Tag Archives: HOME

Earn Income At Home – Get More Home Business, earn income at home.#Earn #income #at

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earn income at home

Unlike many other businesses, this business gives you lots of help with your customers. In fact, once someone becomes your customer, the company takes over and takes care of your customers so you can go on and find new customers [ ]

Best Home Based Business

  • Post By: admin
  • Date: May 26, 2017
  • Category: Home Business, Profitable Home Business Ideas

Self-employed people are four times more likely to become millionaires than those who work for others. Check out some of the advantages that radicalism has over other home business opportunities. Our company has identified a -niche market- in the growing [ ]

Opportunities In Home Based Business Are Creating Alternative Careers

  • Post By: admin
  • Date: May 26, 2017
  • Category: Home Business, Work From Home Packing

In January 2010, CBS surveyed 5,000 people and asked them if they were happy with their Jobs. 55% of these people stated that they were not happy with their current careers. In the past 22 years, this is the lowest [ ]

Searching Legitimate Online Money Making Jobs

  • Post By: admin
  • Date: May 26, 2017
  • Category: Make Money Online, Online Job

The world of online work has become increasingly popular. Stay-at-home moms have long caught onto this trend, but now more and more people are seeking out the treasures of online money making opportunities. There are a number of genuine opportunities [ ]

Learn About Photography Business And New Home Businesses

  • Post By: admin
  • Date: May 26, 2017
  • Category: Home Business, Photography Business Plan

When it comes to starting your very own stock photography enterprise it truly is significant to have a clear understanding that there s no certain niche that is much better than any other. And even if there had been, it doesn t [ ]


How to Create Extra Income at Home, Bizfluent, earn income at home.#Earn #income #at #home

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How to Create Extra Income at Home

Earn income at home

Earning extra money from the comfort of your home gives you a way to make your spare time pay off and put some cash in your pocket. When you look for ways to make extra income, avoid offers that require you to pay a fee or buy something to get started. These are often scammers looking to make some extra income off of your desire to do so, too.

Get Creative

Get creative and offer your services on sites such as Fiverr (https://www.fiverr.com/), where you make $5 each time someone buys from you. You can get paid for everything from drawing a picture or singing a jingle to making a small personalized item. Setting up your ad is free. Just create a description of what you do and upload photos and videos if you have any available. Fiverr pays you via PayPal after the customer pays for your services.

If you enjoy making craft items, head to craft-oriented sites such as Etsy (https://www.etsy.com/) and ArtFire (http://www.artfire.com/) to sell what you make. Both sites offer tools to set up a webpage that showcases your work. ArtFire charges a monthly fee but no commissions when you sell an item. Etsy charges a small fee for each craft you list and also takes a small percentage of each craft you sell.

Give Your Opinion

Turn your interest in sharing your opinion into cash by completing surveys on the Internet for money. Sign up for free on survey websites, such as Mysurvey.com (https://www.mysurvey.com/) and iPoll (http://www.surveyhead.com/), and get paid for each survey you complete.

Sell Stuff

Look around your home for junk and collectibles other people might be willing to pay for. If you find enough items, hold a garage sale at your home. You can also sell items on eBay (http://www.ebay.com/) or create a free classified ad on Craigslist (http://www.craigslist.org) to attract buyers.

Once you sign up for a free seller’s account on eBay, you fill out its template for each item you want to sell. You then add a thorough, honest description of the item and upload photos that show its condition and features. If you auction the item, you must decide how many days the auction runs. Alternatively, you can sell your item without any bidding. Besides a small insertion fee, eBay also takes a percentage of the total amount paid for your item with fees based on the category in which the item was listed. Payments are sent by buyers to your PayPal account.


HOME Income Limits – HUD Exchange, income from home.#Income #from #home

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HOME Income Limits

HOME Income Limits data are available from FY 1998 to the present.

