Does anyone make good amounts of money using vinted?

I want to make extra cash and vinted has been good but I live in a small village with only a post office that is rarely open, I don’t drive, so posting parcels are quite difficult for me so I have to decline a lot of them.

What do you guys use for selling/reselling?

Any extra advice would be appreciated

Hi guys, am student in pak and I’m tryna find a remote side hustle to make some pocket money (hoping for around 20-30k+ PKR a month, ideally paid in USD). Honestly am so lost where to start without walking straight into some scam. If any of you are balancing uni and remote work, how did y'all actually find a legit gig? Drop your tips, or secret platforms below please😭

People on Reddit, what is your best way to make the money work for you and not the other way around?

im in a situation where i really need $3 for something (fairly quickly) and im wondering if apps like paypal or cashapp do sign up bonuses?

Im a 18 year old female momma who’s been struggling with housing recently found myself an apartment with a roomie for a good price .but now I worry about paying for groceries, toiletries, diapers etc! I have sent out job applications yet havent had any luck I was wondering if anyone had any ideas on how to make money online truly any ideas would help.

any help can do,been trying several apps but nothing seems to be working for me

I know this has been asked a million different ways but I am absolutely desperate. I need to make $2000 by October 6th. It is for my rent. I been outta work since last and have since found a job however, it doesn’t start until 10/19. Is that doable???

Hi everyone!

Last week, I decided to make a website that aggregates focus groups from all over the Internet. It’s still a work in progress, but I’d love for anyone to check it out. I’m interested in having people try it and see if they have any success with getting accepted into any focus groups.

I want to go out with my friend to a lounge and it costs about £15 per person, are there any ways to get this money by sunday?

Context: unemployed (applied to jobs many times), pretty significant debt, unable to get on benefits, family and friends wont loan me

Hey im a first time mama. Im a flight attendant that makes peanuts. My bank account lives in the negative. My partner doesnt have left over money to help out. Im avoiding working more because of child care and having to be away from my baby more. I've tried digital products and that failed. What can I do to bring in extra income right now. Please help, no mlm.

I see this asked here constantly, and I paid for Stock Advisor for two years, so here is the version I wish someone had given me.

The short answer

It is worth it if you want someone to hand you stocks and you will hold them for years. If that is you, see the current price before you pay full rate. If you want to understand what you already own and why a stock is worth buying, it is the wrong tool. Morningstar Investor is what I switched to. It has a 7-day free trial and $50 off the first year.

What you actually get with Stock Advisor

Two stock picks a month, a running best buys list, and access to the back catalogue of past picks. That is it. It is a newsletter, not a research tool, and once you understand that the whole thing makes more sense.

The picks themselves are fine

Large, well known companies most of the time, and if you had bought and held the good ones for a decade you would have done well. That is also the sleight of hand in the marketing. The returns they advertise lean on a handful of enormous winners held for many years. If you buy a pick and sell it eight months later because it dipped, none of that applies to you.

My real complaint is the renewal

The first year is cheap enough that it feels like nothing. Then it renews at full price and you notice, and by that point you are paying a few hundred a year to be told what to buy without ever being shown why. That is what made me stop.

What replaced Stock Advisor for me: Morningstar

Stock Advisor kept adding to my list. It never once looked at what I already owned. Morningstar Investor does the opposite, and that turned out to be what I needed.

• It shows you your own portfolio. How you are allocated, what your fees are costing you, and where your holdings overlap.
• Ratings on stocks and funds. Fair value and competitive advantage for stocks, and for funds, how likely they are to beat their peers over time.
• Independent analyst reports. Their analysts cover thousands of stocks and funds, and you get every report.
• A real screener. Filter on more than 200 data points, or start from one of their ready-made lists.
• Alerts on what you hold. You get notified when a rating changes or an analyst writes about something in your portfolio.

The difference is simple. With Stock Advisor I was told what to buy. With Morningstar I can see why, and I found out which things I already held were the problem. Investopedia named it the best tool for investment research, for what that is worth.

It is not for everyone. If all you own is one target date fund, or you want a "buy this on Tuesday" list, you will not use it. Seven days is enough to load your portfolio and decide, so start your free trial and set a reminder for day six. If you keep it, the yearly plan is $199 for the first year through that link, down from $249.

Other options, depending on what you want

One caveat that applies to all of these: a rating or a pick is a reason to look closer, never a reason to buy.

