Category Archives: Make Money

The Benefits of On-Campus vs. Off-Campus Jobs

On-campus and off-campus jobs provide students with valuable opportunities to gain work experience and earn money while pursuing their education. However, there are differences between the two options that can impact a student’s experience.

This article will explore the benefits of on-campus and off-campus jobs, helping students make informed decisions about their employment choices

The Benefits of On-Campus vs. Off-Campus Jobs

Benefits of On-Campus vs. Off-Campus Jobs

On-Campus Jobs:

Convenience: One of the main benefits of on-campus jobs is their convenience. Since these jobs are located on campus, students can easily walk to their workplace, saving time and transportation costs. This can be particularly advantageous for students who have busy schedules or limited access to transportation.
Flexibility: On-campus jobs often offer more flexible schedules that can accommodate students’ class schedules. Employers at universities understand the importance of education and are often willing to work around students’ academic commitments. This flexibility allows students to prioritize their studies while still earning an income.
Networking: Working on campus provides students with valuable networking opportunities. They can interact with faculty, staff, and other students, building relationships that can lead to future career opportunities. Additionally, on-campus jobs may provide access to career development resources and workshops that can enhance students’ professional growth.

Off-Campus Jobs:

Professional Experience: Off-campus jobs often provide students with valuable real-world work experience. These jobs can be in various industries, allowing students to explore their career interests and gain practical skills that can be applied in future job roles. Employers highly value this experience and can make students more competitive in the job market after graduation.
Networking Outside of Campus: Off-campus jobs allow students to network with professionals in their chosen field. This can help expand their professional connections and potentially lead to internships or job opportunities in the future. Additionally, working in different environments allows students to gain exposure to different work cultures and practices, broadening their perspectives.
Financial Independence: Off-campus jobs often offer higher wages compared to on-campus jobs. This can give students a sense of financial independence and the ability to cover their expenses more comfortably. This financial stability can reduce stress and allow students to focus more on their studies.

On-Campus Jobs

When it comes to finding employment while in college, students have the option of choosing between on-campus and off-campus jobs. Both options have their advantages and drawbacks, but in this article, we will focus on the benefits of on-campus jobs.

1. Flexibility and Convenience

One of the major advantages of on-campus jobs is the flexibility they offer. Since these jobs are located right on campus, students have the convenience of being able to work close to their classes and other academic activities. This makes it easier to manage their schedule and reduces the time and effort required for commuting. Furthermore, on-campus jobs are often designed to accommodate students’ academic commitments, providing flexible working hours that can be adjusted to fit their class schedule.

2. Networking Opportunities

Another significant benefit of on-campus jobs is the networking opportunities they provide. Working on campus allows students to interact with faculty members, staff, and fellow students regularly, providing them with valuable connections. These connections can be beneficial when seeking recommendations, internships, or future job opportunities. Additionally, on-campus jobs often allow students to engage in projects and activities that foster teamwork, leadership development, and professional growth.

3. Familiar Environment and Support

On-campus jobs offer the advantage of a familiar environment and support system. Students who work on campus often feel more comfortable in their work setting as they are already familiar with the campus, its resources, and the culture. This familiarity can lead to increased job satisfaction and productivity. Moreover, on-campus employers often understand student life’s demands and provide support systems to help students balance their academic and work responsibilities.

Off-Campus Jobs

1. Professional Development

One of the key benefits of working off-campus is the opportunity for professional development. Off-campus jobs often provide a more realistic work environment, allowing individuals to gain valuable skills and experience that can help them in their future careers. These jobs may offer specialized training programs, mentorship opportunities, and the chance to work with professionals in their field of interest. By working off-campus, individuals can enhance their resume and build a strong foundation for their professional journey.

2. Higher Pay and Benefits

Another advantage of off-campus jobs is the potential for higher pay and benefits. Jobs in the private sector or industries with higher demand and competition often offer more competitive salaries and benefits packages than on-campus positions. This can be particularly attractive for students who are looking to support themselves financially or pay for their education expenses. Additionally, off-campus jobs may provide perks such as healthcare benefits, retirement plans, and paid time off, contributing to a more stable and satisfying work experience.

3. Diverse Work Experience

Working off-campus can provide individuals with a diverse range of work experiences. Off-campus jobs can be found in various industries and sectors, allowing individuals to explore different career paths and gain a broader understanding of the professional world. This exposure to different work environments and responsibilities can help individuals discover their strengths and interests and make more informed decisions about their future career goals. By diversifying their work experience, individuals can also enhance their adaptability and flexibility, making them more marketable in the job market.

Factors to Consider

Several factors need to be considered when deciding between on-campus and off-campus jobs. Each option offers its own benefits and drawbacks, and understanding these can help individuals make an informed decision that aligns with their needs and goals. Here are three key factors to consider when weighing the benefits of on-campus versus off-campus jobs.

1. Time Commitment

One significant factor to consider is the time commitment required for each type of job. On-campus jobs often offer greater flexibility in terms of working hours. Students can find positions that accommodate their class schedules, allowing them to balance their academic workload. Additionally, on-campus job locations are typically within close proximity to classrooms and dormitories, minimizing commuting time.

On the other hand, off-campus jobs may require individuals to dedicate more time and effort due to longer commute times. This can be a disadvantage, particularly for students who wish to prioritize their studies. Furthermore, off-campus jobs may have fixed working hours that may clash with class schedules, creating potential conflicts.

2. Financial Considerations

Financial considerations are crucial in deciding between on-campus and off-campus jobs. On-campus jobs often offer competitive pay rates, and the earnings can be applied directly to tuition fees or other educational expenses. Some on-campus positions even provide additional benefits, such as free or reduced-cost housing and meal plans, which can significantly reduce living expenses.

On the other hand, off-campus jobs may offer higher pay rates, especially in certain industries or sectors. However, individuals must account for transportation costs, potentially higher rents, and other expenses that come with living off-campus. It is important to carefully evaluate the financial implications of both options and determine which one aligns better with one’s financial goals and obligations.

3. Career Goals

Considering long-term career goals is essential when deciding between on-campus and off-campus jobs. On-campus jobs can provide valuable opportunities to gain experience and develop skills directly related to one’s field of study. Working within a university setting can also provide networking opportunities with professors, administrators, and fellow students who may be valuable connections.

Alternatively, off-campus jobs may offer exposure to different industries and work environments. These experiences can broaden one’s skill set and provide insights into various career paths. Off-campus jobs may also allow individuals to build a professional network outside of the university, which can be advantageous when seeking post-graduation employment.

Frequently Asked Questions

Can I work both on-campus and off-campus?

