Tampilkan postingan dengan label MONEY. Tampilkan semua postingan
Tampilkan postingan dengan label MONEY. Tampilkan semua postingan

Selasa, 30 September 2014

Save Money on Batteries with a Universal Remote

Save Money on Batteries with a Universal Remote
Universal remotes are very convenient, but you may not have known that they can also be cost effective in the long-term.

On average, batteries in a remote control last 3-6 months. Buying batteries for all your remotes can really add up. For instance, all three proprietary remotes I own require two AAA batteries, which can be about on Amazon for about $0.90 each. That is $1.80 per a remote every 3-6 months. For me, that comes out to about $5.40 every 3-6 months for my three remotes, or I could migrate to a single universal remote for $1.80 every 3-6 months, instead. That is a savings of $7.20-$14.40 a year in batteries for me. Because I bought a remote for $10, I can see a return on my investment in less than a year PLUS I have the convenience of a universal remote!

If you're a cord cutter like myself, you may not have known that you can get universal remotes that are also Roku compatible for a great value from Amazon. A couple of the top value remotes on Amazon at the time of this article are:
If you have more than two remote, I strongly suggest you look into consolidating to a single universal one.

Have any tips on purchases that can save money in the long-term? Tell us about it in the comments below.

Minggu, 14 September 2014

FreedomPop's 100% Free Internet: Review and Tips

FreedomPop's 100% Free Internet: Review and Tips
FreedomPop is a company with a mission to deliver free and fast mobile services to all Americans. Wait, did I just say free? Yes, free! …To a point. Let me tell you my experiences of owning one of their mobile 4G hotspots.

FreedomPop offers hotspots (among other devices from their website) that give you free data every month at no additional charge. You only need to purchase one of these hotspots a single time, after which you can simply continue to receive free monthly data. However, it can be difficult trying to gather all of the necessary information from FreedomPop that you need to make an educated purchase. The following is my experience dealing with FreedomPop and suggestions on how to utilize the free options concerning their 4G hotspots.

Plans and Services

With the purchase of a portable hotspot from FreedomPop you get 500MB of free data a month. If you go over this limit, you will be charged. However, if 500MB isn't enough, you can permanently get an additional 50MB of data per a “Freedom Friend” associated with your account--for a maximum of an extra 500MB a month. These “Freedom Friends” can easily be found if you just do a quick google search. Not only do you get free data from having friends, but friends can send or request additional data from each other for free, which is great if it looks like you may run out of data before the end of the month. If you are still running short on data, you can earn even more for the month by completing additional offers like surveys and app downloads through the FreedomPop mobile app.

Now, it should be noted that your unused data does not roll over to each month unless you pay for the “FreedomPop Rollover Service” for $3.99 a month. This brings me to some of the things you need to be aware of.

  • When you set up your account with FreedomPop, they will try to sign you up for trial plans that charge you after one month. If you don’t want to pay, make sure you are only signed up for the “Free 500MB” plan.
  • If you are trying to use FreedomPop for free, you will want to disable “Automatic Top-Up” under billing settings, which is enabled by default. If “Automatic Top-Up” is left enabled it will automatically charge your account $10 if you reach 400MB of usage in a month. However, even with this disabled, you will need to make sure you do not exceed your monthly data allocation to avoid being charged.

The HotSpot

Now as far as the device goes, I managed to pick up a FreedomPop Overdrive during a sale of FreedomPop's for $25. Keep in mind though that they don't have them on sale for this cheap very often. Although I was happy with the price I paid, the shipping time for this product was much longer than expected. It took 22 days from the day I ordered the device to the day it arrived at my doorstep. Shipping times this long are common with FreedomPop products, so if you need your device right now, you may want to look for something else. The device itself was very easy to set up, change the password on, etc. The device does run off the Sprint network, so speeds are good as long as you are in a sufficient Sprint coverage area.

