15 best paid survey sites in 2020

If you have some spare time and are looking for ways to make a little extra money, you could try filling out surveys for money. With survey companies paying out millions of dollars to users each year, it’s a legitimate way to earn an income online.

Or is it? There’s a natural skepticism whenever this topic is brought up in personal finance circles, and for good reason. For starters, far too many people have been burned by the claims of ‘scammy’ survey sites in the past, walking away with nothing more than a whole lot of wasted time. And, let’s face it, you’re never going to get rich filling out online surveys. Forget rich, you’re going to struggle just to get to minimum wage.

So why even bother? Survey sites are definitely not for everyone, yet they remain very popular. If you stick to the most reputable ones, there is money to be made. We’re not talking rent-erasing money, but it might cover the cost of your monthly Netflix subscription, or subsidize your coffee habit, which for some people is worth the effort.

In this article, I’ve selected what I think are the best online survey companies out there today. Most have been around for several years and have established a fairly solid reputation. Some are better than others, without a doubt. Before we dive in, here are a few tips on ways to maximize your online survey earnings.

How to earn more with online surveys

As I already mentioned, if you’re looking to make money with only one survey site, you’ll likely be disappointed. Most sites pay very little per survey, often less than $1, while the sites that claim to pay more, say $5 per survey, tend to send very few surveys your way. Still, if you’re willing to put in the time, there are things you can do to maximize your earnings.

Sign up on more sites – It only makes sense, but by signing up for more sites, you’ll increase your potential earnings by increasing the number of surveys you qualify for.

Opt for the higher paying activities – In addition to taking surveys, many of these sites will reward you for other activities, such as searching the web, watching videos, or participating in focus groups (rare). Simple tasks pay less than more detailed ones. Pay attention to the higher paying activities, and stick with those.

Register for sweepstakes – Many survey websites provide an option to use your points to register in sweepstakes, where the prizes can be as much as $500, or $1000. While there is no guarantee you will win, consider taking the chance with some of your points, to improve your odds of a better payout.

Survey Junkie

Top Feature: Quick payment via PayPal

Typical Earnings: $1 – $3 per survey

Survey Junkie has been around since 2013 and is one of my favorites. They reward users with points for completing surveys, which are then converted to dollars. Surveys are worth between 50 and 450 points each, with 100 points equalling $1. Earnings can be paid out via PayPal or in the form of e-gift cards. Unlike many companies on this list, Survey Junkie sticks to what they know best, surveys. There are no rewards for shopping online, browsing the internet, or watching videos. You can cash out as soon as your earnings reach $10, which is a nice feature, and payments via PayPal are processed within 24 hours, which is very quick when compared to many of its competitors.

SwagBucks

Top Feature: More options to earn money

Typical Earnings: $1 per survey

Swagbucks is more than just surveys, rewarding users for shopping online, searching the web, playing games, and more. Survey earnings can be very minimal, less than $1 per, but you have no shortage of options to make money. Like Survey Junkie, SwagBucks users are compensated in the form of cash via PayPal, and gift cards. A nice feature is the ability to redeem gift cards for as little as $3, while the minimum PayPal cash payout is $25. To help you get paid sooner, SwagBucks offers a $5 sign up bonus.

Pinecone Research

Top Feature: Offer payment via check

Typical Earnings: minimum $3 per survey

Pinecone Research is another long standing survey company that rewards you with points for completing surveys. They pay well for surveys, at a minimum of $3 each. The catch is that because they are searching for a specific demographic at different times, they operate on an invite only basis so the number of survey opportunities are limited. Still, it’s worth signing up as a way of padding diversifying your survey income. Pinecone is run by Nielsen, the same organization that measures television viewership ratings.

MyPoints

Top Feature: $5 bonus after completing 5 surveys

Typical Earnings: $.30-$.50 per survey

MyPoints is owned by Prodege, the same company that owns SwagBucks. They’re similar in that you can earn points a number of ways, including online shopping, watching videos, and playing games. They offer plenty of survey opportunities, but the earnings per survey tend to be very low. You do get a $5 bonus after completing your first 5 surveys however. Payment options include PayPal cash and gift cards.

