Returns as of 11/18/2021
Returns as of 11/18/2021
Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services.
Investing can allow your money to work for you. And the effects can be magical if you do it right. In fact, with a smart investment, it’s possible to turn $30,000 into more than half a million dollars while taking very minimal risk.
Sound too good to be true? Here’s the reality of how this can happen.
Image source: Getty Images.
So, how can you turn $30,000 into $500,000 without taking a huge gamble on losing money. It’s simple. Put the money into an S&P index fund and leave it alone for 30 years.
An S&P index fund is an investment designed to mimic the performance of the S&P 500. That’s a financial index made up of around 500 of the largest businesses in the United States. It’s often seen as a proxy for the stock market as a whole, and it’s consistently produced average annual returns of around 10% over the long term.
If you invest $30,000 and earn an average 10% annual return over the course of three decades, you should end up with about $523,000.
To get this half a million-dollar nest egg, you won’t have taken a huge amount of risk either. The S&P 500 doesn’t produce positive returns every year. But consistently over time, large American businesses as a group continue to grow, so losing a lot of money by investing in 500 of them is almost inconceivable. In fact, if you had put your money into the S&P fund at any point and left it alone for at least 20 years, you would have turned a profit no matter how poor your timing was for your initial investment.
While turning $30,000 into $500,000 is effortless and low risk if you invest in an S&P 500 index fund, the key factor with this approach is that you need a lot of time for your money to grow so much.
It’s not impossible for most people to give their money 30 years to grow. If you invested $30,000 by age 35, you’d have your half a million dollar nest egg by the time you reached 65 (a pretty standard retirement age). Since most people start working in their mid-20s or beyond, you’ll have a decade or so to amass $30,000 by age 35 by saving about $3,000 per year.
Now, you may decide you need a larger nest egg than $500,000. In fact, most people will. But the fact that you can turn a $30,000 investment into so much money over time shows the power of investing and leaving your money alone. Of course, once you’ve saved and invested $30,000, you can keep earning and putting that additional money to work for you as well.
You can use the calculators on Investor.gov to figure out how much you’d personally need to put into an S&P fund to hit your target savings amount, and if you stick to your plan, you can feel pretty confident about achieving your savings goal.
Of course, you may also prefer to look into other investments that can potentially provide more than a 10% average return over time. Carefully selecting a mix of individual stocks could allow you to make that happen. But you take on more risk with this approach, so think carefully as you decide which investing strategy is best for you.
If you want to minimize the chances of loss and make sure your money turns into a small fortune over time, investing in an S&P fund and sitting back and waiting could be the way to go.
Discounted offers are only available to new members. Stock Advisor will renew at the then current list price. Stock Advisor list price is $199 per year.
Stock Advisor launched in February of 2002. Returns as of 11/18/2021.
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Do you know how to earn money on YouTube? Make online videos pay – HT Tech
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Being a content creator on YouTube is no easy task, as many have discovered over the years. In fact, to earn money online, the going can be tough. money Merely owning a camera and a high-speed internet connection is not enough to earn money on YouTube and there is no way to know if your content will perform well on YouTube. However, for those with perseverance and enough patience, having a channel with regular content can help you earn money on YouTube. Here is how to earn money on YouTube.
YouTube Partner Program
If you want your YouTube videos to make money on the platform, you must apply to the YouTube Partner Program. However, not all users who apply are accepted – they must fulfil certain requirements before they are accepted. For example, you must live in a valid region where the program is available, have a linked AdSense account, and no active Community Guidelines strikes against your channel. You must also have over 1,000 subscribers and over 4,000 valid public watch hours over the last 12 months at the time of applying to be in the YouTube Partner Program.
Also read: Looking for a smartphone? Check Mobile Finder here.
YouTube Premium revenue
While the YouTube Partner Program can net you a decent amount of revenue assuming you have enough views on your videos, content creators can also make their videos available on YouTube Premium. This will allow users who have subscribed to the Premium version of YouTube to access your content without ads and you can earn a small portion of the membership fees depending on how many views you get.
Thanks to the Merch shelf feature, content creators can lock some content behind a paywall of sorts that allows for members-only access to badges, emoji and other goods on the platform. These memberships can only be enabled if you have a Community tab, you have more than 1,000 subscribers, you’re part of the YouTube Partner Program, and your channel is not marked as Made for Kids or has similar ineligible videos.
Eligible creators on YouTube can showcase their own branded merchandise that can be sold by a retailer. According to Google, the shelf shows up on the main videos tab, and shows up to 12 products to viewers. You will need to have over 10,000 subscribers to set up a merch self on the platform, which is not something every YouTube creator will find easy to reach.
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How to share a Google Doc privately – The Verge
Make sure you know whom you’re sharing it with
Recently, I got Slacked by a colleague who was really annoyed and had to let off a bit of steam. It seems that a writer had shared a new Google Docs article with them (a usual way of submitting a freelance piece), and when my colleague opened the article, they found another, unknown person was already reading it — somebody who was definitely not on our staff.
What had happened? The writer, probably in too much of a hurry to share the document with specific people, had simply made it public so that anybody could have access to it. This not only made the article available to anyone before it had been properly edited and published — something no publication wants — but opened it up to all sorts of mischief.
Mischief like what happened in June 2021, when another editor accidentally tweeted the link to an editable document to their followers. (The Verge’s site was temporarily down, and it seemed like a good idea to publish news to Google Docs in the meantime.) Merriment ensued.
