Recognize that time is money. This critical piece of advice is attributed to Benjamin Franklin, who was an accomplished American inventor, journalist, printer, diplomat, and statesman--the ultimate multitasker. Your ability to manage your time (and stop procrastinating) is a critical ingredient in your ability to make money. Whether you have a job or are self-employed, keep track of what you're spending your time on. Ask yourself "Which of these activities make the most money, and which of them are a waste of time?" Do more of the former and less of the latter, simple as that. When you're focusing on high-priority tasks, get the job done well, and get the job done fast. By working efficiently, you're giving your employer or clients more time, and they'll appreciate you for it. Remember that time is a limited resource that you're always investing. Will your investments pay off?
Buy and sell domain names. If you’re good at finding popular yet undiscovered domain names, you can make some cash on the side by buying and reselling websites. Think of it as digital real estate speculation. Domains are available on GoDaddy.com for as little as $2.99 per year, but are sometimes resold at far higher prices: According to Business Insider, the site MM.com sold for $1.2 million dollars in 2014. Once you find the perfect domain name to resell, you can market it on Flippa.com for a flat fee.
Individual sellers and companies offering products or services have to deal with their consumers and ensure they are satisfied with what they have purchased. Thanks to the affiliate marketing structure, you’ll never have to be concerned with customer support or customer satisfaction. The entire job of the affiliate marketer is to link the seller with the consumer. The seller deals with any consumer complaints after you receive your commission from the sale.
There are plenty of freelancing websites where people put their talents up for sale. But Fiverr is the go-to spot, thanks to its millions of users and brilliantly simple premise. “Rather than acting as a labor market, Fiverr works like an e-commerce platform, where services are offered as products,” says Aimy Ngo, Fiverr’s business development and marketing strategist. “This makes it easy to control what you will provide and how much to charge.”
Mistake #3: Giving your friend’s product a glowing review without actually being familiar with your friend’s product. This happens a lot in the affiliate marketing (and book marketing) world unfortunately. It’s a “scratch my back and I’ll scratch yours” type of situation. By all means, give your friend a glowing review, but if you haven’t actually read their book or taken their course or tried their product, don’t talk about it as though you have. Readers deserve honest recommendations! (Here’s an example of me helping to announce the launch of my friend’s book while being clear I hadn’t read it.)
The in-flight magazine for Horizon Air, Horizon Edition is looking for writing with vivid images, anecdotes and a strong narrative flow. The best way to submit a post is to send small clips of previously published work, as well as a well-written pitch for your proposed article in their magazine. The pitch should demonstrate advance research and original ideas on the part of the writer. The below button is an application through their parent company Alaska Airlines.
Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).
Monetize a hobby. While some hobbies actually cost money, others can be transformed into a profitable business venture. Ultimately, it depends on what your hobby is and how talented you are. You could turn your love of photography, for example, into a part-time gig taking family portraits and wedding photos or selling prints on Etsy or at arts fairs.
Welcome to the Best 100 List for Best Companies for Remote, Part-Time, and Flexible Internet Jobs! Based on years of researching companies that hire for telecommuting, part-time, flextime, or freelance jobs, FlexJobs has compiled and made public a list of 100 of companies that specifically have hired for Internet jobs with at least one of these flexible working options. Below you will find the company profiles on employers such as Appen, Coalition Technologies, and CBC Radio-Canada, as well as each company's telecommuting, part-time, freelance, and flexible job posting history, a staff-written description, and the company's headquarters and website.
We are in charge of targeting the music to your taste. The better job we do, the more music you'll discover that you like and the happier the musicians will be when we can find new fans for them. So, much of what you hear will likely be right up your alley. But, not every band you hear on Music Xray will be amazing. Many of the bands you hear are just starting out and may not be quite ready for prime time. But that’s OK. You can skip their songs after 30 seconds and you’ll still be compensated.
It’s not the sort of online money making opportunity that’s covered in glory, but everyone needs a set of eyes to make sure the numbers add up at the end of the year. Every business and most individuals need someone to help prepare tax returns, especially time or resource-strapped small business owners. The Income Tax School provides an array of training programs that'll certify you with tax prep in as little as 10 weeks, and once tax season rolls around you'll be able to charge an average of $229 per return as a freelance tax preparer with this side business idea, reports CNBC.

