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Amazon is planning a new wave of layoffs, sources say



Amazon is preparing to cut as much as 15% of its human resources staff, with additional layoffs likely in other divisions, according to multiple sources familiar with the plans. 

Two sources told Fortune that Amazon’s human resources division—known internally as PXT or the People eXperience Technology team—will be hard hit, but that other areas of Amazon’s core consumer business are also likely to be affected. It couldn’t be learned how many employees in total Amazon plans to let go, nor the exact timing of the cuts.

The company laid off relatively small numbers of employees earlier this year in areas such as its consumer devices unit, its Wondery podcast division, and in Amazon Web Services.

Amazon spokesperson Kelly Nantel declined to comment.

Amazon’s PXT division, which reports to senior vice president Beth Galetti, has more than 10,000 employees worldwide, and includes a large recruiting team, plus technology staff and other traditional HR roles.

The new cuts come as Amazon continues to look for ways to lower employee costs while investing aggressively in AI products and infrastructure – both for internal use and to sell to enterprise customers. The company has said it intends to spend upwards of $100 billion in capital expenditures this year, as it builds out its cloud and AI datacenters.

Amazon CEO Andy Jassy already oversaw the largest layoffs in company history from late 2022 into 2023, when the company cut at least 27,000 corporate jobs, which accounted for a high single digit percentage of the company’s office jobs. Many other Big Tech companies also slashed their headcounts around that time as the pandemic receded and consumer demand trends changed.

Now, many employers are looking to harness the power of AI—initially for mundane and repetitive tasks and eventually for more complicated jobs—to reduce the need to maintain the same level of human staffers on their payrolls.

Jassy himself is one of them. The CEO fired a bit of a warning shot to his own employees in June, when he encouraged them to welcome this new AI-powered era.

“Those who embrace this change, become conversant in AI, help us build and improve our AI capabilities internally and deliver for customers, will be well-positioned to have high impact and help us reinvent the company,” he wrote in a companywide email that was also published on Amazon’s corporate blog.

At the same time, Jassy also made a point to note that there won’t be room on the bus for everyone: “We expect that this will reduce our total corporate workforce as we get efficiency gains from using AI extensively across the company.”

Jassy, who succeeded Amazon founder Jeff Bezos in the CEO job in 2021, has earned a reputation as a cost-cutter (though to be fair, he inherited a company that many say had become wasteful and bloated in some areas). Amazon executives regularly require managers to hit a certain percentage goal for unregretted attrition, or URA – essentially a percentage of employees that the company would be OK losing, whether through voluntary departures, being “managed out,” or through formal layoffs. But sources told Fortune that these cuts are being discussed differently internally than the typical URA process.

While Amazon plans these layoffs of corporate roles, the company announced its typical holiday hiring spree of warehouse staff on Tuesday. This year, the company will hire 250,000 seasonal employees across its US warehouse and logistics networks.

Amazon’s stock price is down about a little more than 1% this calendar year, but 15% higher than it was 12 months earlier. The company will report earnings later this month.

Are you a current or former Amazon employee with thoughts on this topic or a tip to share? Contact Jason Del Rey at jason.delrey@fortune.comjasondelrey@protonmail.com, or through messaging apps Signal and WhatsApp at 917-655-4267. You can also contact him on LinkedIn or at @delrey on X, @jdelrey on Threads, and on Bluesky.



6 Social Security Facts That Most People Don’t Understand


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Social Security touches the lives of nearly all American retirees. Yet, many people misunderstand even the basic concepts behind this government program. For the Nationwide Retirement Institute’s latest annual Social Security Survey, around 1,800 adults were asked about their attitudes and knowledge regarding Social Security. As part of the survey, participants were asked to answer 15 true-or…

Condo crisis in Alabama: Broker calls for changes to help homebuyers


“It’s a nationwide issue,” Sykes said. “The condo association fees across the country continue to elevate, because they have to take care of their costs when it comes to maintenance and inspections that are required. What I’m really noticing is they’re going with higher insurance deductibles. Higher insurance deductibles mean they get cheaper insurance, which is not always good for their tenants.

“That’s the way they’re trying to offset some of those condo association fees and also put more money in reserves for something happens, like they have a hurricane. They’re actually hurting the owners of the property. Because when the owners of these condos are trying to sell, fewer people are buying because most people need financing.”

Guideline changes needed

It’s not just condos that are in crisis. Sykes said in many cases, townhomes also fall under condo associations. He wishes there could be changes to financing and insurance guidelines that could help more people get the loans they need.

“Townhomes are typically under a condo association as well,” he said. “Even if they say they’re a townhome complex, a lot of times they’re a condo association that’s tied to that. If there could be a fix on this, and if there were (new) guidelines for financing. Obviously, it’s at 5% but what we really need is, for instance, if you get a flood policy on a home or a condo that’s part of the association, you’re getting that condo’s flood policy.

“If you need a little bit more, the individual owner can get a supplemental flood to offset that. It would be neat, and it would help a lot with the affordability issues across the country if you could get a rider. I don’t know if it’s ever doable, but you know, everything starts with conversation.”

Pyth Network And Kalshi To Enable Real-Time Prediction Market Data Onchain


Pyth Network, a provider of institutional market data, announced its partnership with Kalshi, the U.S. federally regulated event-exchange platform, to deliver its prediction market information across 100+ blockchains. This reportedly marks the first time regulated event data will be streamed onchain at scale, allowing web3 developers, institutions, as well as decentralized protocols to create applications enabled by real-time probabilities of future outcomes.