Conclusion

All in all, a FreedomPop hotspot is a fantastic device to keep on hand. However, it is not for the faint hearted. You will need to diligently watch your data usage and set it up properly if you don't want to pay anything extra. While it probably won’t cover all your data usage, it is fairly convenient to keep in your laptop bag, purse, or car as an emergency hotspot if you cannot find a trusted public network. Have any questions or experiences you would like to share? Tell us about them in the comments below.

Minggu, 31 Agustus 2014

How I Shave for Less than $7.33 a Year

How I Shave for Less than $7.33 a Year
Over a year and a half ago I noticed how much I was spending on shaving products. After a bit of research I discovered safety razors and never plan of going back to modern razors again.

I was a little skeptical the first time I used a safety razor. After all, a triple-blade razor has to give a much better shave than a single-blade razor, right? Wrong. After my first smooth shave I personally validated that modern razors are just a bunch of marketing hype. Not only did I get a great shave in the same amount of time, but it was dirt cheap too. 


A year and a half ago I spent $22 total for a safety razor, 100 extra blades, shaving soap, a bowl, and a brush, and not only have I not restocked during this time, but expect it all to last me at least another year and a half. For my shaving habits that is $7.33 a year! How long do you think you could get by with $7.33 of modern razors and shaving cream?



Here is a break down of everything I bought to start out along with the prices at the time of this post:

Total: $22.74

To get an idea of how long this will last you based on your shaving habits, each blade is usually good for 3-5 shaves. If you are just doing touch-ups or have a thin beard, it can last much longer.

Anyone else ever used a safety razor? Or have any questions about them? Talk about it in the comments section below.

Minggu, 17 Agustus 2014

Save Money with the Replacement Rule

The replacement rule for spending has saved me a large amount of both time and money over the years. Oddly enough, the rule is simple, but very few people do it.

What is the replacement rule? It is simply a rule stating that you only buy something when it replaces something else and you know what it will replace when you purchase the item. For instance, say you need to have seven dress shirts for work. You see one you really like in a store. You can buy it, but only if you get rid of one of the shirts you already have. If you have trouble deciding what shirt you would get rid you, you don't need another shirt.

Have any other personal finance tips? Tell us about it in the comments section below.

Sabtu, 12 Juli 2014

Spend that Remaining Prepaid Debit Card Balance on Amazon Gift Cards

Buy Amazon Gift Cards to Spend that Remaining Prepaid Debit Card Balance
Prepaid debit cards are great for gifts and rebates. However, for many of us, we use it once and eventually throw the card away because you can't find anything else to buy with the low remaining balance. Luckily, it only takes a couple minutes to buy an Amazon gift card with the remaining balance and apply it to you next purchase.

The process is actually quite simple:
  1. Check the remaining balance on the prepaid debit card. There should be a website or number on the back of your card that can be used to check the balance.
  2. On Amazon, purchase a gift card for the custom amount of the remaining balance on the card (must be over $0.50).
  3. On payment, add the prepaid debit card as a payment option.
  4. Purchase the card the check you email for instructions on how to apply the Amazon gift card to your account.
Now you can use every penny of your prepaid debit card on something you actually want. Also, Amazon credit never expires, so there is no need to worry if you don't plan on buying anything from them soon.

Selasa, 24 Juni 2014

How to Use Perk TV with Multiple Phones

 How to Make a Perk TV Phone Server Farm
Perk TV is an application for Android and iOS that pays you to watch ads. What sets Perk TV apart from other applications like this (e.g. Swagbucks) is that ads continually play without physical interaction (pressing buttons) for hours at a time. Taking advantage of this opportunity, you can easily buy some phones, install the app, and start earning passive income. Setup is easy, and you can be making $30+ per month per a phone starting right now!

Before you start, check to see if your internet service provider has a data cap, since streaming videos 24/7 chews up a lot of data.

Step One: Sign Up
Sign up for Perk TV

Step Two: Purchase Phones
If you are going to buy phones to run Perk TV, go with cheap Android devices that meet the minimum requirements for Perk TV. Currently, the requirements are just Android 4.0 or higher and WiFi. One of the most popular phones for running Perk TV is the Kyocera Hydro. At the time of this article the Hydros can be purchased on Amazon for about $30 and Amazon will buy the Hydros back for about $9. Because the Hydros earn around $1 a day, you would only have to run the phone for 21 days ($30 - $9) to break even if you choose to sell the phone back after that point. Anything afterwards is profit. Also note that you can have up to five phones per an account.