Students can work on-campus and off-campus jobs if they manage their time effectively. It is important to prioritize academic commitments and ensure that work responsibilities do not interfere with coursework.

Can I switch from an on-campus job to an off-campus job?

Yes, students can switch from an on-campus job to an off-campus job or vice versa. Communicating with employers and providing sufficient notice when making such transitions is essential.

Which option is better for gaining work experience?

Both on-campus and off-campus jobs offer valuable work experience. On-campus jobs provide opportunities to gain experience directly related to a student’s academic field, while off-campus jobs may expose students to different industries and work environments.

How do I find on-campus or off-campus job opportunities?

For on-campus jobs, students can check with their college or university’s career services office, visit job boards specifically for campus employment, or inquire at various departments within the institution. Off-campus job opportunities can be found through online job search platforms, local businesses, or professional networking events.

Conclusion

Whether students choose on-campus or off-campus jobs, they can benefit from gaining work experience, developing new skills, and earning income. On-campus jobs offer flexibility and convenience, while off-campus jobs provide opportunities for networking and diverse experiences.

Ultimately, the decision depends on a student’s personal circumstances, career goals, and priorities. It is important to carefully consider the advantages of both options to make an informed decision that aligns with individual needs and aspirations.

The Impact of Work-Study Programs on Your College Experience

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Work-study programs have a significant impact on the college experience for many students. These programs provide students with valuable work experience while helping to finance their education. Work-study programs offer a range of benefits, including financial assistance, real-world job opportunities, and flexibility to accommodate academic responsibilities. In this article, we will explore the purpose and importance of work-study programs and provide an overview of how these programs work.

Impact of Work-Study Programs on Your College Experience

The Purpose and Importance of Work-Study Programs

Work-study programs serve multiple purposes and offer numerous benefits for both students and colleges. Some of the key purposes and importance of work-study programs include:

Financial assistance: Work-study programs allow students to earn money to help cover educational expenses. This financial aid helps reduce the burden of student loans and allows students to gain valuable work experience while earning an income.
Real-world job opportunities: Work-study programs often offer on-campus job opportunities, which allow students to gain practical experience in their field of study. These jobs can provide valuable skills and knowledge that can enhance a student’s resume and future career prospects.
Flexibility for academic responsibilities: Work-study programs are designed to accommodate the demands of a student’s academic schedule. Employers are often aware of the importance of education and are willing to work around class schedules, ensuring that students have time to focus on their studies.
Professional development: Work-study programs offer students a chance to develop important professional skills, such as time management, communication, teamwork, and problem-solving. These skills are transferable and can be valuable in any future career path.

Overview of Work-Study Programs

Colleges and universities typically offer work-study programs in collaboration with the federal government. These programs provide eligible students with part-time job opportunities, both on and off-campus, to help cover their educational expenses. Here are some key aspects of work-study programs:

Eligibility: Students must demonstrate financial need by completing the Free Application for Federal Student Aid (FAFSA) to qualify for work-study programs. Eligibility is determined by factors such as income, assets, and family size.
Job opportunities: Work-study programs offer a variety of job opportunities, including positions in administrative offices, libraries, research labs, and community service organizations. These jobs can provide students with practical experience related to their field of study.
Hourly wages: Students participating in work-study programs are paid at least the federal minimum wage. The actual wage may vary depending on the job role and required skills.
Funding limitations: Work-study programs have limited funds available, and not all students who qualify for financial aid will be awarded work-study opportunities. Students must apply for work-study early to increase their chances of receiving an award.

Benefits of Work-Study Programs

Work-study programs offer numerous benefits for college students, providing financial aid and valuable work experience that can enhance their college experience and future career prospects. Here are some of the key benefits of work-study programs:

Financial Aid and Tuition Assistance

Work-study programs can help students finance their college education by providing additional funds to cover expenses such as textbooks, supplies, and living costs.
The money earned through work-study programs can help reduce reliance on student loans and minimize the financial burden of college.
These programs offer an opportunity to work part-time while pursuing a degree, allowing students to balance work and academics effectively.

Gaining Relevant Work Experience

Work-study programs allow students to gain practical work experience and develop essential skills related to their field of study.
By working in roles aligned with their interests or majors, students understand their chosen career paths and develop a competitive edge in the job market.
Work-study jobs often offer opportunities to work on-campus or in community-based organizations, allowing students to engage with their campus community and contribute to meaningful projects.

Building Professional Networks

Work-study programs often allow students to interact with faculty, staff, and professionals in their field of study.
These connections can be instrumental in building professional networks and securing internships or full-time job opportunities after graduation.
Students can develop mentoring relationships, receive guidance and advice, and gain insights into potential career paths through their work-study experiences.

Impact on Academic Performance

Working while studying can have both positive and negative impacts on academic performance. It is essential to balance work and study to ensure your college experience is successful. Here are some key points to consider:

Balancing Work and Study

– Working part-time or participating in a work-study program can provide financial support and valuable work experience.

– However, it is crucial to prioritize your academic responsibilities and ensure that work does not interfere with your studies.

– Finding the right balance between work and study requires effective time management and organizational skills.

Time Management Skills

– Working while studying can enhance your time management skills as you learn to allocate your time efficiently between work, classes, and studying.

– By juggling multiple responsibilities, you develop skills in prioritization, planning, and meeting deadlines.

– Learning to manage your time effectively can have long-term benefits for your academic and professional life.

Development of Transferable Skills

– Participating in work-study programs or employment during college can help you develop transferable skills highly valued by employers.

– These skills may include communication, teamwork, problem-solving, and adaptability.

– Working while studying allows you to gain practical experience and apply your academic knowledge in a real-world setting.

Integration into Campus Community

One of the key benefits of participating in a work-study program is the opportunity to integrate into the campus community. Work-study programs allow students to get involved in student organizations and interact with their peers and faculty members. These experiences can significantly impact your college experience and contribute to your personal and academic growth.

Involvement in Student Organizations

Participating in student organizations is an excellent way to meet new people, develop leadership skills, and make a positive impact on campus. Work-study programs often offer opportunities for students to work in various departments or offices, such as the student activities center, career services, or the campus newspaper. By being involved in these organizations, you can gain valuable experience, build a network of friends and mentors, and enhance campus life.

Increased Interaction with Peers and Faculty

In addition to being involved in student organizations, work-study programs provide students with increased interaction with their peers and faculty members. Working on campus allows you to collaborate with other students with similar interests or academic goals. This can lead to meaningful friendships, study groups, and a sense of community. Moreover, working closely with faculty members can provide mentorship opportunities, guidance in your academic pursuits, and potential research or internship opportunities.

