Why a Stock Market Correction Isn’t That Scary (and Can Even Be Good News!)

The stock market has been a fickle beast lately with a lot of ups and downs. The downs, however, have more than a few people freaking out. Monday’s 1,175-point drop in the Dow Jones industrial average was the largest point drop in history.

Now the talking heads are telling us we’re in a stock market correction.

Great. But what does that mean?

What’s a Stock Market Correction?

A stock market correction is basically a dip of 10% or more in the stock market from recent highs.

On Jan. 26, 2018, the Dow hit an all-time high of 26,616. On Feb. 8, it closed at 23,860, officially making it a correction period. The Dow Jones industrial average, Nasdaq composite and S&P 500 have all fallen 10% this week.

If the market reaches a 20% decline for at least two months, then we have a bear market. While a correction can be a short-term blip on the market radar, a bear market has a longer-term impact. We’d like to avoid that.

What Causes a Correction?

Oddly enough, a stock market correction can be a sign of a healthy economy. As the economy surges, it is expected that inflation will follow. The federal government combats inflation by raising interest rates.

When interest rates go up, it’s harder to borrow money. It’s also harder for businesses to make money. That means people lose faith and begin selling stocks. When people sell stocks, the market drops.

Is This a Recession?

Nope. While a market correction can be a sign of an upcoming recession, it’s by no means a sure thing. In fact, the S&P 500 has hit correction levels 36 times since 1950 — that’s nearly one every two years.

While the market is always unpredictable, our healthy economy suggests this could be a short-lived event. Cross your fingers, just in case.

What Should You Do During This Market Correction?

Make a pitcher of margaritas, sit back and relax. If you’re worried about your long-term investments, you shouldn’t be. Try to keep it all in perspective. When President Barack Obama took office in 2009, the Dow Jones was at 7,949. Today, it’s approximately 200% higher.

Warren Buffett, who’s rumored to know a thing or two about investing, says tough times are great for investors. “During such scary periods, you should never forget two things: First, widespread fear is your friend as an investor, because it serves up bargain purchases. Second, personal fear is your enemy,” he wrote last year in a letter to Birkshire Hathaway investors.

Why is widespread fear your friend? Because when the nervous Nellies begin to sell, stock prices fall. It’s basically putting the stock market on sale. What do savvy shoppers do? They buy things when they go on sale. A dip in the stock market is an opportunity for those who want to get in or build on their portfolios.

If you’re not looking to buy like Warren Buffett, just chill out with that pitcher of margaritas like his faux cousin, Jimmy Buffett.

This article contains general information and explains options you may have, but it is not intended to be investment advice or a personal recommendation. We can’t personalize articles for our readers, so your situation may vary from the one discussed here. Please seek a licensed professional for tax advice, legal advice, financial planning advice or investment advice.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He lives by the mantra “WWJBD” or “What Would Jimmy Buffett Do?” Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Pearson Is Hiring People to Work From Home and Type the Things Kids Say

Kids say the darndest things.

And if you love listening to those things, this job might be for you.

In this part-time job with educational service provider Pearson, you’ll get paid to transcribe responses from students in grades 2 through 12.

If you’ve ever tried to follow the train of thought and malapropisms of a second-grader, you know this job requires not only a meticulous attention to detail but also some patience.

Linguistics and/or language education is one of the prerequisites for this temporary gig, because like any good education system, there is a test (for transcription and writing).

You also must be available to work a minimum of 20 hours per week with the option to work up to 40.

Not the job for you? No worries, there are plenty of other gigs on our Facebook Jobs page. We post new opportunities there all the time.

Work-From-Home Transcriber at Pearson

Pay: $15/hour

Responsibilities include:

  • Transcribing students’ audio responses verbatim, using specific transcription notation

Applicants for this position must have:

  • A bachelor’s degree
  • Ability to type 55 words per minute
  • Previous transcription experience
  • Knowledge of Spanish
  • English or ESL teaching experience
  • Earphones/headset
  • A computer (PC or Mac) with one of the following internet browsers: Safari, Internet Explorer or Firefox ESR (the non-64 bit version)

Benefits include:

  • Paid training

Apply here for the work-from-home transcription job at Pearson.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder. As a toddler, her daughter once announced Princess Tiana was cooking Dumbo. (She meant gumbo.)

