Category: money online

The Best Ways to Make Money Playing Online Games | PowerUp! – PowerUp!

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There are many ways to earn money online. One such is by playing online games, which has become a popular source of income for many people. In this article, the best ways to earn some cash playing online games will be presented to you, so let’s get started

Testing Games

Game testing is a popular way of making money online by playing games online. There are numerous websites where you can register as a game tester to earn money once you help them test-run their games.

You are only required to play the game and offer your unbiased opinion about it. Although it might sound like an easy task, it is hard work. You cannot compare it to playing your favorite video game at home as you need to test even the tiniest of details of the game.

The idea behind it is for you to find any bugs or glitches and notes while playing. The developers then access the findings, and they will consider your review for further updates on the game. The platform then pays you for your hard work.

Paid Game Player

 The Paid Game Player is an online gaming platform that features many games you can play against other gaming competitors. The goal is to play and outshine all the other gamers ultimately landing in the winners’ circle. The platform will pay you for emerging as the competition winner.

However, players need to pay some money to get upgraded. Once you are an upgraded member, you enjoy more benefits. If you wish only to make a couple of bucks playing these games, you don’t need to pay for the upgrade.

Playing at Best Paying Online Casinos

One of the best ways to make money playing games online is by betting at an online casino. However, you need to choose the best paying casino. That is why you will find an expansive library of games at online casinos to choose.

Casinos are designed for helping players have fun while winning some money along the way. If you want to win, you’ll need wit, luck, and skill. The best way is by playing free games at first. Many online casinos offer players free demo games, where they can learn how to play these games, and in some instances win some money.

If you are new to gambling, consider starting with online slots. They are fun and easy to play, and don’t require any skills to start playing. Once you have sufficient experience, go for the big guns by trying your luck on progressive slots. These are known for giving players huge jackpots and helping them become millionaires overnight.

Starting Your YouTube Gaming Channel

Over the years, YouTube has become a popular platform for people with talents they wish to showcase and earn money doing so. You can start your YouTube channel dedicated to gaming. Other gamers can watch you play games and interact with you.

You can use the channel to guide other gamers on how to pass challenging levels, introduce them to new, exciting games, or show them useful tricks to playing and winning games. Most of your money will be from sponsorships from game selling companies and game developers. Also, you will earn money from the number of your views and advertisements.

The Bottom Line

These are just a tip of the iceberg when it comes to earning money playing online games. There are numerous other ways. If you haven’t tried any of the above, you should consider doing so and enjoy the rewards that come from doing something simple that you like.

Consider starting with the free ones, including registering at online casinos and trying their free games. You will also love the welcome bonuses that most online casinos offer their players. Take advantage of such to maximize your winnings and fatten your wallet while at it.

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How to sell your car online and get the most money for your sale – Business Insider – Business Insider

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

  • Selling a car at a dealership often means missing out on some of your car’s value. You could get more by selling your car to a private individual online. 
  • To sell a car online, start by looking up your car’s value on a site like Kelley Blue Book and setting a realistic price. 
  • Then, make a complete listing that includes all the information you have about the car, and include lots of high-quality photos. 
  • Make sure you know the laws around how to sell a car in your state, and once it’s out of your name, contact your car insurance company to make sure your car insurance policy has been updated. 
  • Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes  »

Selling a car at a dealership might be easy, but it’s likely you won’t get your car’s full value as a trade-in. Dealers have to make a profit and put money into re-conditioning your car to sell, so it’s not uncommon for a trade-in to be valued at less than the car is actually worth. 

Selling your car on your own online is a great way to get a little bit more for your car. While it takes a little bit more work, it could help you get several hundred more dollars to put towards your next car. 

If you’re considering selling your car online, here’s how to do it.

How to sell a car online

Do your research, and set a reasonable price expectation

Your car might mean a lot to you, but it may not be worth as much as you expect. Luckily, there are many tools online that can help you understand your car’s value.

Kelley Blue Book is a favorite of auto professionals, and is often used to determine the value of cars. Put in your car’s information on KBB’s site, and you’ll get a range of prices that are reasonable for your car. 

You’ll need to know all the details of your car, from engine to interior details. Make sure to put them in accurately, as sometimes even small details will affect the car’s value.

Make a transparent listing 

There are several different online platforms where you can sell your car, including Facebook Marketplace, Craigslist, or even your local newspaper’s website. Choose the one that works best for you, and make a detailed listing that includes all the details you’d want to know about your car if you were buying it. Be honest about any accidents you’ve had with it, or any mechanical issues going on. 

A little cleaning will go a long way, too. You’ll want to take lots of photos both inside and out, so make sure your car is looking good before making a listing. 

Know the rules on how to sell a car in your state, and have the title in hand

Every state has different rules on selling a car, and the laws generally revolve around getting the car transferred from your name into a buyer’s name.

You’re going to need to have the title if you don’t already — if your car is still financed, you’ll need to contact the bank to see how you can pay off your loan. If you’ve lost your title, your local department of motor vehicles can generally make you a new title for a fee. 

Do your research on how to sell a car in your state before you start the process of selling the car and meeting buyers. You may need to make a bill of sale or have something notarized in the process, and it can help speed up the process if you have a plan. 

Once you’ve sold your car, don’t forget to take it off your car insurance

When the car is officially out of your name, don’t forget about your car insurance. If you’re planning on replacing the car, you might want to call your company and replace it on your policy, or drop that car from the policy altogether. 

However, it may not be worth cancelling your policy altogether if you’re planning to buy a new car soon. Car insurance often is cheaper after you have had six months of consecutive coverage, and cancelling a policy in full would break that streak. 

Contact your insurance company to see what the options are for cancelling or replacing a car on your policy.

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

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Means of making fast money online in the future – Business MattersBusiness Matters

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With the increasing population, the chances of getting a paid job are decreasing. This decrease in job openings has been exacerbated due to the coronavirus pandemic.

Therefore, people have redirected their ideas of making money to the online forum. Several websites have provided the option of working from home. You can also start your website and reach out to your services to distant customers. Let us look into some of the means of making fast money online for a secure future.

Be a Youtuber

Youtube is one of the oldest social media platforms that has reached out to all people worldwide. Now you can watch videos that have been uploaded several thousand kilometers away from you. Similarly, you can understand that if you upload a video for the general public, how far it can reach. If you want to edit videos for your Youtube channel, hop over here.

