How To Make Money Blogging

I make money blogging in a variety of ways.

I like to keep my income sources as diverse as possible.

But today I want to share one of the easiest ways you can make money blogging – or actually, make more money blogging…

As you know, I’m a Super Affiliate. The majority of my income online comes directly from Affiliate Marketing, and has for a good number of years now.

But lately I’ve really been branching out. One reason is diversification, the other is testing. I’m constantly studying new ways to make money blogging, and I’ve been seeing a fast-growing trend I simply cannot ignore…

Working With Brands, Sponsors & Advertisers

There is nothing new about online advertising as a source of income. Advertisers and Sponsorships have been around for as long as I have. Which is forever in Internet years (lol). That said, in the last few years, more and more mainstream brands are coming online to connect with their target markets directly – and they’re investing heavily in two things: Facebook and Bloggers.

Over the last year I have been doing tons of research on how those companies choose bloggers to work with, and where the “lucky bloggers” are getting their profitable brand connections.

There’s A LOT of money (and products!) changing hands in certain circles. ?

While doing my research, I’ve been testing a few options – and I’m very pleased with the results so far. It’s true that many brands research, find and contact bloggers directly. And while there are ways you can set yourself up to be selected (which I’m still testing, and will blog more about soon), there’s an easier way to get noticed – and more importantly, get paid. ?

Make Money Blogging with SocialSpark

One of my best sources is SocialSpark.

They’re a network that acts as a go-between for Brands and Bloggers. You simply sign up and submit your blog(s), and companies that are looking for reviews and exposure will choose relevant niche blogs for sponsored blog post opportunities.

I’ll give you some live examples of posts I’ve done for SocialSpark, to give you a better idea how it works. One is this post for Logo Mojo, where I earned $150 to write the post. Payouts are based on your reach and traffic, of course.

Another great example was the Fellowes Shredder Giveaway post. Not only did I earn $150 for writing the post, but I also received a FREE shredder ($239.99 value) AND they gave one away to one of my lucky readers! As you know, giveaways bring in a lot of traffic, so it was a very beneficial opportunity in addition to the payment.

Another Reason to Love SocialSpark!

SocialSpark also has a new Blog Display Advertising Network to help bloggers better monetize their blogs and connect them with as many brands as possible.

I am not using it, because you must have Google Analytics installed to qualify (and I currently do not). But this is another GREAT opportunity to earn money! ?

I was actually one of the beta testers for their ad network a couple months ago, until they required Google Analytics, and passively earned almost $80 just by displaying the code temporarily (literally, for just 2-3 weeks!). They have me just about tempted to install GA on my properties. LOL. I can be slow.

Basically you put the code in your sidebar, just like you would for an affiliate offer or a sponsor. It rotates relevant advertising, and you get paid monthly. So it’s like having a sponsor except you don’t have to worry with the management details!

Joining their ad network will help increase your chances for Sponsorship opportunities too, so that’s a great reason to use that once you join SocialSpark.

At any rate, I’m going to give you full disclosure here. They are currently running a contest for new referrals, and I would really like to win. I LOVE a good challenge! So if you have ever considered working with brands, or making more money with your blog, I would be thrilled if you sign up through my referral link today. ?

Once you sign up for SocialSpark, be sure to sign up for the ad network as well. You’ll get offers and leads by email, but you can also go into your account and browse the Marketplace for opportunities.

AND you can express interest in specific Brands (go to Account > Brands).

How To Start An Internet Business

When you research how to start an internet business, you should be leery!

Sadly there are countless scams out there, preying on your lack of knowledge. And many “opportunities” that are seriously misleading in terms of what to expect.

It’s all very frustrating, I know. The truth is, it’s not at all difficult or expensive to set up an online business. In fact, it’s quite simple!

What You Need To Know First…

Yes, you can earn a great income online. Unfortunately there are many advertisements, programs, opportunities (and scams) that make it very confusing – and grossly misrepresent what you need to invest, and what you can expect in return.

The first thing you need to know is that an Internet Business is just like any other business. It’s not the lottery or a “get rich quick” opportunity. Understanding that going in, and treating it like a business, is the key to getting started on the right foot.

The trick is in finding the right combination of business model and topic/niche for you specifically. Your business will be unique to you in many ways, so you want to keep an open mind when you’re considering what you want to do – and why.

Expecting all the answers from someone else, or searching for a blueprint where you can just follow the steps without investing yourself personally, is an employee mindset. You want to get into the mindset of an Entrepreneur instead, and figure out what you can CREATE. Every business is an opportunity to express yourself, share your best talents and personal assets, and serve a market.

You may not know exactly what that business is going in, and that’s okay.

Be flexible and be ready to learn and change as you go.

Your best ideas will come to you while you’re actively working, once you dive in and get your feet wet – not while you’re… researching. ?

But don’t worry. It’s not rocket science.

In fact, none of it is nearly as difficult as some people and programs make it out to be. And unlike an offline business, you can start an online business on a shoestring budget, and still build a very successful venture with HUGE profit potential!

How To Start An Internet Business… Successfully

Put some serious thought into it upfront because your business will become a very big part of your life. And done right, it will be something you seriously enjoy! I can tell you from firsthand experience that some business models are no fun at all – they’re simply work. Even way more work than any “job” you’ve ever had.

See: How to Choose A Niche

Another thing I highly recommend is that you connect with people who are already doing what you want to do. Find a community or group of like minded people online where you can brainstorm and share resources. This will be invaluable while you’re getting started and going through the steps of setting up your business.

I invite you to join us at the ClickNewz Forum. It’s a great group of action takers and savvy online business owners on all levels!

And if you would like personal help with your business, every step of the way, see: Getting Serious About Making Money Online.

Once you’ve chosen a topic and model, everything else is just a matter of steps to get your business set up online. You’ll likely have questions along the way, or you may need feedback about choosing the right niche – or angle within that niche. That’s where a helpful community comes in. ?

Next, see How To Make Money Online For Beginners and follow the simple 10-Step Checklist at the end of that post to get started.
Take action today and get your successful Internet Business off the ground!

Best,

p.s. If you have questions about how to start an internet business, leave a comment below. I’ll be happy to answer your questions, or direct you to a resource or free tutorial here on ClickNewz to help you through the step you’re on. So ask away! ?

How to write a blog post that brings readers and makes sales?

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1. Keyword Phrase

The biggest part of learning how to write a blog, is learning to write exactly what your readers want. You find that out through keyword research, and you deliver it through keyword optimization.

So choose a topic and then pick a keyword phrase that best suits your topic. Or choose a keyword phrase, and create content around it.

You won’t always find a great keyword phrase to match the topic you want to blog about. That’s okay. Your readers will appreciate a few off-the-wall posts that are written more for “visitor optimization” than search engine optimization. ?

I chose a longtail keyword phrase for this blog post: “how to write a blog”

2. Title

The title of your blog post is incredibly important. Arguably one of the most important elements of the entire post. The post title also becomes the page title (meaning it is used in the Title Tag and shows up in the Title Bar of the browser window). It also becomes the Anchor Text for the hyperlink in the search results – meaning this is what people will see and read when they are deciding which result to click on. And whammy #3 – your post title becomes the Anchor Text for all of the inbound links pointing to this post that are created automatically through your blog.

Your title needs to be interesting and engaging. It has a big job – it compels people to click through and start reading. Two things go into a really great title: a keyword phrase, and a little copywriting skill.

If you happen to create a really long title for your blog post, consider editing the permalink. You might use a shorter version of the title, that still includes your keyword phrase. Here is an example from the blog post you are reading now:

Speaking of permalinks, if you want your post links to look as nice as mine see: Smart Permalink Structure. And here’s a bonus tip for you – that permalink structure allows me to use shortened versions of the URL on sites like Twitter.