Inbox Dollars

Top Feature: $5 sign up bonus

Typical Earnings: $.50 – $5 per survey

Inbox Dollars pays cash for completing a variety of activities online: answering surveys, fulfilling offers, watching videos, playing games etc. While you can earn up to $5 when you complete a survey, the average payout is much lower than that. A positive is that they have a large number of surveys to choose from, so if you have the time, you can increase your earnings that way. Before you complete a survey, or an activity, Inbox Dollars will let you know how much you’ll be paid. That way, you can decide if it’s worth your time. You can receive payment via gift cards, PayPal cash, or a check in the mail. The minimum payout amount is $30.

Opinion Outpost

Top Feature:Convert points to travel credits

Typical Earnings: $.30 – $3 per survey

When you complete surveys with Opinion Outpost, you’ll earn points that can be converted a number of ways. In addition to receiving PayPal cash or gift cards, you can turn your earnings into travel credits, by joining the MileagePlus program. As with most survey companies, you’ll be required to fill out a questionnaire when you register, so that Opinion Outpost can collect your demographic information and make sure you’re legit. According to their website, survey topics are varied, and include anything from electronics and medicine, to sports and politics, even your eating habits.

VIP Voice

Top Feature: Sweepstakes entries

Typical Earnings: No cash payout, sweepstakes entries

VIP Voice works a bit differently than the other survey companies on this list. You earn points for completing surveys, but they can’t be converted into cash or gift cards. Instead, points can be used to enter sweepstakes, or online auctions on sites like Bidland and Sweepland. The problem with this is that there is no guarantee that you’ll be compensated for the time you spend completing surveys. If you don’t mind the idea of taking your chances with sweepstakes, then there are plenty of surveys you can fill out with VIPVoice. Upon signing up, you are entered into their registration sweepstakes, for a chance to win $1000.

LifePoints

Top Feature: 10 LifePoints at sign up

Typical Earnings: $.50 – $1 per survey

With LifePoints, you can convert points for PayPal cash once you reach a minimum $20 payout. The downside is that the amount you earn per survey is fairly low, usually less than $1. They do claim to have paid more than $20 million out to members in the past year alone, however. Survey invites are sent out via email, and the number you receive each month will vary based on the type of data being collected, and your suitability to complete the survey. While LifePoints lacks the optionality of a Survey Junkie or Swagbucks, it works well if you’re looking for a basic survey site.

Vindale Research

Top Feature: $1 sign up bonus

Typical Earnings: $1 – $5 per survey

Vindale Research doesn’t incorporate a point system, meaning that your earnings are expressed as a dollar value only. This way, you always know what you’ve earned, at a glance. Payment is via PayPal, but you will need a minimum of $50 before you can cash out. Of note, Vindale offers other earning opportunities that pay more than surveys. For example, you may be able to write product reviews, which pay as much as $75 each. Of course, these opportunities don’t come along very often.

Prize Rebel

Top Feature: Offers a bonus loyalty program

Typical Earnings: $.40 – $.60 per survey

Prize Rebel has been around for more than 10 years, during which they’ve paid out over $19 million to their members. With Prize Rebel, signing up is easy, as they only require your name and email address to open a free account. They will gather more of your personal demographic information when you complete your first survey, but you’ll earn points for doing so. What makes prize Rebel standout is their loyalty bonus program, which rewards members based on the number of surveys they complete. You can earn a bonus of up to 3% on your earnings, not to mention a 3% discount when you redeem your prize (Diamond level). 500 points equal to $5, and earnings can be redeemed for PayPal cash, gift cards, or Dwolla cash.

Survey Club

Top Feature: Variety of earnings options

Typical Earnings: Up to $5 per survey

With Survey Club, you can earn up to $5 per survey, although the vast majority will be much lower than that. They also give users the opportunity to participate in focus groups, some of which pay handsomely, up to $200 per hour. Survey Club doesn’t actually host surveys, rather they steer towards surveys on other websites. What makes Survey Club standout from their competition is the ways in which you can earn. Not only can you be paid in cash or gift cards, you can also make charitable contributions, receive a prepaid debit card, and enter draws and sweepstakes. The minimum earnings required to cash out is $25.