Therefore, you can post videos that depict your company’s products or services. You can also post videos that reflect your skills and ideas. Your video will reach thousands, and you might receive comments from people who have come across it. Youtube has a payment plan for people who are quite famous for their videos. You have to reach a certain number of subscribers to your channel and the viewing time has to cross a certain limit. Then Youtube will include you in their payment plans.

Be a Blogger

Blogging is one of the recent career options chosen by many people. Blogging is sharing one’s own experiences. You can share your experiences on a trip, about a product, or the hospitality of certain people. You can also create a blog about your experience with certain sects of people. You do not directly promote anything in your blog, but you will attract or detract people from your displayed products or experiences. If your blogs become a hit amongst people, you can introduce the option of payment per view. In this way, you can make money from your admirers.

A recent addition to the world of blogging is vlogging. Vlogging is video blogging. You can create a video about your experience at any place, restaurant, or interaction with people, and your audience will learn about them from your vlogs. Vlogs are extremely famous amongst people nowadays, and you can find several Youtubers resorting to making vlogs. Vlogs also come as short clippings being tied up together. You can do such editing in online video editing software like InVideo. If you can also add some attractive features to your vlogs, it will attract more audiences.

Be a content writer

When you open any website, you will find the description to be in a simple, detailed, yet non-promoting manner. Professional content writers prepare these texts. These writers are hired by the companies to prepare attractive yet non-promotional texts so that the customers remain engaged with the products. You do not need special skills to be a content writer. Constant practice will do. You can include different links to videos and websites to strengthen your content. Content writing can earn you big bucks and will also improve your writing speed and command over the language. You can enroll yourself with some business to write content for their website. You can also join different companies that deal with content writing and get assignments consistently.

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Affiliated Marketing

One of the biggest hindrances to any business is to reach out to the targeted customers. A business might have attractive products, but if it cannot spread the message to the customers interested in their services, the business will not thrive. Affiliate marketing does the job of linking the business with its intended consumers. You can do such a job online to help different businesses.

You will certainly not do the job for free; you will get a commission from the business itself. In this way, if you have a diverse customer base, you can connect different businesses with their customers and make a lot of money in the process. You must have some details of the business which you are going to showcase to the customers. The online forum allows you to interact with people all over the world. Therefore, online affiliate marketing will be a thriving business for you if you can mix with people.

Sell your products online

You can directly do business online. You can portray your products and services on your website, along with several social media platforms. You do not need to own a big company; you can start small entrepreneurship and display it on these platforms. The first step in these processes is to create an account on any available social media platforms. You need to use your business logo or create one. You also need to provide a short description of your business.

You can also open a business page where you can invite different customers to be a member of it. On this page, you can post descriptions of different products and services of your business. You can also put up offers and discounts and have special provisions for your group members. You can also include a discussion forum for your consumers so that they can also share their views on your product. The consumers must also be able to add new members to your group. In this way, you can increase your customer base and cater your services to a larger section of people.

Another effective way of making money online directly is by renting out your products. If your products are too costly, you can rent it out for a defined period following a few rules and regulations. You need to display the working condition of your product in the first place. Making a video of the functionality of your product will be helpful in this matter. The same product can go through different hands and fulfill their purposes.

Summing up

Since you are no longer able to go out of your house, making money online is the key. You can try your skills in some of these options and can devise something of your own. Remember, your videos take you to more and more customers, and therefore, never forget to include a video or a link of it in your business descriptions.

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You Made a Game, Great! Now Here’s How to Make Money With It. – Entrepreneur

October 30, 2020 10 min read

Opinions expressed by Entrepreneur contributors are their own.

You’ve spent a long time working on a video game during your downtime. You’ve done your research, you’ve promoted on social media, a couple of blogs have written and reviewed your game. An influential Youtuber did a Let’s Play, or you may have even been featured on Steam. Whatever the case, your marketing efforts have resulted in moderate sales. 

In the day of democratized development, anyone can be an indie game developer. Major successes like Minecraft and Undertale have inspired many to hop on the bandwagon, and rightfully so. The video industry is expanding quickly, with a market value of $63.3B in 2015, and a projected $89.7B in 2019. But more and more games are financial failures, even from previously successful studios. The lack of marketing and promotional budget and expertise is a common reason. But even with good marketing, a game can still flop. Why?

Related: How to Become a Professional Fortnite Player

The major reason indie games fail is the lack of expertise and knowledge of the industry. The indie game market is so saturated that breaking out with a successful game has become a lot more difficult, and generating the necessary revenue to recoup costs or continue developing becomes a rare chance, not a guarantee. And while marketing your game as soon as possible and as actively as possible is a necessity for success, it is not the only option.  

Downloadable content  

Staying within the confines of video game development, producing DLC has become a popular tactic in gaining the necessary revenue. DLC is additional video game content made available by the game’s official publisher. In 2012, downloadable content sales rose by 33.9%, hitting $2.22 B in revenues. These numbers have continued growing; bypassing used game sales in 2015. DLC hits all-important aspects of a game’s success: acquisition, monetization, and most importantly, retention of users. DLC offers a richer game experience to its players, constantly captivating their attention with new content. Putting a price tag on new options leads to a continuous stream of revenue from an existing group of users. Most importantly, DLC includes a wide variety of options and applies to nearly every video game genre. Objects, levels, characters, challenges, extra storage, customization options all within fighters, shooters, puzzles, PRGs and episodic games. Simply put, DLC is a useful tactic for companies to capitalize on existing games. It’s much cheaper than making a new game and marketing it, and allows developers to add value to the game beyond the initial purchase. A consumer might spend above and beyond the cost of the game itself on DLC, extending the life of a game for years after its release. In 2010, 71% of video game spending was on physical format items, and 29% on digital items. Just three years later, 47% was spent on physical format, and 53% on digital format purchases.

Related: What You Can Learn From Nintendo’s Weird and Wonderful 125 Years

But DLC is one of the most abused video game monetization strategies, extreme cases including developers withholding content that should be included for a complete gaming experience, or making levels unbeatable without paid extras. Overpricing DLC leads to disgruntled users who might feel they are being scammed out of their money. Most significantly, it can lead a studio to focus too much effort on one particular game instead of growing a portfolio of games that might lead to more success. While DLC is a popular and generally welcome way to expand user-experience and further monetize your game, it doesn’t always work in a game’s favor and its oversaturation leads to undesirable results.

