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Seed.com: You've Got .... Assignments!

Monday, March 8, 2010

Create. Be Heard. Get Paid. Has nice ring to it & is a progressive new approach to journalism .... Am personally recommending it to talented friends & family and hope you'll also take advantage of this brand new opportunity if you've worked, or have always wanted to work, as a writer or photographer.




When you SIgn Up for Seed, you can view an updated list of available assignments. It's as if you've got a seat at the newsroom assignment desk (see: How it Works).

For example, they'll pay $25 for three surprising eco-friendly shots. If you're a photo buff, it's worth a shot.

The writing assignments give a word count, deadline – sometimes hours/sometimes weeks – and a price, anywhere from $10 for a quick piece to $300 for something more expansive.

You have to do the work up-front and there's no guarantee your work will be accepted by the network editors, but Seed has an online "Academy" loaded with tips and examples of content that pulls in an audience, so you can apply some of the same techniques.

Added bonus: It's a great way to get discovered, build a portfolio of published work and followers.

For more information & to get a better feel, check out the Seed blog.

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Legit Ways to Work Online at Home

Monday, March 8, 2010

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.


High Speed Internet access and solid computer skills
are a must
have for most work-from-home jobs.

Five Things to Keep in Mind When Searching for Home-based Jobs Online:

1) GET TECH- READY
First, walk before you run. Make sure you have high speed access, don't have a love/hate relationship with your laptop and be sure your printer isn't about to run out of ink! A dedicated space and phone line is also high priority for your working area.

2) WATCH YOUR WATCH
Watch your watch in terms of really understanding the amount of time you're willing and able to dedicate to your online venture. Take it slow and err on side of adding hours over time and scaling up vs taking on too much out of the box and potentially jeopardizing your results and – by extension – your reputation and ratings.

3) BE READY TO COMPETE
It's competitive. The top employers are competing for the top talent and the top talent is competing for limited opportunities. In many cases some employers are only accepting 10% of applicants. The good news is, they're actually accepting 10%! Also, don't price yourself right out of a job. Just as you might compare prices on eBay before making a bid, make sure you know what the going rate is for the work you're qualified to do. And, remember, players with established track records can probably charge more, so you may need to under-cut them on price when you're first getting started.

4) MANAGE EXPECTATIONS
Manage your own expectations regarding how much money you can reasonably expect to pull in. Most of the sites covered below try to present a candid picture of income potential and will flat out tell you – with few exceptions – they're not intended to provide a primary revenue stream. A few extra bucks? Absolutely. And who doesn't need a few extra bucks?

5) OVER-DELIVER
Success breeds success. Once you get your foot in the virtual door ... deliver. That goes without saying, so will take it a step further ... Over-deliver to ensure a high rating and reputation. This will bring more opportunities your way and the ability to charge more premium rates. It's all about the climb ... Some things never change:)


Warning: Scam artists often prey on those looking
to make a quick buck working from home.

Be Wary of Work from Home Scams:
There is a fair amount of fraud in this arena. Two of the biggest "red flags" to be on the lookout for are:

1) Requests for Cash: Needing to shell out up-front cash (e.g., investing in a sales "kit" or being asked to pay to find out about job openings).

2) Requests for Personal Information: Having to hand over a lot of personal and financial information up-front, which could be an identity theft scam.

Five Legit Sites for Earning Money from Home:

1) www.eJury.com:

The virtual jury is one of the newest tools used in pre-trial research aimed at helping lawyers develop their courtroom presentations, select the best jurors for their cases and reach negotiated settlements. Let them try the case on you. Interesting and profitable work at $5-10 per verdict depending on the length of the case and the amount of material they're asking you to review.



The case I reviewed took me roughly 30 minutes to review facts; assess diagrams; and answer questions, including figures on amounts of money I think would fairly and reasonably compensate for damages. So, that's about $20 an hour on my end & it's interesting work. They're often trying to get a ballpark sense for what will fly in the actual court room. This is an efficient way for lawyers to try out arguments pre-trial and make adjustments based on feedback. You get "called" to be a virtual juror based on zip code (the jurisdiction you're in). So, you can't bank on getting this work. Some counties have as many as one case a week going through the ejury system. (Here's a sample of what a case looks like).