Harris Poll Online

Top Feature: $10,000 sweepstakes entry with every completed survey

Typical Earnings: $1 per survey

With Harris Poll Online, you earn points for completing surveys, which can be redeemed for purchases at a number of leading websites. Their screening process is quite detailed, as they lead you through a series of demographics questions. To complete surveys, you must login in to the Harris website, surveys aren’t sent via email. At an average of around $1 per survey, the earn rate is modest, but the more you visit their site and take surveys, the more money you’ll make. I do like the fact that they enter you into a draw for a $10,000 sweepstakes every time you complete a survey, and they also allow you to make charitable donations with your earnings.

OneOpinion

Top Feature: Lightning fast sign up process

Typical Earnings: Up to $5 per survey

The sign up process with OneOpinion is very quick, which allows you to start earning without a lot of effort. Their surveys pay as much as $5 each, but typical earnings are lower than that. Users earn points that can be exchanged for gift cards (there is no PayPal option with OneOpinion). You’ll need to accumulate $25 worth of points before you can redeem, and 1,000 points has a value of $1.

Ipsos iSay

Top Feature: Low minimum payout

Typical Earnings: Up to $1 per survey

iSay by Ipsos is similar to most other survey sites in that you earn points that can be converted to PayPal cash or used to redeem gift cards. The payout per survey is very low, but Ipsos does have a unique point multiplier, that rewards users loyalty with bonus points after they reach a certain number of surveys. After completing 5 surveys, for example, you’ll receive 25 bonus points. One thing I like about iSay, is that they have a low minimum payout. You only need 500 points ($5 value) before you can redeem for PayPal cash. With iSay, 100 points has a value of $1.

ProOpinion

Top Feature: Targeted surveys based on area of expertise

Typical Earnings: Not available

The sign up process with ProOpinion is quite detailed. That’s because their mandate is to select surveys that align closely to your individual expertise. When you complete surveys, you earn points that can be redeemed one of 4 ways: PayPal cash, Amazon gift cards, Apple store & iTunes gift cards, and charitable donations via The American Red Cross. Unfortunately, I was unable to find any information on the Pro Opinion website regarding the points you earn, and how much they’re worth. Other sites are more transparent. The data collected is used in articles and other content found on the Pro Opinion website. The information provided is geared towards helping business professionals learn and grow.

The benefits of completing online surveys

There you have it, my list of top paid survey sites for 2020. If you’ve read through these mini-reviews and are interested in getting paid to take surveys, my recommendation would be to start with Survey Junkie and Swagbucks, and go from there. If you need more motivation, there’s another reason filling out online surveys may be beneficial.

On the homepage of the Survey Junkie website, is the caption, “Share your opinion to help brands deliver better products and services”. Personally, I like the idea of having a voice, of being able to influence the direction a company takes with its products and services, even if it’s in a very small way.

Source: getrichslowly.org

Compliments to the Chef

As more Americans turn to home cooking and entertaining, the functionality of a kitchen is more important than ever when choosing a home.

Over the past half-century, kitchens have become somewhat fetishized; a place to display high-tech appliances and high design cookware, a social hub for friends and family, and a continuation of home style that showcases elegance and considered design choices. Pare it back to basics, though, and today’s kitchen is still essentially what it always has been: a place to prepare food. And homeowners, spurred recently by stay-at-home orders, but also inspired by home-cooking television shows, health concerns and the rising expense of dining out, are increasingly relying on their kitchens in times when eating out is not an option, as well as using their kitchens as additional entertainment space; somewhere to try their hand at cooking for their friends and family. For house hunters who relish the opportunity to regularly entertain and prepare food for guests, it pays to know what to look for when assessing kitchen space during your house search—and the best person to ask is an expert.

Edouard Massih is a private chef and caterer in New York City. He hosts intimate dinners in his own home, giving local diners the experience of enjoying his food in a less formal, more personal way. Massih, who was born in Lebanon, found his love for cooking in his grandmother’s kitchen. Sharing food and creating community has always been the driving force behind Massih’s cooking, and he has discovered a way to do that in his own backyard—literally.

