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But I never think for a minute that I'm going to make it big. And I don't "invest" regularly in buying lottery tickets hoping that my retirement dreams will come true when I hit the jackpot.
To me, the lottery is entertainment. It's something that I enjoy after all of my other obligations have been paid and if I have money left over for fun.
A solid investment strategy, taking into account proper asset allocation, is my long-term financial plan. The Investing Answer: The chance of winning millions and being set for life is a powerful draw.
However, your odds of winning big in the lottery are so slim that you are more likely to find a pearl in an oyster or get struck by lightning.
Instead of considering the lottery your long-term financial plan, start investing. The power of compound interest is much more reliable than Powerball.
In , the biggest jackpot in Mega Millions history at the time was shared by ticket holders in New Jersey and Georgia. In January , New Jersey began participating in the Powerball.
At right is Foster Krupa, the New Jersey Lottery's marketing manager. Odds are, you'll have fun! Since , the state lottery association has hosted a game show called Cash Explosion Double Play on Ohio TV.
Photo: Jeffrey Erb, general manager of Main Stop, and Linda Freeworth, manager of Lyons Main Stop Citgo, receive a check from the Ohio Lottery's Marie Kilbane, right, in the store in Lyons, Ohio.
In , as one of his last acts in office, then-Gov. Arnold Schwarzenegger proposed a bill which would increase the efficiency of the California Lottery while increasing the percentage of ticket sales that go to state profits.
Photo: On June 22, , after California joined the Mega Millions club, patrons lined up to purchase the newly available lottery tickets for the first time -- as well as Super Lottos, scratchers and other California Lottery games.
This fund includes subsidies for transportation, tax rebates and Medicare. That's a higher percentage of prize return than most other states.
The other half went to a ticket holder in New Jersey. The Georgia lottery also only returns a third of total sales to the public fund, where the money goes to support education.
The state didn't begin selling lottery tickets until , making it one of the newest systems in the country. That sounds really dumb to say and I hate saying it because that phrase alone sounds scammy as hell.
Go on Pinterest and check out any big blog. Everything they do to make money is sitting right there in front of you.
If you study enough success stories you can see the methods that they use. I just do it because I like to understand how to be successful in a number of niches.
Currently, across my sites, I make over 5 figures every single month. If you want to get an idea of some of my sites besides this one then here is a list of some of them:.
Before I dive into the 5 ways I make money online I want to talk to you about the most important aspect of making money online no matter what route you decide to take: building an audience.
This is a basic concept to understand. If you have an audience that pays attention to you, you can make money.
Without an audience clients, customers, members , you have no business. This is a big reason why one of the first courses in the Blog Simple Framework is a Pinterest Course.
Hogue has written several books he has published online to create an ongoing source of passive income. Not bad, huh?
If you think you could write a book people would want to buy, this is a smart strategy to consider since the start-up costs can be minimal and you probably already have a computer and word processing software anyway.
Another way to make money online is by collecting leads. While I used to have the website set up so I could sell these people life insurance myself, it was a lot of work to process all the different requests and clients.
As a result, I started selling the leads I gathered instead. Basically, lead buyers are willing to pay for the personal information I gather from people who visit my website.
This is a win-win for everyone since I get paid for the leads and my website visitors are connected with someone who can help them. Keep in mind though, you can sell leads in many different industries —not just life insurance.
Really, you just need to figure out a niche, build a website and traffic, and see how much you can get for the leads you collect. Holly told me she started writing content in At the time, she still worked a full-time job but created content online part-time to supplement her income.
Over time, she was able to double and triple her rates until she could quit her full-time job to write. These days, she makes bank as a freelance writer and teaches others to do the same via her online course, Earn More Writing.
According to Johnson, the key to making it as a freelance writer is figuring out a niche, networking with people who might hire you, and delivering high quality content percent of the time.
If you have a website or a large social media following, you can also make money by pursuing sponsored posts and ads.
But, how does this work? Basically, companies are willing to pay bloggers and social media influencers to promote their products and services.
If you have a platform, be it a blog or a huge Instagram following, you can cash in. The first time I got a sponsored post for Good Financial Cents, I was totally blown away.
Later on, however, I realized companies that wanted a sponsored post really just wanted a link from my website to their own site. For that reason, I started increasing my rates.
I also only promote companies I use or believe in. The HQ app is available on Google Play and in the iTunes App Store. While Long Game can be a fun way to pass the time, it can also help you achieve your financial goals.
To get started, you need to verify your identity and link your bank account to the app. Next up, you need to set a savings goal , such as saving for a car down payment.
Then decide on how much you want to be added to your account each payday. The account is FDIC-insured for an added layer of protection and peace of mind.