2) www.Seed.com:

There's so much talk about digital journalism and blogging these days, this site seems like a sign of the times . ... Seed.com is a new site that will pay you for articles, photos and soon videos too. When you go to the site you'll see assignments from editors in AOL's network of more than 80 top sites on the web – Asylum, PawNation, ThatsFit, etc. They're credentialed journalists looking for high-caliber content and lots of it. So, the standards are high, but so is the demand, since the distribution is built in. The Seed network "seeds" stories for existing sites, so they already have an audience.



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.



All you need is a high-speed connection to be apply to become a guide. Fair warning: Not everyone can be a guide. There are entrance tests and limited opportunities. If you're lucky enough to be one of the 10% of applicants accepted, you'll go to "Search University" and then quickly be on your way to earning points for each search or task you complete. Points convert into cash at end of month. While this is not designed to be a primary revenue source. in their own words, it can be "more than chump change." In fact, ChaCha tells us most guides make a few hundred dollars per month. More than chump change, indeed.

4) www.VIPDesk.com:

Become a virtual concierge or customer service representative helping people plan travel, find home improvement contractors, etc. The job can be done from home, anywhere in the country, at set hours for generally $10-12 an hour. This is growing trend in this economic climate ... In fact, VIP Desk tells us they're recruiting now with plans to add hundreds more people to their network with a mix of independent contracting and part- and full-time opportunities. It is competitive, but fantastic work for people who live in remote locations or who are juggling child- or elder-care responsibilities.



Approximately 1/2 of their Brand Ambassadors are bilingual, so if you speak multiple languages you may really have a leg up. When you sign up you get a schedule weekly or biweekly with your assigned The work varies by season, since many retail clients – including Eddie Bauer and Bluefly use VIPDesk to field customer service calls. Right now, ServiceMagic is gearing up for all the people who will be looking for Spring cleaning and home improvement efforts ... They generate leads for contractors, plumbers and the like ... Rather than take the calls directly, while they're out on a job, VIP Desk customer service reps serve as their frontline.

5) www.eLance.com:

This site is the new way to work for many small businesses with less than 500 employees. Monthly hiring is up roughly 40% year-over-year. They're not looking to hire someone in two weeks or two months, odds are, they needs something N-O-W. There are currently thousands of open jobs on this site – everything from building Facebook apps to ghostwriting books, developing marketing materials and writing executive bios.



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

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HOLIDAY DECORATIONS -- 50%+ OFF

Monday, December 28, 2009

I generally find Restoration Hardware quality to be top-notch. And, if you think ahead to next holiday season, they have some terrific decorations for 50% off. Am a fan of spelling out meaningful words ... JOY, NOEL, etc.... on mantles, hanging as ornaments, etc.

Large Letters Gold - Select Letters

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STORE RETURN POLICIES: Rules of Thumb

Monday, December 28, 2009

More than 40% of Americans will take back at least one gift after the holidays (Source: NRF). Here's quick video seen on news websites across the country & some corresponding notes + resources ....

There's no "one-size-fits-all" returns policy. While most stores offer shoppers the standard 30 days for returns, policies can vary by retailer. Watch for 14 day return deadlines on items like computers and other electronics. And whether you bought a gift in store or online, may also affect the returns procedure. If you did buy online, some retailers will require you to mail the item back, while others allow in-store returns. WalletPop.com has a terrific round-up with details by retailer.

Retailers more liberal with holiday returns: If you show up at the store to make a return, chances are you are also there to do more shopping, especially taking advantage of post-holiday sales. Retailers realize this, and if the past is any indication, return policies tend to be more lenient after the holidays. In fact, about one-third (28%) of retailers say their return policy is more flexible during the holidays than it is during the course of the year (Source: NRF Survey – Oct 2009). Merchants should do their best to work with you.