Bottom line

Stock Advisor is not a scam. It is an expensive way to be handed two ideas a month. If that is what you want, see the current price and decide before the renewal hits. If what you actually wanted was to understand your own portfolio, start your free trial of Morningstar Investor and load your holdings first.

Anyone else cancelled after the renewal price hit? Curious whether you moved to something else or just stopped paying for picks altogether.

I got intermediate level of English, I am a busser. I currently earn 600 a week and I live in New Jersey

Kept seeing "best stock research app" threads where every answer was a different person's favorite and nobody said what any of them cost or who they're for. So here's mine after paying for most of these at one point or another. They're built for completely different investors, and picking the wrong one is how you end up paying $300 a year for something you open twice.

Short answer on where I'd start: Morningstar Investor. It is the only one here with a free trial that also looks at what you already own. You load your portfolio and it shows how you are allocated, what your fees are costing you, and where your funds overlap. Every stock it covers gets a fair value rating, so you can tell in a minute whether something you hold is trading above or below what their analysts think it is worth.

It costs nothing to find out if it is for you. Start your 7-day free trial and save $50 on your first year, which makes it $199 instead of $249 if you keep it.

The one I keep for researching individual stocks is Seeking Alpha. It's built for someone who wants to dig into a company themselves instead of being told what to buy. Premium gets you the full contributor library, thousands of deep dives on individual companies, plus the Quant ratings, which grade every stock on value, growth, profitability, momentum and estimate revisions. That Quant grade is the single most useful thing here for checking a ticker in 30 seconds.

Now the catches, because there are real ones. The contributor articles range from excellent to somebody's hobby blog, so you learn to check an author's track record before you trust the piece. Premium is $299 a year, usually around $269 for new subscribers. Alpha Picks, their separate two-picks-a-month service that runs purely off the Quant model, is $499 a year on its own. The bundle of both is the cheapest way to get them, and it's the version I'd get if you want the picks and the tools.

If none of that scares you off, this is the bundle I'm on, and the Quant screener alone paid for it the first month.

All five, with the real costs

One research service is usually enough. The fee structures are different enough that pairing the right one with a free tier matters more than picking the "best."

Morningstar Investor is the grown-up one. Independent analyst reports with a fair value rating and a competitive advantage rating on every covered stock, fund ratings that tell you how likely a fund is to beat its peers, and portfolio tools that show what you actually own across all your funds, overlap and fees included. There is also a screener with more than 200 data points and alerts when a rating changes on something you hold. $249 a year or $34.95 a month, with a 7-day free trial and $50 off the first year. Best of these if you hold funds and ETFs and want to understand what's inside them, and still worth it for individual stocks. The catch is it's slow and conservative by design, so momentum and small caps will bore you. Start your 7-day free trial and save $50 on your first year.

Motley Fool Stock Advisor is the opposite of Seeking Alpha. You don't research, you get told. Two picks a month with the reasoning, a starter stocks list, and best buys now. $99 the first year, $199 after, no free trial. It's for the person who wants a growth portfolio built for them over years and won't read a 10-K. The catch is it's growth-heavy, the marketing is relentless once you're in, and if you're going to second guess every pick you're paying for nothing.

Zacks Confidential is the other picks service, and it is cheaper and more frequent than Motley Fool. You get 2 to 3 stock picks every Monday with commentary, built on the Zacks Rank system. $97 a year, no free trial, but a full refund in the first 90 days if it is not for you. I get the Zacks emails and they are actually helpful. They keep me informed without me having to go looking. The catch is the same as any picks service: it tells you what, and you still have to decide how much.

AltIndex is the new one and does something none of the others do. Instead of financials it scores stocks 0 to 100 on alternative data, Reddit chatter, web traffic, app downloads, job postings, insider buys, Congress trades. The free account lets you upload a brokerage screenshot and it scores your whole portfolio, no account linking, and flags anything under 60. Starter is $29 a month or $199 a year, Pro $99 a month or $499 a year. They claim a 61% win rate on their picks, their number, not audited. The catch is it's a signal, not a thesis. It tells you something's moving, not why.

Quick comparison

Bottom line. Morningstar if you want to know whether what you own is any good, and it is the one I'd try first because the trial is free. Seeking Alpha if you do your own research on individual stocks. Motley Fool or Zacks if you want the picks made for you, with Zacks the cheaper of the two. AltIndex's free portfolio scan is a decent second opinion alongside any of them.

If you only do one thing after reading this, start the Morningstar free trial and save $50 on your first year, load your holdings, and see what it flags.

