgba(246,246,246,1) !important}.stk-267cf9b-container:before{background-color:#f6f6f6 !important}.stk-267cf9b-container{box-shadow:none !important}Eligibility CriteriaNon-emergency situationsCompanion dogs and cats living in Washington or Idaho Pets with no chronic illnessUpdated vaccinations Licensed, if required by city/county.stk-5549f97-container{background-color:#f6f6f6 !important}.stk-5549f97-container:before{background-color:#f6f6f6 !important}.stk-5549f97-container{box-shadow:none !important}BenefitsFinancial assistanceSupport for treatments (to be completed either in Whitman or Latah County).stk-850fd75{background-color:#f3fbf9 !important}.stk-850fd75:before{background-color:#f3fbf9 !important}.stk-850fd75{box-shadow:none !important}.stk-0aff12f .stk-block-icon{flex-basis:50px !important}.stk-4d168f4 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-4d168f4 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyFill out the online preliminary application formAnswer additional questions from the foundationAwait for approval of your request4. Dylan’s Hearts
Founded in 2013 in honor of golden retriever Dylan diagnosed with lymphoma, Dylan’s Hearts aims to help financially struggling families provide treatment to their pets under critical situations in partnership with vet clinics.
.stk-d5d5494{box-shadow:none !important}.stk-40b397d-container{background-color:rgba(246,246,246,1) !important}.stk-40b397d-container:before{background-color:#f6f6f6 !important}.stk-40b397d-container{box-shadow:none !important}Eligibility CriteriaPets in need of urgent medical carePets with diagnosis and treatment planPets with a favorable prognosisApplicant agrees to update and give photos of pets.stk-41c0e6b-container{background-color:#f6f6f6 !important}.stk-41c0e6b-container:before{background-color:#f6f6f6 !important}.stk-41c0e6b-container{box-shadow:none !important}BenefitsImmediate careAssistance for treatmentsAssistance for cancer patients.stk-aae99b3{background-color:#f3fbf9 !important}.stk-aae99b3:before{background-color:#f3fbf9 !important}.stk-aae99b3{box-shadow:none !important}.stk-a12bac2 .stk-block-icon{flex-basis:50px !important}.stk-b199519 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-b199519 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyReview eligibility requirementsPrepare favorable prognosisAsk your veterinarian to fill out the online application form5. Harley’s Hope Foundation
Following the death of the founders’ dog, Harley, in 2010, Harley’s Hope Foundation was created to financially support pet owners and their companion animals in their fight against illnesses.
.stk-b02eb11{box-shadow:none !important}.stk-a6fdfe0-container{background-color:rgba(246,246,246,1) !important}.stk-a6fdfe0-container:before{background-color:#f6f6f6 !important}.stk-a6fdfe0-container{box-shadow:none !important}Eligibility CriteriaWith routine veterinary careWith diagnosis, prognosis, and estimate from the veterinarianWith proof of financial need.stk-63f3e16-container{background-color:#f6f6f6 !important}.stk-63f3e16-container:before{background-color:#f6f6f6 !important}.stk-63f3e16-container{box-shadow:none !important}BenefitsVeterinary AssistanceDog and cat food deliveryDrive-Up PantriesVouchers for chronically ill petsFund for service animals Short-term emergency foster care for animals living with hospitalized seniors in Pikes Peak RegionOld Pet Parent Service for owners 50 y/o and older.stk-69ad3d1{background-color:#f3fbf9 !important}.stk-69ad3d1:before{background-color:#f3fbf9 !important}.stk-69ad3d1{box-shadow:none !important}.stk-77f5052 .stk-block-icon{flex-basis:50px !important}.stk-5d09fca .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-5d09fca .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyObtain diagnosis, prognosis, and estimate from your veterinarianComplete the online general veterinary assistance application Wait for approval of your request6. Hope Mending Hearts
Hope Mending Hearts was founded by veterinarian Dr. Tara Brooks. She has given out as much as $100,000 in providing pet assistance for low-income families needing emergency surgery.
.stk-a587af0{box-shadow:none !important}.stk-02878fc-container{background-color:rgba(246,246,246,1) !important}.stk-02878fc-container:before{background-color:#f6f6f6 !important}.stk-02878fc-container{box-shadow:none !important}Eligibility CriteriaWith life-threatening illness With favorable prognosisSpayed or neutered (if not, must express intent upon submission of application).stk-fd2dd38-container{background-color:#f6f6f6 !important}.stk-fd2dd38-container:before{background-color:#f6f6f6 !important}.stk-fd2dd38-container{box-shadow:none !important}BenefitsFinancial assistanceUrgent veterinary careAdditional resources for victims of domestic violence.stk-87fb3da{background-color:#f3fbf9 !important}.stk-87fb3da:before{background-color:#f3fbf9 !important}.stk-87fb3da{box-shadow:none !important}.stk-eda5687 .stk-block-icon{flex-basis:50px !important}.stk-098582a .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-098582a .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplySecure favorable prognosisEnsure that your pet was spayed/neuteredAnswer the online grant applicationWait for the check to be given to your veterinary clinic7. Ian Somerhalder Foundation
Actors Ian Somerhalder and Nikki Reed’s passion to make the world better gave birth to the Ian Somerhalder Foundation. They offer programs and grants for education, creatures, the environment, and youth.
.stk-647d279{box-shadow:none !important}.stk-89a2c19-container{background-color:rgba(246,246,246,1) !important}.stk-89a2c19-container:before{background-color:#f6f6f6 !important}.stk-89a2c19-container{box-shadow:none !important}Eligibility CriteriaEligibility is based on pre-identified areas, including the following:
MississippiColoradoNew MexicoPennsylvania.stk-e2fc96c-container{background-color:#f6f6f6 !important}.stk-e2fc96c-container:before{background-color:#f6f6f6 !important}.stk-e2fc96c-container{box-shadow:none !important}BenefitsSpaying and neuteringCheckupsDewormingVaccinesFlea and tick preventionAwareness campaigns.stk-70ce5d0{background-color:#f3fbf9 !important}.stk-70ce5d0:before{background-color:#f3fbf9 !important}.stk-70ce5d0{box-shadow:none !important}.stk-195a454 .stk-block-icon{flex-basis:50px !important}.stk-3456b95 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-3456b95 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyKeep updated about the areas visited by the foundationConnect with the foundation’s partner veterinarian team8. International Association of Assistance Dog Partners (IAADP)
IAADP is a non-profit, cross-disability organization launched in 1993 to represent people partnered with guide, hearing, and service dogs.