By participating in a work-study program, you can enhance your college experience by becoming an active campus community member. Through involvement in student organizations and increased interaction with peers and faculty, you can develop valuable skills, form meaningful connections, and contribute to a vibrant and inclusive campus environment.

Stay tuned for the next section, where we will discuss the academic and professional benefits of work-study programs in more detail.

Career Advancement and Post-College Outcomes

Work-study programs can significantly impact a student’s career advancement and post-college outcomes. Here are some key ways in which work-study programs can benefit students in their career journeys:

Improved Job Prospects

Work-study programs provide students with valuable work experience that can enhance their resumes and make them stand out to potential employers. By participating in a work-study program, students can develop relevant skills, gain industry knowledge, and demonstrate their ability to balance work and academics.

Transition to Full-Time Employment

Work-study programs serve as a stepping stone to full-time employment for many students. By working in a part-time job related to their field of study, students can build networks, make professional connections, and potentially secure job offers after graduation. Employers often value work-study experience as it demonstrates a student’s dedication and work ethic.

Long-Term Impact on Career Trajectory

The benefits of participating in a work-study program can extend well beyond graduation. Research has shown that students who engage in work-study programs are more likely to have higher earnings and greater job satisfaction later in their careers. Work-study experience can give students valuable transferrable skills and the confidence to excel in their chosen profession.

It’s important to note that the impact of work-study programs on career advancement and post-college outcomes may vary depending on individual circumstances and the nature of the work-study position. Nevertheless, these programs offer students an opportunity to gain practical experience, build professional networks, and develop skills that can contribute to their long-term success in the workforce.

Potential Challenges and How to Overcome Them

Managing Workload and Stress

One of the main challenges of participating in a work-study program is managing your workload and dealing with the stress of balancing work and academics. Here are some tips to help you overcome these challenges:

Prioritize your tasks: Make a to-do list and prioritize your tasks based on deadlines and importance. This will help you stay organized and promptly complete your assignments and work responsibilities.
Time management: Develop good time management skills by setting aside time for studying, attending classes, and working. Create a schedule allowing sufficient time to complete your tasks without feeling overwhelmed.
Take breaks: Remember to take breaks and give yourself some time to relax and recharge. This will help prevent burnout and improve your overall productivity.
Utilize campus resources: Take advantage of campus resources such as academic advisors, tutoring services, and counseling centers. These resources can provide support and guidance to help you manage your workload and cope with stress.

Finding the Right Balance

Finding the right balance between work, academics, and other aspects of your life is crucial for a successful college experience. Here are some strategies to help you find that balance:

Set realistic expectations: Understand your limitations and set realistic expectations for yourself. It’s important not to take on more than you can handle, as this can lead to stress and burnout.
Communicate with your employer and professors: If you’re feeling overwhelmed, don’t hesitate to communicate with your employer and professors. Let them know about your workload and ask for any necessary accommodations or extensions. Most employers and professors are understanding and willing to work with you.
Take care of yourself: Prioritize self-care and make time for activities that you enjoy. This can include exercise, spending time with friends and family, or engaging in hobbies. Taking care of your mental and physical well-being is crucial for maintaining a healthy work-life balance.

Conclusion

Work-study programs play a significant role in enhancing the college experience for students. The impact of work-study programs can be summarized as follows:

Work-study programs provide students with valuable work experience while studying, allowing them to develop essential skills and build a professional network.
Students in work-study programs often have better time management skills and learn to balance their academic and work responsibilities effectively.
Work-study programs can help students finance their education and reduce their reliance on student loans, thus decreasing the debt burden after graduation.
Students who participate in work-study programs may have better post-college employment opportunities as they have gained relevant work experience during their studies.

When choosing a work-study program, it is important to consider the following factors:

Field of study: Look for work-study opportunities that align with your desired career path, as it can provide you with relevant work experience and help you build connections in your chosen field.
Availability of positions: Some work-study programs have limited funding or positions. It is crucial to apply early and explore various options to secure a work-study position.
Off-campus opportunities: While most work-study positions are on-campus, some programs offer community service options that allow students to work with non-profit organizations. Consider the off-campus opportunities and the potential impact you can make in the community.
Funding allocation: Understand how work-study funds are disbursed. In some cases, funds may be applied directly to tuition and other expenses, while others may be paid as a regular paycheck to cover day-to-day expenses.
Work schedule flexibility: Consider the flexibility of work schedules and the number of hours required per week. It is important to find a balance between work and academic commitments.

The Pros and Cons of Work-Study Programs

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Pros and Cons of Work-Study Programs

Work-study programs allow students to work part-time jobs while pursuing their studies. These jobs, typically available to both undergraduate and graduate students with financial needs, can be on or off-campus and are often related to a student’s field of study.

However, like any program, some pros and cons need to be considered.

What is a Work-Study Program?

Federal Work-Study is a financial aid program that needs to be applied for when filling out your financial aid application. It provides part-time jobs for students who demonstrate financial need. These jobs typically involve working with the public or are loosely related to a student’s course of study. In addition to on-campus work-study jobs, off-campus jobs are often available with local businesses subsidized by your school.

The Benefits of Work-Study

Work-study programs offer several potential advantages.

Gaining Experience in Your Field

Most colleges aim to match students with work-study jobs that align with their chosen course of study, providing an opportunity for real-world experience in the student’s field of study.

Flexibility

Work-study programs understand that students have academic commitments. Therefore, most work-study jobs offer flexibility in hours and work around your class schedule.

Less Competition

As work-study jobs are only offered to students who qualify, the potential pool of applicants is considerably smaller than the jobs a student might apply for off-campus, leading to less competition amongst potential job candidates.

Financial Relief

Work-study jobs provide extra cash that you can put aside towards paying tuition costs, potentially allowing you to take out fewer college loans and accumulate less debt in the long run.

Impact on Financial Aid

Earnings from work-study do not count on your FAFSA, which can potentially maintain or increase the amount of financial aid you are eligible for, unlike earnings from a part-time job off-campus.

Convenient Locations

Most work-study jobs are located directly on campus, saving students a significant amount of time commuting over the course of a semester.

The Drawbacks of Work-Study

Despite the benefits, there are some drawbacks to work-study programs.

Low Wages

Most work-study jobs only pay minimum wage, which may not be enough to support recreational activities or educational expenses, particularly given that work-study jobs may ask students to handle more complicated tasks compared to other low-paying jobs.

Limited Hours

Work-study jobs typically have a strict maximum number of hours students may work in a week, which, coupled with low wages, can result in a paycheck that fails to offset the added burden work-study can bring.

Time Constraints

Engaging in work-study can take time away from studying, impacting your academic performance if not managed effectively.