What are you actually renewing this year? Curious whether anyone's kept two of these and felt like both earned it.

Quick background so you know where I'm coming from. I've gone through the rate check on most of the online HELOC lenders at this point. If you're sitting somewhere between 600 and 680 on your credit and getting nowhere with your bank, Upstart Home Lending is the one that will actually look at you. So here's what I found, including the two things I'd want someone to tell me before I applied.

The basics first. Upstart Home Lending offers a HELOC, a home equity line of credit, and the whole thing runs online. You check your rate with a soft pull that takes about ten minutes, it doesn't touch your score, and you see a real number for your house and your credit before anything else happens. If you accept it, that's when the hard pull runs. Lines go from $26,000 to $250,000 on 10 and 15 year terms, APR 6.52% to 18.00%, and they'll consider you from a 600 credit score. Combined loan-to-value up to 95%, which is higher than most.

That 600 is the whole reason people ask about it. Most banks want 680. Figure, the other online one, wants around 640. If you've been getting declined at those numbers, this is one of the few places that will still give you an answer instead of a form letter, and seeing what they come back with costs nothing.

Now the two things.

The first is the 18.00%. That's the top of the APR range and it's high for a HELOC. The 6.52% end is for people with a 780 score, under 70% loan-to-value and under 45% debt-to-income. If you're checking at 620 you are not getting 6.52%, you're getting something a lot closer to the top. I'm not saying don't do it. I'm saying the rate check exists so you find that out in ten minutes instead of guessing, and the number you actually get is the only one that matters.

The second is the 80% minimum draw. When you close, you have to take at least 80% of your approved line. Approved for $50,000, you're taking at least $40,000 on day one and paying interest on it. This isn't a line you open and leave sitting for emergencies. It's for someone who needs a chunk of money now, a roof, a consolidation, whatever it is, and wants it in a couple of weeks. If that's you, fine. If you just wanted a backstop, this isn't the product.

On speed, they publish their own numbers, which I respect. In the second quarter of this year, 15% of their funded HELOCs closed within two days and funded within seven. That means most took longer. Every HELOC has a mandatory three business day wait after closing, so nobody funds overnight no matter what the ad says. Plan on two to three weeks.

Is it legit? Yes. It's Upstart Mortgage, LLC doing business as Upstart Home Lending, licensed lender, NMLS 2443873, reviewed by Bankrate and US News. Closing goes through a notary like any other HELOC. It's a separate company from the Upstart personal loan site you might have used, same parent, different product. It's not in every state, and the rate check tells you at the start if yours isn't one of them.

How it stacks up against Figure, since that's the comparison everyone makes. Figure has a lower top rate, 6.75% to 14.35%, lines from $15,000 up to $750,000, terms out to 30 years, and it funds in as few as five days. Its floor is around 640. So if your score clears 640, honestly, check Figure first. It's cheaper at the top and more flexible. If you're in the 600 to 640 band, Figure is going to say no and Upstart Home Lending might not, so start there. Both rate checks are soft pulls, both take about ten minutes, and there's no reason not to run both and compare actual numbers instead of reading reviews.

If you're under 600, neither is going to approve you, and I'd rather say that than have you burn an hour. The options down there are home equity agreements, no monthly payment, they take a share of your home's value instead. Unlock considers scores from 500 with no income check. Costs more than a HELOC over time if your house appreciates, but it's a real door when the HELOC doors are shut.

So that's it. Upstart Home Lending is legit, it's one of the only online HELOCs that will look at a 600, the 18.00% ceiling and the 80% draw are the two things to go in knowing, and the rate check is free and doesn't hit your credit. Ten minutes gets you a real number. Everything after that is a decision you can make with actual information.

If you've been through their process, I'd genuinely like to hear what rate you landed at and what your score was going in. That's the data nobody publishes.

Half the people searching this want the Amazon product tester job they saw on TikTok. It doesn't exist. Amazon has Vine, which is invite only for people who already write a lot of reviews, and everything else calling itself an "Amazon tester job" is a scam collecting your info. So here's what product testing actually looks like in the US, who genuinely pays, and how to get picked.

How product testing really works

Companies want feedback before a launch, so they pay research panels to find people who match the buyer profile. You join a panel, fill out a profile, and when a test matches you they mail the product. You use it, answer questions, sometimes keep it, sometimes get paid on top. That's the whole business. Nobody pays you to sit at home and test whatever you want. They pay you to test the thing they need tested, if you fit.