The HOME Income Limits are calculated using the same methodology that HUD uses for calculating the income limits for the Section 8 program, in accordance with Section 3(b)(2) of the U.S. Housing Act of 1937, as amended. These limits are based on HUD estimates of median family income, with adjustments based on family size. The Department’s methodology for calculating nationwide median family income figures is described in Notice PDR-2001-01. For more information about how HUD calculates the HOME Program income limits, visit HUDUSER.ORG, the website for HUD’s Office of Policy Development and Research, for more general information.

Family sizes in excess of 8 persons are calculated by adding 8% of the four-person income limit for each additional family member. That is, a 9-person limit should be 140% of the 4-person limit, the 10-person limit should be 148%.

The HOME income limit values for large households (9-12 persons) must be rounded to the nearest $50. Therefore, all values from 1 to 24 are rounded down to 0, and all values from 25 to 49 are rounded up to 50.

On January 27, 2009, HUD s Office of Public and Indian Housing (PIH) issued a Part 5 final rule on Refinement of Income and Rent Determination Requirements in Public and Assisted Housing Programs. Effective March 30, 2009, this rule makes conforming changes to the HOME regulations at 24 CFR 92.203(d)(1) Income Determinations to ensure consistency among HUD programs. The rule changes the way that PJs calculate annual income for the HOME program, although the practical effect of this change is minimal.

Related Information

To view additional related information, including Area Definitions, Uncapped 80% of Median Calculations, and Memos, select a specific year from the filter below.

HOME Income Limits

Please note that the CPD Income Calculator has not been updated for the 2017 income limits. A listserv message will be sent out once the 2017 income limits have been updated in the calculator. Please make sure you receive HUD Exchange Mailing List messages for the HOME program.

HOME Income Limits are listed below. Browse the income limits by selecting the next page or use the filters on the left to find specific income limits for the current or previous years.

Note: The 2017 Income Limits are effective on June 15, 2017.


Extra Income, Wise Bread, extra income from home.#Extra #income #from #home

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extra income from home

Extra income from home

11 Ways to Make Money on Thanksgiving

While you’re waiting for that turkey to roast, why not make a little extra cash?

Extra income from home

8 Seasonal Side Hustles That ll Cover Your Holiday Spending

The holidays are almost here! Feeling a cash crunch? These seasonal side hustles have your holiday spending covered.

Extra income from home

Don t Get Audited! How Your Side Gig Needs to Handle Taxes

The sharing economy has given us easy ways to make serious side cash. Just don’t forget to set aside some for Uncle Sam!

Extra income from home

Best Money Tips: 20+ Best Apps for Selling Clothes

Today we found articles on the best apps for selling clothes, Halloween decorations you can DIY, and ways to be more charismatic.

Extra income from home

Best Money Tips: How to Make Serious Cash With Your Car

Today we found articles on ways to make serious cash with your car, how to get the most out of your slow cooker with dump meals, and techniques to stay confident under pressure.

Extra income from home

Ask the Readers: Do You Have Passive Income?

Tell us if you have passive income and we’ll enter you in a drawing to win a $20 Amazon Gift Card!

Extra income from home

Best Money Tips: How to Buy and Sell Anything Online

Today we found articles on how to buy and sell anything online, businesses you can start without any money, and how to build a bank account firewall.

Extra income from home

Make Money Editing Photos With These Online Tools

You can earn money from your couch by editing and reviewing photos other people have taken. No, really!

Extra income from home

7 Easy Ways to Build an Emergency Fund From $0

When your latest financial emergency is that you can’t afford an emergency, it’s time to start building that safety net — quickly!

Extra income from home

What Artists and Fans Should Know About Tipping Sites Like Patreon

Before you raise money on a site like Patreon for your art, there are a few things you should know.

Extra income from home

5 Ways to Make Passive Income Online

From ebooks to advertising, the internet is your go-to place for creating passive income streams.

Extra income from home

15 Ways to Make Money on Halloween

Instead of spending money on a costume and decor, why not make a little extra cash this Halloween? Don’t be afraid of a little side hustle!

Extra income from home

Flashback Friday: 52 Things You Need to Know About Hosting on Airbnb

Wanna make some extra cash and host your place on Airbnb? Here’s how to do it right.