“I wanted to invite people into my backyard, because I had a very unique space in Brooklyn, and not a lot of people [in New York] get to have dinners in a backyard,” Massih says. To bring to life his vision of cooking for the community, Massih extensively renovated his Greenpoint backyard, creating a lush urban escape where guests can enjoy the exquisite food that he prepares in his own kitchen—each dish enhanced by a dash of his grandfather’s olive oil, all the way from Lebanon.

Having worked on his kitchen to ensure that it had everything that he needed to support his at-home dining experiences, Massih has the knowledge of both a professional chef and a home cook. We asked him for some tips to help aspiring culinary hosts to choose the right kitchen space, starting with the five kitchen elements that he finds to be indispensable. First, Massih says, is “the right fridge, or the right fridge space.” Part of taking the pressure off yourself when entertaining, he says, is making sure that you’re prepared in advance. “Entertaining is all about making it simple for yourself when people are there— being able to prep ahead and batching the drinks; having the pitchers of water ready in the fridge; and having everything ready to go. Maybe serve more cold stuff than hot. You can do a pasta salad and an orzo salad, and make it two hours in advance.”

Preparing food in advance, chilling drinks and ensuring that all of your produce is fresh all comes down to having the right fridge. And while interactive fridges with weather forecasts and recipe databases can be useful, the main thing is space—and plenty of it. If you want to get fancy, you could go for a hot-water dispenser and temperature-adjustable drawers, both of which assist in various cooking processes; just make sure that you have enough shelf space to hold all of the food and beverages that you’ve prepped for your guests.

Compliments to the Chef image 1

Because you can’t make a lot of food without creating a lot of mess, Massih insists that having two sinks is vital: one dedicated to food prep, and one to cleanup. You can keep your prep equipment near your prep sink (think bowls, colanders, appliances), and dishes near the cleanup sink (which should ideally be close to the dishwasher). In addition, having two sinks creates more flexibility for multiple cooks, and streamlines the flow while you’re cooking.

The third must-have for Massih is “a lot of prep area—lots of counter space.” You need space for laying out, preparing and organizing ingredients, which most people consider when thinking about counter space; but if you’re planning on entertaining groups of diners, you also need enough counter space to plate all of the meals at once. Nobody wants to be balancing plates on top of kitchen stools because there’s not enough room for everything on the countertop.

Fourth for Massih is storage, in terms of both kitchen cabinets and a decent pantry. You want plenty of space, and also space that complements your cooking flow. Pots and pans should be as close to your stove as possible—either on a rack above or in a cabinet below—and serving utensils like spoons and tongs should be close to where you do your plating, to minimize the number of steps you have to take to collect your cooking tools, which helps with efficiency when you’re cooking for a group of people. A walk-in pantry is ideal, with various shelf sizes and storage options for appliances that are not in regular use. For chefs, there’s nothing worse than a cluttered cooktop.

Lastly, Massih emphasizes the importance of, as he calls it, “legit trash.” “You want a trash can that’s near the sink or accessible around [where you’re working], and not one of those little tiny trash barrels that fits nothing,” he says. “Otherwise, every two minutes, you’ll have to take the trash out when you’re prepping.” Massih also spends a lot of time cooking in other people’s kitchens as part of his catering and private-chef business, and the one feature that he is always delighted to see is a back kitchen.

“What is really nice about some of [the private homes that I cook in] is they have a back kitchen, like the ‘help’ kitchen,” he says. “That really does help a lot. If I [had the resources], and I was looking for a house to entertain in a lot or to do a lot of dinners in, then that’s definitely something that I would look for. “A lot of these kitchens nowadays are very open-plan, because the idea of it is that it’s really fun. But it gets annoying when you’re [hosting] a formal dinner, and you can’t do dishes [or hide them away] while your guests are eating. Having a small back kitchen really helps, because then you can hide all of the stuff that you don’t want people to see.”

