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Friday, August 16, 2019

How to survive the Trump Recession (It's coming, get ready)



Well, the news is spreading that we are in line for a recession.  All the economist say that the signs are very clear that this is inevitable.  I found a really great video that explains why we are heading for a recession today.  Go to the bottom of this post to watch (it's a really informative video and the guy explains if very plainly).

The analysis is that this is happening due to Trump's Tariff War with China.  However, most of us really don't care why it's happening, people want to know what to do to survive the recession.

Well, you are in luck.  Economists say that we have nine (9) months to a year (12 months) to prepare for the inevitable, so if you are reading this right now you are very fortunate.  If you take the steps outlined in the post you will bless me over and over because you will be able to ride out Trump's Recession like a seagull floating on a stormy sea - you'll feel the waves but it won't destroy you.

Ready?  Here we go.


1.  Save as much money as you possibly can

Save every damn penny (it's gonna count, believe me). This is a time to put your energy in a side job, an extra gig, freelance work and sock away every cent of that extra money you earn.  Saving money in an interest-bearing account is optimal, but just saving money in a safe account will put you ahead of 99% of the population.

How much should you save?  Well, you are going to want to have a minimum of about two to three months of expenses.  Having six months or more is really the goal.  It's exceedingly difficult to find a new job during a recession and usually, it will take about six (6) months to find something when the economy is sluggish.  The goal is to allow you to survive and not become one of "the homeless" if or when your current primary income disappears (which often happens during recessions).


2.  Lower your monthly expenses  

Get rid of everything you don't need.  And I mean everything you don't need to survive.  Get rid of software and magazine subscriptions, cable TV, high-end phone packages, trips to Starbucks, etc.  Get your expenses as low as possible so that all the money you save in Instruction #1 would stretch much further and longer for you. Do this now, not later. 

Extra Tip: And also make a list of additional things you are keeping but can live without if things get really, really bad for you.



3.  Start job hunting and job networking now.  

Update your resume.  Update your LinkedIN profile and start networking now, today, as soon as possible.  Don't wait on this.  Make new friends get to know some people who are top of the scale at local companies or people who own their companies.  Get on their radar and make sure they know that you are open to opportunities with them.  Make contacts with powerful people.  You are going to need these powerful and influential friends during the recession.  When opportunities are slim, people with connections tend to fair better.  Make those connections now!


4.  Set up extra income, now! 

Start finding and setting up ways you can make extra or passive income.  Do that now . . . not later, now!  Understand doing side activities to gain extra income is very important for several reasons:

Reason #1:  It takes some time to build up a good income from side gigs.  It takes even more time to gain money from passive income activities.  So you really need the 9-12 months that economists are predicting the recession will be felt by all of us to build up this income source.  Use this time to ramp up your extra income possibilities.

Reason #2:  This side (extra) income may become your primary or only income in the future recession.  So put some effort in doing this.  In fact, if you can more than one extra income stream that the better for you!

Reason #3:  Save all the money you make on these side gigs for the next 9 to 12 months to get you to the Instruction #1 goal faster.

5.  Pay down as much debt as you can

How do you do that?  Simple.  Sell everything. You are probably just like me, you probably have closets full of stuff you haven't touched in years.  You have so much stuff in your two-car garage that you can't even put one car in it.  Your cabinets are full of stuff that you were going to use "later."  Take it out, dust it or clean it off and sell it.  It's easy to list items on E-bay, Facebook MarketPlace, Craigslist, and Amazon.  

Here are some places to go to help you quickly start.





Use every penny from those sales to pay off your debt, every $.01!  You'll thank me later.


6.  Adjust your 401(K) & Investment Portfolio

This is the time to move most of your money from the growth-high risk option to the safe slow-growth option.  It's all about preserving your hard-earned dollars here.  You worked hard to put that money in your portfolio, try to preserve your hard work as long as you can.  Don't worry, it won't be forever.  As soon as the signs of recession are over, just flip them back into your high growth options in a couple of years.

7. Commit to no big purchases for one year.
You know what "big purchases" are.  Big two-week vacations for the entire family, that new car you were thinking about leasing or buying, the possibility of buying a house.  Hold that dream for just a second (12-18 months).  You'll be able to do it later after the crashing waves of recession calm down.

That's it, my friends, if you follow this advice you should weather the storm nicely.  Afterall, you are all my powerful and influential friends and I want to keep you that way. 

For ideas on making money from side-gigs and passive income activities check out my post: Money is Everywhere: over 50 ways to make quick money.


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Friday, August 9, 2019

Telejobs (Work from Home): NTI (National Telecommuting Institute, Inc.)



Did you know that there is a whole national non-profit organization that specializes in placing Americans with Disability and Disable Veterans with jobs?  Did you know that they've been doing this successfully since 1995?