Demographics of Work-Study Students

As of 2021, over 289,022 work-study students are currently employed in the United States. Of this, 66.6% of all work-study students were women, while 33.4% were men. The average age of an employed work study student was 47 years old. The most common ethnicity of work study students was White (57.2%), followed by Hispanic or Latino (17.6%), Black or African American (11.3%), and Asian (8.2%).

Best Ways to Invest While a College Student

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Best Ways to Invest While a College Student

As a college student, it may be hard to think about investing when faced with overwhelming assignments and responsibilities. However, investing early on can significantly impact your financial future. With the right investment strategy, you don’t have to wait until you finish your degree to start building wealth. In this blog post, we’ll explore the best ways for college students to invest their money and gain financial freedom. Whether you’re looking to invest in stocks, real estate, or other assets, we have some tips that can help you get started today. So, let’s dive in!

The Importance of Investing as a College Student

Investing can be daunting, especially for college students who are juggling coursework, part-time jobs, and other responsibilities. However, it’s never too early to start investing, and college is the ideal time to do so. In fact, investing while in college can provide tremendous long-term benefits for young adults by allowing them to take advantage of compounding interest and earning returns on their investments. With diverse investment options available, such as stocks, ETFs, and mutual funds, college students can tailor their investing strategies to suit their financial goals and timeframes. Additionally, planning for retirement during college can set students on a solid path toward long-term financial security. By automating savings and investments and utilizing low-cost brokers and apps, college students can make investing a habit and set themselves up for future financial success.

Understanding Investment Options: Stocks, ETFs, and Mutual Funds

As a college student, it’s important to understand the different investment options available to you. Stocks, ETFs, and mutual funds are all popular ways to invest your money. Stocks are ownership shares in a company, while ETFs and mutual funds are collections of stocks and bonds that are managed by financial professionals. Investing in a diversified portfolio can help reduce risk and increase potential returns. When deciding between ETFs and mutual funds, it’s important to consider factors such as fees, minimum investments, and tax implications. As a new investor, it may be beneficial to stick with index funds or ETFs that mirror the market. It’s also important to plan for the future and consider options such as an IRA to save for retirement.

The Benefits of a Diversified Portfolio

In investing, it’s always wise not to put all your eggs in one basket. That’s where a diversified portfolio comes into play. Investing in various sectors or asset classes can spread your risk and potentially increase your returns. This is especially important for college students who may not have a lot of money to invest but want to start building their wealth. By diversifying your portfolio, you can ensure that you are not overly exposed to one particular company or industry. Additionally, a diversified portfolio can help you weather market volatility better. So instead of trying to guess which stock or fund will perform well, focus on building a well-diversified portfolio and let time and consistency do the rest.

Investing in Index Funds vs. ETFs

Section 4 of the blog discusses the difference between investing in index funds and ETFs. Both options offer a simple way to diversify a portfolio, as they offer exposure to hundreds or even thousands of securities. However, the main difference is in their management style. Most index funds are actively managed, while ETFs are passive investments that track a particular index. This can result in lower fees and a more tax-efficient investment with ETFs. In addition, ETFs can have a lower minimum investment than index funds. As a beginner investor, it’s important to consider both options and determine which one aligns best with your investment goals and budget.

Planning for Retirement with an IRA

As a college student, it’s never too early to start thinking about retirement. One of the best investments that a student can make is an IRA, specifically a Roth IRA. Roth IRAs are great for students because they offer tax benefits that can help them save more money in the long run. It’s important to make sure that you’re contributing to your IRA consistently, even if it’s just a little bit each month. In addition to IRAs, employer-sponsored retirement plans are also a great option. These plans often provide matching contributions, which can help you save even more. By starting to plan for retirement now, college students can set themselves up for a comfortable financial future.

Choosing a Brokerage Account: What to Look For

When it comes to investing, having a brokerage account is an essential tool for buying and selling assets. As a college student, choosing a brokerage account that fits your needs and budget is important. Look for an account with low fees or zero fees for buying and selling assets. You’ll also want to consider whether you prefer a traditional brokerage account or a trading app. Additionally, make sure the account offers a simple, user-friendly platform to manage your investments. Take the time to research and compare different brokerage options before making a decision. Remember, a good brokerage account can help you achieve your financial goals while in college and beyond.

Getting Started with Passive Investing

Once college students understand the investment options available to them, they can start exploring passive investing. This method of investing involves putting your money into low-cost index funds and ETFs. It’s a hands-off approach that provides diversification quickly. Even students can start making passive income using Scholaroo’s list of the best passive income ideas. Investment apps like Robinhood are also valuable options for college students who want to start trading without fees. It’s possible to create passive income through certain financial products or by starting a business that requires an initial investment. College students can diversify their portfolios and minimize risk by investing in index funds or spreading their money across different investments. Overall, starting with passive investing can be a great way for college students to invest their money.

Why New Investors Should Consider Mutual Funds

When it comes to starting an investment portfolio, new investors should consider mutual funds as a viable option. As previously mentioned, a diversified portfolio is essential for long-term growth and success. Mutual funds offer just that, as they contain a mix of stocks, bonds, and other assets managed by a professional portfolio manager. This removes the need for new investors to select individual stocks or bonds, which can be challenging and risky. Additionally, mutual funds provide instant diversification and can be purchased with low minimum investments. Furthermore, mutual funds are continuously monitored, making it easier for investors to make informed decisions without being experts in the stock market. For new investors, mutual funds are a simple and effective way to build an investment portfolio that is diversified and managed by experienced professionals.

Automating Savings and Investments for Success

Automating savings and investments is an important step toward financial success, especially for college students who may already be juggling a tight budget. By setting up automatic transfers from a checking account into an investment or savings account, students can ensure that money is being put aside each month without actively remembering to do so. This helps with long-term savings goals and creates a sense of financial stability and security. Additionally, utilizing apps and low-cost brokers can make investing and managing investments more accessible and user-friendly. By combining automation with smart investment choices, college students can set themselves up for a financially stable future.

Finding Low-Cost Brokers and Apps for Investing

When it comes to investing, college students may not have a lot of extra money to spare. That’s why finding low-cost brokers and apps that fit their budget is important. Several investing platforms offer commission-free trades and low expenses for account maintenance. It’s also important to consider the range of investment options available and the educational resources provided. Some of the best low-cost brokers and apps for college students include Stash, Betterment, TD Ameritrade, and Plynk. College students can start building their investment portfolio without breaking the bank by choosing a platform that fits their needs and budget.

5 Must-Have Smartphone Apps That Will Save You A Ton of Money

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5 Apps That Will Save You Money

Ever heard the phrase, “Money saved is money earned”? Well, it’s true; and if you want to save money, you are not alone.

