Five ways to make quick money for this holidays

1. Get a Payday Loan
Payday loans are small, short-term loans that is intended to cover a borrower’s expenses until his or her next payday.

2. Join a focus group
Like surveys, these organizations will pay you for your opinions and experiences. There are hundreds to join! A home cleaning study in Chicago offers $100; a toy study for boys age 4-7 in Portland pays you $20; iPhone users in Boston can receive $50; there’s even a study in San Diego that pays $125 for “friends who watch TV”! Check www.twitter.com/focusgroups for details.

3. Test-drive a car
Like the banks, the auto companies are eager to get your business. Dealerships understand how “seeing” a new car, and then test-driving it, can increase the likelihood of a purchase. Companies like Hyundai, Kia, Saturn and Ford may offer cash, gas cards or gift certificates to major retailers, simply for driving.

4. Open a bank account
Because many banks are going through difficult times, they are eager to attract new deposits — so eager that they are willing to pay you! Banks such as Bank of America, Wachovia, Wells Fargo and National City are offering “signing bonuses” that range from $25 to $150! Read the fine print, however, as restrictions and potential fees may apply.

5. Take a survey
This is not the annoying 60-second customer service survey we hear so often. Instead, organizations and businesses have concluded that it’s worthwhile to pay people for their opinions on products, services and experiences. The Web site www.surveylot.com is a good place to start. They set people up with surveys that can pay anywhere from $5 to $75 per hour!


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