How cool is that!

If you receive SSI or SSDI (disability benefits) and are between 18 and 64 you should definitely check out this organization.  Their site NTI@Home specializes in helping folks on disability so don't worry about losing your benefits while working with them.

Most of the jobs are Call Center, Sales, Customer Service, and Help Desk jobs but that's fine because their clients are BIG companies like AT&T, Google, Amazon and so on.

It costs nothing to be part of the program and to find a job through them.  So, you should visit and learn the steps you have to take to participate in the program!

This is an amazing opportunity for my powerful and influential friends!

NTI@Home: https://www.ntiathome.org





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Thursday, August 8, 2019

Telejobs (Work From Home): Lion Rock Recovery


Voted in the Forbes Top 50 Company for Remote/Telecommuting jobs in 2017.  You should check this company often for open positions.  This company specializes in online substance abuse counseling.  From their website:

"The rapidly growing telemental health program of the U.S. Veterans Affairs health care system delivered more effective mental health services to nearly 100,000 patients than standard, face-to-face encounters during 2007-2010."

Besides work at home Clinician jobs, they also have Admissions Counselor jobs and other positions that you can easily fill.  Check out what open positions they have here: Careers at Lionrock.



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Wednesday, August 7, 2019

Start Your Morning Off Right






Want to start your day off right?  I have the solution.  It's not hard, but I bet it will be challenging for you to do this simple thing for 30 days.

I promise you, however, if you do this for 30 days, your whole entire life WILL CHANGE.  Everything will start going your way.  Your work will be easier.  The people around you will be nicer.  Money will flow to you (if that's what you want) and love will grow in places you never dreamed!  You will embark on adventures that leave you utterly satisfied.  And most of all, you will be happier with yourself than you ever could imagine.

Every day, as soon as the alarms rings or as soon as you wake up .  . .

  1. Lay on your back
  2. Don't reach for any electronic device except the OFF BUTTON on the alarm.
  3. Take 5 deep and calming breaths
  4. List all the things you are thankful for . . . until you run out of things you can think about.
  5. Ruminate on all the things you just listed for an entire minute, take 5 deep breaths again.
  6. Start your day, get out of bed.
Do this every day (don't skip any days) for 30 days.

Come back and leave a comment on this post and let me know what happened to you after the 30 days.



But Telemill, what if I don't have anything to be thankful for?

  • Let me help you.  You can start with these:
  • I am thankful that I am alive and I woke up today
  • I am thankful that I can take 5 deep breaths
  • I am thankful for my bed
  • I am thankful for my working alarm
  • I am thankful for my loved one
  • I am grateful that it is a new day
  • I am grateful for the breakfast I will eat 
  • I am grateful for sleeping last night
  • I am grateful that the sun came up again
  • I am grateful for opening my eyes this morning
  • I am grateful for the air around me
  • I am grateful for the warming that surrounds me
  • I am thankful about the peace that is surrounding me right now
  • I am grateful for the exercise
  • I am thankful that I've done this exercise XX times in a row





There, that should get you started!  Don't forget to come back and let me know what happens to you after 30 days.

I'm rooting for you and wishing every success my powerful and influential friends!



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Tuesday, August 6, 2019

What If Opportunity Never Knocks?


If you don't hear opportunity knocking than you are not very perceptive.  Opportunity is always knocking.  The opportunities are overwhelming if your eyes are open, your ears are open and your senses are working.  

Right now, I'm frustrated because all around me are opportunities to make more money, make passive income and I can't write and research fast enough to tell you all about them. 

Open your mind!  Use your senses.  Tell yourself money is all around you, the opportunity is not just knocking on your door but thumping on your forehead.  If you don't hear the knocking, it's because you are distracted or just don't want to hear the knocking.

As my son likes to point out to me whenever I have questions about anything, "Mom, you have a whole computer in your hands." (meaning my smartphone).  Today, if you are searching for opportunity all you have to do is using your fingers on the device in your hand.  These days, you have an infinite number of resources at your disposal.  Use them!

What I'm saying is ultimately, if opportunity doesn't come knocking . . . honey, you have knuckles start knocking on doors, windows, walls until you discover your next big break.

Get started my powerful and influential friend!


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Just FYI:  Some of my posts contain affiliate links.  That simply means that if you buy something through one of my links, you won't pay any additional costs, but "Telecommuting Millionaire?" will get a small referral fee that helps me pay some of my business expenses. 
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Do me a favor . . . Click one of the icons below and share this article with friends! Leave a COMMENT by clicking on the little orange "comment" below right by "written by Telemill" notation. It's the little things you do that make the biggest difference.  Thanks.

Monday, August 5, 2019

Earn Quick Money: Weird & Unique Ways

As I like to often say, "Money is EVERYWHERE" and the only limit in your gaining some of it is the limitation of your mind.  If you just expand your thinking a little bit, you can find ways to make more money and be able to take care of some debt, yourself, and your dreams.