.stk-be4e99d{box-shadow:none !important}.stk-5b9dec9-container{background-color:rgba(246,246,246,1) !important}.stk-5b9dec9-container:before{background-color:#f6f6f6 !important}.stk-5b9dec9-container{box-shadow:none !important}Eligibility Criteria (For partner members only):Person with disabilityInterest in the assistance dog community Working with a trained adult guide, hearing or service dog from a provider or owner-trained .stk-15382e0-container{background-color:#f6f6f6 !important}.stk-15382e0-container:before{background-color:#f6f6f6 !important}.stk-15382e0-container{box-shadow:none !important}BenefitsGlobal information sharing and advocacy networkInternational Help-line WorkshopsNew member packet.stk-cd75dd0{background-color:#f3fbf9 !important}.stk-cd75dd0:before{background-color:#f3fbf9 !important}.stk-cd75dd0{box-shadow:none !important}.stk-5a5cc64 .stk-block-icon{flex-basis:50px !important}.stk-c384790 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-c384790 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#0da31f !important}How to ApplyEnroll or renew membership onlinePrint out the application form and send it to:IAADP c/o Dana Spears
PO Box 638
Sterling Hts, MI 4831
Pay membership duesOther Cheap or Low-Cost Vet Care Options
There are also alternative ways to take care of your pets’ needs without having to spend a lot. Here are a few options to consider:
1. Use CareCreditThough subject to approval, CareCredit also offers veterinary financing with minimum monthly payments. Ask your enrolled providers for details.
2. Look For Veterinary SchoolsThere are multiple vet schools that offer pet care. For mild cases, you can bring your pet here. Veterinary students are supervised by doctors to provide your needed pet care for a much lower cost, if not free at all.
3. Shop AroundYou would want to just buy the first thing you see, especially if your pet needs it already. However, you can always save a dollar or so by finding the cheapest buy in town.
4. Negotiate PaymentSome veterinarians are open to payment negotiations and payment plans. If you pass their criteria, you can spread a huge expense into several months.
5. Consider Cheaper PrescriptionsAs long as they’re safe, asking for alternatives won’t hurt. On the contrary, it might help with budgetary constraints.
6. Protect Their HealthWe’re sure you’ve been going the extra mile to take care of your pet, but taking it up a notch might help you prevent additional expenses by being proactive in maintaining their hygiene and buying them some vitamins.
7. Utilize Vet Care From BenefitsFor pet owners on benefits, you can check from your local area if you can be entitled to cheap (or even free) vet fees. This can also come along with subsidies on procedures like neutering schemes.
ConclusionTaking care of sick pets can cause a lot. Luckily, there are multiple options for free emergency vet care. Reach out to the clinics and foundations in this list, and they can be the fairy godmother for your needed pet care.
The post Pet assistance for low-income families: X free or cheap vet services appeared first on Retirement Savvy.
March 6, 2022
Can you make $1,000 a week as Uber Eats driver?
If you’ve been looking for ways to make some extra cash, then you may have heard that you can make good money driving for Uber Eats. Some Uber Eats drivers show off their earnings of $1,000 or more per week on social media, and you may be wondering if this is something that’s possible for you too.
But is it true? Can you really make $1,000 a week driving for Uber Eats? The answer is yes, but it’s not as easy as just signing up and hitting the road.
In this step-by-step guide, we will discuss the basics of how to get started and how much money you can expect to make delivering for Uber Eats.
Based on the feedback and reviews of real Uber Eats drivers, we’re also going to break down what exactly you need to do to maximize your earnings as an Uber Eats delivery driver.
So, whether you’re wondering if you can make a living off Uber Eats or you’re looking for ways to increase your earnings, this article is for you! Let’s get started.
Step 1: Sign-up as an Uber Eats Delivery DriverThe first step is to sign up for Uber Eats as a delivery driver.
So, what is Uber Eats? Uber Eats is a food delivery service that allows customers to order food from local restaurants and have it delivered to their doorsteps.
If Uber Eats is available in your city, you can download the app on your phone on iOS or Google Play and follow the instructions to apply as a driver.
Depending on where you live, you can apply as an Uber Eats delivery driver if you have a car, a scooter, or a bicycle.
Take note that the requirements are different depending on your mode of transportation.
Uber Eats Car Delivery Driver QualificationsYou must meet the minimum age to drive in your city.You must have a 2-door or 4-door car.You must have a valid driver’s license in your name.You must submit your Social Security number for background screening.Uber Eats Scooter Delivery Driver QualificationsYou must be at least 19 years old. You must have a motorized scooter under 50cc.You must have a valid driver’s license in your name.You must submit your Social Security number for background screening.You must choose “Delivery by scooter” under transportation methods when signing up.Uber Eats Bicycle Delivery Driver QualificationsYou must be at least 18 years old. You must have a government-issued ID.You must have a valid driver’s license in your name.You must submit your Social Security number for background screening.You must choose “Delivery by bicycle” under transportation methods when signing up.If you meet the qualifications listed above and are able to pass the background screening, then you can start working as an Uber Eats delivery driver.
Is Uber Eats a good side job? Yes.
The main advantage of being a delivery driver for this platform is that you’re your own boss. You can work whenever you want and set your own schedule, making it ideal if you have another day job at the same time.
How about for people who are looking for this gig as their main source of income? Can you make a living off Uber Eats?
The answer is also yes. There have been many success stories of people who have made a full-time income driving for Uber Eats.
But as with anything, there are also some drivers who haven’t had as much success.
In the next steps, we’ll talk about how you could make this job your primary source of income. and how to maximize your earnings as an Uber Eats delivery driver.
Step 2: Understand the Pay Structure of Uber Eats and Calculate How Much Money You Can MakeHow can you make $200 a day with Uber Eats? Is it possible to make $1,000 a week delivering with Uber Eats?
These are just some of the frequently asked questions from people who are interested in becoming a delivery driver or from newbie drivers who are struggling to reach this amount.
Before we answer these questions, it’s important for you to have a clear understanding of how much you can make as an Uber Eats delivery driver. So, let’s take a look at the pay structure for drivers.
The way you’re paid as an Uber Eats driver is based on the distance of your delivery and the time it takes you to make the delivery.
When you get a request, it will show the following information:
Guaranteed Minimum Fee with an indication if it includes expected tipEstimated delivery time in minutesDistance and map showing the delivery address from the restaurant pick-up pointFor example, the request can look like this:
$4.75 includes expected tip16 minutes (1.9 mi) totalPick up and drop off address
The Guaranteed Minimum Fee is calculated to include the following:
Base Fare – this fare includes the pick-up, drop-off, time, and the distance covered.Trip Supplement – an additional amount that could be included on top of the base fare to make the trip more attractive to drivers.Promotion – Surge and Boost promos that are available in selected cities during high-demand delivery times and holidays.Tips – 100% of the tips go to the delivery driver and customers have 1 hour to adjust their tips.Average Uber Eats Delivery Drivers Pay Per HourAccording to the top job site Indeed, an Uber Eats delivery driver can earn an average of $14.65 per hour, with $7 as the minimum and $30 as the maximum.
