Connect with us

How To?

NFL Week 12 odds, picks, schedule, how to watch, streaming: Expert picks, teasers, survivor picks, more –



Play Now
Football Pick’em
Play Now
College Pick’em
CMC, Deebo, Cook and More Injuries
Covering the impact of coronavirus on the sports world
If the Thanksgiving slate taught us anything, it’s that the home field isn’t always the advantage that it’s cracked up to be. Each road team came away victorious on Thursday, further proving just how difficult it can be trying to predict these contests. Thankfully, you’ve come to the right place if you’re looking for some expert advice on what to do in Week 12 as games get set to kick off.
Each week, we’ll collect all of the best picks and gambling content from and SportsLine in one place, so you can get picks against the spread from our CBS Sports experts as well as additional feature content for each game, including plays from top SportsLine experts and the SportsLine Projection Model, best bets from our staff, survivor picks and more.
All NFL odds via Caesars Sportsbook.
Which picks can you make with confidence in Week 12? And which Super Bowl contender goes down hard? Visit SportsLine, as their incredible model simulates every NFL game 10,000 times and is up almost $7,300 for $100 players on top-rated NFL picks since its inception six years ago.
Time: Sunday, 1 p.m. ET (CBS), stream on Paramount+ (click here)
Open: Bengals -4, O/U 45.5
Current: Bengals -3.5, O/U 45
“QB Ben Roethlisberger bounced off the injury list and enjoyed his most productive game of the season. Big Ben’s play can be all over the map, but his track record in this series is impressive. Cincy usually has no trouble scoring with 34, 41, 31 and 32 points in four of its last five games. A 34-point game between the rivals in Week 3 and the return of impactful Steelers on defense have conspired to shrink this total — too much.” — Mike Tierney on why Steelers-Bengals are part of his teaser picks for Week 12. 
A veteran sportswriter whose work appears periodically in the New York Times and Los Angeles Times, Mike Tierney has covered the NFL for decades and reported from seven Super Bowls. He’s crushed the NFL, going 347-291 on all NFL picks from 2016-20, returning $2,534 to $100 players. You can see all of his teaser picks for the week over at SportsLine.
Time: Sunday, 1 p.m. ET (Fox), stream on fuboTV (try for free
Open: Buccaneers -3, O/U 51
Current: Buccaneers -3, O/U 53
“The challenge for [Jonathan] Taylor this week is that he’s going up against the best rushing defense in football. The Buccaneers have only given up 784 rushing yards on the season (78.4 per game), which is crazy when you consider that no other team in the NFL has even surrendered less than 880 yards. They are truly an immovable object, unless you’re trying to pass the ball on them, then they’re not so immovable, but I’m not convinced Carson Wentz is going to have much success throwing the ball against Tampa. 
“As I noted last week, I cracked the code to picking Colts games, but then the code blew up in MY FACE. Heading into Week 12, the Colts are 6-5 on the season, but here’s the key part: They’re 6-0 this year when they rush for more than 125 yards in a game and 0-5 when they rush for less than 125, so all you have to do is figure out whether they’re going to rush for 125 yards against the Tampa Bay. Last week, I said they wouldn’t hit that number against Buffalo and look who got the last laugh. It definitely wasn’t me. This week, I’ve decided I don’t want to be laughed at so I’m taking the Colts.” — CBS Sports writer and Pick Six Podcast super friend John Breech on why he’s picking the Colts to upset the Buccaneers. To read the rest of Breech’s picks, click here
Time: Sunday, 1 p.m. ET (Fox), stream on fuboTV (try for free)
Open: PICK, O/U 43
Current: Panthers -2, O/U 42
“Miami is trending up and Carolina’s going the wrong way. It’s looking more like Carolina caught Arizona on a bad day than the Panthers are a real wild card threat. I love the way Miami’s defense is playing right now.” — CBS Sports NFL insider Jonathan Jones on why he likes the Dolphins this week against the Panthers. To read the rest of his picks along with some insider notes, check out his full story here. 