Ad revenue

Moving further away from game development, ad revenue is a particularly clever way to improve the revenue stream while not decreasing user experience. Ads are the most common method of monetization for mobile games, and rightfully so. In 2016, mobile users spend 79.3% of their time in-apps, as opposed to 20.7% on the mobile web. These numbers correlate to 73.2% of ad dollars spent on in-app ads, and as this industry continues to grow, so will in-app usage and ad revenues. By 2020, 63.7% of the population will use mobile devices to play games, making a good case for mobile game development as well as the functionality and accessibility of in-app ads.

Related: How to Stream Games on YouTube Gaming

Setting up an ad account for your game means deciding whether you want to allow rich media ads, native ads, display ads or video ads. The last two being most common for the indie game genre, and most effective. Presenting any type of ads to consumers requires seamless integration into the game, however. Displaying ads relevant to your game’s target user base, and doing so during the right time within the gameplay can make the indie title a moderate success.

But ad revenue can significantly decrease the enjoyment and gameplay of a game if done improperly. As with most techniques discussed in this paper, moderation and balance are key. Ad revenue can and will work if your active player base is large enough to engage with ads, but the more ads that saturate the game, the more users will turn away from it. This is especially true for free-to-play mobile games that depend solely on ad revenues and in-game purchases, and struggle to find the balance between personal profit and user experience. Alienation from your game is something you don’t want to happen.

Finally, it is important to discuss the limitations of ads. While this is a widespread technique for mobile and online games, ads are not welcome in most other gaming venues, especially if the game was priced at a premium. As such, an indie game developer working on a PC game will find themselves unable to use ads directly in their game, making this technique of revenue acquisition not applicable and limited.


In 2014, video games appeared as the number one category in ’s Top 50 Highest Funded Projects. It accounted for $100 million in funding, an increase from 2012’s $83 million. Current media is filled with video game crowdfunding successes, skewing the reality of using this technique and the very real possibility of failure.

Putting the consumer in the driver’s seat of a project seems like a good idea to both get funding and market validation, and this method has been rising in popularity since 2013. Indie video games more often than not try their hand at Kickstarter, Indiegogo and other crowdfunding venues that have sprung since the concept’s inception and popularity. However, the success stories are exceptions, with Kickstarter citing the success rate of projects at 44%, and Indiegogo at 34%. The overall success rate of the platform also depends on a large number of variables: size, pre-approval, funding model, campaign length and many others. Game projects hosted on Kickstarter only have a 33% success rate, which is lower than dance, theatre and music projects, all hitting above 50%.

Maintaining the momentum, especially in the first 48 hours post-launch is vital in upping the chances of success. Yet building momentum and gaining exposure is extremely time-intensive, not to mention time-sensitive. Marketing your campaign is a full-time job, and many indie game companies don’t have the time and budget to focus all their energy on it. With the generally intensive competition and saturation in the game category with nearly 26,000 projects launched on Kick-starter alone, success is not guaranteed. Nor is it easy.

Kickstarter or Indiegogo campaigns require incentives that are often out of a video game’s range of expertise or knowledge. Offering merchandise is one of the most common ways to attract backers, and this involves venturing into an unknown industry. The uncertainty of a campaign’s results can be discouraging or distracting and only benefit a game that is in the development stage.

Commission-based merchandise 

Venturing into the industry is an amazing way to make revenue and one that is often considered by video game companies and indie game developers alike. E-commerce sites like,, and others advertise their service as a way to transform your designs into physical products. Signing up with these services means a storefront of all featured products and a relatively simple interface. Upload your design, decide on the products you want it to appear on, and send it off into the stratosphere. The strong search feature will lead to views that might turn into sales, but it is up to the shop owner or “designer” to promote and market their products. Due to the relative simplicity, this method is a great way to dip your toes into the merchandising industry.

But there are major drawbacks. The range of products that commission-based merchandisers offer are low quality and often poorly integrated with individual designs. The products range from apparel to home accessories but are limited by high prices, making them less accessible than others. Finally, the loss of control due to production and fulfillment done by the services often leads to customer dissatisfaction.

“Designers” earn revenue by commission on each sale. Though it is determined by the video game companies, merchandise services monitor and limit the commission percentages to encourage higher sale volumes.

3-D-printed merchandise 

The merchandising industry has been growing at a steady pace. As has the 3D printing industry, which has skyrocketed in accessibility in the past 3-4 years. By 2022, the 3D printing market is expected to reach $30.19 B, growing at a CAGR of 28.5% between 2016 and 2022. As the awareness of 3D printed products increases, the demand for sculptures, custom avatars, characters and figurines increase as well. In 2012, the market for the toys and merchandise was estimated to be around $92 M globally, which increased to 4118 M in 2014. With the growth of the gaming industry, and in combination with the 3D printing industry, the opportunities for merchandise sales have increased dramatically.

Choosing 3D printed merchandise means choosing superior quality and variety, and achieving a level of customization that is unheard of with traditional modes of manufacture. There are currently more than a few 3D printing manufacturing services that will print your design in bulk. That said, these only eliminate the obstacle of variety, quality and customization. To successfully launch a merchandise line for your game, you’ll still need the budget for production, the expertise of setting up an online store, and the time to process, fulfill and ship each order, providing customer service and marketing and promoting your products. It is also important to note that without the proper connections, 3D printed manufacturing can be very costly.

There are plenty of techniques that promise unique ways of making additional revenue. It is vital to recognize the advantages and disadvantages of each as they pertain to your video game. Merchandise has always been a true and tested technique for a variety of media and entertainment venues and is a sure way to make essential revenue for your game.



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Online Business From Home In 2021 That You Can Do With A Full Time Job – Trading U

3 Online Businesses You Can Start With No Money

The internet is the great equalizer. In business specifically, it has leveled the playing field. Anyone can start a money-making online business  anyone with a computer, that is. But here’s the thing: virtually no technical experience is needed. Today there are plenty of tools you can use to build an online business that makes the technical work a lot easier than it was in the past.

You can also live anywhere you want, set your own schedule, and work as little or as much as you want, depending on how fast or big you want your business to grow. No business or marketing experience is needed either. It’s a truly democratic medium for entrepreneurship.

