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[ad_1] The post 15 Best Ways to Get Paid to Listen to Music in 2021 appeared first on Millennial Money. Listening to music is one of life’s greatest pleasures. Music can rev you up when you’re out of energy — and calm you down when you have too much of it. It can comfort you when you’re sad and accompany your happiest moments. But what if listening to music could also earn you extra cash? Believe it or not, there’s a growing number of ways you can get paid to listen to music. It’s one of the easiest and most fun ways to make money online.  In this guide, we’ll uncover some of the best opportunities anyone can try to get paid to listen to music. So queue up your favorite Spotify playlist, and let’s dig in. 15 Best Ways to Get Paid to Listen to Music Here are our top ways to get paid to listen to music: 🏆 Current Rewards Slicethepie HitPredictor  Playlist Push RadioEarn Research.fm Cash4Minutes Earnably  Work in a record store  Start a music podcast  Work as a bartender Drive for Uber and Lyft Work from home  DJ weddings and events  Take online surveys Apps That Pay You to Listen to Music One of the easiest ways to get paid to listen to music is by downloading an app or logging into a website that promotes artists and record labels. These services may perform market research by getting your opinion on a song. Or they may pay you to check out a new singer or band. And don’t stress if you didn’t graduate from Julliard. These companies require zero knowledge of musical theory to get started. All you need is an internet connection and a love of music. 1. Current Rewards The Current Rewards music app lets you earn up to $600 in cash or gift cards per year just for listening to music. You’ll listen to the curated radio stations of your choice — from country to hip hop — and earn points along the way. Of course, the more you listen, the more you’ll earn.  And unlike listening with a streaming service like Spotify or Pandora, you’ll pay zero fees for enjoying curated music on Current. You can even “record” songs from the station to listen to offline. That’s extra fun for us “older Millennials” who remember taping songs off the radio back in the day! Besides jamming out to tunes, Current Rewards lets you earn points by completing tasks such as reaching a certain level in an in-app game or answering a survey. You can also earn up to fifteen points for watching video ads. Once you’ve racked up points, you can redeem them for gift cards from retailers like Amazon, iTunes, and Starbucks. Or you can request a cash transfer to your PayPal account.  Current Rewards is a great way to earn passive income. You may not make a full-time living from it, but $600 per year could cover tickets, camping, and food at your favorite music festival. 2. Slicethepie If you love sharing your opinions on music, Slicethepie may be one of the best ways to make some extra cash. Slicethepie is one of the largest paid review sites online. All you have to do is sit back, listen to music, and then write reviews about it. You can earn cash for every review that you submit.  How much you’ll get paid depends on the quality of your review and the category of music. But the average payout per review is 10 cents. Once you’ve earned $10, you can request a transfer to your PayPal account. A cool part about Slicethepie is that you can review more than just the music itself. For example, you can also give feedback about record labels or an artist’s wardrobe. It’s a fun way to participate in the creative process while racking up a few dollars in the process.  3. HitPredictor  Have you ever dreamed of working in the music industry and getting access to music before it hits the public? Now you can make this dream a reality with HitPredictor, a peer review site that collects public opinions on new music.  When you sign up, you’ll get to choose what type of music you like to listen to. Then you’ll listen to music and rate it. Like many of the music sites on this list, HitPredictor rewards you with points. You’ll get three points — equal to $1 — for every song you rate. Once you have $5 worth of points saved, you can exchange them for Amazon gift cards. 4. Playlist Push Spotify users rejoice — there’s a way to monetize your favorite playlist. Playlist Push pays seasoned playlist curators for reviewing music.  To qualify as a curator, you need a public playlist on either Spotify, YouTube Music, or Apple Music. Your playlists can’t focus on a specific decade (such as “Totally ’80s”). You must also have a minimum of 1,000 followers per playlist. Playlists with fewer than 3,000 followers must have at least thirty active listeners. All other playlists require a minimum of 1 percent active listeners on the streaming platform.  If you meet the criteria, you can earn from $1.25 to $15 for each song that you review. If you like, you can add songs to your playlist, but there’s no requirement to do so. You’ll receive your payments via Transferwise. 5. RadioEarn RadioEarn is another site that lets you earn passive income for listening to music. Once you sign up for a free account, you can start listening to online radio stations and earning points. You can also use RadioEarn’s API (application programming interface) to embed a radio station on your own website. You’ll earn points for every fifteen minutes that you listen to music. You can receive payouts every month in the form of Amazon gift cards, Bitcoin, or bank transfers. 6. Research.fm Research.fm is a long-standing market research provider for radio stations. After signing up, you’ll fill

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[ad_1] World shares slide on China investment worries [ad_2] Source link

[ad_1] Lenders must push for a strong promoter; while bidders’ identities are not known, the Tata Group seems a solid bet [ad_2] Source link