Whether you are an entrepreneur, an intrapreneur, a homemaker, or a student, saving money is always attractive. However, keeping track of your expenses can be difficult in today’s fast-paced life. There is so much to take care of on the professional and personal front, and at times, finance can quickly get out of hand.

If you are keen on getting things fixed and saving money, here are 5 apps you must have.

1. Ibotta

Buying groceries and other household purchases is an expense that no one can avoid. However, with this app, you can get cash back for many of your purchases, both in-store and online. Ibotta has partnered with around 2,000 retailers and covers groceries, entertainment, eating out, pet supplies, clothing, and more.

You can earn cash in three ways:

For Online Purchases:

Shop through the app or with the Ibotta browser extension.

For Retail Shopping:

After you have shopped at your retail store, add offers and submit your receipt.
Through the Ibotta app, purchase a retailer gift card or link your retailer loyalty accounts to the app.

Also, every time you complete a task (like watching a video, taking a poll, or sharing on Facebook), cash is added to your account, which you can access when you make a purchase.

When you make a verified purchase, the money will be directly transferred to your bank account, sent to your PayPal account, or turned into gift cards.

2. You Need A Budget

You Need A Budget (YNAB) is an app designed specifically to help you gain control over your money. The app gathers all the information from different portals into one central view. So, all data from your bank accounts, loan balances, and credit cards are in one place, so you can start budgeting without getting overwhelmed.

Also, budgeting is not restrictive. It is custom-made according to your preferences, so you can design your budget without feeling guilty. The app also helps you align your money with your goals. So, whether you want a car or a house, simply set the target and watch the balance fill up.

You can start with the app’s free trial and budget using their proven method (a 4-step method—give every dollar a job). If you find the app useful, you can continue using it.

3. Acorns

Acorns is an investment app that helps you save money and invest spare change. It rounds up purchases made on the debit and credit cards linked to the app. It transfers the difference to the Acorns account for saving and investment. This way, your money can work toward your financial goals.

The app offers diversified portfolios, so you can decide whether you want to invest in a conservative or aggressive fund, round-ups, recurring investments, and more. The app started as a micro-investing platform, but with its high growth and significant expansion, it now offers five products.

Also, the app is ideal for people who want to learn about financing, budgeting, and more. It runs a literacy program that helps its users learn about the various aspects of money management.

4. Mint

With 30 million users, Mint is the most downloaded personal finance app. The app links all your accounts so you can keep track of all your financial activity. It also tracks your expenses, recognizes your spending patterns, and curates a budget for you.

This helps you fulfill all your obligations and save for emergencies, retirements, and more. With reminders for upcoming bills and due dates, the app also enables you to stay on top of your bills, so you don’t have to spend extra on penalties and late fees.

5. Chime

Chime is a mobile banking app that offers a spending account and a Visa debit card. With these, you can safely deposit funds, learn about your transactions, and track where you are spending the most.

It also has another feature—an optional high-yield savings account. It controls the savings at two points—save when you get paid and save when you spend.

In the case of “save when you get paid”, the app automatically sets aside a part (10%) of the credited amount in Chime. It transfers this to your Chime’s savings account, which offers 1.50% APY.

With “save when you spend,” Chime rounds up the purchases you made with the Chime Credit card, and it transfers the difference to your savings account.

Apart from the above features, Chime has a host of other features that make banking very convenient.

Conclusion

Saving money is a difficult task—one that people don’t master easily. However, with the help of financing, budgeting, and cashback apps, you can get closer to your goal.

We hope the top 5 must-have smartphone apps we have listed will help you save a ton of money.

How To Sell Your Old College Textbooks And Make Some Extra Money

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sell Old College Textbooks

Apart from tuition, one of the major expenses college students face is their textbooks as well as course materials. In 2021, full-time, undergraduate students spent approximately $1240 on textbooks on average.

While this is an unavoidable expense, there are still ways to get your money back once you’re done using these textbooks. After the end of the semester, the piles of books in your cupboard are of no use to you plus it only occupies space. There is always a demand for used college textbooks and this can be a golden opportunity for anyone looking to sell their used copies.

Here’s what you need to know about selling your old college textbooks so you can make some extra money.

Maintaining the Condition of Your Old College Textbooks

Whether you had pre-planned or have just decided to sell your books, the condition of your books will play a major role in determining how much you’re able to sell them for. A buyer or a bookseller may refuse to entertain textbooks with doodlings or drawings.

Loose-bound books or books with missing pages and water and food stains will also not be accepted by most buyers. If your textbooks include supplementary materials like a CD, make sure you have those intact.

While the easiest way to avoid this is by using the books with care or trying to restore the books as much as possible. And since you may decide to sell your next batch of textbooks as well, make sure to keep them in good condition.

When To Sell Your Books

Typically, there is a higher demand for textbooks at the start of the semester, whereas there will be little to no demand at the end of the semester.

Generally, there is a major drop in the book value during summer and the demand shoots up once school reopens. So, aim to sell the old textbooks before school begins.

Keep in mind that the book value decreases over the years and can reduce significantly if new editions are released by the publishers.

Best Ways to Sell Your College Textbooks

Once you have ensured that your books are in good condition and have decided when you will be putting them up for sale, you have multiple options for selling your books.

1. Sell Directly To Students

The easiest way to sell your old college textbooks is to sell them in person to students. When you decide to sell them directly to a new student, your potential customers are mostly your juniors. You can advertise your textbooks through word of mouth or by putting up a notice in your dorm or on social media accounts like Facebook.

As for pricing your books, you can find out the average price at which your nearby stores are selling used copies and lower your price by a few dollars. This will ensure that you get more money as you will be cutting out the middleman and selling directly to your customers. You will also be charging less than bookstores.

2. Selling To A Bookstore

Many bookstores tend to buy back used college textbooks. In this case, however, there is a middleman involved so you will get a lower price for your books.

It is a very convenient way to sell your books that will also get you hard cash in hand. However, selling your books at a bookstore most often gets you the lowest price compared to any other method.

3. Selling Online

A lot of students prefer buying second-hand textbooks online, so this is an effective way for you to sell your books. Here are some of the most popular sites where you can sell your old college textbooks:

Amazon
eBay
Decluttr
BookByte
BookDeal
GoTextbooks
Cash4books

How It Works

Selling your books online is typically a fairly simple process.

You will have to look up your textbook’s ISBN (International Standard Book Number). Once you have that, enter the ISBN on the site and you will receive a quote for the books. You can then decide whether or not you want to sell the books to that site.

If you decide to sell your books, you receive a prepaid shipping label that you can get printed and ship your book to them. Some sites may require you to pay the shipping fee.