Extra income from home

5 Costly Pitfalls of Hosting on Airbnb

Renting your space on Airbnb isn’t always an easy money-maker. Watch out for these pitfalls and inconveniences of becoming an Airbnb host.

Extra income from home

How to Turn Your Backyard Into a Moneymaker

A big backyard costs money. Did you know it can also make you money?

Extra income from home

How to Legally Sell Your Body for Money

Looking to sell some your stuff for some extra cash? Look no further than the mirror.

Extra income from home

How I Made $400 in 10 Days by Selling an Online Course I Created

Have a skill to share? Create an online course and make some extra money!

Extra income from home

6 Back-to-School Items You Can Sell For Extra Cash

When school supplies are in abundance in your home, what should you do? Sell ’em!

Extra income from home

Best Money Tips: 30+ Passive Income Ideas That Will Make You Money

Today we found articles on ideas for passive income, tips to organize your garage, and effective ways to meet your new neighbors when you move in.

Extra income from home

15 Lucrative Side Hustles for City Dwellers

You can find just about anything you need when you’re a city slicker — including one of these great side gigs!


Extra Income – Single Moms Income, extra income from home.#Extra #income #from #home

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Extra Income

Extra income from homeEarning extra income can help you reach your financial goals faster. And, luckily there are many, many ways that you can earn extra income on top of what your day job provides.

On this page you ll see all of the methods I ve used at one point or another to earn extra money. (For a big list of ways to make money online see: 50+ Legitimate Work From Home Job Opportunities)

And if you want to see how much money I m making online now, you can View My Monthly Income Reports.

Freelance Writing

Freelance writing was what helped me transition from working two day jobs to working full-time online. If you re a decent writer and looking for online work that will bring fast pay, this is one option to consider.

I ve learned a lot over the years about finding quality freelance writing positions and have outlined everything I know in this post: How to Get Freelance Blogging Jobs if You re Starting from Scratch.

Blogging

Blogging has been an amazing source of income for me. Only, it took a couple years to get to that point.

However, blogging is in no way, shape or form easy income. (No matter what anyone tells you.) Blogging should be looked at for the long term. If you need fast cash then I suggest you start with freelancing and build a blog on the side.

Here s a step by step guide to setting up a WordPress blog for only $2.95/month ! If you re completely clueless about blogging check out my income report that breaks down how I earned $10,000 through various blogging income streams in one month.

Read Emails Search the Web

These sites definitely won’t provide you a livable income. However if you consistently use them to search the web and occasionally take a survey or two you can scrape up enough money throughout the year to buy yourself something nice or even go towards your vacation budget. I like to use them to fund my Christmas shopping.

Swagbucks

Swagbucks.com is a search engine, just like Google or Yahoo, only you get randomly awarded “swagbucks” while you search the internet. You can trade in your Swagbucks for gift cards or prizes. I always go for $5 Amazon gift card which only takes 450 Swagbucks to reach.

In addition to searching the web you can also play games, take surveys, watch videos, and complete special offers to earn additional Swagbucks.

Inbox Dollars

Extra income from home Inbox dollars is similar to Swagbucks. They have a search engine that pays (small amounts) to search through.

In addition to their search engine Inbox Dollars also pays you to read emails, take surveys, and complete special offers. I always use the reading emails feature, which pays .02 per email. It is extremely simple and only takes about 10 seconds to earn your .02.

Scanning Groceries with NCP

If you like taking surveys you might like National Consumer Panel. With NCP you re sent an at home scanner or a link to download a mobile app. You can then scan your groceries and take surveys about your shopping habits to earn rewards.

You can get started with NCP here.

Take Surveys

While I’m not positive that you can make serious money by taking surveys (I never made a ton of money), it’s very easy to get started and earn a little extra money in your spare time. When you’re on the computer surfing the web, all you have to do it take a few minutes out of your day to give your honest opinion about a wide variety of topics and products.

Some survey companies offer referral programs so you can recruit a couple of friends and you can all earn a little extra money together. You can start taking surveys by signing up on any of these sites:

A lot of the the survey sites will only send you a few surveys per month. You can maximize your earnings by signing up with several different sites.