Cashing in on gift cards: Gift cards are important for the retail industry because they help drive sales after Christmas and into January. If you received a gift card, its value will likely go a little further over the next few days if you're able to cherry pick some heavily discounted post-holiday merchandise. But if you received a card you know you won't use, there are websites (www.giftcards.com, www.plasticjungle.com) where you can swap them with someone for one your want, or you can sell them for as much as 70% of the card's value and pocket the cash. For their part, the sites do charge small transaction fees.


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Heifer.org: Buy a share in a Goat as Last-Minute Gift

Wednesday, December 23, 2009
Even if you have wrapped up your holiday shopping, there's still one one last minute gift worth considering ... Nonprofit organization Heifer International, founded in 1944, provides livestock and environmentally sound agricultural training to improve the lives of families in over 50 countries. And, if you've lost shopping and shipping days given the snow storm, this idea just might move to the top pf your list ...



For $120, on Heifer.org, you can purchase a dairy goat for a family in need – or contribute as little as $10.00 toward the purchase -- essentially you buy a share. While the idea may sound a little out of the ordinary ... you gift/donation can help a struggling family receive up to a gallon of milk from the animal every single day. That's more than enough milk not only to drink, but to use to make cheese, butter or yogurt, plus to sell whatever is left and buy much-needed clothes, school supplies and medicine.

Your gift of a cow, goat or other farm animals arrives after Heifer project partners have been extensively trained in sustainable farming, basic veterinary skills, and values-based community support systems that assure your donation is successfully helping those you intend to help. Heifer helps rural villages, urban neighbors, U.S. small family farmers, women's groups in developing countries, orphanages, and those recovering from natural disasters succeed in becoming self-reliant, achieving basic housing, education and health care.

When you give the gift of a flock of chickens ($20), a Goat ($110), a Water Buffalo ($250), a dairy cow ($500) or any other animal through heifer.org, you have the option of giving on behalf of someone else. Heifer.org's beautiful honor cards can be sent to the recipient and explain the gift you made in their name. Heifer honor cards can be sent by mail, email, or as an animated e-card. It's a unique & thoughtful last-minute gift.




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VERy, VERY LAST-MINUTE GIFTS. GIFTS YOU CAN E-MAIL!

Monday, December 21, 2009

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! ..

IF YOU'RE ONE OF THE MORE THAN 40% OF AMERICANS WHO HAVE WAITED TILL THE LAST MINUTE TO SHOP ... GOOD NEWS, GIFT GIVING TRENDS ARE WORKING IN YOUR FAVOR.
The cost of & options for getting something to the recipient just-in-time is fundamentally different with the advent of the Internet & the range of gift-giving options, which can be delivered in matter of minutes via email ... That's good news for procrastinators .... Now, beggars CAN be choosers. These days, you can come across as "deliberate" vs "desperate" if you make informed picks in the homestretch. Also, there are meaningful gifts which can be personalized, including philanthropic options, so you seem (real or not) thoughtful vs absent-minded.
THOSE ARE A COUPLE OF MACRO TRENDS ... LET'S DRILL DOWN ... FIRST, ONE OF THE MOST SOUGHT-AFTER GIFTS ... GIFT CERTIFICATES ... THEY'VE COME A LONG WAY ...
#1) I'll CLICK, YOU PICK ... Gift Certificates (Gifts.com & www.Amazon.com)
You pick the design, amount and can include a personalized messages. Starts at $5. Can be redeemed a 100+ stores, including GAP, Pottery Barn, Starbucks, etc. Amazon also offering e-mailable gift certificates this year.
#2) MEMORABLE MOMENTS ... Gift of Time (ww.StubHub.com) Concerts, games,even the circus ... there's no more thoughtful gift than the gift of time ... The gesture and stub says, "Let's do this together." No shortage of options on StubHub.com. Can talk through order process, pick up, reliability & resale options if plans change.
#3) WE HOPE TO SEE YOU SOON ... Airline Miles (The Gift of Travel)
Southwest Airlines, United and other airlines offer electronic gift certificates you can purchase online starting in $10 increments and have emailed. Terrific idea to go in on as a group &/or of there's a significant family event coming up in new year (e.g., wedding, reunion, etc.) Southwest Airlines Gift Cards, United Airlines Purchase Miles

#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.