Always make affiliate links nofollow. Google’s goal is to provide its users with the best possible search results to their search queries. One of the main ways they figure out which webpages are the best is through links. The Google bots crawl the web, reading text. When they come to a link, it’s like an open door. They follow the link (walk through the door) and explore the site you linked to.


Answer surveys. Survey companies I recommend include American Consumer Opinion, Survey Junkie, ProOpinion, Pinecone Research, Opinion Outpost, Survey Spot, National Consumer Panel, VIP Voice, Earning Station, and Harris Poll Online. They’re free to join and free to use! You get paid to answer surveys and to test products. It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.
Start a blog. Blogging is how I make a living and just a few years ago I never thought it would be possible. I made over $320,000 in 2015 by blogging and nearly $1,000,000 in 2016. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $2.95 per month plus you get a free domain if you sign-up through my tutorial.
Now most affiliate programs have strict terms and conditions on how the lead is to be generated. There are also certain methods that are outright banned, such as installing adware or spyware that redirect all search queries for a product to an affiliate's page. Some affiliate marketing programs go as far as to lay out how a product or service is to be discussed in the content before an affiliate link can be validated.

More than ever, writers are needed to formulate news articles, create content, and come up with the creative ideas that fill the pages of nearly every site on the Internet. And although many bigger sites have in-house writers, a growing number of sites outsource their content and hire freelance writers and content creators. Writing experience is very helpful, but what you really need to get started are drive, ambition, and the ability to find a unique angle on events that happen every day.

The Expeditioner features travel posts, travel videos, travel news, tips and more from some of the best travel writers and travel bloggers around the world. They are looking for travel stories that are written in a first-person narrative style. Every article submitted must be informative, well-written, and they should inspire travellers (mainly focusing on the American audience) to get out and explore.
To get hired, you fill out an application and take an exam to test your knowledge. “If you pass, you go through a mock session with an experienced tutor who assumes the role of student and evaluates your creativity, empathy and teaching skills,” says Cindy Hamen Farrar, Ph.D., senior director of academic tutoring at Tutor. “We look for people who know their subject matter and who can break it down and communicate effectively.”

Some of the companies on this list are those you’ll recognize. Dell, still one of the largest PC vendors in the world, regularly hires project managers, business analysts and systems engineers for remote work. Salesforce, which came in at #3 on Forbes’ list of the world’s most innovative companies this year, hires telecommuting account executives, product designers and even upper management positions like regional vice presidents. Xerox, Adobe, SAP and American Express also make the list with their own distinct sets of work from home and remote work agreements.
I am also new to the work from home world but not that new. I have done some work with MCA and SFI. Neither worked for me well. But I am a young stay at home mother of four, all children being 5 and under. And I’m looking for some part time or full time work to support me and the kids. Phone or non-phone is great. I prefer non-phone work because of the kids. And non-writing as well. Thanks for your help. 🙂

The editors of websites and magazines are no longer necessarily looking for a journalist degree or a lot of experience. They want to find people with real life travel experience who can captivate an audience… and they’re happy to pay for that. In this post I’m going to list 99 (yes, ninety-nine) awesome websites and magazines that you can pitch your ideas to so that you can get paid to write online.
With over 20 million active members, Swagbucks is the premier destination for paid survey takers looking to earn money for giving their opinion online. Swagbucks provides access to tens of thousands of paid survey-taking opportunities every day. With every online survey, you are affecting key decisions from major companies and organizations. More survey opportunities means more chances to make your opinion count - and more earning potential for you! Unlike most other online survey sites, Swagbucks will even give you a bonus when you don’t qualify for a survey, meaning you never miss out on getting paid.
If you enjoy writing, why not get paid to write online? Traditionally freelance writers have often had to scrape by on meagre earnings, pitching gigs at magazines and newspapers. But these days, anyone can get paid to write online. Seriously. We’ve personally written and been featured on many large sites like Business Insider, WiseBread and Forbes and we’ve earned over $3,000 per month from a freelance writing side hustle. It’s possible if you know where to look.
Amazon makes it fairly easy to list and sell old books on its marketplace. You can make more than just a few bucks If you have pricey text books from college. Be sure the books are in good condition. You'll get negative reviews if you attempt to sell books that are falling apart. Remember, add value where you can, no matter how small it might be and no matter how few people might readily notice it. 