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

These Are the Best Days to Buy Your Sweetie Wine and Chocolates for V-Day

When is Valentine’s Day?

That’s a question I find myself asking every year. I’m not a bad husband. It’s just my wife’s birthday falls on Feb. 12 (Our favorite president’s B-day!), so we tend to lump the two holidays together.

The answer is actually Feb. 14.

But here’s an even better question: When’s the best time to stock up on chocolate and wine for your significant other?

To answer that question, we tapped into data from Ibotta, a cash-back app.

But we went one step further and came up with answers for deeper inquiries, too. Like, which state buys the most chocolate before Valentine’s Day? And what are the most popular treats this time of year?

Maybe the most pressing question: How can I save the most money around this time of year?

For that, simply downloading Ibotta and using it when you shop for your sweetie is the answer. For example, right now you can snag $2 back if you buy Ben & Jerry’s Pint Slices and a pint of B&J’s ice cream. Sweet!

For all the other answers, here’s a visual guide to questions you’ve probably asked about buying stuff around Valentine’s Day.

Valentines Day By The Numbers

Kristy Gaunt / The Penny Hoarder

Alex Mahadevan is a data journalist at The Penny Hoarder.

Kristy Gaunt is an illustrative designer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

What Should You Accomplish Before Having Kids? Here’s What Millennials Say

There’s never a perfect time to have a baby.

You may want to have kids someday, but I bet there’s a thing or two you want to do before your life gets consumed by raising a tiny human.

Do you want to travel more?

Buy a house?

Stack money in a savings account?

Discover surveyed 1,000 millennials to find out their priorities before having a baby.

Making and saving more money were major concerns. The respondents said they wanted to have a salary of at least $84,000 and have at least $78,000 in savings.

However, less than 10% of respondents had salaries that high, and no more than 5% had that ideal amount of money in their savings.

Over 80% wanted to get married and buy a house before adding a little one to their families.

Even pets weighed on the decision to have kids, as 67% of men and 71% of women wanted to get a dog first.

Traveling and earning advanced degrees were also among the top priorities before having children. More than half of those surveyed said they wanted to travel across the country and around the world. They wanted to visit at least five states and at least two countries they hadn’t been to before.

Thirty-six percent of men and 46% of women said they wanted to get a master’s degree or higher before having a baby.

Needless to say, many of those surveyed didn’t think they were ready for parenthood. But instead of forgoing having kids altogether, they just thought it would take a little time.

Respondents said the ideal time to have a kid was between 2.6 and 7 years from that time.

Though no time may be perfect, some additional preparation and the opportunity to reach a few goals may put some would-be parents in better standing to start expanding their families.

Nicole Dow is a staff writer at The Penny Hoarder. She enjoys writing about parenthood and money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Sweetheart of a Deal: CVS Offers Free Heart-Health Screenings in February

Here’s a fun fact. Our hearts beat about 2.5 billion times over the course of our lives, according to Harvard Medical School.

That’s a lot of work from such a small organ, so how about giving it a little love?

Just drop in to any CVS Pharmacy MinuteClinic on February 7, 14, 21 or 28 for a free heart-health preventative screening to see how your ticker is doing.

You don’t need an appointment to get screened, and you can view wait times on the MinuteClinic website or app.

You will need to fast before your visit to get accurate results.

During the visit, you’ll find out your:

  • Total cholesterol
  • HDL cholesterol (the good kind)
  • Blood pressure
  • Blood sugar
  • Body mass index (BMI)

The results provide insight on your overall heart health and your risk of cardiovascular disease, the American Heart Association says.

“These screenings are especially important this year following the recent launch of new blood-pressure guidelines from the American Heart Association to improve blood-pressure control and reduce the risk of cardiovascular disease,” said Angela Patterson, chief nurse practitioner officer at MinuteClinic.

CVS Health is offering these free screenings to support the American Heart Association’s Go Red For Women movement.