Best of all, unlike a brick-and-mortar business, you don’t need a lot of startup capital. In fact, you can get many internet businesses up and running with no money at all because so many free services facilitate the possibility. For example, you can set up a website or blog for free using WordPress. Or you can leverage a third-party site like Amazon or eBay to sell goods with no inventory costs. You use their selling platform in exchange for giving them a cut of your sales.

And this is just the start of the many available no-money e-commerce startup solutions. Let’s consider five of the top ways to start an online business and make money online with little or no cost at all.

1. Amazon FBA

How Can I Make Money With Online Arbitrage On Amazon?

I can read your mind. The question you have right now is:

How in the world can I actually make a profit from this? Can’t everyone else just go to the other site and buy the item I am going to buy? This seems too good to be true.

I 100% understand this question. It’s the exact same question I had when I got started with arbitrage on Amazon.

The answer? Well, it all comes down to consumer loyalty and lack of information and time.

Think about a typical consumer. When they are ready to buy something online, where is the first place they head? For most, the answer would be Amazon. Some head to Amazon because they know they can find what they are looking for and don’t need to look elsewhere.

Others head there because they can get their items quickly with Prime shipping. Others head there because it’s the app they have handy on their mobile device. People are willing to pay a premium for convenience and customer service.

Do you think they want to spend hours searching online store by online store just to save a few bucks? My guess would be no. They want what they want and they want it now. Plus some of the consumers would never even think to look on another website for the same item.

As someone who finds products at the right price for online arbitrage, you are trained to look everywhere. You are trained to know how to stack promo codes or use discounted gift cards. You are trained to find the deals.

Most normal people are not. This is why online arbitrage works and this is why you can bank money by doing it.

Before you get all excited, I want to make certain to stress that online arbitrage is not a “get rich quick scheme”. It might sound easy, but there is actually a lot of work that goes into the searching for flips and managing of your Amazon account.

If you are willing to put in the work, you will find that you can make some dough. In addition, there are some risks involved when you have to purchase inventory (items not selling, returns, and damaged products).

You can minimize your risk by making educated purchasing choices and by taking additional steps to protect your investment.

The Best Place To Start Is With Amazon FBA is Online Arbitrage and the best Online Arbitrage Tool Is Tactical Arbitrage! Check it out here –>

tactical arbitrage for Amazon FBA 2021

2. Affiliate Marketing

Affiliate marketing is somewhat similar to drop shipping but with some key differences. With this e-commerce model, you again don’t maintain an inventory of your own products, and you don’t have to worry about shipping products to customers.

Basically, you pick a profitable niche for your online business , and then you find an affiliate partner who has products available in that niche. Some of the most popular affiliate sites are,, and CJ Affiliate by Conversant (formerly Commission Junction). Between them, they offer just about any digital information product (like ebooks, audio files, video files) or physical product you can think of. Many big name companies and brands like Wal-Mart and Home Depot run their own affiliate programs. With affiliate marketing, you offer the products for sale, for example, on your blog or e-commerce website. Each product has a unique link that tracks back to your account with your affiliate partner. A prospect who clicks on the link is taken to your partner’s shopping cart for checkout. Once they buy, that purchase is recorded and you receive a commission. Commission amounts vary depending on the affiliate partner, but is generally 5 percent to 25 percent, or 50 percent or more with digital information products. As you can see, there’s little risk on your part and virtually no investment needed either. Just like with drop shipping your only costs will be marketing and advertising to drive traffic and generate the sale.

The key difference between this and drop shipping is that the business model is even more hands off. All you have to do is provide a link for the customer to click on and the merchant handles everything; billing, order fulfillment, customer service, etc.

All you have to do is handle the marketing to get your prospects to buy (through social media, email marketing , blogging, or whatever method you choose). But after they click the affiliate link, it’s out of your hands. You don’t have to ship products or handle any customer service questions. And you certainly don’t have to maintain an inventory.

All you have to do is focus on paid and free ways to market your online business Affiliate marketing really is one of the most “hand-off” types of online businesses you can start.

Check out the best Affiliate Marketing Course – (For Less Than A Cup Of Coffee) -> Legendary Marketer

best affiliate marketing program for 2021

3. Online Video

Have you watched a YouTube video lately? Of course you have! This is one of the world’s most popular websites, with more than 2 billion users watching hundreds of millions of hours of video each day. And it’s not all cats doing funny things, by any means.

You can leverage YouTube’s reach to make money online . No, you’re not trying to create a viral video, so to speak, although if it does go worldwide and is seen by millions, that’s a good thing.

Instead, you’ll be following a proven strategy for maximizing views of multiple videos on a regular basis. You’ll be creating useful content something engaging that people want to watch. And it works in many, many different niches. It could be a how-to video or a talking-head video on a topic of interest for people in your niche the sky is the limit.

You make money with ad revenue. Your first step is to create a YouTube account and start uploading videos. Then you enable monetization on your YouTube settings. Basically, this gives Google the go-ahead to include short AdSense ads with your videos, which you’ve seen if you’ve watched a YouTube video. When viewers click on those ads, you get paid.

Another opportunity to make money with a YouTube channel is through paid sponsorships. Build a large enough following and companies will be more than happy to pay you to promote or mention their products and services in your videos. Some tips to create professional-looking videos (no expensive pro equipment needed):

You can use your smartphone or a simple video camera.

But make sure the lighting is good so that everything in your video is clear and easy to see.

Make sure the audio is clear.

You don’t want an air conditioning hum, construction noise, or other distractions.

Use simple editing software like iMovie to put titles at the beginning of the video and to edit out any flubs.

Above all, remember that your videos can be simple and don’t have to be slick. Just provide useful content and be engaging and interesting. Funny helps, too.

And to extend the reach of your videos, be sure to post them on your Facebook business page , Twitter, your blog, and other channels. Let people know you’re in the video business now.

In addition to ad revenue from YouTube videos, you can also use your YouTube channel to drive traffic back to your website, where visitors can read your product reviews, click on the ads on your website, or even get onto your email subscriber list where you can make multiple sales with your email list.

—Special TIP—

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Putting It All Together

The trick with any online business is to make sure you’re in a profitable niche market . So be sure to keep an eye on trends, check out bestseller lists on sites like Amazon, and consider what people are discussing on social media.