By further expanding market data beyond asset prices to the ecosystem of events—politics, economics, sports, crypto, and culture—this collaboration aims to tap into a new dimension of financial infrastructure.

Onchain builders require a composable source of event data.

Pyth’s integration with Kalshi reportedly makes regulated prediction market prices available to anyone who has an internet connection, providing blockchain and web3 developers a foundation to develop various financial products.

Kalshi, as the CFTC-regulated event exchange in the US, delivers the credibility, oversight, and scale needed to establish event-driven data as a key category in DeFi.

Recently, Kalshi has expanded to 140 nations internationally on the heels of a $300 million funding round at a $5 billion valuation.

Mike Cahill, CEO of Douro Labs and contributor to Pyth said:

“Since gaining prominence during the 2024 U.S. presidential election, prediction markets have emerged as powerful tools for translating expectations about future events into real-time prices.”

Live Kalshi markets that are now available via Pyth include:

  • New York City Mayor Election
  • F1 Drivers Champion
  • MLB Champion
  • Number of Rate Cuts in 2025

0xUltra shared:

“Oracles represent the first step in taking Kalshi onchain. Now builders can finally bring their Kalshi ideas to life on the world computer.” 

The integration with Kalshi follows a series of developments for Pyth, such as the launch of Pyth Pro, its subscription service intended to deliver institutional-grade market data across cryptocurrencies, equities, fixed income, commodities, and foreign exchange, along with a partnership with Blue Ocean Technologies to provide SEC-registered US equity pricing “during critical after-hours trading via Blue Ocean ATS.”



Career opportunities after Business Administration Diploma Completion



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Is Quantum Computing a Millionaire-Maker Stock?


Look past the hype and access whether it has strong fundamentals.

With shares up 2,500% over the last 12 months, Quantum Computing (QUBT 1.42%) is sure to attract the attention of growth-focused investors. The stock is surging based on industrywide optimism. But is this rally driven by fundamentals or hype? Let’s dig deeper into the pros and cons of Quantum Computing, also known as QCi, to decide if the shares are a solid long-term buy.

What is special about quantum computing?

Quantum computing is a branch of computer science and physics that aims to create devices capable of solving the world’s most difficult problems exponentially faster than today’s fastest supercomputers. And we aren’t talking 30 minutes faster; we are talking over a million years faster. If the technology works, it will allow humans to do things that were previously impossible with current technology.

It doesn’t take a supercomputer to see the vast commercial opportunities that viable quantum computers could unlock. Analysts expect them to help rapidly discover new pharmaceutical drug candidates and chemical structures, and even help train artificial intelligence (AI) models.

Quantum Computing (QCi) aims to position itself on the picks-and-shovels side of this opportunity, supplying hardware products like chips, sensors, and communication devices. It also claims to have the first of its kind foundry for processing thin-film lithium niobate (TFLN), a next-generation material useful for advanced telecommunication platforms.

QCi’s TFLN foundry is located in Tempe, Arizona, and its made-in-America approach could attract government support amid the accelerating technology arms race between the U.S. and China.

But what about the fundamentals?

While cutting-edge technologies often sound exciting, it is essential to remember that they won’t always translate to commercial success, especially in the near term. Furthermore, the start-ups with the most valuable patents and processes are often acquired by larger companies or kept private to maximize returns for their owners. So when small speculative companies like QCi go public, it’s important to ask why.

Image source: Getty Images.

The company’s second-quarter earnings report gives some clues about the pressure it is under. Revenue collapsed 67% year over year to just $61,000 (that’s less than the median annual salary of a U.S. tech worker). Meanwhile, operating costs are spiraling out of control, with research and development more than doubling to $5.98 million.

As a speculative tech company, QCi probably can’t trim its research and development outflows too much without risking falling behind other players in the industry. And it is important to note that quantum computing is shaping up to be a competitive arena, with tech giants like Alphabet and Nvidia also aiming to establish themselves in the picks-and-shovels niche. These larger, well-capitalized companies will be able to spend more on research and leverage larger supply chains.

Is Quantum Computing a millionaire-maker stock?

QCi is clearly under a lot of pressure because of its minuscule revenue, heavy losses, and the pressure to keep up its research spending. By going public, management now has the ability to raise more money by creating and selling more units of its own stock. While this strategy keeps the business afloat, it can hurt existing shareholders by diluting their ownership stake in the company and their claim on its future profits.

In August, QCi announced a $500 million share offering, which increased its share count by a jaw-dropping 26.9 million. And the company already has 159,883,187 shares outstanding as of the second quarter. Expect this number to continue expanding over time.

While QCi could potentially be a millionaire-maker stock in the right conditions, the risks far outweigh the rewards right now. And fundamentals-focused investors should look for better opportunities.

Will Ebiefung has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet and Nvidia. The Motley Fool has a disclosure policy.

