January 2018 Online Earnings

A New Opportunity on Swagbucks–Trivia Games


Want to earn money while answering fun trivia questions? SwagIQ (available for iPhone and. Android) is a live, multiplayer trivia game show you play from your phone!

 

Each weekday, Swag IQ broadcasts a live game. Simply tune-in at the appointed time by launching the SwagIQ app and log-in with your Swagbucks account credentials. If you don’t have a Swagbucks account, you can sign up for one here and then download the app!

Click on this link to watch a video presentation about the new trivia game.

https://www.dropbox.com/s/ks4cp4mr5m57s9l/File%20Feb%2020%2C%201%2006%2055%20PM.mov?dl=0

Our game show host will then ask a series of multiple-choice trivia questions. You’ll have 10 seconds to answer each one. Get it right; you get SB and move on. Answer them all correctly and you can win a grand prize! If more than one player wins, the winners split the grand prize.

Get it wrong; still play along. Some questions have an SB award attached to them. If you answer those questions correctly, you get those SB, even if you’re out of the running for the big money. And, if you’re in a groove but miss a question, you’ll have the option to rejoin a game by redeeming a few SB.

The first public game is today at 4PM Eastern Time/1PM Pacific Time. So, tune-in then win up to $1000 playing SwagIQ. The host will review how to play before the game starts!

January 2018 Online Earnings

January 2018 Online Earnings

I like to earn money in pajamas. I also like sharing the opportunities that I’ve utilized with others. That’s why I started this website, and it’s why I gave it the name that it has. I’ve been tracking the ways that I’ve earned money online lately, and this post will detail my January 2018 Online Earnings.

Many people have trouble making ends meet. I know. I’ve been there. I took a gamble and started grad school as the only income earner in my household. I’d read about people graduating with student loan debt well into the six figure area. I also met a few of these folks while taking classes.

I started my program with fear and trepidation, but I was determined to supplement my relatively small stipend so that I would not wind up in the same boat. That level of debt was nowhere close to what I wound up with. I did, however, wind up with $36,000 in debt, which was plenty. My goal is to have this paid off shortly.

Why Online Earnings?

I did not want to spend many hours each week away from home. This would have meant that my wife would have even less help with our kids. It would also mean that I’d spend less time with my family. Online income allows me to work from literally anywhere. I’ve earned from Central America, the Caribbean, Canada, and Europe. However, most of my online income has come from working at home in my pajamas.January 2018 Online Earnings

I’ve also started to look into stocks, bonds, and mutual funds. These investments allow me to make passive income. Passive income is definitely the best type of income that’s around. It comes in whether I work or not. However, it takes a while to build it up. Therefore, I have to actually work to build up the capital that can earn passive income. As some folks have noted before, your money can work harder than you can.

I’ve spent quite a bit of time learning about the different online earning opportunities that are available. Some I’ve tried, and there are still others that I might try in the future. Below are the ways that I earned money online during January 2018. While the number of methods is not as high as it is some months, I’m still pretty happy with what I was able to earn. My hope is that I can continue to bring home some more money each month over the course of the year.

January 2018 Online Earnings

Freelance Writing: $406.30
Swagbucks: $25.00
Earnably: $2.00
GiftHulk: $10.00
Amazon: $0.29 Page views and sales of my eBook — you can read this for free if you have a Kindle Unlimited subscription

Some of the links on my site are affiliate links. If you sign up using these links, I may receive compensation. 

After totaling up my January 2018 online earnings from all sources, it shows that I’ve earned $443.59 over the course of the month. This is a nice amount of money, and I’ve already had a nice chunk come in thus far in February. My hope is to earn around $5,000 or more over the course of the year from these online earnings. More is always better, of course.

You can do some pretty cool stuff with the money that you earn online. My eBook shows how earning money in your spare time could help you build up some wealth. The best part about this book is the fact that you can read it for free if you have a Kindle Unlimited subscription.

Why Track Online Earnings?

I track my online earnings to hopefully encourage others to get started. People are quick to blame Trump, Obama, or Congress for their financial woes. While there are sometimes outside forces that can hurt the economy, there are tons of ways to bring in a few bucks every month. If you’re already making ends meet, any additional money is capital that you can use to build wealth.

Keep in mind that money that goes toward savings, money that goes to investments, and money that goes toward paying off debt all goes toward building your net worth. A positive net worth can start to build on itself over time. This is where I want to be, but I’m not quite there yet.