Another job site Glassdoor estimates the hourly earnings of Uber Eats drivers at $16 per hour.
So, if you want to make $100 with Uber Eats, it will take you 6 to 8 hours if you’re earning like the average delivery driver.
You have to be aware, however, that as an independent contractor, you have to pay for your own operating expenses, which include the cost of your vehicle, maintenance, gasoline, etc. You also have to be responsible for paying your own taxes.
So, when you factor in gas, taxes, and other expenses, Small Business Trends estimate earnings to range from $8 to $12.
However, this isn’t set in stone. Depending on your location and how you strategize your delivery approach, you can earn as much as the $30 per hour earned by top drivers.
Calculating How Much You Can Make as an Uber Eats Delivery DriverNow that you know how the pay structure works, it’s time to calculate how you can make $1,000 a week as an Uber Eats delivery driver. For the purpose of this article, however, let us calculate your potential earnings BEFORE expenses and taxes.
If we use the $15 per hour average as a benchmark of your hourly income, this means that to reach $1,000, you will need to work:
67 hours a week – $15 x 67 = $1,005 or 9.6 hours a day for 7 days a week or 13.4 hours a day for 5 days a weekNow, if you don’t have the time or the energy to work that many hours, you have to set a target of increasing your minimum hourly earnings. If you can earn more than $15 per hour, this will greatly reduce the time that you need to work.
If you earn $20 per hour, this means only working 50 hours a week. While $30 per hour means only working around 34 hours a week.
So how can you achieve that? The next steps will show you how.
Step 3: Set Your Working Schedule to Peak Delivery Times
One of the best tips from seasoned delivery drivers is to schedule your shift to peak delivery times. This will depend on your city or area so it will be useful to research beforehand so you know when are the busiest times for deliveries.
Here are a few tips that can help you decide on how to choose your working hours with Uber Eats:
Work During High-Demand Delivery PeriodsGenerally, the lunch and dinner hours plus the weekends would be the busiest periods with a steady flow of orders. If you only have a couple of hours free a day or just looking for a way to make money in your free time, choose to work during these periods.
Avoid Traffic Hours that Can Slow Down Your DeliveryYou would also want to take into account the traffic conditions in your city. Knowing when the rush hour is and avoiding those areas can help you stay on schedule with your deliveries.
Consider Working the Late Night ShiftIf you’re considering an 8- to 12-hour shift, working from 8 p.m. to 8 a.m. is a good option. This will allow you to cover dinner orders, late-night orders, and the morning breakfast rush as well.
The advantage is that since there are fewer drivers on the road, this will enable you to complete more deliveries faster.
Know When Boost and Surge Promos Are Taking PlaceBoost and Surge promos are periods when Uber offers a multiplier on the regular fare. This means that you can earn more for each delivery.
To make sure that you’re taking advantage of these promos, be sure to check the app regularly so you’ll know when to start working.
Step 4: Map Out Your Delivery AreaAnother important factor to consider is where you want your service area to be. Mapping out your delivery area means identifying certain places, streets, and communities where you want to pick up and drop off food deliveries.
Another way to look at it is to think of your delivery area as your ‘turf’. If you’re working within a certain area, it would be more advantageous to concentrate your deliveries within that area.
This will help minimize the time spent on traveling from one order to another. For instance, some drivers only stay within a 5- to 8-mile radius.
You’ll also be able to familiarize yourself with the restaurants, restaurant staff, and even frequent customers in that area. When you have turf, this can make it easier for you to speedily complete orders and gain more tips from familiar customers.
When choosing a delivery area, here are some tips from long-time Uber Eats drivers:
Choose areas with a high density of restaurants and residential areas.Focus on family residential areas and business districts where customers tend to tip more compared to areas with larger student populations.Take note of areas and buildings where parking is difficult or places like apartment buildings where it takes a long time to drop off the order. Avoid these areas or requests in the future.Don’t go beyond your turf or delivery map because you could end up spending more time traveling.Step 5: Strategize Which Orders to AcceptFor many newbie Uber Eats drivers, the common mistake is just to accept every order or request that they receive. But doing this can be quite inefficient.
While declining orders can affect your acceptance rate, you’ll be relieved to know that Uber doesn’t display this any longer on your profile.
So why is it important not to accept all requests? A lot of times, you’ll receive requests where the guaranteed fee is extremely low and the amount of time you need to complete the order will be long. If you keep accepting such requests, you’ll end up not earning your target of $1,000 a week.
For example, if you receive a request worth $4.00 and it will take you 20 to 30 minutes to complete it, that’s already half an hour gone. That doesn’t include the time waiting for the order from the restaurant, waiting for the customer, and other unexpected delays.
If you accept two orders at the same rate, then you could end up just earning a minimum of $8.00 for one hour, before your expenses. Unless the customer gives you a large tip, which is often not the case for small orders, then working that hour would not be worth the effort.
So, how do you decide which orders to accept? Is there a more effective Uber Eats income calculator that you can use?
Again, it will depend on your delivery city, but here are some tips to help you determine which orders to accept:
Since you can only realistically complete an average of 3 deliveries per hour, this means that you need to earn $7 to $10 for a 20-minute delivery to get your $20 to $30 per hour target. If a request pays lower than that or will take longer, decline and wait for a new request.Always remember which areas take more time and avoid these requests. For example, if you had a terrible experience at an apartment building where it took forever to get upstairs, then decline any future requests from that area.Prioritize restaurants that always have their food ready, friendly staff, and high-demand for orders. If you have a turf area, be friendly with restaurant staff. This can help to have your orders expedited so you can deliver promptly.Keep track of how much time each delivery takes you and factor that into your decision-making. For example, a 20-minute trip to an area that you’re not familiar with could take much longer. So it might be better to accept a smaller job that you know will take 10 minutes or less. Step 6: Maximize Your Tip Earning PotentialHere’s an open secret that many newbie Uber Eats delivery drivers don’t know: The quickest way to reach your $1,000 a week goal is not by working 60+ hours a week, rather, it’s through tips.
Your tips will make a huge difference in your earnings. Many Uber Eats drivers shared on Quora and Reddit threads that depending on your location, it’s possible to increase your weekly earnings by up to 30% to 40% by getting more or higher tips.