Iveco Group Q2 2025 slides: Tata Motors acquisition amid mixed financial results




Iveco Group Q2 2025 slides: Tata Motors acquisition amid mixed financial results

Housing Market Loses Steam, “National Buyer’s Market” Likely in 2026


Dave:
We are only halfway through October and it has already been a wild one for the housing market. We’ve got a government shutdown, we’ve got signs of recession, we’ve got more sellers jumping into the market, but are buyers biting? We’ll cover this and more on today’s episode of On the Market. Hey everyone, welcome to On the Market. I’m
Dave Meyer. I am just getting my voice back after four amazing days in Vegas at BP Con 2025. Hope some of you were there because they’re all great. Every BP Con has been fun, but this one was special. There was just an amazing energy this year. I think if you were there you would know that and I was there of course, but so were the rest of our panelists. Henry did an awesome workshop on deal finding, but he also lost to me in golf just slightly, which was very fun.
Kathy participated in a pitch slam for deals and also single handedly started a 1500 person dance party at the closing party. Jane did a great session on flipping tactics and probably closed five deals while on stage and I gave a keynote about the realities of investing in 2025 and got absolutely wrecked playing craps. It was all excellent. I had the time of my life and I can’t wait for next year, which happens to be in Orlando. We announced it the last day of the conference, so if you didn’t make it this year, definitely check out next year’s conference. I promise you’ll have fun. By the way, before we get into today’s episode, I wanted to mention that we are thinking about doing more sort of small and local events for BiggerPockets in the coming year, so I would love to know in the comments if that’s something that you’re interested in and what format you’d want.
See. Do you want meetups? Do you want presentations, networking workshops? What would you value most if on the market came and visited a town or city near you? Let us know so we can plan more community events and get togethers in 2026. Alright, now let’s talk about all of this stuff that has been going on since BP Con started. There’s a lot going on of course, but today we’re going to focus on a couple things. We’ll look at new housing market data of course, and how really the market is reacting to the slightly lower mortgage rates that we’re seeing. We will also talk about how the government shutdown is actually impacting the housing market maybe more than people realize, and we’ll also talk about how there are signs that the economy in general is softening. Let’s jump in. First up, let’s talk about housing prices because we just got the case Schiller National Index for July and what it showed is that home prices nationally are up 1.7% year over year, so they’re still up, but they are showing continuous signs of softening because just in June, the month before we had them at 1.9%, and this is basically just a continuation of the trend that we’ve seen.
We’ve actually seen month over month home prices fall five consecutive months and just as a reminder, back in January, the year over year number, which is now 1.7% was at 4.2% and February is 3.9%, March 3.4, April 2.7, so it’s basically just been trending downwards closer and closer to flat throughout the year. Now, I personally have been saying this for a while now, but just as a reminder, I’ve been saying that I do think that we’re in a correction because the important thing to remember about the case Schiller index, which is the data we’re talking about today and there’s tons of different price data, they’re all kind of showing the same thing, but the thing that’s unique about the Case Schiller index is that it lags a couple of months. We’re in October, we’re talking about July data, and so if you extrapolate out this trend where we were starting the year at 4.2%, now we’re at 1.7%, we’re probably going to be very close to flat by the end of the year, and that’s not just inferring from the existing data that we already have.
Like I said, there are other data sources that you can look at that are a little bit more current and those also show just continuing signs of the housing market cooling. A new report last week came out from Redfin and showed that new listings of US homes rose 2.3% year over year, so this is just people who choose to put their property on the market. That’s up year over year and it’s not up crazy 2.3%, but it’s the biggest increase we’ve seen in over three months. Actually over the summer we saw fewer and fewer people choosing to list their home on the market. I think that’s probably because rates were still high and we’re entering this correction and sellers were just thinking, you know what? I’m not going to sell into this adverse market. I’m just going to wait it out. But now that we are in the middle of October, I’m recording this on October 10th and just a couple of weeks ago, the fed cut rates rates are about 6.35% as of today, but they did dip a little bit closer to 6.1, 6.2, and so I think what happened is a lot of sellers listed their home in September hoping that those lower rates would bring in additional buyers that weren’t really materializing over the summer, but unfortunately that’s not what’s happening.
In fact, pending sales, the number of contracts basically that have been formulated over the last couple of weeks actually fell to 1.3% from a year ago, so not crazy, but again, it’s the biggest decline in five months. We also saw that days on market, the average time it takes for a property that gets listed to sell is up to 48 days, which is a week longer than it was last year. It’s also longest it’s been since basically before the pandemic since September of 2019. And so when you look at all these things together, if you look at the case Schiller data that I started off with and you move onto this Redfin data, what you see is a market that is trending nationally towards basically a flat neutral market and it could turn into more of a buyer’s market where prices are going down on a national level.
I actually think at this point that is probably pretty likely. I haven’t yet made my predictions for 2026, but if you remember my predictions for 2025 is that we’d be pretty close to flat and it’s looking like that one’s going to be spot on. I know that can be scary for people in the industry like agents, lenders or investors, but I just want to remind everyone that this is okay. This is normal. This is part of a normal housing cycle and actually there are some benefits to this. If you are a buyer right now, it means that there’s more inventory for you to choose from and you are going to have more negotiating power when you’re talking to sellers because they’re going to be competing for a limited pool of buyers. The second thing is that things are going to be on sale. You might be able to actually get properties for cheaper than you have over the last couple of years.
And the third thing that is I think extremely important for the housing market is that affordability is actually getting better in the housing market. I know it’s not a lot better, but if you see that prices are relatively flat, they’ve been, wages are going up, they have been, and mortgage rates have come down even just a little bit, that means that we’re seeing minor improvements to affordability and we have a long way to go, do not get me wrong, but we got to stop somewhere. We got to see the tide turn and it has a little bit, and I know that’s not great for on paper when everyone’s seeing the equity value of their homes, but if you want to get back to a housing market that’s healthy, which I certainly do, I think this is actually something that’s relatively positive. Personally, I’m okay with relatively flat prices if it means that we get more affordability back into the housing market long term because that’s going to get us back to more predictable investing conditions and home buying conditions, which is really what I think we all need. So that’s the update on the housing market that we’ve had over the last couple of weeks. We got to take a quick break, but when we come back, I’m going to talk about how the government shutdown is actually impacting the housing market in ways you might not realize. We’ll be right back.