Time: Sunday, 1 p.m. ET (CBS), stream on Paramount+ (click here)
Open: Patriots -5.5, O/U 44.5
Current: Patriots -7, O/U 43.5
“This is such a spicy game. The Titans have losses against the Jets and Texans (it’s hard to even read that out loud) bookend wins against the Chiefs, Bills, Saints and Rams. Figure that out. I don’t think it applies here, because Bill Belichick is out for vengeance. He’s REAL quiet right now and his team is rolling. The Pats have found their identity — efficient play from a clutch young quarterback with a great run game and a sneaky defense — and when that happens the AFC is usually in big, big trouble. The line has gotten a little out of hand here. I probably wouldn’t bet Pats -7 but I did bet Pats -5.5 a lot when it landed. I think New England comes out to issue a statement here relating to their seeding intentions in the AFC. Belichick knows there are two weeks before his bye and he has Tennessee and Buffalo on the schedule. Go 1-0 twice and everything is front of you.” — CBS Sports NFL analyst and Pick Six Podcast host Will Brinson on why he’s backing the Patriots to cover the 7-point spread against Tennessee. 
Time: Sunday, 1 p.m. ET (Fox), stream on fuboTV (try for free)
Open: Eagles -3.5, O/U 46.5
Current: Eagles -3.5, O/U 45.5
“The Eagles are riding high, while the Giants are playing on a short week after a terrible showing against the Bucs Monday night. So why do I like the Giants? I just think they will respond after a poor performance to play better on both sides of the ball. They will limit the Eagles run game, which has keyed them playing better. The Giants pull off the upset.” 
CBS Sports Senior NFL analyst Pete Prisco not only is predicting the Giants to cover, but to pull off the upset against the Eagles at home. To read the rest of his picks, click here
Time: Sunday, 1 p.m. ET (CBS), stream on Paramount+ (click here)
Open: PICK, O/U 47.5
Current: Falcons -2, O/U 46
“The Falcons have lost two straight games, but they remain alive in the playoff chase. Jacksonville looked terrible last week in losing to the 49ers, but the Falcons aren’t nearly as physical as the 49ers. The Jaguars will stay in this game behind their defense. It’s not a pretty game, but the Jaguars pull off the upset.”
CBS Sports Senior NFL analyst Pete Prisco — who is 85-77-3 ATS this season — is predicint a low-scoring affair between the Falcons and Jaguars on Sunday with Jacksonville coming out on top. To read the rest of his picks, click here
Time: Sunday, 1 p.m. ET (CBS), stream on Paramount+ (click here)
Open: Texans -3, O/U 44
Current: Texans -2.5, O/U 44.5
“The Texans are 5-5 ATS this year, but that’s because they’re usually pretty big underdogs. Just twice this year have they closed shorter than eight-point ‘dogs: Week 1 at home against the Jaguars, in a line that clearly didn’t make sense on its face; and in the game before their bye, when they lost by eight as four-point ‘dogs in Miami. This will be their first appearance as favorites this year, and that should fire off some alarm bells for you.” — R.J. White in his SuperContest picks for Week 12. 
R.J. has cashed twice in the Westgate SuperContest, widely considered the toughest sports gambling competition in the world. He’s also hit on over 57% of his picks over the past six years combined. You can see all five of his Week 12 picks against the SuperContest lines and the Circa Sports Million lines by heading to SportsLine.
Time: Sunday, 4:05 p.m. ET (CBS), stream on Paramount+ (click here)  
Open: Broncos -2.5, O/U 47
Current: Broncos -2.5, O/U 47.5
Before you lock in your survivor picks for Week 12, you have to check out which teams the SportsLine projection model is backing. The model, which simulates every NFL game 10,000 times, enters Week 12 on an incredible 130-91 run on top-rated NFL picks that dates to the 2017 season. It is also up almost $7,300 for $100 players on top-rated NFL picks since its inception six-plus years ago. 