There’s nothing wrong with a kitchen as a style statement, and most people whose interests lie in kitchens will admit to some fetish-like reverence. Just keep practical concerns in mind, particularly when you have culinary aspirations; remember, you can have a waterfall countertop AND legit trash. That’s what we call the best of both worlds.

For more information on Edouard Massih and his home-style cooking, visit www.edouardmassih.com.

The post Compliments to the Chef first appeared on Century 21®.

Source: century21.com

Newly Renovated, 1915-Built Townhouse in Park Slope Asks $4.4 Million

A four-bedroom townhouse with park views and tons of charm has recently hit the market, and we’re dying to tell you all about it. The listing, brought to market by Compass’ Michael J. Franco, is right next to Prospect Park, Brooklyn’s second largest park, and has plenty of outdoor space (and a rooftop deck to boot).

The townhouse sits in one of Brooklyn’s trendiest, most desirable neighborhoods — Park Slope — with its leafy streets lined with brick and brownstone townhouses, many of which were built near the turn of the 20th century and have been lovingly updated over the decades by young families migrating from Manhattan. Much like its neighboring properties, the 2,600-square-foot townhome at 15 Prospect Park was originally built more than a century ago in 1915 and retains its old-world charm — but has been carefully updated to meet modern standards of living.

beautiful townhouse in prospect park, Brooklyn
Park Slope townhouse on the market for $4.4 million. Image credit: Compass//Michael J. Franco

With 4 bedrooms, 3.5 baths, a generously sized living room, and a finished basement, the Brooklyn townhouse also comes with a few rare features for a New York home: ample outdoor space and private parking (that includes a private garage and its own driveway).

The layout is split on three levels, with the first floor housing a large living room and open dining room — both with distinctive pre-war features like classic moldings and arches — and a renovated kitchen that opens up to a lovely terrace.

inside a beautiful pre-war townhouse in Park Slope, Brooklyn
Beautiful living space with distinctive pre-war features like arches and moldings. Image credit: Compass//Michael J. Franco
dining room of a pre-war townhouse in park slope, Brooklyn
Beautiful living space with distinctive pre-war features like arches and moldings. Image credit: Compass//Michael J. Franco
renovated kitchen in Brooklyn townhouse
The renovated kitchen. Image credit: Compass//Michael J. Franco
lovely terrace of a pre-war townhouse in Park Slope, Brooklyn
The Park Slope townhouse has a lovely terrace. Image credit: Compass//Michael J. Franco

The second floor is home to 3 bedrooms and a sizeable landing which is perfect for either a library or a home office, while the third floor is dedicated to the primary bedroom suite and its massive walk-in closet, renovated bath with skylights and soaring ceilings, with a separate sitting area/den. The third level also provides access to the townhouse’s own rooftop deck, which adds more outdoor space and looks like a perfect place to entertain guests.

bedroom of a charming brooklyn townhouse in park slope
Bedroom opens up to Prospect Park views. Image credit: Compass//Michael J. Franco
bathroom with skylight in brooklyn townhouse
 Renovated bath with skylights and soaring ceilings. Image credit: Compass//Michael J. Franco
roof deck of a brooklyn townhouse in park slope
Rooftop deck of the $4.4 million townhouse in Park Slope, Brooklyn. Image credit: Compass//Michael J. Franco

The property is listed for $4,400,000 with Compass associate real estate broker Michael J. Franco.

More beautiful New York City homes

This Brooklyn Condo Has a Dreamy Backyard that Will Make You Forget You’re in the City
Trophy Apartment Once Owned by Composer Leonard Bernstein Asks $29.5 Million
These 5 Unique Listings Will Remind You of Everything that Makes NYC Real Estate Special
This $16M NYC Penthouse Has Unobstructed Views of Central Park and the Manhattan Skyline

The post Newly Renovated, 1915-Built Townhouse in Park Slope Asks $4.4 Million appeared first on Fancy Pants Homes.

Source: fancypantshomes.com

This Dream Getaway Home is Part of a $220 Million Aspen Ranch

If you’re a fan of the mountain farmhouse aesthetic, you’re in for a treat. Nestled into a hillside just minutes away from Aspen core sits the Mount Daly House, one of the eight modern ranch retreats at the 800-acre Aspen Valley Ranch.

