
There really are legit ways to work from home online ... And we're not just talking eBay. Here are five sites you may not know that could bring in some dough. Find out where to look, the Do's & Don'ts and how much you can reasonably expect to make. Plus, some important "red flags" to watch for.
Hundreds of thousands of full-time, home-based freelancers and independent contractors in the US are expected to be added to the workforce in 2010 and that number only goes up when you start counting part-time independent contractors looking to pick up work and earn cash fast or supplement their existing income. In other words, people are saying, "Look, I can't afford to wait. I'm ready, willing and able to work now, from right here!"
This is especially true for households where a spouse has lost a job or in cases where someone is juggling household, childcare and elder care responsibilities. The earnings may be a "must" & the flexibility can be invaluable.
It also makes sense when you look at the degree of down-sizing in corporate America. You've got folks who are accustomed to earning a certain amount and living a certain lifestyle. When they get cut, finding work online can be tremendously empowering ... In part, because the more you pour yourself into it, the more you can make. I think this is what many of us are after in a world with little-to-no job security. We want to feel like we have a little more control over our financial destiny.
Plus, entire industries have transformed. Newspapers come to mind ... And this shift to working remotely is a natural trendline enabled by technology. It's a trend too big to dodge. So, embrace it.


When you go to Seed, you can view the available assignments. It's as if you've got a seat at the newsroom assignment desk (see: How it Works).
Current assignments include: 100 Words or Less on Your Best Packing Tips or Best Road Trip Tips ... Both going for $10. An article on Taking Care of Antique Silverware will suggest, including tips at least 2 different methods and answering: Can you run through the dishwasher? How should you store? If editors accept your work, you get paid a flat fee. In this case, $25 for 400 words. If you know your stuff, the free tool they provide to submit material is incredibly user-friendly.
Many of the assignments are "hyper-local" .... Things like Local Luxury Day Spas in X Area or Navigating Unemployment in X State. Grabbing a local beat is a great way to get in the game.
On the higher earning end .... If you're already spending significant amounts of time planning a family vacation, maybe you can turn that into taking advantage of a more substantial writing assignment involving interviewing local residents, etc. Something along these lines of magazine-caliber at 1500 words is currently being sought for $300.
If/when your work is accepted, you essentially hand over the rights for a flat fee. A dashboard tracks your current assignments, the # of views you're getting and your earnings. The PAY ME NOW button issues weekly payments.
3) www.ChaCha.com
We've all done our share of Googling ... And now you can actually get paid to search for answers for ChaCha.com users. ChaCha is a search engine that just passed benchmark of answering one MILLION questions a day! You can apply to be one of the people who decides what search results pop up when someone types in, phones in or texts an inquiry on a topic you're passionate about – anything from God to Guitars and from Diabetes to Decorating. There are currently 55,000 ChaCha guides nationwide. It's an attractive part-time gig for night owls in particular, as well as college students and retirees.
You submit a proposal for the work; get hired and agree upon terms and milestones. At the end you submit your invoice and funds are released from escrow. This is key because one of the things freelancers and elancers struggle with is getting paid and getting paid expeditiously. So the fact that elance provides a tool to facilitate this and that the project is funded up-front is significant benefit.
As freelancing has traditionally been, elancing is great way to get a foot in door and build a reputation. You'll be rated on your work (much like eBays rating system for sellers). The more positive your rating, the more likely work is to come your way. Over time some elancers pair up with other high-rated elancers and bid on bigger more profitable pieces of business. So, you may start by going it alone and end up joining others and earning a piece of a potentially bigger pie.
QUESTIONS? SUGGESTIONS? We'll be taking them on ABC News Now via AIM: ReginaLewis & Twitter.com/ReginaLewis
SNOWED IN? RUN OUT OF TIME? HERE'S WHERE TO CLICK IN THE CLUTCH ... MINUTES MATTER IF YOU HAVE YOUR EYE ON GETTING SOMETHING UNDER THE TREE IN TIME. LOG ON & YOU MAY BE IN LUCK ... WE'LL TELL YOU WHERE TO LOOK, IF THERE'S A CATCH & FILL YOU IN ON SOME 11th HOUR GIFT IDEAS TO SAVE FACE & FULFILL EXPECTATIONS ... READ ON FOR SEVEN STEALTH MOVES .... DONE CORRECTLY, THEY'LL NEVER KNOW YOU WAITED TILL THE LAST MINUTE! ..