Other Ways to Earn Extra Income Online

There are so many ways to earn money online. Because of that I wrote a post with 10 different small business ideas for women along with examples of successful women pursuing each business. If you want to start an online business I highly recommend you read it.

Extra income from home

If none of these ideas are sticking with you here are some other things you can do to earn extra income online:

  • Become a virtual assistant. I recently started doing virtual assistant work and I love it. It s a nice change in pace from writing all the time and it s a fairly simple way to earn more money.
  • The Top 10 Easiest Ways to Make Money Online These things won t make your rich but can earn you a little extra pocket cash with fairly minimal effort.
  • Take Surveys (15 Places!) Taking surveys won t make you rich but it s easy to do and flexible.
  • How I Earn $20/hr. as a Brand Ambassador Here s a full breakdown of what exactly a brand ambassador is and seven places you can sign up.
  • How to Become a Work At Home Bookkeeper Becoming a work from home bookkeeper can be a fantastic way to earn a full time living from home.
  • 7 Companies that Will Pay You to Test Websites You can earn $10-$15 per 20 minute test through these companies!
  • 6 Ways to Make Money with Web Research If you like to research you ll enjoy these ideas.
  • Earn with Your Social Media Accounts Yes, you can earn through your social media accounts even if you don t have a huge following. Check out this post for all the different ways.
  • 5 Social Media Jobs If you d rather have social media be a full-time job this is the post you ll want to look into.

Extra income from home


Ten creative ways to earn extra money, extra income from home.#Extra #income #from #home

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Ten creative ways to earn extra money

  • Sell your photographs to stock photo agencies; sell your used books

  • Join a direct selling company like Avon cosmetics

  • Get paid for opinion surveys, enter local or online sweepstakes

    Extra income from home

    Extra income from home

    Extra income from home

    Extra income from home Extra income from home

    Extra income from home Extra income from home

    Extra income from home

    Editor’s note: CNN.com has a business partnership with CareerBuilder.com, which serves as the exclusive provider of job listings and services to CNN.com.

    Extra income from home

    You can sell your skills, your time or your used stuff to make some extra money.

    Extra income from home

    With an abundance of job losses, salary cuts, eliminated bonuses and diminished 401(K) matching contributions, your income is shrinking — but the bills aren’t.

    If your regular job isn’t earning you enough cash or you’ve lost your job altogether, these simple side gigs can help put some padding in your pockets until — maybe even after — you get back on your feet.

    Here are 10 ways real people are creatively taking home some extra dough:

    1. Do freelance work

    Felice Premeau Devine left her lucrative, full-time job two years ago to raise her son. In the interim, she’s picked up writing and editing freelance work and started a blog, where she is able to earn a little cash from advertising.

    Nowadays, almost any job can be done on a contract or freelance basis. Check out sites like Sologig, which lead job seekers to contract, consulting, freelance, temp-to-hire and part-time project opportunities in your field.

    2. Sell your books

    Don’t Miss

    If you’re a college student or you hung on to your college textbooks thinking you might want to read them again somewhere down the line, select retailers like Barnes Noble allow you to sell your textbooks for some quick cash. Or, take some classics from your personal library and sell them at a local second-hand bookstore.

    3. Search circulating coinage

    Susan Headley, the guide to coins on About.com, is a lifetime coin collector who has been boosting her income by searching through circulating coinage for the past six years. In 2008, she made about $2,500 and so far in 2009, she has earned approximately $500 from coins she’s found.

    People who search circulating coinage successfully for a side income do so in very large numbers, she says. They buy rolls of coins from banks, typically in whole boxes, and sort through it to find stuff that just doesn’t belong, Headley says. Half dollars, for example, were no longer made from 90 percent silver after 1965, but they still had 40 percent silver in them until 1970; either of these turn a nice profit. Presidential dollar errors can be worth $50 to $5,000 each; uncirculated state quarters can sell from $10 to $50 per roll; and rare error coins can value up to $35,000.