Earnably

Can You Make Money Online?

Absolutely. Your ability to earn money online is limited by the time that you have available each week and the imagination that you might have to market some opportunities to others. Setting up your own blog can be a great way to share these opportunities that can help people out. You can also start to earn affiliate income of your own.

WordPress recommends BlueHost, which is one of the top options for self-hosted bloggers. I’ve started a blog with BlueHost, and it literally took 5 minutes after choosing a domain name. You can sign up for BlueHost by clicking the banner below if you’re interested in getting a self-hosted blog.

Remember, I started out making absolutely nothing online. I’ve now built up to where I’m making nearly $5,000 a year in my spare time. This can definitely grow over time.

Reviews Of Money-Making Sites

Here are a couple of reviews that might help you decide which sites might work for you:

Earn Cash and Rewards with Swagbucks

Swagbucks is my favorite site to use to earn money. If nothing else, you can make money from searching the web.

Earning Money In Pajamas With GiftHulk

My Ibotta App Review

I use this when I go shopping. Again, you can earn $10 for signing up with my link and getting your first rebate within a week. With cashouts starting at $20, you’d be more than halfway to redeeming for some PayPal cash!

How did you earn extra money online during January? Do you have any other options that worked? Let me know in the comments. I’d love to check them out!

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’ve passed 350 Twitter followers, and I appreciate any support you might choose to give.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link on the side of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide.
 

January 2018 Online Earnings

Earn A Bonus For Signing Up For Swagbucks in February


Want an extra boost to your budget in February??

If you haven’t tried Swagbucks before, you can get a bonus $3 for signing up as my referral this month. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash.

When you sign up through me this month, you can earn a $3 bonus! Here’s how:

1. Sign up using this link 

2. Earn 300 SB total before 3/1/18. You’ll get a $3 (300 SB) bonus for it!

3. If you want even more bonuses, you’ll get a $10 (1000 SB rebate) bonus for making your first shop purchase! That’s in addition to the SB you earn for every dollar you spend.

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned more than $2,200 from the site over the past few years. I usually use my earnings for PayPal cash, which goes toward investing, saving, or bills. The money really helps. Just using Swagbucks for searches could go a decent way toward paying for birthdays or Christmas.

January 2018 Online Earnings

Earning Money Online in 2018 With Swagbucks

One of the easiest ways to earn money in pajamas is through the use of the website Swagbucks. If you are like me, you are likely very skeptical when it comes to the possibility of scams that claim to allow you to make money online. When I first read about Swagbucks, I did my due diligence to make sure that the site was not a scam. I first reviewed this site more than five years ago. I’m happy to note that you can still make money online with Swagbucks in 2018. In fact, I’ve accumulated more than $2,000 from the site since I signed up.

Swagbucks pays out members in the form of digital dollars known as SBs.  Members can earn currency for doing a number of various tasks online. Some of these are common tasks that they would ordinarily do anyway. Others require a bit more effort. What are some of these tasks, you might ask?

This site uses affiliate links. If you sign up for a program through one of my links, I may be compensated. 

1. Earn Money from Searching the Web

One of the easiest ways for members to earn SBs is through searching the web through the site’s search engine. Users who are signed in will earn random SBs by searching for things that they would normally search for anyway. I’ve personally won anywhere between 3 and 100 SBs for searches, although around 7 to 11 seem to be most common. While the search results might not be the same as Google, you have to ask–Does Google pay you? Swagbucks does.

2. Answering Polls and Looking at Ads

Each day, users of the Swagbucks site have the opportunity to earn an SB for answering a poll. There is also the chance to earn one digital dollar for completing the Daily Crave, which is involves a couple of videos that usually include ads. Finally, there is a “Deal of the Day” on the left sidebar that will pay out an SB.

3. Filling out Daily Surveys

Most of the surveys are similar to those offered on other sites. Generally, those who qualify can earn 50 SBs or more each day for completing surveys. You will not get accepted by many of the surveys, but most will give you an SB for your trouble if you don’t (up to a maximum of five per day). I’ve made as much as 200 SB for a single survey. I generally do not attempt those that say that they will take more than 10 or 15 minutes. Some will claim to take 45 minutes and pay out more, but I don’t want to stick with the computer that long at a time.  My favorite are those that take 10 minutes or less.