3. Image

Images engage your reader, break up long boring text, illustrate points – and they can also be used to draw the eye in specific directions.

Since my topic is “how to write a blog post” I simply used screenshots, which can be very effective. Other options for images within your posts include:

Your own images/photos
Flickr
Inexpensive stock photos

4. Content

I actually write the content last, after I have outlined the other 6 elements, and simply type in a placeholder to start. But once I have my blog post outlined I sit down to flesh out the content. I often do this in outline format as well, and then go back to flesh out each point into a paragraph or so.

5. Call-to-Action

This element ranks right up there with the Post Title as one of the most important things you can include in your blog post. The call-to-action lets your reader know exactly what they should do next, and why.

Ask yourself: why am I writing this post? Why are they reading this post? What ONE action do I most want them to take after they read my post? (Never assume it’s obvious.)

Don’t leave your reader hanging. You owe it to them to lead them to the next best click. See: Using a Call To Action

6. Signature

A signature serves two purposes. First, it tells your readers who you are and that you care enough to identify yourself and sign off appropriately.

You can do this via plain text, or you can create a signature image like the one that I use. There are free signature makers around the web, or you can sign a piece of paper and scan it into your computer.

Oh, and the second purpose – it is a nice thing to have above a P.S. ?

See: Dear Mystery Blogger (It might be YOU!)

7. PS

You see it at the end of long sales letters. You see it in email marketing. Start using it in your blog posts, too! This is one last chance to make an important point, or share an important link. It is best used for supporting your call-to-action.

Readers who scan your blog posts will catch the title, the images, the sub-headlines, the bullet points and the PS. Use it wisely!

Bonus: The 8th Element

Once I have my blog post written, but before I publish it, there’s one more thing that I add to top it off.

Links.

I like to link back to posts in my archive wherever relevant, both for internal links (SEO) and for the readers reference. This helps to keep your archived blog posts fresh, and connects similar discussions.

I also link out to other blog posts on the same topic, written by other bloggers. This creates a pingback or a trackback on their blog, usually in the comments area of the post I link to, and is also good for both of the same reasons.

For the best results, link to blog posts that rank well for your keyword phrase – or better yet, a similar more competitive keyword phrase. That way you can benefit from having a link on this high-traffic blog post that is related to the topic of your own blog post.

You can check that post to see if other trackbacks appear before you decide to link to it. Some bloggers don’t allow them, or don’t have a theme that shows them.

Of course, is the blog post is really great – you might want to share it with your readers anyway…

How To Start a Blog – Beginner’s Guide for 2017

Why you should create a blog and join the blogging community

So below, I’m going to outline exactly what you need to do to get started and set up your own personal blog. Before we dive in though, I really want to talk about WHY you should build a blog.

Note: If you already have a solid idea of the whys, then skip this and go right ahead with the guide.

Blogging has quickly become one of the most popular ways of communicating and spreading information and news. There are literally millions of blogs online (don’t worry, you can make yours stand out and get noticed!).
It’s a great way to express yourself and also a fantastic way to share information with others.
You become a better person and a better writer.
The best reason? You can make money doing it!
I bet you already knew all of that, but it’s nice to be reminded.

One very last thing before we get started:

Creating your own blog can take a little while, probably up to 30 minutes. So grab yourself a coffee or juice (whatever you fancy) and let’s get stuck in. If you need any help during the set-up process, get in touch with me here and I’ll help as best I can and answer any questions you might have).

Disclosure: This guide to starting your own blog contains some affiliate links. If you purchase a service through one of these links I may earn a small commission, this is at no extra cost to you.

The Steps Covered In This Blogging Guide

It’s nowhere near as difficult as setting up a website from scratch (there’s very little technical ability needed here). In fact, there’s no coding required by you. Good news, huh?

How to Start a Blog in 5 Steps:

There’s five main steps you need to do in order to start a blog. If you follow this guide exactly, you’ll have your own blog set up in 30 minutes or less.

Choose your preferred blog platform
Choose web hosting for your blog
Setting up a blog on your own domain
Design your blog
Useful resources for blogging
So, we made it. Phew. Better late than never! So, without further ado, let’s jump into step 1.

Step 1 – Choose your preferred blogging platform

Choosing where you want to build blog is pretty much the first thing you have to do. I’m going to take a leap and assume you’ve heard of WordPress, and this is the platform I advocate. It’s massive.

It’s by far one of the biggest blogging platforms in the world, with countless plugins and add-ons and almost infinite ways to design and layout your blog.

There are more than 82 million active users of WordPress = a lot, basically.

wordpress

There are other alternatives however, and they are listed below:

Blogger – Definitely the next best thing to WordPress.
Tumblr – Half social network, half blog. Interesting, and very simple to use.
Even though WordPress is bigger (and probably better) than those two, here are my reasons why you should still go with WordPress:

Super easy set-up and is free to use
Tons of free themes and layouts (I’m not kidding, there’s gazillions).
There’s a massive support forum in case you get stuck (you won’t, but it’s nice to have it there if you need it).
Your blog will be insanely fast and it’ll also look Functionality and form – perfect!
People can interact with you easily. Your content can be shared, commented on, and so on.
Here’s an article about different blogging platforms (including WordPress), give it a read:

How to Choose a Blogging Platform – (updated for 2017)

Now, Step 2 (see, we’re moving fast now!)

Step 2 – Self-hosting or a free alternative?

Whoa, slow down there! This is the biggest decision you’ll have to make before we go any further. You need to decide whether to pay for your blog or grab a free one.

WordPress, Tumblr and Blogger all offer free blogs for anyone. Awesome, right? It’s perfect for those of us who aren’t super serious about blogging. But it does have downsides:

1) You won’t be able to get your OWN domain name

On a free blog, your blog’s web address (your URL) will be butt-ugly. Like, really ugly. In short, create a free blog with any other the above free blog services and it’ll look like this:

yourblog.wordpress.com
yourblog.blogspot.com
yourblog.tumblr.com
I know, ugly right?

2) Limits and more limits

There are some limits to free blogs. You can’t fully monetize it, and you don’t have the possibility to upload all those videos and images you want to show everyone – it’s all limited. Worse still, you won’t even have access to the free themes offered by WordPress.

3) You DON’T OWN your blog

It might sound silly at first, but you don’t actually own your blog. It’s hosted on someone else’s web property and they can delete it if they want so. They have done so in the past, and keep doing it in the future. Which means all your hard work on your blog, all those countless hours of writing blog posts might be vanished within seconds. Sad…

On the other hand, with a self-hosted blog on your own domain name – you are the REAL owner of your blog. You’ll be able to name your blog whatever you want, for example “YourName.com” or “YourAwesomeBlog.com. You can end it with .com, .co.uk, .net, .org, or virtually any other web suffix. Add to that unlimited bandwidth for videos, images and content plus the free themes and you have a winning combo.

So how much is hosting and a domain name? Not as much as you’re thinking, fortunately. It usually works out to about $5 to $10 per month, depending on your hosting provider which is less than a couple of coffees.

If you still have questions, here’s some further information for you to look at:

Should I Choose a Hosted or Non-hosted Blogging Platform?
Step 3 – Start a blog on your own domain (if you chose self-hosting and a custom domain)

wordpress blogging platform

I’m going to push ahead based on the premise you’ve chosen WordPress, and if you haven’t, you should. Seriously, it’s the best.

If you’re still a little confused by what a self-hosted blog is, allow me to explain and how you can go about setting one up for yourself.

