Could You Be Saving More On Household General Costs? Top Tips Revealed

Having bills to pay is just one of this life’s hard pills to swallow. We work hard and earn a decent living, but to watch that money slip away from your bank account is never an easy thing to witness.

But we have our bills to pay, and that’s what keeps a roof over our heads. However,  what if I told you that you could be spending more than you should be? Would you want to know where you could make those savings?

Our hard earned money is best lining our pockets. With that in mind, here are some of the ways you could save money on those essential household bills. 

financials

Image source – Pixabay – CC0 License 

Take a long hard look at your outgoings and budget

One of the first things you need to do is look at your outgoings and make a budget. You need to see exactly where your money goes each month. What this might do is unearth some costs that you no longer need to be paying. You would be surprised how many people are still paying for a gym membership they no longer need. Cancel those unnecessary debits and already you have made a saving. What a budget does is enable you to see where you can potentially make some savings. 

Take control of your expenditure

You need to take ownership of your spending. Some of those essential outgoings are completely in your control. For example, your food bill. Changing the way you shop for food and how you prepare each week could be a vital way you save a great deal of money. Meal planning can also reduce the food wastage and ensure that you only buy what you need. Many people have reported that they can reduce their food bill by half, just by making a few changes. 

Work on more frugal shopping habits

a woman with shopping bags

Some essentials need to be purchased, things like clothes and items for the home. So instead of not buying those things it’s worth changing your current shopping habits. Buying things in bulk in the sales is a great way to save over the year. You may also want to consider utilising discount codes and vouchers. Searching online for specific codes like kohls coupons can often give you some great results. They can offer huge savings on full retail price. 

Spend some time hunting out savings

For some people, savings are just waiting to be made on their existing bills. Things like internet payments and energy bills can be reduced, without sacrifice. Often companies will offer great deals and incentives for new customers. So switching providers could reduce your monthly payments. 

Be organized and avoid financial problems occurring

It pays to be organized and to think of worst case scenarios. This is where some of the biggest future savings can be made. Ensuring things like appliances and heating systems are checked over, and keeping notes on payments will all work in your favor in the long run. 

Save money on those debt payments

Finally, debt payments can mount up. But paying several providers is not cost efficient to you. You end up paying multiple interest payments and never reduce your actual debt. Consolidating to a more manageable sum saves you a lot of money per month. 

Let’s hope this has inspired you to save some money on your household bills.

How to Recognize Fraud and Undue Influence in Wills and Estates

It is a challenging and stressful time losing a parent who has lived a long life.  So many arrangements have to be made and so many things have to be taken care of.  One of those things is the estate that was left behind.

After a will has been probated the executor begins the process of distributing the assets to the beneficiaries.  This can be straight forward or wrought with disagreement and dispute.  In the case of the latter, you need to be on the lookout for fraud, dishonesty and questionable behavior.

These matters can be complex and here are 4 situations to consider.

What was the relationship between the testator (the person who made the will) and the beneficiary or any others who may benefit?

Some examples of fraud can be pretty obvious.  If your Father or Mother had a properly executed will in place for years, were still living in their house and being cared for by a neighbor or friend. And that person suddenly is the primary beneficiary in a new will, that you didn’t know about this should obviously be questioned.

Undue influence is a species of fraud that occurs where a person makes a testator execute an instrument they would not have otherwise executed.  If the new will leaves nothing to the children who were beneficiaries in a previous will then the new will can be challenged and nullified.

To contest a will, you must retain a probate or estate litigation lawyer who can file a lawsuit on your behalf.

What was the physical and mental condition of the testator before death?

Unfortunately, when our parents get on in age and into their 80s and 90s some conditions can affect their minds.  A once healthy, brilliant and sharp mind can change and parents can begin to struggle with short and long-term memory.

If a will was changed or a new one was executed when one of your parents was suffering mentally, that will can be contested.  In these instances, your lawyer would look for proof that your Father or Mother was suffering from a cognitive illness.

Medical records or testimony from the specialist doctor, who treated them before the will was changed, is the strongest evidence to secure in order to have a will thrown out.

Be aware of the conduct, character and actions of the person that benefited the most in the will or trust.

In this day and age, it is not uncommon for families to include step-brothers, half-sisters and others. In most cases expanding familial relations leads to a happier and more fulfilling family experience for everyone.