The Go Red campaign aims to raise awareness of heart disease in women, but a CVS representative assured me that free screenings at MinuteClinics are available to people of any gender.

There are over 1,100 MinuteClinics across the country and they’re open seven days a week, including evenings.

If there’s a location near you, there’s really no reason not to stop in on any Wednesday this month for a free screening that can help keep little issues from turning into big ones.

Lisa McGreevy is a staff writer at The Penny Hoarder. She loves telling readers about affordable ways to stay healthy, so look her up on Twitter (@lisah) if you’ve got a tip to share.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Here’s One Inexpensive Way to Avoid Getting Sick (Hint: It Involves Soap)

Are you reading this article on your mobile phone? There are probably thousands of germs on its screen right now.

And you’re no better off using a computer to read this. Your keyboard and mouse are likely swarming with bacteria, too.

I’m not trying to gross you out, I swear.

I just want to remind you that flu season is particularly wretched this year, and the virus could be lurking on items we handle all day.

Besides being no fun, getting sick is really expensive, so it’s important to avoid accidentally picking up germs as you go about your day.

But germs don’t just hitch rides on phones and computers. They congregate on all kinds of places, including car keys, shopping cart handles and even bars of soap.

Catching the flu is awful, but even a common cold can knock you out for a few days; so for heaven’s sake, wash your hands.

According to the Centers for Disease Control and Prevention, handwashing with soap:

  • Lowers respiratory illnesses in the general population 16 to 21%
  • Reduces diarrheal illness in people with weakened immune systems by 58%
  • Reduces diarrheal illness in the general population by 31%

The CDC recommends washing your hands before eating; after using the bathroom, sneezing, coughing, blowing your nose or touching a sick person; and before and after preparing food or treating a wound.

Unfortunately, we can’t rely on everyone we meet to wash their hands well — or even at all.

A new survey by Bradley Corporation revealed “just two-thirds of respondents say they ‘always’ wash their hands after using a public restroom. Moreover, 38% report they ‘frequently’ see others leave a public restroom without washing.”

Ewwww.

When it comes to staying healthy, we need to take matters into our own hands, if you will.

The CDC recommends washing your hands with warm or cold running water and soap for at least 20 seconds. Rinse, then dry your hands with a clean paper towel or simply let them air dry.

If you don’t have access to soap and water, hand sanitizer will do in a pinch. “[B]ut sanitizers do not eliminate all types of germs and might not remove harmful chemicals,” notes the CDC.

Useful Alternatives to Handshake Greetings

Now that I’ve told you there are people out there who don’t wash their hands after using the bathroom, you may be reluctant to shake hands with people when you greet them.

I don’t blame you.

In fact, 45% of Bradley survey respondents say they avoid shaking hands with people altogether.

Instead they wave hello, fist bump or air kiss.

Personally, I’m a fan of the elbow bump.

It may look silly but I can’t remember the last time I caught a bug by licking my elbow.

Lisa McGreevy is a staff writer at The Penny Hoarder. She can’t really lick her elbow.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Reserve a Romantic Table For Two and Still Make Rent this Valentine’s Day

I’ve been called a “cheap date” on more than one occasion, but I’ve never taken offense to this comment. I’m quite proud of the fact I can get a nice little buzz from just a few sips of wine. Plus, I’m considerate enough to not want someone to spend a huge wad of cash on food, no matter what day it is.

Unfortunately, not everyone is a cheap date, nor do they care about saving anyone’s hard-earned money for something better. As a matter of fact, consumers in the US alone spend billions of dollars on Valentine’s Day each year. That’s quite a hit considering some are still recovering from holiday spending, while others are still waiting for that highly anticipated tax return.

According to Bankrate’s 2017 Valentine’s Index, the average cost of fine dining for two on  Valentine’s Day is around $96. That might not sound too bad, but it’s just a national average and nothing compared to the nearly $300 average in Los Angeles, and the more than $300 average in New york City and San Francisco, according to a 2015 Huffington Post survey.

Um, what?