You’ll need to come up with a domain name you like and also choose a hosting company that can host your blog.

Domain: The domain is basically the URL of your website. Examples: google.com (Google.com is the domain), Facebook.com (Facebook.com is the domain). See? Simple!
Hosting: Hosting is basically the company that puts your website up on the internet so everyone else can see it. Everything will be saved on there. Think of it as a computer hard-drive on the internet where your blog will be saved.
Personally, I use iPage (for my blog domain and hosting), and I’ve got nothing but good things to say about it. It’s probably one of the cheapest (less than $2.50 per month) hosting providers out there. A domain name will cost around $10-15 a year, but with iPage they throw that in for free :). Big smiles for that! They’re the providers I use for all of my blogs, including the one you’re reading right now.

If for any reason you don’t want to go with iPage, feel free to choose your own hosting company. Most, if not all of them, should have a “one-click” WordPress install solution on their admin panel.

That button will automatically install WordPress on your blog. Did I say it was simple or what?

All you need to do is sign up with iPage (or your chosen provider), choose your hosting plan and a domain name and look for the one-click WordPress install button on the admin panel.

WordPress essentials aren’t often needed, but I’d recommend whois privacy (that will keep all your personal details private) and definitely automated backups (this’ll save your website just in case anything fails or disappears, so you won’t lose any or very little of your blog).

I have a more in-depth tutorial on building a blog with iPage here.

Start a Blog with iPage today and get an exclusive discount plus a free domain name

Once WordPress is installed on your website, all you have to do to start blogging is go to your WP-Admin page usually www.yourblognamehere.com/wp-admin and start writing by adding a new post.

At the start, the layout looks confusing, but it gets very understandable quickly. Don’t worry!

Step 4 – Designing your WordPress blog

Now, the fun bit.

Let’s make your blog look exactly how you want it to. To choose a new theme, you can either head to Appearance > Themes and install a free WordPress theme or you can head to a premium theme website like ThemeForest.net and buy a theme for around $40.

I usually choose something that looks professional and pretty easy to customise. WordPress also has this awesome feature that allows you to change themes with just a few clicks. So if you start getting tired of your current blog template, you can just switch to another one without losing any precious content or images.

choose-blog-theme

Remember, your blog’s design should reflect both you and your personality, but also what the blog is about. There’s no point having a football-orientated theme if your blog is about tennis, understand?

On top of that, it should be easy to navigate if you want people to stick around. If it’s tricky and difficult to move around it, people won’t stay. Design is a subjective art; meaning everyone likes different things.

But no one likes ugly websites, and they especially hate websites that need a university degree to navigate. Make it easy for them.

For more reading, I’ve put together 3 blog posts about designing your blog. Feel free to check them through.

Blog Design: Keep It Clutter Free and User Friendly
Advice for Blog Design and Blog Goals
Is there any software I can use to make my own graphics, button, and banner?
Last step! Woo!

Step 5 – Useful Resources For Beginner Bloggers

Bloggers come to blogging arena with varying degrees of online and social media experience, but we’ve all made more than a few newbie mistakes – there’s always room for more learning and improvement, whether you’re a beginner or you’ve been blogging for years.

These articles may help you avoid some of the growing pains when it comes to your first blog – enjoy!:

5 Beginning Blogging Mistakes You Can Fix
Choosing a Blogging Niche

Blogging – What is it and Why is it Popular?

A Brief History of Blogging
Initially, blogging involved a personal web log, in which a person would journal about their day. From “web log” came the term “blog.”

Like most new innovations on the Internet, many entrepreneurs saw a marketing potential in having a blog, and blogging took off from there. Not only can a blog be used for marketing, but also, a blog can be a home business in and of itself.

Blog Versus Website
Many people are still confused over what constitutes a blog over a website. Part of the problem is that many businesses use both, integrating them into a single web presence. But there are two features of a blog that set it apart from a traditional website.

Blogs are updated frequently. Whether it’s a mommy blog in which a woman shares adventures in parenting, a food blog sharing new recipes, or a business providing updates to its services, blogs have new content added several times a week.
Blogs allow for reader engagement. Blogs are often included in social media because of the ability for readers to comment and have a discussion with the blogger and others who read the blog makes it social.
Why Is Blogging Is So Popular?
There are several reasons why entrepreneurs have turned to blogging.

Search engines love new content, and as a result, blogging is a great search engine optimization (SEO) tool.
Blogging provides an easy way to keep your customers and clients up-to-date on what’s going on, let them know about new deals, and provide tips. The more a customer comes to your blog, the more likely they are to spend money.
A blog allows you to build trust and rapport with your prospects. Not only can you show off what you know, building your expertise and credibility, but because people can post comments and interact with you, they can get to know you, and hopefully, will trust you enough to buy from you.

Blogs can make money. Along with your product or service, blogs can generate income from other options, such as advertising and affiliate products.
Is there a Downside to Blogging?
Blogging is popular because it works as a marketing tool and makes money. But blogging isn’t all rainbows and unicorns in the world of online income. Before starting a blog as a means to make money or to promote your existing business, you should consider these potential downsides:

Blogging requires a great deal of time. For blogs to be effective at SEO and engaging readers, it needs to be updated regularly. The Internet is littered with abandoned blogs that haven’t been updated in months or even years. The success of blogging comes from having people return, and they only return when there’s new stuff to read. That means generating content at least several times a week, which takes time.
You need ideas to write about. To keep the content coming, you have to have ideas to write about. The good news is that you don’t have to write it all. You can have guest writers or hire freelancers. Another option is to curate content from others or do an alternative post, such as using video.
The payoff isn’t immediate. One of the biggest frustrations with blogging is that it’s time-consuming with little payoff in the beginning. It takes time to build up a readership and momentum.

How to Start a Blog
The good news is that starting a blog or adding a blog to your existing site is relativity easy and affordable. There are free blog options such as WordPress.com and Blogger, but to retain control and professional image, consider investing in a domain name and hosting, and installing WordPress or other content management system on your host. Most webhosts offer this.

Once your blog is up and running, you need keep it active with new content to grow your business. While your blog can compliment an existing business, it’s also a great way to add additional income. You can promote other companies’ products and services in affiliate marketing. You can offer advertising or feed ad networks on to your blog. If you have a service business you’re promoting with your blog, you can create your own information products to compliment it.

Or, if you have your own product, you can offer a service.

Finally, like all other business ideas, your success comes from marketing, and letting your target market know about your blog. Great ways to reach your market are through social media, email list, and reaching out to other bloggers, podcasters, and media outlets for publicity.

14 Best Online Jobs from Home – No Investment to Earn Money

Online Jobs are the excellent ways to make good money working from the comfort of your home. Almost all online jobs are without investment.

More than 560,000 members are earning $1000 (Rs60,000) or more using the guidelines provided in SureJob Online Jobs training.

Most of the people even make $5000 or more from the online jobs mentioned here. You can work part time or full time.

So if you are searching for Online Jobs then there is no better place then SureJob because of these 4 important reasons-

We provide not 1 or 2 but more than 10 online jobs.
We provide only best genuine and tested jobs to make money online.
And all the online jobs are Free & without Investment.
No Qualification, Experience or Technical Knowledge required for any online job.
14 Best Online Jobs from Home
Read below about each and every online jobs below. Please spend time to understand each & every online jobs given below so that it will be easy for you to start & make money.

online jobs

Get Paid to Read Ads
Online Micro Jobs
Online Survey Jobs
Online Captcha Solving Jobs
Blogging from Home
Affiliate Jobs
Freelancing Jobs
Online Writing Job
Mystery Shopper
Data Entry Jobs
Buy Sell Domain
Sell Photos Online
Earn Money from YouTube
Selling Online
FREE Signup for Our Online Jobs Training Pack
1. Easy Online Jobs (Get Paid to & Read Ads)
This is one of my favorite online jobs and easiest way to earn money online.

online jobs from home

Advertisement is one of the biggest business in the world. Companies spend thousands to millions of dollars in advertising as per their budget.