In some cases, it presents challenges especially with large estates that include ranch property, houses, vacation homes and large financial investments. If a will or trust was changed late in a testator’s life and new beneficiaries were introduced, it should be questioned.

It is important to know if the main beneficiary has any history of fraud, deceitful or untrustworthy behavior. As surprising as it may seem there have been cases where a testator, in their late 80s or early 90s was driven to a law office where a prearranged meeting was organized for the sole purpose of changing a will.

An experienced estate litigation attorney will listen to your concerns and uncover the facts behind another person’s behavior and actions.

Was the will executed properly?

A will or change to a will, known as a codicil, must be executed properly.  In Texas, there are strict rules that must be adhered to.  Unless the will is written entirely in the testator’s handwriting, a holographic will, there must be two witnesses present when the testator signed the will.

The two witnesses must be over 14 years of age and must sign the will in the presence of the testator.  The signature of the testator must be valid and not the product of forgery or fraud. The dates, page numbers, signatures and formatting on a will should be correct.  If the document looks suspicious or odd in any way it may be the product of undue influence.

An experienced estate and probate litigator can represent you in these matters to ensure that the wishes of your parents are achieved.  Don’t let yourself be bullied or taken advantage of, most lawyers offer free phone consultations so take the first step and make the call.

Snap Finance Review – Everything You Need to Know About Them

It’s been a tough month … your child got sick, spent the weekend in hospital, and was released Monday morning on a “special diet”. Since you had to miss work on Monday, your employer didn’t accept your excuse and will be docking your pay this week. I’m not going to mention the child support money is late… again!

As much as you wish you didn’t have to, you will look for a quick finance company, and leave your mother out of this one. You’ve been warned about them, but life happens! Snap Finance is one you’ve heard about a lot – maybe give them a try.

What Is Snap Finance?

Snap Finance Company is a finance broker that offers service to businesses and individuals. They serve businesses by offering a finance facility for the business’ customers that require payment terms to complete an in-house purchase. They also serve individuals by offering loans to those unable to get traditional credit. It describes itself as a “digital-finance company that specializes in providing consumer financing and rent-to-own purchase options”.

Here are some general features of finance companies. They are not full-service banking; they are strictly consumer loans. The loans they carry may not be available everywhere; low credit scores are easily entertained. They are not the cheapest loans, but often are better priced than payday loans.

Here’s where this type of facility gets tricky. They concentrate heavily on collections. Whereas a bank may give you leniency for the three months you are late, finance companies are keen to follow up on a single payment missed. Taking possession of the collateral good can happen quickly!

On the other hand, CSRs at finance companies tend to be more personable than bank officers. So yes, when you have a temporary setback, you can make that call, and your voice will be heard, as long as you do what you say you will. They often have special concessions to get you back to meeting your commitments honestly.

Snap Finance Company is actually the middle-man for your loan – they don’t lend their funds, but find finance companies that are willing to do so. From your point of view that fact matters little, since once you get the loan, where and how you pay will be decided. The website of Snap makes all the details simple – at least not your worry.

Why You’ll Love Them

a woman with a credit card

Simply put, if you’re in a financial jam of sorts, these high-risk loans are a good option, if you know how to manage it well. With Snap Finance, the first 100 days are interest-free; I’d say, do your best to meet this timeline. But if you’re going to be just a little late, an extension may be considered. Just call.

The customer service at Snap Finance is often described as “helpful” and “informative”. So many customers report that when their financial situation became more difficult, Snap Finance CSRs made it a little easier.

The website facilitates the easy application process of Snap Finance. Honestly, you already know from the home page that the interest is at least 11.8%. So if you have other cheaper options, explore those first.

Direct debit to pay the loan is a convenience offered by the lender. As long as you agree to a date that you can commit to, you will re-build your credit along with this convenience.

Why You’ll Not

coints stacked on paper

Most people who simply can’t adjust their lifestyle to improve their finances will always blame another entity. Late payments, not reading the contract thoroughly, and non-communication are common factors in clients’ frustration. After the contract is signed, your best bet is to abide by the terms, and only worry about what you can control.

That said, consumer financing can be addictive. Borrow only what you need to get by. If a purchase can wait, try to save before expending just to look good and pay more than is necessary.