#5) IT'S ON ME ... Restaurant & Take-Out (www.Restuarant.com). A meal or takeout may be well-timed & most appreciated. Just the kind of thing can be used during holiday week & could cost you a whole lot less than picking up the tab in-person. In some cases, a $10 gift certificate goes for $3 ... That means, a $60 night out could end up -- if you play your cards right, running less than $20 -- Cheers! More info here.
#6) MAKING A DIGITAL DIFFERENCE ... (www.NetworkforGood.org) You can give a gift to charity in someone's name. They'll be notified via email. You can choose a specific charity or a cause, in which a "basket" of related charities will benefit. The recipient receives a personalized email notifying them of the gift & -- in some cases -- they'll receive updates from the charity throughout the year. You'll get an email confirming the gift & a receipt for year-end tax purposes. Also see site of the day: You can buy a $10 share in a goat!
#7) THIS SONG OR ROUND IS ON ME ... Music & Apps (iTunes.com)
An iTunes Store gift certificate can be sent via email for near-immediate delivery, or print the gift certificate on your own printer and deliver it in-person. Amounts range from $10 to $200. Can be used for songs & popular apps.

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FREE Shipping Still Available

Thursday, December 17, 2009

Today on stations nationwide, we're talking about the last minute shopping & shipping push ... WalletPop has an enormously helpful list of shipping deadlines.

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LAST-MINUTE GIFT IDEAS

Wednesday, December 16, 2009

SHIPPING DEADLINES ARE APPROACHING FOR ONLINE SHOPPERS ... WHEN DO FREE OR DISCOUNTED SHIPPING DEALS BEGIN TO EXPIRE?

There's now a sense of urgency ... We are in the home stretch for free shipping. Keeping in mind, "free shipping" offers most often correspond with the dates when "standard shipping" offers also begin to end.

Most offers for "free" or "standard" shipping expire between December 14th - December 17th. So run, don't walk to the nearest computer.

Examples of Standard Shipping cutoff dates:
1) Gap.com: (Dec. 15)
2) Banana Republic (Dec.15)
3) JCPenney (Dec. 18)
4) Overstock.com (Dec. 17)
5) Victoria's Secret (Dec. 18)
6) Amazon.com's popular FREE SUPER SAVER SHIPPING ends Wednesday, Dec. 17.
7) Target.com: standard shipping runs through Dec. 20 at 11:30PM CT

**You will start to notice sites also adding in a cut off "time" to order deadlines. You will see that a lot more as we move into 2 or 3 day "rush" shipping and overnight deadlines. So, hours and even minutes start to cost you money at this stage of the game.

**Check deal-hunting sites like WalletPop.com to find comprehensive lists of retailer shipping deadlines.

WE UNDERSTAND THERE IS ONE FINAL MOVE PROCRASTINATORS CAN MAKE TO TAKE ADVANTAGE FREE SHIPPING AND STILL HAVE GIFTS ARRIVE IN TIME FOR XMAS ... TELL US ABOUT FREE SHIPPING DAY?

There there are a large group of e-tailers (about 500) who will be offering free shipping as late as Wednesday the 17th It's part of a promotion happening online called "Free Shipping Day." Participating retailers include a lot of big names you may be familiar with: JCPenney, Kmart, Macys, Red Envelope, Sears and Sephora.

More about Free Shipping Day – Dec. 17:
This year, expect to see roughly 500 retailers participate in the perfect shopping event for procrastinators ... Free Shipping Day 2009 takes place on Dec. 17th and offers free shipping that's guaranteed to arrive by Christmas Eve day on orders placed Dec. 17th.

All participating retailers will be listed at FreeShippingDay.com and while encouraged to offer free shipping on any size purchase, retailers can choose to limit free shipping to purchases that are over a certain limit so pay attention to the details if you order.