Welcome back to On the Market, Dave Meyer here talking about recent updates in the market just gave you my housing market data. Now moving on to government shut down. I know that these things happen and sometimes you’re unaffected by it and I think probably for the average American who’s not looking to make a major purchase or doesn’t work in the industry or is of course not a government employee who’s directly impacted by the shutdowns and furloughs, you might not really feel the impact of the shutdown, but there is some data that shows that the housing market is being impacted. First, I’ll just share with you a survey that Redfin just did with Ipsos, and it shows that 17% of Americans are saying that they’re delaying a major purchase like purchasing a home or a car. 7% are saying they’re straight up canceling plans to make a major purchase, and then actually 16% said that they might make a major purchase sooner than expected.
So that’s a little bit conflicting, but I just want to call out that basically 24% of Americans are saying that they’re going to cancel or they are going to delay making major purchases like buying a home, and that sort of makes sense because when you look at how the shutdown is playing out, pay has been suspended for about 2 million federal workers. There are three quarters of 1,000,700 and 50,000 who have been furloughed and the rest are expected to work without compensation. Normally, I think during previous shutdowns we’ve seen that those people will get back pay once the government reopens, but the White House has said that they’re considering not paying furloughed federal employees for the time they didn’t work during the shutdown. So all of these things have really led to a lot of uncertainty for these federal workers, and I’m sure there are other people who aren’t federal workers who are just looking at the chaos in Washington right now and are saying they don’t want to make a major purchase.
Given all this uncertainty, there’s also a ton of other Americans who work for private companies, but they don’t get paid. They don’t go to work because their work relies on government projects. So all these things are combining to impact the housing market very directly. That’s the first thing. There’s a second thing though that I’m not sure everyone has noticed, but when the government shut down on October 1st, the National Flood Insurance Program lapsed meaning that the government sponsored flood insurance is no longer issuing new policies, they are not doing renewals. If you have an existing policy that’s ongoing that is not being canceled, but no new policies, no renewals, and that is pushing people into the private market for flood insurance, which is much, much more expensive. I was just reading an article that showed a woman in Florida who had previously had a quote for $4,000 for annual flood insurance for two bedroom ranch already pretty expensive.
Now, the two quotes she got for private carriers were $9,000 and $12,000. So for one, the cheaper one more than double for the more expensive one, it was triple the government program. Because of this increased cost and uncertainty, NIR is estimating that this is going to prevent or delay 1400 closings a day across the country. Now, on a national level, of course, 1400 closing a day is probably not going to really show up in the data, but what’s interesting and unfortunate about this is that the areas of the country that are in these floodplains, and it’s actually more than you think about 8% of all properties in the US are in areas that require this kind of flood insurance from most lenders, but most of those 8% of properties are in states that are on the Gulf Coast, right? You see Florida, Alabama, Louisiana, Texas, and these are areas of the country that are already getting hit by a housing correction, and so when you combine these things together, right, when you look at the correction that’s already going on, it’s pretty bad in Florida right now in Louisiana, other places are seeing more modest corrections, but it’s definitely going to cool the market further, 1400 sales in Florida right now is actually pretty significant, and the sellers who have had their properties listed for months and are really eager to close and actually sell their homes, these delays and these cancellations are going to be particularly painful.
Hopefully, the government will reach an agreement soon and the National Flood Insurance Program will restart issuing policies and renewals, but in the meantime, it could get a little ugly there, especially if you need to get private insurance even as a stop gap for the time being while the government is shut down. Now, I was reading that in some instances it is possible for current homeowners to assign their flood insurance to a buyer. So if you’re one of these people who are in a situation where the buyer’s backing out or wanting to delay because they can’t get flood insurance, I would recommend looking into this, call your provider and see if you can assign it over because that might be a way that you can actually get through this shutdown and actually close on a property. You could do this if you’re a buyer too. If you are a buyer and you want to actually close on these properties, see if you can get the seller to assign you their insurance program.
Again, it doesn’t work in all instances, not all carriers are going to do that, but it’s worth exploring if you happen to be in this unfortunate circumstance right now. So we’ll have to just see how this plays out, but as of now, these are the two main ways the shutdown is impacting the housing market. We got to take one more quick break, but when we come back, I want to talk about just a couple of data sets I’ve been looking at recently that show more signs of economic weakness even outside of the labor data that we’re getting and what this might mean for the market. We’ll be right back.
Welcome back to On the Market. I am Dave Meyer. Now let’s just talk about a couple signs of economic weakness. Now, I fully admit the economy is totally polarized. There are signs that the economy is strong. We’re seeing the stock market near all time highs. Gold is really high, which you could argue is not a sign of economic strength, but asset prices are high. Bitcoin is near all time high too. Some people think that’s because of its hedge. Some people might say that’s economic strength, but again, there are all sorts of mixed signals in the economy right now, but a couple things came out this week, the week of October 6th that just show a couple things that I think are a little concerning in terms of the overall economy, and I just want to talk about them and how they might impact the housing market and economy in general.