Step Three: Prep the Phones
To maximize earning potential on your phones you will want the following applications:
  • Perk TV - The application
  • Always On - Keeps the screen on
  • Screen Filter - Dims the screen to save electricity
Optional: If you root the phones you can freeze (disable) all unnecessary applications with Titanium Backup Pro to conserve resources for Perk TV.

Step Four: Setup
Plug your phones into a cheap surge protector or a multi-port usb wall charger near your wireless access point and you (Perk TV's terms and Conditions state that users must physically be in front of the phone(s) when using Perk apps). When you open Perk TV you have the option to play application trailers or movie trailers. Start with application trailers as they earn faster. The phone will automatically switch back to movie trailers after a while, but that's alright.

Step Five: Maintenance
Although not always required, reboot the phones once a day to prevent them from crashing. Phones can sometimes go days without a reboot, but it is better to reboot daily to avoid this risk.

Step Six: Earn and Redeem
That's it! Welcome to the world of perking!

I currently have four Kyocera Hydros that earn about $120+ dollars a month, which pays for my groceries. 

Using Perk TV already or coming up with ideas on how to set your phones up? Tell us about it in the comments section below. If you liked this article, check out my post on How to Make a Passive Income from an Idle Computer. Happy perking!


UPDATE: Perk TV now gives a prompt every 5 hours reading "Are you still watching?" Although annoying, it is not a huge inconvenience given the rewards you still get, and if you are physically in front of the phones when using Perk TV--like their Terms and Conditions state.

Sabtu, 15 Maret 2014

How I Get Free Music, TV Shows, Movies, and More (Legally)

How I Get Free Music, TV Shows, Movies, and More (Legally)As a broke college student it’s hard to legally get a hold of the digital products I want. Luckily, over time I have stumbled across ways to get these products legally and free or very cheap. This article discusses how I currently get my digital products.

HitBliss Free Pandora OneMusic
I have always preferred online streaming services like Last.fm and Pandora over purchasing albums or songs. However, the one thing I hated was the audio quality. When I listened to music in my car, the bass was painful to listen to. Additionally, deafening screeches or squeals commonly appeared when I turned up the volume. Luckily, I stumbled upon an application called HitBliss a couple weeks ago. HitBliss is an application that gives you rewards for watching ads. It took me just a few minutes after downloading the application to my phone to get a month subscription to Pandora One absolutely free--the high quality, ad free version of Pandora. I’ve been using Pandora One for a couple weeks now, and it has been wonderful. Now I am able to turn up the volume in my car without the deafening screeches or squeals and pretty decent bass.

TV Shows & Movies
Between school and work, I rarely have a chance to watch a show or movie when it airs on TV. Additionally, I don’t want to pay to stream something online if I’ll probably only watch it once. HitBliss saved me again. Not only can you order a Pandora One subscription on HitBliss, but you can also rent movies (including new releases) and purchase TV shows (usually the day after they air). It took less than twenty minutes of watching ads (I was actually watching YouTube on my computer while HitBliss ran on my phone) to earn enough credit to purchase three episodes of Suits and rent a movie. The application links to your Amazon account to make the purchases and rentals. One downside is that you are limited to four Amazon purchases/rentals a week. However, I've decided that there is no reason for me to watch more than four shows/movies a week, so I'm currently okay with this limit.

Google Opinion Rewards BalanceApplications
Honestly, most of the applications I use are either freeware or free web apps. However, this doesn't help for my phone. For that I use Google Opinion Rewards. Google Opinion Rewards is a free app in the Google Play Store that gives you Google Play credit for taking short surveys. About once a week a notification will prompt you to take a one to ten question survey. Afterwards, credit will be applied to your account. I’ve bought several Android apps this way. Additionally, this credit works for anything in the Google Play Store, including movies, TV shows, comics and books.

