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.

Try Uber EATS or DoorDash. Uber EATS offers part-time work that’s similar to driving for Uber or Lyft. Instead of picking up passengers, however, you will pick up food orders and deliver them in your area. Pay works similarly, letting you earn a per-job rate plus tips. Door Dash works similarly, letting consumers order food from restaurants and connecting drivers to pick up and drop off their meals.
Since work hours are less regulated in telework, employee effort and dedication are far more likely to be measured purely in terms of output or results. Fewer, if any, traces of non-productive work activities (research, self-training, dealing with technical problems or equipment failures) and time lost on unsuccessful attempts (early drafts, fruitless endeavors, abortive innovations) are visible to employers. Piece rate, commissions, or other performance-based compensation also become more likely for telecommuters. Furthermore, major chunks of per-employee expenses are absorbed by the telecommuter himself - from simple coffee, water, electricity, and telecommunications services, to huge capital expenses like office equipment or software licenses. Thus, hours spent on the job tend to be underestimated and expenses under-reported, creating overly optimistic figures of productivity gains and savings, some or all of those in fact coming out of the telecommuter's time and pocket.[citation needed]

If you have any gently-used items you're looking to offload, list them on Mercari with a photo, description, and price. Once a buyer makes a purchase, you can ship it using a prepaid and pre-addressed envelope. After your customer receives the package, they rate the purchase and issue payment. Mercari takes 10 percent of each sale as its fee, but that's still lower than the standard 20 percent that most companies claim.


Do you search the Internet? Want to get paid for it? Swagbucks is a site that rewards you for doing various online tasks like taking surveys, watching videos, and using their search engine. When using their search engine, you get reward points after several searches, usually in the amount of 10-15 points. You can start cashing out rewards at the 500 points mark.
Ebates is another cash back app, similar to DOSH, and right now they are offering a $10 signup bonus. There’s no rule saying you can’t have multiple cash back apps, so why not sign up for a couple just so you get the bonuses? Once you get your bonuses, then just use whichever app gets you the best deal on your upcoming purchases. Easiest money ever!

One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .


Autonomy influences experienced responsibility such that if the job provides freedom, independence, and scheduling flexibility, the individual should feel responsible for his or her work outcomes. Telework provides flexibility in scheduling and freedom because being outside the office gives the worker more choices. Teleworkers do not have to stick to office routines and can shift work to different times of day.[34] Telework allows employees the freedom to choose where they work, when they work and even what they wear to work to allow their best work.[35] Teleworkers may experience more responsibility to the extent that they feel in control and accountable for their work.[36] The autonomy of telework allows for lower work-family conflict.[37] Teleworking provides the freedom to arrange work to avoid family conflicts. Increased control over life demands[38] is one of its main attractions. The level of autonomy in telework felt by the employee depends on a variety of factors, including scheduling flexibility and the household size.[38] In addition to reducing work-family conflict, conflicts with activities are also reduced. Increased and fewer time restrictions freedom allow workers to participate more in recreational activities, whether social or physical.[35]
If my piece of content is so unique and valuable around hiking backpack recommendations, that other reputable outdoor websites are willing to link to it and build the page’s authority, then I’d have a very real opportunity to rank high in organic search for these search terms (meaning, my page will come up first when someone searches for hiking backpacks).

“I love working for TTEC@home. I get to interact with and help others from the comfort of my own home. (Have you ever been in Houston traffic rush hour? That says it all!) Plus, they have some of the most amazing people I’ve ever had the privilege of working with. They aren’t just here to draw a paycheck. They truly care about their co-workers. I work many miles from the brick and mortar buildings, but I have a sense of security that my coworkers have my back and I’m not alone.”
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs. 
Money can be earned and spent, saved and pilfered, invested and wasted. Not time. That's why time is far more valuable than money. The point? When you lack the luxury of time, making money online (or offline) can seem like an impossible task. How are you supposed to do that when you're working at a life-sucking nine-to-five job? While the stability of full-time employment might allow most to sleep well at night, it doesn't empower your creative juices to search for new income-producing strategies.