Click on this guy to watch videos that credit on                                                  Swagbucks.

4. Swagbucks Watch

Swagbucks Watch is an online video streamer that has a variety of options for those who want to watch. Members can watch news, financial markets, entertainment, and other types of videos. Most are fairly short. After watching a predetermined number of videos, a member will usually earn between 1 and 3 SBs. It is possible to start these videos and then leave the room. The site can afford to do this because each video starts with a 15 to 30 second ad that users have to sit through. There are reports that some users get the maximum daily limit of 500 SBs in this manner. They will also reload and continue running, theoretically indefinitely, although I’ve never actually tried it.

The image above, known as Laptop Guy (or LTG) in the Swagbucks community pays out pretty frequently. He requires you to click through the videos. I use this pretty frequently when I’m watching a show in the evening.

5. Clipping Coupons

Many people have been getting into the practice of using online coupon sites to get discounts on name-brand items at the grocery store. This is a great way to save money. One of the leading vendors of coupons is coupons.com. Swagbucks links to coupons.com and those who redeem the coupons clipped from the Swagbucks site can earn 10 digital SB for each coupon. It will take a few weeks for this to show up in an account, but I’ve personally seen 30 SBs show up for some coupons my wife used. The 10 SB is in addition to whatever the face value of the coupon is that you get during a visit to the store.

6. Referring Friends and Family to Swagbucks

Swagbucks is not a multi-level marketing site, but users can get bonuses for referrals. Each referral can earn the referee 10 percent of the referral’s earnings.  SB are earned for most of those earned by the referrals. There is currently no limit on the number of referrals a member can get. In the spirit of disclosure, if you sign up using my link, I will get the referral bonus. This does not come out of your earnings, but it will help mine. Of course, you can sign up with the regular old link and earn the same amount. I thank those who sign up with my link for Swagbucks.

There are other ways to earn Swagbucks on the site, but these are some of more common. Earning at least 30 SBs a day is possible with a very minimal activity. Just do a few searches in the morning and the evening and you should get around 15 to 20 without doing anything else.

7. Swagbucks Shop

By going through the shopping portal that’s provided by Swagbucks, you can earn cash back that ranges from 1 or 2 percent up to 10 percent at times on various online merchants. The rebate depends upon the time of the year and the particular merchant that you use. This is basically free money. Also, if you use a points-earning or cash-back credit card for the purchase, you can actually multiply the benefit that you can get from Swagbucks.

What are Swagbucks worth?

The basic value of each SB when it comes to redeeming them is usually around $0.01. This may not seem like much, but a person who just spends about two minutes twice a day doing searches is likely to earn well over $100 in a year, all while sitting on the couch or watching TV. When it comes to the end of the year, these rewards will come in handy for buying Christmas presents. I’m now up to nearly $2,200 in lifetime earnings through the site.

What can you get with Swagbucks?

There is a wide variety of items that users can earn through redeeming Swagbucks. These include digital accessories and games. Most people seem to redeem their digital currency for gift cards. These redemptions can start at 300 SBs for a $3 e-gift card from Amazon.com. Most gift cards are now about 500 SBs for a $5 e-gift card. Users can save up and get cards in higher denominations, but the cost is still about 100 SB per dollar.

Popular e-gift cards can buy merchandise at retailers like Walmart, Target, and Best Buy, as well as several popular restaurants that have included O’Charley’s, Chili’s, and TGI Fridays. Members also have the option to redeem their Swagbucks for PayPal credit. This is basically straight cash into your account. When looking at the effort required, signing up for Swagbucks is a great idea. Here are my top 5 ways to redeem on Swagbucks. It’s a great way to earn a few buck in your spare time.

You can find out how you can actually start to build wealth using Swagbucks in my eBook, which is free to read if you have a Kindle Unlimited subscription. It’s $2.99 otherwise.

Disclaimer: This post includes affiliate links. I obviously appreciate any support you choose to give. You can just go to Swagbucks and earn as much, but I appreciate if you decide to click on my link. 

Be sure to sign up for my mailing list or to follow me via Twitter if you’ve found this article beneficial.

January 2018 Online Earnings

How I Made Nearly $700 From Online Side Hustles in December 2017

December has come and gone, as has 2017. We’re now about a week into the new year, and it’s a good time to look back at how I earned money from my online side hustles during the past month.income from online side hustles December 2017

I started looking into ways to make money online a few years ago after the birth of my first child. My wife decided to be a stay-at-home mom, and I decided that I needed to bring home a little more bacon to make ends meet.

