Ways to Make Quick Money Online

Are you in need of quick money? Do you feel pumped and ready to start to earn extra money online? If you’re looking for ways to make quick money online, then you’ve come to the right place. We’ve compiled a list of ways so that you can finally make your 2018 the year you pay off your debt as you begin a better life financially. Choose the best way that fits your needs and start something that will help you financially in the virtual world.

  1. Virtual Lottery

Have you heard of the free app called Luckrastic? It releases new assortments of digital scratch-off tickets daily and you can win several prizes ranging from $1 up to $10,000. Aside from this, you can also win and earn tokens, play several games as well as enter different contests.

  1. Online Surveys

It is increasingly becoming more popular to students to wants to make money by filling out online surveys during their spare time. Numerous research companies recruit new members to test new products as well as answer different surveys. For just a few minutes of your time, you can now make some couple of quid which is paid either via cash or rewards. Among the few good ones you’ll want to try to include Global Test Market, iPoll, Opinion OutPost and Branded Surveys. You can also sign up for Swagbucks and they will reward you for surveys and by surfing the web, playing games and watching videos.

  1. What’s in your fridge?

Did you know that there are companies that are willing to pay just to know what’s in your fridge? Companies such as Nielsen Consumer Panel will send you a free app scanner or you can also use your own smartphone. Just simply scan the barcodes of the product while you’re shopping and then send that data off to NCP. Once you’re an active participant, you can earn several gift points to redeem numerous merchandise items that range from electronics, toys for kids and even household items. There will be more opportunities for you to earn points as you stay longer on the panel. You can even win a vacation trip or a brand new vehicle just by scanning product barcodes.

  1. Sell anything virtually

If you think your shelves and closets are packed to the brim with things you won’t use anymore, then you can sell them virtually. Free apps such as Letgowill let you do the selling for you. Just simply snap a photo of your item, upload it online and wait for buyers to check your stuff. It will remove lots of hassle of selling things online plus, it is 100% free.

  1. Part-time bookkeeping

Few of the perks of working as an online bookkeeper is to earn few buckets, having the freedom to work remotely while helping others succeed. In part-time bookkeeping, all you need are some computer skills and a passion for helping business owners in tackling their own real-world problems. Part-time bookkeeping is perfect for stay at home moms and college students who want to make real money by working from home.

  1. Online Market Trading

The world of stock market investing and currencies have been known worldwide. Nowadays, you don’t need to be a fat cat or to fun all the yachts of Wolf of Wall Street-style stockbrokers. Now, you can do them all by yourself using the help of online market trading platforms. Different platforms such as eToro and Plus500 both offer free practice accounts that you can use to start your experiment in the world of investing virtually.

  1. Downloading apps

Believe it or not, there are companies who’ll actually pay you just by downloading apps on your phone or computer. By keeping them installed on your smartphone, you’ll get paid again each month as long as the app is installed on your smartphone. Several apps you checked out that offer this include MobileXpression for Android and SavvyConnect.

  1. Data Entry

Although doing data entry cannot be considered as the best paying job, still, this is something you can do with just a few skills or no previous experience whatsoever. All you need is a computer and a good internet connection. With a cup of coffee on your side, find that online data entry jobs that will help you earn several buckets. Among the freelancing sites you can check include Clickworker and Smart Crowd.


Have you found the one that will suit your needs among the items listed above? We hope that the abovementioned list will help you as you start your journey in making money virtually. There are many other ways to make quick money online. You can even share your own ideas in the comments.

The Impact of Technology on the Small Business

Owners of small businesses use technology to help them in their daily operations. From computers to printers, cash registers to online file storage, the advances the world has made technologically has made a huge positive impact across all industries. The amount of impact on an individual business depends on the goals of that business, the products they use, and how well owners and employees adapt to new systems.

Impact on Operating Costs

Small businesses can use technology to reduce overhead costs. Basic software can enable a business to automate office functions, such as accounting, record keeping, and payroll. Owners can also use technology to create a secure environment for housing sensitive business and client information. Most of these technologies are very user-friendly and easy to implement.

Improved Communication

Generally, small businesses work very closely with their clients, providing them with products and services that add value to their life. However, going from an idea to an actual product or service requires means owners and employees must collaborate with each other and other vendors. Email and messenger tools made huge strides for small business communication, paving the way for online sharing and collaboration. Thanks to the option of connecting instantly, sharing information, and obtaining feedback, email and messenger tools have become great benefits to small businesses. Project management systems that are internet-based such as Basecamp, 5pm, and Zoho Projects offer an internet-based approach to keeping track of projects, updating team members and clients, and delegating tasks in real time. This means up to the minute information is available at a central hub, no matter where he finds himself in the world.