And their prime goal is to reach their words to people like you & me.

And they are even ready to pay you for watching these ads. Check the video below to see my live income proof.

There are number of websites where you can signup for getting paid for reading ads.

After signup, you can login to these sites on regular basis & click on the ad links given in your account dashboard.

So its great online job for people who can spend 10-20 minutes daily on their PC. More ads you will check, more money you will earn.

You can see one of the live video proof of our earnings from this online work-

This is an old video. At present I am earning $1000 from just 2 sites provided in the link below.
Check here for the List of 5 Most Trusted PTC Sites

2. Online Micro Jobs
Micro jobs simply means small jobs (or tasks) which takes few seconds or few minutes to complete. There are dozens of sites like Amazon Turk, MicroWorkers which provide online micro jobs.

You can earn 5 cents to $1 for completing each task (depending on the time duration of the tasks).

There are hundreds of small tasks like sharing a page, giving review or rating for a product or page, writing a short article, searching something from Google, creating a testimonial or many other simple & easy tasks.

If you work 1-2 hours a day then you can earn $500 to $1000 if you live in USA, UK, Canada etc. & Rs 6,000 to Rs15,000 if you are from India or other country.

Signup here for Micro Jobs & all other jobs. Absolutely FREE.

3. Online Survey Jobs
Online surveys are another best way to earn money on internet. In online surveys, different companies ask for your opinion for their product or services, so that they can increase their sales.

Here you can signup with different companies who provide this online job. Once you join with online survey companies, they will send you the surveys in your email.

You can complete them & get paid.

online survey jobs

The major problem here is, there are few handful of companies who are genuine, provide surveys & pay for them.

If you search online, you will find hundreds of online survey sites but only a few are genuine sites.

Once you signup for SureJob online jobs training, you will get free access to all the sites & instructions to work on these sites.

If you are from USA, UK, Canada or other English speaking countries then you can check MoneyConnexion Online Jobs that give access to legit sites to make more income.

4. Captcha Solving Online Job
Captcha solving is one of the best online data entry jobs. You must be familiar of captcha. Whenever you create an account, you must have come across this type of image-

online captcha solving jobs

There are many companies & individual who wants to create thousands of accounts daily on popular sites. They use software to create the accounts.

But these captcha image prevent them to create automatic accounts on these sites.

So you need to become a captcha solver and enter the character correctly into the software. There is a very huge demand for captcha entry worker.

You can solve 1000 captchas in 1 to 2 hrs depending on your speed.

You can earn $1 to $2 for every 1000 captcha you solve. If you work on 2-3 sites then you can earn minimum Rs. 10,000 to Rs. 15,000 per month.

There are dozens of sites which provide Captcha entry work but we have selected 10 most genuine sites which have good feedback from their workers & the sites has good payment history.

You can refer this Captcha entry work link to know more details about Captcha work & to signup with top 10 Captcha entry job providers.

Signup here for Captcha Entry Job & all other online jobs. All without Investment.

5. Blogging
Blogging is another best online work from home. You can create a free or paid blog (recommended) and make money from your blog.

There are 3 steps to start this-

Create a blog (It’s simple)
Publish quality content once in a week
Promote your blog
Creating a blog & posting something on your blog is simple. There are number of ways to make money from your blog.

My favorite way is Google AdSense because you get paid every time a visitor on your blog clicks on any AdSense ad.

Blogging is my full-time online job and I make excellent income from this. You can see this Video for my AdSense earning.

We have created one of the best training material for blogging and AdSense. Many people are making great income using our SureJob Training.

And don’t worry, this package is absolutely FREE & you can get it after signup.

6. Affiliate Jobs
Affiliate program is nothing but a way to promote the products of popular sites like Amazon, eBay, Flipkart etc. and get paid for your promotion.

Amazon affiliate is one of the best affiliate program whether you live in USA, UK, India or any other country.

All the shopping sites provide affiliate program & they pay you 4% to 15% for each & every sell through your promotion.

There are number of ways you can promote your affiliate products. Our free pack will explain you about all the promotional methods in a very simple methods.

Its the right time to start this online job opportunity as our country is becoming digital & cashless.

Only thing you need is our training. And yes, its without investment.

7. Freelancing Jobs
freelance online jobs

Freelancing means provide your services to your clients. Most of your clients are temporary. You can leave them as & when you want.

You can work on your own terms & still make lots of money.

Truly, freelancing job is one of the best work from home jobs to make big income. All you need in this business is some skills. It can be anything.

If you know something most demanding, you will make more money.

Skills like writing, online promotion, web design, coding, singing, advising, creating videos, photography, image editing & many.

There are various freelance websites where you can signup & get lots of freelance work online.

8. Online Writing Job
If you have interest in writing then this online job is best for you. Online writing jobs are becoming popular because each and every website on internet demands regular content to update their website.

You can get paid $5 to $20 per article depending on the content length.

There are many websites where you can find online writing jobs and few of them are Fiverr, Elance, Freelancer.com etc.

Even if you don’t have any idea of writing but want to earn money through this online job, then you can learn & start practicing and follow the blogs like CopyBlogger to become a good writer.

Once you are good to write, you can join the above mentioned sites, get the writing jobs and start making money.

9. Mystery Shopper
In this concept, you have to become a secret agent of the company & try different products of the company at their outlets.

Here you have to check your experience as a client & submit your feedback to the company.

e.g. Raymond wants to know, what treatment their customers get, when they go for shopping at their outlet in a particular city.

Or a chain of hotels want to know, how their customers feel while they stay at their hotels.

You have to actually shop or stay at hotels & all the expenses are provided by the company. You will get paid for sharing your experience.

10. Data Entry Jobs
There are various types of data entry jobs available in India & globally. But there are hundreds of companies who cheat the people for providing fake data entry jobs.

data entry jobs

What they want is your registration amount & once you pay them by becoming a member, they will not respond you.

They will provide you with fake jobs with difficult terms & once you submit the work, you won’t get paid.

Remember 2 things-

Never pay any fee for any type of data entry or typing jobs.
Check the reputation of the company by searching in Google. Search in Google with keywords like “company name + complaints” or “company name + review” etc. You will really get the
You can find 6 best places to find genuine data entry jobs here .

11. Buy Sell Domain
If you are looking for something that can make you great money then this business idea is for you. You can buy domains at low prices from GoDaddy or other domain registrar and then sell it to the needy people for much higher price.

Here you need to do the research to find good domains and book them. After sometime, you can put your domains for auctions.

You can get minimum 10 times to 1000 times of the original domain price depending on the quality of the domain name.

12. Sell Photos Online
This is another online job you can earn good income from. Now a days, everyone has got their own smartphone.

If you like to shoot good photos of nature, animals, real life incidents, places etc. then you can sell your photos on number of photo selling websites like PhotoBucket, Shutterstock, iStock etc.

So next time, you use your mobile phone to shoot photos, you try to catch good photographs and sell these photos on the above sites.

13. Online Jobs from YouTube
Not only you can make good money from YouTube but also become internet celebrity from this online job.

Here you need to become a YouTube partner and then upload some quality videos on your YouTube channel.

YouTube pays you when people watch your videos.