Make sure you provide correct information about the condition of your book. If your books do not match the description you have given, there is a very high likelihood that the books will be returned to you.

Selling online will get you the best price for your book as you can compare quotes from different sites and select a site that’s giving you the best deal. However, it is also the option that requires the most effort on your part.

Conclusion

College textbooks have a decent resale value. And though there are a number of ways to sell your old college textbooks, ideally, the best option is the one that gets you the highest price for your books with the least hassle.

Make sure you maintain the condition of your books and sell them at the right time to increase your likelihood of turning a profit.

The Best “At Home” Jobs For Students Who Don’t Want COVID Exposure

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For half of us, working from home is ideal. Whether this is because you’re an unsociable person or because working in retail just isn’t worth the risk of COVID, self-sufficiency is important. The reality of getting a job during a pandemic and economic instability isn’t great, but the outlook on working from home is actually looking up.

Here are the 10 best jobs you can do from home this summer:

1. Tutoring

With schools being closed, many parents will be looking to home-school their children. To keep them brushed up on their Maths, Economics or whatever it may be, paying a tutor for online classes is their go-to option right now. Or, if you’re looking to teach English, parents in China pay a very handsome sum – but beware, the hours are odd.

2. Content Writer

There’s always content to be written, no matter the political or sociological climate. The beauty of content writing is that it can be for any student, no matter what they’re studying. Your best bet is to try and get started on Upwork, and then contact businesses and outlets directly after having built up a portfolio.

3. Customer Service

Given that most businesses have turned to working from home, even more customer interaction is done online at the moment. This is why there are so many opportunities to work in online customer service, such as answering customers on the Live Chat, or on emails or even social media. Pay usually isn’t very high, but then the work isn’t very hard…

4. Video Editor

If you have great video editing skills or animation experience, then freelance work is a great option. This market is only growing, particularly because social media (Youtube in particular) is being watched even more due to lockdown. There are lots of medium-sized channels out there looking for extra editing support, and pay a fair amount.

5. Programming and IT

Programming is an extremely general term, but it’s included because the opportunities are also a wide net. Money will be made from whatever you’re good at. Backend developers and database engineers will get better money and have less competition than front end, but you’re best off checking for yourself. Type the language or software that you’re an expert in to Fiverr or Upwork and see what kind, how many, and what pay the job posts that arise are.

6. Virtual Assistant

There are a lot of virtual Assistant jobs online, and all you need for them is some general, basic IT skills as well as good soft skills. You’ll often get at least the US minimum wage for sending emails, data entry and other basic admin tasks.

7. Translation work

If you’re fluent in two or more languages, then you’re almost guaranteed to be able to find some translation work. The pay can vary, but this is a good way to keep on top of your writing or speaking skills in both languages. Plus, if you’re fast at reading and typing, you can earn good money. If you’re not bilingual, you can still make money transcribing English audio. You have to be a fast and accurate touch typist, but you can easily make $20 per hour.

8. Start a website and create a brand

If you’re able to do almost any of the above, or perhaps you’re just looking to start a blog, then creating a website and branding it is a fantastic use of time. It doesn’t matter if you’re trying to sell writing services, photographs, programming, tutoring… Building up a following on social media and developing a website will be an exercise in SEO, branding, and many other skills that will look great on your CV — and maybe you can start monetizing it within a few months.

9. Drop Serving

If you’re entrepreneurially inclined, there’s certainly some opportunities in dropshipping. It’s like Drop Shipping, only not with physical products. So, when you receive payment on your website for services, such as web building or graphic design, you outsource the work to someone else — so you’re just the middleman. It takes some time setting up, but it can scale much larger than the other options.

10. Rent out what you’re not using

Okay, so this is only one that isn’t a “job” per se, but it’s a good money-making opportunity. There’s plenty of things that Coronavirus has put an abrupt end to, and these are the things you could be renting out. For example, public transports have been mostly put on hold, and you’re likely not using your car much right now — so why not rent it out? Likewise, you can also rent out your parking space too.

At the end of the day, it will heavily depend on what skills you have and what you’re studying for. The best paid jobs will be skill-specific, so you’re best off leveraging what you’re studying for and try to work freelance (i.e. web developer, bookkeeper, graphic designer, and so on).

30 collectibles you may have at home and cash out quickly

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Do you have an unexpected bill you need to pay, and fast? Take a dig throughout your attic – heirlooms and collectibles you’ve been hanging on to for decades could be worth more than you think.

If you get lucky, some may make you a small fortune? Which items should you keep your eyes peeled for? Below, we’ll list 30 collectibles that you can convert into cash, be it online or down at the pawn shop.

(1) Sports cards

Do you have binders filled with baseball cards rammed away in the corner of your attic? Check them – they could be traded for thousands of dollars.

The average card in ‘excellent condition’ from the 1970s trades for about $10-$20. Multiply that by hundreds of cards, and you could have a tidy sum on your hands. And if your Dad gifted you cards from his era? You could strike it big!

(2) Pokemon cards and Magic The Gathering

Sports cards aren’t the only collectible cards worth mad money. Some Pokemon cards are in short supply – Machamps from the 1^st edition run in 1999 are worth 1,000 USD. Have you got a 1^st edition Shadowless Charizard? 3,000 USD is the market rate. Magic: The Gathering has even a bigger market, especially for graded mint MTG cards.

And if you somehow have one of the five Pikachu Illustrators in existence, accept no less than 100,000 USD for it.

(3) Books

If you inherited a bunch of dusty, old books from your parent’s estate, take a closer look at them. Limited first printings of certain books can be worth radically more than later printings. For instance, Casino Royale, the first James Bond novel by Ian Fleming, had a first edition of 4,700 copies.

If its dust jacket is in good shape, you can flip it for 40,000 USD. If it’s in mint shape, you have a 130,000 USD novel on your hands.

(4) Coins

A popular collectible, it can be hard to make money even on older coins. For example, you’ll be lucky to get 10 USD for a circulated dime from 1916.

However, runs of coins with mistakes can be worth dramatically more, thanks to their rarity. Double dies, broadstrikes, and coins struck with the wrong design can be worth hundreds, even thousands of dollars.

(5) Video games

We don’t mean to make Gen Xers feel old, but – the games you played as kids could now be worth serious cash. If you have a copy of Sonic the Hedgehog that’s in good condition, that’s 400 USD right there.

Remember working up a sweat playing Stadium Events? If so, you might want to check the floor pad it came with. If it is called the ‘Bandi Family Fun Fitness’ pad rather than the Power Pad, you have a 1,000 USD game on your hands.