Books
I've never been much of a casual reader. If I read, it tends to be technical books that are hard to read digitally to start with. I've noticed that I can read these books much faster and comprehend a lot more when I have a tangible copy. Now I take advantage of my local library if I decide it’s not worth paying for. Furthermore, if my library doesn’t have the book I am looking for, they have a lending program where they can borrow books from participating libraries. I just tell them what I’m looking for, and they will have it shipped from a library that carries it at no cost to me. It is definitely work checking to see if your library participates in a program like this one. Not only is this program available for books, but also audiobooks and movies.

Smart Audiobook PlayerAudiobooks
Audiobooks are very important to me. I commute to work and school, so I like to listen to them during my drive. This wouldn’t be a big deal, but I listen to audiobooks at twice the normal speed or higher just because the readers talk so slow. Doing this allows me to listen to two or three full Audiobooks a week during my commute. However, there is no way I could pay for over a hundred audiobooks a year. The library has become my best friend again. Additionally, if I ever find myself waiting for an audiobook to come in, I just listen to public domain content through ezPDF Reader’s read aloud feature.

Video Games
Console gamers, I can’t help you. I'm a PC gamer and always will be. One of the reasons I’m a PC gamer is because it is so cheap. I've decided that I have no problem waiting for a new release to come on sale. I never buy a game if it isn't on sale or in a bundle. After all, my Steam library is packed for of games I haven't even downloaded yet. If I feel tempted to purchase a game at full price, I just get myself sucked back into TF2 and forget about the other game.

Conclusion
Overall, I’m happy with my methods for acquiring these products. Some of these methods have worked great for me for a long time. Have another method not listed here? Let me know in the comments below.

Senin, 17 Februari 2014

How to Gain Experience in the Tech Industry

Cisco Switch
All tech students are told "Oh that's a great field! You won't have a problem finding a job." However, many tech graduates cannot land a job in this "high demand" field. Why? Because most have no real-world experience.


Experience matters. Sure, you have a pretty degree that displays your dedication to this field, but so do most job applicants. You look exactly the same as the other hundred applicants for the job. So what was the purpose of a degree? Foundation. Foundations and theory are great, but most graduates have no idea how to apply this to real world scenarios. Employers know this, and they are not about to hire someone who needs training on how to do every little thing. 


So how do you gain experience in a field that won't accept you until you have experience? You find somewhere desperate enough to deal your screw ups (trust me, they will happen). This is easiest by volunteering your services. Non-profit organizations are generally excited to have anyone bring their neglected systems into the 21st century. Start with tune-ups and probably some virus removal, and then just work forward from there with as much as the organization will allow. Set goals and reach them. Keep in mind that not everything you do will relate to your desired career path. However, this is to get you in the door of a paying company, so do whatever you can. All the while, add your accomplishments to your résumé and keep applying.

Jumat, 31 Januari 2014

Try CBT Nuggets IT Training Videos for Free

CBT Nugget Coupon
CBT Nuggets is one of the most well known video training services among IT professionals. There is a variety of different series from Microsoft Excel training to network security. However, many individuals are chased away by the subscription prices. Luckily, CBT Nuggets launched a free one week trial program earlier this month.

One week may not seem very long. However, for those of us who are studying for certifications, watching an entire certification series in one week is feasible.  In all, this trial program is an amazing opportunity to all IT professionals with empty wallets, like me. If you only plan on using the one week trial, keep in mind that CBT Nuggets will automatically charge you for an annual subscription when the trial period is over. So to avoid financial disaster, opt out of auto-enroll immediately after creating your account.

Jumat, 03 Januari 2014

Recover Your Own Gold from Old Electronics

RAM Gold Fingers
Gone are the days when gold prospectors sift through rocks and dirt in rivers and hills. Modern-day prospectors get their gold from old phones and computer components. Best of all, just about anyone can do this in their apartment or garage with just a little collecting.