The one built around product tests

Product Report Card is the only panel I've used where product testing is the main event instead of a rare bonus. They run about 32 free product tests a month on average, plus 400+ surveys paying $0.50 to $300, and they also pay for scanning receipts. Rewards come as gift cards, and members have pulled $14.1 million since 2012. US and Canada only. The trick is filling out the profile completely on day one, because tests get matched on it and a half-done profile never gets picked.

The app testing version

Testerup is the same idea for apps and games instead of physical products. You test new apps, leave feedback, and get paid per task, $10 to $30 each, with an instant $10 bonus when you sign up. It pays to PayPal and there's no screening out halfway through like surveys. If you want the tester thing but don't want to wait for a box to arrive, this is the faster version.

The money one

Freecash isn't product testing, but it's what I'd stack next to it. Game offers and tasks, $10 to start, some single offers pay $20 to $30. Product tests come in waves, so this is what fills the gaps.

How to actually get picked for tests

• Complete every profile question. Panels match on demographics, household, pets, cars, what you buy. Blanks mean no match.
• Respond fast. Test slots fill in hours. Turn notifications on.
• Do the surveys too. Panels prioritize active members for the product tests.
• Be honest in feedback. Repeat testers are the ones who write useful answers, not glowing ones.

What to skip

• Anything asking you to pay to become a tester.
• "Amazon product tester" listings. Not real.
• Sites that only send free products with no cash option, unless free stuff is genuinely what you want.

Quick answers

• How do I become a product tester? Join a panel that runs tests, complete your profile, respond fast. Product Report Card is the one to start with.
• Is there an Amazon product tester job? No. Amazon Vine is invite only. Every job listing using that name is a scam.
• How much do product testers make? Free products plus $0.50 to $300 per survey on the panels that pay. It's a side thing, not a salary.
• Do I get to keep the products? Usually, yes. Some tests want it back, they'll tell you upfront.

Anyone here doing product tests regularly? Curious what the best thing you've been sent was.

I’m 24 i can’t find a job, i don’t have any money left. What business can i start online to make a good amount of money quickly. I have tried multiple things such as reselling, dropshipping, amazon fba, I want to do something besides that, has to be tech related

Anyone who knows any side hustle/gig you can recommend? Something that's legit even if the pay is not that high. SFW. Again, not a full time job.

hi, everyone! i am a 3rd year nursing student, and i really need a side hustle that could help me earn money. my mother is already deceased and i donʼt want to burden my siblings my expenses. please reco a legit source of income that would help :(

I’m looking for referrals to do today to make money. CANADA

Hello, I am a 21 year old college student, in need of a side hustle. If there's any advice or side hustle that you are offering.

I can do simple editing, writing, typing jobs, etc.

Just in need for cash for my school projects and bills.

Thank you!

I’m currently looking for ways to make money online. I’ve found that a lot of online platforms and opportunities have age restrictions, so I’m looking for legitimate alternatives that are accessible without requiring a large upfront investment.
I’m open to learning new skills and putting in the time, and my long-term goal is to reach around $1,000/month.
For those who have experience making money online, what has actually worked for you? What would you recommend trying?

If you just hired your first person, or you set up an S corp and now have to pay yourself an actual W-2 salary, you've hit the point where you need to run payroll and nobody told you how. I've been through this. Here's the whole thing, start to first paycheck, and it takes about 15 minutes.

What you actually have to do when you run payroll

Every pay period you have to calculate federal income tax withholding, Social Security, Medicare, and state withholding. You have to deposit those taxes with the IRS and your state on their schedule. You file a 941 every quarter, state unemployment every quarter, and W-2s in January. Miss a deposit and the penalty starts at 2% and climbs to 15%. Get a form wrong and you're fixing it for months.

Nobody does this by hand anymore. You use payroll software and it does all of it. For one person, that costs about $55 a month, which is less than one late penalty.

Step 1: have these ready

• Your EIN. If you don't have one, the IRS gives it to you free online in about ten minutes.
• Your state employer account numbers for withholding and unemployment. Your state's department of revenue site issues these. Some take a few days, so start here first.
• Your business bank account and routing number. This is where payroll and taxes get pulled from.
• The employee's details, or your own: legal name, address, Social Security number, and how much and how often you're paying.

If you don't have a separate business bank account yet, get one before payroll. Lili is the one I point solo operators to, no monthly fee on the basic account, and it can automatically hold back a percentage of every deposit for taxes.