(6) Vinyl records

Vinyl is enjoying a resurgence lately. As such, the value of rare, collectible records is on the rise. For example, the 1^st pressing of Buddy Holly’s “That’ll Be The Day” is worth 1,000 USD in good condition.

Did you get a hold of Nirvana’s first album, Bleach, back in the day? If it’s the red and white marbled and in mint condition, it will fetch you 3,200 USD.

(7) Musical instruments

Did your Dad pass down his old Fender Strat to you when you were a teenager? If it’s in good condition, it could be worth a considerable sum. 1970 Strats can be worth over 6,000 USD, but if it’s from 1954 and in great shape, you could get over 20,000 USD for it.

(8) Musical memorabilia

Did you come into possession of a Kurt Cobain-penned setlist, signed by him and the band? This piece of memorabilia and others like it could be worth big bucks. A bidding war over a Nirvana setlist at Bonham’s Auction House in Glasgow produced a €7,000 payday for the establishment.

(9) Comics

Those animated adventures you immersed yourself into as a child could now make your money problems go away. The earlier in the series a comic is, the better. If you’re lucky enough to have a #1 for a popular series, have a seat – it could be worth anywhere from 84,000 USD to 440,000 USD.

(10) Action figures

Got your comic book/movie heroes in action figure form? If you never took them out of the box, you could be in for a big payday. A 1978 Luke Skywalker could be worth more than 25,000 USD in its original box.

(11) Vintage branded signs

Did you pick up some old-looking Coca-Cola signs for your basement at a flea market recently? Look closer – if it’s a porcelain enamel sign – it could be worth hundreds or even thousands of dollars, dependant on condition.

(12) China (flatware)

You inherited fine china from your wife’s parents estate, but you’ve never used it. Depending on its age and style, though, it could fetch you a tidy sum. If it hails from England, the odds of having valuable plates increases considerably.

(13) Perfume bottles

After poking around the attic, you came across a collection of shapely, colorful bottles. These are likely perfume bottles – take them to an appraiser. If they came from Europe, circa 19^th century, you could have some valuable antiques in your possession.

(14) VHS movies

No, this entry isn’t a joke – some VHS movies actually have collector value. For instance, an excellent condition ‘Land Before Time’ VHS tape can fetch 150 USD on eBay.

Additionally, check any old Disney movies you have for a ‘Black Diamond.’ These icons signify limited-edition Disney tapes that can sell for more than 10,000 USD on eBay.

(15) Typewriters

Remember life before Microsoft Word? It wasn’t that long ago that we banged out school reports on typewriters. In the last generation, machines in good condition have gotten rare, fast. These days, you could get a hundred bucks for a 50-year-old unit in average condition.

If your parents moved to America from overseas, however, their European units could fetch you hundreds or even thousands of dollars.

(16) Christmas ornaments

If you’re like us, your attic is probably overflowing with Christmas ornaments. Next season, take a look at them with a more critical eye. If you received some hand-me-down pieces from your parents, they could be worth 5 USD to 250 USD – each.

(17) Art

This entry is one of the more stereotypical items on this list. However, due to the sheer volume of art floating around, don’t expect to score a huge sum per piece. That said, if it’s an original, its value will increase significantly in the eyes of an appraiser.

(18) Dolls

As a child, you loved dolls — a lot. So, your parents bought you some collectibles to decorate your room. Now’s the time to examine them closely to see if they have collector value. If the maker crafted them before they were ‘mass produced’ in the 1980s, they likely have some value. Depending on condition and rarity, you could get between 5 USD to 2,000 USD+ per piece.

(19) Old Apple computers

The power of our smartphones outdoes that of 1980s computers by several thousand times. However, the nostalgia of having an operating old-school Macintosh has led collectors to pay thousands of dollars for them. If you got an old unit gathering dust in your basement, turn that baby into cold, hard, cash.

(20) Stamps

Another standby of collectors, generations of families has passed down stamp collections. If you found one in your attic, each stamp contained therein could be worth a buck each. It doesn’t sound like a lot, but it adds up. Truly rare pieces can be worth dozens or hundreds of dollars.

(21) Movie props

Got a wacky item in storage? There’s a chance someone in your family worked as an extra on a film shoot and was gifted a movie prop. If it has identifying marks that can trace it back to a production, it could be worth anywhere from hundreds to millions of dollars.

(22) Board games

Often, game nights were the best nights spent together as a family. If you still have a generations-old edition of Monopoly kicking around, it could be worth between 300 to 900 USD.

(23) Assorted sports memorabilia

From game-worn jerseys to historic balls/pucks, sports memorabilia has more than sentimental value. If it came with a certificate of authenticity, it could sell for well into the thousands of dollars.

(24) Watches

Watches are another item commonly passed down between generations. If it is a name-brand watch that has a pedigree going back decades or centuries, chances are you’ll get at least four figures.

If it is in marvelous condition, a five-figure payday isn’t out of the question. Just don’t tell the in-laws you sold it.

(25) Movie posters

You grew up in a family of movie buffs. Finding a collection of finely-preserved movie posters only brought fond memories flooding back. If some of these are in demand, though, your bank account could get flooded with green.

Case in point: The Dark Knight advance poster sold for 20 USD new, but now goes for 300 USD, thanks to Heath Ledger’s untimely demise before its release.

(26) Lego sets

They do more than hurt your feet early in the morning – if you have certain unopened Lego sets, they can fetch a handsome price. For instance, the Star Wars Y-Wing Attack Starfighter edition now sells for 1,150 USD online.

(27) Military memorabilia

Some families would never dream of parting with military medals passed down by older generations. You can’t sell these – a law passed in 2005 prohibits it. However, other military/wartime items, like propaganda posters, helmets, and swords, all have real value.

Prices range from a couple hundred to tens of thousands of dollars. Before throwing them online, take them to an appraiser, so you don’t get hosed.

(28) Furniture

In some families, pieces of antique furniture have passed from one household to another for generations. Here, you’ll need to do some research: note patterns and other design elements; take pictures; compare them against known styles of furniture your parents/grandparents/great-grandparents would have bought.

By doing this, you’ll give your appraiser all the info needed to make their job easier. Depending on their condition, it could be worthless – or many thousands of dollars.

(29) Vintage fashion

Still have the vintage Chanel dress your Mom gave you on your wedding day? If the tag is intact and the piece itself is in good condition, it could get you a great price. Some sites list sale prices well over 2,000 USD, but see an expert before getting too excited.

(30) Maps

Ever since we started exploring the Seven Seas, we’ve been making maps. You’re unlikely to find maps from the era of Captain Cook in your attic. However, if you have one in excellent shape that dates from the early 20^th century or before, you could easily get a few hundred dollars for it.