If my Valentine were to insist on spending that much to feed me, that meal better be enough to feed me for an entire month — or two. Better yet, put that money toward a mini vacation or my student loans so I can skip a payment and buy myself something nice for a change.

Valentine’s Day dinner doesn’t have to be all about a tiny amount of fancy-schmancy, hard-to-pronounce food artistically arranged in the center of a plate and topped with a car-payment price tag –– unless you really want it to be.

But we’re Penny Hoarders, so we seek the best deal, of course. And really, Valentine’s Day should be about spending time with loved ones, no matter where that may be.

Nonetheless, going all out for Valentine’s Day remains a big deal. So, if you plan to celebrate the big day but don’t want to spend the big money, read on for some cheap Valentine’s Day dinner ideas that won’t break your heart bank.

Have a Valentine’s Day Meal Without Going Broke

True story: I’ve never been taken out to dinner on Valentine’s Day, so I’d feel super special if I were treated to any of the V-Day dinners on this list.

If you want to go out to celebrate your love this Valentine’s Day and still have enough money to make your rent payment, check out these cheap places to enjoy your Valentine’s Day dinner.

White Castle

Is White Castle the “Love Castle”? Apparently, it is.

This fast-food chain is accepting Valentine’s Day dinner reservations. Yes, you read that correctly: Valentine’s Day reservations… at White Castle.

As a matter of fact, 2018 marks the 27th anniversary of the chain’s annual Valentine’s Day celebration. Yup, couples have celebrated V-Day at White Castle for 27 years. Some have even exchanged vows at White Castle’s Valentine’s Day dinner. Sounds like a nice day for a white (castle) wedding.

If you decide to take your valentine to White Castle this year, you can expect hostess seating, tableside service, romantic decor –– even the little burger boxes are decked out for the special day –– and any of your menu favorites at regular prices. Rumor has it, you can also BYOB, as in “bring your own bubbly.”

Space fills up quickly –– even three weeks in advance –– so If you’re interested in seeing what this White Castle tradition is all about, make a reservation at your local White Castle for Wednesday, Feb. 14, between 4 and 9 p.m.

Waffle House

People eat a Valentine's Day dinner at Waffle House.

Photo courtesy of Nadine Gillespie/Waffle House, Inc.

Wait, Waffle House isn’t just a place to go at 2 a.m. after you’ve had a little too much to drink?

This super-cheap, 24-hour American diner chain, which is best known for its around-the-clock breakfast and waffle menu, also goes all out for Valentine’s Day. And although White Castle has been in the V-Day dinner game much longer, the Waffle House Valentine’s Day celebration is entering its 11th year.

If you can’t quite picture what Valentine’s Day is like at a Waffle House and want to scope it out before considering making a reservation, no worries –– one Extra Crispy reporter checked it out for you.

Pricing and dinner menus may vary by location. I did, however, get the inside scoop from the Waffle House in St. Pete Beach, Florida. Its dinner includes two entrees, an appetizer and dessert for two for just $25. That’s about a quarter of the average cost of Valentine’s Day dinner for two.

Like White Castle’s annual Valentine’s Day dinner, reservations for the Waffle House Valentine’s Day celebration fill up fast, so be sure to call your participating location to reserve your table before the rest of the Penny Hoarders beat you to it!

Shoney’s

Here’s another that costs about a quarter of the average cost for Valentine’s Day dinner for two.

The Valentine’s Day dinner special at Shoney’s takes place from 4 p.m. to close. Guests can choose two entrees from a special menu and a piece of Shoney’s famous hot-fudge cake to share. Shoney’s advertises this deal for $24.99, but it also says prices may vary by location.

This special is available only at participating locations, so be sure to call ahead.

Qdoba

A photo of a Qdoba burrito that a person can get free on Valentine's Day if they buy another entree.

Photo courtesy of QDOBA

Qdoba doesn’t get quite as fancy for Valentine’s Day, but if your Valentine loves Mexican cuisine –– and free food –– then make this joint part of your V-Day plans.