Sometimes, in the haste to get funding, consumers don’t focus on all the charges that could happen during the life of the loan. Paying as agreed, these extra charges will be little to nil. You can expect to pay a charge for being late with your monthly payments, but there are a lot of complaints from former customers that these are exorbitant.

Remember, finance charges could be as high as 32%. And with additional charges that may not be apparent at the outset, this could drive the total cost of borrowing up to 100%. You should always make all calculations to know the full cost of the funds before signing any loan.

What I first described as a positive feature, could also be your detriment, if you don’t manage effectively. Should you have the funds in your account on time, direct debit is a wonderful convenience; otherwise, it’s a strike against your credit, among other things.

Finally, collection calls you choose not to answer may end up at your friend’s, your parents’, or your employer’s. All this can be avoided, as already alluded to in this article.

Conclusion

money

All in all, as with everything in life, there are pros and cons to whatever you choose. A short-term loan may be a good choice if you’re willing to be a model borrower.

Of all the finance companies and pawn shops and payday loan facilities you may be able to access, Snap Finance is a good one among many. They may actually help you in your weak moments.

Making Money From Your Sofa

Making money from your sofa sounds like a dream come true, doesn’t it? Or something that people talk about, but few people actually manage to do. But, in the modern world, where the internet plays a huge part in our day to day lives and has opened up a world of online business and new ways to make money, it’s entirely possible to make money sitting on your sofa, wearing your PJs with Netflix on in the background.

Of course, it’s not always that simple. Like most things in life, the more effort you put in, the more money you will make. Which can mean that if you want to make serious money, enough to give up your job and become a full-time home worker, you might want to get dressed and take things a little more seriously.

But, if you just wanted to make a little extra pocket money, you could do it while chilling out after a long day at work, without too much effort at all. Let’s take a look at some of the ways that you can make money, whether a little or a lot, from the comfort of your sofa.

Sell Your Crafts

selling crafts - Making Money From Your Sofa

If you already make things, have you ever considered selling them? Many of us have creative or crafty hobbies. Crafting can help us to destress and unwind. Those of us with creative hobbies are often more productive and find it easier to think creatively at work.

But, selling your crafts can also be a great way to make money. While you might have to leave your sofa to buy supplies and organize delivery, you can create your work on the couch, just like you might already be doing.

Many people start out just making a little money from their existing projects, selling on social media, or online sales sites. But, if this goes well, people often create a brand, read an introduction to brand protection, and even launch their own websites. Some of these brands become exceptionally successful.

Try Your Hand at Writing

woman writing

If you enjoy writing, and you are reasonably good at it, you could use your skills to make money as a freelancer. There is plenty of freelance work available for writers.

Some of the jobs include content writing, CV writing, product descriptions, copywriting and editing, or proofreading. Working as a freelancer means that you can work when it suits you, earning anything from a little to a lot.

Start a Blog

Another great project to start at home is a blog. There are bloggers and influencers out there, making a substantial income. But, don’t think that it’s easy and that you’ll get free stuff all of the time. Successful bloggers work very hard and commit a lot of hours to their blogs.

Take Surveys and Test Websites

If you just want to make a little extra pocket money easily, then taking surveys, helping with market researching, and testing websites are all great ways to do it. Sign up for multiple survey sites, and you could make a little money every day.

Sad Bucks Into Swagbucks: Getting Money When You’re Desperate

It’s a desperate situation. Perhaps you’ve been working so hard to stay within a strict budget for the benefit of the family, but you constantly find yourself looking for pennies on the sidewalk, or praying that there’s a note lodged in between some cushions. But when you’re desperate for money, it’s not just about the financial stress, it’s the emotional stress as well. But what can you do to get some money if you are really desperate? Is there really a way out? Let’s provide a variety of options for you.

Are You Owed Money?

money

It’s now time to call in those favors. If you’ve been able to lend friends money before, or you’ve casually let something slide, perhaps it’s time to call it back? As well as this, don’t just think about the friends or family that owe you money, but think about the opportunities that went unnoticed at the time because you had money. For example, if you’ve been an accident, have you tried your luck with any personal injury attorneys? If you are that desperate, there is no harm in going down this route just to try your luck.

What Can You Really Sell?