The first up is car loans. Now, I’ve said on the show lots of times, and it’s still true, the average American home buyer remains in good shape. We are not seeing big upticks in foreclosures or delinquencies. They’re very minor for the most part. They’re well below pre pandemic levels. We do see some upticks in VA and FHA loans, but nothing at a concerning level right now. But when you’re looking at the strength of the economy, you often want to look at the quality of the debt that is out there because what often leads to recessions is when people can no longer service their debt, they go bankrupt, they default. That causes these ripple effects throughout the economy, so these are things that you always want to keep an eye on. The car loan data is getting just a little bit worrisome. It is not crazy or anything like now, but what we’re seeing is that the portion of auto loans that are 60 days or more overdue that are subprime hit a record of more than 6%.
That is the highest they have been in any of the data that I’ve seen going back to 2000, and that includes the financial crisis when they peaked a little bit below 5%. Now, it’s important to note that subprime auto loans are not a huge portion of the market right now, but prime loans, which is basically loans made to more qualified buyers are also going up. They’re not at all time highs, but they’re sort of back near pre pandemic levels and they’re on an upward trajectory, so both trending in that direction. We also see that an estimated 1.75 million vehicles were repossessed last year. That’s the highest total since 2009, and it looks like car dealers are actually lowering their credit standards, which is something I always worry about having come into the economy and the housing market during the great financial crisis, I never like seeing lenders lower their credit quality standards, but we’re seeing right now the percentage of new car buyers with credit scores below six 50, which is close to subprime, was nearly 14%.
That’s one in seven people. It’s the highest it’s been in nine years, and so it just shows an overall weakening of the American car owner, and I’m not super concerned about this right now because it’s still a relatively small portion of the market, but these are trends that we should watch out for when we’re evaluating the economy. But there was one stat that I had to share with you all. This is actually insane. New car prices are just, they’re wild right now. The average monthly payment in the United States, the average for all people is more than $750. That is absolutely wild. That is a crazy amount of money. That is $9,000 in post-tax money per year going towards the average car. No wonder people are struggling to make these payments that is so expensive. Maybe I’m just old and my expectations of what car payments should be is like $350, but man, that seems high and nearly 20% of loans and leases, car payments are now above a thousand dollars in monthly payments.
That just rubs me the wrong way. It just makes me a little bit concerned. Again, I’m not trying to be alarmist, but this is something I’m definitely going to keep an eye out, especially among some of the other data that we’re seeing. Student loan delinquencies are up, we’re seeing credit card delinquencies up a little bit, so this is just adding to the picture that we’re seeing across the economy right now. For the most part, American consumers, their feelings about the economy are down from a year ago, but they haven’t really changed over the last couple of months. There is this index of consumer sentiment. I talked about this a lot because it can be an indicator of where the economy is going and what it’s showing right now is that consumer sentiment was basically unchanged month over month. It actually just went down slightly from September, 2025 to October, 2025, but really big decline year over year.
So in October of 2024, the index was at 70. Now it’s at 55. That’s a 22% decrease year over year, which is down a lot. We see the index of consumer expectations of the economy dropping 31% year over year, so obviously Americans compared to a year ago feeling worse about the economy. Now, this study is actually put out by the University of Michigan, and they put out this really interesting chart that I thought was kind of fascinating and wanted to share. It shows that sentiment and expectations for people who have no stock holdings are just plummeting. Meanwhile, people who have large stock holdings are actually starting to feel better and better about the economy, so it just continues to show that in the United States right now we have sort of two different economies going on. People at the very top of the income bracket tend to be doing well.
We’ve seen data that shows that 50% of spending in the economy right now are coming from the top 20% of the market, and their expectations are fine. They’re feeling good about the economy. Meanwhile, other consumers sort of in the lower end of this socioeconomic bracket, they’re not feeling good about the economy, and that could be a sign that they are going to pull back on spending even more in the coming months. So this is another thing that we need to watch out for. Lastly, this is just quick, but I actually saw this interesting data on realtor.com that showed that 22 states, so nearly half of all states are either in a recession or in a higher risk of a recession. These are states, they’re honestly just spread out throughout the country. You see some in the northeast, like in New England, you see some in the middle of the country, Wyoming, Montana, South Dakota, Illinois, a couple in the south in Mississippi and Georgia up in the Pacific Northwest in Washington and Oregon.
They’re pretty spread throughout the country except the southwest of the country. That seems to still be a bright spot. Not all of them are growing. We see California, Nevada, Colorado, New Mexico. They’re sort of treading water. Same thing with some other states like Missouri, Tennessee, Ohio, New York, and then there are a lot of states that are continuing to grow. Texas, Florida, the Carolinas, Pennsylvania, North Dakota, Idaho, Utah, Arizona. All still continuing to grow, but it does again show that a lot of the country, when you see all this confusing economic data, it’s because it’s all really segmented. It depends on what state you’re living in. It depends on where on the income bracket you’re in. It depends on how much stock and gold and Bitcoin you own, so if you are feeling really disconnected from the headlines that you’re seeing, it makes sense because the headlines are broad generalizations and it’s really hard to make broad generalizations about the economy right now.
It is totally different depending on who you are, where you live, what your job is, what kind of things you invest in, and so just remember that you got to go a level deeper in the data. But I’m bringing this all up because some of this recession risk could be reflected in mortgage rates going forward. Again, as you may know, when there is risk of recession, that generally pushes down mortgage rates, which could bring back some more affordability to the housing market, but if that happens, and how much that happens will largely depend on inflation data, because if inflation data goes up, it will probably counteract this recession risk. Mortgage rates will stay the same, but if inflation starts to level out and we see more of this recession risk, obviously no one wants a recession, but the one silver lining of that might be slightly lower mortgage rates in the weeks or months to come.
That’s why I wanted to bring this up, and it’s something we’ll keep an eye out for here on the market. That’s my update for today, October 14th. Thank you all so much for listening to this episode of On The Market. Don’t forget, if you want to see more on the market events in your local area, make sure to leave us a comment either on YouTube or Spotify. We would love to hear what you would like to see out of on the market events. We’d love to see you in your local market. I think it’d be a lot of fun, but we just want to figure out what exactly that should look like. Thanks again for listening. I’m Dave Meyer. See you next time.