Here are some ways to maximize your tip earning potential:
Optimize your Uber Eats Driver profile by adding a clear, friendly-looking profile picture and witty “Why I Deliver” caption.Deliver excellent customer service. Be prompt, smile, and greet the customer by name when they open the door. This small gesture will show them that you appreciate their business and they may be more likely to leave a larger tip. This is especially important if you have a turf where you deliver to the same customers.Focus on getting more deliveries in an hour because more deliveries mean more tips. Even if it’s a smaller job, as long as it will only take a short time, you can accept it if it means getting more tips from different customers.Step 7: Minimize Your Daily ExpensesEven if you’re on your way to earning $1,000 a week with Uber Eats, this will be a useless effort if you’re spending a huge chunk of that on expenses.
To minimize your expenses, consider these practical pieces of advice:
Use a fuel-efficient vehicle to save on gas expenses. If you’re delivering in a high car traffic area, consider a scooter or bicycle to avoid delays and keep your fuel expenses low.Make sure to track your expenses to have a clear idea of how much you’re spending. You can download an app or print a free printable budget template for this purpose.Consult an accountant or tax adviser on how you can get tax breaks like standard mileage deduction and expenses for operating your vehicle.Bring your own food and snacks so you can save time and money while working.If you’re driving long hours as a delivery driver, you can also check out Wrapify and other car advertising options to make extra money.BONUS TIP: Sign up for Similar Apps to Make Up for Slow PeriodsIf you live in an area where Uber Eats requests are slow or there are a lot of drivers, it’s a good idea to sign up for other food delivery apps like DoorDash or Postmates. This practice is often called “multi-apping”. This can maximize your downtime so you’re always on the go.
Earn Up to 41,000 as an Uber Eats Delivery DriverEarning $1,000 a week as an Uber Eats delivery driver is possible. However, it takes serious hustle, commitment to excellent customer service, and hours of driving. But if you’re up for the challenge, it’s definitely doable.
The post Can you make $1,000 a week as Uber Eats driver? appeared first on Retirement Savvy.
How many hours do you spend working full-time in a year?
Although you make relatively more than your peers, your job demands your undivided attention seven days a week. It seems like you spend most of your week at the office. You might even find yourself wasting most of your salary on fuel, takeout meals, and coffee at work.
For this reason, you’ve decided to check if you’re getting fair compensation for the amount of work you put in. However, you’re not sure how to compute your annual working hours.
If you find yourself in a similar situation, don’t worry. We can help! Our team reviewed various case studies to create a straightforward, comprehensive guide explaining the number of hours Americans spend working.
Read until the end to learn how to compute your work hours accurately. Clocking in and out of work without regard for your workday bloats your daily expenses and puts you at risk of unfair compensation.
Who knows? You might already be spending too much time working for a lower salary without your knowledge.
Let’s start calculating your total working days in a year!
How Many Work Hours Are There in a Year?When computing annual working hours, most employees generally assume that one year has 52 weeks. As such, a year would have 2,080 work hours.
Although referencing a whole number makes calculations simpler, it generates inaccurate results. You’ll get slightly different rates if you round off the number of weeks in a year.
Technically, the standard work hours in a year are as follows:
Time FrameWeeks (rounded off by the third decimal point)Annual Working Hours (rounded off by the second decimal point)Calendar Year52.143 weeks2085.72 hoursLeap Year52.286 weeks2091.44 hoursKeeping these numbers in mind, we strongly encourage calculating your work hours by the third or fourth decimal for accurate, reliable results. Otherwise, you might deviate by as much as a fraction of your true hourly rate.
FTE: Full-Time vs. Part-TimeFamiliarize yourself with the way your company computes the total working days in a year. Watch out for unfair employers that undercut their staff.
Although companies follow varying factors when computing their teams’ hourly rates, most HR admins and Chief Financial Officers (CFOs) prioritize the full-time equivalent (FTE). This calculated metric quantifies the amount of work an employee does.
You’ll reach your FTE by dividing your scheduled work hours by your employer’s full-time workweek. Full-time employees will need a minimum FTE of 1. Meanwhile, part-timers can maintain FTEs of 0.5 to 0.9, depending on their job descriptions.
For instance, let’s say your employer has set a full-time workweek of 40 hours. If you work 40 hours, you’ll get an FTE of 1. However, you’ll only get a 0.5 FTE if you only report to work 20 hours per week, which makes you a part-timer.
Companies use the FTE to gauge an employee’s profitability. From a business point of view, you’ll need a minimum FTE to offset the expenses your employer paid for hiring, onboarding, training, and employing you.
How to Calculate the Number of Work Hours in a Year
You can get an accurate, reliable estimate of your annual working hours by:
1. Counting the Weeks in the Calendar YearAs we mentioned above, rounding off the number of weeks in a calendar year to a whole number gives you inaccurate results. You’ll get around 2080 to 2091.44 work hours per annum.
If you need a reference for computing this and last year’s projected annual working hours, refer to the tables below:
2021No. of Working DaysNo. of Working HoursJanuary21 working days168 working hoursFebruary20 working days160 working hoursMarch23 working days184 working hoursApril22 working days176 working hoursMay21 working days168 working hoursJune22 working days176 working hoursJuly22 working days176 working hoursAugust22 working days176 working hoursSeptember22 working days176 working hoursOctober21 working days168 working hoursNovember22 working days176 working hoursDecember23 working days164 working hoursTotal261 working days2,088 working hours2022No. of Working DaysNo. of Working HoursJanuary21 working days168 working hoursFebruary20 working days160 working hoursMarch23 working days184 working hoursApril21 working days168 working hoursMay22 working days176 working hoursJune22 working days176 working hoursJuly21 working days168 working hoursAugust23 working days184 working hoursSeptember22 working days176 working hoursOctober21 working days168 working hoursNovember22 working days176 working hoursDecember22 working days176 working hoursTotal260 working days2,080 working hours2. Tracking Your WorkdayAfter counting the number of workweeks in your calendar year, it’s time to compute your typical workday.
Unfortunately, this data varies on a case-by-case basis. The only way to get an accurate result is to keep track of every hour you’ve spent working so far—or will spend working.
Once you’ve reached a number, multiply it by the number of working days stated in the table above. The result is an estimate of how much you’ve worked this year.
Note: Don’t round off your workdays. Include every minute that you spent at the office, even if you didn’t receive overtime compensation for it.
3. Totaling All Your Total Time Off HoursFinally, it’s time to compute your time off from work. Add all the paid time offs, planned leaves, paid holidays, and emergency leaves, then subtract the total from your annual working hours.
The more paid time off hours you have, the higher your average hourly rate.
The Importance of Measuring Work Hours Accurately
Admittedly, many find it tedious to track their annual working hours. If your job already imposes multiple urgent, high-priority demands daily, you might not even have the time to review your workday.
However, we encourage all employees to make time for this task. Allocating just 10 to 15 minutes every day for timekeeping yields several benefits, such as:
Setting Fair Salary ExpectationsIf you get paid by the hour, set your salary expectations based on the number of hours you spend at work.