    Turn your hobby, skills or expertise into a part-time business. Sites like Jobvana can help you do so by providing you with free tools to market your services and offer specialized skills to those looking for help.

    Peter Olson says he built a profile in September 2008 offering to teach guitar lessons. He has since gained two students, earning about $240 extra dollars per month and grossing around $1,000 since he started teaching.

    5. Enter local and online sweepstakes

    Wendy Limauge has been entering sweepstakes since 1993 and teaching others to win through her Web site, Sweeties Sweeps, since 2002. Though winning sweepstakes rarely provides actual cash, her winnings have consistently provided her and her family with 200 to 300 prizes a year, many of them large items she and her husband couldn’t afford on their incomes alone.

    Prizes she has won include three TVs, two of which are flat-screens; a home theatre system; three dishwashers, each won on separate occasions; at least $1,500 in grocery gift certificates; an $18,000 voucher for the vehicle of her choice; a trip to France valued at $25,000; and, in March 2009, she won $5,000 in an instant-win game.

    The Internet has so many options for saving money, getting something for free, winning a prize or earning money from home, Limauge says. You just need to find those resources that offer helpful information and point you in the right direction to get you started and keep you motivated.

    6. Give your opinion — and get paid

    Linda Childers, a California-based freelance writer, says many of her friends participate in focus groups. Contributing an hour of your time can earn you up to $100, sometimes more. Online surveys, phone surveys and product trials can also earn you anywhere from $5 to $150. Check out Free Paid Surveys or FindFocusGroups.

    7. Sell your junk

    Terri Jay earns $2,000 – $3,000 per month just by selling junk. On eBay, Jay not only sells stuff she isn’t using; she hits up local thrift stores on 99-cent days, garage sales and tack sales, looking for things of which she knows the value. She says her best sale was for a drink tray from the 70s: She paid 25 cents for it and it sold for $87.

    The trick is to [sell] what you know, she advises. Therefore you can list them [at correct prices] so they will get picked up in searches [on eBay].

    8. Join a direct selling company

    Direct selling is one of the easiest ways to earn some extra cash, especially if you sell products you love. Avon, for example, allows you start your own business for $10 — your take home depends on your efforts. Some full-time representatives earn six-figure salaries, others own licensed Avon Beauty Centers and many just sell Avon part time around their family’s schedules.

    Haizel MacIntyre started her Avon business in June of 2008 to earn supplemental income to her full-time job when her husband was laid off. Since joining Avon, MacIntyre averages $1,800 a month in sales and her husband is helping her run the business. Her Avon earnings help pay the bills, provide extras for her three kids and she is hoping to earn enough to put towards her college tuition when she goes back to school to get her Masters in Social Work.

    9. Be a secret shopper

    Keen eyes for detail as well as a good memory are really all that it takes to succeed as a secret shopper, says Zippy Sandler, who has been mystery shopping for about 13 years. After registering with a secret shopping company, you are paid to basically go undercover and report on a company’s operation from the customer point of view.

    Sandler decided to start secret shopping not only to earn money eating, traveling and shopping, but also to learn customer service skills to pass along to the employees she managed at a retail store. Depending on the clients she is shopping for, Sandler says she has earned everywhere from $100 to $2,000 per month.

    10. Sell your photos to stock agencies


  • American Bill Money – ABM – Earn Extra Income From Home, earn extra income from

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    earn extra income from home

    Earn extra income from home

    Let American Bill Money Help You

    Thank you for taking the time to learn how you can benefit financially by being a customer affiliate of American Bill Money.

    I’ve been self-employed and self-sufficient since I turned eighteen years old.

    ABM is in the business of selling advertising, and we specialize in selling Direct Mail Leads of Income Opportunity Seekers and Buyers on peel and stick mailing labels. Since opportunity seekers and buyers are the type of consumers we sell mailing list of, it only made sense to offer an Affiliate Program where our ABM customers not only could zero out the cost of their purchase with us but actually be in profit with only 2 referrals using our simple ready to go system that you’re looking at right now. It Works !