The massive Colorado ranch — owned by oil and gas executive Charif Souki — was initially listed back in May 2020 for $220 million, which propelled it to the top of the list of most expensive residential properties for sale in the U.S.

Since then, marketing efforts for the property, led by Souki’s son, Chris Souki, along with Carrie Wells (both with Coldwell Banker) have shifted, with the massive ranch being divided into more manageable assets. One of which is the biggest home on the ranch, Mount Daly, which has been listed alongside a future homesite (so far simply titled Lot 9), which has a 13,000-square-foot proposed floorplan that would outshine all the other existing homesteads on the property.

Inside Mount Daly, a luxury ranch home in Aspen, Colorado.
Inside Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate

The asking price for the two properties — Mount Daly and Lot 9, the future homesite of a 6-bed, 9-bath dream ranch home with a generous 13,000-square-foot floorplan — is a whopping $30 million, but that’s not above the mark for properties in the area, especially considering that the lots total 82 acres (in what’s undoubtedly a phenomenal location).

Mount Daly house has 5,373 square feet and comes with 4 bedrooms, 4.5 baths, and a barn. Designed by Michael Fuller, the residence beams with mountain farmhouse aesthetic, with its interiors paying homage to western culture and history, boasting reclaimed beams, barn wood, stone features, and other traditional ranch-style elements.

kitchen-luxury-mountain-retreat-in-aspen
Inside Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate
wooden bedroom of a luxury home in aspen
Inside Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate
bathroom of a luxury ranch in aspen, colorado
Inside Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate

Best of all, the home rests on the valley floor at the confluence of two mountains, offering some of the best Elk Mountain range views. The massive windows carefully placed throughout the home make the most of these views, and invite calm and relaxation.

picture perfect views of the mountains from inside the aspen ranch
Inside Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate
outdoor entertaining area of a luxury aspen ranch in colorado
Outdoor entertaining area at Mount Daly, a luxury ranch home in Aspen, Colorado. Image credit: Coldwell Banker Mason Morse Real Estate

More luxury properties for sale

Charming Estate With Ties to The Beatles On the Market in Connecticut
This Stunning Modern House Was Built With Fire Safety in Mind
New Jersey’s Gloria Crest Estate, Once Home to Hollywood Silent Film Starlet, Is on the Market
Morgan Brown Re-Lists Stunning West Hollywood Home Amid Split from Actor Gerard Butler

The post This Dream Getaway Home is Part of a $220 Million Aspen Ranch appeared first on Fancy Pants Homes.

Source: fancypantshomes.com

Hearing Colors? Here’s What Colors to Choose in Your Home Based on Your Taste in Music

‘Hearing colors’ — I bet you’re all familiar with this expression already, but did you know that it’s actually a thing? It’s a rare neurological condition called chromesthesia, which affects roughly 1 in 3,000 people.

For people with chromesthesia, listening to a certain genre or musical piece can automatically trigger different color visualizations associated with the sound. 

It’s obviously a rare condition, but for musicians, it can be an incredibly useful tool. Duke Ellington, Aphex Twin and Pharrell Williams are among those with chromesthesia. Pharrell actually stated: ‘I know when something is in key because it either matches the same color or it doesn’t.’

Our friends at Home Advisor had their interest piqued, and they decided to put this rare gift to good use. They enlisted the help of two people with chromesthesia and had them listen to various Billboard chart songs from 10 different musical genres. They did this to see what colors each musical genre evoked, and whenever the two participants had matching colors, they were added to that genre’s color palette. 

Consequently, Home Advisor came up with 10 different living room color palettes that match 10 music genres. If you’re a fan of one or more of these genres, then you can use this guide to decorate your home to match your musical taste. Check out the 10 palettes and genres below.

1. Rock

The two chromesthesia participants in the study listened to some rock songs on the Billboard chart, to see what colors popped in their minds.

The result is a rather dark and strong color palette, which includes chocolate-y and caramel-y tones, mixed with Champagne, Cream, and a bit of Smoke and Black. 