Your annual salary is not fixed. If your employer’s full-time workweek only consists of 40 hours but your scheduled hours spiked to 50 hours, you should receive compensation for the 10-hour difference.
Also, familiarize yourself with your company’s overtime policies. Most employers pay their workers 1.5 to 2 times more for every hour spent working beyond the scheduled workday.
Managing Daily ExpensesYou might not realize it, but you probably spend most of your money at work. Considering the cost of transportation, food, clothing, daycare, and coffee, an entire workday could set you back by over $15 to $20.
To avoid overspending at work, manage your work hours. List all your expenses and keep track of which ones typically spike when you work overtime.
Planning Extracurricular ActivitiesDo you find yourself canceling trips and plans that you scheduled months prior? Change your working habits. Instead of just computing your standard work hours in a year, start reassessing your workweek.
Planning a weekend getaway shouldn’t take more than a few weeks. Regain control over your time so that you can go on dinner dates, night outs, and vacations without worrying about accumulating a backlog of work.
Making Time for Freelance Projects and GigsFreelancing serves as one of the simplest ways to make a few extra bucks on the side. You can almost double your income just by taking on two or three hours’ worth of projects every day.
However, one of the biggest roadblocks you’ll face is time. If you spend most of your weekdays on overtime, you wouldn’t have much time left to look for gigs—much less work on them.
How Many Hours Should You Work per Week?Hopefully, by comparing your standard work hours in a year versus your actual workdays, you’ll learn to spend your time efficiently.
Don’t blindly opt for higher salary offers. Earning 10% or 15% more than you currently do yields negligible benefits if it means sacrificing your free time.
Strive to maintain a healthy work-life balance. Work efficiently during the workweek to meet your career’s demands, but leave room for your friends and family.
Remember: you can always earn more money. However, time is a limited resource, and you’ll only have one shot to create unique, distinct memories with your loved ones.
The post How many hours do you spend working full-time in a year? appeared first on Retirement Savvy.
March 1, 2022
Best manufactured home communities: Mobile home parks for seniors
With your retirement years fast approaching, you’ve already started wondering where you should buy a mobile home for retirement or whether luxury mobile home parks exist. After all, retiring in senior-focused communities sounds like a peaceful life.
Several factors come into play when choosing where to retire. However, if you’re like most people, you’ll probably prioritize your budget—which is why manufactured homes are popular among retirees.
Sadly, there’s also a negative stigma revolving around these communities. The unconfirmed rumors and misunderstandings about mobile parks cause seniors to doubt their decisions.
If you find yourself on the fence about manufactured homes, don’t worry.
We researched the most reputable, widely known senior-focused manufactured home communities available to help you reach an unbiased, fact-based decision. This review compares options based on the cost of living, accessibility, and overall quality of life.
We’ll also discuss the pros and cons of manufactured homes. That way, you can objectively assess whether manufactured home communities will help you achieve your ideal retirement plans.
Read until the end. Otherwise, you might end up living in a housing option that you’ll eventually regret.
Let’s get started!
What Are Manufactured Homes?You might have come across the terms manufactured, modular, and mobile homes while researching retirement housing options. Although they’re often used interchangeably, they don’t mean the same things.
Manufactured HomesUnlike stick-built homes, manufactured homes are constructed in factories. They need very minimal work and installation upon arriving at their respective sites.
Generally, you can’t tell a well-built, properly constructed manufactured home apart from a site-built one after installation.
Yes, they were transported after construction. However, once you’ve set up the structure, you can’t quickly move it to different places anymore. So, you need to settle on a location.
Modular HomesModular homes and manufactured homes are both constructed in factories before being transported to their respective sites. You also can’t quickly distinguish them from stick-built homes.
However, they follow different construction guidelines. Manufactured homes abide by the federal construction codes of the United States Department of Housing and Urban Development (HUD), while modular homes follow local state building codes.
Mobile HomesThe HUD calls manufactured homes built before June 15, 1976, mobile homes. Residents typically position them in shared locations with accessible amenities—trailer parks.
They became obsolete following the HUD’s policy changes in 1976, and the HUD eventually replaced them with manufactured homes. You can no longer live in a mobile home.
Note: Many still use the terms mobile and manufactured home interchangeably, but don’t get confused. The former housing option no longer exists. All manufactured homes built after 1976 comply with the HUD policy changes, hence the government doesn’t categorize them as “mobile homes” anymore.
Retiring in Senior Manufactured Home Communities
Adults 55 and older retire in mobile home parks to save money. Private pensions and annuities in the U.S. average at $10,700, so it’s not unusual for retirees to focus on cost-efficiency.
Fortunately, manufactured homes serve as an affordable, practical housing option for downsizing. Per square foot, they only cost around $55, while a stick-built home would set you back by over $114 per square foot.
Although a manufactured home seems like an appealing, affordable housing option, don’t move into one until you carefully assess its impact on you and your family’s lifestyle.
Yes, they cost a fraction of detached homes. However, they’re not the most suitable choice if you need long-term property investments.
Don’t let the low construction costs cloud your judgment. To aid you with your home buying decision, we made a quick roundup of the advantages and disadvantages of moving into manufactured homes:
Pros of Retiring in Manufactured HomesCustomizable Space: Manufactured homes enable you to perform various renovation projects like interior renovations and room additions with ease.Senior-Focused Community: If you’re a retiree, you wouldn’t feel out of place. Many manufactured home communities focus on older adults over 55. Reports even show that the government plays an active role in helping lower-income retirees secure affordable, long-term housing options in trailer parks.Affordable Housing Option: Manufactured homes rank among the most affordable housing options on the market. Reports show that homeowners spent an average of $57,700 for single-wide manufactured homes spanning between 784 to 1,440 square feet.Low-Maintenance: Property maintenance involves laborious, time-consuming tasks, which retirees would rather avoid altogether. Fortunately, manufactured homes require little to no upkeep. Since these housing options typically only span around 600 square feet, you’ll only have to worry about routine house chores and occasional repairs.Cons of Retiring in Manufactured HomesLong-Term Devaluation: Manufactured homes depreciate over time since they’re not classified as real property. Look into stick-built homes if you need long-term investments.Different Loan Requirements: Since financial institutions don’t consider manufactured homes real property, they wouldn’t qualify for mortgage loans. Instead, you’ll have to settle for a personal loan.Negative Stigma: Although many manufactured home communities maintain a clean, safe living environment for older adults, society still sees trailer parks in a negative light. Some will even discriminate against you for living in a manufactured home.Limited Living Space: Manufactured homes typically span around 600 to 1,000 square feet, so don’t expect too much out of your living space. You probably wouldn’t even have a backyard.Top Manufactured Homes Retirement CommunitiesAlthough some retirees might feel excited about choosing between dozens of manufactured home communities, inexperienced homebuyers find the options overwhelming.