#4) EMAILABLE MONTH OVER MONTH ... Magazine, Movie & Game Subscriptions (Magazines on Amazon.com, Netflix.com, http://www.gamefly.com/) Can be e-mailed at the last minute. Get the magazine subscriptions through Amazon.com; the gift of DVD rentals on NetFlix.com & relatively new ... a way to test/try new games just as you would movies on Gamefly.com.
IF BLACK FRIDAY DIDN'T PRODUCE THE KILLER BUY YOU'RE SEARCHING FOR, THERE'S ALWAYS CYBER MONDAY ... "Cyber Monday" is the Monday after Thanksgiving (Nov. 30th this year). Retailers see this day as their first opportunity to target holiday shoppers who may have window-shopped over the weekend ... When the kids go back to school and they hit their computers at home -- and dare I say -- at work. This year, there'll be a ton of CYBER MONDAY DEALS. Here's where to find CYBER MONDAY DEALS and some Do's & Don'ts. The biggest winners so far? Department store websites: Up 151%. Neiman Marcus is currently offering free shipping & gorgeous free gIft wrapping too. Can't beat the presentation & the packaging alone is tremendous value.
IS CYBER MONDAY THE BIGGEST ONLINE SHOPPING DAY OF THE YEAR?
Just as Black Friday isn't really the biggest offline shopping day of the year (it's actually the w-end before Christmas), Cyber Monday is a term coined by the National Retail Federation and while it's certainly one of the biggest shopping days of the year, the biggest volume day usually falls around Dec 14 one of the last days for standard shipping. But, every year, the Cyber Monday stakes get higher and so is the potential upside for retailers and consumers who take advantage of the fact fourth quarter is make or break for most retailers -- they're pulling out all the stops to get your business, especially online which could prove to be a bright spot in their portfolio. Big players like JC Penney expect online sales to be its fastest-growing area. Kohls is predicting a 30% increase as result of aggressive online advertising. And, Amazon continues to post some amazing numbers.
In terms of the Internet's influence .... Here's the biggie. Beyond sales online today & throughout the season, the web is predicted to influence 1 out of 4 holiday sales (Source: NRF Survey) as consumers look online for product reviews, deals, coupons, price comparisons and gift ideas -- particularly at the more-popular-than-ever $25 an under price point -- which are on the frontscreens right now of almost every major Internet service, shopping site and magazine site.
IT SEEMS LIKE PRICES ARE CHANGING ALL THE TIME. HOW CAN I REALLY BE SURE AM GETTING THE BEST PRICE?
Dynamic pricing on the web enables retailers to slash and manipulate prices on the fly, so the price-cutting and discounting is even more ferocious. To really up the ante, some sites have deals of the day with tickers counting down the time they'll be available. If you're after a certain price, you can sign up to be notified via alerts when it hits your mark from sites like www.pricegrabber.com and www.priceprotectr.com
The key is knowing a good deal when you see one & that means knowing the price it usually goes for and is going for elsewhere. That's where price comparison shopping comes in by using shopping search on major shopping sites like AOL & Yahoo Shopping and price comparison engines like PriceGrabber.com. This single step can save you -- on average -- as much as 35% on a single item.
COUPON CODES WERE THE RAGE LAST YEAR ... ARE THEY STILL KEY & WHERE CAN YOU FIND THEM?
Leaving the promotional code box empty. If they're asking for one, that means it exists. Search for the code on sites like couponcabin.com, grab it & then check out. Also, if you get the mail order catalog for a site you're shopping at, thumb through the pages -- they may have inserted codes in there too.
SHOULD YOU BE SUSPECT IF YOU DON'T SEE A PRICE LISTED? WHY DO THEY SOMETIMES MAKE YOU WAIT TILL YOU ADD IT TO YOUR CART?