Tutor students. Many families prefer the flexibility of using an online tutor. Depending on your background, you could be simply helping a child with homework or providing college-level support. You need to have your own computer and high speed internet. Experience required differs among companies. Some require “strong experience,” while others require a specific educational background. However, most companies do require a college degree.
I am writing this very post in the very outfit I just slept in, but this is why I am a slob with a sink full of dirty dishes and relentless insomnia. Experts always recommend that if you’re working from home, you should get dressed as if you are not. This does not mean you need to sit on your couch in a suit, but you should, at the very least, put on pants and a shirt, and potentially brush your hair. Saedi Bocci suggests donning an outfit you’d feel comfortable wearing outside. “Maybe you’re wearing joggers, but you should wear something that at least makes you feel more put together,” she says. “Wear some basics that can go out door.” Otherwise, you’re a) less likely to leave your house at any point and b) more likely to go a solid week in the same pair of dirty leggings, not that I’ve ever done that!
Robo-advisors are diversified investment accounts that are automatically managed by a computer algorithm (as opposed to a human money manager). If you want to invest, but don’t have the money, or don’t want to invest with a money manager, robo-advisors are for you! Robo-advisors make investing easier—and cheaper—so they’re perfect for new investors.
However, not matter what method you choose to make money online, understand that you might be able to make some money fast, but for the sizable returns, you'll need significant sweat equity. However, a year from now, you'll be happy you started today. Remember, time is far more valuable than money. Focus on creating passive income streams that will free up your time so that you can quit the rat race and focus on the things that matter. That's the important thing here. 