We have created a training on how to start a YouTube channel, how to create videos and everything you need to start earning from this program.

14. Selling Online
If after reading the title “selling online”, you think, this work is not for you then you are wrong.

There are many normal people like you who are earning good regular income by selling different products on sites like eBay, Amazon, Flipkart and others.

I personally know dozens of people who are making excellent income selling simple products online.

You just need to find out a good product, signup on any or all of these sites, list your product with your price and start selling the same.

You don’t need to talk to anyone to sell online on these sites. You will receive the order in your mailbox and then deliver the same through a courier or post.

So you can see, there are numerous ways of earning money from online jobs sitting at home. All you have to do is review them thoroughly & then focus on one that fits in your interest.

14 Best Online Jobs from Home – No Investment to Earn Money

Online Jobs are the excellent ways to make good money working from the comfort of your home. Almost all online jobs are without investment.

More than 560,000 members are earning $1000 (Rs60,000) or more using the guidelines provided in SureJob Online Jobs training.

Most of the people even make $5000 or more from the online jobs mentioned here. You can work part time or full time.

So if you are searching for Online Jobs then there is no better place then SureJob because of these 4 important reasons-

We provide not 1 or 2 but more than 10 online jobs.
We provide only best genuine and tested jobs to make money online.
And all the online jobs are Free & without Investment.
No Qualification, Experience or Technical Knowledge required for any online job.
14 Best Online Jobs from Home
Read below about each and every online jobs below. Please spend time to understand each & every online jobs given below so that it will be easy for you to start & make money.

online jobs

Get Paid to Read Ads
Online Micro Jobs
Online Survey Jobs
Online Captcha Solving Jobs
Blogging from Home
Affiliate Jobs
Freelancing Jobs
Online Writing Job
Mystery Shopper
Data Entry Jobs
Buy Sell Domain
Sell Photos Online
Earn Money from YouTube
Selling Online

1. Easy Online Jobs (Get Paid to & Read Ads)
This is one of my favorite online jobs and easiest way to earn money online.

online jobs from home

Advertisement is one of the biggest business in the world. Companies spend thousands to millions of dollars in advertising as per their budget.

And their prime goal is to reach their words to people like you & me.

And they are even ready to pay you for watching these ads. Check the video below to see my live income proof.

There are number of websites where you can signup for getting paid for reading ads.

After signup, you can login to these sites on regular basis & click on the ad links given in your account dashboard.

So its great online job for people who can spend 10-20 minutes daily on their PC. More ads you will check, more money you will earn.

You can see one of the live video proof of our earnings from this online work-

This is an old video. At present I am earning $1000 from just 2 sites provided in the link below.
Check here for the List of 5 Most Trusted PTC Sites

2. Online Micro Jobs

Micro jobs simply means small jobs (or tasks) which takes few seconds or few minutes to complete. There are dozens of sites like Amazon Turk, MicroWorkers which provide online micro jobs.

You can earn 5 cents to $1 for completing each task (depending on the time duration of the tasks).

There are hundreds of small tasks like sharing a page, giving review or rating for a product or page, writing a short article, searching something from Google, creating a testimonial or many other simple & easy tasks.

If you work 1-2 hours a day then you can earn $500 to $1000 if you live in USA, UK, Canada etc. & Rs 6,000 to Rs15,000 if you are from India or other country.

Signup here for Micro Jobs & all other jobs. Absolutely FREE.

3. Online Survey Jobs

Online surveys are another best way to earn money on internet. In online surveys, different companies ask for your opinion for their product or services, so that they can increase their sales.

Here you can signup with different companies who provide this online job. Once you join with online survey companies, they will send you the surveys in your email.

You can complete them & get paid.

online survey jobs

The major problem here is, there are few handful of companies who are genuine, provide surveys & pay for them.

If you search online, you will find hundreds of online survey sites but only a few are genuine sites.

Once you signup for SureJob online jobs training, you will get free access to all the sites & instructions to work on these sites.

If you are from USA, UK, Canada or other English speaking countries then you can check MoneyConnexion Online Jobs that give access to legit sites to make more income.

4. Captcha Solving Online Job

Captcha solving is one of the best online data entry jobs. You must be familiar of captcha. Whenever you create an account, you must have come across this type of image-

online captcha solving jobs

There are many companies & individual who wants to create thousands of accounts daily on popular sites. They use software to create the accounts.

But these captcha image prevent them to create automatic accounts on these sites.

So you need to become a captcha solver and enter the character correctly into the software. There is a very huge demand for captcha entry worker.

You can solve 1000 captchas in 1 to 2 hrs depending on your speed.

You can earn $1 to $2 for every 1000 captcha you solve. If you work on 2-3 sites then you can earn minimum Rs. 10,000 to Rs. 15,000 per month.

There are dozens of sites which provide Captcha entry work but we have selected 10 most genuine sites which have good feedback from their workers & the sites has good payment history.

You can refer this Captcha entry work link to know more details about Captcha work & to signup with top 10 Captcha entry job providers.

Signup here for Captcha Entry Job & all other online jobs. All without Investment.

5. Blogging

Blogging is another best online work from home. You can create a free or paid blog (recommended) and make money from your blog.

There are 3 steps to start this-

Create a blog (It’s simple)
Publish quality content once in a week
Promote your blog
Creating a blog & posting something on your blog is simple. There are number of ways to make money from your blog.

My favorite way is Google AdSense because you get paid every time a visitor on your blog clicks on any AdSense ad.

Blogging is my full-time online job and I make excellent income from this. You can see this Video for my AdSense earning.

We have created one of the best training material for blogging and AdSense. Many people are making great income using our SureJob Training.

And don’t worry, this package is absolutely FREE & you can get it after signup.

6. Affiliate Jobs

Affiliate program is nothing but a way to promote the products of popular sites like Amazon, eBay, Flipkart etc. and get paid for your promotion.

Amazon affiliate is one of the best affiliate program whether you live in USA, UK, India or any other country.

All the shopping sites provide affiliate program & they pay you 4% to 15% for each & every sell through your promotion.

There are number of ways you can promote your affiliate products. Our free pack will explain you about all the promotional methods in a very simple methods.

Its the right time to start this online job opportunity as our country is becoming digital & cashless.

Only thing you need is our training. And yes, its without investment.

7. Freelancing Jobs
freelance online jobs

Freelancing means provide your services to your clients. Most of your clients are temporary. You can leave them as & when you want.

You can work on your own terms & still make lots of money.

Truly, freelancing job is one of the best work from home jobs to make big income. All you need in this business is some skills. It can be anything.

If you know something most demanding, you will make more money.

Skills like writing, online promotion, web design, coding, singing, advising, creating videos, photography, image editing & many.

There are various freelance websites where you can signup & get lots of freelance work online.

8. Online Writing Job

If you have interest in writing then this online job is best for you. Online writing jobs are becoming popular because each and every website on internet demands regular content to update their website.

You can get paid $5 to $20 per article depending on the content length.

There are many websites where you can find online writing jobs and few of them are Fiverr, Elance, Freelancer.com etc.

Even if you don’t have any idea of writing but want to earn money through this online job, then you can learn & start practicing and follow the blogs like CopyBlogger to become a good writer.

Once you are good to write, you can join the above mentioned sites, get the writing jobs and start making money.

9. Mystery Shopper

In this concept, you have to become a secret agent of the company & try different products of the company at their outlets.

Here you have to check your experience as a client & submit your feedback to the company.

e.g. Raymond wants to know, what treatment their customers get, when they go for shopping at their outlet in a particular city.

Or a chain of hotels want to know, how their customers feel while they stay at their hotels.