The best kept secret is actually something that throws a lot of people off -- It's NOT seeing the price of an item before it is added to their cart. You get -- understandably -- skeptical. It's a real issue & Amazon is working on it. Here's the backstory according to an Amazon spokesperson we connected with: some items require you to add them to your shopping cart BEFORE you get to see the price. Consumers, frustrated by hidden prices and wary of hidden agendas, might worry they will have to go through a long process to find out the price, but they don't. And if you just move on to the next product, you could miss out on real savings.
These products and others, are affected by manufacturer advertising restrictions whereby some manufacturers consider an online listing for a product the equivalent to media advertising. Just as brick and mortar stores cannot pick the prices in their distributed advertising/circulars, Amazon, in some instances, cannot display a price that is lower than the manufacturer's suggested retail price. Whenever you have to add something to your cart, it's probably a GOOD THING. You'll likely get a great deal.
We'll be talking HOT TOYS 2009 on MSNBC throughout the morning ... The overall trend is lower-price points. Surveys show parents of young kids are willing to forego almost anything, but delivering on a North Pole request. Walmart making it more practical. Last year, shocked the industry offering 10 popular toys at a $10 price point. They sold out. This year, they're upping the ante 10-fold, offering 100 toys for $10.
IT HAPPENS EVERY YEAR ... CABBAGE PATCH DOLLS, TICKLE ME ELMO ... THIS YEAR ROBOTIC HAMPSTERS INITIALLY INTENDED TO BE LESS THAN $10!
The "must have" toys have emerged ... The first, indeed, Zhu Zhu Pet Hampsters ... They can't keep them on the shelf at Toys R Us. Currently being bid up Amazon at roughly 4X initial retail price: Appeals to both boys & girls + every parent who ever said no to the real thing or was faced with cleaning the cage. No wonder it's a hit. The only outstanding issue: can they live up to the hype? They're cute for a few minutes, but might not be as "real" as kids expect.
NO MATTER WHAT YOU'RE SPENDING YOU CAN'T HELP BUT WANT YOUR GIFT TO REALLY STAND OUT ... WHAT'S YOUR BEST MOVE?
Something you can play that day. I call it the "12 noon mark" & the "3 pm deadline." Meaning did you start playing by 12 noon & do you still care by 3 pm? Let alone three weeks later ...
This one is destined to make the 12 noon mark: MIND FLEX. VIDEO: HERE
As for three weeks out, think timeless Beatles tunes to help make that PlayStation or Wii console in your basement make a comeback ....If the pattern holds, a lot of people wil sample it over the Thanksgiving Day w-end at home of relative & buy immediately thereafter.
DJ Hero is the big variable this year .... Remains to be seen whether consumer who shelled out hundreds of dollars last year for Guitar Hero consoles -- will spring for this too. Is certainly get rave reviews.
IS IT TRUE RETRO GAMES ARE MAKING A COMEBACK?
Sure & this reflects two trends: Nesting --- staying home & looking for stay-at-home entertainment (hence, the NetFlix, RedBox phenom) The ability for traditional brands to play into this sentiment is significant. Remember, it's a lot more expensive (takes advertising on-air & online) to build a new brand than resurrect a familiar name. Watch for Monopoly, Clue, Boggle to make a comeback with extensions -- mini versions to play in back seat of your car, digital versions for your laptop & phone ...
STOCKING STUFFERS CAN REALLY ADD UP ... HOW ARE PEOPLE WORKING AROUND THAT?
On the stocking stuffer side, you also see players like Dollar General leaning into same trend featuring nearly 200 toys priced at $5 or less. Shove some tissue paper in the bottom to get an over-filled effect.
IF YOU'RE PLANNING TO HAVE A LEANER CHRISTMAS, IS THAT A DISCUSSION YOU SHOUL D HAVE IN ADVANCE WITH YOUR KIDS?
Interestingly, this is a big debate. Depends on age of child. For tweens/teens, consensus is .... "yes." Err on side of managing expectations.
In what is BEING BILLED AS the Holiday Season of the bargain hunter, U.S. consumers are expected to spend ROUGHLY 3% less on purchases this year COMPARED TO LAST. SHOPPING for deals at discounters and buyING fewer gifts for non-family members ARE A COUPLE OF WAYS BUDGETS WILL BE CUT ... This, according to a survey by the National Retail Federation.