To aid you with the buying process, we made a roundup of the best affordable and upscale manufactured home communities in the following states:
Florida
The GroveAverage Home Price: $48,000
Park Address: 4801 9th St E, Bradenton, FL 34203
The Grove ranks among the most affordable upscale manufactured home communities in Florida. It features a spacious 40-acre park with 270+ homes that have access to multiple artificial ponds, picnic sites, heated pools, and shared clubhouses.
[image error]Lady LakeAverage Home Price: $200,000
Park Address: 2934 Griffin View Dr, Lady Lake, FL 32159
Spend your retirement years enjoying the peak of luxury retirement in Florida at Lady Lake. This upscale manufactured home community boasts the most gorgeous, well-constructed modern homes on the market.
They also have a clubhouse. However, you might not want to go outdoors so much, considering the stunning indoor and outdoor living spaces.
Georgia
WymberlyAverage Home Price: $120,000
Park Address: 4600 Columbia Road, Martinez, GA 30907, USA
Wymberly offers an upscale, super-accessible manufactured home community. Not only does it feature a gorgeous picnic grove, clubhouse, and golf course, you’ll also have access to various shopping districts and medical facilities.
Michigan
Tyrone WoodsAverage Home Price: $50,000
Park Address: 8378 Hogan Rd, Fenton, MI 48430, United States
Tyrone Woods ranks among the most family-friendly manufactured homes parks on this list. It doesn’t solely cater to seniors.
If you choose to live here with your family, you’ll have access to various amenities like spas and parks. Also, the park’s near reputable educational institutions in the Linden School District. You wouldn’t have to worry about your grandkid’s schooling.
Cider Mill CrossingsAverage Home Price: $65,000
Park Address: 9900 Townsquare Blvd, Fenton, MI 48430, United States
Cider Mill Crossings features a diverse range of senior manufactured homes for sale. Their listings could go anywhere from as low as $60,000 to $200,000, depending on your preferred structure.
Also, the community offers multiple amenities. As a resident, you’ll have access to their clubhouse, heated pool, spa, fitness center, and library.
Texas
El Valle Del SolAverage Home Price: $430 /month
Park Address: 2500 E U.S. Business 83, Mission, TX 78572, United States
El Valle Del Sol serves as the perfect short-term housing option for wandering retirees. They accommodate monthly and annual lease contracts.
Admittedly, the park itself is nothing to write home about. However, since it sits in the Rio Grande Valley, you’ll have unlimited access to nearby destinations like South Padre Island and Mexico
Are Manufactured Homes a Suitable Housing Option for Your Family?Is a manufactured home good for retirement? Whether you choose to retire in a manufactured or stick-built home depends on how you plan to spend your senior years.
If you want a peaceful, low-cost retirement with your partner, look into senior manufactured homes for sale that suit your budget. You’ll only have to spend a fraction of your pension.
Alternatively, retirees planning to live with multiple household members and have no need to downgrade their lifestyle can check out stick-built homes.
The construction and land acquisition will cost exponentially more. However, you’ll have a much larger living space, plus your real estate property’s value could continue appreciating over time.
Ultimately, the choice boils down to your desired lifestyle. Explore your options!
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February 21, 2022
Free fun things to do with friends: places, activities, and more
Many of our happiest life moments are the times we spend with friends. It’s not surprising then that we often wish we could just enjoy their company more.
But sometimes, even just meeting up to have coffee or a few drinks can break our budget. We then resort to cutting down on hang-out times.
Hang-out time, however, doesn’t have to be splurge time. You and your besties can do many things and visit places without spending any money.
We gathered a comprehensive list of tips on how to hang out with friends for free, especially when you’re all getting a bit bored just spending time at home. Or maybe, you’re all thinking of what to do in the summer or other vacation periods that are budget-friendly.
If you’re wondering about activities to do or places to go with your friends without spending a dime, read on.
Here are 19 Fun Things To Do With Friends For Free
Here are some ideas that are high on fun but low or zero on spending.
1. Binge-watch a TV series or have a mini-Film FestChoose a great TV series on Netflix, HBO, or other streaming service providers that your friends agree is worth the time.
There are tons of series available like “Stranger Things,” “The Crown,” “Better Call Saul,” etc., so you’re sure to find one that your group likes. Check out the documentaries too.
You could also binge-watch movies. You could have your own film festival by choosing a favorite actor and watching as many of their movies as your time permits.
Or you could choose a genre or subject matter and see the differences in treatment. For example, if you all like zombie movies, you could start with George Romero’s classic “Night of the Living Dead,” to the comedy “The Dead Don’t Die,” the musical “Anna and the Apocalypse,” to the horror-thriller “Train to Busan.”
You could also compare remakes with originals, such as “Ocean’s Eleven” of 1960 with Frank Sinatra, Dean Martin, and Sammy Davis Jr. and the version of 2001 with George Clooney, Brad Pitt, and Matt Damon.
2. Go sound trippingIf you’d rather listen to music than have a movie or series marathon, you and your friends could try binge-listening from streaming music services that have free content tiers alongside their paid or premium subscriptions. These include Amazon Music, LiveXLive, Spotify, and YouTube.
You could choose an artist, a genre, or a music era that you all enjoy and sing, or dance along or just chill out. It’s like going to a concert without leaving your home or breaking your bank for front-row seats.
You could also have themes for your binge-listening sessions.
For example: It’s 2022. Why not listen to artists or albums that launched in 1982? Find out if 40-year-old albums can still sound good to you.
Top albums turning 40 this year are Michael Jackson’s “Thriller” and “Billie Jean,” Toto’s “Toto IV,” and Janet Jackson’s self-titled album, among others.
Or try listening to genres, artists, and instruments that you’re not familiar with. There’s plenty of music out there! How about Gypsy jazz, taiko drums, or ska?
3. Go out and run (or hike)Running is not only one of the best cardiovascular activities, but it’s one of the simplest and cheapest ways to get fit. There are no complicated steps to follow and no equipment necessary except for running shoes.
You may or may not choose to set distance targets, but with your best buddies running with you, you’ll no doubt rack up kilometers in no time. It’s a great workout for your heart, your body, and your brain.
If your knees can’t take running, walking or hiking are good alternatives. Hiking is also a good cardiovascular exercise even if it’s relatively less intense than running. Also, hiking in scenic trails can be invigorating.
4. Workout togetherIt’s sometimes difficult to keep an exercise routine if you’re doing it alone. It’s a lot better to have someone to work out with.
Choose a suitable place, maybe a park or open space, and complete your exercise routine. It’s a fun and free thing to do with your friends in summer.