You are desperate, so think about the things that can really rake in a pretty penny. Selling things may not seem like a good idea in the long-term, but if you need a quick cash injection, you’ve got to think about places like pawn shops or thrift stores. It’s important to go through all of your items, especially if you’ve got something like an old smartphone. You may have a pile of smartphones collecting dust, and there are plenty of websites that allow you to sell and recycle your old phones because if you are someone who has a lot of electronic items, you can certainly get a pretty penny if you’ve got a bunch of these little things lying around. It will all add up!

Getting Extra Money In Your Spare Time

emergency fund

The great thing with any temp agencies is that they pay on a weekly basis. This means that if you can get a job, especially in your spare time, you aren’t far away from a paycheck! But also, think about the methods that get you money right away. And while becoming an Uber or Lyft driver doesn’t sound like a great way to get money, if you live in an area with a dense population, you could make a lot of money quickly. If you wanted to, you could turn it into a full-time job, but when you think about the fact that you could earn up to $100 by working 5 hours solid, it soon adds up over time. As well as this, think about other productive methods of working in your spare time. There’s plenty of opportunities on freelance websites or even websites like Inbox Dollars or Swagbucks. With these websites, if you have the time, you will get out what you put in. It’s all about commenting on adverts, taking surveys, and watching videos. So if you are stuck at home, it’s a way to get a partially passive income.

Don’t Forget To Negotiate With Your Creditors

If you are clouded in debt, it’s certainly a way to buy yourself some time. Because if you need money to pay bills or debts, it’s always worth contacting your creditors to explain the situation and to make arrangements to pay part of what you owe. This is something that we may not necessarily think about, because we are likely doing our best to avoid speaking to them. But ultimately creditors will work with you to get their money, and they are happy to take part of the payment, rather than nothing at all.

Have You Thought About Bankruptcy?

It is a last-ditch attempt. Bankruptcy is something you shouldn’t take lightly. But if you are buried in piles of debt, it could be a way to wipe the slate clean. There are various types of bankruptcy options, and it’s always worth doing your background research. But if you are so desperate for money that you don’t see a way out, and there’s too much debt, as well as this, everything appears to be going against you, bankruptcy should be the final option. Sometimes, it will wipe your debts completely giving you the chance to start again. But it all depends on the type of bankruptcy you file for. 

Conclusion

Getting money when you’re desperate is achievable, but we’ve also got to be realistic and think about our life. There are ways for you to cut back on your spending and still be happy.

Considering Becoming A Landlord?

Letting a property can bring in an additional source of income, be an investment for later life, or even be your full-time occupation. However, dealing with all of the details on your own can be difficult and time-consuming. Have you considered the benefits of working with a letting agent?

Letting agents provide many benefits to landlords and to tenants. They are a source of information and advice. They have experience in every aspect of the letting process, from promoting your property to guiding you on setting your rent to finding the best moving company to remove furniture or add it to the property.

However, this is not the end of the benefits of short let letting experts. Many such firms have connections within the business that mean you can get greater coverage for your properties without needing to pay additional fees. They will also have templates for many of the legal documents you need to produce, including your tenancy agreement. 

In addition, they may undertake referencing of perspective tenants on your behalf, deal with tenancy deposits and set up rent collection arrangements. Some services offer to work on setting up viewings and offer a point of contact so that you do not need to give out personal details.

Such agencies give you support and advice, including on aspects such as inspections and end of tenancy arrangements. It is an ideal situation for those who still want to retain complete control over their property and the final decision on who to let your property to.

Why Tenant Referencing Is Important

a woman at her desk

It is important to ensure that your tenant can afford the rent and will take care of the accommodation. This is where tenant referencing comes in.

Tenant referencing provides you with details about your prospective tenant and safeguards you and your studio accommodation, flat, apartment, or house in a number of different ways.

Firstly, it provides you with evidence of the prospective tenant’s identity. This is important for your own peace of mind, but also to fulfill your legal requirements in regard to their right to rent a property.

Referencing also gives you a chance to check other details the person has given you in relation to their employment and previous renting record. Employment information will include salary information that ensures that they can afford the rent and have a stable long term income.

a man working

References from previous landlords give an indication as to the type of tenant they have been previously and the level of risk you are taking with your financial investment. 

A credit check is usually carried out as part of the referencing procedures for long-term or short let properties, including studios, flats, apartments, and houses. A poor credit score can happen for a number of reasons, and you can create safeguards by requesting that a guarantor is provided.

Alternatively, you can request a greater number of month’s rent in advance if they are a positive asset in every other respect. 