[ad_1] The post How to Become a Social Media Manager appeared first on Millennial Money. Think you have what it takes to become a social media manager? There’s more to it than just hash-tagging on Instagram and Twitter all day. Being a successful social media manager requires great customer service skills, subject matter expertise, and a good sense of humor. That’s why companies are often willing to shell out big bucks to social-savvy Millennials for doing this fun but important job. Keep reading to learn what a social media manager does and how to become one. or, skip straight to the section on how to become a social media manager What Does a Social Media Manager Do? Working as a social media manager involves taking on a variety of different roles and responsibilities. Here’s a general overview of what to expect. Schedule posts across social media accounts As a social media marketer, you’ll schedule posts across numerous social media platforms, including Facebook, Twitter, LinkedIn, Instagram, and Snapchat, to name a few. Effective social media managers know the best times of the week to post on different channels to maximize user engagement. They also know when to break the rules to capture attention and stand out from the crowd.  Engage with customers  When you’re managing social media for a company, one word you can expect to hear a lot is engagement. Companies want to create content on each social media platform that resonates with their customers and generates comments, likes, and shares.  The best managers know how to think outside the box and put together campaigns that command attention — even when the brand isn’t that exciting.  Manage damage control As a social media manager, you’ll be on the front lines for the company you represent. When customers comment about a negative experience, it’ll be your job to respond and manage damage control.  This may involve commenting with a response, sending a direct message, or issuing a public statement on behalf of the company.  Create promotions  Companies run promotions through their social media channels to connect with buyers and drum up business.  One classic example is Apple’s #shotoniphone campaign, which leverages user-generated content to promote the brand. Coordinate with various departments  Social media is typically just one part of a brand’s overall marketing strategy.  Social media managers often coordinate with public relations, design, product, and sales teams to produce social posts aligned with various campaigns and goals.  How to Become a Social Media Manager Educate yourself Brush up on your skills Know the social media tools Gain experience Look for paid work 1. Educate yourself Many professional social media managers have a degree in business, marketing, communications, or a related field. These majors can help prepare you for the work you’ll do in social media marketing. Alternatively, you can look for non-degree educational programs in digital marketing. There are some great options on learning sites like Udemy. It also pays to get real-world experience. Volunteer to help a local nonprofit with its social media marketing. Or take an entry-level job to learn the ropes without getting a marketing degree. 2. Brush up on your skills  Social media management is highly competitive. So you’ll need to be sharp as a tack if you want to land a gig — and keep it.  Here’s a quick breakdown of what you need to make it as a social media manager: Time management: Social media managers often have to balance multiple projects across different channels. It’s important to have strong time management skills to stay on top of everything and meet your deadlines.  Creativity: Digital marketing professionals often need to think outside the box. You can’t just copycat what everyone else is doing. Design: A little bit of design expertise can go a long way when managing social media. Start by learning the basics — like how to make a GIF or crop an image for social media. You should also have a working knowledge of color schemes and the impact they have on consumers.  Analytics: Social media managers should understand how to use Google Analytics and understand SEO to find out how viewers interact with different pages. This information can help you determine what questions customers have and what they’re interested in. Communication skills: Social media is all about communication. Managers spend a lot of time interacting with customers, partners, and coworkers. They use these insights to create compelling social material.  A pulse on social media trends: Succeeding as a social media manager involves having your finger on the pulse of what’s happening across the industry. To get the best results, you should always be familiar with trending hashtags, the viral image or video of the week, and all the latest styles and tricks.  3. Know the social media tools  If you want to succeed as a social media manager, you must know how to use the management tools created to track engagement, manage your workflow, and publish content. Top social media management tools to know about  Sprout Social: Sprout Social provides tools for engagement, analytics, publishing, and reporting. Hootsuite: Hootsuite is a one-stop-shop for managing multiple social media handles. You can create content and share it across multiple locations with ease through Hootsuite. Trello: Trello is a highly customizable project management app that lets you visualize and update various projects. Using Trello, you can create and move cards around, add images and descriptions, and tag team members to provide updates and request information. WordPress: WordPress is a leading content management system for building websites. As a social media manager, you may use WordPress throughout the day to publish content you’ll then promote on sites like Twitter and Facebook. Asana: Asana is a mobile and web application for organizing and tracking projects. Monday.com: Monday.com offers pre-built templates for managing workflows. It can be a great content management option for teams working with social media managers. Canva: Canva is a graphic design tool for creating social media graphics, documents, and presentations. 4. Gain experience

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[ad_1] France says Biden acted like Trump to sink Australia defence deal [ad_2] Source link