You have to actually shop or stay at hotels & all the expenses are provided by the company. You will get paid for sharing your experience.

10. Data Entry Jobs

There are various types of data entry jobs available in India & globally. But there are hundreds of companies who cheat the people for providing fake data entry jobs.

data entry jobs

What they want is your registration amount & once you pay them by becoming a member, they will not respond you.

They will provide you with fake jobs with difficult terms & once you submit the work, you won’t get paid.

Remember 2 things-

Never pay any fee for any type of data entry or typing jobs.
Check the reputation of the company by searching in Google. Search in Google with keywords like “company name + complaints” or “company name + review” etc. You will really get the
You can find 6 best places to find genuine data entry jobs here .

11. Buy Sell Domain

If you are looking for something that can make you great money then this business idea is for you. You can buy domains at low prices from GoDaddy or other domain registrar and then sell it to the needy people for much higher price.

Here you need to do the research to find good domains and book them. After sometime, you can put your domains for auctions.

You can get minimum 10 times to 1000 times of the original domain price depending on the quality of the domain name.

12. Sell Photos Online

This is another online job you can earn good income from. Now a days, everyone has got their own smartphone.

If you like to shoot good photos of nature, animals, real life incidents, places etc. then you can sell your photos on number of photo selling websites like PhotoBucket, Shutterstock, iStock etc.

So next time, you use your mobile phone to shoot photos, you try to catch good photographs and sell these photos on the above sites.

13. Online Jobs from YouTube

Not only you can make good money from YouTube but also become internet celebrity from this online job.

Here you need to become a YouTube partner and then upload some quality videos on your YouTube channel.

YouTube pays you when people watch your videos.

We have created a training on how to start a YouTube channel, how to create videos and everything you need to start earning from this program.

14. Selling Online

If after reading the title “selling online”, you think, this work is not for you then you are wrong.

There are many normal people like you who are earning good regular income by selling different products on sites like eBay, Amazon, Flipkart and others.

I personally know dozens of people who are making excellent income selling simple products online.

You just need to find out a good product, signup on any or all of these sites, list your product with your price and start selling the same.

You don’t need to talk to anyone to sell online on these sites. You will receive the order in your mailbox and then deliver the same through a courier or post.

So you can see, there are numerous ways of earning money from online jobs sitting at home. All you have to do is review them thoroughly & then focus on one that fits in your interest.

Five things EVERY student and their parents should know

Fear grabs votes and makes headlines. Sadly, though, both sides’ political spin and spittle over student finance have resulted in widespread rampant misinformation – and it’s got worse again this year. 

So with a new academic year about to start, my message to students and their parents is simple – forget the politics – ensure you understand the real impact on your pocket of going to uni.

Don’t confuse explaining the system with unblinkered support of it. I do have issues with the system. Yet the big issue – how much of the cost of higher education should be paid by the state (ie, taxpayers or through Government borrowing), and how much by the individual benefiting from the education – is political, not financial.

Yet that isn’t my aim here. I simply want to tool people up to make appropriate decisions. As finance differs across the home nations, I’m going to focus on the most common (and costly) system, English loans for English students who started in or after 2012 (see how it works elsewhere in the UK).

I should point out this is my summary blog – if you’ve got an appetite to understand it in detail, do read my full 20+ Student Loan Mythbusters guide.

1. Student loans’ price tag is up to £50,000, but that’s not what you pay.

Students don’t pay universities directly. Tuition fees, typically up to £9,250 a year, are paid for them by the Student Loans Company. Over a typical three-year course the combined loan for fees and living costs can be up to £50,000. Yet what counts is what you repay…

– You only repay once you’ve left uni and earn £21,000+/yr. Earn less & you don’t repay.
– You repay 9% of earnings over £21,000, so earn more & you repay more each month.
– The loan is wiped after 30 years – whether you’ve paid a penny or not.
– It’s repaid via the payroll, just like tax, and doesn’t go on your credit file.

For full info on this see the full how you repay info in the 20 student mythbusters guide.

2. There is an official amount parents are meant to contribute, but it’s hidden.

The student loan doesn’t just pay for tuition fees, it also includes a living loan (officially called the maintenance loan) paid directly to the student to help with living costs.

Yet for most under-25s, even though they are old enough to vote, get married and fight for our country, their amount of their living loan is dependent on household (in other words parents’) residual income.

From just £25,000 family income upwards, the loan is reduced, until for those earning around £60,000 and above, it’s roughly halved.

This missing amount is the expected parental contribution. Yet parents aren’t told that, never mind told the amount. I wrote to the Government asking it to start to do so – it refused.

So work it out yourself. The maximum living loan for this year’s NEW starters is £7,097 if living at home, £8,430 away from home, and £11,002 away from home in London. Subtract the amount of the living loan you get from this to find the amount parents are expected to contribute. See the maximum loans for ongoing students.

That doesn’t mean parents can afford it – but at least you’re aware of the gap – and students should at least make sure they have the discussion with parents.

But even the max may not be enough to live on. Bizarrely the biggest practical problem with student loans isn’t that they’re too big, it’s that they’re not big enough.

3. The amount you borrow is mostly irrelevant – it works more like a tax.

What you repay each month depends solely on what you earn, ie, 9% of everything earned above £21,000. As proof, take £31,000 earnings, as it’s easy maths…

– Owe £20,000: you repay £900/yr.
– Owe £50,000: you repay £900/yr.
– Owe £3,000,000 (if tuition fees were absurdly hiked to £1m a year): you repay £900/yr.

The only difference what you owe makes is whether you’ll clear the borrowing within the 30yrs before it wipes. The Institute for Fiscal Studies estimates only the HIGHEST-earning 23% of graduates will.

So unless you’re a seriously high earner, ignore the amount you ‘owe’. In practice you’re paying an increased rate of tax for 30 years. In fact, at current rates, it works like this:

Effective marginal tax rates 2017/18
Earnings Uni-goers Non uni-goers
Up to £11,500 No tax No tax
From £11,500 – £21,000 20% 20%
From £21,000 – £45,000 29% 20%
From £45,000 – £150,000 49% 40%
£150,000+ 54% 45%

This doesn’t make it cheap, but it does mean that all the talk of burdening students with debt is often misleading. Instead we’re burdening students with higher taxes over a certain amount, and they should decide if that’s worth it.

Remember, though, that just like tax, the ones who tend to pay more tend to earn more – so it’s to be hoped there is, financially at least, a ‘no win, no fee’ element here.

This is why I campaign to rename student loans to the far more descriptive ‘graduate contribution system’, as other countries call it. Calling it a loan is dangerous; it means our young people are educated into a ‘debt’ and then end up getting other types of much worse borrowing too.

4. Interest is added, and the headline rate is 6.1%, but many won’t pay it.

Student loan interest is set based on the rate of inflation – which measures how quickly prices are rising. The rate changes each September based on the Retail Prices Index measure the prior March (3.1% last March). The rate is set as follows…

– While studying: RPI + 3%, so this year it’s 6.1%.
– From the April after leaving uni: It depends on earnings. For those earning under £21,000 it’s RPI, for those earning over £41,000 it’s RPI + 3%. For those who earn in between it’s a sliding scale.

I’ve seen anger this year at “the Government hiking the rate” – that’s a little unfair, as the RPI rate changes each academic year with inflation, and that hasn’t changed – it works as it always has. For more details see past years’ rates.

Another confusion here is people talk about students paying 6.1% interest.  That’s not correct – 6.1% is the amount added to the amount owed. And as explained already that doesn’t usually change what you repay.