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102 Ways To Make Some Extra Cash


Image source: Shutterstock. Man making extra money working on his laptop.

Imagine this: It’s 2 a.m., and you’re staring at the ceiling, the glow of your phone casting shadows on the walls. The fridge hums like a distant accusation, reminding you of the groceries you skipped this week. Bills lurk like ghosts on the kitchen table—rent creeping up, car repairs whispering threats, that dream vacation buried under a mountain of “what ifs.” You’ve hustled for years, poured your soul into a job that pays the minimum for your maximum effort, only to feel the slow erosion of hope.

But there are tangible ways to turn this situation around.  Here is a list of 102 ways to make extra money.  No jargon, no fluff—just solid ideas that actually generate money, from flipping forgotten treasures to sharing your wisdom with the world.  Each one should help you get some extra income – and help you thrive.  Scroll down.

102 Ways To Make Extra Money

1. Get free money by signing up for Robinhood.  They’ll give you some free stock that you can easily sell and cash out.  Sign up is easy => go here.

2. Take online surveys or join rewards programs. Note: the best survey app these days is 1Q. It pays 25 cents per question which is ten times better than any other app.  Ignore the other ones and get 1Q.

3. If you have to buy something get cash back when you’re doing it.  There are plenty of cash back apps out there, Upside is probably the best one – it lets you save a percentage back when you buy gas or eat out.

4. Sell your internet browsing history.  A lot of people are uncomfortable with this, and selling your internet browsing history is a reliable way to make money.  Nielsen surveys will pay you, so will Savvy Connect.  You can sign up here, and here.

5. Sell your spare internet.  Most people have wireless internet networks at home, but don’t use all their bandwidth.  And you can sell the spare bandwidth you’re not using.  The best option in this space is EarnApp.  You can sign up => here.

6. Clean out the house and cars and put all the money you find aside. It might surprise you how much small change is lying in the back of drawers, in ashtrays, and between seat cushions.

7. Start a kids gumball machine business.  They can give you up to $1,000 per year in passive income, but you need to have the right mix of inventory in the machines (click here and here for more).

8. Have a yard sale or open a booth at the flea market.

9. Sell your junk on eBay, Craigslist, Amazon or any of the other good used marketplace websites.  Lots of people do well with this.

10. Make crafts and sell them on Etsy or at local craft shows.

11. Clip coupons out of the paper and sell them on eBay (yes, people do this).

12. Collect aluminum and other metals and sell them to a metal recycler. A metal detector makes this easier if you have one. You can also collect cans from your employer if they don’t already have a recycler.

13. If you must spend money, use a rewards credit card that pays cash back and cash out as soon as you’re eligible to do so.

14. Return items you bought but haven’t used for a refund.

15. If you are a mechanic, become a remote virtual consultant.  Basically, leverage car know-how on sites like JustAnswer to diagnose issues via photos/videos, suggesting fixes without touching a wrench. Expand to other trades like plumbing.

16. Rake leaves/shovel snow/cut grass/clean gutters for others.

17. Rent out a room in your house.

18. Start a blog and put ads on it using Google’s AdSense. You can also add affiliate links to your website or blog and get paid when people buy products through your links.

19. Become a freelance writer.

20. Become a temporary worker.

21. Become a medical guinea pig or sign up for clinical trials of drugs.  This actually works pretty well.

22. Donate plasma.

23. Sell your hair to a wig maker.

24. Sell your eggs to a fertility specialist.

25. Donate sperm at a sperm bank. Also, sell  your blood to a plasma center.

26. Start vegetable plants and sell the starter plants for a fraction of what nurseries charge.

27. Drop services you don’t need like cell service, cable, lawn/pool service, or Internet and free upwards of $100/month.

28. Conserve energy and water aggressively and lower those bills to free up extra cash.

29. Return cans and bottles for the deposit if it’s available where you live.

30. Teach something that you are good at to others, either through a community school or private lessons.

31. Sew/make alterations for others.

32. Help the elderly. Offer to do the shopping and take them to appointments, for a small fee.

33. Start selling your photos to stock websites.  Landscapes and some other vector images can do well.  There is a good reddit thread on this subject, here.