So obviously, allowing anyone to view, comment on, or edit a Google Doc can lead to problems, especially if the link to that document is passed around. Interestingly, when you first create a Google Doc, the software’s default is that this is a private document, only to be shared if you explicitly request it. (There can be exceptions; if this is a business account, the administrator may have changed the default so that it is automatically shared by others in your company.) So usually, you have to consciously make the document completely public.
So here’s how you can share your Google Docs document — carefully.
First, go into the document you want to share and click on the large Share button in the upper right corner.
You’ll get a pop-up window headed “Share with people and groups.”
Begin typing the person or groups’ name into the field just below that. If that person is in your contact list, their name will appear; if not, you can type in their full email address. You can type in more than one name; however, this means that all those you’ve added will be given the same type of access to the document. (We’ll talk about access in a sec.)
When you’ve added at least one name, you’ll see a box to the right that says “Editor.” Click on that for a drop-down menu that lets you select the type of access that the people / group can have to your document. These include:
It’s usually a good idea to select the most restrictive type that’s practical enough for your use case. For example, if you’re writing a document together with several others, you’ll want to give them editor status; but if you don’t want them to make any changes without your approval, then commenter status is better.
(Expert tip: if the people you’ve shared with have changed the document but didn’t tell you what they changed, go to “File” > “Version history” > “See version history.” You’ll see a color-coded rundown on the right showing when the document was edited and by whom; click on the date, and the changes will be visible in the document, together with the color associated with the different users.)
You can also tweak the amount of access that editors, commenters, and viewers have to your document by selecting the settings icon (a cog wheel) in the upper right corner of that pop-up box. By unchecking the boxes in the settings pop-up, you can prevent editors from being able to change your permissions or share the document, and you can prevent editors and commenters from being able to download, print, and copy the document.
Once you’ve finished adding the people you want to share with, make sure the “Notify people” box is checked if you want to send them an email letting them know about the document; a field below that lets you type in a personal message that will be added to Google’s canned email.
But wait, there’s more.
There is a “Get Link” section below the “Share with People and Groups” section that lets you copy the link to your document (for example, if you’d rather text the link to one of your permitted sharers). The default is called “Restricted,” which means the only people who can see the document are those you’ve shared it with. But you can also use the “Get Link” section to make the link more accessible to more people.
To do that, click on “Restricted” and change it to “Anyone with the link.” That means anyone who has the link — whether you’ve sent it, or a friend has sent it, or it’s been posted to Twitter — can access the document. (Even here, however, you can adjust access so that people have either Viewer, Commenter, or Editor rights.)
Sharing a document is also possible — if slightly more awkward — on a mobile device.
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Stripe Helps Creators Boost 'Internet GDP' With Help of Platforms, Payments and Subscriptions – pymnts.com
The platform economy, combined with the creator economy, is primed to help artists, musicians and podcasters, among others, turn their talents into money.
As Lily Q. Jolly, product lead for Stripe Express, told PYMNTS in an interview, making it easy to pay creators — in the way they want to be paid, and through subscriptions — will add significantly to the “GDP of the Internet.”
To that end, Spotify said this week that it is broadening its podcast subscription offerings, underpinned by Stripe’s payment infrastructure, to include paid monthly content. Podcast Subscriptions, now tied to Stripe Connect, supports currencies and payments across 34 countries, from Austria to the U.S.
Read Also: Stripe Teams With Spotify to Drive Subscription Monetization for Creators
Jolly stated that the creator economy, though relatively nascent, has seen creators across dozens of platforms (in partnership with Stripe) earn about $10 billion in revenue, and enabling more individuals to earn “livable wages” (in the U.S., that’s at least $69,000 annually).
As Jolly noted, the creator space is a slice of the economy that barely existed a few years ago. Until recently, the creators themselves spread their offerings across a slew of platforms, navigating different payment systems and currencies.
“They are trying every which way to make a living out of this,” she said.
The pact with Spotify follows linkups where Stripe has powered tipping on TikTok and Twitter on its Super Follows paid subscriptions.
Read Also: TikTok to Allow Users to Tip Favorite Creators
In terms of the mechanics, cross-border payments can be sent and received in different currencies, while other Stripe offerings such as invoicing and Stripe Billing help bill for the subscriptions.
Monetizing the Content
With the pact, she said, “Spotify has leaned in really hard when it comes to enabling their creators to monetize what they do.”
Streamlining payments and pivoting toward subscriptions can make it easier for creators to experiment while making money online. Recurring revenues from subscriptions can be a lifeline. The Subscription Podcast with Spotify enables creators to make money in a predictable way. As she noted, “we all enjoy being able to have a sense of how much money we are going to make.”
“The goal is to be as broad as we can,” she said, with presence in countries with less-developed banking and payments infrastructure.
With the subscription model, she said, creators can offer and monetize content that their followers love, routinely, versus having to nudge their audience every single time a new podcast comes out.
NEW PYMNTS DATA: AUTHENTICATING IDENTITIES IN THE DIGITAL ECONOMY – DECEMBER 2021
About:More than half of U.S. consumers think biometric authentication methods are faster, more convenient and more trustworthy than passwords or PINs — so why are less than 10% using them? PYMNTS, in collaboration with Mitek, surveyed more than 2,200 consumers to better define this perception versus use gap and identify ways businesses can boost usage.
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