5 Things To Consider Before Setting A Family Budget

If you’re looking to get your finances in order when it comes to your family then you’re going to need some tips. With so many important things to consider before setting your budget, it’s important you know exactly what you’re doing when it comes to your finances. Whether you’re looking to save for a high-ticket item or you want to get a better hold of your finances, setting a budget is important. With that in mind, here are 5 things you need to consider beforehand: 

What Bills Do You Have To Pay?

bills

One of the first things you need to think about when it comes to a family budget is the bills that you need to pay. Whether it’s your monthly rent or your gas and electricity, you need to be making note of them in a spreadsheet. Once you have all of your monthly bills noted down, you can start to think about how much money you have leftover for the month. For guidance when it comes to working out your outgoings, you can visit this site here. 

How Much Income Do You Have Coming Into Your Household?

Another important thing to consider is how much income you have coming into your household, as without this you won’t be able to work out your monthly disposable income. Make sure you’re taking into account all of the different incomes you have coming into your household. 

Do You Have Any Outstanding Debts?

Once you know your incomings and outgoings, you need to think about any outstanding debts you may also have. If you find you have lots of debts, it might be worth considering a loan that will help you consolidate them. For more information about online installment loans, you can visit this handy site here. 

Are You Savings Money?

savings

If you’re trying to save money, you also need to take this into consideration when creating your family budget. Make sure you’re treating it as a recurring outgoing, as this will increase the chance you have saving money each and every month. The theory is if you act like it’s a necessity to save, chances are you’re more likely to save a considerable amount. 

Do You Keep Track Of Your Disposable Income?

Finally, you need to keep track of how you’re spending your disposable income. Although this is spare money you have to spend each month, you may find that you’re spending it on unnecessary items. 

Make sure you’re keeping track of everything you purchase, monitoring the things you do and don’t need to buy. This could mean cutting down on your visits to the pub, ordering fewer take outs each week or reducing the amount you spend on clothing. Either way, you may be surprised you can save each month. 

Do you need to set yourself a family budget to help look after your finances? What do you need to consider beforehand? Let me know your thoughts and ideas in the comments section below. 

What Are the Main Things to Consider When Making a Will?

Investing in the future is a smart decision, but what happens if your future is cut short? A will is one way that you can invest in the future of your loved ones so that they never have to fight over real estate, investments and assets that you leave behind.

When you create a will, you’re choosing to break away from the 60% of Americans that leave the burden of estate managing in the hands of a lawyer, state or family member.

You can create a will online, or you can go to a lawyer that specializes in wills and trusts. The latter is the ideal choice when you have:

  • Investments
  • High net worth
  • Real estate holdings

If you have nothing to your name, a will may be made online. The more complex the will, the better it is to go to a lawyer. A lawyer will be able to walk you through some of the tax advantages that you may be able to setup for family members, and they’ll ensure that the executor of the will has everything in place to divide your assets properly.

What to Consider When Making a Testament With Varied Investments

If you have varied investments, you may want to consider the following:

Foreign Tax Compliance Laws

If you have foreign bank accounts, you’ll want to work with a lawyer that has experience working in both countries. Israeli bank accounts, for example, are subject to FATCA Compliance which means that if you’re a US taxpayer or a foreign entity that has US taxpayers with substantial ownership, you will need to pay taxes in the US, too.

For example, if you have over $10,000 in financial accounts in Israel, the money will need to be reported to US tax authorities with the IRS expecting to collect 30% tax on the asset.

It’s in your best interest to work with an attorney or law firm that specializes in wills and trusts in Israel and the United States. The lawyer will have experience dealing with FATCA compliance and also helping to lower the tax burden on your loved ones.

Should You Create a Trust?

Trusts are a great option if you have a lot of assets to leave behind. Trusts can have tax advantages, and they can also help you put conditions on asset division. Perhaps you’re leaving your estate to your grandson which has been in recovery for years.

You can put a stipulation in the trust that only a certain portion of the assets will be distributed when your grandson is:

  • 3 years clean
  • 5 years clean
  • 7 years clean
  • Graduates college

Trusts can lower estate taxes, and they allow for the distribution of assets without delay and without costs involved in probate court.

Executors and Guardians

If you have minor children, you’ll want to make sure that you appoint a guardian in the event of your demise. The guardian you choose should be aware of the burden that she or he will shoulder upon your passing.