Do you love the thrill of a good game show? Check out the free Swag IQ app for the chance to test your knowledge on a live trivia game show. You can earn cash just for playing, and a grand prize if you answer all questions correctly.
You get only 10 seconds to select your answer. You can use it to get a second chance to win the grand prize or redeem for cash or gift cards.
If you would like to be one of the first to play a new game and provide your feedback, check out Bananatic. This app is used by game developers for testing their new games, and getting reviews and suggestions on improvements.
Brain Battle has already given away tens of thousands of dollars to lucky players. They do this by sharing back a portion of the advertising revenue with one lucky winner.
There are no in-app purchases and no playing to win. All you need to do is download this free app and play any of the games to collect tickets.
You need to get at least one ticket to be entered into the cash prize drawings. The more tickets you have, the higher your chance of winning the grand prize.
The money is paid out through a Paypal money transfer. Brain Battle is available in the Google Play store and iTunes App Store. Feeling that gambling itch?
Check out the Lucky Day app , which brings the casino to the palm of your hand. Choose from a variety of casino games, including slots, raffles, scratch-offs and more.
You can also use the points to enter raffles, sweepstakes and lottery drawings. You can play free trivia games to win four- and five-digit cash payouts.
Another way to get cash is to join the funding queue for either student loans or mortgage payouts. Your goal should be to get to the top of the queue by completing certain actions such as interacting with ads, participating in sponsorship offers, and so on.
This app is run by the Publishers Clearing House or PCH for short. Some of the games available within the app include mahjong, solitaire, slots and more.
Aside from getting lucky with a top prize, you can also redeem your points for fun giveaways such as gift cards and merchandize. With more than fun games, the Big Time Cash app has something for everyone.
Use them to enter the frequent cash prize drawings. The more tickets you can put in, the better your chance of winning. There are no in-app upgrades or purchases.
Since the app uses part of its advertising dollars to fund the prizes, the more people who join, the bigger the payouts. For example, you might be asked to visit a local electronics store, ask someone in the phone department specific questions, and complete a survey about your experience.
You can complete applications with mystery shopping companies to start booking gigs online or in your area. If you have a penchant for thinking of unique names for websites or businesses, domain flipping could potentially be a lucrative way to make money online.
Tawkify matches online love-seekers based on shared values, interests, and other dating preferences. According to its website, some of the qualities Tawkify looks for in matchmakers include empathy, intuition, and high EQ.
Many small and large businesses alike have trouble organizing and managing projects and teams, which is where project management software like Asana can help.
After your first year of consulting with businesses, you can apply to become an Asana Certified Pro. Dropshipping businesses have become an extremely popular way to make money online over the last decade.
Dropshippers source products from manufacturers, then sell the product through their online store. You never have to store inventory or manage orders.
Shopify, one of the most well-known eCommerce platforms online, offers a free minute workshop on how to start and launch a dropshipping business.
Learn from Corey Ferreira, who's shop made 8, sales last year. This webinar teaches you how to set up your own online store, step-by-step, and how to find awesome products you can quickly import and begin selling immediately.
If you have a great idea, find someone on Freelancer, Upwork, or Fiverr with the technical skills who can help you bring it to life.
You can also use a platform like Build Fire or Appy Pie to create your app with no coding skills needed.
Once your app is live, you can make money by displaying in-app advertisements, offering a premium version, or selling your app to a larger company.
When people think of investing, they imagine the usual: stocks, bonds, real estate, etc. But you can also invest in physical items, such as fine art.
Related : 4 Profitable Ways to Invest in Fine Art. Membership sites can be a great way to share your knowledge, build a community, and create recurring revenue.
A membership typically includes some form of core content, such as a course. For more information, check out this in-depth guide on how to create a paid membership site.
You only need a smartphone camera to get started. Some apps will pay you for your selfies while other sites, like Shutterstock and Adobe Stock, pay for stock photography they can sell to business owners.
Learn more about how to get paid for your pictures. One of my favorite Instagram accounts to follow is Galey Alix.
Galey documents her interior design projects — a business she started and runs on the side of her full-time finance job. Also, left a little surprise at the end here.
Do WHAT you love, LOVE what you do. Start by working with friends and family for free. Document your work online and on social media, and collect testimonials.
Once you have some experience and a feel for your process, you can create service packages and sell them to new clients.
Self-publishing has become popular among new authors. If you already have a blog or personal website, you can use it to sell your book.
The most common method seems to be self-publishing through Amazon with Kindle Direct Publishing. Learn more about how to publish and sell an eBook.
Voice-over artists provide their voice for professional audio work such as games, commercials, and cartoons. If you have a voice for radio, this could be an easy way to make money online.
You can find voice-over work on freelance sites like Fiverr or niche sites such as Voices.
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