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Desperate Measures: Risky Money-Making Strategies to Avoid

Taking financial risks is can be a tempting approach for consumers under financial pressure. The allure of living financially worry-free always exists and many are willing to take risks.

Risky ventures do not have to wipe out a person’s bank account. In fact, a consumer can try some moderately risky money-making strategies with one $20 bill. The following are a few risky bets on making fast money with a small outlay of cash:

Scratch-Off Cards

Scratch-off cards are available at a multitude of convenience stores and shopping centers. The odds of winning on scratch-off cards vary with each company and card type. Card prices vary from $1 to $20 in price, and their payouts change according to their algorithms. By only spending $20 on the scratch-off cards, the consumer is cutting his or her potential losses. The best way to increase the odds of winning is by purchasing several cards. Buying 20 $1 cards has a higher success rate than buying one $20 card has.

Online Casinos

Online casinos are an increasingly accessible venue for trying to win big with a small amount of money. Many online casinos award new players by giving them free spins or free dollars. A new player could win money without spending any of his or her cash. The key to successful gambling is for the person to avoid going over the betting threshold. If the threshold is $20, and the person loses the $20, then playtime is over. However, winning requires a different strategy.

A winner could use the halfsies strategy. The halfsies strategy is a strategy that involves withdrawing the initial bet plus half the winnings from a winning wager immediately. The player should place the money in a savings account and forget about it. He or she can then use the rest of the money to bet as he or she sees fit. That way, the player is a winner no matter what happens with the other half of the money.

Sports Betting

Sports betting may be more comfortable for people who like higher odds. Boxing, football, basketball and baseball games can have 50/50 odds when a person bets on one team or the other. Sports betting sites, like other betting sites, offer sign up bonuses and incentives. New bettors can receive matches for up to 50 percent of their bets. For example, a new better who spends $20 may receive an extra $10 for betting. That $30 bet may earn the person $6,000 or more.

Small risks can often yield surprising returns, but do not amount to a sound cash flow strategy.

Bad Company: When it comes to credit card offers, read the fine print

When it comes to debt, you should pay close attention to everything from the interest rate all the way down to the minimum payment.

That's because credit card companies don't always have your best interests in mind, even though they might argue to the contrary. You can think of the credit card companies like a tremendous sales person who has the kind of pitch you can't ignore.

The credit card pitch comes to you via email or regular snail mail in the form of applications that promise plenty of great rates and fantastic terms but really hide their true colors in that fine print no one ever reads.

Chances are some of the bold print tells you that your zero interest lasts only to a certain time and perhaps a little insight on balance transfers but that doesn't mean everything you need to know is put on the table.

For instance, late fees often come in the form of a sole one when you pay late. But what credit card companies might not tell quite so easily is that they can charge you two late fees for one late payment. Another aspect of paying late they don't want you to know: how about the late payment forgiveness they aren't so inclined to advertise. Most of the time, credit card companies will refund late fees if you've been a relatively good customer and you call to explain why you paid late.

That type of customer service, one would think, should be part of marketing plans and advertising efforts to let would be customers know how understanding they can be. But that isn't always the case; credit card companies make a nice piece of change on late fees, so why interrupt that source of revenue?

As long as you're talking about paying on time, you might want to steer clear of missing a payment or paying late. Not only is that going to hurt your credit, but you'll also find something even worse on that next credit card bill: a different annual percentage rate. Promotional rates of 3, 4 or 5 percent won't last long if you pay late. Credit card companies don't tell you that when they send out those flashy mailers, but truthfully they can manipulate that rate from 3 percent to 20 if you're lagging on paying on time.
No one is suggesting that all credit card companies deal in deception but rather have built in policies to protect their investment as well.

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