But you’ll also want to name an alternative guardian just in case the first passes away or has become incapacitated.

Executors should also be named, and these will be the family members or persons that you trust the most. This individual will be responsible for executing the will, and the best executor is someone that is familiar with fiscal matters.

The estate’s executor will be responsible for everything from executing the will to filing with courts and a variety of other legal tasks.

Special Circumstances

Circumstances change, and you do not have an obligation to leave anything behind to family members. If you have had a lifelong feud with your nephew, you can opt to leave him out of your will completely.

When you omit family members from a will, you should have it written down why the person has been omitted with a simple statement.

The reason for providing a statement on the matter is that the person that has been left out of the will can argue that they were omitted by error or mistake. If you clearly state that the person is not to benefit from your will, it will allow for an easier time executing your will and final wishes.

If you create a will today, you should update the will whenever new financial investments or matters arise. Perhaps you didn’t mention your stock in Amazon in the initial will because you’ve just purchased shares.

You can amend your will to include these new investments to ensure that they’re dispersed accordingly upon your demise.

Read over your will annually and have any changes made by a lawyer. You can even request that a person take care of your pets or livestock. You can also leave the continuation of your business in your will so that someone else will overtake your business.

Upwork Scams: How to Not Get Scammed on Upwork

Formerly known as Elance-oDesk, Upwork has become one of the largest and most popular freelancing platforms in the world. With a 16% increase in revenue gain this year, approximately 12 million freelancers and about 5 million registered clients, Upwork does not seem to be slowing down.

If you are willing to put in the time and effort and can build a decent portfolio in terms of successful completion of projects with decent reviews, you can earn anywhere around $100-$150 per day. That’s a decent $3000 minimum pay per month considering you have kept Upwork as a side hustle.

If you plan to make Upwork a full-time gig then you stand to earn much more than this. The amount you earn is limitless. Over time and with a good hourly rate, you’ll be making thousands. This will take time and effort. To
succeed in freelancing on such platforms you always need to depend on the snowball effect.

The first couple of projects will be the hardest to get, but once you power through those with honesty and a good work ethic, you will find projects flowing into your queue in no time. With all that said,  freelancing on Upwork does come with its risks. Here are few of the  different Upwork scams and how you can avoid it.

Requesting to work off-site

This has become one of the most common ways freelancers get scammed on Upwork. If you’ve gone through the handbook for freelancers on the site (which you should’ve), then you know that operating outside the site does not fall in the site’s code of conduct. All work on Upwork has to be done on Upwork and nowhere else.

Most often, this scam works because freelancers get enticed by fancy rates that these “clients” supposedly offer if you agree to work with them outside Upwork. What freelancers do not understand is that these clients are not accountable to anyone outside the site. You stand a risk to get scammed and get paid nothing for all your hard work.

How to solve this?

Follow the handbook rules. Stay within the site for all work received through Upwork. Do NOT go off-site or you risk getting scammed and Upwork can do nothing about it.

Asking for some fee to begin working

Off the back, you might think that this a scam that clients face but surprisingly this is something that freelancers also face. Some clients will request a small fee before they let you begin working on their project. This goes against the website’s rules and regulations and could be a possible scam.

The only money involved is what is listed on the site which is either the amount the project will cost or your hourly rate as a freelancer. If any other cash is requested via chat, this hints to a possible scam so stay away.

How to solve this?

Just say “NO”. If they demand money from you, there is a high chance that this is a scam. Reject the offer and report such clients so that they can deal with them.

Asking for free work

In some instances, clients will ask for a “sample” article to “prove” your writing potential. Although this sounds legitimate, it isn’t. Upwork has stated that there is no concept of free work here whether it is an actual
job or a simple sample. Any work done has to be remunerated. Clients asking for free samples fall under scammers so stay away from such parties.

How to solve this?

Browse through this client’s open jobs, proposals and reviews and make a decision. If it looks fishy, it’s probably a scam. Let your instinct guide you but always remember that free samples are not part of Upwork and their structure.

Asking to share accounts

Yes, the initial days of being a freelancer on sites like this will be nothing short of a struggle. With many rejections and failed attempts at getting that one project to get the ball rolling, you will be desperate. Freelancers in this state usually tend to get scammed by sudden invitations to share accounts so that they can work with you and split the earnings (50-50 or sometimes even 70-30 ).