The Instructable in the source link illustrates the entire process, but you’re basically, just collecting old electronics, soaking them in a mixture of readily available chemicals, and then melting down the result into a gold ingot. With that in mind, it's time sit in sadness like the rest of us while you think about all the electronics you have thrown in the trash over the years and all the gold that could have amounted to.

Gold Recovery | Instructables

Rabu, 04 Desember 2013

A Complete Guide to Repairing Computers on the Side

Circuit Board
Whether you're a PC guru, noob, or somewhere in between, PC repair can be a rewarding effort. Rewards range from a decent steam of cash, building up experience, or both. Either way, here is a basic guide to doing PC repair on the side or full-time.

Avoiding Emergencies. When many technicians start out they find themselves paying out of pocket for a client's new computer because the technician accidentally did something wrong. After it happens once it rarely happens again, however, it's best to avoid this situation entirely. Precautions that should be taken are as follows:
  • Liability Release Forms. A quick Google search can pull up hundreds of different liability release forms that PC repair shops use to protect themselves. Unless you did something absolutely ridiculous, one of these forms can protect you too from liability for further damage.
  • Comfort Zone. Never try a new repair or technique on a client's computer unless they tell you to give it a try. If you are unfamiliar or uncomfortable with a repair or technique, let the client know. This way they have a chance to back out. It's better to lose one repair job than to break a client's computer and have the word spread that you don't know what you're doing. Reputation is everything.
  • Backup. If possible, image a client's hard drive before starting repairs. Although this does significantly lower turnaround time, it allows the technician to restore the computer to the condition the client left it in if anything goes wrong.
  • Accounting. Always keep records of your earnings and expenses. You can go all out and purchase software to do this or use a simple spreadsheet--either way it is necessary. Last thing you want is to be contacted by the IRS.
Skills. Bare minimum, you should know how to remove malware from a machine. However, the more you know the more work you can take on and the faster you can turn over computers. There are numerous videos on YouTube and articles online that a created to help individuals develop these skills--take advantage of this.

Tools (Hardware). A basic hardware toolkit for diagnosis and repair are composed of at least the following items:
  • Anti-Static Wrist Band (always uses one when touching parts or components)
  • Compressed Air (in a can or from a compressor)
  • Flash Drives (multiple for data client data or tools)
  • Hard Drives (for data backups)
  • Screwdriver Set (minimum a Phillips and a flat-head)
  • USB to IDE/SATA Adapter (for data backups or recovery)
Tools (Software). Opinions on specifics software are subjective and differ amongst technicians. However, most technicians agree that bare minimum a new technician should have the following in their toolkit:
  • CCleaner (removing temp files and cleaning registry)
  • Malwarebytes Anti-Malware (the technician license is fairly inexpensive)
  • Microsoft Security Essentials (for clients how don't have an antivirus)
  • NT Offline Password and Registry Editor (for clearing Windows passwords)
  • ProduKey ( Office and Windows product key recovery)
Business Structure. Don't start looking for a storefront quite yet. There is still a lot of money to be made working out of your home. For a starting setup, just a designated area in your home with stable Internet access, a desk, and comfortable chair can take you a long way. If you find yourself working on multiple desktop computers at once, a cheap KVM is definitely a worthwhile investment. If you are working on several laptops at once, it may be worthwhile to move to a larger workbench or table. Possibly most important, Google Voice is your friend. With Google Voice you can adjust when you want to accept work related calls, you can archive all texts sent to and from clients, and it is easy to paste templates into the texting web app informing clients that their computers is finished.