For Week 12, the model does eye the Chargers pulling out a win over the Broncos in over 50% of simulations, but that’s not the highest winning percentage out of the teams in this upcoming slate. If you want further analysis before making your pick, check out what the SportsLine Projection Model says about the slate of Week 12 survivor options over at SportsLine. 
Time: Sunday, 4:25 p.m. ET (Fox), stream on fuboTV (try for free)
Open: Packers -2, O/U 50
Current: Rams -1, O/U 47
“The Rams offense has been in a funk. After lighting the NFL up for the first two months of the season, they managed only 26 points in two games against the Titans and 49ers before last week’s bye. Well, I think the bye will do a lot of good for this Rams team that has had to work in new players on both sides of the ball and now faces the Packers in what will be a massive game for NFC playoff seeding.
“Of course, the Packers offense is humming itself. Green Bay ranks 12th in the league in points per drive at 2.29, but it had its best performance of the season last week in a 34-31 loss to Minnesota. I think this game will look a lot like that one, and while it might not get up to 65 total points, it should reach the 50s, which is more than enough to get us over the total.”
That CBS Sports Tom Fornelli explaining why he’s backing the Over in the Rams-Packers game on Sunday. To read his two other best bets for Week 12, click here
Time: Sunday, 4:25 p.m. ET (Fox), stream on fuboTV (try for free)   
Open: 49ers -3, O/U 48.5
Current: 49ers -3, O/U 49
“A large facet of NFL gambling is being able to pick what I call “spots.” Letdown spots or spots where one team can make the other uncomfortable. The 49ers cashed for us big last week, but I’m fading them this go-around. They thrive off of their defense and run game. What happens when they go down by a touchdown or more? The Vikings have now led by seven or more points in every game they have played this season, and they are the only team in the NFL to do that. Kirk Cousins has an NFL-high 10.5 TD/INT ratio and Justin Jefferson is thriving. Does the Minnesota run defense have to step up to contain San Francisco’s ground game? Of course. But I expect this to be a close game and I really think the Vikings win. 
“Additionally, eight of the 10 games the Vikings have played this season have had their results determined on the final play. The Vikings are 3-5 in those games, but you can still get a push out of this number. Of course, that’s worst-case scenario.” 
Our guy Jordan Dajani is taking the three points with the Vikings as they head into San Francisco to face the 49ers. Jordan is well above .500 on his top five picks this season, so this contest is worthy of your attention. Head over here to see the rest of his picks for Week 12. 
Time: Sunday, 8:20 p.m. ET (NBC), stream on fuboTV (try for free
Open: Ravens -4.5, O/U 46.5
Current: Ravens -3.5, O/U 47
SportsLine expert Mike Tierney has been stellar on his picks involving both of these teams. In his last 18 picks involving the Browns, he’s 12-4-2 against the spread. With the Ravens, he’s 21-11 on his last 32 picks! He certainly has his finger on the pulse of both of these clubs and — while we can tell you he’s leaning Under the total — he’s also found a critical X factor that has him favoring one side of this matchup. To see what that is, check out SportsLine
Time: Monday, 8:15 p.m. ET (ESPN), stream on fuboTV (try for free)
Open: Seahawks -2, O/U 46
Current: Washington PICK, O/U 46.5
SportsLine expert Mike Tierney has covered the NFL for decades and reported from seven Super Bowls. He’s used all that experience to pile up an impressive 187-147 record against the spread the past three full seasons. Tierney is also an outstanding 24-11-1 in his last 36 picks involving Washington, so you’ll want to know which team he likes on Monday night. We can tell you he’s leaning Under the total, but he knows a crucial X factor that makes one side of the spread a must-bet. 
To check out which way he’s leaning, you’ll have to head over to SportsLine. 
© 2004-2021 CBS Interactive. All Rights Reserved.
CBS Sports is a registered trademark of CBS Broadcasting Inc. is a registered trademark of CBS Interactive Inc.
Images by Getty Images and US Presswire


Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply

How To?

How do You Make Money on TikTok? – Small Business Trends



TikTok the short video sharing platform has taken the internet by storm in recent years. The social media platform for short-form videos that span from fifteen seconds to three minutes has garnered over a billion users and downloaded over 200 times in the US alone. Tik Tok content creators often use their smartphones to create and share popular short videos that include dancing, comedy, and education, and more. This has opened up opportunities for businesses to collaborate with content creators to transform their brands and reach out and engage with customers. Below are some great ways where content creators are making money on Tik Tok.

if(typeof __ez_fad_position!=’undefined’){__ez_fad_position(‘div-gpt-ad-smallbiztrends_com-box-4-0’)};

Can You Earn Money on TikTok?

There are many ways where you can make real money as a Tik Tok influencer. besides creating content there are many options where you as a TikTok user can make some serious money.

12 Amazing Ways to Make Money from Your TikTok Account

Social media channels offer great monetization opportunities, if you are asking how do you make money on TikTok, there are many ways on how to use TikTok for business here is how you can do it.

1. Join the TikTok Creator Fund

TikTok’s Creator Fund rewards creators for creating engaging and popular videos on the platform for the number of views they get on their videos. To participate in TikTok’s creator fund scheme you will need to be 18 years of age or older, be a legal resident of one of the 50 states; meet a minimum following threshold of 10,0000 authentic followers; have at least 100,000 authentic video views in the last 30 days; and post original videos in line with TikTok’s community guidelines.

2 Sell Merchandise to TikTok Users

One of the great perks of being a social media influencer is you can also use your popularity for selling merchandise. As part of your influencer marketing strategy, you can use your platform to sell artistic works, t-shirts, clothing lines, memorabilia, and other merchandise to your followers.

3. Create Sponsored Content

Another way to generate some revenues through your TikTok channel is through sponsored posts. As a social media influencer, you can partner with brands and create sponsored posts to help promote products and services.

4. Make Money from TikTok Ads

TikTok ads offer good opportunities for businesses to widen their reach among customers. You can start making money through TikTok For Business by using in-feed video ads, branded Hashtags, brand takeovers, and branded effects to help you capture some good ad revenues.

5. Accept Virtual Gifts

TikTok users can purchase gifts and coins from their profiles. They can then gift their virtual gifts and coin payments to their favorite TikTok creators during live TikTok videos where creators in return can then cash them in and get real money.

6. Grow and Sell TikTok Accounts

Sometimes businesses would like to have a presence on TikTok but don’t know how to go about it. You can help them out by organically growing followers along a particular niche selling TikTok accounts on sites like 123accs, Accfarm, and Fameswap. If you plan on creating a side hustle by flipping TikTok accounts, you will need to build a strong content strategy, engage with followers regularly, and publish regular content to boost engagement.

7. Manage influencer campaigns

You can also manage influencer campaigns by acting as a middleman between a TikTok creator and a brand. As an influencer campaign, you help businesses connect with TikTok influencers and make sure key campaign activities are accomplished in return for a fee.

if(typeof __ez_fad_position!=’undefined’){__ez_fad_position(‘div-gpt-ad-smallbiztrends_com-medrectangle-4-0’)};

8. Management services

You can also make money from TikTok by offering management services for creators. Here you can render your services by helping them with a content strategy such as meeting content production goals, capitalizing on offers, and helping them grow their following.

9. Place affiliate links

You can also opt to participate in affiliate programs by placing links on your TikTok post descriptions or even your bio channel to generate some money.

10. Promote music track

You can use your TikTok to help promote music tracks by incorporating them in your videos and get paid for them.