When I started grad school a couple of years later, the importance of supplementing my income online became even more clear. I was not able to finish up my time in grad school without any debt, and I’m working at paying it off with my online side hustles today.  I hate debt, and I’m pretty motivated to pay it down more quickly. This is where my side hustles come in handy.

This is really how I earn money in pajamas. I make this money without leaving the house. If I could theoretically build up my passive income from dividends and my income from online side hustles to a large enough level, it could theoretically allow my to work from home full-time. This is a long way away, however.

Why Track Income from My Online Side Hustles?

You might wonder why I track where my side hustle income comes from. I want to show that you can earn from online efforts. I also want to show that some of the income rolls my way pretty easily.

My hope is that my earnings are a motivation that can help you take control of your own personal finances. If I can do it, you can do at least some of it as well. Some of the freelance writing takes a bit more effort and skill, but much of my online side hustle income rolls in with some pretty mindless activity on my part.

For example, before I started writing this post, I earned a few cents by clicking through some activities on Swagbucks. These are pretty mindless, but they add a few cents toward my overall financial health. I would not earn them if I was like most people.

You should try to work in your spare time like this. It can help you build wealth over time. Teens as young as 13 can utilize some of the options that I’ve used over the past few years.

Where My Online Income Came From in December

You might be wondering where my online income came from in the month of December 2017. Here are the methods that I used to earn some income in my spare time during December (some of the links are affiliate links. I could be compensate if you sign up with my links). Please note that I had some carryover income from November that got paid in December. This made my December earnings higher and my November earnings ($155.06) a bit lower:

Freelance Writing: $549.45
Swagbucks: $85.00
Earnably: $1.00
EarnHoney: $20.50
GiftHulk: $5.00
Ibotta: $20.00 (Sign up with my link at get $10 after your first purchase with the app.)
Amazon: $2.10 Page views and sales of my eBook — you can read this for free if you have a Kindle Unlimited subscription

Total income from my online side hustles in December came in at a whopping $683.05. I’m pretty happy with that much money to say the least. If I can keep it up over the next year, my debt from grad school could theoretically be gone. Of course, I’m putting some of that money into an investment account to save for the future. Still, how would nearly $700 help your budget?

I hope that this shows that it can be done. Even with stuff that requires little thinking, I still would have added more than $100 to my income in December. That’s nothing to sneeze at, for sure. Keep in mind that the title of this blog is Earn Money In Pajamas. I made all of this income without leaving the house, with the exception of Ibotta, but this site pays me rebates for stuff I buy anyway.

Earnably

Can You Make Money Online?

Absolutely. Your ability to earn money online is limited by the time that you have available each week and the imagination that you might have to market some opportunities to others. Setting up your own blog can be a great way to share these opportunities that can help people out. You can also start to earn affiliate income of your own.

WordPress recommends BlueHost, which is one of the top options for self-hosted bloggers. I’ve started a blog with BlueHost, and it literally took 5 minutes after choosing a domain name. You can sign up for BlueHost by clicking the banner below if you’re interested in getting a self-hosted blog.

Remember, I started out making absolutely nothing online. I’ve now built up to where I’m making nearly $5,000 a year in my spare time. This can definitely grow over time.

Reviews Of Money-Making Sites

Here are a couple of reviews that might help you decide which sites might work for you:

Earn Cash and Rewards with Swagbucks
Swagbucks is my favorite site to use to earn money. If nothing else, you can make money from searching the web.

Earning Money In Pajamas With GiftHulk

My Ibotta App Review
I use this when I go shopping. Again, you can earn $10 for signing up with my link and getting your first rebate within a week. With cashouts starting at $20, you’d be more than halfway to redeeming for some PayPal cash!

How did you earn extra money online during December? Do you have any other options that worked? Let me know in the comments. I’d love to check them out!

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’ve passed 350 Twitter followers, and I appreciate any support you might choose to give.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link on the side of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide.

January 2018 Online Earnings

Passive Dividend Income–December 2017

passive dividend income

2017 has come and gone. It seems as though it just got here, but now it’s in the history books. I spent 2017 buying dividend-paying stocks to build up passive dividend income that can buy even more. My hope is that by the time I hit retirement in a couple of decades, I’ll have a nice stream of money coming in.