Again, keep in mind, "standard shipping deadlines" are often the same dates associated with "free shipping." So, miss the standard shipping deadlines and it starts to cost you more money (express shipping) to get your gifts under the tree in time for Christmas.

IS IT TOO LATE TO ORDER MONOGRAMMED OR PERSONALIZED GIFTS?
We checked with LandsEnd.com and they are taking monogrammed orders as late as Friday, Dec. 19 - Midnight EST, but expect to pay express shipping at that stage in the game.

And if you are going the monogramming route, stick to a well-known company that's accustomed to monogramming and handling high volumes of orders. Think: Land's End or LL Bean or LillianVernon.com. Monogramming also tends to be more accurate when ordered online vs. phone-in orders, since you are the one doing the typing.

WHAT ABOUT FINDING WAYS TO SHIP GIFTS ON A BUDGET ... OR FIND SHIPPING DEALS EVEN IF YOU MISS THE STADARD DATES?

1) Seek out upgraded shipping deals:
It's usually up to the consumer to seek out free or upgraded shipping options. For example, Google: "Gap + shipping upgrade." And if you're signed up to receive deal newsletters from sites where you regularly shop – you're likely to find shipping upgrade codes in those emails.

2) Buy as much as you can on one site to have items grouped into one shipment:
Buying several items on one site usually saves on shipping. You often take a hit on shipping on the first item, but, the more you purchase, the better the shipping deal, i.e., The first sweater you order may cost you $7.95 to ship, but add a few more items to your cart and the shipping charges go up in much smaller increments. (I used Lands End standard shipping for my test on this. It costs $7.95 to ship the first sweater – but buy as many as 5 sweaters and the shipping price only jumps to $15.95).

3) Use Site-to-Store Shipping:
(Web)site-to-store shipping means you can order an item online and then pick it up in the actual store. This is a definite money saver as no rush shipping is required. Retailers like Best Buy, Sears and Wal-Mart offer this site-to-store feature.

A LOT OF SITES HAVE SHIPPING GUARANTEES, BUT WHAT DOES "GUARANTEED TO ARRIVE IN TIME FOR CHRISTMAS" ACTUALLY MEAN?

Here's what this REALLY means. It means GUARANTEED to leave OUR warehouse in time. After that, it's up to UPS & Fed-Ex and if you read THEIR fine-print, it says all bets are off in event of inclement weather. The Fed-Ex famous "money back guarantee" does not apply if planes are grounded or it's dangerous for their drivers. So, if you wait to the last minute -- worst case scenario (and it happens almost every year) – the gift you paid premium shipping on is sitting on an icy runway somewhere ... it DOESN'T arrive on time & you're out $20 bucks!


This year, BestBuy.com is backing up its shipping guarantees by offering digital coupons if they do not attempt to deliver your order by Christmas Eve.

HOW ABOUT WAYS TO AVOID SHIPPING ALL-TOGETHER ... SOME GIFTS YOU CAN REALLY SEND AT THE 11TH HOUR?

Give Music (iTunes.com)
An iTunes Store gift certificate can be sent via email for near-immediate delivery, or print the gift certificate on your own printer and deliver it to them in person.

Email Gift Subscriptions (Magazines on Amazon.com, Netflix.com)
Both options can be e-mailed at the last minute. Get the magazine subscriptions through Amazon.com - The gift of DVD rentals on NetFlix.com.

Give Airline Miles (The Gift of Travel)
Southwest Airlines, United and other airlines offer electronic gift certificates that you can purchase online and have emailed - Southwest Airlines Gift Cards, United Airlines Purchase Miles

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The Early Show (CBS) - Hard to Find Holiday Gifts

Friday, December 11, 2009
As seen this morning on The Early Show (CBS), we took a look at some unique and hard-to-find holiday gifts. Read more


Watch CBS News Videos Online

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As Seen on The Early Show - Presents Under the Tree for Free

Wednesday, December 9, 2009
Regina Lewis shows The Early Show's Harry Smith how to have a holiday on the cheap by getting great holiday gifts for free through credit card rewards and other methods. Read story


Watch CBS News Videos Online

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Best Sites for 2009 Holiday Cards

Friday, December 4, 2009

Few things thrill me more than holiday cards (though, have been off my game in recent years). This year, the folks from minted.com sent us some samples .... They're GORGEOUS. If you order by Nov. 9 they'll throw in free shipping if you use offer code FREESHIPNOV.