34. Collect ink cartridges from friends and coworkers (and your office if they don’t recycle) and give them to places like Office Depot or Staples for cash back.

35. Wash/detail cars.

36.  Petsit/Wash/detail pets.

37. Sell your stuff to a consignment shop. Here are some tips.

38. Sell food to workers at a construction site.

39. Sell your wedding china to Replacements Ltd.

40. Cash out any “points” you have lying around. Whether it’s from credit/debit card reward programs, store/product loyalty programs, gas rewards, or rewards sites, cash in everything you can and use the cash or gift cards to cover household expenses.

41. Flip niche Instagram accounts  The idea here is you grow themed accounts (e.g., “vintage typewriter memes”) to 10,00 followers using free tools, then sell them on marketplaces like SwapSocial.  Warning, this could be against Instagram’s terms of service.

42. Use equipment you already own to make money (power washing, snow blowing, etc.)

43. Start doing robocall takedown settlements: Get together with a lawyer, answer spam calls, waste scammers’ time until a real agent appears, then cite Do Not Call laws to demand $500–$2,600 settlements—document everything for legal leverage.

44. Act as a driver for the schools. Some public and private schools take on private drivers to go where buses can’t or won’t go.

45. Turn a hobby into profit (photography, cake decorating, scrapbooking, etc.)

46. Use your skills to enter and win contests that pay cash (bake-offs, craft contests, state fairs, etc.)

47. Change people’s oil for them.

48. Use your van or truck to haul heavy things for people.

49. Take any overtime your regular job offers.

50. Take a part-time job. Good part time jobs are include becoming a realtor or driving for Uber/Lyft.

Woman driving her car for uber
Image Source: Shutterstock. Woman driving her car, making extra money.

51. Clean houses.

52. If you have a lot of land, open some up for RV or boat storage at cheap rates.

53. Quit smoking/drinking.

54. Go through drive-through lanes and parking lots after hours and pick up the spare change you find.

55. Use programs like CVS Extra Care and coupons to get toiletry and cleaning items for free. Sell them at your next yard sale.

56. Use coupons and add what you save to your cash stash.

57. Refinance your mortgage. If you can swing the closing costs and you can save a point or two on your interest rate, it may be worthwhile to lower that monthly payment (particularly if you’re carrying PMI and can get out of it by refinancing). Just don’t cash out the equity.

58. Collect old cell phones from friends. family and co-workers and trade them in or resell them.

59. Become a human or car billboard. Places will pay you to decorate your car with their logos or wear their logos to popular events.

60. Become a mystery shopper.

61. If there’s a big event coming to your area like a major sports tournament or convention, rent out your house.

62. Get paid to be a friend. The paid companionship app “Rent-a-Friend” will match you with people who need platonic company for events, coffee chats, or the like.

63. If you have more than one vehicle, sell one.

64. Unload any tickets you’re holding. If you’ve got season sporting tickets or tickets to the upcoming concert, sell them (just don’t scalp them for more than face value).

65. Test drive for cash. Some car dealers will give you cash or gift cards to come in and test drive a vehicle with no obligation.

66. Drop unnecessary insurance coverage.

67. Drop any “double” services you find. For example, do you have AAA and an insurance policy that provides roadside assistance? Either don’t renew AAA or drop the roadside from your insurance coverage and save the money.

68. Check your state’s unclaimed property office to see if you are owed any money.

69. Cash in any savings bonds you have lying around. You’d be surprised how many people have them gathering dust in a drawer or safe deposit box.

70. Try to negotiate a lower interest rate on any credit card debt you have to lower the monthly payment.

71. Don’t renew magazines, gym memberships, club memberships or any other subscription/membership when it comes up. Let it go and pocket the cash.

72. Use your own ATM. Don’t pay transaction fees at another bank’s machine.

73. Sell any gift cards that you can’t/won’t use on eBay or swap them for ones you will use.

74. Write a book and sell it through LuLu or as a digital download.

75. Make music, art, computer themes, canned websites or clipart and sell them online.

76. Look into bundling the services you need to keep. It might lower the monthly bill.

77. Call all your service providers and ask if you can get a discount because you’re a good customer, always paid on time, or if you’re a member of a certain union or organization. Negotiate a discount if you can.

78. If you are a writer start a typewriter poetry on demand gig. Haul a vintage typewriter to parks or events, crafting personalized poems for passersby on a pay-what-you-want basis (boost with AI for rhymes). It’s poetic networking.

79. Actually complete and send in those rebate forms you’ve been meaning to do.

80. Sell your double stuff. Have you digitized your music or video collection to the point where the discs never see the light of day anymore? Sell them.  Some collectors love the old physical media.

81. Scrounge the local trash piles for good, intact items and sell them on Craigslist or eBay.

82. You can question the ethics of this one, but people do it all the time: Buy (or acquire for free) items from sites like Freecycle or Craigslist, or at the local thrift shop, and then resell them for a profit.

83. Be a plant/garden sitter. You water and tend to the plants while the owners are away.

84. Rent out your car on Turo.  This actually works.

85. Do video reviews of products and put them on YouTube.  YouTube is a tremendously valuable advertising platform, so they’ll pay you to make content.

86. Open a bank account that will pay you a cash bonus for opening the account.

87. Become a focus group participant. Look on Craigslist or in the want ads for postings in your area. Or just run a google search and email the companies you find in google.