11. Become a brand ambassador

Brands are always looking for influencers that can help them steer customers towards their products and services. As a brand ambassador, you help brands boost their presence on social media, spread positive messages about, and influence consumer sales. In addition to getting paid you as a brand ambassador not only get paid but also get to expand your professional network as well.

if(typeof __ez_fad_position!=’undefined’){__ez_fad_position(‘div-gpt-ad-smallbiztrends_com-leader-1-0’)};

12. Join TikTok’s Creator Marketplace

You can join TikTok’s Creator Marketplace to work with sponsors and brands and all you have to is mention their product or service in your videos. To be eligible you will need to have at least a hundred thousand followers TikTok’s Creator Marketplace comes with an analytics tool for businesses that helps them identify your engagement reach, views, and demographics.

How to Make More Money with TikTok Videos

Now that you know some of the ways you can make some serious bank with TikTok here are some tips on how to make more money with TikTok videos.
Create, create: Your success will rely on your ability to upload consistent content regularly. You will need to continuously create compelling content for your followers to continue to like, share and encourage others to start following you.
Nurture a huge following: Just like other social networks, the secret to your success lies in how many followers you are able to garner. You will need to get as many followers as possible, and this requires that you regularly upload videos. The more followers you have would mean the more influence you will have on TikTok.

if(typeof __ez_fad_position!=’undefined’){__ez_fad_position(‘div-gpt-ad-smallbiztrends_com-large-mobile-banner-1-0’)};

Engage with your audience: As a TikTok influencer besides generating the content, you will also need to actively interact with your followers. This means you will need to listen to them, produce content they seek, answer queries and produce live streams.
Promote your content on other social media platforms: You can help improve your chances of discoverability and engagement by opting to promote your TikTok channel on other platforms such as Instagram, Facebook, or YouTube.

Look to create multiple income streams from your account: To really generate some good income look towards expanding the revenue streams available to you. This will not only help you diversify your income but also increase your network and opportunities to make more money.

How many views do you need to get paid by TikTok?

To start earning money directly from TikTok, you must be 18 years or older, have at least 10,000 followers, and have accumulated at least 100,000 video views in the last 30 days.

if(typeof __ez_fad_position!=’undefined’){__ez_fad_position(‘div-gpt-ad-smallbiztrends_com-large-mobile-banner-2-0’)};

How much money do TikTokers make?

TikTokers with large followings can make anywhere between $ 200 to $ 5,000 a month, depending on the size of their following. The amount of money TikTokers make will vary due to many factors, including localities, million followers and views. Creators who make videos that include dance and music often get the highest engagement and revenues in millions of dollars. For example, 19-year-old TikToker Josh Richards has earned over a million dollars through sponsorship deals with Reebok and Houseparty.
Image: Depositphotos

More in: Online Marketing, TikTok Comment ▼

Your email address will not be published. Required fields are marked *


Small Business Trends is an award-winning online publication for small business owners, entrepreneurs and the people who interact with them. Our mission is to bring you “Small business success, delivered daily.”
© Copyright 2003 – 2022, Small Business Trends LLC. All rights reserved.
“Small Business Trends” is a registered trademark.


Continue Reading

How To?

