You can earn above average rates of return because peer-to-peer lending eliminates the bank function. That means that you participate in nearly the entire interest rate being paid by the borrower, rather than the less than 1% that you will typically earn on certificates of deposit. And you can reduce your risk by investing in slices of hundreds of different loans.
With a growing interest in content marketing, more brands are looking for great writers to create content. The secret to succeeding as a writer is to be an expert in a niche. A lot of writers, try to be generalists writing for a wide range of categories from food to tech. However, having a niche focus as writer allows you to write better content. When you have experience in the niche, you can offer a different perspective to a piece of content. That means you’re not just saying the same thing as every other article online. And that’s what brands really want to pay for. Your thoughts, experiences and inside information into their niche.
It can take time to build up your personal freelance business. Yet, there is more demand than ever for freelancers. So, if you want to kick start making money online through freelancing you can join one of the top freelance networks, such as UpWork, Fiverr, Guru, Freelancer.com, or PeoplePerHour. Sign up, build your profile, upload some samples of your work and start making extra money by doing small freelance jobs.

Money can be earned and spent, saved and pilfered, invested and wasted. Not time. That's why time is far more valuable than money. The point? When you lack the luxury of time, making money online (or offline) can seem like an impossible task. How are you supposed to do that when you're working at a life-sucking nine-to-five job? While the stability of full-time employment might allow most to sleep well at night, it doesn't empower your creative juices to search for new income-producing strategies.
Selling digital products can be just as successful as selling physical products. Graphics, software, eBooks, design elements, sound effects, songs and videos are just a few types of digital products that are in popular demand. So if you can turn your hand to creating digital products, let’s have a look at how you can make money online from this skill…
Signing up with Google AdSense will enable you to make money from advertising on your blog. Google AdSense will place relevant ads around your site, and if your site visitors click on these ads, you will earn a fee. Although each click only amounts to small change, if your blog has high levels of traffic, this will quickly amount to a reasonable sum.

Webinars On Air is a powerful webinar tool that will enable you to create professional webinars for your viewers. Harnessing the power of Google Hangouts, this all in one solution will take care of all the technical aspects of hosting a webinar, including payments. Also have a look at our guide to the best webinar software, both free and paid options.


Similar to a YouTube vlogger, if you have a large following on Instagram then you could become an Instagram Influencer. You will be paid to promote products in your photos, from wearing certain clothes to action shots of you using particular merchandise. As your Instagram following grows, you may start out simply receiving freebies in return for a picture of you with the item in shot. However, for those with followings running into millions, you can expect large payments to display products in your pictures. Use sites like Hype Factory to help connect you with companies prepared to pay for your influence.
You will need to ensure that you adhere to a few principles when doing this. You need excellent photos, so investing in a good camera is well worth it here. You also need to ensure a meticulous description of the product, new or used. People appreciate the attention to detail and it will go a long way when trying to sell anything through these bustling online hubs.
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I almost didn't list Swagbucks here because, while it's a great rewards site, they list in their terms that you can't expect for up to 10 days after you cash out. However, it's still an option to earn fast cash because some people report getting paid much faster than this. You can redeem you SB (Swagbucks) for Amazon codes, Paypal cash, and gift cards to popular merchandisers among other things. These points build up quickly thanks the the large number of things you can do on the site to earn. I've used this site and been paid many times.
After you finish your first assignment, ask if they have any other projects for you to do, if they can provide a recommendation on LinkedIn or if they can refer you to someone else needing more work. Over time you could be making a full-time salary with your translation work. It’s a great way to earn money online by putting your language skills to work.
19. eBay – Of course you can’t read an article about making money online that doesn’t mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on eBay and it’s still a popular way to earn money. If you decide to start an actual eBay store, you’ll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.

When creating a membership site, always offer different plans and pricing tiers to appeal to your different categories of audience. Access to specific types of content is then dependent on the plan selected by a member. Membership fees can be a one-off payment or a repeat subscription. And you can even sell products on your membership site to boost your income.


eBay: With eBay, the procedure is very similar. You simply start by becoming an eBay seller and stay in good standing by making sure your PayPal account is verified, and then you can sign up for your store. These three steps allow you to piggyback on eBay’s reputation, reach, and sales and marketing infrastructure in order to sell your own products.

