The Penny Hoarder |
- TurboTax's Experts Could Help You Take Taxes Off Your To-Do List — and Get the Most Out of Your Return
- OhmConnect Sends You Cash for Cooking Dinner on the Grill
- OhmConnect Will Pay Californians to Skip Laundry Day
- How to Fight Back Against the Companies That Ripped You Off in 2020
- Wondering How to Become an Audiobook Narrator? Here’s How
- Piggyback Loan Is Another Home Financing Option
| Posted: 13 Apr 2021 01:33 PM PDT Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Tax season is here again. And based on what 2020 threw at us, it may feel like filing our taxes is going to be even more complicated than usual. Which is why there is no shame in calling in an expert to help navigate the murky waters of your 2020 tax returns. You don't even need to leave your couch to get the expert advice you need to file with confidence. If you want to file with the help of a real tax expert, or let an expert do your taxes for you from start to finish, TurboTax Live has you covered. Yep. You can talk live on your screen with real tax experts thanks to TurboTax Live. So no matter what your unique tax situation may be, whether you have questions about big life changes, investments or deductions, a real live tax expert will be there to help. You Did a Lot This Year: Let TurboTax Live Experts Help You Get the Most Out of ItYou probably know TurboTax as the DIY way to get your taxes done right — and it still is. But TurboTax Live takes it a step further by having real tax experts available to help with your taxes — or even do it all for you. There are several options to choose from, but all you need to do is answer a few simple questions, and TurboTax will help you find the right tax solution for you. Whether you have a single W-2, are self-employed or somewhere in between, you'll get the right amount of help you need. With TurboTax Live, you can talk live on screen with experts to get unlimited advice about your tax situation and get answers to your questions. Like, what does getting married or having a new baby mean for your taxes? Or what should you do if you sold stock for the first time? If you don't need an expert to do your taxes for you, you can still have an expert give a final review of your return before you file. Either way, you can be confident your return is done right. So while yes, 2020 was a doozy, doing your 2020 taxes doesn't need to be. Get started here to let TurboTax Live experts help, or even do your taxes for you, so you can get your maximum refund, with minimal stress. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||
| OhmConnect Sends You Cash for Cooking Dinner on the Grill Posted: 13 Apr 2021 01:11 PM PDT Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. It's time to cook dinner, and you've got a decision to make: Do you use the stove, or do you go outside and cook on the grill? What if someone paid you to choose the grill? Would that make a difference? Here's the thing: You're not the only person in your area cooking dinner. And all those appliances running at the same time stretches the power grid thin. If you live in California, a company called OhmConnect will pay you to skip the oven at dinner time and give the grid a break. OhmConnect will send you a text when a lot of people in your area are using power, and it will pay you to cut back for an hour — whether that means going outside to grill, turning off your lights or A/C or even turning off your breaker. The more you do, the more money you can make. Here's How to Get Cash from OhmConnect:
This all works because the California electricity market pays OhmConnect to help power companies avoid turning on expensive, dirty power plants. Your company then passes the savings on to you. We talked to one woman, Tanya Williams, who recently earned an extra $1,700 in one year with OhmConnect — more than $140 a month. A few evenings each week, the 45-year-old stay-at-home mom shut down her home's electrical panel and took the kids to the pool, or just played board games. Talk about easy money. Enter your ZIP code here to open a free OhmConnect account, then sync it with your online utility account to start earning cash. Plus, who doesn't love to grill? Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He's a dad, so he loves to grill. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||
| OhmConnect Will Pay Californians to Skip Laundry Day Posted: 13 Apr 2021 01:08 PM PDT Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. As if you needed another excuse to not do the laundry today, here's a totally valid one — Californians can actually make money for skipping a load. How? Well, just by wearing your jeans a third (or fourth) time, you'd be giving the energy grid a break. And one company wants to say thanks — in cold hard cash. If you have a utility account with PG&E, SDG&E or Southern California Edison (which cover nearly every county in California), a company called OhmConnect will pay you to hold off on doing laundry. OhmConnect is a free service that will text you when a lot of people in your area are using power. Your job is to simply use less electricity for about an hour a week. You could turn off your A/C, grill chicken outside for dinner or — you guessed it — wait to do your laundry until tomorrow, during odd hours. Here's How to Get Cash from OhmConnect