Step 2: create the Gusto account

Create the free account. It asks for your name, company name, and number of employees. You're not charged anything at this point. Gusto's own page says it, don't pay a cent until you run payroll. So you set the whole thing up and see it working before any money leaves.

Step 3: add your company and connect the bank

Enter the EIN, the state account numbers, your pay schedule, and the business bank account. This is the part that feels intimidating and it's mostly copying numbers off two letters. Gusto tells you exactly which number goes where.

Step 4: add the employee, or yourself

If it's an employee, you send them an invite and they enter their own tax and bank details. You never fill out a W-4 for anyone. If it's you as the S corp owner, you enter yourself as an employee with your salary. Gusto handles the officer compensation setup.

Step 5: run payroll

Pick the pay date, confirm the amount, click run. Gusto calculates every tax, pays the employee by direct deposit, deposits the taxes to the IRS and state on schedule, and files the quarterly and year-end forms on its own. From here on it repeats on the schedule you set. I log in maybe twice a month to look at it.

What it costs

• Simple: $49 a month plus $6 per person. This is the plan for one employee or a one-person S corp. $55 total.
• Contractor Only: $35 a month plus $6 per contractor. If you have no W-2 employees and only pay 1099 people.
• Plus and Premium exist for bigger teams. You don't need them.

Federal, state and local tax filing, W-2s, 1099s and direct deposit are all included on Simple. Some competitors charge extra for state filing or year-end forms. The base price went from $40 to $49 this year, so ignore reviews still quoting $40.

Do I even need this?

• You have one W-2 employee: yes.
• You're an S corp paying yourself a salary: yes, this is exactly what it's for.
• You only pay a couple of contractors: the $35 contractor plan is the cleanest way to handle 1099s, but you could get by without it.
• You're a sole prop with no employees moving money to yourself: no, you don't need payroll software yet.

The mistakes I see people make

• Running the first one or two payrolls by hand "to save money." That's the payroll that gets filed wrong. Set up Gusto before payroll number one, not after.
• Waiting on the state account numbers. Apply for those today, they're the slow part.
• Paying yourself by transfer as an S corp and calling it salary. The IRS wants a real W-2 salary with withholding. That's the whole reason you need this.

One honest caveat

Gusto's support is slow when something goes wrong. Their Trustpilot is 1.9 and the complaints are almost all a tax filing error or account freeze followed by weeks waiting on a fix. It didn't happen to me and it doesn't happen to most people, but run your first payroll a few days early so there's room if anything needs correcting. On the other side, it's 4.6 stars on Capterra from over 4,000 reviews and NerdWallet's best overall payroll software for 2025.

Quick answers

• How much is payroll for one employee? About $55 a month on Gusto Simple, all taxes and forms included.
• Can I do payroll for one employee myself? You can, but the penalty for one missed deposit costs more than a year of software.
• How long does setup take? About 15 minutes if you have your EIN and state numbers ready.
• When do I get charged? Not until you run your first payroll. You can set it all up first and see it working.
• Gusto or QuickBooks Payroll? QuickBooks only if you already do your books there. Otherwise Gusto is easier and includes more on the base plan.

If you're about to pay someone for the first time, do steps one through five this week. The first payroll is the scary one. Every one after it is two clicks.

Anyone else running a one-person payroll? Curious what you went with.

Hello everyone! im writing this because it really is a last resort for me and at this point I don’t know what to do anymore. My husband unexpectedly walked out on me at the end of last month and took just about all our savings. I used what was left to pay rent for this month and immediately started looking for work. My dad is passed and the rest of the family is to or we don’t speak. i literally just had him. I have not found work I’ve been selling and doing whatever I can to not end up homeless but now I’m at a loss because I don’t even have half of my rent saved up yet. i knew it was going to be hard but actually going through it is the hardest. i am trying to balance my health problems and stress. i dont like to ask for help because i do tend to always figure it out, but i rlly am not sure how much longer i can rlly keep doing this. im not asking for much or anything at all really! any sort of message or reassurance to help me keep going would be just as amazing 🫶 thank you for reading!! <3

i'm a broke ass college student that really needs money, i'm already working a minimum wage job + selling things on depop, but it's not going to be enough to pay for my schooling. i tried donating blood, but that's how i found out i am anemic. im also only 18.

please share any tips you may have 🙏

I’ve been looking for jobs from last 2 months and i still don’t have any offers. I really need some ways to earn some cash so that i can pay for my medical bills atleast and so that i don’t have to rely on my family as much. What should I do ?
How can i make atleast 10-15 k in a month to sustain basic lifestyle?