Credit Cards

Is CashCrate a Scam? I Got Paid by CashCrate

Many people wonder if the online site CashCrate is a scam in which users get absolutely no money whatsoever after spending tons of time. I personally spend very little time on the site, but I got paid. Here is a picture of an actual check:


My latest payment was actually over $32 for very little in the way of work. I do an occasional offer or survey and get paid. Some people who spend lots of time on the site make well over $200 each month. For stay-at-home moms or college students, this can be a big boost to income that can be done in very small chunks.

The first thing to do to make money with the site is to actually sign up with CashCrate. The site has one of the better referral programs on the web, and I’ve actually started to see a little bit trickle in via this method. I’ve read a couple of blogs that show proof that people have made well over $100,000 via this method.  banner

Credit Cards

HubPages Review

This month’s review is of the online writing platform HubPages. I have actually done quite a bit of work on this site over the past year or so. I’ve also earned a bit of money (some of it while sleeping–the definition of passive income) in the process.  This article will explain 1) what HubPages is, 2) how to write an article (Hub) on HubPages, 3) how to make money on the site, and 4) the benefits of the HubPages Apprenticeship program. 

What Is HubPages?

HubPages is a great site for aspiring writers to get their feet wet in the world of online writing. The barrier to entry is quite low, but those Hubs (webpages) that are poorly written or on a topic that is not of interest to anyone will not do well because it will get no traffic from the HubPages community or from Google and the other search engines.


It is easy to make an attractive webpage with no html or other coding experience, as the tools utilized by HubPages make it easy to set up a page by using a variety of modules. To avoid having a substandard hub, the site recommends that users post articles that are at least 500 words. It actually seems that articles of 1,500 words do best, but my best article has around 900 words (and over 6,000 page views).

Users can also insert pictures, videos, charts, maps, and polls that can help users interact even more. The site is a web 2.0 site, so it encourages interaction between both site users and visitors. There is a pretty active community that is quick to help in most instances.

How Do You Write a Hub?

The first thing that a person needs to do to write on HubPages is actually sign up on HubPages. After getting an account, it’s easy to start writing by clicking the link to “Start a New Hub” on the top right corner of the page. From there, users can go in and choose a title, set it within a set topic that will let HubPages users who are interested in the topic know that a new article is posted, and then move to the actual writing stage.

It is best to break up the actual Hub into several different modules for ease of reading. Also, it is good to use a variety of modules to make the Hub visually appealing. It is recommended that users place images in each Hub, preferably pictures taken personally.

How Do You Make Money on HubPages?

Making money on HubPages will probably not start immediately. Users will first have to get a Google AdSense account. While people used to be able to get one of these without any writing experience, now Google has clamped down a bit. It does seem that most people can get approved after writing a few articles, however.

HubPages splits revenue 60/40 with their users. 60 percent of all page impressions from a Hub sees the revenue go to the user. 40 percent goes to HubPages. Therefore, if Adsense is paying $0.10 per 1000 impressions, the user would likely get around $0.06 of that.

Do not rely only on AdSense, though. HubPages has their own ad program. Most users are able to do much better by using the HubPages ad program. I personally saw more money in one month after signing up for the ad program than I did in three months using only AdSense. The payout per impression is way higher with the ad program for most people.

Additionally, users can use modules that sell items from or eBay. Amazon users should first sign up for the Amazon Associates program so that they can get paid in this manner. Those who write product reviews will probably do better on selling Amazon products than someone writing on Jain philosophy or Aboriginal history. eBay pays out per click on their links. The amount varies based upon the product for sale. Users can use the Amazon modules without an AdSense account, while the eBay program requires signing up for Adsense.

Use the Apprenticeship Program to Maximize Earnings

One of the best ways to earn money on HubPages is through the Apprenticeship program. This program only takes people who have shown promise on the site or on their own blog or website. It actually goes through the process of what it takes to make a good hub by using keyword research and SEO methods. It also pays $6.09 per hub as long as the hub meets the requirements of the program.