How to Make Money with eBay When You Are in College

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It has become more popular than ever before to have a “side hustle” while in college to cover day-to-day expenses or future investments. The reason for this is many students are trying to avoid piling up on student loans or are trying to fund their own start up entrepreneurial adventures. It is wise to carefully consider how to make additional money while in college. One such option to make additional income is to sell items on eBay. That said, it is quite complicated for many sellers to get started with selling on eBay due to so many established sellers and complicated setup procedures. In order to learn more about how to make extra money on e-Bay while you are in college, consider the information below:

How Can a Student Make Money Using eBay?

It is very important for students to have a clear strategy when they are trying to make money on eBay. Doing your homework will absolutely pay off when it comes to making money on eBay. The first idea is to see what older items you have that you would like to sell. Then, it is wise to take a look at what those items are selling for and how sellers in eBay are currently listing them. When setting up your auction, it is important to have it end when your buyers are online, which means having it end on weekends and not during the middle of the night. When considering your first price, it is best to list it at $0.99 and then to have a reserve price. This will get your item more views and if it does not sell for what you want, you still can list it again. Take very clear pictures of what you are trying to sell so your buyers will gain your trust. On your first few sales, make sure you ship quickly and that your item is exactly as it is described. This will help you to build your feedback score to remain competitive amongst buyers.

How to Start Your Own YouTube Channel and Make Money

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Finding a job that works around a crazy college schedule can be difficult. But many students need the extra income to help cover tuition, books and other living expenses while in school. Many have taken to the idea of work that has flexible hours and the ability to work at home or on the go. Several different options are out there for the taking for just about any college student or individual willing to do some work to make some money. Some people have opted to use their cars as a means for making money through Uber or Lyft. Another option is to blog or create a YouTube channel. These two options are similar in their means that they can be done anywhere and at anytime. YouTube provides an easier platform for gaining an audience, since people will use YouTube like Google as a search engine for videos.

Finding a Niche for Youtube

You have decided to create a YouTube channel to help cover costs of school, but you need to find an idea that you are capable of doing with little to no research. Something you can record and do on the fly… There are tons of ideas out there already! Just because the idea is taken absolutely does not mean you can not copy it and create your own audience. With personality and a good idea people will watch your channel. Where there is an audience, money can be made! If someone else has already done it, it can make it easier for people to find your channel while they are searching for the other popular channels.

Popular ideas for starting your own channel include:

Live streaming of video games: Gamers will watch other games, just like people watch football on Sundays. It may seem strange but it’s true.

Bloopers: Video yourself trying new and strange things or products some may be successful ventures, but the ones that will get you the most views are the ones with unfortunate mishaps.

Cooking: Young people no longer have access to home ec. classes and people now use YouTube videos to learn how to cook. This gives you three different options a day seven days a week as chances to build your portfolio on your channel by recording what you were going to do anyway: cook and eat!

Your audience is worldwide, and the ideas are endless! The ability to work from home or anywhere is great! However, as any successful entrepreneur will tell you, the work can take over. While you can work anywhere anytime, it doesn’t mean you should or have to. Many entrepreneurs find themselves working 80 hour a week for themselves instead of setting limits. While you CAN work anywhere and anytime it isn’t always the best way to get ahead. Working for yourself can also be lonely, while many people are watching you, you actually aren’t getting real social interaction that you need to maintain a healthy lifestyle. Be sure to get out of the house, your basement, your office or where ever you record and enjoy life outside too!

Once your channel starts getting views and then you can eventually start earning an income. You can do it through advertising, subscriptions, selling your own merchandise et al. Your channel can be a great source passive income on past work, but you want to keep moving forward because the fad of your channel may lose its luster and the income could eventually dwindle away. It is rare that people become multi-millionaires through their channels, but don’t let that deter you from trying to get a piece of the YouTube pie!

Some notable success stories that you may not have heard of with success with YouTube and beyond are:

Blippi: This guy started making videos for toddlers back in 2014. He shows them places to play and how to play. Stevin John is Blippi and discovered that his nephew was watching low budget and low quality shows on YouTube and wanted to create something fun for him to watch. His desire to provide entertainment for his nephew grew to 2.8 million subscribers and has been viewed over 2.34 billion times!

His background in online marketing and digital creation has definitely paid off! Now instead of a one man show, he has a team of people behind Blippi helping him make his videos. He has not lost that touch even after great success for engaging children in watching him on his channel. He is like the modern day Mr. Rodgers for kids who grew up in the 70’s and 80’s. He talks to you as if you are with him and takes you on his adventures. As a well loved child character he is regularly requested as a character to meet with Make-A-Wish Foundation. All of this in only 4 years!

Ryan Toys Review: Ryan is a young child and his parents record him opening and playing with new toys. Thus, giving the public an honest review of toys from a child’s perspective. Ryan Toys Review started back in 2015, Ryan asked his mother why he wasn’t on YouTube when there are so many other kids that are on YouTube. She soon decided to leave her full time job as a chemistry teacher to work on building Ryan Toy Review. Clearly a good financial decision as of December 2018 the channel has seventeen million subscribers and the channel videos have been viewed over twenty-six billion times.

The channel is ranked as highest paid YouTube channel for 2018! They only just started this 3 years ago. YouTube was a lifestyle changer for their entire family. They have now brought in his twin sisters to help review toys and doing regular child friendly videos.

Philip DeFranco: This guy records himself talking about what he has read in the news and his personal reactions to it. With a totally different audience than the two previously mentioned YouTubers, DeFranco started his channel back in 2006. His subscribers are much older than the other two YouTubers, but this could also be because adults are much more likely to remember video channels without having to ‘subscribe’ to them. He has 6.32 million subscribers and has been viewed 2.51 billion times.

He has been nominated for numerous awards and even won some as well, like Sexiest Geek in 2008 by Wired and a regular nominee and winner for the Streamy Awards from 2010-2018. He won in categories Best News Series, Best News and Culture Series, Audience Choice for Best Series of the Year, and News and Current Events.

Each of these people once all started exactly where you are today. Their education and backgrounds did not impact their desire to build an audience and build it. The old saying ‘If you build it they will come’ if definitely true if you have a good idea and can deliver it in a way that your audience will want to watch! They wanted to make some extra money and be in control of their project. Anyone can start a YouTube channel. You don’t have to be skinny, beautiful or even talented! You simply need a good idea and a personality that people will enjoy watching. If you are an amateur baker learning step by step or if you are just talking about what upset you in the news today. Or maybe you are a master in your field and want to share and help other people. People will watch! So get started today, and yes there is a video on YouTube on how to get started on YouTube!