The interest only has an impact if you’d clear what you borrowed initially in full over the 30 years – many won’t, and if so, student loans are, in practice, interest-free. And even of those who will, all but the highest earners won’t come close to repaying all the interest.

If you’re a graduate, and that’s getting you thinking, do read my full Should I repay my student loan now, as it’s accruing 6.1% interest guide.

5. The system can and has changed.

Student loan terms should be locked into law, so only an Act of Parliament can negatively change them once you’ve started uni – but, they’re not. So sadly my explanation needs the major caveat of ‘unless things change’.

This is especially true as we’ve seen a very poor change this year (that I’ve been ranting against, sadly to no avail). It was promised the £21,000 repayment threshold would start increasing with average earnings, but it’s been frozen until 2021. The effect of that is recent graduates are repaying more each month than they were promised when they started. See more on the campaign to stop the threshold freezing.

The practical impact of this isn’t enormous in the grand scheme of things, but the unfairness is. However, you can’t second-guess future changes (as we don’t know who’ll be future Governments) and we have to hope in future it’ll be respected. See more on if changes are likely.

If you hear any student, prospective student or parent panicking about student finance, and worried about the ‘horrid debt’, do feel free to point them in the direction of this blog.

STILL GOT QUESTIONS? Do read the full 20+ Student Loan Mythbusters guide.

Why cutting the student loan interest rate will only help richer graduates…

This weekend the papers have been mooting that Theresa May’s Government is looking to cut the English and Welsh student loan interest rate – now at a 6.1% headline rate for those who began uni in or after 2012 – in order to appeal to the youth vote.

I find this frustrating. Not because I object; I’ve always believed on principle that student loan interest shouldn’t be higher than inflation – charging students for their education is one thing, charging them for the financing of their education is a step too far.

Yet if the Exchequer has limited resources to finally shell out something to relieve student loan pressures, cutting the interest rate is far from a priority – in fact, it’s poorly targeted.

Student loan interest rates change every September, based on the RPI rate of inflation the prior March. For this 2017/18 academic year, the rates are as follows:

– While studying: Interest is charged at RPI + 3% (= 6.1% for this academic year)
– From the April after leaving: Then the rate is RPI (3.1%) for those earning under £21,000 and RPI + 3% (6.1%) for those earning over £41,000. Those in between are charged on a sliding scale.

Do note I write students are CHARGED interest, not students PAY it.

That’s because student loan repayments solely depend on what you earn, not what you owe.

Graduates repay 9% of everything earned above £21,000 for the shorter of 30 years from the April after they graduate, or until they clear what they borrow (see my five things every student and parent should know blog).

So if someone earns, for easy maths, £31,000 (ie, £10,000 above the threshold), they repay £900 a year, regardless of whether they owe £10,000 or even if they (absurdly) owed £1,000,000. The same is true of the interest rate: at £31,000 earnings, people repay £900 a year regardless of whether the interest is 3.1% or 500%.

In other words, what you borrow and the interest rate have no impact on annual repayments. Instead, all it changes is whether or not you’d clear the loan plus interest within the 30 years.

Who would cutting the interest rate would actually help.

According to the Institute for Fiscal Studies, it’s currently likely only the highest earning 23% of graduates will clear their debt within the 30 years.

So they would definitely save money from an interest rate cut (as would some who earn a little less than them as they’d now join the club of those who’d ‘clear within the 30 years’.)

Yet those who earn less will feel no change whatsoever from a lower interest rate. In other words, cutting the interest rate ONLY HELPS THE HIGHEST EARNING GRADUATES. Lower/middle-earning graduates are unlikely to gain as they won’t clear much more than their actual borrowing – never mind the interest – within the 30 years.

In fact, for a good percentage of lower-earning graduates, student loans are interest-free (full info on this in my Will you really pay 6.1% interest? guide).

The real horror is the freezing of the repayment threshold.

Contrast that to the Government’s real student loan horror this year – the April 2017 freezing of the repayment threshold at £21,000 until at least 2021 – when it was supposed to rise with average earnings.

All students earning over the threshold will repay more each year than they would’ve done – a real hit especially for lower and middle-earning graduates. And in the long-run that hurts almost every graduate EXCEPT higher earners (see why high earners gain).

The problem here is one of psychology. The interest rate seems scary so we hear large cries – even though in practice it doesn’t affect most. Freezing the repayment threshold is complex so we hear little – but it affects millions. Reversing that is a far greater priority for graduates.

To make policy just to appease fundamental misunderstandings is wrong. The sooner student loans are renamed a graduate contribution system, the sooner we can start to be rational and protect young people who need help, rather than illogically prioritising helping those who don’t.

So to summarise, cutting interest rates – while not bad – should be far from top of the priority tree.

For graduates, unfreezing the repayment threshold is a priority. For current students, interest rates have no practical impact – what does is the fact that many don’t have enough money to live off.

The priority there should be money to give bigger, fairer loans for living and to clear up the poorly operating hidden parental contribution system.

PS: I originally bashed out a slightly shorter version than this on social media over the weekend, in case you think you’ve seen it before.

Related past blogs: 

Is your student loan being sold? The answers we must get from Government

Scrapping of student grants – what it means & how bad is it?

Labour’s plan to cut tuition fees to £6,000 is financially illiterate

Panicked about interest on your student loan statement? For many, it’s nonsense!

Viral letter about mis-sold student loans due to retrospective interest hikes is well meaning but wrong

Are student loans broken? What I told Uni Minister Jo Johnson

If you read the papers you’d think the answer is a clear cut yes. I too agree, to an extent. Yet the most commonly quoted problems tend not to be what worries me most, and the things least mentioned can hurt.   

On Tuesday, MSE organised an event at the Tory party conference, where I debated this subject with University Minister Jo Johnson, chaired by Nick Hillman, Director, Higher Education Policy Institute.

My core aim was to try and push that if this scheme is to continue it needs renaming and reshaping. That was picked up by The Times Higher that reported Minister agrees student loans should be renamed as did The Telegraph. While the tabloids focused on Tory minister tells students to live frugally – though to be fair what he actually said is that some students want to do that, rather than all should.

This was an important debate, so I thought, as we weren’t allowed to broadcast it, it’s worth noting down for posterity my opening remarks (it’s up to the minister if he chooses to publish his). Below is a transcript (edited to make it a bit easier to read and with added sections), though I speak freehand and sometimes with venom, so it’s not the easiest transcript to scan as it misses that tone.

—————————-

The Chair opened by asking me what I thought of the announcement a few days before, that the student loan repayment threshold was to be increased to £25,000 u-turning the prior decision to freeze it (read why the student loan repayment U-turn is so important).

I think as somebody who has called the Government liars, backtracking, sold out a generation of students on behalf of freezing the threshold, hired lawyers to investigate trying to overturn it you could say I’m a little bit pleased at the U-turn this week.

So, yeah, absolutely the right move, important to say that I am not opposed to cutting interest rates at all. I just think if you’ve got a block of money the first place to put it is in increasing the repayment threshold. Cutting interest rates, increasing maintenance loans are very important too. But if you’ve got one block of money, start with increasing the threshold, that retrospective change was bad, but I’ll come on to that formally in a second.

First, I’d like to frame exactly what I’m going to talk about today.

Today’s debate is about how we reshape the current system

Clearly, the landscape in student finance has changed, the Labour Party are talking about no tuition fees, so they are saying the cost of their education should be met through general taxation – a perfectly valid and honest theory and philosophy.

But we are here at the Conservative Party Conference and rather than going through that bigger debate, which frankly is not going to wash with the Minister. So I want to be practical, if we accept that the individual is going to have to contribute to the cost of their higher education, is the structure of the way we do that right now correct or not? And that is what I am going to be talking about, but don’t take that as a reading that I discount the Labour view.