First, I must mention that the best part about this deal is you don’t even need a valentine –– a friend, family member or even a stranger in line can help you score some free food. All you have to do is order an entree and share a kiss at the register to receive your choice of a burrito, bowl, quesadilla, loaded tortilla soup or the smokey habanero BBQ brisket for free.

All Qdoba locations participate in this Valentine’s Day tradition –– and you don’t need a reservation.

Chick-fil-A

Some Chick-fil-A locations go all out for Valentine’s Day, too.

From heart-shaped biscuits and chicken nugget trays to reservations for tableside service and candlelight, you just might be able to celebrate V-Day at your local Chick-fil-A.
Now, this is all based on past years’ events and it may be location specific. If you have your heart set on spending your V-Day at Chick-fil-A, then be sure to call your nearest locations first so you don’t show up only to be disappointed –– kinda like showing up on a Sunday, amiright?

Valentine’s Day for the Whole Family

If you can’t find a babysitter for the kids or you want them to be part of the celebration, here are some Valentine’s Day dinner options for the whole family.

McAlister’s Deli

This fast-casual restaurant chain will offer two free kids’ meals with the purchase of an adult entree. From unique club sandwiches piled high between three slices of bread for the adults to classics like grilled cheese and PB&J for the kids, you have plenty of options for a cheap Valentine’s Day meal for the whole family.

This deal is for dine-in and only at participating locations, so be sure to call your nearest location to make sure the deal is on before rounding up the family.

Auntie Anne’s

Auntie Anne's will serve heart-shaped Original and Cinnamon Sugar pretzels on Valentine's Day.

Photo courtesy of Auntie Anne’s

If you can get rid of the kids but can’t do so until later in the evening, go kill some time at the local mall and stop by Auntie Anne’s. This soft-pretzel franchise will serve heart-shaped Original and Cinnamon Sugar pretzels.

To make things even sweeter, My Pretzel Perks members can get two heart-shaped pretzels for the price of one. If you’re not a member yet, don’t worry. Just sign up by noon on Feb. 13 to get in on this sweet BOGO.

For Those Who Want to Just Stay In and Eat Pizza

A freshly made pizza cut in a heart shape.

karandaev/Getty Images

When the moon hits your eye like a heart-shaped pizza pie, that’s… Valentines Day.

If you plan to celebrate the day of love but would rather enjoy the evening on your couch with a little Netflix, a little chill and a not-so-little something to eat, then you’re sure to find a place delivering a heart in a box –– a heart-shaped pizza in a box, that is.

Pizza Hut and Papa John’s are known for offering heart-shaped pies on Valentine’s Day, but one is usually more expensive than the other –– can you guess which?

Pizza Hut’s heart-shaped pizza is about the size of a medium pizza and, in previous years, has cost around $10.

Papa John’s will offer the same thing but with a thin crust. This version costs about $1 more than Pizza Hut’s.

Now, if you love your Valentine but don’t love the same pizza toppings or sharing, then you may want to opt for the higher-priced heart-shaped pizza from Valentino’s because, well, you get two pizzas instead of one.

And if you want to cook for your valentine, but not really, then head on over to your local Papa Murphy’s. The shop makes the pizza, then you take it home and pop it in the oven. “Cooking” for your Valentine, now that’s amore!

For Those Who Oppose Valentine’s Day

Whether you hate Valentine’s Day every year or just when you’re single, here are some ways you can celebrate your anti-love for this day.

Get Face Deep in Wings at Hooters

If you’re working on mending a broken heart, then Hooters just might be the place to be this Valentine’s Day. Not only can you “shred” the person who broke your heart, but you’ll get free food out of it too.

Hooters offers two ways to “shred ’em and forget ’em.” You can either bring a photo of your ex to shred at your local Hooters or shred your ex online. Either way, you’ll score yourself buy one, get one 10-piece boneless wings –– and some liberation.

Join the Love Bashing at an Anti-Valentine’s Day Party

Two friends drink beer at a party.

franckreporter/Getty Images

As of this writing, Hooters is the only national restaurant chain I could find that doesn’t make the day all about love, but many local restaurants get in on the hating game. You just have to look for them.