Flexible Work Environments

Technology provides small businesses with the option to work in an office, from home, or on the road. This results in the owners’ ability to hire talent from all over the world, thereby giving the business a competitive edge in the global environment.

Increased Productivity

Businesses can increase their employee’s productivity through technology. Business software can allow employees to process more information than they could manually. Technology can also reduce the amount of human labor in a function. This means that the business avoids paying high labor costs along with employee benefits.

Instant Connection with Clients

Owners no longer need to mail surveys to clients, waiting weeks for replies. They also do not need to call customers for feedback. Current technology provides small businesses with the ability to connect with their clients via email, blogs, forums, and social networks. Owners can take advantage of an instant connection through obtaining feedback from clients and then applying it as they see fit.

Online Stores

Technology has made a large impact on the retail industry. Crafters, designers, and other artisans now have an option to create an online store, rather than a costly brick and mortar storefront. With consumers moving to the internet to purchase everything from gifts to groceries, the popularity of online shopping continues to increase as the variety of products offered continues to grow. Those businesses with storefronts can expand their current business through creating an online store that can reach target markets beyond their immediate surroundings.

Employee Training

With small businesses implementing new technologies into daily operations, they now need to train new and veteran employees. New employees are likely to adapt to the new technologies quite easily. However, veteran employees might resist them or need a steep learning curve to get up to speed, which may result in a reduction in productivity for a time. Thus, owners must be diligent to implement new technologies at a pace that employees can manage so as not to harm the bottom line.


By Christine Trimbur

Jay Clark & Associates

33 Ways to Use Technology in Your Small Business

Technology aids small business owners in leveraging their limited capital in more effective ways. Sometimes, utilizing technology is a natural progression for processes already in place within the business. At other times, adjustments may need to be made in order to reap benefits from tech-friendly alternatives. Thankfully, the benefits will certainly outweigh any potential short-lived challenges that may arise during the transitional time once new systems are in place.

The ideas presented below will allow your business to do more with less and become more efficient and versatile. Even if you’re not tech-savvy, there are ways to implement technology within your business that are quick and painless.


  1. Use a time tracking software to determine how you are spending your time. Then, you can evaluate and determine how to be more productive.
  2. Replace your costly name brand application with open source alternatives.
  3. Utilize a digital filing system. Doing so will make it easier to save, sort, find, and share documents.
  4. Develop an email management process to make it easier to stay on top of the message flow.
  5. Stay on top of your daily business responsibilities by using project management and task management tools.
  6. Use digital dictation to streamline your work processes.

Money Matters

  1. By using an online budget tracker you will keep on top of, and reduce, your expenses.
  2. Use an invoice service online to help reduce the cost of payment collection from clients.
  3. Comprehensive accounting software will streamline your business finances
  4. File your taxes online.
  5. Use your digital files you created above to share your financial records with your bookkeeper and accountant.
  6. Sell products and services online which will create a new revenue stream.


  1. Start a blog that is related to your business and reaches your target audience.
  2. Software can help you create a marketing plan that you can edit, share, and update.
  3. Social media sites are a great way to promote your products, services, and your business.
  4. Use an opt-in form to collect email address to utilize the power of email marketing.
  5. Video marketing can be very lucrative.
  6. Create a website to promote your business online.

Collaboration and Learning

  1. Online teleconference calls are a great way to be sure the entire team is up to date, even if they’re all over the world.
  2. Use a webinar or conduct a web conference for no travel face time.
  3. Utilize online business training to expand your knowledge.
  4. Put your files and data in the cloud.
  5. Use an intranet for local file sharing.
  6. Use instant messaging as a way to communicate quickly with your team.

Customer Service

  1. Utilize social media to get customer feedback and conduct customer service.
  2. Set up an online ticket system or help desk to deal with issues.
  3. Allow customers to schedule an appointment online.
  4. Get customer feedback through online surveys.

Mobile Working and Telecommuting

  1. Creating a mobile office allows you the privilege of working productively from anywhere.
  2. Remote desktop applications can access files from your office computer making mobile working more functional.
  3. Save money on supplies and storage by going paperless.
  4. Find apps that sync with the Cloud to help you stay connected no matter where you are.
  5. Obtain a virtual phone number and an e-fax line that can follow you anywhere.