If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.

This has become a popular business model for online entrepreneurs over the past several years, and will probably just continue to grow in popularity. The best thing about selling online courses is that once you do the up-front work in creating the course and setting up your marketing strategy, you can get paid over and over again for work you do once.
First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
Hold a yard sale. If you have a yard or garage and plenty of items to sell, you can have a yard sale as early as tomorrow. By advertising your sale on local Facebook pages and Craigslist, you can also skip the paid newspaper ad and keep all of the profits for yourself. If you don’t have time to price everything, try asking patrons to “make an offer” or grouping similar items on tables with an advertised price (e.g. everything on this table is $5).
If you’re crafty (and I mean that in more than one way, wink wink), you’ll enjoy Etsy. Handcrafted items are the bread and butter here. Plenty of people make decent side money on the site, which is basically an EBay for crafters and artists. Set up a sellers account with Etsy, and you’ll be asked to set up your virtual storefront and put up at least 5 goods for sale.
Using Fiverr is a great way to pick up work. Once you have signed up you can advertise your services. Fiver allows you to create your own gigs, whether you are offering web design, digital marketing, writing, or something else. You can choose how much you want to charge (it can be more than a fiver) and people will then contact you if they are interested in working with you. Fiverr will not only help you get experience if you are just starting off as a freelancer, it will also help you earn some extra cash.

How many email newsletters are you bombarded with every single day? There’s a reason for that. Marketing to an actively interested group of email subscribers is one of the best ways to make money online. There have even been million-dollar businesses built from simple email newsletters like TheSkimm, or Mister Spoils. Each newsletter targets a specific type of user with interesting, daily content, while also partnering with relevant companies and affiliates to bring in extra money. If this seems daunting, it’s not. Tools like MailChimp, Seva (formerly ConvertKit), AWeber, and ActiveCampaign, make it easier than ever to get started with email marketing.
If writing books interests you, an option you have is to self-publish eBooks and paperbacks with Kindle Direct Publishing, and reach millions of readers on Amazon. Publishing takes less than 5 minutes and your book appears on Kindle stores worldwide within 24-48 hours. One can earn up to 70 percent royalty on sales to customers in the US, Canada, UK, Germany, India, France, Italy, Spain, Japan, Brazil, Mexico, Australia, and so on. One can keep control of one's rights and set their own list prices and also make changes to one's books at any time. BooksFundr and Pblishing.com are two other places to get your book published and earn money.
Graphic design is an amazing skill that works with several money making ideas. You can go the print on demand route and sell your designs on your own custom products. Or you can pitch your designs on a crowdsource platform like 99 Designs. You can create your own graphics, templates and more and sell them on marketplaces like Graphic River or Creative Market. Or you can pick up some clients and work as a freelance graphic artist.
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Consider your expertise. If you take the time to reflect on your experiences, you will realize that you have more knowledge about which to write than you might think. Begin by listing three assets that define you, such as your profession, a special hobby or a personality trait. Next, list three things that inspire you, such as religion, education or charity. Finally, list three of your dreams, such as getting married, traveling or spending more time with your children. These three lists should give you many ideas of topics about which you can write.[13]
Before we go any further, let’s talk about the difference between active income and passive income. This distinction will be paramount to your ability to produce serious capital on the web. So what is passive income? Passive income, if you don’t already know, is income that’s earned automatically. It doesn’t require much maintenance once that income stream has been created. However, it does require an enormous amount of effort at the outset to establish that stream of income.
The more online clout you have as a business, the more money you’ll make. If you’re known for making lasting connections (as is the case with GetVoiP above), then you’ll have no issues building your online brand. You’ll be recognized in your community and begin to build a buzz in your industry. Tracking your numbers (how many people view your site, click each ad, and make a purchase from that click) gives you the leverage to expand this part of your business, enabling you to continue building your online rep.
Research individual companies in your desired niche: If possible, it’s always better to become an affiliate directly with a company (if they have an internal affiliate program), as no one else will be dipping into your commission rate. This is the preferred route for most of the prominent affiliate marketers, including Pat Flynn. Unfortunately, it’s also the most work, as you’ll have to do the research yourself to see who offers programs (they’re usually listed in the website footer).
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