This all works because the California electricity market (or California ISO) pays OhmConnect to help them avoid turning on an expensive, dirty power plant. The company then passes the savings on to you. If you want to automate the process, you can even connect a smart thermostat or plug and let OhmConnect do this automatically. Even connecting some of your biggest energy-hogging devices to a smart plug can help you save $350 a year — effortlessly. But you don't need a smart device to save: The more you do, the more money you can make. Enter your ZIP code here to open a free OhmConnect account, then sync it with your online utility account to start earning cash. Your whites can wait until tomorrow. Kari Faber is a staff writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||
| How to Fight Back Against the Companies That Ripped You Off in 2020 Posted: 13 Apr 2021 01:00 PM PDT Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. As if the pandemic didn't take enough from us, there are companies you are using right now that are totally taking advantage of you. Some in a really big way, and most you had absolutely no idea were pulling the wool over your eyes. But you're no sucker! Now that you know, you're ready to fight back. Here are the worst companies that are practically stealing your money — and what you can do to save it. 1. Your Credit Card Company: Stop Paying ThemWhen you don't pay off your credit card balance in full, you can be subjected to some insane interest rates. Like, almost 30% of your balance every month. What your credit card company is charging you should be criminal. But unfortunately, it's not, and you agreed to it when you signed up for your credit card. But you know better now! So — 1. Don't ever overspend on your credit card and again and 2. Pay off the rest of your credit card debt immediately. If you don't have the cash on hand, a low-interest rate personal loan can help you do that (and save you money in the long run). We recommend using a website like AmOne. If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances. The benefit? You'll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you'll get out of debt that much faster. Plus: No credit card payment this month. AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau. It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don't worry — they won't spam you with phone calls. 2. Your Car Insurance Company: Cancel ItCar insurance rates are some of the lowest they have ever been. And you probably wouldn't know that unless you went looking for new insurance last year. Which means your car insurance company has been letting you auto-pay every month without ever telling you that you could be paying them way less (and why would they?). What you should be doing is shopping your options every six months or so — it could save you some serious money. Let's be real, though. It's probably not the first thing you think about when you wake up. But it doesn't have to be. A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it'll show you your options. Using Insure.com, people have saved an average of $489 a year. Yup. That could be $500 back in your pocket just for taking a few minutes to look at your options. 3. Your Credit-Monitoring ServiceAre you paying a company to watch your credit report? You might be, because you know how important a good credit score is to buy a car, take out a mortgage or even open up a business. But if you're looking to get your credit score back on track — or even if it is on track and you want to bump it up — stop paying anyone to monitor it for you. You can get the same help from a free website, like Credit Sesame. Within two minutes, you'll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You'll even be able to spot any errors holding you back (one in five reports have one). James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** "They showed me the ins and outs — how to dot the I's and cross the T's," he said. Getting your free credit score takes less than two minutes. 4. Your Investments: Get up to $200 in Free StockIf you have investments, you likely have a broker — someone who manages your investments and offers advice. If you've worked with them for years, you might not even notice that you're losing a little cut of your investments with each trade. These fees can be a percentage of each transaction or a flat fee. Either way, it's a rip-off. And if you feel like you don't have enough money to start investing, and definitely couldn't afford the fees, you're not alone. But guess what? You really don't need that much — and you can even get free stocks (worth up to $200!) if you know where to look. Whether you've got $5, $100 or $800 to spare, you can start investing with Robinhood. Yeah, you've probably heard of Robinhood. Both investing beginners and pros love it because it doesn't charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it's super easy to use. What's best? When you download the app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It's random, though, so that stock could be worth anywhere from $2.50 to $200 — a nice boost to help you build your investments. 5. Your Banking Account: See if You Can Get More MoneyYep. The place you trust to keep your money safe and growing is getting rich by ripping you off. First, with all those insane fees they charge. Then, by making tons of interest on your money — but only giving you .05% (on average). So if you're sick of getting ripped off, find an account that won't charge you ridiculous fees and earn you way more interest on your savings — it is your money, after all. A debit card called Aspiration lets you earn up to 5% cash back every time you swipe the card and up to 16 times the average interest on the money in your account. Plus, you'll never pay a monthly account maintenance fee. To see how much you could earn, enter your email address here, link your bank account and add at least $10 to your account. And don't worry. Your money is FDIC insured and under a military-grade encryption. That's nerd talk for "this is totally safe." Kari Faber is a staff writer at The Penny Hoarder. ***Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days. Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||