By Christine Trimbur

Jay Clark & Associates

Technology is essential to future of small businesses across America

The bottom line is that technology continues to change the world. In fact, it has changed the business landscape and the global economy several times over. Through the advancements in artificial intelligence and the decreasing cost of computing power, there will be another massive shift in the way people communicate and work in the next century. In the same way that the industrial revolution empowered entrepreneurs to construct iconic enterprises like Black & Decker and Ford, signs are there of the way the digital revolution is giving Main Street the competitive edge.

99% of firms in American are small and medium-sized businesses, powering American commerce. Through hiring, promoting diversity, and participating in the global market, these entrepreneurs strengthen both their local communities and the US economy. These owners are increasingly counting on technology to begin and grow their businesses.

It is no secret that technology is used to support millions of small and medium-sized businesses in the US. Simply consider the way Amazon enables online sales. Or think about the variety of digital shops that have popped up on eBay and Facebook. Everything from the way small companies market and ship their products to the way consumers find and purchase them is continually shaken up through new technologies. Each new innovation brings improved tools for running small and medium-sized businesses and engaging with potential clients.

The transition to a digital economy is happening so quickly that we are in the beginning stages of understanding the extent to which technology is transforming the world for small businesses. More than 70 billion small businesses throughout the world actively utilize FaceBook. Using this fact as a jumping off point, we can begin to comprehend the role digital platforms take in the development and the future of US small businesses.

The Chamber of Technology Engagement Center, the policy hub at the US Chamber of Commerce, partnered with Morning Consult and polled 1000 small and medium-sized business. This means companies with less than 500 employees. This is just a taste of what we are learning about small and medium-sized companies in general and how they utilize technology to fuel growth.

28 million small businesses account for 2/3 of new jobs and generate more than ½ of the US’s economic output, according to the US Small Business Administration. The poll showed that almost half of small and medium-sized companies that use Instagram, WhatsApp, and FaceBook have hired more people because of the increased demand for their products or services. On average, 43% of the businesses surveyed use digital platforms to retain and recruit staff.

Additionally, technology breaks down geographic barriers and this includes Main Street businesses. E-commerce and social media platforms have made it possible for small and medium-sized companies to reach clients well beyond the borders of their city or even state. This is a particularly large advantage for owners in rural areas.

It is not surprising, therefore, that ½ or more of small and medium-sized business leaders surveyed in 14 rural states said that FaceBook is the essential tool for their business growth. This allows small and medium-sized businesses based in rural locations the best of both worlds. Their actual location means lower overhead costs and proximity to their cherished community. Yet, these businesses can still reach clients around the world.

Because of technology, small and medium-sized businesses can participate in the global market with greater ease. This can mean marketing, exporting, and selling their goods abroad. Even though they are small, these businesses have an enormous role in global trade, accounting for 98% of US exporters and approximately 1/3 of merchandise exports. For instance, more than 120,000 US small and medium-sized companies export to Mexico and/or Canada. Of the businesses surveyed, nearly 80% sell products and services to more than one country.

Entrepreneurs require technology to run their businesses, no matter the size. As consumers continue to move online to make purchases and look for services, small and medium-sized companies have a unique opportunity to facilitate new relationships and market share. The preliminary research findings demonstrate that technology helps small and medium companies support local economies across the US, create jobs, and generate new opportunities for entrepreneurship and innovation.

It is essential to bring a clear understanding of the role technology plays in the development and growth of the small business economy. This is not only to nurture and sustain economic health amidst today’s ongoing digital transformation, but also to ensure that the millions of Americans touched by small companies benefit from the economic security and the opportunities it offers for decades.

Business Loan Brokers

Funding a business isn’t an easy task. A lot of research, analysis and time is required to know and understand what your business requires and from whom. You need to find an appropriate lender as per the finance required by your company and negotiate with him to your terms and conditions.

All this lengthy work can thus be given over to someone experienced and worthy of efficiently handling it in order to save your hard work and time. These people who handle your business funding are known as Business Loan Brokers. A business loan broker will take the complete information of your company and its requirements as per the terms and find a suitable lender for your business.

The Working Mechanism of Business Loan Brokers

These brokers help you find the appropriate loan match keeping in consideration all the requirements and necessities of your business. They’ll bring to you the best available loans. In case you accept a loan offer brought by your Business Loan Broker, there are two options available for the payment of their fees. First, you can directly pay them their fees or secondly, the fee will be included in the total amount of business loan taken. Many brokers charge only if you secure the loan brought by them, whereas a few charge fees even for their service.