2. Country

Given that country music is all about wooden guitars, cowboy hats, ranches, saloons and chestnut horses, it’s no wonder that the colors evoked by this genre match that imagery.

The participants envisioned a living room featuring browny, earthy hues like Redwood, Tortilla, Laguna and Cream. 

3. Pop

Pop music is usually a pretty accessible genre, so it’s only natural that this pop living room features a mix of prime colors, pastels, as well as metallic hues – something for everyone, basically. The pop palette includes Navy, Jade, Black, Abalone, as well as Jade, White and metallic Gold. 

Keep reading: Everything We Know about Trevor Noah’s Apartment — the New Set of the Daily Show

4. R&B

The R&B room looks like it was designed by a qualified interior designer, that’s how harmonius the selected hues are. The resulting color palette exudes coolness and chill-vibe-ness, featuring tones and hues like Charcoal, Champagne, Prussian, White, Pearl River, and a touch of Lime.

5. Rap

The rap room is definitely the showstopper in this list, incorporating various bold and bright colors (which is actually eerily similar to rapper Wiz Khalifa’s home in Los Angeles).

This eclectic result shouldn’t really come as a surprise, given that this musical genre also includes a mix of beats, samples and influences. This fun living room features bright hues like Blue, Jade, Lime, Fire, Red, Peach and Hot Pink. 

6. Latin

The Latin room, unsurprisingly, bears resemblance to the R&B room, as well as to the rap room. This mash-up of pop, R&B, rap, salsa, tango, and so on, has resulted in a bright and vibrant color palette that includes Yellow, Cream, White and Pearl River. 

7. J-Pop

This bubblegum-like color palette evokes the ‘cute and sexy’ image of this pop music trend originating in Japan. The palette features colors that normally wouldn’t go together, but somehow they work, and the result is a colorful and young living room painted in hues like Red, Orange, Thistle, Silver and Amber.

8. EDM

The EDM palette is in a league of its own, for sure. The palette is incredibly vibrant and energetic, much like the musical genre it represents. You might say there’s even a nightclub vibe to this living room, which features colors like Navy, Blue, Azure, Gold, metallic Mint, and Electric Purple.

SEE ALSO: 10 of the Most Stylish Minimalist Wall Clocks You Can Buy on Amazon

9. Lo-Fi Hip-Hop Beats

This lo-fi color palette works really well for a living room, and it’s really on trend with the pastel hues that interior designers are talking up this year. This easy listening music genre evokes gentle shades like Tea, Cream, Baby Blue, Laurel and Air Force. 

10. Heavy Metal

This living room is the darkest, and most aggressive of all the rooms on our list. That’s right in tune with the music genre it represents, as heavy metal is loud, bold, and focused a lot on imagery — heaven and hell, hellfire, depths of darkness, leathers and metals, and so on. Consequently, this living room features dark, solid hues like Black, Charcoal, Denim, as well as blood-like hues such as Maroon and Mahogany. 

There are obviously a lot more musical genres and sub-genres out there, so naturally this list doesn’t cover every possible music taste. But, if you’re a fan of some of these genres and are looking to incorporate your music taste into your home decor, then this study by Home Advisor might serve as inspiration. Happy listening (and decorating)!

More stories

What Does Your Home Say About Your Personality? 5 Common Telling Signs
How to Successfully Integrate Smart Home Tech into Your Own Home
Here’s Why You Should Not Buy a House in a Neighborhood with an HOA
How Much Do Modern Prefab Homes Cost?

The post Hearing Colors? Here’s What Colors to Choose in Your Home Based on Your Taste in Music appeared first on Fancy Pants Homes.

Source: fancypantshomes.com

Guide to Bar Loans: Pros, Cons, and More

It can take several months to prepare for the bar exam, and they are some of the most important months in an aspiring lawyer’s life. In that time, many students take preparation courses or devote all their time to studying and preparing, increasing their chances of passing the exam and taking that important step.

Bar loans are a type of financial aid offered to students going through this difficult time. A bar loan can provide them with essential living costs, while covering the cost of academic materials and preparation fees. That way, they can focus on what’s important, and don’t have to worry about getting a part-time job and spending time away from their studies.