| Wondering How to Become an Audiobook Narrator? Here’s How Posted: 13 Apr 2021 09:00 AM PDT Editor's note: This story was originally published in 2019. While readers and writers have skeptically watched the fluctuating publishing industry in recent years, one literary market has caught us all a bit by surprise: audiobooks. Somewhere along the path of lengthy commutes and ubiquitous smartphones, a market for audiobooks erupted: people who don't otherwise read much. This exploding market makes it imperative for authors and publishers to get books into audio form and on the most popular platforms — Audible (Amazon) and iTunes. Enter Amazon's Audiobook Creative Exchange (ACX), which connects audiobook narrators with books to narrate. Like other publishing services you'll find at Amazon — CreateSpace for print-on-demand books, CDs and DVDs; and Kindle Direct Publishing for ebooks — ACX simplifies the process of producing an audiobook from start to finish. If you're an actor or voice-over artist, you could make money working in this market. Not sure where to start? Here's our guide. How to Become an Audiobook NarratorActor Kris Keppeler has been doing voice-over work for over a decade. "I got started through freelancing and bidding on work," Keppeler said. "I bid on a short audiobook and got that, and it went well. When ACX came along, I started auditioning there… It's taken a little bit to discover where my voice fits." Based on her experience, Keppeler shares some advice — and warnings — for anyone interested in doing audiobook work. What You Need to Know Before AuditioningBefore you spend months auditioning to land your first gig, we have some tips to help you get started. "My voice just fits with audiobook work," Keppeler said. "Actors are especially tuned in for audiobook work, by the nature of our training." That's because actors learn how to represent multiple characters, necessary for fiction narration in particular. Even for nonfiction, acting training can help you animate narration and make a book interesting. "You definitely have to have some training," Keppeler said. "If you regularly listen to audiobooks and like them, that's a good starting point. But you have to have a real desire to do this kind of work, because it's a lot of work." How is narrating an audiobook different from just reading a book aloud? "When you read a book, you're seeing and hearing things in your mind," she said. "When you're narrating that book, what you're seeing and hearing in your mind you have to then vocalize. That's not easy!" Because an audiobook listener relies entirely on your narration, painting the picture just right (and meeting the author's vision) is vital. It's a distinct difference from other voice-over work, like commercials, where images or video complement the narration. Because of this need to draw the reader into a made-up world, narrating fiction requires acting skills. Not everyone is cut out for it. But, "nonfiction has its own challenge," Keppeler said. "Sometimes what you're reading is kind of dry, but you still have to make it interesting." She says it doesn't necessarily matter whether a book is interesting to her. "At this point, whether it is or not, I am narrating it and finding the interesting bits for me and putting it into my voice," Keppeler said. Even if you don't enjoy the subject matter, you can still enjoy the process of producing the book for readers. Learn Proper TechniqueBefore landing her first gig through ACX, Keppeler submitted auditions to the platform for well over a year. Why does it take so long to land a gig? Some of it, Keppeler says, is just learning how to narrate correctly. "I had some coaching that finally brought me to the point of doing a fairly good job." Author Joanna Penn recorded the audio versions of some of her own books. If you can't afford coaching, she offers some tips for beginners at The Creative Penn to help you get started. Some tricks to consider:
Find Your NicheOnce she'd mastered the audiobook reading techniques, Keppeler said, she had to find her niche. She used trial and error. She took whatever narration work came her way, and listened to client feedback. When an author liked her voice, she knew it was a good fit. "In voice-over in general, there are so many different genres," she said. "Most people find you have certain specialities and certain ones don't fit." Once you know your voice and which genres are the best fit, she says, jobs come much more quickly. Only audition for gigs that fit your voice, and the success rate is much higher. You can even search for books by genre. "I'm becoming a bit of a nonfiction specialist," Keppeler said. "[When it comes to fiction], it's hard to learn to do the different voices… Fiction books are heavily character-based, so you're going to have to handle [those] unless you're hired to work with a group, but that's not that common." The Challenges of Audiobook NarrationSome of the work involved goes beyond just recording the voice-over. "Especially if you work through ACX, you have to do the producing yourself," Keppeler said. "[That's] editing and mastering yourself. There's a technical learning curve." Audiobooks require hours and hours of editing, making them much more labor intensive than a lot of other voice-over work. "What I learned editing smaller jobs contributed a lot to being able to jump into audiobooks," Keppeler said. So you might consider starting small. Search online for voice-over jobs — you'll find promotional videos under five minutes or corporate training videos of five to 15 minutes. Even online course videos requiring a few hours of voice-over are much shorter than most audiobooks, which run closer to 10 to 15 hours. Hone your skills on smaller jobs and work your way up to the lengthier projects. What about contracting the technical stuff out to an audio editor? Keppeler says that for what you're paid, it's not usually worth it for an audiobook. You're expected to record, produce and deliver a finished product. Any additional help you bring in will cut into your pay. Keppeler says you're better off just learning to do it yourself. The Creative Penn also offers a few editing tips:
How Much Money Can You Make Reading Audiobooks?ACX doesn't set or recommend rates for producers to charge. But it does point out many narrators are members of the SAG-AFTRA union, which lists minimum rate restrictions. These guaranteed rates vary by publisher/producer. Author Roz Morris tells authors to expect to pay around $200 per finished hour for audiobook narration. However, Keppeler says most freelance audiobook work will be paid in royalties. As you might guess, this reduces an author's upfront cost — as well as their risk in hiring you. While ACX may be a good place to find the work, the pay is usually lower, especially compared with freelance broker sites that aren't dedicated solely to audiobook narration. When you record an audiobook with ACX, you'll choose between setting your own per-finished-hour rate or splitting royalties 50/50 with the rights holder (usually the book's author or publisher). If you charge a flat rate, you'll be paid upon completion of the book. Royalties are paid monthly based on sales from the previous month. Mostly, Keppeler focuses on short books she can quickly complete. And she gets paid a flat rate of about $100 per finished hour, rather than royalties. "I have done royalty deals but only on ACX with short books," she said. "I don't want to tie up my time, because you [typically] make very little on royalty books… I have four royalty books [on ACX], and about $20 trickles in every quarter." Whether or not a royalty deal pays off is largely based on an author's platform, The Creative Penn points out. Research an author before signing an agreement. If you're just looking for a quick job and aren't concerned with long-term sales, you can work with an author regardless of their audience. Set a flat rate, and get your money when the job's done. But if you want to develop a long-term relationship with an author and you've found someone with a sizable audience, you may be better off with the royalty deal. Long term, you could make much more money in sales royalties. Your working relationship with the author also will be strengthened, because you'll be invested in the book's success. Where to Find Audiobook WorkAs with any freelance work, booking a gig directly with the client in your network allows you the most autonomy in setting your rate. Connecting with a client through a freelance broker like Upwork and Freelancer offers less autonomy and usually lower rates than working with someone directly. Bidding through an exchange site like ACX offers the lowest of both. "I only go out to ACX when I don't have other paid work," Keppeler said. ACX also makes it difficult to achieve one of the staples of successful freelance work: repeat clients. Keppeler said the platform isn't really set up to connect authors with narrators long-term. Instead you audition for each job. It eliminates a huge opportunity for narrators to work with an author on a series or future books. Directly connecting through a freelance broker does offer that opportunity. Keppeler said it's how she found the author of this series of books on Wicca, which offered her ongoing work. What ACX is good for, she said, is building your portfolio. If you're just getting started, the platform gives you an opportunity to hone your chops. Practice your narrating and editing skills through auditions, and improve from author feedback. Once you land a few gigs, use those as samples to land clients elsewhere. As audiobooks increase in popularity, Keppeler is seeing more audiobook work appear on Upwork. Freelancers, she says, tend to be better for general voice-over gigs, but not audiobook narration. Audiobook Narrator Must-HavesKeppeler's top tip for anyone getting into voice-over work is to invest in a good microphone and headphones. Early on, she says, "I lost out on work because I didn't have a really great pair of headphones, and there was background noise that I wasn't hearing. If you send something out that's not good enough, they will never hire you again." Eventually, she hired a professional to help improve her set-up. She says she wishes she had done it up front, instead of DIYing. A good pre-amp or audiobox can also help clean up your sound and eliminate background noise. But Keppeler warns against buying a cheap one — it's a tool worth spending money on. Finally, "You have to have a desire to learn the technical part of it," she said. "You can ruin an audiobook with bad editing."     How to Get StartedACX offers comprehensive guides and FAQs for authors, narrators and publishers, so review those before you get started. Here's an overview of how it works:
If you're just getting started in voice-over work, try browsing Upwork for smaller projects you can use to find your voice, build your technical skills and grow your portfolio. Or reach into your network, and get creative to find freelancing gigs on your own. Dana Sitar (@danasitar) is a former branded content editor at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||