    Earn extra income from home

    ABM ’s residual income system include the services and tools of our automated sales process, which includes a Toll Free recording with all the details of ABM as well as the company website that explains Everything about ABM to your prospects 24 hours a day, seven days a week so you don’t have to. The Home Office answers all the questions from your prospects for you, so you don’t have to. Live operators based here in Virginia and our company website takes orders from your prospects twenty-four hours a day, seven days a week, And We accept all major credit cards, debit cards, personal checks and money orders. ABM is only available in the United States and in English only.

    ABM is professionally managed, American owned, and debt free !

    You can become a ABM customer affiliate, one of two ways:

    1. ABM ’s “Monthly Auto-Ship” Package sells for $125 a month and pays out $75 every month to the Sponsor.

    With the “Auto-Ship” option you are buying 150 Fresh leads of opportunity seekers and buyers each month.

    You will be eligible to purchase 1,000 Postcards every 6 months for half price ($75), or 2,500 Postcards every year for half price ($150).

    1. ABM ’s “Twelve Month Pre-Pay” which sells for $1,500 a year and pays out $900 to the Sponsor. You will immediately receive the 1,800 “Leads” you would have received over the course of 12 months if you were on “auto-ship”.

      And as a BONUS you will receive 5,000 Postcards FREE.

    Now let me show you the money. We pay you a whopping 60% commission immediately on all the people you refer to ABM, after your first referral. That is $75 a month for all that choose the “Monthly Auto-Ship” and $900 a year for all that choose the “Twelve Month Pre-Pay”.

    Your first referral is what is called your “Qualifying Sale” and this is how your Sponsor or Upline will earn money from you and your efforts and that’s okay, because from your second referral on, everybody you personally refer, they in turn each owe YOU their first referral, and those new people each owe you their first referral, and their first referral, and their first referral, and their first referral. This goes on infinitely deep, there is No limit to the levels of duplication you can get paid on.

    Once you fully grasp the profit potential this represents, it’s hard not to put a smile on your face !

    Earn extra income from home

    So Remember from your second referral on, no matter how many people you refer, you get a 60% Commission Residually every month. And all these people each owe their first referral to YOU, and each of them, all owe their first referral to you, who all owe their first referral to you, who all owe their first referral to you. This process can go on forever which is what is called infinitely deep, and you get paid 60% commission on all of them. Don’t worry, we keep track and manage all of this for you and provide genealogy reports with every check. You’re going to Love doing business with us.

    The Earning Potential of our compensation plan is truly staggering and it will, no doubt help many adult Americans gain the money they need to help with their bills, and hopefully help YOU obtain the Financial Freedom you seek and deserve. That’s why I chose the name, American Bill Money, because it Helps Americans Earn More Money to Pay their Bills.

    Think about this! You already accept the fact that the majority of all your bills are residual, that means they keep coming in and have to be paid month after month, pretty much forever right? So, why shouldn’t you be pursuing a simple way, such as ABM to have the residual income you need to take care of those nagging bills instead of just relying on what your employer is willing to pay you for your time which as you know, is Never Enough.

    Just Say “Yes” and Join American Bill Money, Right Now !

    Earn extra income from home


    Ten creative ways to earn extra money, earn extra income from home.#Earn #extra #income #from

    by ,

    Ten creative ways to earn extra money

  • Sell your photographs to stock photo agencies; sell your used books

  • Join a direct selling company like Avon cosmetics

  • Get paid for opinion surveys, enter local or online sweepstakes

    Earn extra income from home

    Earn extra income from home

    Earn extra income from home

    Earn extra income from home Earn extra income from home

    Earn extra income from home Earn extra income from home

    Earn extra income from home

    Editor’s note: CNN.com has a business partnership with CareerBuilder.com, which serves as the exclusive provider of job listings and services to CNN.com.

    Earn extra income from home

    You can sell your skills, your time or your used stuff to make some extra money.

    Earn extra income from home

    With an abundance of job losses, salary cuts, eliminated bonuses and diminished 401(K) matching contributions, your income is shrinking — but the bills aren’t.