One thing to keep in mind is that you don’t have to restrict yourself to just one of these e-commerce opportunities.

Start out with one and get it going. Then add new revenue streams as you’re able. That will grow your income and ensure that you have something to fall back on should one business start going south.

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Grocery stores want to make it less of a nightmare to order online this winter – NewsChannel 3-12 – KEYT

In the early stages of the coronavirus pandemic in the United States, finding an open slot for grocery delivery was like winning the lottery. Even when shoppers were lucky enough to lock one in, food and cleaning supplies were often out of stock and there were delivery delays ranging from hours to days.

It has gotten easier since then.

Companies that have online grocery businesses — those that offer curbside pickup, at-home delivery or both — hired more employees to deal with the higher demand they saw and have since kept those workers around. They have also expanded their shipping capacity. And though demand for grocery delivery is still elevated compared to pre-Covid times it has cooled since the pandemic first hit.

But with winter coming, and cases rising in a majority of states, you may be wondering whether — should you be again restricted from going out, or if case levels have risen to the point in your community that you feel uncomfortable going into a store —you’ll have better luck getting groceries delivered, on time and with all the items you wanted, than you did in the spring. The answer, due to that work the companies have done: Probably. But no guarantees.

Companies ranging from regional chain Hy-Vee to Boxed, a site that sells bulk orders directly to consumers, are staffing up in stores and warehouses to handle delivery and curbside pickup orders; stockpiling extra inventory like cleaning supplies, holiday foods and canned goods; adding new delivery carriers to avoid shipping delays; and making changes to their websites to try to give shoppers more windows to order.

That doesn’t necessarily mean everything will go smoothly for consumers.

Analysts caution that an outbreak of coronavirus cases this winter may once again strain supply of high-demand items like toilet paper and paper towels in harder-hit regions of the country.

“It’s not going to be perfect, but it’s going to be better than it was in late March and early April when no one was prepared,” said David Bishop, an analyst at consulting firm Brick Meets Click.

Whether or not you get the groceries you need doesn’t just depend on retailers but their suppliers as well, he said.

“We’re going to continue to face shortages of paper goods,” he said. “Retailers will only be able to get what suppliers produce. The pain point is the supply.”

Electric carts and more freezers

Still, grocers are taking steps now to try to control the things they can.

Amazon, which also owns Whole Foods, is adding a new website tool that allows customers to sign up to be notified when a delivery spot online becomes available so they don’t have to keep refreshing the website.

The company isn’t currently using the feature “because demand has stabilized,” according to a spokesperson, but “it will be available to us should we see sharp spikes” in the coming months.

And Shipt, a delivery service owned by Target, is hiring 100,000 workers ahead of the winter.

Although online grocery sales growth has slowed down since the spring peak, analysts predict the potential combination of new coronavirus cases, a busy holiday stretch, flu season, and restaurants closing in the colder months due to indoor dining restrictions will push more shoppers to buy online again.

Nearly 60% of shoppers say they plan to stock up again as winter approaches, according to a survey of 1,000 shoppers by market research firm Inmar Intelligence conducted the week of October 14.

FreshDirect, an online grocer based in New York, is adding 1,000 workers, including truck drivers to transport groceries from warehouses, as well as butchers and fishmongers to prepare food.

The company was not staffed to handle the flood of orders from existing customers and shoppers when the pandemic first hit, said CEO David McInerney.

“The barriers to online grocery got absolutely obliterated” in March, he said. “We couldn’t take” the surge in demand. The company’s systems were overwhelmed because people were buying two and three times as much per order as they typically did, buying for a longer period of time than usual and ordering for friends and relatives.

This time around, it’s better prepared. It secured holiday items, such as canned pumpkin, baking supplies, and spices earlier than usual this year and is storing greater quantities of them in warehouses.

“We’re expecting a really, really busy winter, and it’s going to be filled with a lot of first time customers getting acclimated to online food buying,” McInerney said. “The colder weather is just going to push that along.”

Still, some retailers say there’s little they can do to avoid what might be inevitable.

“It doesn’t take another crazy spike like March to really begin to stress the system,” said Chieh Huang, CEO of Boxed. “It wouldn’t shock me if at some point in time during this winter we did see difficulty or lateness in getting orders and deliveries out the door.”

However, the company is trying to make sure people get their orders on time. In addition to building up what Huang called a “backlog of inventory” with suppliers in categories such as paper towels and disinfectant wipes, Boxed is working for the first time with smaller delivery carriers such as Star Overnight and OnTrac.

“We’ve been trying to onboard a variety of carriers so that we can be able to send out packages not just with major carriers” like UPS and FedEx, he said.

Others are coming up with their own creative solutions. In addition to hiring 2,500 more employees, Hy-Vee, a grocery chain in the Midwest, plans to use new temperature-controlled carts to keep fruits and vegetables fresh as employees shop around their stores fulfilling customers’ orders. It will also use electric carts to ferry bags of orders from inside stores to parking lots where customers are picking up orders. Hy-Vee hopes this will reduce wait times for those customers.

Meanwhile, West Coast chain Raley’s Supermarkets is installing more coolers and freezers to some stores’ backrooms to keep shoppers’ perishable orders fresh for when they drive to pick up orders.

“We are definitely anticipating that there is going to be a resurgence” of orders from November through March, said Paul Gianetto, senior vice president of sales and merchandising at Raley’s. “We’re a lot smarter than we were.”

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The 2019 MAKERS Conference - Day Two

It takes money to make money — that’s an actual regulation – Marketplace

The world of private equity — the hedge funds, the venture capital, the people pouring a ton of money into startups — comes with a huge risk. The reward can be huge too. But if you want a piece of this world, you have to be what’s known as an accredited investor.

What does “accredited” mean? You have to be rich is what that means. You have to make $200,000 a year or more, or be worth a million bucks, not including your house.

The idea, historically, was to protect people from getting swindled into throwing their life savings into some sketchy investment. But as time has gone on, people have criticized the rule as a wall that’s shut a lot of people out from opportunities to gain wealth.

Now, the Securities and Exchange Commission is changing the rules. It’s saying you could become an accredited investor through your expertise or professional certifications. Arlan Hamilton, founder of the venture capital firm Backstage Capital, has been pushing for changes that could reduce the racial wealth gap. She told Molly Wood that after all, anyone old enough can make a bet and lose it all in Vegas, so why not in the casino of private equity? The following is an edited transcript of their conversation.