Anti-Valentine’s Day parties have become quite popular over the years, so there’s a very good chance you’ll find one near you.

You can search Facebook events for terms like “anti-Valentine’s Day” and “I hate Valentine’s Day” to see if anything comes up in your area. You can even do a Google search for “anti-Valentine’s Day events near me,” and you just might find a roundup of parties and other events in your area.

You can also try searching Eventbrite for anti-Valentine’s day events in your area. For example, the New York City Social Group has hosted the “largest Anti-Valentine Party in NYC” for the last 15 years! So, if you’re single, live in or close to NYC and can spare $20 (plus a little extra for drinks), you can join in on this rooftop dance party, which includes free chocolates and appetizers, drink specials, prizes, and giveaways. This sounds like so much fun it almost makes me wish I were single (and living in NYC).

Jessica Gray is an editorial assistant at The Penny Hoarder. She’s still working on convincing her valentine to take her to Waffle House for Valentine’s Day, but only because the nearest White Castle is 851.8 miles away.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

DIY Addicts, Pause HGTV and Check Out These Writing Gigs for The Spruce

If you love all things home related, like finding awesome recipes, picking out the perfect kitchen backsplash and tackling new DIY projects, then we’ve got some awesome work-from-home jobs for you.

The Spruce, a Dotdash brand, is a website totally devoted to giving its readers the best tips and inspiration on how to have the best home. Who doesn’t love some good anti-clutter tips, am I right?

The Spruce is looking for several freelance writers and photographers to contribute content to a wide variety of categories on its site, including home decor, food and pets.

Freelance contributors will be given article assignments and will have the opportunity to get a longer-term contract.

But if you don’t like writing or photography, no worries. You can check out our jobs page on Facebook — we’re always posting cool work-from-home opportunities.

Freelance Writing and Photography Positions at The Spruce

Pay: Per assignment, not specified

Pets Writer

As a pets content contributor for The Spruce, you would be responsible for creating list-style articles on general pet topics such as veterinary medicine, behavioral training and breed profiles.

Applicants for this position should have:

  • Strong article layout and headline writing skills
  • The ability to write for a broad audience in a casual voice
  • Previous experience writing for a blog, magazine or media outlet highly preferred

Note: Veterinarians and other related professionals are preferred.

Apply here for the freelance pet writer position.

Home Renovations Writer

A home renovations writer will be responsible for creating lists, step-by-step tutorials and how-to articles on topics such as electrics, plumbing and general DIY.

Applicants for this position should have:

  • Strong headline writing skills
  • An understanding of SEO
  • The ability to write for a broad audience in a casual voice
  • Photography skills highly preferred
  • Previous experience writing for a blog, magazine or media outlet highly preferred

Note: Being a professional in plumber, carpenter or electrician is preferred.

Apply here for the freelance home renovations writer position.

Home Decor Writer

Home decor writers for The Spruce will contribute slideshows, listicles and step-by-step tutorials. Some examples of topics include budget decorating, kitchen design, and small space living tips.

Applicants for this position should have:

  • Knowledge of current design trends
  • Strong headline writing skills
  • An understanding of SEO
  • The ability to write for a broad audience in a casual voice
  • The ability to source photos for articles
  • Previous experience writing for a blog, magazine or media outlet highly preferred

Apply here for the freelance home decor writer position.

Gardening Writer

Gardening and landscaping contributors will create listicles, roundups, plant profiles, and how-to articles about house plants, herbs, trees and general gardening topics.

Applicants for this position should have:

  • Strong headline writing skills
  • An understanding of SEO
  • The ability to write for a broad audience in a casual voice
  • The ability to source photos for articles
  • Photography skills preferred
  • Previous experience writing for a blog, magazine or media outlet highly preferred

Apply here for the freelance gardening writer position.

Food Writer

Food and beverage writers will create listicles and step-by-step tutorials on topics like recipes, ingredient profiles, and cooking and baking techniques.

Applicants for this position should have:

  • Strong headline writing skills
  • An understanding of SEO
  • The ability to write for a broad audience in a casual voice
  • The ability to source photos
  • Food photography skills preferred
  • Previous experience writing for a blog, magazine or media outlet highly preferred

Note: Professional chefs, bakers, cake decorators and related professionals are preferred.