    If your regular job isn’t earning you enough cash or you’ve lost your job altogether, these simple side gigs can help put some padding in your pockets until — maybe even after — you get back on your feet.

    Here are 10 ways real people are creatively taking home some extra dough:

    1. Do freelance work

    Felice Premeau Devine left her lucrative, full-time job two years ago to raise her son. In the interim, she’s picked up writing and editing freelance work and started a blog, where she is able to earn a little cash from advertising.

    Nowadays, almost any job can be done on a contract or freelance basis. Check out sites like Sologig, which lead job seekers to contract, consulting, freelance, temp-to-hire and part-time project opportunities in your field.

    2. Sell your books

    Don’t Miss

    If you’re a college student or you hung on to your college textbooks thinking you might want to read them again somewhere down the line, select retailers like Barnes Noble allow you to sell your textbooks for some quick cash. Or, take some classics from your personal library and sell them at a local second-hand bookstore.

    3. Search circulating coinage

    Susan Headley, the guide to coins on About.com, is a lifetime coin collector who has been boosting her income by searching through circulating coinage for the past six years. In 2008, she made about $2,500 and so far in 2009, she has earned approximately $500 from coins she’s found.

    People who search circulating coinage successfully for a side income do so in very large numbers, she says. They buy rolls of coins from banks, typically in whole boxes, and sort through it to find stuff that just doesn’t belong, Headley says. Half dollars, for example, were no longer made from 90 percent silver after 1965, but they still had 40 percent silver in them until 1970; either of these turn a nice profit. Presidential dollar errors can be worth $50 to $5,000 each; uncirculated state quarters can sell from $10 to $50 per roll; and rare error coins can value up to $35,000.

    Turn your hobby, skills or expertise into a part-time business. Sites like Jobvana can help you do so by providing you with free tools to market your services and offer specialized skills to those looking for help.

    Peter Olson says he built a profile in September 2008 offering to teach guitar lessons. He has since gained two students, earning about $240 extra dollars per month and grossing around $1,000 since he started teaching.

    5. Enter local and online sweepstakes

    Wendy Limauge has been entering sweepstakes since 1993 and teaching others to win through her Web site, Sweeties Sweeps, since 2002. Though winning sweepstakes rarely provides actual cash, her winnings have consistently provided her and her family with 200 to 300 prizes a year, many of them large items she and her husband couldn’t afford on their incomes alone.

    Prizes she has won include three TVs, two of which are flat-screens; a home theatre system; three dishwashers, each won on separate occasions; at least $1,500 in grocery gift certificates; an $18,000 voucher for the vehicle of her choice; a trip to France valued at $25,000; and, in March 2009, she won $5,000 in an instant-win game.

    The Internet has so many options for saving money, getting something for free, winning a prize or earning money from home, Limauge says. You just need to find those resources that offer helpful information and point you in the right direction to get you started and keep you motivated.

    6. Give your opinion — and get paid

    Linda Childers, a California-based freelance writer, says many of her friends participate in focus groups. Contributing an hour of your time can earn you up to $100, sometimes more. Online surveys, phone surveys and product trials can also earn you anywhere from $5 to $150. Check out Free Paid Surveys or FindFocusGroups.

    7. Sell your junk

    Terri Jay earns $2,000 – $3,000 per month just by selling junk. On eBay, Jay not only sells stuff she isn’t using; she hits up local thrift stores on 99-cent days, garage sales and tack sales, looking for things of which she knows the value. She says her best sale was for a drink tray from the 70s: She paid 25 cents for it and it sold for $87.

    The trick is to [sell] what you know, she advises. Therefore you can list them [at correct prices] so they will get picked up in searches [on eBay].

    8. Join a direct selling company

    Direct selling is one of the easiest ways to earn some extra cash, especially if you sell products you love. Avon, for example, allows you start your own business for $10 — your take home depends on your efforts. Some full-time representatives earn six-figure salaries, others own licensed Avon Beauty Centers and many just sell Avon part time around their family’s schedules.