Marketisation – fail

The idea that each university is going to be able to charge different fees, that gives the individual a choice of how much they want to pay for their education, has been a robust and absolute unmitigated failure.

Almost every institution charges the same amount. It hasn’t worked, it should be scrapped. And it is rather ironic that one of the prime reasons it is a failure, is because it should have been a failure.

The way we have set up the repayment of student finance which says you repay 9% of everything above a threshold, currently £21,000 (but going up to £25,000) for 30 years before it wipes means for the vast majority of graduates higher tuition fees won’t cost them much more.

Only higher earning graduates would repay more on a £9,000 course than a £6,000 course (the original range) once you incorporate the maintenance loan. So, my advice from day one to students was to choose the right course and ignore the tuition fees, because you will only have to repay more if you earn a shed load of money once you leave – in which case chose the right course to hope that happens.

So it would be counter logical for marketisation to have worked in any way. So I think we really need think about how that one is affected and I think part of the problem of that I am going to come onto later is the naming of the way that we do the system. Now let’s move on to that retrospective change.

Retrospective Change: Lack of faith isn’t fixed by a U-turn

Note this refers to the Governements freezing of the student loan repayment threshold at £21,000. It was supposed to go up with average earnings from 2017. 

This was disastrous, and the fact there has been a u-turn hasn’t stopped the disaster. The disaster is very plain.

When a student and their parents, grandparents make the decision to go to university they are weighing in many factors. We hope they are looking at the finance. It is over a very long period. And what they want to know is what I am signing up to is what I will get.

In the past we had never seen a substantial retrospective change to the terms and conditions of going to university. We got it for 2012 starters. The breach of the very loud promise made by David Willets – and I have letters written by David Willets to parents that say from 2017 the threshold will go up, with no caveats, no mention of terms and conditions.

There is no commercial company who has a loan based system who would have been allowed to make that change, even though it wasn’t in the small print when the FCA regulates loans. It says your core marketing terms must be honoured even if they’re not in the small print, same with mortgages, go check it out – we’ve had this before. They would not have been allowed to do that. The Government have done it.

That breach of promise does two things. First of all, it has knocked the faith of students in the student loan system we have. How can you trust it when there was a change to the terms?  “I signed a contract and you have unilaterally changed the terms – that was wrong.”

The second thing, it has knocked the faith of students in the entire political system because the political classes, and lets be straight as we are sitting here, the conservative political classes, primarily, lied to them and misled them. And while the u-turn is welcome in practical terms, the shaking in the faith has not been fixed.

As someone who put myself out there because I believe my own political view should be secondary to making sure there isn’t one young person in this country who is put off going to university for the wrong financial reasons. The biggest questions I get is what if they change the rules. And that retrospective hike has knocked that forever and that hasn’t fixed it.

We have to ensure that every student knows what the terms and conditions are when they start and there wouldn’t be any retrospective changes. This is crucially important and should be locked into statute or at the very least if we are going to have variable rates and conditions within the student loan that need to be overtly declared and transparent.

For example you could say, “We will never change the 30 year limit. That is locked into statute. We may change your interest rate. We may change your repayment threshold.”  Not in the small print. If we are going to have to explain it, let’s be upfront.

One of the misunderstandings out there this year is that the Government has increased the interest rate. No, the interest rate is unchanged, the rate of inflation changed, and the interest rate is based on the rate of inflation. I’ve been out there defending on that, because it is unfair to accuse the Government of changing interest rates.

You can have terms that are changeable but you must declare them and be open and transparent about them. That has been breached and as always when you breach a rule, putting it right a year and a half later doesn’t put you back to where you were. Faith has gone.

It is no longer true that there’s no need to pay upfront to go to university

I will be publishing a further blog on this next week

This isn’t about tuition fees. This is about the most import and biggest practical problem that students face at university. Affording to live.

[Pause for a cheer, including from the President of the National Union of Students]

Quite simply, we have increased the means testing. We have mislead parents. On my roadshows, parents come up to me and say my kids are given £5,000 and their hall fees are £6,000 why don’t they get more? And I say to them, how much do you earn and they tell me £50,000 and I say you do realise that the full loan they would have got is, let’s say £9,000 and there is a parental contribution of £4,000 and they say, no.

There is an official parental contribution on the maintenance loan.  I wrote to the Minister, he will remember it, asking that in the loan letter, instead of telling parents “your child’s loan is £5,000”, it is changed to say “the full loan for your child is £9,000 because of means testing your child will only receive £5,000 therefore, there is a parental contribution of £4,000 to be had”. Though I would accept “there is an extra £4,000 gap that you need to make up”. That level of transparency is crucial.

It isn’t that the loan isn’t big enough for those parents, it’s that they have been means tested and don’t get the full loan but we hide it and it is somewhere like page 32 in the small print of the student loan literature. It is absolutely unfair and what we are doing now is knocking the faith of people in this system and meaning students cannot afford to go to university because the truth is your parents will need to give you money, they will need to save up and if you’ve got two kids at university which over 60% of parents have two kids within a 4 year gap.

Two kids at university at the same time, even though you are having to contribute £5,000 to your first kid they only reduce the residual income by £1,130 in other words, if you’ve got triplets you’re really screwed because it’s not taken into account. So, what we have here is a real practical problem for middle class parents. Lower income parents get the full loan.

Middle class parents struggling to find the money to send their kids to university and their children don’t have the cash, nobody tells them about this and their children have no way of forcing them to give them the money.  The biggest problem with student loans if we keep the current system is that the loans aren’t big enough, not that they are too big.

The language of debt is psychologically damaging – it should not be called a debt

This is all about changing the name to a graduate contribution system see my student loans aren’t a debt blog for more info.

For over 20 years we have educated our youth into what we call a debt and we have never educated them about debt properly. Even though financial education is now on the national curriculum – I campaigned for it – it is a pyrrhic victory, we’ve not put any resources into it. But secondly what we’ve done is we’ve inured an entire generation into borrowing, because if we say you’ve got to get a debt to go to university then they go on and get their credit cards and their payday loans, it has been tremendously damaging.

The language of debt is misleading. I can’t explain the system, because everyone says, I am going to have this debt hanging over me that I am going to have to repay. No, this is a contribution system in proportion to your financial success after university. By calling it a debt it makes it more difficult to explain. That is why people call to have the interest rate cut rather than raising the repayment threshold. They don’t understand it. If you change the name it will be closer.

So my big ask, if you want to fix this, you are going to stick with this system then get rid of the name of debt. Get rid of the word interest, call it an uprating. This in every other country is called a graduate contribution system. That’s effectively a graduate tax, but technically you can’t call it that because you can’t hypothecate it and you can’t tax people abroad.

Wrapping up (at speed due to time constraint on speakers)

The system is a graduate contribution system and should be called so, but don’t do that in isolation. Give people a guarantee of what can change and what can’t change.

You want to make changes, fair enough. That’s politician’s remit, but be really up front for example – it will be wiped after 30 years, the interest will be related to inflation but we might change it exactly the proportion it relates to inflation. You will repay 9% above the set threshold but we may change the threshold.

Call it a contribution system, lock it in, give people respect so they know exactly what they’ll sign up to. People might understand it better, might respect it better and might start to understand your argument a little bit better about it being shared between the individual and the tax payer. Right now the system is broken cos it aint a loan, and we call it one. 

If you managed to read through all of this, well done, its not easy in the transcript form. After that, then as well as the Ministers statement there was 40 minutes of often robust Q&A and debate, hopefully it did some good.