Just to prove my point (that there is money everywhere, we just have to open our eyes and receive it) I thought I would give you some weird and unique ways that you can make money outside of the usual ways we think we can acquire more funds, cash flow and money.  It was really fun and I found some amazing ways to make money!  Let's look at some.


Selling Human Hair
Visit Buyandsellhair.com - human hair marketplace
Have really long hair?  Want to make some money?  This website is the original website that is a marketplace for human hair.  It's a wonderful informational site that has Selling Hair Guide and a Guide to help you avoid scams.

Selling Used Underwear
SofiaGray.com is the trading place and marketplace for used underwear.  Safety and anonymity are our greatest concern at this website so they ensure that all buyer’s, sellers and even casual browsers of Sofia Gray remain anonymous. They take no commission on sales. They claim that on average, "each active seller successfully sells 8 pairs of underwear each month." 

Out of My Life
This website allows you to sell (or buy) engagement and wedding jewelry that is not being used any longer.  They claim that you can get cash for your jewelry within 24 hours.

Never Liked It Anyway
Have you had a relationship for a couple of years and have broken up and don't know what to do with all the gifts or stuff left over?  You should visit this site. They claim that this website is "A place to sell the breakup baggage cluttering your life… and mind!  A place to fund your bounceback plan." At this site, not only can you sell your old relationship stuff but you can tell your story.

Selling Your Poop (Fecal Transplant)
OpenBiome is a non-profit service that accepts donations of fecal matter since 2013.  Donors can make over $10,000 a year and save lives at the same time.  Can you believe that?  But there's a catch, you have to be really healthy to become a donor, so there is a screening process you must go through.  Visit the website for more information.

Become a Lice Removal Tech
LiceDoctors.com is often in need of technicians and technicians are paid pretty well!  Visit their website and check out additional information.

Pick Up Dog Poo
DoodyCalls.com Pet Waste Management is hiring nationwide for people that don't mind keeping backyards and local parks clean.  From their website "DoodyCalls scoops over 10 million doggie deposits every year. We’re always on the lookout for hard-working and responsible people to join our team. We offer independent outside work, flexible schedules, and a very competitive compensation package."

Being a Cuddle Master
People are in desperate need of affection. There are people that actually make money as a Profession Cuddler and there are sites that hire cuddlers.  Yes, this is a real thing.  It is a totally platonic therapeutic service (think of Day Spas and Foot Massages).  Learn more at cuddles sites such as Snuggle Buddies, Cuddle Comfort and Cuddlist, you can learn everything about this way of making money and making the world a better place, one person at a time.


Of course there is always the "usual" unique ways of making money through selling your plasma, your sperm and your eggs.  So there is always that.  But the point of this post is to open your mind.  To start helping you think creatively about making money.  Carry on, my soon to be Powerful and Influential friends.



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Just FYI:  Some of my posts contain affiliate links.  That simply means that if you buy something through one of my links, you won't pay any additional costs, but "Telecommuting Millionaire?" will get a small referral fee that helps me pay some of my business expenses. 
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Do me a favor . . . Click one of the icons below and share this article with friends! Leave a COMMENT by clicking on the little orange "comment" below right by "written by Telemill" notation. It's the little things you do that make the biggest difference.  Thanks.

Saturday, August 3, 2019

Earn Quick Money: Doing Micro-Jobs


I'm always telling people to follow their passion, to do what they love to do . . . even if they can only do it for 15 minutes out of the day.  Even if they aren't being compensated for their efforts.  What matters, what makes your entire life better is the knowledge that you spent at least some time in your day on something that YOU love doing.

Now I have found a way that you can follow your passion and do what you love to do and get compensated for it!  Isn't that wonderful?

Do you know about Micro-Jobs?

Do you realize that many people who are considered "unemployed" today are actually managing financially by working mini- or micro-jobs?  The Internet calls them micro-jobs which are one-time/short-term jobs or tasks that may take one hour, one day, one week and payment is usually in cash or by Paypal.

They have a sense of freedom.  You set your own schedule, determine your rate, choose the tasks you'd like to work and the people you'd like to meet. And the good part about this is there are dozens upon dozens of websites that allow you to list yourself and your talents for small amounts of money to do the things you love.  But, here is the kick, as you develop a following by doing your passion you develop devoted clients.  People who are willing to give you more and more money to keep doing what you do.

Believe it or not, there are people making a living  (paying rent and buying food) working on online micro-gigs. I have a friend who started doing quick tasks (micro-jobs) for side money and realized (once she did the math) she could make more money and control her schedule if she did her micro-jobbing full time.