What Will You Be Writing? - Approximately 5,000 word ebooks dealing with rental property and passive income. - Topics dealing with the advantages/disadvantages of becoming a franchisee. Skill requirements - Native English speaker - Excellent grammar and punctuation skills - Good communication and reliable What to expect? -No plagiarism, it will be checked for - Completed in 1-2 weeks - Writer can create the content in their own way. Be creative and communicate frequently. Payment - Fixed price (please include fixed rate in application) - Payment will be in milestone completion or upon completion What to include in application - Personal fixed writing rate - Good contact information (email) - Sample work (if possible) - Experience in writing about how a franchise operate. - Prior writing experience Appreciate your time and look forward to working with you!


Has anyone ever told you you have a voice for radio? Are you great at creating original characters with just your voice? There are tons of people looking to pay for quality voice overs for their corporate videos, animation series, or educational videos. Check out Fiverr and UpWork or create a profile on a specialized site like Voices.com or The Voice Realm to get started making money online doing voice overs.
Try affiliate marketing. This means promoting someone else’s products or services for pay without actually carrying an inventory. There are many ways of incorporating affiliate marketing into your website/blog/page including banner ads (which are generally ineffective, as people tend to avoid these), linked articles (which are quite successful when the article content is thoughtful and doesn’t appear spammy), and product-placement videos (which can be very successful when done by people with charisma or a good sense of humor). You can even become an affiliate marketer without a website. Basic ways of making money through of affiliate marketing include:
DoorDash is an app that allows you to deliver items to people at their location, whether it be home or office. Although most people use a car to do most of their deliveries, walking is an option (as long as the delivery item isn't too heavy, that is). Also, consider that even if using a car you still have to walk into the store or place the item is coming from and then again when you deliver it to the recipient. So that kind of counts, right?

Artists and designers upload their original work to Society6, which then prints the images onto a variety of products. Society6 offers an incredible range: T-shirts, pillows, wall hangings, duvet covers and iPhone cases, among countless others. Society6 handles all the fulfillment; artists can focus on their designs and receive a commission on anything sold. It’s a little like Etsy, but you don’t have to deal with physically creating or shipping your work.

Wanderful is looking for pieces that are engaging, personal and inspiring with the attempt to speak to their audience and community. They are looking for topics related to all things women, particularly those between the ages of 25 – 40. They want to provide tips for female travellers to show them how to make the most of their overseas experiences.
Mistake #5: Promoting a lot of affiliate products instead of just a few. Once you start affiliate marketing, you realize how easy it is to share affiliate links. Instead of becoming an affiliate for a lot of different products and sharing them liberally, I recommend concentrating on just a few and sharing them intentionally. It doesn’t seem as spammy, plus you can be sure the products you do promote are closely aligned with your brand and message. Deep is better than wide.
If you’re serious about making money selling things online, it’s pretty much impossible to not recommend Shopify. The platform gives you everything you need to get your online store up and running in less than a day including a custom domain, beautiful templates (so you don’t need design skills), secure payment options, and they can even take care of marketing and shipping for you. Whether you’re selling your own products, designs, or curating other products for people in your niche, Shopify is the best option for powering your online store.
What It Is: Many companies pay online testers to make sure websites are intuitive and easy to navigate. "You basically follow the instructions you're given to check out the website," says Anna Thurman, founder of RealWaysToEarnMoneyOnline.com, a site that has reviewed more than 500 online work opportunities. "It usually only takes about 15 minutes per test." Thurman recommends registering with 10 to 12 different companies since the opportunities to test these sites are doled out first come, first served. "There are people who make $100 to $200 a month by staying on top of those tests," Thurman says.