Charging. How to charge and how much is a highly debated topic amongst technicians. You never want to sell yourself short, but then again if you ask too much, clients will just buy a new computer instead. One of the best things you can do is see what repair shops in the area are changing and then undercut those prices to help get your foot in the door. Keep in mind how to price your services as well. Most services are best to charge by the hour. What you may have thought was just a quick fix could take hours, so it's best to protect yourself. However, if you're charging someone to install hardware like ram or a new graphics card, a flat rate would be more appropriate. If you can't find out what repair shops in the area charge, here's a general guideline for pricing:
  • Beginners (you're still getting your foot in the door, still learning a lot, just picking up a gig here and there, and only have small client base): $15-$30 per hour
  • Intermediate (you've obtained a certification Comptia A+, computer repair is more than just something you do on the side, and you've established a decent client base): $30-$50 per hour
  • Expert (you've dedicated yourself to computer repair for several years and have a large client base): $50-$120 per hour
Advertising. Gone are the days where money was required to get your name out there and bring in clients. Some free methods of advertising are as follows:
  • Word of Mouth. Surprisingly word of mouth will be where most of your clients come from. However, keep in mind that this is only effective if you do good work and you are good with clients.
  • Social Media. Don't be shy about what you do. Let your friends, connections, and followers know that you mean business.
  • Craigslist. It takes just a couple of minutes to make a post that can reach a lot of potential clients.
  • Local College or University. Talk to the IT Department there and give them a stack of business cards. With any luck, they will hand your cards out to students and faculty experiencing issues.
  • Local bulletin boards. Print off a flyer promoting services you offer. This may not pay off tremendously, but it never hurts to try.
Miscellaneous Tips. Just when you think you know everything there is something else around the corner. Luckily this is a good thing. Here are some tips to help increase your earning potential:
  • Keep Old Parts. Collect all the parts you come across that are known to be good and not obsolete. With a little time you can accumulate enough parts to build a "refurbished" computer that can be sold to a client.
  • Keep RAM in Stock. Adding extra RAM into a computer before repairing it can make the process a lot less painful. Furthermore, if the client decides they like the increased speed, you can sell the RAM at a marked up price.
  • Learn Data Recover. Data recovery is a valuable skill that is not too difficult to learn. Clients often will pay anything to get their files back. Just do some research, and you could potentially cash in big.
  • Automation. Once you develop procedures for repairs like PC tune-ups or malware removal, learn how to automate as much of the procedures as possible with scripting.  Automation could potentially allow the computer to repair itself after a couple initial clicks. 
Do you have any tips not listed? Or are you having trouble getting started? Let me know in the comments below.

    Kamis, 31 Oktober 2013

    How to Earn Passive Income While Your Computer Idles

    Pennies
    As a general rule, passive incomes are time consuming to setup, but afterwards they earn money continually over time. However, rules can have exceptions which works in our favor in this case. With about five minutes of time, you can setup a well paying passive income with the help of some software called Gomez PEER

    "Gomez PEER is a secure java application that runs in the background of your PC and leverages your system’s idle resources (such as unused processing power, RAM, and bandwidth) to test the performance of many of the world’s most popular websites."

    "Users who download and run the Gomez PEER application make up a network of more than 150,000 individuals who, together, are helping to make the Internet a faster, more reliable tool for everyone."
    You will be paid according to the number of minutes of Real Time Processing that is done. While pay rates are very low, what other program takes just a few minutes to set up and pays you to leave your computer on with no upkeep? And will pay month after month?

    You may be wondering "Does it slow down my computer or internet speeds?"
    No, it does not. Gomez PEER uses unnoticeable amounts of processing power, ram, and bandwidth to preform its tasks.

    Now, what do you need to do to get started?  
    1. Apply to become a Gomez PEER. The application can be found here 
    2. Download Gomez PEER software.
    3. Install and run Gomez PEER.
    That's it! Make sure Gomez PEER is setup to start running whenever your computer is turned on, and you're set!
    Gomez Peer running
    Now to maximize your earnings:
    1. Be connected to the internet as often as possible. 
    2. Gomez PEER allows multiple computers to be linked to one account (username). Take advantage of that by installing Gomez PEER on as many computers as you can and link them all to your account. 
    3. Got friends that are smart enough to jump on free money? Gomez PEER offers $1 for each referral.
    My proof of payment from Gomez PEER

    So what are you waiting for? You could be earning money right now! Have any other passive income streams? Let me know in the comments below. Also, do you have an old phone collecting dust? Learn how to increase your passive income with a Perk TV Phone Server Farm.