The program lasts six months, and apprentices can get paid for up to 15 hubs per month, which is a payment of around $90. The minimum amount needed for payout is $50, so those who meet the minimum requirement of 8 hubs per month can get really close, even without much initial traffic. Additionally, the program allows graduates to continue getting the $6.09 bonus for six additional months as long as they write at least four hubs per month. Those who write the maximum each month will make around $1,000 in a year.

Additionally, some of those hubs will get page views. A few might even get quite a few page views. These views will earn money for the writer, so this program is a great way to make some money. As long as the site remains in business, the hubs will continue to make money for the author. Theoretically, an evergreen article (something that doesn’t need constant updating, yet remains relevant) will be able to make money 10 years into the future. This is a good example of passive income–the best kind of income.

Those who want to get started on this wonderful writing platform should sign up for HubPages today. Of course, earnings and success will vary. I will disclose that I will get a referral benefit should you choose to use my link (10% of the page impressions, which does not come out of your income). I thank you if you choose to do so.

Credit Cards

Earning Money in Pajamas–February Earnings

I continued in my goal of earning money in pajamas during the month of February. As I noted previously, it is important to set goals when trying to earn funds online. As noted in the previous article, I’ve set a goal of making $5,000 from my online activities during 2013.

Here is the latest earnings report for the month of February. Please note that I have also have additional money that I earned during the month that should come in at a later date. Again, I earned the most money from freelancing.

My earnings from freelancing came to $184.62 for the month.I also earned a total of $70.77 from HubPages.

The total for the month was $255.39.

When the earnings for January are added to this total, I have earned a total of $442.70. The money is starting to add up, and I’m trying to diversify my earning streams. Hopefully, I’ll be able to reach my overall goals. Do you have an earning goal for this year? How is it going? I’d be interested to know.

Credit Cards

Why Try to Make Money in Pajamas?

Most people want to make more money because they want to sock it away or consume it on trivialities that matter little in the long run. Food, clothing, shelter, and transportation are necessities in life, but much of the rest that we buy is superfluous to life. I would say that a computer is a near necessity because it is a great tool for making money. There are two important reasons why people should want to make money according to the Good Book. One of the two is frequently ignored in American society today.

If a Man Won’t Work, He Shouldn’t Eat

Growing up, I frequently heard Bible reading from 2 Thessalonians 3. This passage basically says that if a man won’t work, he should not eat. I see this verse spouted off on message boards and certain televisions stations to bash the poor and those on welfare. This verse is not meant to bash the poor. It is meant to bash the lazy. The two are not necessarily the same thing. Some people are poor because they are lazy. Others are simply poor because they don’t make enough in their work. These people should not be condemned by society, as they often are.

#1 Work to Provide for Yourself/Your Family

The same writer, Paul, wrote this passage in his earlier letter to the same people (I Thessalonians 4):

9Now concerning brotherly love you have no need for anyone to write to you, for you yourselves have been taught by God to love one another, 10for that indeed is what you are doing to all the brothers throughout Macedonia. But we urge you, brothers, to do this more and more, 11and to aspire to live quietly, and to mind your own affairs, and to work with your hands, as we instructed you, 12so that you may walk properly before outsiders and be dependent on no one. (ESV)

The first purpose of working hard and making money through a job or online endeavors is to provide. This wins respect and tends to keep those who work from being dependent. The Apostle did not stop at working just to get rich yourself. Jesus said a few things about those who trust in their wealth, and none of these sayings were positive.

#2 Work to Provide for the Needs of Others

Those who work are not just to work for their own benefit. Most people like to stop with the passages mentioned above. However, Paul, who wrote the two letters mentioned specifically above also wrote a letter to his converts in Ephesus. In this passage (Ephesians 4:28), he notes:

Let the thief no longer steal, but rather let him labor, doing honest work with his own hands, so that he may have something to share with anyone in need. (ESV)

From this passage, it is evident that those who are able to be successful should use some of their wealth for the benefit of others. There is no qualifier on who should get help, other than those who are in need. While this concept goes against much of what people think it means to be an American, it nonetheless needs to be pointed out.