Earn cash back for shopping. Earning cash back on your purchases is a smart idea, and credit card rewards aren’t the only good cash-back strategy out there. With sites like ShopAtHome.com, eBates.com, and TopCashBack.com, you can earn up to 10% cash back on purchases made with approved merchants. Many frequent shoppers also love the Ibotta app, which lets you earn cash-back on every purchase.
I am also new to the work from home world but not that new. I have done some work with MCA and SFI. Neither worked for me well. But I am a young stay at home mother of four, all children being 5 and under. And I’m looking for some part time or full time work to support me and the kids. Phone or non-phone is great. I prefer non-phone work because of the kids. And non-writing as well. Thanks for your help. 🙂
You can find home agent jobs listed on regular job boards like Indeed.com, Monster.com and others. Or you can go right to the source with dedicated home agent companies like Converygs, TeleTech and Sitel. These companies generally treat you as an employee with regular hours and health benefits, but if you want to be an independent contractor, check out a site like LiveOps.
Get your Blank ATM DEBIT CARDS that works in all ATM machines, “Infinity Cards” has programmed some Cards that makes you withdraw money free from any ATM machines, Transfer, At Store. Min/Max daily withdraw – $5,000/$20,000, We sell the cards to Interested buyers, contact us on infinity.cards@aol.com or +19402266645, to get full details & the cards.
Start analyzing your decisions from the perspective of a firm. In economics, a firm's goal is simply to maximize profit. Well-run firms spend money only if they can expect to make more money from their investment, and they allocate their resources to the most profitable use. You're not a firm, of course, and you have other considerations, but if you make the majority of your time and money decisions by choosing the options that promise the highest return on investment, you'll likely earn more money, and that's good news for your shareholders (you and your family).
As far as internet jobs, there are no shortage of options to become a crowdworker. If you’ve never heard the term before, crowd working is an inexpensive way for companies to get work done quickly. This work is made available to a pool of workers and is claimed on a first come first serve basis. A lot of times, this kind of work is referred to as micro jobs and can be found on short task sites.

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“Online work” used to mean “money grabbing scam.” You might find a job selling things online for a commission or writing blogs for money, but these rarely provided a living wage, or even enough spare change to justify the time commitment. Times have changed. The Internet has finally become profitable not just for start-up entrepreneurs in Silicon Valley, but for regular people with everyday skills.
The two popular ones are Poshmark and TheRealReal. Both make it dead simple to sell (and buy!) luxury items. The RealReal will pay you 60% of the sale price (more if you sell a lot) and Poshmark has a tiered commission structure. Sale prices under $15 pay a $2.95 flat fee and everything else is just 20%. Tradesy is another company and they take just 9%.
Landscape. Look for brush-clearing, mowing, or woodcutting jobs, some of which may land you regular customers. This can save you money at the same time: if you are hired to pick up pine needles, use them to mulch your roses, which will appreciate their acidity and smothering effect on weeds; if you are hired to cut and clear a fallen tree, use it to heat your house that winter.
It’s fairly easy to build your own website if you take advantage of the many free learning opportunities online. However, much of the population isn’t equipped to build their own site, or doesn’t have the time, which is why so many people make a living building websites and blogs for others. According to the BLS, around 16% of web developers were self-employed in 2016, with the vast majority able to work at home, or anywhere with a laptop and speedy Internet connection.
An influencer is an individual who holds the power to impact the purchasing decisions of a large segment of the population. This person is in a great position to benefit from affiliate marketing. They already boast an impressive following, so it’s easy for them to direct consumers to the seller’s products through social media posts, blogs, and other interactions with their followers. The influencers then receive a share of the profits they helped to create.
Parlay your math, science, foreign-language or test-prep expertise into a lucrative side gig by becoming a private tutor. You can tutor people online or in-person. What you charge can depend on your experience, expertise and what’s in demand. To get started, see what types of tutors are needed on Craigslist, or create a profile on sites like Tutor.com or Care.com. You can also advertise your services at local schools and community centers.