How to Make Some Money With Photography This Weekend – Fstoppers



Whether you’re an amateur or a new professional, money from photography will likely be on your mind. This video follows a photographer as he goes out and tries to do just that. (Warning: some strong language.)
When I first started out trying to make money from my photography, I went the brute force route that North Borders, the YouTuber behind this video went too. That is, contacting as many companies as possible, talking with the owners, and seeing what’s available. It’s a hard method to mentally withstand as you are going to receive rejections left and right. However, you only need one job to come in from a stint of canvassing for work to make it worth it, generally speaking.
In this video, North Borders goes around local cafés asking if they need any photography done for their social medias. You’ll see straight away that people reject you as almost a knee-jerk reaction. Eventually though, these guys get a small job (and then an unrelated bigger one). You might look at how much they earned and wonder if it was worth it, but I can assure you, the value often exceeds the money that initially crosses palms. You grow your network with local businesses, and open the door for repeat work.
I think North Borders did well in this video, but I’d have changed a few things if I were them. Firstly, I would have had a business card with me. People old and young will ask you for them, and while he offers his Instagram instead, I think a card with his details and Instagram would have been far more valuable. Also, and this is simply because I have a background in sales, bowing out at the first “no” someone gives you is seldom necessary or a good idea. It’s most often a failure on your part to demonstrate your value or the value of your product.
Nevertheless, these guys went out on a Saturday morning and ended up securing two jobs and some connections. Perhaps you could do the same.
Robert K Baggs is a professional portrait and commercial photographer, educator, and consultant from England. Robert has a First-Class degree in Philosophy and a Master’s by Research. In 2015 Robert’s work on plagiarism in photography was published as part of several universities’ photography degree syllabuses.
Check out the Fstoppers Store for in-depth tutorials from some of the best instructors in the business.
Cold calling is basic sales 101 that is not exclusive to photography. What I think could improve this a bit is having a value proposition ready that is more than “do you need photos” and mitigating objections that come up.
For example the objection of ” we don’t have any social media” could have been mitigated with a value proposition of setting it up for the business, creating some content for them to start with and teaching them the basics of a platform. This could turn into an ongoing client relationship making more content and would be longer term better value from a business perspective than a one time purchase.
Overall I think the video makes a good point about in person sales, and that the 10 – 5 -1 theory of cold calls still applies but it would be nice to show a bit of progress from the first cold call, to refining the sales process a bit.
If you cold call on businesses .. you will probably get more no soliciting reply’s than sales.
Cold calling a business doesn’t always have to entail asking if they want to hire you. There’s the common sales mantra of the call to action that you have to *ask* for a sale. This doesn’t have to be “do you need some photos taken”. It can simply be a flyer with an example of your work, then you simply introduce yourself, hand them a flyer, and then say “give me a call if you need some work done” – thank them for their time and then leave. Quite a bit of the time they’ll say “wait” and then talk to you about your work. People don’t like to be put on the spot and basically be asked “hey, you have to make a decision right now if your going to spend money”.
I’m in a restaurant for lunch so can’t hear the video but after watching a few seconds of it (jumped to 2:50 and watched him get shut down quickly) gave me the impression that he has no idea what he’s doing. And that’s coming from a person on lunch break… From his SALES JOB. I’ve been in sales since 2003 after graduating college and in that time I’ve won 5 national sales awards and more honors/recognitions than I can count and I’ve been a sales trainer the last 4 years. I’ve only had two years where I was ranked below the 50% mark in the nation and I’m usually in the top 20%. I share all of that so that hopefully my analysis here carries some weight.
-He doesn’t look professional – a suit and tie is unneeded (hell, I wear scrubs to work – medical device sales) but he should at least ditch the graphic t-shirt