Playing sports is another way to get a workout. Basketball, badminton, tennis, volleyball, soccer, or frisbee-throwing are good ways to work out a sweat and keep fit with your friends.
5. Go backyard campingYou don’t have to go far to enjoy a night under the skies. All that you and your friends need is a tent and a backyard.
Pitch the tent, put out some pillows and sleeping bags, and bring out your favorite snacks.
The best thing about backyard camping is that you don’t have to worry about a bathroom, and you can all get back inside the house in case the weather doesn’t cooperate.
6. Start a book clubYou and your book-loving friends most likely have books that still haven’t been read long after purchase. Now’s the time to read the same book and meet up once or twice a month to discuss what you’re all reading.
Potluck on snacks and drinks. Book clubbing is a good way to bond with your friends at home.
7. Have a Random Recipe ChallengeSpend time together like contestants of a cooking game show where the day’s challenge is to make something with whatever is in the fridge or in the pantry.
Channel your inner chefs and come up with something delicious.
If none of you are skilled in the culinary arts, you can download a recipe app like Frigo Magic which suggests recipes for you to try out with only the ingredients you put in the search bar.
This app is available for download on the App Store and Google Play.
8. Volunteer with your friendsCheck out nonprofits or charities in your area that need extra hands in soup kitchens, homeless shelters, and animal shelters.
Some nonprofits and charities like Habitat for Humanity and Best Friends (works to care for homeless animals) may have chapters near you, so check them out too.
If you like beaches, rivers, or streams, why not volunteer for a clean-up? You can contact your state’s Parks and Recreation Department for information on clean-ups of waterways.
9. Watch a meteor showerIf you or your friends enjoy the night sky, besides looking at stars and identifying constellations, you may want to gather in one’s backyard or—if you can manage it—a place away from city lights when meteor showers are expected to occur.
All you will need is a sleeping bag, blanket, or lawn chair, and patience to just look up.
Check the NASA website for help on how to catch the meteor showers. Likewise, NASA has tips on how to photograph a meteor shower.
According to NASA, the remaining meteor shower watching dates in 2022 are:
April 21-22 (Lyrids)May 5-6 (Eta Aquarids)July 29 to 30 (Delta Aquariids)August 11 to 13 (Perseids)October 21 to 22 (Orionids)November 17 to 18 (Leonids)December 13 to 14 (Geminids).The Perseids and Geminids are the most spectacular meteor showers, with up to 160 meteors flashing per hour.
10. Go skywatchingMeteor showers are not the only celestial shows. There’s plenty to see for skywatchers. Watch the moon and its phases, the planets, and constellations. You don’t even need a telescope. Just look up!
If you’re not sure what to look at, NASA provides monthly highlights as well as a daily guide on what’s up in the skies for the entire year.
This year, expect to see planetary alignments, lunar eclipses, and supermoons.
11. Play creative gamesYour group can play “Exquisite Corpse”. Get a sheet of paper and a pen, crayon, or marker—anything to draw with—and start by having one of your group draw a person’s head.
Then, fold or cover up the paper and have another friend draw another body part, covering up each additional part so that the final drawing will be a surprise to all.
When the feet have been drawn, unfold the paper to reveal your group’s “Exquisite Corpse”. It could look absurd—after all, the game is attributed to Surrealist painters like Dali—but it could be worth lots of laughs at least.
And if your group’s collaborative art piece is really exquisite, why not hang it up sometime?
Exquisite Corpse can also be played in the form of collaborative poetry. In this version, your group just must agree first on sentence structure, e.g., “Adjective, Noun, Verb, Adjective Noun,” and then take turns writing a sentence.
As with the drawing version, previous sentences must be hidden.
When everyone has contributed a line, read your collaborative poem out loud, no matter how absurd it sounds. Give yourselves a round of applause while shouting, “Author! Author!”
12. Try blind contour drawingAnother creative game which can unleash your and your friends’ artistic juices is “Blind contour drawing.”
This is where you draw by keeping your eyes focused on your subject and proceeding to sketch while keeping your drawing tool on the paper. No peeking at the paper!
Pair up with a friend and draw one another using the blind contour technique. It’s supposed to be a quick sketch since you’re not allowed to look at your paper.
Exchange artworks afterward to find out how you drew one another. It’s guaranteed to amuse you at least, if not amazed by your creative output.
13. Walk the dogs togetherIf you and your friends have dogs, you could set a time to walk your dogs together.
It’s not only great for improving human-to-human friendships, but it’s a good way to teach your dog how to socialize with other dogs.
14. Learn a languageHaving friends learn a new language with you can help all of you get skilled in it quickly, since you’ll have conversation partners to practice with.
You can download a free language learning app like Duolingo and start learning.
If there’s more than two of you learning the same language, you can even set something like “French Night” where you speak in only the new language for the entire time.
You may all think you sound funny, being newbies in the language of your choice, but hey, practice is the only way to get better.
15. Join a virtual choir or sing karaoke at homeIf you and your friends like to sing as a group, maybe you’d like to try joining a virtual choir.
Virtual choirs like the Australia-based Couch Choir work by having instructions for different singing parts available to the public and inviting them to submit videos of themselves or their groups singing their chosen parts.
The submissions are mixed and edited and the virtual choir performance is launched on social media for worldwide viewing.
But if singing choir parts is too much effort, just have a sing-along at home. With or without a karaoke machine or microphone, singing karaoke at home with friends is great for bonding and stress relief.
16. Go birdwatchingIf you like birds and being in nature, birdwatching or birding can also be a fun activity for your group. Birdwatchers simply observe birds, enjoying their beauty and bird sounds.
Birders usually have binoculars or telescopes when they go birdwatching, but even just watching by using the naked eye can be satisfying.
Having a field guide on birds would be helpful in identifying the species you see, but you can just search the Audubon site if you have none.
When you see a bird for the first time and verify its species in the bird guide, write it down in a notebook—which you can call your field journal—as a “lifer.”
In birdwatcher talk, a lifer is a species that you see and positively identify for the first time (in your life). Birders usually have fond memories of the times they added lifers to their list.
You and your friends can watch your Lifer Lists grow at each “expedition.”
You don’t always have to go far, really. Even the local park or one’s backyard can be a birdwatching spot if there’s trees, especially fruit trees.
17. Arrange a swap meet or a jumbleIf you look around your homes, you and your friends may have lots of stuff that you’ve probably bought and hardly used, or been given but that’s just lying around, waiting to be used.
Or you may have two of something that’s just taking up space. Why not arrange a swap meet?
You can spice your swap meet by adapting rules, like the Christmas season White Elephant game, even if it’s not December.