Working as a caretaker is a great way to get in your daily steps. Many senior citizens are capable of walking themselves, but it's good to have someone there just in case if someone is prone to falls. There are also many older adults in wheelchairs who still love to go outside. Taking them on walks around the neighborhood is not only an excellent way to earn but a great way to be kind to others and make a difference in someone's life. Caregivers are typically paid $7.89-$14.20 an hour, with $9.25 being the average rate. You can check out Care.com for senior caretaking gigs.
This quarterly journal is targeted towards hunters and anglers, so if you’ve done a fly fishing or camping trip, you may be able to get a feature. They’re always looking for is a journal for hunters and anglers to tell stories and give tips on fishing locations and campfire tales, whether they be fact or fiction. The pay is good at $850 – $1,000 per Expedition (2,500 – 3,000 words), $600 – $1,250 per Features (1,500+ words), $600 for Yarns (750 – 1,500 words) and $100 for poems (max 1,000 words). They also pay up to $250 per photo, so you’ll not only get paid to write online, but you’ll also get paid for your photography.
What Employees Say: “VIPKID pays between $14-22 an hour, plus more in incentives some months. Most kids are fun and well behaved. You create your own schedule and work as little or much as you want. The materials are already provided, you just have to review them beforehand and plan out how you want to teach the materials and which props you want to use.” —Current ESL Teacher
Creating a unique tracking ID for an Amazon link is easy. Simply log in to your Amazon affiliate dashboard, click “Account Settings” at the very top on the right, then click “Manage Tracking IDs”. From there you can make a new tracking ID so you can track which web page/campaign sold what.  You can learn more about using Amazon’s Tracking IDs here.
Web development is a job often performed online that pays a significant income. It's not reliant on location or any other factor. it simply boils down to skill and hustle. As a software engineer, I have spent endless hours debugging code. It's often frustrating. Unless you love what you're doing, it could seem like grunt work. But the pay is incredible.
With over 20 million active members, Swagbucks is the premier destination for paid survey takers looking to earn money for giving their opinion online. Swagbucks provides access to tens of thousands of paid survey-taking opportunities every day. With every online survey, you are affecting key decisions from major companies and organizations. More survey opportunities means more chances to make your opinion count - and more earning potential for you! Unlike most other online survey sites, Swagbucks will even give you a bonus when you don’t qualify for a survey, meaning you never miss out on getting paid.
For example, iStockPhoto.com, owned by Getty Images, requires you to apply to be a contributor. You can submit Photos, Illustrations, Video and Audio but you will need three samples of your work. If accepted, you'll be paid a 15% commission for each file downloaded and if you agree to be exclusive. If you make iStock your exclusive royalty-free agent, you can earn up to 45% with additional attention.

What Will You Be Writing? - Approximately 5,000 word ebooks dealing with rental property and passive income. - Topics dealing with the advantages/disadvantages of becoming a franchisee. Skill requirements - Native English speaker - Excellent grammar and punctuation skills - Good communication and reliable What to expect? -No plagiarism, it will be checked for - Completed in 1-2 weeks - Writer can create the content in their own way. Be creative and communicate frequently. Payment - Fixed price (please include fixed rate in application) - Payment will be in milestone completion or upon completion What to include in application - Personal fixed writing rate - Good contact information (email) - Sample work (if possible) - Experience in writing about how a franchise operate. - Prior writing experience Appreciate your time and look forward to working with you!
First you need to fill out our application. Once you are approved (usually within an hour of signing up) your profile is made live on RentAFriend.com. People can search their zip code or city/state/country for Friends in their area. If they are interested in your profile they will contact you directly. You then negotiate your time, price, and activity with the member. You then meet your new friend, have a great time, and get paid!

If you are really short on cash and need some immediate funds then you should start by looking around your house. Clear out your cupboards and find any items lying around that you don’t need or haven’t used for a while. Then sell them on eBay. Just because they are gathering dust in your cupboards, doesn’t mean someone else won’t snap them up. Simply sign up with eBay, list your products and then, as they are sold, send them off to the buyers.

If you do have a blog, then make sure you have a “Hire Me” tab if you are available. This will then let others know that you are looking, and also what you are available for. Many blog owners might also be looking around, or they might make blog posts directly stating that they need staff writers. Keep an eye out for this. It doesn’t hurt to just e-mail the websites directly. If you truly want to write for them, try sending them a quick e-mail, and attach some writing samples, and/or link to your blog as well.
If you want to help shape products in their early stages, joining an online focus group or answering survey questions is a great way to make extra money online. They don’t pay as much as some of the other options we’ve highlighted, but you can join groups on sites like Survey Junkie, Swagbucks, and IPSOS that pay out through Amazon gift cards, check, or PayPal. You’ll be asked to provide a bit of information about your demographics (age, location, etc…), but after that you can get going making money through surveys.