-He doesn’t have a card or method of contacting him other than forcing the potential client to write something down. Worst case, email them (while standing there) so you have each other’s contact info.
-No portfolio to show immediately – prints would be amazing and far more impactful than showing on a tablet or phone, but even those might work. All he has is a camera and the person he’s talking to may very well have one “just like it”, or maybe their parent does.
-He doesn’t say WHY he chose that business or why he thinks he can offer value to them – an example could be: I checked out your web presence and I think that some images like these (shows portfolio) THAT I TOOK of ______ (business) could really show off the very best of what your business/store has to offer your customers instead of relying solely on images shared on review websites
-No upsell to offer like a photo package vs a store front only image, video, website (re)design, SEO recommendations, etc. Even if he can’t do these things he should let them know that he has great contacts who could help them if they need it.
-No attempt at differentiation from the general public (as mentioned previously) or other photographers
-Most importantly there was no attempt to learn ANYTHING about the business or the person he was talking to. You can’t (or at least shouldn’t) sell a solution until you know what the customer thinks (or agrees) the problem is
This was just HORRID. But, based on the editorial it sounds like he landed 2 jobs. Imagine if he had a clue…
$150 for an entire day of traveling around town and cold calling, and finally a photo shoot. I think this video plays more like what practices to avoid as an emerging photographer.
Plus it’s a 2 guys team $75/each. But wait there is more! these guys seem to be from Australia where 1 AUS $ = $.70 US. Ouch! I’ll admit I don’t have all details but it sounds like a day of fast food pays more, provides the uniform while these guys use their own gas, car and camera. I’m open to review and get more details, but that’s my conclusion for now.
My eyes just got burned out! Of my 38 years in marketing and sales, this is a big no-no in the industry. You never ever want to do a cold call in this why. It conveys to the customer you are not a professional. I could have walked right behind him and made a sale. Heck, I think I could have charged double the price. This kid has no clue.
Why did he fail on the coffee shops that said no? He didn’t show the managers his works. He didn’t show how great photos could help boost business. You first need to do your homework. A quick search, you can find out if a company is in need of photos. If they have a great looking website and good looking facebook and/or Instagram account, then you would be wasting your time and gas money to physically visit them. If you find that they could use your services, grab your iPad and make a demo of what you can do for them. It needs to be mind-blowing photos. Let the product sell itself!
If the owner is good with doing the photoshoot that day, make sure you bring all the gear for the photoshoot. I notice the guy didn’t have any light modifiers or any lights. I’m not talking about the large studio equipment, but they could have used the portable lights that fit in your camera bag. Bringing in that gear not only improves product photography, it also impresses the owner that he’s getting professionally made photos. It also helps to dress up for the part. Would you trust a fireman that shows up in blue jeans and a t-shirt to fight a fire? What if he only brought one fire extinguisher? Where’s the firetruck I would ask!
Timing is also important. Anyone who has worked in the restaurant industry knows, you never show up during rush hours. You will be shown the doors even if you were giving away free gold bars. Hours between 2 and 4pm are the best times to meet with a manager. Other businesses, say like a gift shop, you could approach them an hour after they’ve open. Business is usually slower in the mornings. Never ever go an hour before closing time. They are usually doing closing chores and are just wanting to go home. Also, people are getting off work and wanting to get their last-minute shopping done before heading home.
Cold calling can work if you do your research of the business, create a presentation of your works, dress the part, and bring your lights, you can make some quick cash. As someone once said, “Never go into battle until you know that you already have won.”
It is laughingly stupid to try to sell your photography without presenting your photos immediately on business cards, postcards, a photo album, or even an iPad portfolio of your work. Why would a business owner hire you to create engaging marketing photos when you don’t do the same?