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[ad_1] As the summer comes to an end, several issues are top of mind for everyone: the impact of the Delta variant, the debate over when the Federal Reserve will taper its asset purchases, the situation in Afghanistan, and the federal debt limit and budget debate. When it comes to housing and mortgage markets this fall, most attention is being focused on the expiration of eviction and foreclosure moratoria and the pending completion of forbearance terms for many homeowners. While the pace of mortgage originations has fallen off somewhat this year relative to a record 2020, I expect that servicing will get an increased focus over the next year. With that in mind, I wanted to review MBA’s latest data on mortgage delinquency, foreclosure, and forbearance rates and provide my thoughts on where these trends are likely headed.  MBA’s National Delinquency Survey (NDS) data for the second quarter of 2021 showed a sharp decline in the mortgage delinquency rate to 5.47%. As shown in Exhibit 1, the delinquency rate tends to be highly correlated with the unemployment rate over time. This was certainly true over the past year, as unemployment spiked during the onset of the pandemic, then has fallen rapidly as the economy has re-opened and rebounded. Our forecast is for the unemployment rate to continue to decline, reaching 4.5% by the end of 2021, and likely dropping below 4% by the end of 2022. The delinquency rate should follow that downward path closely. Exhibit 1 It is important to note that in MBA’s NDS, loans are marked as delinquent if payments are not made in accordance with the terms of the mortgage. Thus, even if loans are in forbearance, if the borrower does not make a payment, the loan is counted as delinquent. Also, if the borrower is in forbearance, but makes a payment, the loan is counted as current. This treatment matches the actual cash flows that servicers receive, and hence captures an important reality for servicers — i.e. — whether the borrower submits a payment or whether the servicer might need to advance that payment. Although delinquency rates decreased across categories in the second quarter, as shown in Exhibit 2, the biggest decline was for loans that were 90+ days past due. In fact, the 72-basis point decline for the 90+ delinquency rate was the largest such decline in the history of MBA’s survey going back to 1979.  Both 30- and 60-day delinquency rates also declined in the second quarter. The economic and job market rebound, coupled with the successful exits from forbearance for many homeowners, contributed to these declines, and particularly for those in later stages of delinquency. Exhibit 2 Source: MBA’s National Delinquency Survey Perhaps even more important, these data also showed the largest quarterly declines in the history of the survey for both FHA and VA loans. Last year, the FHA delinquency rate reached an all-time high of 15.65%. The FHA delinquency rate in the second quarter of 2021 fell to 12.77%, almost 3 percentage points lower, but it remains more than 4 percentage points above the pre-pandemic level. Clearly, FHA borrowers were severely impacted by the onset of the pandemic and the resulting lockdowns, but the trend is improving. Exhibit 3 Source: MBA’s National Delinquency Survey Foreclosure moratoria were in place through July of this year. With these moratoria in place, it is not surprising that the foreclosure start rate is extremely low, as only exceptions to the moratoria, such as abandoned properties, had foreclosure actions initiated. That said, as shown in Exhibit 4, the foreclosure start rate remained steady at only 4 basis points in the second quarter, which is essentially zero. The foreclosure inventory rate, the percentage of outstanding loans that were in the foreclosure process at the end of the second quarter, dropped to 51 basis points, the lowest foreclosure inventory rate since 1981. Note that some of these loans in the foreclosure inventory may have been so prior to the pandemic. Exhibit 4 Source: MBA’s National Delinquency Survey To summarize, delinquency rates spiked during the onset of the pandemic last year, but are falling rapidly, in line with the decline in unemployment rates, and the foreclosure inventory rate has dropped to its lowest level in 40 years, at least partially due to the moratoria. We will certainly be tracking these data closely over the next months and quarters. Forbearance trends and exits outlook The other critical trends to watch include the share of loans in forbearance and the exit paths of borrowers leaving forbearance. In June 2020, roughly 8.5% of all mortgages in the country — more than 4 million homeowners — were in forbearance, according to MBA’s Weekly Forbearance and Call Volume Survey. These included both federally-backed loans covered by the CARES Act, as well as portfolio and PLS loans that were not covered. The forbearance data are tracked by investor category (Fannie/Freddie, Ginnie, Portfolio/PLS) and servicer category (IMB, depository). After peaking last June, the forbearance share has trended down in most weeks, reaching 3.08% as of early September. This represents about 1.5 million homeowners. While the trend has been similar across the investor categories shown in Exhibit 5, the levels have certainly been different, with the Fannie/Freddie share much lower, currently at 1.52%, and the Ginnie and Portfolio/PLS shares much higher. Note that the shift in respective levels of those two are due to large and ongoing buyouts of delinquent loans from Ginnie Mae securities. In MBA’s survey, a buyout results in a loan moving from the Ginnie Mae category to the Portfolio investor category and is reported as such. Exhibit 5 Source: MBA’s Weekly Forbearance and Call Volume Survey, as of 9/5/21 Under the original language from the CARES Act, forbearance terms for federally backed loans were limited to 12 months and required that borrower contact be made at the six-month point to continue forbearance out to the full 12 months. In 2021, FHFA and HUD extended the maximum forbearance terms to 18 months,

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