But your holiday budget may be bigger than you think. There are creative ways to stretch your dollars and UNCOVER PAYMENT OPTIONS OTHER THAN CASH -- but you have to know where to look. Step one, RETHINK THE MEANING OF "CURRENCY."
CREDIT CARD POINTS & PERKS
CHECK YOUR CREDIT CARD COMPANY. AMERICAN EXPRESS IS FAMOUS FOR IT'S REWARDS PROGRAM AND DISCOVER CARD CASHBACK PROGRAM MAY ALSO BE A WORTHWHILE WORKAROUND.
AIRLINE MILES & HOTEL REWARDS
airline frequent flyer miles and hotel reward points. Often times, those balances can be applied toward the purchase of merchandise from EITHER A rewards program catalog, online shopping mall OR CASHBACK INCENTIVE PROGRAM.
Hilton HHonors ® - HHonors Rewards - Shopping & Dining - U.S. Residents)
EXTRACTING GIFT CARD VALUE
Another way to squeeze out some extra holiday buying power is by trading in unused or leftover gift cards for cash. you can do this online on sites like giftcards.com. Expect to get back about 60 to 70% of the remaining balance on the card. IF YOU'RE PURCHASING GIFTS, PURCHASING THESE CARDS IS LIKE BUYING DISCOUNTED CASH!

Also, driven by the credit crunch and sagging economy, layaway programs are making a big comeback this holiday season. Sears, Kmart and Toys 'R Us – the three most notable retailers offering programs where buyers put 20% down, then make payments over a series of weeks to bring the items home in time for the holidays.
RELATED POSTS: YOUR HOLIDAY SHOPPING GAMEPLAN & SAFE & SECURE SHOPPING
Enjoyed talking with stations across the country about pulling off Halloween on a budget. This weekend, we walked the talk and got together with friends + neighbors for pumpkin carving. Here's some of the information on sites referenced in the TV segments on stations, including 9NEWS.Com (NBC-Denver) & FOX-Detroit + photos from our personal shindig (an attempt at applying some of the tips!) A few people took home their seeds .... When looked at the overnight AOL Hot Search list, sure enough ... it's happening all over the country .... there's a surge in demand for what to do with pumpkin seeds ... The term landed in the #8 slot. You can even ROAST THEM.
Decorating on a Dime: www.ShelterPop.com Some neat inspiration here & pretty darn doable.
Here's what we dreamt up at our own home (pumpkins bought in bulk); "achievement" trophies from K2; & tents with LED Christmas lights from Sears. The nice guy from Sears who helped me with the purchase, explained the LED Energy Saver lights cost more, but are brighter. He was right. They really did the trick + love the look. RELATED POST: PUMPKIN CARVING PARTY


MORE "AS SEEN ON TV"
Should I unplug things? savings-experiment That question and others answered here. They break down the eye-opening math. A lot of practical takeaways.
HOT Hampsters!: Where to Find Them. You can't make it up!
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Fun being at TODAY SHOW this week ... We're talking all-things-shopping ... Here are some links in case helpful. Lester seemed to enjoy Beatles Rock Band & special thanks to the folks from MTV who graciously helped make it all come together. Amy wasn't up for singing, but -- like every parent I speak with -- she was intrigued by the Zhu Zhu pet hamsters.
For starters, you're not seeing things ... Christmas merchandise is already on the shelves and the National Retail Federation says 40% of consumers are expected to start their holiday shopping BEFORE Halloween. So, what are the TRENDS driving this year's biggest retail season and what's YOUR best shopping game plan?
* Deemed "Christmas Creep" (as in "creeping up" on calendar).
* Crucial for retailers (season often accounts for 25-40% of annual sales).
Visit msnbc.com for Breaking News, World News, and News about the Economy
By LaToya Drake .... We've all been there -- joining every social network under the moon, only to find ourselves struggling to organize the barrage of pings, tweets, status updates, pokes and friend requests. With the recent news of Miley Cyrus abandoning Twitter (in grand form, no less), it begs the question if she's opening the floodgates for more celebrities and laypeople to leave social media all together. Note to the overwhelmed: Streamlining your social life just got easier. Gone are the days of feeling pushed to the brink of abandoning the social media network you've spent so long building and nurturing.