After being accepted into an affiliate program, marketers receive a unique URL that includes their affiliate ID. They share that unique URL with their subscribers, site visitors, and social networks via text links or ads. When someone clicks on that link, affiliate software records that click and any resulting product sales in the affiliate’s account. When commissions reach a pre-determined threshold, the affiliate is paid.
Depending on your level of skill and expertise, there are a wide range of options that extend from business services to direct-to-consumer work. As the internet grows, it gets more complex and convoluted. Certain fundamental marketing concepts, while easy to understand, have become incredibly difficult to implement online. We're talking about increased visibility, more leads and sales, things that businesses have cared about for ages.
So, I put together a free master course for you to take that spreads out all of the work involved in starting a blog, into a series of action-packed lessons. My free course breaks the entire process of starting a blog down into an incredibly simple 7-day process for going from 0 to publishing (and promoting) your first blog post in just 1 week. I can't recommend it enough.

Know when to wait. Some affiliate programs require a certain level of traffic, subscribers, etc. If that’s the case, I say it’s better to wait to apply for that program instead of applying and hoping for the best. You risk being labelled the person who can’t follow guidelines and you might also risk not be allowed into the program when you do meet the qualifications.
Transcription work from home jobs involve listening to audio files and typing out what you hear. While some types of transcription (such as medical) require training, it is possible to break into general transcription with little to no past experience. Before you start digging through the companies below, you may want to read this post about what general transcription involves and this post about the equipment transcribers use.
Affiliate marketing has increased in prominence with the internet age. Amazon popularized the practice by creating an affiliate marketing program where websites and bloggers put links to the Amazon page for a product being reviewed or discussed in order to receive advertising fees when a purchase is made. In this sense, affiliate marketing is essentially a pay for performance marketing program where the act of selling a consumer on a product is outsourced across a potentially vast network.
As far as internet jobs, there are no shortage of options to become a crowdworker. If you’ve never heard the term before, crowd working is an inexpensive way for companies to get work done quickly. This work is made available to a pool of workers and is claimed on a first come first serve basis. A lot of times, this kind of work is referred to as micro jobs and can be found on short task sites.

Become a moving advertisement. “Wrap” your car in an advertisement, go about your usual commute, and get paid monthly to do it. (Some car-wrappers in San Francisco make as much as $400 a month doing this,[2] but of course this varies depending on how big a city you live in and when / how often you make your commute.) You can also get paid to wear a company’s logo t-shirt around (particularly if you wear it someplace conspicuous, like at your school; see ShirtsInSchools.com as one example).


So an effective affiliate marketing program requires some forethought. The terms and conditions have to be tight, especially if the contract agreement is to pay for traffic rather than sales. The potential for fraud in affiliate marketing is a possibility. Unscrupulous affiliates can squat on domain names with misspellings and get a commission for the redirect; they can populate online registration forms with fake or stolen information; they can purchase adwords on search terms the company already ranks high on, and so on. Even if the terms and conditions are clear, an affiliate marketing program requires that someone be monitoring affiliates and enforcing the rules. In exchange for that effort, however, a company can access motivated, creative people to help sell their product or services to the world.
Merchants receiving a large percentage of their revenue from the affiliate channel can become reliant on their affiliate partners. This can lead to affiliate marketers leveraging their new-found status to receive higher commissions and better deals with their advertisers. Whether it’s CPA, CPL, or CPC commission structures, brands are willing to pay, and affiliate marketers are in the driver’s seat.
This is the standard affiliate marketing structure. In this program, the merchant pays the affiliate a percentage of the sale price of the product after the consumer purchases the product as a result of the affiliate’s marketing strategies. In other words, the affiliate must actually get the investor to invest in the product before they are compensated.
DoorDash is an app that allows you to deliver items to people at their location, whether it be home or office. Although most people use a car to do most of their deliveries, walking is an option (as long as the delivery item isn't too heavy, that is). Also, consider that even if using a car you still have to walk into the store or place the item is coming from and then again when you deliver it to the recipient. So that kind of counts, right?
What are dividend stocks? They are just like regular shares of stock, but with one exception: For every share of a dividend stock that you own, you are paid a small portion of the company’s earnings. Basically, you get paid just for owning the stock! If you are looking to get started with dividend investing, check out Ally Invest (which is included on our list of best investment apps).
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