Dividend Income Is the Best Way to Earn Money in Pajamas

I’ve noted on here multiple times that passive income is the best income. It comes in whether I go to work or not. I’ve already put in the effort to get this stream of passive income rolling my way.

My process is simple. I find companies that pay out regular dividends to shareholders. Preferably, these dividends have grown over time. A growing dividend requires additional revenue and income, or else the growth will end.

These companies are frequently multinational corporations that make sales and profits all over the world. For example, I own a few shares of Johnson & Johnson. This company fits into the description above.

Other companies that I own make most, if not all, of their sales and profits from US business. I received a dividend from Southern Company (SO) in December. It operates in the Southeastern US. Both companies pay me because I own a small sliver of the company.

They have people who work for me. If the power goes out in a given region, Southern Company will have workers engaged 24/7 to fix the problem. Their customers, in turn, pay for the service on a monthly basis. Again, in turn, Southern Company returns some of this revenue to me on a quarterly basis. It’s a great system, and tends to be more stable than capital gains.

A New Passive Dividend Income Record

Back in November, I had a nice level of passive dividend income, nearly reaching $75. This bested the amount I earned from dividends in December of last year. I knew that I had some dividend income heading my way from some funds I hold pay out more in December than in the rest of the year combined.

I set a record in December. Here are the companies and funds that paid me in December:

Kroger Co. (KR)                                                                                    $6.25
Southern Company (SO)                                                              $17.40
Johnson & Johnson (JNJ)                                                               $8.40
Realty Income Corp. (O)                                                                  $5.30
Vanguard Total Stock Market Index ETF (VTI)                    $6.06

Total from Traditional IRA                                                        $43.41

JP Morgan Equity Income R5 (OIERX)                                 $14.14
Cohen and Steers Realty Shares (CSRSX)                          $54.11

Total from 401k                                                                              $68.25

Vanguard Institutional Index Fund (VINIX)                         $0.13

Total from 457 Plan                                                                       $0.13

Total Passive Dividend Income for December 2017:     $111.79

I set a new record in December with more than $111. This was my first month passing into three figures in passive dividend income. It’s pretty exciting to see to say the least. My hope is that the months with more than $100 in passive income will become ever more frequent in the months and years to come.

The snowball is definitely starting to roll. As it does, I’ll be able to buy more shares, which should build up the snowball over time.

My Year-Over-Year Comparison

This was a 67.45 percent increase over the same month in 2016. Also, it brings my passive dividend income for the entirety of 2017 up to $531.30, which was an increase of 120 percent in a year-over-year comparison.

My 12-month passive dividend income estimate for 2018 is now up to a little over $595, which is nearly $50 a month. This does not count the 401k income and the income that I might get from the 457 deferred compensation plan that I recently opened. These are harder to track.

The income from my IRA will allow me nearly 30 hours of freedom from work in 2018, which is a big increase from the 18 hours of freedom I estimated at the end of 2016. These numbers were basically $0 and 0 hours when I started attempting this process in 2015, so I’m showing some good growth.

How was your dividend income in December?

Keep Up With My Progess

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now over 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link at the bottom of this post!

Earnably
Disclaimer: This site has affiliate links. If you sign up with one of these affiliate links, I may earn compensation. I appreciate any support you might provide.

January 2018 Online Earnings

Is It Time To Take A Bite of Apple Stock?

The largest US company based upon current market cap is Apple (AAPL). Earlier in 2017, this metric hit $900 billion, and many pundits believe that the company’s market cap could hit $1 trillion in the near future.

Over the past several years, investors have been rewarded handsomely for their investments. From a split-adjusted close of $0.59 in January 2018 to the current price that’s over $170 a share, it’s hard to find many other companies that have been as beneficial to shareholders.

The company has split its shares three times since 2000, so a long-term investor in Apple stock would currently have 28 shares for each share that they owned in 2000. This is based upon 2-for-1 splits in 2000 and 2005 and a 7-for-1 split in 2014. If they had reinvested dividends, they’d have even more.

Apple Stock Pays Growing Dividends

In addition to these splits that have helped investors with liquidity over time, the company re-instituted a dividend in 2012 after having not paid shareholders since the mid-1990s. This quarterly dividend started out at $0.3786 per share ($2.65 in pre-split terms). It’s now $0.63 per quarter per share.