    Haizel MacIntyre started her Avon business in June of 2008 to earn supplemental income to her full-time job when her husband was laid off. Since joining Avon, MacIntyre averages $1,800 a month in sales and her husband is helping her run the business. Her Avon earnings help pay the bills, provide extras for her three kids and she is hoping to earn enough to put towards her college tuition when she goes back to school to get her Masters in Social Work.

    9. Be a secret shopper

    Keen eyes for detail as well as a good memory are really all that it takes to succeed as a secret shopper, says Zippy Sandler, who has been mystery shopping for about 13 years. After registering with a secret shopping company, you are paid to basically go undercover and report on a company’s operation from the customer point of view.

    Sandler decided to start secret shopping not only to earn money eating, traveling and shopping, but also to learn customer service skills to pass along to the employees she managed at a retail store. Depending on the clients she is shopping for, Sandler says she has earned everywhere from $100 to $2,000 per month.

    10. Sell your photos to stock agencies


  • USDA Loans and Grants for Single Family Home Repair, home grants for low income families.#Home

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    Loans and Grants for Single Family Home Repair

    Home grants for low income families

    The U.S. Department of Agriculture (USDA) offers low-interest loans and grants to very-low-income homeowners in eligible rural areas for certain improvements to their homes. Specifically, the USDA’s Single Family Housing Repair Loans and Grants Program offers:

    • Loans to qualified very-low-income homeowners to repair, improve, or modernize their homes. Loans may be used to repair, improve, or modernize the home, or to remove health and safety hazards from the home.
    • Grants to qualified elderly very-low-income homeowners. Grants must be used to remove health and safety hazards from the home.

    Who Can Apply?

    In order to qualify for loans or grants, applicants must:

    • Be the homeowner and actually live in the home;
    • Be a citizen of the United States or reside in the United States after having been granted legal permanent resident (green card) status;
    • Be financially unable to obtain affordable credit elsewhere;
    • Have a combined family income below 50% of the area median income; and
    • For grants, be age 62 or older and be financially unable to repay a conventional home repair loan.

    What is an Eligible Area?

    USDA Single Family Housing Repair Loans and Grants Program loans and grants are generally available to homeowners in rural areas with community populations of less than 35,000. The USDA provides a web page where prospective applicants can check their address to determine their eligibility online.

    Within the population limit, loans and grants are available in all 50 states, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, the Northern Mariana s and the Trust Territories of the Pacific Islands.

    How Much Money is Available?

    Loans of up to $20,000 and grants of up to $7,500 are available.

    However, a person age 62 or older may be eligible for combined loans and grants totaling up to $27,500.

    What are the Terms of the Loans or Grants?

    Compared to conventional home repair loans, with interest rates averaging over 4.5%, the terms of the USDA loans are very attractive.

    • Loan interest rates are fixed at 1%.
    • Loans can be repaid over a period of 20 years.
    • Full title service is required for loans of $7,500 or more. (Title service fees are costs associated with issuing a title insurance policy for the lender.)
    • Grants have a lifetime limit of $7,500.
    • Grants do not have to be repaid unless the house is sold in less than 3 years.
    • If the applicant can repay part, but not all of the costs, the applicant may be offered a combination of a loan and a grant.

    Are There Deadlines to Apply?

    As long as Congress continues to fund the program in the annual federal budget, applications for the loans and grants can be submitted year around.

    How Long Does the Application Take?

    Applications for loans and grants are processed in the order they are received. Processing times may vary depending on the availability of funds in the applicant’s area.

    How Do You Apply?

    To begin the process, applicants should meet with a USDA home loan specialist in their area for help with the application.

    What Laws Govern this Program?

    The Single Family Housing Repair Loans and Grants Program is authorized and regulated under the Housing Act of 1949 as amended (7 CFR, Part 3550) and House Bill HB-1-3550 – Direct Single Family Housing Loans and Grants Field Office Handbook.

    Note: Since the above laws are subject to amendment, applicants should contact USDA home loan specialist in their area for current program details.