"Lifestreaming" ... The New Verb
Every once in awhile a new term becomes a verb describing an online interaction that simplifies our lives (i.e.Googling, Tweeting). The newest verb to add to your dictionary is lifestreaming. Because the myriad social networks important to daily our lives force us to scour the web to log into multiple social networking accounts just to keep up – AIM has introduced a way to streamline your social networks and get all the updates in one place.
AIM Lifestream unifies conversations from across the Web and delivers a constant stream of real-time status and friend updates in your AIM buddy list window. Lifestream allows you to see what your buddies are doing on AIM, Facebook, Twitter, flickr, delicious, Digg and YouTube, and also gives you the ability to leave comments back to Facebook and @reply to Twitter...all from one place!
Download the new AIM and learn more about Lifestream at aim.com
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Popeater: Miley Cyrus Raps about Quitting Twitter
You're not seeing things ... Christmas decorations and related items are out earlier this year and consumers are getting a jump on holiday shopping. In fact, 40% of shoppers say they'll start BEFORE Halloween. Retailers are banking on you not being able to wait & keeping lean inventory this year (they don't want to risk being stuck with excess items & keep in mind THEIR credit is tighter this year too). We'll be covering this space closely on-air and on this site. So, keep coming back ... :)
Flat or Modest Rise in Holiday Sales Expected:
Many early projections suggests retail spending in the final two months of 2009 – a season that accounts for a large proportion of sales and profits – will be flat or may show only a very modest increase over last year. Still, this is an improvement over last year which saw the first decline in decades.
Retailers Keeping Tight Inventories – "Buy Now" for Best Selection:
After being left over with a glut of inventory in 2008, many retailers have scaled back their purchases. Plus, their lines of credit could be tighter too (think: banks tightening restrictions). This means they may hold off on offering steep, profit-eroding discounts to reduce inventories until after the holiday season passes. For consumers it means an emphasis on buy it now vs. late, or risking gettinging "shut out" on hot gifts or paying ABOVE retail if something gets bid up on eBay.
Shop Early, Save Money:
Planning in advance, making a list and getting started early are all good bets for saving money. And because 4th quarter sales are so vitally important to retailers, many offer early discounts to consumers to stoke their spending habits. It's working on me:)
Free Shipping Offers Online:
Online, e-tailers are more likely to dangle the two most powerful words in online shopping: "Free Shipping," in October and November. The longer you wait to shop, you will find those offers will quickly be going, going, gone. Etailers are often willing to absorb flat-rate shipping charges, which are widely available at the start of the season. But as deadlines near and rush shipping charges kick in, they've got to pay the
Coupon Use up Online & Offline:
The economies slow recovery, has fueled a major resurgence in coupon use both online and offline. Coupons have become a promotion for retailers, whether they are sticker to the front of a catalog that arrives in your mailbox or pushed to you in an email newsletter. Retailers are giving consumers just enough to get over the hump (to buy), but no more than that. Nuts not to use a coupon when they're readily available.
Hot
It happens every holiday season ... there's a must-have toy or electronic gadget that flies off store shelves – think: Nintendo Wii, FURBIES or maybe Tickle Me Elmo rings a bell. Hot items like these can create a frenzy online, with Internet shoppers logging on time and time again in hopes of see those two magic words: "in stock." What's expected to be hot this year? (hint: something called Zhu Zhu pets made the list).
Toy Prices Expected to be Reasonable Again:
While it's hard to say for sure what will sell out and what won't, one thing we know with certainty is, parents are on a budget and they're searching for bargains. This has toy manufacturers responding with lower prices. In fact, half of the "hot 20" toys chosen by The Toy Insider, a consumer shopping guide, retail for $30 or less. But if you plan to snap up these bargains, don't wait. Last year, Walmart sold out of their industry trend-setting $10 toys. They had ten of them. This year? They're planning to have 100 of them!
Related articles:
Nielsen: Upcoming holiday season festive but frugal - Ecommerce - BizReport
Retailers deck the halls while calendar says early fall - The Boston Globe
Nervous US retailers brace for critical holiday season - Yahoo! News
Wal-Mart supersizes its $10 holiday toy program | U.S. | Reuters