What are micro-jobs exactly? These jobs are really short tasks that can be done in a small amount of time, usually under 8 hours.  You can do these jobs online, at home, in someone's residence or in a business location.   What type of jobs will you find?  Here's a list:


  • Tagging photos
  • Internet searches
  • Data Entry
  • Audio transcription
  • Sorting items into folders for a large seminar
  • Take one item from one location to another
  • Assembling Ikea furniture
  • Mystery shopping
  • Write content
  • User testing websites

. . . and much more

How do you get paid . . .Usually, these platforms will pay you through direct deposit to your bank account or Paypal.  If you don't have a bank account, then you should definitely register for a Paypal account (although Paypal does require a bank account after awhile).  Most people don't realize that about 20% of Americans don't have a bank account and this can get in the way of working micro-jobs within the current system.  A Micro-Job Worker can get around the absence of a bank account by using Digital Wallets and Prepaid/Debit Card Accounts.  I will talk about these types of accounts in a future post (stay tuned, I will connect the post here within this article when it is posted.)


How do people get micro-jobs? 

To start working micro-jobs it is very simple . . . NOT EASY, but simple.  And each micro-job platform has tweaks and hacks that you must learn to make it more lucrative for you under each system.  I intend to outline some of these hacks (advanced tips to make you more successful for each system) on future posts, so stay tuned.  Save this post because I will update it with detailed information on how to be successful on each platform.  However, the first thing you should do is register!

Go to the list below and start registering to begin.  That's your first step to gaining additional money starting today.

The Micro-Job Systems (where to Register):

Fiverr 
This is the most popular online marketplace for creative freelancers, they are well known for graphic designers creating logos, digital marketers setting up Facebook business page, writing a post for a blog, recording a 30-second voiceover, taking photos for an Instagram page, etc.  There is so much more that you can do.  Check it out.

TaskRabbit 
The most popular "real world" micro-job site. They have thousands of people registered and it promotes that it "connects you to safe and reliable help in your neighborhood".  To register with TaskRabbit you must have a credit card and pay for a background check ($25).  You need to do this because you may we working in someone's business office, or putting furniture together in someone's home, carrying important papers from one location to another or help set up a party at a local venue.  They have to feel that you are reliable and responsible.  To be a tasker, you will need a bank account, a credit card, and a smartphone.  Sorry, but those are the requirements.

Fancy Hands
Could you make a great assistant?  Do you know how to send professional emails?  Can you order things from a store to be delivered to your client's home?  Do you know how to cancel subscriptions?  Do you know how to find and reserve services like a dog walker?  Have you ever disputed credit card charges? Have you ever sent your bosses wife flowers? Do you know how to schedule doctor's appointments?  Can you proofread an article?  Do you know how to make travel arrangement for a business team?  If you know how to do any of these things like this, you could make money as a Fancy Hands worker.  The cool part about working for them is it's very flexible and you can work these jobs around family obligations.  [Note:  They have to sign in through your Facebook or Google account so you have to have one of these to sign up.]

Amazon Mechanical Turk
This list very small (micro) tasks that you can do really quickly.  For your efforts, you can make anywhere for .01cent to $3.00.  Very simple tasks that have to do with programming, data mining, data processing, data verification, classifying information, etc.

Smart Crowd [added 4/4/19]
They provide mostly data entry and translation/transcription work for big companies such as Google, Porsche, and Microsoft.  It is free to sign up, you have to provide personal details to complete your profile and then do several online skill assessments.  The only complaint I've hard about this site is that your hourly earnings will be below minimum wage (to increase your hourly wage you have work really fast and amazingly accurately).  Also, competition among freelancers is fierce, you can go days without getting an assignment to do.  But don't let that intimidate you, you gain more work and better jobs as you successfully complete tasks and projects given.

Upwork
They specialize in freelance work on a more technical level.  Some of the tasks are under the categories of Web, Mobile & Software Development, IT Networking, Data Science & Analytics, Design & Creative Jobs, Writing and Translation Jobs and Legal Tasks as well.


Micro-Working Tip: 
It's important to note, the success of working micro-jobs is being registered at more than ONE site so that if one site has a slow period (with no work for you), you may be able to find work on another site to fill in the gaps.


(Come Back for Updates)
These are the sites that are rated and listed as the most legitimate sites for work.  I am still researching additional ones and will update the post as I find more reputable sites to register and make money with.  Stay tuned.



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Just FYI:  Some of my posts contain affiliate links.  That simply means that if you buy something through one of my links, you won't pay any additional costs, but "Telecommuting Millionaire?" will get a small referral fee that helps me pay some of my business expenses. 
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Do me a favor . . . Click one of the icons below and share this article with friends! Leave a COMMENT by clicking on the little orange "comment" below right by "written by Telemill" notation. It's the little things you do that make the biggest difference.  Thanks.