What is a Bar Loan?

Also known as a bar study loan, a bar loan is a type of private loan offered by private lenders. Unlike federal student loans, they are not backed by the Department of Education and, as a result, are subject to the same standards and criteria as personal loans.

You have two main options for taking out a bar loan. The first is to simply borrow more money than you need during your last year of school, covering you for all costs during that final year and running over into the bar loan afterward. 

Alternatively, you can submit a separate application and acquire your loan via one of the bar loan lenders we have listed below. To determine how much you need, simply calculate your living expenses and other costs and contact a lender.

Pros of a Bar Study Loan

  • Provide you with the freedom to study without worrying about how you’ll afford everything.
  • You can apply even after you have graduated.
  • You can borrow more money than you need, which isn’t always possible with student loans.
  • Move you one step closer to achieving your goal

Cons of a Bar Study Loan

  • Charge higher interest rates than most other student loans
  • You’re not covered or protected like you are with student loans
  • Need good credit to apply

The Best Bar Loans

You can get bar study loans from many major banks, credit unions, and lenders. We have shortlisted a few of our favorites below to help you:

Discover Student Loans

Discover is best known for its credit cards, including the Discover It, which we have highlighted many times on this website. But it also offers a host of additional banking services, including private loans and bar loans.

You can get a loan of between $1,000 and $16,000 for up to 20 years, with both fixed-rates and variable rates available, typically between 7% and 13%. There are no fees for applying, missing payments or pre-paying.

To apply, you must either be in your final year or have graduated within the last 6 months.

Sallie Mae

A trusted lender that has been in the student loan business for decades, Sallie Mae offers up to $15,000 for 15 years, with interest rates as low as 4.5% and as high as 11.56%. You can apply up to 12 months after graduation and there are no loan fees. What’s more, you won’t be asked to make any loan payments while you’re still in school.

Wells Fargo

Wells Fargo options are a little more restrictive, as you can only borrow a maximum of $12,000 over a maximum of 7 years. What’s more, you need to be enrolled in an eligible school or have graduated within 30 days, so if you graduated more than a month ago then you’ll need to look at one of the two listed above.

Do You Need A Bar Loan?

You need money to get through this period as you likely won’t have time to work and study, and if you try and force it your studies may suffer. If you’re still living at home, as many students are, your parents may cover most of your living costs. Assuming they can also cover your additional expenses, you won’t need a bar loan.

However, if they can’t afford to pay your fees or rent, you’ll need to consider one of the following options:

Side Hustle

While a traditional part-time job can be overly taxing during this busy period, you may have some time to freelance. It is easier than ever to earn a little extra cash by writing, designing, coding, and even doing some simple consulting work.

You’re a lawyer, not a writer, but if you’ve made it this far it means you’ve completed countless essays and assignments and have a good grasp of the English language. You likely can’t compete with professional writers getting the big bucks, but you can certainly compete with those at the bottom end of the scale and earn upwards of $20 an hour for your time.

If the idea of writing doesn’t appeal to you, think about consulting work. Many smaller companies and individuals can’t afford to spend hundreds of dollars an hour on legal fees, not when they just need a little legal advice concerning their property or business. Instead, they turn to students who have the knowledge but don’t demand the same high fee.

Ask Your Employer

If you have a job lined up after graduation, your employer may cover some or all of your fees. However, you will need to make a commitment, agreeing to work with them for at least a few years after you have graduated.

Personal Loan

A bar loan is a specialized personal loan and may charge higher fees then you can get with a traditional personal loan. If you have a good credit score, you should consider applying for a traditional loan, comparing this to the bar study loan to see which one offers the best fees.

Bottom Line: A Life-Changing Loan

A bar loan can hurt your credit score and give you even more debt to worry about, but at the same time, it means you won’t have to worry about money while you study and focus on your future.

Ultimately, that’s the main goal here, because as damaging as that extra debt could be in the short term, if you eventually get the job of your dreams then you’ll have more than enough money to clear the balance and focus on your future.

Guide to Bar Loans: Pros, Cons, and More is a post from Pocket Your Dollars.

Source: pocketyourdollars.com