| Piggyback Loan Is Another Home Financing Option Posted: 13 Apr 2021 07:00 AM PDT Shopping around for a home loan? Then you're probably trying to figure out how to strike the best balance between your down payment and monthly mortgage expenses. Understanding just how much house you can afford is tricky, which is why it helps to know all of your options in advance. Piggyback loans are just one more financing option you have at your fingertips for purchasing the home of your dreams — even without that 20% down payment. These loans involve taking out two rather than one mortgage, but can save you thousands of dollars on private mortgage insurance for borrowers who can't afford a large down payment. Ready to learn more about piggyback home loans and if borrowing one is the right choice for you? Keep reading. What Is a Piggyback Loan?A piggyback loan, true to its name, is a set of two loans — with one piggybacking off the other. These loans are also sometimes referred to 80/10/10 loans, where the first loan is equal to 80% of your home's purchase price, and the second loan is equal to 10% of the purchase price. This type of financing structure assumes you have at least 10% of the home's purchase price to put toward a down payment. Since many lenders require private mortgage insurance (PMI) on mortgages with less than a 20% down payment, this financing structure can help bridge that gap (for borrowers who don't have the full 20% saved up) and ensure that you avoid paying extra PMI fees— which definitely don't come cheap. Let's crunch some numbers as an example. Say you want to buy a home for $300k. Using a piggyback loan, your financing plan would look something like this:
As you can see, using this financing structure will save you roughly half the sum of your down payment, allowing you to focus on saving up $30k rather than a whopping $60k in order to buy your home. Benefits of piggyback loanThe biggest benefit of a piggyback loan is the savings you get from not having to take out a PMI policy. These insurance policies, which are required by most banks for borrowers putting less than 20% down on their homes, typically cost anywhere from 0.5% to 1% of your total loan amount per year. Some experts claim this number can even go up to 1.86% per year. This might sound insignificant, but let's crunch some numbers to really see what it might actually cost you. Using the same example as before, let's say you were to take out a conventional loan for a house with a $300k listing price, and put 10% as a down payment. This would put your loan amount at roughly $270k. Here's what various PMI payments might look like on a loan this size.
As the numbers will show, PMI is clearly nothing to scoff at. In fact, PMI is so expensive that it could easily cost you a monthly mortgage payment many times over— in addition to actually having to pay your mortgage each month as well. Things To Keep in MindNow that you know a bit more about piggyback loans, and all the savings they can provide, let's talk about some of the downsides. After all, if piggyback mortgages are so convenient, why don't more people get them? The biggest downside of piggyback loans (and the reason more people don't have them) is because they're actually pretty hard to get. Think about it: Instead of going through the loan approval process once, you have to go through it twice. You'll also be borrowing two separate loans at once, which is seen as a higher risk to many lenders. These loans require higher credit scores, and you might even need to apply through a special lender who is accustomed to dealing with these types of financing packages. There's also repayment to consider. Although refinancing a mortgage is typically seen as a relatively simple move for borrowers interested in securing lower interest rates— refinancing will be a lot harder when you have two loans instead of one. You'll also be responsible for paying the closing costs on two separate loans (typically 2% to 5% of the loan amount) as well as any loan origination fees the lender may charge.     How To ApplyAccording to the credit experts at Experian, you'll need a "very good to exceptional" credit score in order to qualify for a piggyback loan. Meaning, your score will need to be at least 700, although you're more likely to qualify with a score of 740 or higher. You should also plan on having enough saved up for as much of a down payment as you can afford, plus some extra funds for closing costs and other fees associated with buying your home. Finally, you'll want to make sure your debt-to-income ratio is within a reasonable range before approaching lenders. While all of these things are pretty standard for anyone on the market to buy a home, the requirements are even more strict when applying for a piggyback loan— making it that much more important to have your financial ducks in a row. Final WordPiggyback loans might not be the most straight-forward financing package out there, but for the right home buyer— they can make all the difference in the world. Sit down and take a good hard look at your finances to decide if borrowing a piggyback loan might be able to help you reach your financial goals. And if the answer is no, don't worry— there are a lot of other options that can help you afford your dream home. Contributor Larissa Runkle specializes in finance, real estate and lifestyle topics. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.  This posting includes an audio/video/photo media file: Download Now |
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