Continue Reading

How To?

How to invest £1,000 – The Times



This article contains affiliate links that can earn us revenue.
You’ve saved hard and now you want to know how to invest £1,000. This is a very sensible move and is more likely to make your money grow.
In this article, we set out:
Yes, this is a good amount to start investing with, but bear in mind that you should keep your money tied up in investments for years and it will be at risk. This is why you should have an emergency cash buffer of between three and six months’ earnings before you start investing.
You can keep this emergency cash in an easy-access savings account. Once you have this safety net of savings, investing £1,000 is a good starting point to buy shares or funds.
Many people worry that they don’t have enough money to invest, but there is no set amount needed to get the ball rolling.
With interest rates at record lows and inflation eroding the value of your cash, any lump sum of money in your savings account could be losing value.
An initial lump sum of £1000 could definitely help you generate some decent returns. Some investment websites or companies have a minimum amount you will need to invest, while others will consider those who are putting in a small amount of money every month.
You might want to consider a combination of the two:
When we see the word ‘investment’, many of us instinctively think to invest in stocks and shares directly on the stock market.
One way to invest your money is to buy shares, but there are other investment options as well.
Types of investment include:
Investing is not for everyone, and your decision on whether it is right for you, and if so where and how to it, will depend on a number of factors:
Your current financial situation: When you invest, the value may go up as well as down – the tighter your budget, the less comfortable you might feel with losing money and this will affect what types of investment you pick. Ask yourself ‘can you afford to lose it?’.
Your risk level: Everyone’s tolerance for risk is different and knowing what yours is will affect the type of investment that is suitable for you. If you’re not sure or afraid of the potential of losing money when investing, it might be worth getting financial advice from an adviser who can use specialist questionnaires and suggest the right types of product for you.
Your timeframe: When do you need to use the money? Some types of investment are more volatile than others, so although they may perform well over time, they are a bad idea if you know you are going to need the money in the relatively short term.
If you don’t need the money until you retire in several decades’ time, you can usually afford to take more risk in the hope of a higher return.
The best way to make money is to remain invested for at least five years because this increases the likelihood that your investment will rise over time. You should also spread your risk by investing in lots of different types of investments.
While investing can give you a financial boost, your money is at risk. In other words, there is no guarantee that your investment will rise and make you money.
We have a free investment course for beginners. Here’s module one.
There is no one ‘best’ way to invest £1000. The most suitable strategy for you will depend on the desired outcome, as well as risk appetite and timeframe.
Here are some types of investments to consider:
Funds: You can also invest in the stock market by buying and selling funds. These have a mixture of different shares in them, either chosen by an expert manager or designed to track a specific section of the stock market.
They include exchange traded funds, bought and sold on the stock market but tracking the performance of an index such as the FTSE 100 index of the biggest companies.
Funds can dilute the risk of investing in the stock market by spreading your investment.
While there is a lot of hype about cryptocurrencies such as Bitcoin, the truth is that these are highly volatile investments. While you might make a great deal of money, the price of Bitcoin, and other similar assets, moves about very fast so there is no guarantee that you will be investing at an opportune time.
Find out more: Should you invest in bitcoin?
If you do want to buy Bitcoin, the most common way is to use a cryptocurrency exchange. According to the most recent FCA report into these currencies, the most common exchanges to use are Coinbase*, Binance, Kraken, Bittrex and Bitfinex, all of which are based overseas.
You will need to check out trading costs and how to hold the Bitcoin in a ‘digital wallet’ to keep it safe.
Investing always carries a risk. The value of money you invest can go up as well as down. What is important is that you understand how risky the investments you are choosing are and that this matches your circumstances. You can also take mitigating steps such as making sure your portfolio is well diversified. If in doubt, take advice from a professional.
Investment platforms online allow you to invest money almost instantly, by transferring money from your bank account to the platform electronically. However it is important to take time understanding the assets you are investing in before taking the plunge.
The returns from investing £1000 vary hugely depending on your timeframe and the level of risk you are prepared to take.

The most recent edition of Barclays’ Equity Gilt Study, which looks at returns on different types of investment from 1899 onwards, shows that over ten years to 2019, shares returned 4.9 per cent a year, and gilts (government debt) returned 3.6 per cent.

Meanwhile leaving money in cash meant that it declined in value by 2.5 per cent due to inflation.
*All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see How we make our money and Editorial promise
Join our Couch to £5K challenge this January — six weekly newsletters to help you reach your financial goals.
By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters
Join our Couch to £5K challenge this January — six weekly newsletters to help you reach your financial goals.
By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters
By entering your details, you agree these will be used according to our privacy policy. When you subscribe, you will also receive our weekly newsletter too. You can unsubscribe, although if you do you will stop receiving both newsletters
Times Money Mentor has been created by The Times and The Sunday Times with the aim of empowering our readers to make better financial decisions for themselves. We do this by giving you the tools and information you need to understand the options available. We do not make, nor do we seek to make, any recommendations in relation to regulated activities. Since we’re not regulated by the Financial Conduct Authority, we’re not authorised to give you this sort of advice. Where we give providers or products a customer experience rating or a product rating, these are compiled against objective criteria, using information which has been collected by our partner Fairer Finance. In some cases, we may provide links where you may, if you choose, purchase a product from a regulated provider with whom we have a commercial relationship. If you do purchase a product using a link, we will receive a payment. This will help us to support the content of this website and to continue to invest in our award-winning journalism.
© Times Newspapers Ltd 2022. Registered in England No. 894646. Registered office: 1 London Bridge Street, SE1 9GF.


Continue Reading