88. Enter contests that give out physical prizes and sell any prizes you win.

89. Send in your FSA or HSA claims. Don’t wait until the end of the year, go ahead and get your money back.

90. Check your health insurance plan for any rebates you’re entitled to. Some reimburse wellness materials like gym memberships or weight loss programs. If you’re paying out of pocket, check and see if you can get the money back.

91. Use a site like Rakuten or another rewards program to get cash back on online shopping. Pocket the difference.

92. Ask for a raise at your regular job. It might happen and it never hurts to ask. Even in this economy, you might get it if you’re a valuable employee.

93. If you have a vacant office, room, or garage in your home, rent it out as studio space to artists or musicians whose only alternative is to pay for expensive time in a “real” studio.

94. If you are popular on a message board, ask about a moderator gig. Some are paid a tiny bit each month.

95. Get free samples from sites like WalMart.com or many others. It’s not outright cash, but every sample you get and can use or sell reduces the amount of money you have to spend on products.  A good site for this option is: thefreebieguy.com.

96. Sell any toys your kids have grown out of on Facebook Marketplace or OfferUp.

97. Get back anything you’re entitled to. If you replace your car battery yourself, be sure to take the old one back and get the core charge refunded. Get price adjustments on items that go on sale within the store’s specified time frame. Get your security and utility deposits back when you move. Don’t leave any money on the table.

98. Switch your cash savings from a non-interest bearing account to an account that pays interest.

99. Rent out parking spaces. If you live in an area with little parking or near a big event center/arena and you have a little extra space, rent it out for parking.

100. Sign up with Mechanical Turk (Mturk.com) from Amazon.com and take on tasks that interest you.

101. If you have old electronics that won’t sell, try trading them in. There are several stores/websites that offer trade-ins or take backs for cash or gift cards.

102. Stop spending on stuff you don’t need. Seriously. This is the best way to free up cash.

1000 ways to make 1000Finally, if you are serious about finding ways to make extra cash get and read a copy of One Thousand Ways to Make $1,000. This book is reputed by Warren Buffett’s biographers to be one of the major influences on the legendary investor’s business acumen. After pulling a copy of One Thousand Ways off a shelf at age eleven and devouring F.C. Minaker’s practical advice, Buffett declared that he would be a millionaire by the time he was in his 30s. Written in a plain and conversational style this book is full of inventive ideas on how to make money through hard work, excellent salesmanship, and resourcefulness. Get it from Amazon.com here.

Note that none of these tips require incurring additional debt or cashing out any savings like home equity or raiding a retirement plan. Those are courses of last resort. Try generating extra cash first. If you really want to make some extra money, try turning something you like into a home-based business. There are a lot of ways to generate extra cash if you’re willing to put forth the effort. Use your imagination and draw on your expertise and you can find several ways to bring in some extra money.

Do you have any ideas for making extra cash? Share with us in the comments below!

Material Connection Disclosure: Some of the links in this article are “affiliate links.” If you click on the link and make a purchase or sign-up, Saving Advice will receive an affiliate commission – which will help keep the site going. We only recommend products we think will add value to savingadvice.com readers. We are disclosing this in compliance with Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

Editors Note: For this story, SavingAdvice used generative AI to help with some sections of the article. An editor verified the accuracy of the information before publishing. 

Jennifer Derrick
Jennifer Derrick

Jennifer Derrick is a freelance writer, novelist and children’s book author.  When she’s not writing Jennifer enjoys running marathons, playing tennis, boardgames and reading pretty much everything she can get her hands on.  You can learn more about Jennifer at: https://jenniferderrick.com/.

jenniferderrick.com/



You Can Now Book Loyalty Eligible Hotels Directly on Rove’s Platform, Plus Earn 10X Rove Miles in Addition to Hotel Points


Book Loyalty Eligible Hotels Directly on Rove’s Platform

Rove, the free rewards platform redefining how travelers earn and use miles, has announced a new feature.

Beginning October 14, 2025, Rove users can book Loyalty Eligible hotels directly on Rove’s platform—and still earn hotel points, elite night credits, and status benefits in addition to Rove Miles. These Loyalty Eligible stays are available across all major hotel chains at tens of thousands of properties around the world.

Loyalty Eligible bookings dont replace Rove’s existing option to earn up to 25x Rove Miles per $1 spent on hotels (and even more in some cases). 

Earn Double Miles

To celebrate the launch, Rove is offering double Rove Miles on all Loyalty Eligible hotel bookings through October 31, 2025. That means a total of 10x Rove Miles per $1 spent—in addition to any hotel points and credit card rewards earned.

If you don’t have a Rove account yet, you can also earn 500 miles just for signing up.

Booking Loyalty Eligible Stays

Finding Loyalty Eligible stays is simple: When available, Loyalty Eligible rates will appear in search results right next to standard rates. Once booked, these reservations sync seamlessly with each user’s hotel loyalty account.

About Rove

Rove is the first travel rewards program to provide a flexible way for users to earn and redeem miles without the need for a travel credit card. Users can accumulate Rove Miles by booking flights and hotels through the platform, as well as by shopping with over 13,000 partner merchants via shopping portal or browser extension.

These miles can then be used to book flights with over 140 airlines and stays at hundreds of thousands of hotels, or transferred to select partner loyalty programs, offering a more versatile and accessible alternative to traditional, carrier-specific airline miles.