Since time is the most precious commodity on this earth, invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop. It's obvious that this is the preferred route, but clearly the road less traveled.
Merch by Amazon is another service offered by Amazon that will enable you to make money online without any initial outlay. To get started you need to create an account with Merch by Amazon. Then simply design some T-shirt logos or slogans, and upload them to your Merch account. You will need to choose a T-shirt type, color, and price, and Amazon will create product pages for each T-shirt. When someone makes a purchase, Amazon takes care of production and shipping. And you are paid a royalty for your design.
Distributed work entails the conduct of organizational tasks in places that extend beyond the confines of traditional offices or workspaces. It can refer to organizational arrangements that permit or require workers to perform work more effectively at any appropriate location—such as their homes or customers' sites—through the application of information and communication technology. An example is financial planners who meet clients during the client's lunchtime at the client's workplace; even though this is an out-of-the-office, meeting, the Internet enables the planner to present financial planning tools and presentations on their mobile computers. Another example is a publishing executives who recommends books and places orders for the latest book offerings to libraries and university professors from the executive's home using e-mail or an online system. If this type of distributed work replaces the worker's commute, it would be considered telecommuting. If not, it would be telework (see §1. Definition).
What does that mean for you? It means Nielsen will pay you $50 a year to keep their app on your favorite internet browsing device. The app itself collects statistics on your internet usage anonymously, so you never have to worry about any data being linked to you. And the best part is, the app takes up barely any space and doesn’t slow down your phone or tablet at all!
PointsPrizes is a simply amazing website and is a legitimate way of getting PayPal, Steam, etc awards. It is relatively easy to get pretty much any reward, and the delivery time is very short, considering what you're getting. I recommend PointsPrizes to users who need a quick and easy way to get various different rewards. I recently got a $20 Steam gift card, here's the proof: https://i.imgur.com/hbMLSKJ.jpg https://i.imgur.com/TkZgpV0.jpg https://i.imgur.com/EGclyPA.png
To use the software, you will need an internet connection and a microphone and to be able to download their testing software. If you want to take mobile tests, you’ll need an iPhone, an iPad, an Android phone or an Android tablet. You’re paid via PayPal, which means you can live and use the service to make money as long as you live in a country where PayPal works.
Something else I recommend is taking the free 7-lesson mini-course on general transcription offered by Janet Shaughnessy of Transcribe Anywhere. This will help you to understand if you're a good fit for a transcription career, what you can potentially earn, and also where to get started. Janet also has free legal transcription mini-course if you're more interested in going that route.
On the week of March 7, 2016, "Work from Home" debuted at number 12 on the Billboard Hot 100 with 88,000 downloads sold, 10 million United States streams and 20 million radio impressions in its first week, marking the group's highest debut and equaling its best rank for "Worth It", which rose to number 12 in August 2015, twenty-three weeks after it was released.[9] The following week, the song fell four spots to number 16.[58] It would then rise three spots to number 13[59] and rise one more spot, to match its debut position for the week dated April 9, 2016.[60] The following week, the song would climb two spots to reach a peak at number 10, earning the group their first top 10 single in the United States. Subsequently, they became the first all-female group to chart in the top 10 since "When I Grow Up" by The Pussycat Dolls peaked at number nine in 2008.[11] It recorded a 6-4 jump on the Digital Songs chart selling 89,000 copies, a 34 percent increase from the previous week. The song also saw a 8-5 jump on Streaming Songs with steams of 14.4 million, a rise of 20 percent and 22-17 leap on the Radio Songs chart, retaining a 49 million audience, a 22 percent increase from the previous week.[61]
Using Fiverr is a great way to pick up work. Once you have signed up you can advertise your services. Fiver allows you to create your own gigs, whether you are offering web design, digital marketing, writing, or something else. You can choose how much you want to charge (it can be more than a fiver) and people will then contact you if they are interested in working with you. Fiverr will not only help you get experience if you are just starting off as a freelancer, but it will also help you earn some extra cash.
Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.
There are numerous printing companies that will print your designs onto not just T-shirts, but also hoodies, hats, posters, cushions, bags, and phone cases, to name a few items. These businesses also offer fulfillment services. This means that you promote the merchandise on your own site and once you sell a product the printing company will not only print your design but also send the item directly to the buyer. So all you have to do is concentrate on the marketing and selling of your products, and the fulfillment company will take care of the rest.
It may take time to build that audience that turns views into dollars. The average revenue per 1,000 YouTube views is just over $6. But with enough videos for fans to scroll through, those views can add up over time. While you’re building an audience, you could also join an affiliate program related to your channel and make money online through affiliate links in your video descriptions.
All the girls are then seen performing dance routines inside the hall of the house, with Lauren in the middle and two girls at each side of the staircase. Ty Dolla Sign appears while singing with a sledgehammer over his shoulders. He is seen for the first time together with the group, leaning against a wall, while the girls dance off-cam and perform twerking moves. The girls are now outside of the house, where night has approached, as each girl performs synchronized dance moves.
25. Products – You can create your own product, such as an ebook or computer software. You would then use your blog as a promotion tool to get people to buy your product. As long as you create a legitimate product with a whole lot of value, you should be able to get some buyers, but like everything else with a blog, you’ll need the traffic to get the sells.
There are quite literally hundreds of clever ways to make money online. From taking online surveys, to renting or selling your old clothes, flipping your iPhone to someone in a different country, and even buying low-cost products locally, just to resell them for a higher price on Amazon. There’s truly no shortage of unique ways to make money online.
How to Get It: Visit companies such as DarwinsData.com, PineconeResearch.com and PaidViewpoint.com. (Search "surveys" on RealWaystoEarnMoneyOnline.com for more options.) Then sign up with as many sites as you can. The sites will contact you when surveys that fit your demographic pop up, and you take them right away. A word to the wise: Do not register anywhere that has a membership fee, asks for your Social Security number or bank information, or is vague about payment. There are many survey services out there that are fraudulent.
However, not matter what method you choose to make money online, understand that you might be able to make some money fast, but for the sizable returns, you'll need significant sweat equity. However, a year from now, you'll be happy you started today. Remember, time is far more valuable than money. Focus on creating passive income streams that will free up your time so that you can quit the rat race and focus on the things that matter. That's the important thing here. 
In the annual Village Voice's Pazz & Jop mass critics poll of the year's best in music in 2016, "Work from Home" was tied at number 36, with six other songs.[50] The Arizona Republic[51] and The Fader[52] ranked the song at 28 and 23 in their year-end lists, respectively. Fact[53] ranked it at 34 and Spin[54] ranked it at 94. In its best pop singles list, Digital Spy[55] placed the song at number seven. Elle[56] placed the song in its unranked year-end list.
Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:
Tenants sometimes damage properties, and depending on local laws, they may be hard to get rid of. You'll be the one they call in the middle of the night if the roof is leaking, and you'll have to clean and perhaps freshen up the property between tenants. You can outsource much of this to a property management company, but it will take a cut of your income, often about 10%.
Isabella Biedenhan of Entertainment Weekly wrote that "...slinking beats and playfully sexy lyrics about convincing your partner to skip the boardroom for the bedroom" were notable in the song.[36] The sexual nature and double entendres present in its lyrics, was another point discussed by critics. Spencer Kornhaber from The Atlantic journal noted that "Work from Home" "is typical in portraying freaky bedroom fun as glorious mostly in the bounds of a relationship."[37] Katherine St. Asaph, Pitchfork, expressed an unsatisfied critic about its recording writing that "Fifth Harmony trades in the kind of pop-cultural press-quote feminism where the group can say they are out squash gender roles and “gender-institutionalized thinking” while recording a fantasy of a stay-at-home sexter reassuring the household breadwinner that he’s the boss at home."[22]