Not only does Apple pay a dividend, it’s grown every year since its latest inception. The annual raise has been in the range of 10 percent annually. Therefore, investors could expect to see their dividend payout double every seven years or so. Most people will not see this type of growth in the income they earn from their day jobs, so the growth in passive income is definitely something that’s beneficial.

Increased Revenue Led to Higher Income

Less than two years ago, many investors had concerns over Apple’s ability to maintain their recent run of good returns. The company’s stock dropped from more than $130 per share through much of 2015 to an intra-day low of less than $90 a share on a decline in sales and revenue. The stock dropped 14 percent in April 2016 alone. This provided a nice buying opportunity in hindsight.

Since that early 2016 low, the company’s share price has been on a tear, nearly doubling in price based upon its recent highs of more than $176 a share.

Thus far this year, the company has seen its revenue and net income rise quite a bit. The most recent annual report showed that Apple saw both its revenue and its net income grow over the past year. However, both numbers were still below its record year of 2015.

Apple Annual Report NumbersSource: Apple Annual Report

The numbers are quite impressive, to say the least. Net income was more than $48 billion in 2017, and it’s not been lower than $37 billion since 2013. To put it simply, Apple is a cash- and profit-generating machine. Net income has grown by nearly 31 percent since 2013, while the dividend has grown by 46.3 percent. Even at that, the dividend payout ratio was less than 26 during FY 2017. Therefore, the dividend growth has room to run.

In addition to rewarding shareholders with a nice rate of dividend growth, the company has bought back millions of shares. These buybacks tend to help the earnings per share immensely as long as revenue and profits stay stable. If net income goes up, as it has over the past five years, the earnings per share can really improve quite rapidly.

Apple Bought Back Lots of Shares

Overall, Apple has reduced its share count by right around 19 percent since 2013. This means that basically one in every five shares of Apple stock from 2013 are now off the market.

Apple’s balance sheet shows a stash of more than a quarter of a trillion dollars, nearly $269 billion, to be exact. Much of this is held overseas, and Apple will be able to repatriate these earnings at a rate of 15.5 percent as a result of the recent tax reform bill that President Trump signed into law in late December.

This development could definitely have an important affect on Apple shareholders. The cash that Apple holds on its books is more than the overall GDP of relatively developed nations like Chile, the Czech Republic, and Finland. It is quite likely that much of this money will flow toward shareholders under the guise of additional share buybacks and dividends increases. Apple could even pay a hefty special dividend if the company chose to do so.

When looking at valuations, Apple is more attractive than the market as a whole at this point. For much of the early part of 2016, Apple’s PE hovered around 10, where it had also been back in 2013. Today, it’s price is around 18.53 times earnings. This compares with a PE ratio of more than 25 for the S&P 500 (VOO).

Apple PE RatioSource: ycharts.com 

What About Repatriating Overseas Cash?

While there have been a couple of excellent buying opportunities in the past five years, the cash that Apple can repatriate is a big question mark, as it could buy out many shareholders and pay off for the ones who remain. Some analysts are expecting that the infusion of cash will lead to more and accelerated buybacks.

On the other hand, Apple just rolled out its latest cycle of upgraded hardware. Therefore, loyal customers will likely wait a while before upgrading their mobile devices, which could lead to a short-term drop in revenue, much like the one that caused the tech giant to take the hit from 2016 that was referenced above.

Overall, the massive cash flow, revenue, and profit that Apple brings in make it a very attractive holding. The possibility of repatriated cash make it even more intriguing. It is definitely on my watch list for the upcoming year. At some point, I would like to hold Apple stock in my dividend income portfolio.

January 2018 Online Earnings

Paying Off Debt With Online Earnings–Part 4

Paying off debt takes time. The more income that you bring in, the easier it goes. Most of us will have a job of some sort, but it will not always be enough to make meaningful progress. This is why I started looking for ways to come up with online earnings.

I’ve been making money every single month for more than six years. Some months, it’s a small trickle. In others, it’s a nice chunk of change. This online income has allowed me to keep afloat during grad school. It’s allowed me to get ahead some months. It also allows me to pay off my debt from grad school.

November was my lowest month in terms of online income for the year, but since my last update on paying off my online earnings, I’ve added $165 to the payoff. While it was a little less than I paid off in October, this is more than double the minimum payment, and it drops my total down below $7,800. I’ve paid off nearly $1,000 in less than six months, just from my online income.