Apply here for the freelance food writer position.

Food Photographer

As a freelance food photographer, you would be responsible for making, styling and shooting recipe tutorials for the food and beverage content section.

Applicants for this position should have:

  • Photo editing skills
  • Strong understanding of lighting, staging and color composition
  • Food photography skills highly preferred
  • Experience taking photos for a blog, magazine or media outlet highly preferred

Note: Professional food stylists, food photographers, chefs, bakers, cake decorators and related professionals are preferred.

Apply here for the freelance food photographer position.

Crafts and DIY Writer/Photographer

As a contributor to the crafts and DIY section, you would create and photograph projects such as kids crafts, needle crafts and general DIY projects.

Applicants for this position should have:

  • The ability to explain DIY projects through photo tutorials
  • Photo editing skills
  • Experience writing and taking photos for a blog, magazine or media outlet highly preferred

Apply here for the freelance crafts and DIY writer/photographer position.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder. She may or may not be an HGTV addict. Chip & Joanna are #goals.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

This Side Gig Is Paw-fect for People Who Have to Pet All the Doggos

If you’re anything like me, you feel a compulsive need to pet any dog that crosses your path.

You loudly announce “Guys, there’s a dog!” literally every single time you spot one. You know, just in case everyone else missed it.

Maybe you’ve passed someone walking their dog, and you smiled at the dog… before you smiled at its owner.

If this sounds like you, then we’ve got a pretty sweet side gig for you.

Rover, the nation’s largest online network of dog walkers, will help you get paid to walk dogs in your spare time!

It’s sort of like Uber for dog walking in that you take requests in your area. You can accept walks that are ASAP, meaning you can arrive for the walk within 30 minutes, or accept a walk that’s scheduled for a later time.

And if you really hit it off with a pup and its owner, you can schedule ongoing walks with the same client.

Dog walkers with Rover earn $15 for every 30-minute walk, plus another $3 for each additional dog on the same walk.

So if Daniel Radcliffe was walking all of these dogs as a Rover dog walker, he would’ve made a cool $39 for 30 minutes of work! Probably not quite what he made for the “Harry Potter” movies, but still great.

Rover also has other opportunities for dog lovers to make money.

You can sign up to offer dog boarding in your home or become a house sitter for clients when they’re away, or you can even offer drop-in visits. If you take part in these extra services, you get to set your own rates. You will keep 80% of your earnings while Rover gets the remainder.

Who Can Be A Dog Walker For Rover?

Over 140,000 walkers and sitters get work through Rover’s app in 11,000 cities across the U.S., according to Rover.

Becoming a dog walker for Rover is a great option for anyone looking for a side gig. You can commit to walking dogs full time, or just do it on your lunch hour.

Plus, you can switch up your availability whenever you want. Say you’re going out of town for a few days, or you walked 10 miles the day before and your dogs are barking (sorry, I really couldn’t help myself) — you can just turn off your availability until you’re ready to start walking again.

You don’t have to be a professional dog walker, but you must meet these requirements:

  • Be at least 18 years old
  • Have the latest Rover app for iOS or Android (It’s free!)
  • Pass a background check
  • Be available to work on weekdays

Sign Up for Rover Dog Walking

Check out Rover’s website here to get started. You’ll create a profile, which the Rover team will review.  

After your profile is approved, Rover will reach out to you about going through an orientation and taking some online lessons. It will also have you take a super quick in-person harness test.

Once you complete these steps, you’ll officially be certified and can start accepting clients!

Just make sure you download the Rover app on your phone — that’s how you’ll get clients and communicate with them (and send them cute pictures of their pups on their walks, if you want).

Once you finish a walk, you’ll get paid for your time within 48 hours. Now that’s what I call a quick de-paws-it!

So if you want to get paid to hang out with dogs in your spare time, this is a side gig you should keep in mind.