This might sound downright convenient. Sorry to burst your bubble, but that’s a scam! The risks involved in sharing your account is endless. Changing your password, withdrawing the existing earnings, hijacking and asking for money to give the account back are just a few of these.

How to solve this?

The answer is not rocket science. Under no circumstances should you ever share your account with anyone. Shortcuts will lead to nothing and cost you everything. The simplest way to prevent this is to reject such “helpful” suggestions.

As a client on Upwork, you face scams too. Some of the possible scams are:

Getting plagiarized material

A very simple scam that clients fall into is receiving material that you think is original only to find out later that it is plagiarized. With over 12 million registered freelancers there is a chance that quite a few are scammers looking to make some easy money with copy-paste material.

How to solve this?

Nowadays, tools like Copyscape help clients ensure that the material they receive is 100% genuine. Run the material you receive through this and if it fails, you can easily reject the client and keep the money. There is no point in doing this after a week after completion of the transaction. Do it as soon as you receive the material. (Grammarly is another tool that can help check for grammatical errors along with plagiarism)

Requesting off-site communication and payment

This should be a red flag that your freelancer is possibly trying to scam you. The handbook clearly states that no communication or payment should occur outside its channel. If you do so, you risk getting scammed.

How to solve this?

Just say “NO”. Accept no communication outside Upwork. It ensures accountability, proof and reduces the risk of getting scammed.

Conclusion

Whether you are a freelancer or a client, Upwork is a perfect place for you. With that being said, if you choose to ignore signs of such scams and indulge in activities that might sound like a jackpot, you have a high chance of getting scammed. Stick to their guidelines, adhere to the tips provided here and you stand to gain both as a client and as a freelancer on Upwork.

Sell Your Home Fast And For A Profit

Urgently needing to sell your home? Then you’ve come to the right post. Any person selling their home wants to make a profit of some kind, and this can be increasingly difficult to come by when you don’t have the time to wait for a high bidding buyer.

However, there are some things you can do to enhance your homes appeal in a short amount of time and increase the value and help it sell fast.

Contact Sellers

To sell your home fast, bring in the experts such as real estate professionals or you can contact businesses that purchase properties for a quote to buy your home. For instance, We Buy Houses, Sell My House, give you the option to either buy or sell your home on your behalf.

Seek a valuation from a few professionals before deciding who you want to use, this way, you can find the price that fits your desire to gain a profit on your property. Although this step is essential, you may want to commit to it after the following steps below, to ensure you get the best price possible for your home.

Upgrade Kitchen and Bathroom

If your bathroom and kitchen are outdated, consider investing some time and money in fixing these rooms up first. This will boost your homes appeal to buyers and its value. Whether purchasing a new bathroom suite or changing the tiles, your kitchen or bathroom doesn’t necessarily need a complete overhaul to look stylish and presentable.

Merely changing the faucets, updating the kitchen surfaces, and grouting the tiles can make a world of difference in transforming your bathroom or kitchen on a budget.

Curb Appeal

Your gardens and the exterior of your home are the very first thing new potential buyers will see, so make an effort to create a welcoming and impressive entrance. Mow the lawns, declutter the gardens, paint your peeling front door and update the handles and door knocker.

These are all budget-friendly ways to help sell your home fast. Purchasing a few bright-colored plants will also add appeal to your home. You want your guests to see themselves living in your home, and so creating the best first impression possible, is one of the most effective ways to do that.

Repairs

No busy professional couple, or family of five desires to move into a home where there is heaps of things that need fixing or replacing. Because of this, be sure to make your home functional, by sorting out urgent repairs quickly such as damp in your home.

Whether you have a noisy boiler, creaky doors, or cracks in the walls, focus on these repairs, you can either hire a professional or spend some time putting your DIY skills to use to keep costs down.

Neutral Decor

It’s fair to consider that your decor efforts may not be to everyone’s taste. Because of this, you may want to tone down any bright colors on the walls and change it for something more neutral such as cream, or white. A blank canvas will give potential buyers a clean slate to put their own stamp on their home, and it means less work for them having to change the decor to which is appealing to buyers.

To sell your home quickly, doing what you can in the time available to repair any problems, neutralize the decor and create curb appeal is essential. A home with too many repairs and outdated or garish decor shall decrease the value of your property and most likely only appeal to those who specifically want a fixer-upper.