I should be able to pay off even more before the January statement gets cut. My online income allow me to pay this off. Hopefully, I can get the debt paid off quickly.

Online Earnings Also Allow for Investments

I also put a few bucks here and there toward my IRA account during the statement period. While the $15 I saved might not seem like much, and it isn’t, it’s still something. If I can put something to the IRA each and every month, it will add to my dividend income and allow me to make more frequent purchases.

Paying off debt and putting month toward investments each and every month is a worthy goal, and if I can keep it up, I should be able to accomplish this goal within a relatively short period of time.

If you’re wondering about the methods I use to make money online, you can check out some of my previous online earnings reports, like this one from October. I’d love to hear from others who are using their side hustle income to pay off debt over time. Let me know in the comments.

Erasing Debt with Online Earnings
Erasing Debt with Online Earnings

Sign Up For Updates

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m now closing in on 350 followers, and I appreciate the support.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so.  Just click on the “Share This” link on the sidebar of this post! I appreciate any support that you might choose to provide.

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January 2018 Online Earnings

Dividend Increase Brings Me Close to a Major Milestone

I just got word earlier this week that one of the companies that I own announced a dividend increase. AT & T continued its recent pattern of increasing its dividend payout by a penny a quarter. While this might night sound like much, it will add to my stash over time.

I currently own 75 shares of the telecom giant, so this increase in my dividend increase will be a whopping $3 annually. This is not much. I might be able to buy a coffee at Starbucks if I actually drank the stuff.  It won’t buy me vanilla bean frap, but what it will do is add to my stash.

That $3 will either go to more shares of AT & T if they become cheaper again, it it will go to another company. The companies or funds that I own all pay out dividends. The money that they give me at this point all gets rolled into more shares that pay more dividends. It truly is a virtuous cycle that I hope will add to my retirement income. It may even help me retire a bit earlier than most folks.

My Dividend Increase Brings Up Passive Income

This dividend increase brings my estimated annual dividend increase within about $3 of passing the $600 mark. I’m now really, really close to having an average of $50 come in each and every month for doing pretty much nothing.

The $50 will not come in like clockwork, as some months I’ll get much less than $50. In others, I’ll get more. The average is $50, though. My hope is that within a couple of years, I’ll pass into the three-figure average per month. I’m still waiting on getting $100 in a single month, but that should roll around pretty soon.

The snowball is starting to roll, and I like it. 

A dividend increase is building my passive income snowball

I’m nowhere near currently funding my lifestyle with passive income, but it’s a start. Passive income really is the best form of income that there is. Every dollar that I can get passively is a dollar that I do not have to actually go out and earn from work. The more I get, the less reliant on hard work I am. If I continue to work, I’ll just have that much more to save and build up my passive income. Like I said above, it’s a virtuous cycle.

Just a little more than two years ago, my estimated dividend income was basically $0. I rolled over a 403b account into an IRA that I control and added more capital over time. So, it’s basically $0 to $50 in 2.5 years. The acceleration is a little slower than a sports car, but unlike a sports car, this actually brings money to me. Buying a sports car takes lots of money. There’s no question of which concept is better.

How is your passive income going? Let me know in the comments.

Reviews Of Money-Making Sites

If your budget is tight, you might wonder how you can get money to save. There are options. Here are a couple of reviews that might help you decide which sites might work for you:

Earn Cash and Rewards with Swagbucks
Swagbucks is my favorite site to use to earn money. If nothing else, you can make money from searching the web. I’ve made more than $2,100 from Swagbucks alone.

Earning Money In Pajamas With GiftHulk

My Ibotta App Review
I use this when I go shopping. You can earn $10 for signing up with my link and getting your first rebate within a week. With cashouts starting at $20, you’d be more than halfway to redeeming for some PayPal cash!

Keep Up With My Progress

If you’d like to follow my progress each month, be sure to go to the top of the page and sign up for updates. You can also follow me on Twitter.  I’m nearly up to 350 followers, and I appreciate any support you might choose to give.

Also, if you could share this latest update below via Twitter, Facebook, or any other social media platform, it would be much appreciated. I want to inspire others to improve their finances and show them some easy ways that they can do so. Just click on the “Share This” link at the bottom of this post!

Disclaimer: This site has affiliate links. If you decide to sign up with one of these affiliate links, I may be compensated. I appreciate any support you might provide. I’m long AT & T (T).