You could also make it like a UK-style jumble sale but without the need to pay for anything. Just pile up (jumble) all the items that you and your friends have brought on a table or the carpet, and each friend just fishes out what they want. Everyone will go home happy.
18. Host a workshopWhat special skills or interesting hobbies do you and your friends have? Which among these skills or hobbies do most of you want to learn?
Why not arrange a workshop or a mini-master class for friends?
Whether it’s how to improve make-up techniques, wardrobe consultation, soap-making, or how to clean a bike, how to build a treehouse or granny flat, etc., your friends will appreciate the knowledge-sharing.
19. Learn how to danceIf you’d like some help with your two left feet, ask your friends to join you in following a dance tutorial or the choreography for a group dance.
If you’ve been shy about your dancing skills, this is your chance to learn with your supportive friends around.
Choose a dance tutorial on the web or on YouTube and just follow the choreography. Your group could probably try out line dancing, slow dancing, or just sample different dance moves from various time periods.
Dancing has not only physical benefits—it can be a form of cardiovascular exercise—but it can improve your mental health and social skills as well.
Best Places To Visit With Friends For Free
There are many places you and your besties can go without breaking the bank.
BeachesThe US has more than 95,000 miles of shoreline, so there are plenty of beaches to comb.
Among the best beaches in the US are:
Sanibel Island (FL)Destin (Florida Panhandle)Laguna Beach (between LA and San Diego, CA)Outer Banks (NC)Cape May (NJ)The best time to visit beaches is in July when the water temperature ranges are in the high 50s and 60s. If you don’t want to wade in, you can just watch the water and the seabirds, lie on the sand and soak in the sun, and smell the sea breeze.
While laws have allowed some beach fronts to become private property, there are still plenty of beaches that the public can access for free, in line with the “public trust doctrine.”
Just respect “Private Property: No Trespassing Signs,” if you see one, and keep the beach clean.
Camping groundsNational forests and grasslands are an option if you want to find free camping grounds. Together, they comprise more than 190 million acres of public land.
To find free camp spots, you need to check with the United States Forest Service, which takes care of these areas.
MuseumsThere are plenty of admission fee-free museums with fantastic collections. Just visit the website of the museum for details on how to visit because while admission is free, you may have to book a time to go.
The most notable US museum may well be the Smithsonian, the world’s largest museum complex, with several museums and a zoo. Admission is free to all its units except the Cooper Hewitt and the Smithsonian Design Complex in New York City.
Other top free-admission museums are Crystal Bridges Museum of American Art (Bentonville, Arkansas), Cleveland Museum of Art (Ohio), and several others.
Not all museums are buildings, however. They can be parks or gardens, like the 281-acre Harvard Arboretum in Boston, MA. It’s described as a “museum of trees teaching the world about plants.”
Officially named the Arnold Arboretum, this year it turns 150 years old.
Among its most famous collections is the Bonsai and Penjing Collection which comprises about 40 dwarf trees originally imported from Japan in 1913. The centerpiece is made up of five specimens of Hinoki cypress which are between 150 and 275 years old.
Nature ParksNature parks are specially designated and protected areas that showcase landscapes in their current ecological state.
There are about 400 national parks in the US. Many of them charge admission, but for five days this year, there’s an opportunity to visit them for free.
The National Parks Service is waiving entrance fees in famous sites like Denali (Alaska), Grand Canyon (Arizona), Yosemite (California), and Canaveral (Florida).
The first entrance fee-free day was on Martin Luther King Jr. Day (January 17). The next four free entrance days in national parks are:
April 16 (first day of National Park Week)August 4 (anniversary of the Great American Outdoors Act)September 24 (National Public Lands Day)November 11 (Veterans Day)Some national parks also have camping grounds (but some charge camping fees) and hiking trails.
Bike-friendly communitiesDo you and your friends like biking? Why not go biking around a bike-friendly town?
May would be a good time to ride out because it is National Bike Month. It’s been so since 1956 when the League of American Bicyclists began promoting bicycling in communities in the US.
The top three bicycle-friendly states are Washington, Oregon, and Minnesota. This is according to the league’s most recent assessment of all states for bike-friendliness.
The league offers a map that will help you find a bicycle-friendly city or community near you to visit.
This year, the league is encouraging more people to celebrate biking with a “#BikeThere” challenge. You may want to join other cycling enthusiasts on these dates:
May 1 (National Ride A Bike Day)May 16 to 22 (Bike to Work Week)May 20 (Bike to Work Day).Places with the best sunrises and sunsetsNature parks and other wide-open spaces are the best places to watch the sun. The National Parks Service offers its help if you want to find the perfect sunrise and sunset.
Best sunrise spots across the States include:
Gulf Shores (Alabama)Monument Valley (Arizona)Lake Chicot (Arkansas)Silver Sands (Connecticut)Rehoboth Beach (Delaware)Belmont Harbor (Illinois)Woldenberg Riverfront (Louisiana)Ross Barnett Reservoir (Mississippi)Valley of Fire (Nevada)Fort Lee (New Jersey)While the best places to watch the sunsets, according to travel company Expedia, are:
Grand Canyon (Arizona)Key West (Florida)Wailuku and Kailua-Kona (Hawaii)Glenwood Springs (Colorado)Seattle (Washington)Santa Barbara (California)Apalachicola (Florida)Honolulu (Hawaii)Ely (Minnesota)Public librariesPublic libraries are no longer just places for reading or borrowing books. They are also places that offer free access to multimedia, such as music, movies, and audiobooks, and as such are great places to hang out with friends.
There are many libraries as well where you and your friends can borrow board games and video games or try out 3-D printers and recording equipment.
Some public libraries like the Boston Public library have also expanded their range of services to include walking tours that cover history or art and architecture. It’s a new trend called “bibliotourism.”
Check out events or activities at public libraries near you, especially on National Library Week this coming April 3 to 9.
Some safety reminders on visiting amid COVID-19Since most of the world is still in a pandemic context, follow the health advisories in your community on personal protection, as well as group gatherings in line with COVID-19 safety. The guidance may include wearing masks, limits on event participants, and social distancing.
If you’re visiting museums and libraries, check their websites for health guidelines. Some places may require masks and vaccine cards.
If you’re going to nature parks, including camping grounds and beaches, check the website of the site you’re visiting to know about any applicable rules.
The best things in life are freeThere’s an old song that goes:
“The moon belongs to everyone
The best things in life are free …
The flowers in spring
The robins that sing
The sunbeams that shine
They’re yours and they’re mine …
The moon belongs to everyone
The best things in life, they’re free”
Good times don’t have to depend on money. When we become adults, it helps to remember that when we were all younger, all we had to spend was time. But even if we were just hanging out and not doing anything “special,” we all considered just being with our true friends is time well spent.
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