Founder & CEO, Backstage Capital Arlan Hamilton attends The 2019 MAKERS Conference at Monarch Beach Resort on February 7, 2019 in Dana Point, California.
Arlan Hamilton. (Rachel Murray/Getty Images for MAKERS)

Arlan Hamilton: The idea that just because somebody has figured out how to have a salary or income that’s $200,000 or more, that should allow them to make investment decisions more so than someone else who doesn’t — that’s just really odd to me. It’s elitism in its core. And I think originally, and I think maybe earnestly, the idea is to protect those who do not have a lot of extra capital from perhaps investing too much money or losing money in a very risky asset class, which is that startup and that private equity and that venture world. But there are ways to do that, there are ways that are already being used, like having caps on how much you can spend on investing in a given year.

Molly Wood: It seems like there’s an argument that that creates a more vibrant ecosystem across the board. More people have opportunities to invest, but they also may invest in a broader set of companies that would otherwise have a hard time raising money?

Hamilton: This is exactly right. You said it perfectly. If you think about things like the PayPal Mafia, these are the people who made a lot of money from PayPal. They’re the same-old, same-old, and then they invest in the same-old, same-old. And this is pattern matching that just continues and continues. I’ve invested in 150 companies, and I can tell you firsthand how much of a difference it makes to have someone on the check-writing side making decisions who looks like you, who you can relate to and who has gone through some similar things.

Wood: How about the accreditation process itself? How hard is that?

Hamilton: Being an accredited investor, actually, itself is not a process at all. Really, you just have to prove that you’ve reached certain things. There’s no training, there’s no test you take to literally be an accredited investor. You just become one once you reach a certain threshold and [meet] certain guidelines. And then you have to prove, in a lot of cases, you have to prove it by showing proof of income or tax returns or things like that.

Wood: So it really was income-based, like you got to a certain level of income, and boom, you were anointed?

Hamilton: That’s exactly right. It’s very odd, because it put a lot of trust in people and took a lot of trust away from others.

Wood: And then what about awareness? Even with the lowered threshold now, even if it’s not quite enough, do you think people will participate, or how can they be sort of found and encouraged to participate?

Hamilton: I think they will participate because people are already doing so with the crowd equity funding regulations that are there now with the JOBS Act. You can today go to several websites that are vetted and you can invest even if you’re not accredited. And I’ve seen, in our case, I’ve seen a company in our portfolio have 3,000 or 4,000 investors put in $100, $200. My own mother, who’s 72, became an angel investor for the first time, putting money behind a company that did crowd equity. So I know that it happens, it’s popular, it’s exciting, and it’s effective. I don’t know what the percentage is, but if it’s, let’s say, 10% to 20% of the companies are able to do that, why not all of them?

Wood: I guess the only question about risk is we generally have an idea of the odds in Vegas — you could look them up online, or you kind of know the house always wins. Whereas, in a lot of cases, we don’t know as much about private companies. Should some of these efforts be combined with a better way for people to assess risk?

Hamilton: Sure. I mean, I think right now you have to state the inherent risk of anything that you do in [equity crowdfunding], you have to state that. I don’t know, though, if my 40-year-old cousin in Mississippi, when they go to the casino boat and put down $200 on a machine, I don’t know that they’re thinking about the risk. I don’t know that they’re being taught the risk. I think there’s a great opportunity to have very educated decision-making, but when it comes down to it, just knowing that venture investing in itself is highly risky and you’d only want to put a certain percentage of your entire portfolio into it, anyway.

Related links: More insight from Sabri Ben-Achour

After we spoke with Arlan, she tweeted some interesting ideas as to what she would like the SEC rules to be around becoming an accredited investor. She would get rid of the income threshold, and instead have a tiered cap to prevent people who don’t have a lot of money to spare from investing more than 10% of their gross income. She also suggested having a short online course and a test — kind of like what people need to do to get their driver’s license. Everyone would have to take it — even the Warren Buffetts of the world. I don’t know why, but the vision of Warren Buffett hunched over a computer taking that test brings me joy.

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A Podcast Answers a Fast-Food Question That Nobody Is Asking – The New York Times

If there is a god of ludicrous ideas that later seem inspired, he must have smiled on Brian Thompson one evening four years ago. A comedy writer living in Los Angeles, Mr. Thompson had been bingeing on true crime podcasts when he decided to create a show that would plumb the stupidest, least consequential mystery he could imagine. For reasons he can’t fully explain, he came up with:

Whatever happened to pizza at McDonald’s?

Maybe you are too young to remember. Perhaps you forgot. Or there’s a chance you’ve blocked it. But the home of the Big Mac began selling pizza in the mid-1980s, hoping to grab market share from national pie chains. McDonald’s gave up a few years later. Nobody seemed to lament the passing of McPizza, and nobody was urging its return. Which, to Mr. Thompson in the fall of 2016, made the topic all the more appealing.

“I had heard about it when I was younger, but I’d never tried it,” he said. “And I knew there were a lot of McDonald’s that are open 24 hours, so I could call one of them right then.”

He called two. At the first, an employee hung up a few milliseconds after being asked about McDonald’s pizza. At the second, a manager was sincerely stumped.

“Sorry about that,” the manager said, politely. “Have a good night.”

By 3 in the morning, Mr. Thompson had edited the calls and added some narration. He ended with an off-kilter ad he wrote for Squarespace, the web hosting platform, which he falsely claimed was the show’s sponsor.

“Squarespace,” Mr. Thompson said, in a cheery version of a monotone at the end of the pitch. “Make website easy.”

Then he uploaded episode 1 of the “Whatever Happened to Pizza at McDonald’s?” podcast to iTunes.

That was 177 episodes ago.

What started as a lark meant to amuse himself and his girlfriend has evolved into something far richer — a deadpan satire about podcasts, the business of podcasting and the quirks of investigative journalism. “Whatever” has a core audience of about 30,000 listeners, one of whom tattooed a pizza slice and the words “Thank you for your candor” above her ankle, a phrase Mr. Thompson intones after interviews that have shed little light. The show has spun off an online version of a board game and a self-published book (“How to Be an Investigative Journalist”), and Mr. Thompson has shot a TV pilot episode that his manager is shopping around Hollywood.