Advantages of Working with Business Loan Brokers:

  • Appropriate Rate: The business loan broker will diversify the reach and submit your loan applications to a few potential lenders. This will help your business to find the most suitable rate. You don’t have to rely on one single lender’s demands and rates.
  • Alternatives: If by chance, your application gets rejected by a bank or a lender; your business loan broker would help you find an alternate option for getting loans.
  • Wide Network: Finding appropriate lenders is the daily job of these loan brokers. Thus they have established relations and networks with the right contacts needed for the job to be done.
  • Market Analysis: These brokers have an intense knowledge of the market and its terms. Various financial terms which are even hard to pronounce, are presented to you in a simplified and explained manner by the business loan brokers. They make you familiar with the meaning and the functioning of various terms in the financial market.

Disadvantages of Working with Business Loan Brokers:

  • Control: The basic controlling of the whole lending procedure is given in the hand of the broker due to which a check on the progress and actual work being done is not noted properly.
  • Unethical Methods: These brokers have their own way of working and getting things done. These might be done with some unethical methods or practices which might not be appropriate for the conduct and reputation of your company.
  • Understanding: The broker might not be able to understand the functioning of your company completely which might result in inappropriate decision making and unwanted chaos.


Hiring a business loan broker would release you from some time-taking responsibilities and unwanted headaches. Moreover, they help you understand how things work in the market when it comes to taking loans and understanding the financial terms. Their widespread contacts and networks allow you to get more money at fewer rates which would help in increasing your returns.

But at the same time, it is necessary for you to be cautious and alert while choosing the person you will be working with. You should be well aware of the broker’s past work experience and conduct to be sure that he would bring in the best offer for you. Keep checking regularly the work being done and how it is being done. This way, a business loan broker can prove to be a beneficiary asset for your company’s progress.

Nancy Khosla,

Jay Clark and Associates

How Do Business Consultants Help Businesses?

A business consultant provides solutions. There are many problems occurring every day in a business, irrespective of the scale of operations. A small business has a different kind of problems; a medium scale business will have a different set of issues while a large scale business firm will have completely different problems occurring. But a consultant can help with all kinds of business problems depending on his/her expertise and your size of business. Business consultants provide a fresh perspective on the business matters and help the owner achieve new heights of success.

There is a list of things a business consultant does that are very good for your business:

  • Provide a fresh set of solutions
  • Identify the root cause of problems
  • Supplement the existing staff
  • Provide expertise on a specific subject or market
  • Train the existing employees
  • Look after employee turn over
  • Bring in necessary changes to the structure
  • Provide objectivity
  • Provide constructive criticism

Not all business consultants are same. They come in many forms. There are experts in the following six major areas of businesses:

1. Management Consultant:

A management consultant solves the problems from within the business structure and provides ways to improve the efficiency and productivity. He creates strategies for making changes in the existing business management system and offers a lot of opportunities for personal development. They analyze how a business works – its strategies, operations, and structure, and then come with a plan to make changes and achieve the goals of the business.

2. IT Consultant:

Technology is growing very fast and it is essential to incorporate it into the day to day workings of your business. An IT consultant decides whether you need a new technological setup or not and how to integrate the new technology with your old one. He makes your business technology more flexible to suit the needs of internal and external associations.

3. Operations Consultant:

An operations consultant reduces the steps of production and increases the efficiency of your business. He implements new ways to reduce cost, increase productivity and simultaneously increase profits. An operations consultant specializes in re-engineering and quality control, maps out changes to reduce the number of defects and maintain the quality.

4. HR Consultant:

The employees need to align their goals with the business goals for a business to succeed. An HR consultant helps with that. He works after increasing the overall satisfaction of the employees, recruiting new staff when needed, training the new and existing staff and also letting go of people redundant to the company. They provide performance-related feedback and evaluations to make your team stronger.

5. Marketing Consultant:

A marketing consultant helps you create a niche for your business in the market. From the need for a new logo to a new social media strategy, a marketing consultant can help with everything. A consultant adds to the creativity when your people run out of ideas. The consultant can help create a new position for the business and attract new and more customers.