And while it will take time to build up a big-enough audience to attract advertisers and other ways to make extra income from your podcast, the opportunity is there. John Lee Dumas interviews entrepreneurs seven days a week for his podcast Entrepreneur on Fire and now makes more than $200,000 a month from it. In fact, John publishes all his income online and showed that he’s made almost $13 million since launching in 2012.
Proz.com is a site where you can get paid to translate all kinds of documents, including files and even conversations. The site provides you with an opportunity to list your services as a translator. They offer opportunities in Spanish, German, Italian, Chinese, Arabic, Japanese and other languages, and specialize in legal, medical, technical and other fields.
Alliance Wealth Management, LLC (“Alliance”) is a registered investment adviser offering advisory services in the State(s) of Illinois and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Alliance in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

It is vital for organizations to convey to teleworkers that data protection and information security are important to an organization, and employees’ actions make a difference in achieving the overall goal of protection of sensitive data. Despite increased awareness and training on security issues, many employees do not take the necessary precautions for deterring security risks.

As long as there is still the written word, there will always be editors. Freelance editing and proofreading not only pays a decent hourly wage, it also gives you the chance to read about potentially interesting topics too. What's more, pursuing freelance writing & editing as a business idea can afford you a lifestyle that lets you travel the world as a digital nomad. You can find lots of job postings from companies and individuals in need of writing, proofreading, and editing services on Upwork, which makes this a high-demand opportunity to make money online.
Phony job listings on legit job-hunting websites. One fraudulent group was listing fake jobs on CareerBuilder, which is an otherwise respectable site. The group was charging a big fee for a background check before consideration of any applicants. Federal, state and local authorities received more than 17,000 complaints filed by people who were ripped off by this particular group. And that’s just the number of people who found their way to complain. Who knows how many others were taken?
25. Products – You can create your own product, such as an ebook or computer software. You would then use your blog as a promotion tool to get people to buy your product. As long as you create a legitimate product with a whole lot of value, you should be able to get some buyers, but like everything else with a blog, you’ll need the traffic to get the sells.
If you’ve got some free time and don’t live in the middle of nowhere, becoming a Lyft driver can be a very lucrative side hustle that allows you make money fast. And right now, they’ve got a promotion going on where any new driver will instantly get a $300 bonus after completing their 100th ride. If you start now and hustle hard on the weekends, you can probably unlock that bonus within a few weeks of driving (and that’s in addition to your normal earnings).
Infographics are currently an extremely popular type of media. An infographic showing information or data in an interesting and fun way can help engage an audience and generate numerous likes and shares. As infographics take more time to create than just simply uploading an image, busy website owners are prepared to pay for custom infographics. And don’t worry, an infographic can be created using simple design software such a Canva. So extensive graphic design skills are not necessary, just a creative eye.
My name is Jamie Spencer and I have spent the past 5 years building money making blogs. After growing tired of the 9-5, commuting and never seeing my family I decided that I wanted to make some changes and launched my first blog. Since then I have launched lots of successful niche blogs and after selling my survivalist blog I decided to teach other people how to do the same.
If you are a creative type, then you could make money online by designing and selling crafty products on Etsy. Etsy sells a range of beautiful and original items from independent suppliers. Categories range from jewelry, clothes, and accessories, to art, collectibles, and vintage. So if you have some stunning crafty creations, Etsy is the perfect platform from which to sell from.
In the annual Village Voice's Pazz & Jop mass critics poll of the year's best in music in 2016, "Work from Home" was tied at number 36, with six other songs.[50] The Arizona Republic[51] and The Fader[52] ranked the song at 28 and 23 in their year-end lists, respectively. Fact[53] ranked it at 34 and Spin[54] ranked it at 94. In its best pop singles list, Digital Spy[55] placed the song at number seven. Elle[56] placed the song in its unranked year-end list.

Work as an online interpreter or translator. If you’re fluent in a foreign language, it makes sense to look for work as an online interpreter or translator. Depending on your individual skillset, you could find work translating blog posts or eBooks, transcribing recorded lessons or speeches for clients, or translating through Skype or another online video service. And, thanks to the increased use of foreign languages in the United States, getting started could really pay off. According to the Bureau of Labor Statistics, employment for interpreters and translators is expected to increase 17% nationally through 2026.


This is a much less important step if you have a regular gig with set hours, but if your workday is a little more amorphous, it’s still important to create some structure. “One of the biggest downsides of working from home is lack of routine,” says Goali Saedi Bocci, a psychologist and author of The Social Media Workbook for Teens: Skills to Help You Balance Screen Time, Manage Stress, and Take Charge of Your Life. “If your schedule is not as structured, you can end up sleeping in all day.”

A lifestyle blogger writes about their everyday life, hobbies, and interests. From fashion, beauty tips, and male grooming, to food, restaurants, and travel, anything that you experience can be blogged about. And famous lifestyle bloggers can make big bucks. Once you have built up a following, there are many ways to make a profit. Add affiliate links to your website, promote sponsored services, create your own product range, and much more.
It doesn’t pay much, but if you’re a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.
FlexJobs, the Boulder-based remote-friendly career postings site, is cutting through the complexity of this question. Each year, they compile a list of the top 100 companies hiring remote workers. This year, though, they’ve created a special list of all the companies who have made their top 100 lists for each of the past five years. While many companies require you to clock in and out each day, the employers on this list don’t care whether you do your work from Santorini or Shanghai.
A while ago, I argued the best company for me isn’t necessarily the best company for you. I still stand by that statement. But many of you have been pounding at my email door and practically twisting my arm asking me for my personal favorite legitimate work at home companies. I was apprehensive about revealing this information because I really want you guys to take action on any legitimate work at home opportunities. But after giving it some thought, it made sense for me to provide you with a few of the ones I do actively work with, to get your started. But keep in mind I still believe that you should make decisions based on what's best for you. So with that said, check out my latest video on one of my favorite BBB listed work at home companies. I’ve been working with this company for years and have made some great money and also acquired a lot of free gadgets such as TVs, Ipods, and much more. (The gadget thing will become a lot clearer when you watch the video.) In either case this company has consistently made me money and has a good standing among work at home seekers that are smart enough to join the company and take advantage of all the ways to earn with them. Hopefully you’ll enjoy the video and will decide to join the company I’ve recommended.