While attempting to unravel the “mystery” of McPizza, Mr. Thompson has turned doggedness into a kind of performance art. He has traveled to a remote Alaskan island to study an abandoned McDonald’s and walked up to the gate of the White House, where he tried to enlist the help of President Trump, a noted fan of fast food. He has had bizarre, occasionally illuminating conversations with dozens of people, including a saleswoman at an aerial advertising company. (He wanted to fly a banner reading, “Do you know McDonald’s used to serve pizza? Well, it is true. They indeed did serve pizza.” But the quote was out of his price range.)

One trick to keeping this enterprise alive and entertaining is Mr. Thompson’s refusal to accept answers to the show’s titular question, which he had learned by Episode 5. McPizza failed for reasons that should have seemed evident before it was rolled out: It’s way, way off brand, and it didn’t bake fast enough to keep pace with the rest of the menu.

Pretty simple.

No way, says Mr. Thompson. Actually, all the talking on the show is done by a character played by Mr. Thompson, an earnest, eager naïf, also named Brian Thompson, who regards himself as an intrepid seeker of truth and seems to think he’s digging into a riddle for the ages.

“My character has always refused to believe reality,” said Mr. Thompson during a phone interview. “And that kind of opened up the possibility that the show could be anything I want.”

ImageThe investigative reporter in the field.
Credit…Brian Thompson

McDonald’s, it turns out, is the ideal corporate foil for this absurdist spoof. Company spokesmen have never returned a single one of Mr. Thompson’s calls, allowing the show to imply that something dark and conspiratorial is at play.

The show is also sustained by events and coincidences that are easily given a sinister cast. Early on, Mr. Thompson learned that a McDonald’s in Pomeroy, Ohio, was the last franchise in the country still serving the pizza, and he raised money through Indiegogo to fly there and try it. (He described it as “at least as good as Little Caesars.”)

He wondered how the place kept selling an item that others in the chain didn’t offer. Once again, definitive answers were elusive because the franchise owner would not speak to him. (This reporter fared no better. Reached by phone and asked about the singular longevity of McPizza in Pomeroy, a supervisor at the restaurant, Kevin Matheny, said “We’re not at liberty to answer that question.”)

Several months after Mr. Thompson’s visit, the Pomeroy McDonald’s stopped selling McPizza. The podcast depicted this as retaliation against the show, a shameless effort to curtail old-fashioned muckraking. This makes sense only in the mind of “Brian Thompson,” whose baseline assumption is that McDonald’s ought to again sell pizza because people love it and because the company is in business to make money. Hence, any rationale for the product’s demise is under suspicion.

To Mr. Thompson’s delight, he keeps unearthing new rationales for the product’s cancellation. At one point, he heard about a McDonald’s in Adak, Alaska, a largely deserted island in the middle of the Bering Sea. For years, Adak was a Cold War outpost for Army and Navy barracks, but it was decommissioned in the early 1990s, and the McDonald’s there was abandoned. Last year, Mr. Thompson raised money online to travel the 3,100 miles there, hoping that the husk of a restaurant would contain his Holy Grail: a McDonald’s pizza oven.

He flew to Anchorage, then took a once-a-week, three-hour flight to Adak. After landing, he went straight to the McDonald’s and was disappointed to see it had been boarded up — there was no way inside. The trip seemed a grand bust. But as Mr. Thompson prepared to leave the island, his Airbnb host suggested he call a guy named Larry, who, it turned out, had once found a pizza oven in a derelict bowling alley. Evidently, it had been hauled out of the defunct McDonald’s. Larry determined it had been manufactured for McDonald’s by Garland Commercial Industries, a company in Freeland, Pa.

To “Brian Thompson,” this was a breakthrough on a par with the formulation of the laws of thermodynamics. He called Garland, and a representative put him in touch with a service tech in Cleveland who had once repaired McDonald’s ovens. Unlike the corporate P.R. department, this guy was chatty.

“They were only in McDonald’s for roughly two to three years because of the difficulty to program them,” the tech said on Episode 143. “I don’t even think there’s program manuals for it.”

And thus, to Mr. Thompson’s delight, three years into the show, he’d added another reason that McDonald’s killed pizza — the ovens were a fiasco.

“Armed with this treasure trove of dangerous information,” he said, ending the episode. “I shall continue my investigation next week.”

Credit…Brian Thompson

As funny as the show is, it can induce winces, particularly when Mr. Thompson is talking to minimum-wage workers, who have little choice but to treat the oddball on the phone diplomatically. It’s a pitfall Mr. Thompson is acutely aware of and tries to avoid by making himself the butt of every joke.

“I don’t want this to be a prank show, as much as I love prank shows,” he said. “I really want to be the dumbest person in the room at all times.”

Mr. Thompson grew up in northeast Louisiana and originally hoped to write fiction. He segued to stand-up comedy after graduating from college, then started a daily science news podcast in his late 20s. That landed him a job with a science education nonprofit in Los Angeles, which quickly imploded. He started performing and writing for the Upright Citizens Brigade, a comedy group, and has spent recent years writing for TV comedies and doing voice-over work.

Nothing he’s done, though, has resonated like his podcast. The day after he posted the first episode, he checked a Twitter account he’d set up for the show and found a batch of enthusiastic messages. This included a tweet from John Darnielle of the indie rock band the Mountain Goats, who wrote: “New favorite thing alert.”

“To me, it’s a show about branding and the way podcasting has grown,” Mr. Darnielle said in an interview. “We watched it go from an industry with no real boundaries, no rules about how you do it, to a medium that was trying to emulate what TV was, with umbrella companies with seven podcasts.”

In the years since Mr. Thompson began “Whatever,” the business of podcasting has boomed, with shows and podcast networks snapped up in deals worth millions. Mr. Thompson has no beef with money, and he recoups his costs — about $100 a month in podcast hosting fees — through ads automatically added to the show. But he’s irked by podcasts that blur the commercial and editorial by having hosts read advertisements, a throwback to TV’s early days.

It’s a practice he lampoons on “Whatever.” In each episode, he writes an ad for a real company that hasn’t paid him a cent, including Audible and Spotify. For a while, he called the podcast “ZipRecruiter Presents Whatever Happened to Pizza at McDonald’s.” Then ZipRecruiter sent a cease-and-desist letter.