6. Finance Consultant:

A financial consultant offers financial advice related to investments, taxes, and insurance to increase the worth of the company. They help the company understand what to do with their current financial status and how to achieve their goals by maximizing the company wealth. A consultant helps the business in increasing profits along with smartly utilizing the earning and creating a financially secure future.

Reasons to Hire a Business Consultant

The following are a few reasons to hire a business consultant:

1. A Temporary Brain:

A consultant come in handy as a hired extra brain when you are short on human resources or have not yet filled the gap for a specific job. So in the meanwhile, you employ a person for a permanent job, the consultant can lend you the expertise required on the subject. Sometimes, when you need someone temporarily for a job of the limited time period, in such a situation too, a consultant can be helpful.

2. Bring in Changes:

Consultants are known for bringing in changes in the company which usually the employees resist when the management decides to go ahead. Thus, the consultant takes the heat for implementing all the changes and the loyalty of the staff towards you is maintained. Many times consultants are brought in for political cover or introducing unpopular changes.

3. To Employ Expertise:

Consultants are the experts in their field. They have the theoretical and academic knowledge and have worked with big companies closely. Thus they have the practical implementation of the same theories. For every problem, they have the best possible solution that has been tried and tested. So why look for new solutions when the consultants have implemented those on bigger clients and come out successfully.

4. Creativity:

Sometimes the internal solutions can get stuck up in their own boundaries. At a time like this, a fresh new perspective can help you look at the bigger picture which you were missing before. Consultants can come up with ideas for your business which you and your employees could never have thought of due to lack of exposure and creativity.

5. To Train the Employees:

Consultants are leaders and can train the employees to become more efficient and productive. Consultants have both – theoretical and practical knowledge of things which they can share and train people to take the advantage of the knowledge directly. They can deliver high values to the employees and make them more capable of their jobs.

6. Constructive Criticism:

Sometimes the business gets stagnant at a position and whatever you do seems to fail. A business consultant can analyze your business, compare its status with the outside flow and give you unbiased feedback. Many companies ignore the changes happening outside and thus get left behind. But a consultant provides the much-needed outlook on the details of current state, implementation of new schemes and such other critical matters.

7. A Roadmap for Future:

While you start the business, you have a roadmap of where you want to reach. But on the way, you have to make changes according to the market requirements. After a certain period, you feel the lack of experience or expertise to move forward. In a state of such crossroads, a consultant can clarify the direction for you to move forward. A consultant can make a plan for changing directions and also create strategies for you implement and reach your new targets faster.

8. Market Research:

Professional consultants are constantly researching the market and are in touch with the changing trends and dynamics constantly. Thus while taking strategic decisions you don’t have to hire someone, especially for market research. You can just hire a consultant and ask for his expert advice because he would definitely have done a thorough research of his own already. He can suggest you suitable changes and their practical implementation.

9. Save Time:

You cannot be an expert on everything. And you cannot employee permanent employees for a short-term work. For example, learning and doing the taxes above other things can be a hassle and there are chances of you making mistake. Therefore, you need to hire an expert who knows the fastest way to do the work and also has the best solution. This saves time and energy which you can utilize to do other work and take your business forward.

10. For Business Expansion:

With the changing trends, your business needs to branch out and expand to increase your existing market share. Developing a new business is a different experience for each category. When you are branching out, a consultant can help you with the business launch and also in the day-to-day operations of the new venture.

How to Find the Right Business Consultant?

Theoretically, the consultants are experts in their jobs. But practically, finding the right one that suits your needs is extremely difficult. You need a consultant who is passionate about his work, has an eye for detail, can do value-addition to your business and strives for excellence. The kind of problems you are facing needs proper addressing by an expert. Finding all these skills can be a difficult task.

You need to look for experience and strong referrals. A good business consultant needs to have a combination of many skills. So, necessary certification is essential along with well-documented information about his past works.

Consultants don’t come at a cheap price, but the right person can boost your profits immensely. And that is why you need to understand in detail to whom you are handing over your problems and trusting with the solutions.

Final Thoughts:

Hiring a consultant has positive effects on the business every day. But you the right man for the job. A consultant can not only create a plan for your success but also help you with the implementation. Not all consultants are same and not all the business problems have the same solution. So you need to analyze your business needs first and then look for the right person who will fulfil those needs.

You do need to wait for a little for the positive results to take effect but once they do, you will never work without the expert advice. Taking the counsel of an expert is sure expensive but weighed with its importance and future benefits, it is definitely worth it.

Nancy Khosla,

Jay Clark and Associates