This has become a popular business model for online entrepreneurs over the past several years, and will probably just continue to grow in popularity. The best thing about selling online courses is that once you do the up-front work in creating the course and setting up your marketing strategy, you can get paid over and over again for work you do once. 

Study results from the 2013 Regus Global Economic Indicator were published in September 2013 and showed that 48% of business managers worldwide work remotely for at least half their working week. The study engaged over 26,000 business managers across 90 countries, with 55% of respondents stating that the effective management of remote workers is an attainable goal. Following the release of the results, Regus CEO Mark Dixon stated: "The business people we speak with tell us that trust and freedom play a key role in remote management, and once these are in place the benefits are clear for all to see: greater productivity, improved staff retention and lower operating costs."[21] A living list of fully distributed companies can be found here. Forrester Research’s US Telecommuting Forecast reporting that 34 million Americans work from home and the number is expected to reach a staggering 63 million – or 43% of the U.S. workforce – by 2016. Cisco reports that the company has generated an estimated annual savings of $277 million in productivity by allowing employees to telecommute and telework. And Intuit reports that by 2020, more than 40% of the American workforce, or 60 million people, will be freelancers, contractors and temp workers. In the UK between 2007 and 2012, the number of employees who usually work from home increased by 13% - an increase of almost half a million people, taking the total to over 4 million employees out of a UK workforce of 30 million.[22]
In bad weather, I have a habit of talking myself out of going outside, but you should not! Bundle up, walk around the block, walk in circles, walk to a coffee shop, walk to the drugstore, walk to the train and walk back without getting on. Some people find it helpful to go outside first thing in the morning, before sitting down to work; I prefer midday, but whatever you choose, do it before it gets dark. GET OUTTTTTTT. “Schedule breaks. When you have those breaks, get out of the house,” Cavaiola says. “Take a walk, maybe go have coffee someplace, where you’re going to have contact with others. This way you’re not totally isolated.”
The group is now in front of the construction house, all performing in-sync dance choreography. Some of the dance routines include mimicking the visual to a jackhammer and using a driller. Ally is seen inside the house with a hammer, as she approaches a male construction worker, turning him around by gently grabbing his shirt and flirting with him. In the next scene, Dinah is standing by a wall, and makes her way towards another male worker, opening a blueprint map, and using a tape measure. The scene then shifts to Lauren, who is handling a blow torch.
When it comes to privacy, Mr. Guruswamy says apps like Swagbucks often use cookies to track your information. “So by using Swagbucks, not only is the user giving away a lot of their personal information, they are also opening themselves to being monitored and tracked by all of the Swagbucks affiliates,” he said. “The bottom line is that you have to read the fine print.” Swagbucks is available in the U.S., U.K., Ireland, Canada, and Australia. You can check out the privacy policy here. 

As a stay at home mom I recommend "Medical Coding" as a wonderful work from home option. Yes, you will need training. You can't just code medical records without having proper training. However, this is a real and promising career. I used to work for "Career Step" and they have an awesome Medical Coding course. http://www.referral.careerstep.com/mc?ref=43233 Their training is done online and is self-paced. You could finish the program in 4 months but 6 months is probably more realistic. They do however give you up to a year to get it all done. Their program prepares you to become certified by the American Health Information Management Association and the American Academy of Professional Coders. They work with companies such as CIOX Health, Lexicode, OS2-HCS, TrustHCS, Inovalon, Mckesson that hire their grads to work from home right out of the program. The average salary for this career is about $40,000. Their entire program including books, instructors and job assistance is around $3,000 and they offer sweet payment plans. If you want more info, reference links or have questions let me know @ katherine.b.ashby@gmail.com

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