Sometimes Mr. Thompson will satirize the topic of a popular podcast, which, in one memorable instance, yielded unexpected treasure. When Season 2 of “Serial” — now owned by The New York Times — focused on Bowe Bergdahl, the U.S. soldier who went AWOL in Afghanistan, Mr. Thompson did episodes about a fictional soldier who wandered off a base in search of McPizza.

He started reporting on the subject of McDonald’s in Afghanistan — and to his amazement, he found a real employee at an Afghan embassy who told him that all over the country, there were bootleg fast-food restaurants selling food based on underground recipes, including McPizza.

“This gave me the idea that maybe the recipe for McPizza was floating out there on the black market at some point,” Mr. Thompson said.

It’s just one of many leads he plans to follow up, which could keep him busy for a long time. There’s a middle school in Utah that years ago buried a time capsule with some kind of McPizza variant that came in a wrapper. He’ll need to visit. And recently, Mr. Thompson heard about a McDonald’s on a barge that opened in Vancouver for the 1986 World’s Fair — around the time of the pizza’s debut.

“My dream would be to take scuba diving lessons and search underwater where this barge was located during the fair,” he said. “I want to do an episode about looking for evidence of McDonald’s pizza on the bottom of the river.”

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Social & Online Content Creators: Moving On-Chain to Make Money | CGLive – Video – CoinGeek

Eileen Brown Blogger at ZDNet , Douglas Rushkoff Author, and host of Team Human, Professor of Media Theory and Digital Economics at CUNY/Queens , Isaac Morehouse , CEO – Crash, Inc. discuss Social & Online Content Creators: Moving On-Chain to Make Money at CGLive.

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Where to stash your cash: Brick-and-mortar vs. online savings accounts – CNBC

Fans of brick-and-mortar banks might find it easy to maintain longer relationships with their financial institutions than most of their friends and coworkers.

In fact, a 2017 Bankrate and MONEY survey found that the average U.S. adult has used the same bank account for 16 years — or longer than many people stay at their jobs.

There are certainly perks to building a long-term relationship with your local bank down the street. You might find it’s easier to secure better loans, or that the customer service can’t be beat. But the money in your savings account could be earning more interest if you shop around for an online alternative.

Online-only banks may not have physical locations, but the resulting low overhead costs mean they often offer higher interest rates and lower fees. And though you lose the face-to-face interaction, the convenience of apps and online banking portals could make up for it, even for the not-so-tech-savvy.

Below, CNBC Select breaks down the pros and cons of both brick-and-mortar and online savings accounts, along with our top recommendations, so you can decide which is best for you.

Pros and cons of brick-and-mortar savings accounts

Brick-and-mortar banks are common among consumers because of their visibility. These are the traditional big banks that you see in most shopping plazas and on billboards, inside sports arenas and in commercials. Bank of America, Wells Fargo, Chase Bank, U.S. Bank and PNC Bank are all common examples.

You likely opened your first bank account with your local brick-and-mortar bank, but should you continue banking with them? Here are the pros and cons to consider.


  • One-on-one attention when you can visit a branch in person and ask questions, complete transactions, etc.
  • Broad ATM networks for convenience, with the biggest banks having over 4,000 non-fee ATMs in the U.S
  • Access to other types of banking products in addition to deposit accounts, like auto and personal loans, mortgages, CDs, etc.
  • Strong likelihood of having free overdraft protection when you link your checking account to a savings account (in case you spend more than you have in checking)


  • Low interest rates on savings account balances
  • Minimum deposit requirements to open a savings account (usually)
  • Standard monthly maintenance fee, with a few options to waive

Consider our top recommendation: When it comes to opening a brick-and-mortar savings account, a lot has to do with what is in your local area. If you are looking for a big bank with plenty of physical branches across the U.S., Wells Fargo Bank is your best bet.

With about 5,400 physical locations and over 13,000 ATMs, Wells Fargo is the largest brick-and-mortar bank in the nation by number of branches. We rated the WellsFargo Way2Save® Savings as its top savings account because it has a low minimum daily balance requirement in order to avoid the monthly service fee ($5 per month).

Way2Save® Savings

Way2Save® Savings

Information about the Way2Save® Savings has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. Wells Fargo is a Member FDIC.

  • Annual Percentage Yield (APY)

  • Minimum balance

    $25 to open

  • Monthly fee

    $5 per month, with options to waive

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle

  • Excessive transactions fee

    Each withdrawal over the 6 per month limit will be assessed

  • Overdraft fees

    Overdraft protection when you link your savings account to your checking account

  • Offer checking account?

  • Offer ATM card?

    Yes, if have a Wells Fargo checking account

Terms apply.

Pros and cons of online savings accounts

Online-only banks are a smart choice for savers who don’t mind doing all their banking online or over the phone. Though they often offer 24/7 customer service, the one-on-one attention is better with brick-and-mortar banks where you can go in and speak to someone directly rather than a chat robot.


  • Typically offer higher interest rates through high-yield savings accounts
  • Lower (or no) minimum balance requirements
  • Lower monthly maintenance fees (if they even have them)
  • Easy to open online
  • Personal loan options as well (for some)


  • Most don’t have physical branch locations (less personal)
  • Most online banks don’t offer ATM cards (access to money might be limited)
  • Online and mobile-only banks (require digital-savviness)
  • Deposits and transfers may take longer

Consider our top recommendation: The best online savings accounts are high-yield ones that offer better interest and low (or no) fees. The Ally Online Savings Account has a strong annual percentage yield (APY) on all balance tiers, no minimum balance and no monthly fees.

Ally Bank Online Savings Account

Ally Bank Online Savings Account

On Ally Bank’s secure site

  • Annual Percentage Yield (APY)

  • Minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle *The 6/statement cycle withdrawal limit is waived during the coronavirus outbreak under Regulation D

  • Excessive transactions fee

    $10 per transaction

  • Overdraft fees

  • Offer checking account?

  • Offer ATM card?

    Yes, if have an Ally checking account

Terms apply.

Bottom line

Opening a savings account is a smart financial move, but whether you go to your local branch down the street or you go completely online is up to you.

If you really value a face-to-face customer experience and are willing to forfeit a higher return on your money for it, then a brick-and-mortar savings account is for you.

On the other hand, if you care most about high interest rates and low fees, an online (high-yield) savings account is the better choice.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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