Kaitlyn Blount is a junior staff writer at The Penny Hoarder. She spent way too much time thinking of dog puns for this post.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

These 10 Cities Are Great For Tech Jobs — and They’re Actually Affordable

If I asked you to describe the top places for tech jobs in the U.S., you’d probably rattle off the usual list of uber-expensive, congested cities: San Francisco, Boston or Seattle.

The money seems to flow to where the tech jobs go, which means rising rents (you’ll pay more than $1,700 for a one-bedroom apartment in Santa Clara, California) and sky-high grocery store receipts.

But what if I told you there were underrated tech centers where you could actually save enough to pay back those student loans?

With the help of a new report by Abodo, I set out to answer that very question.

The rental search company used data from the U.S. Bureau of Labor Statistics to determine the best cities for computer and math, community and social service, business and finance, construction and mining and health care occupations.

Abodo used a statistic called the location quotient, which compares a local concentration of a particular set of jobs to the national average in order to rank each city.

I grabbed regional price parity data from the U.S. Bureau of Economic Analysis to measure how expensive goods and services are in each city. I also grabbed rent statistics from the U.S. Department of Housing and Urban Development and unemployment numbers from the Bureau of Labor Statistics to gauge each city’s economic health.

Then, I applied a standard score for each category (prices, economic health, location quotient) so I could compare each one apples-to-apples. Finally, I averaged the scores by city across those categories to determine the 10 best cities for tech jobs you can actually afford.

The 10 Best Cities for Tech Jobs Where You Can Afford to Live

First off, all these cities have a higher concentration of math and computer gigs than that of the entire U.S. It should be noted that the ratio may not be as high as some of the IT heavy-hitters.

For example, Washington D.C. has a local job quotient of 2.45 (we’ll call this the tech jobs score), meaning it has more than double the concentration of tech jobs as the U.S. average. But it didn’t make our list because a single bedroom apartment goes for more than $1,400 (yikes!).

And D.C. has a 105.6 regional price parity (which we’ll call the cost index), meaning goods and services are 5% more expensive in the city than the national average.

So here’s the list: the 10 best cities for tech jobs where you can actually afford to live and save.

1. Kansas City, Missouri

Tech Job Score: 1.43

Rent: $681

Cost Index: 96.4

Unemployment Rate: 3.2%

Population: 2,104,115

2. St. Louis, Missouri

Tech Job Score: 1.15

Rent: $649

Cost Index: 94.2

Unemployment Rate: 3.4%

Population: 2,807,954

3. Cincinnati, Ohio

Tech Job Score: 1.04

Rent: $625

Cost Index: 93

Unemployment Rate: 3.7%

Population: 2,161,441

4. Raleigh, North Carolina

Tech Job Score: 1.96

Rent: $817

Cost Index: 97.4

Unemployment Rate: 3.9%

Population: 1,302,946

5. Columbus, Ohio

Tech Job Score: 1.43

Rent: $683

Cost Index: 97.4

Unemployment Rate: 3.5%

Population: 2,041,520

6. Salt Lake City, Utah

Tech Job Score: 1.31

Rent: $849

Cost Index: 96.3

Unemployment Rate: 2.6%

Population: 1,186,187

7. Indianapolis, Indiana

Tech Job Score: 1.05

Rent: $665

Cost Index: 97.6

Unemployment Rate: 3.1%

Population: 2,001,737

8. Dallas, Texas

Tech Job Score: 1.38

Rent: $807

Cost Index: 97.8

Unemployment Rate: 3.2%

Population: 7,232,599

9. Charlotte, North Carolina

Tech Job Score: 1.26

Rent: $726

Cost Index: 97

Unemployment Rate: 4.2%

Population: 2,474,314

10. Pittsburgh, Pennsylvania

Tech Job Score: 1.06

Rent: $602

Cost Index: 98.1

Unemployment Rate: 4.3%

Population: 2,342,299

So if you recently graduated with a tech degree, don’t worry too much about ending up in a pricy town. Check out the job listings in these cities — you might be surprised what you find.

Alex Mahadevan is a data journalist at The Penny Hoarder. As a bonafide Florida Man, he probably won’t be leaving the state for a while.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.