Am particularly fond of the "vintage" & "yearline" options ...

Holiday Photo Cards, Christmas Photo Cards & Photo Cards at Minted

float + peace Holiday Photo Cards, by Float PaperieCelebration Holiday Photo Cards, by Milkmaid PressHoliday Nostalgia Holiday Minibooks, by Emily Ranneby

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WAYS TO GET GIFTS UNDER THE TREE FOR FREE

Friday, December 4, 2009

In what is being billed as the holiday season of the bargain hunter, your holiday budget may be bigger than you think. There are creative ways to stretch your dollar and uncover some hidden buying power you may not even know you have ... We're talking about payment options other than cash on the CBS EARLY SHOW this morning. The secret is rethinking what "currency" means.

1. CREDIT CARD REWARDS: Redeem for Merchandise

a) Discover has a Cashback Bonus program. Members can redeem their Cashback Bonus for gift cards from over 100 top retailers including: Brookstone, Fandango, Gap, Food Locker, FAO Schwarz, JCPenney, iTunes, Macys, Old Navy, Overstock.com, Red Envelope, Sears, Sephora, Bloomingdales, Blue Nile , HP, Lane Bryant and many others. (You do need an account to browse the online mall.)

b) American Express rewards. You can earn 1 Membership Rewards® point for virtually every dollar you spend. 1,000 points equal about $5 when redeemed for merchandise. Use your points online at shopamex.com where you can but things like Nintendo Wii games for example. A $48.00 Wii game can be had for just under 9600 points. You can exponentially increase the rate at which you earn points by taking advantage of merchants offering 3-5X points for every dollar spent.

2. AIRLINE MILES
You may not have enough miles for a round-trip flight, but you can also redeem airline miles for holiday gifts. United has a Merchandise Rewards website where you can trade points for anything from cookware to watches to electronics. United Merchandise Rewards

Same goes for some hotel rewards programs like Hilton HHonors

3. TAPPING INTO UNUSED GIFT CARDS
If you have yet to redeem unused gift cards from last holiday season, you're not alone – one of four gift-card recipients have yet to redeem a card they received in 2008 (Source: Consumer Reports). We're not suggesting you re-gift the old gift cards (that's your call), but what you can do is swap them for cash online on sites like www.giftcards.com. Expect to get back between 65% of the gift card's value.

4. OLD GADGETS = NEW BUYING POWER
Electronics will be hot gifts this holiday season & you may be able to cash in by recycling some of the old gadgets you are replacing. As part of their new trade-in and recycling program, Sears is offering gift cards for your old electronics – think MP3 players, digital cameras, cell phones – even old video games and DVDs. We've had great success with this model in our home.

Log onto sears.gazelle.com, where you'll be prompted to enter brand and model information, indicate whether the device works or is damaged, and answer questions about condition and the presence of various accessories. Then, click 'calculate,' and up pops the trade-in value. EXAMPLE: A used, three year old Cannon digital camera in "good" condition is worth $61.00. In "fair" condition, it's worth $53.00. If you're satisfied with the offer, the company will provide free shipping and packaging to return the equipment; and you'll receive your Sears gift card in a week or so. As a special holiday promotion, Sears says participants will receive a 5 percent bonus over the actual trade-in value through Dec. 31. Customers can redeem Sears gift cards online or in store.

Best Buy is also offering gift cards for used electronics. They have an online estimator so you can see how much your stuff is worth. You can then print a prepaid shipping label from the Best Buy website. You can also make trade in's at Best Buy stores for select items like laptops and iPods, if you originally purchased the items at Best Buy. There are also in-store kiosks where you can trade in previously viewed movies.



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