Clinton releases tax, medical records as emails made public-By Lisa Lerer

Amid latest release of emails, Hillary Clinton's campaign makes public tax and medical details

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Democratic presidential candidate Hillary Rodham Clinton waves as she is introduced before speaking to the National Urban League, Friday, July 31, 2015, in Fort Lauderdale, Fla. (AP Photo/Wilfredo Lee)

WASHINGTON (AP) -- Hillary Rodham Clinton and her husband paid close to $44 million in federal taxes since 2007 and she is in "excellent physical condition," two facts that emerged in a flood of disclosures from the campaign of the Democratic presidential candidate.
Within a three-hour period Friday, the State Department made public more than 2,200 pages of emails sent from Clinton's personal account, her campaign released a letter from her personal doctor about her health and she unveiled eight years of tax returns. Meanwhile, Clinton herself was campaigning at the annual meeting of the National Urban League and calling for an end of the nation's trade embargo of Cuba during a speech in Miami.
Friday was also the deadline for super PACs to file their first financial reports of the 2016 campaign with federal regulators, revealing the names of a slew of billionaires and millionaires paying for the early days of the 2016 election.
Campaign aides cast the records dump as part of an effort to compete with Republican presidential candidate Jeb Bush on the issue of transparency. Clinton is the first 2016 presidential candidate to release her health records, and aides said she released more detail about her finances than Bush, the former Florida governor who has already made public 33 years of his tax returns.
Republicans didn't buy it.
"This massive Friday news dump was not a good-faith effort at transparency, it was a deliberate attempt to sweep things like three dozen more classified emails under the rug," said Republican National Committee spokesperson Michael Short.
The Clintons earned more than $139 million between 2007 and 2014, according to the returns, and made almost $15 million in charitable contributions — including a $3 million donation to their family foundation in 2014. Last year, they paid an overall federal tax rate of 35.7 percent.
The couple made nearly $23 million from speaking fees alone in 2013 — the year Clinton left the State Department — and collected an additional $20 million from paid events last year. The remainder of their income came largely from book royalties and consulting fees paid to Bill Clinton.
In a statement, Clinton emphasized that she came into her wealth later in her life — an effort to draw a distinction with Bush, the scion of a rich political family.
"We've come a long way from my days going door-to-door for the Children's Defense Fund and earning $16,450 as a young law professor in Arkansas — and we owe it to the opportunities America provides," she said.

Bush has earned nearly $28 million since leaving the Florida governor's mansion in 2007 and paid an effective federal income tax rate of roughly 36 percent in the past three decades, according to tax returns released by his campaign last month. He's said he paid a higher rate than the Clintons, though he earned less income.

Both candidates are in the top 1 percent of taxpayers, who paid an average of 30.2 percent between 1981 and 2011, according to figures from the Congressional Budget Office. The average for middle-income households in that time was 16.6 percent.

The financial release came just hours after Dr. Lisa Bardack, an internist and chairman of the Department of Medicine at the Mount Kisco Medical Group near the candidate's suburban New York home, publicly detailed Clinton's health in a two-page letter.

The report said Clinton, who is 67, has fully recovered from a concussion she sustained in December 2012 after fainting, an episode that Bardack attributed to a stomach virus and dehydration.
During the course of her concussion treatment, Clinton was also found to have a blood clot and was given medication to dissolve it. She remains on the medicine as a precaution, Bardack wrote.

The blood clot, which was in a vein in the space between the brain and the skull behind the right ear, led Clinton to spend a few days in New York-Presbyterian Hospital and take a month-long absence from the State Department for treatment.

Republican strategist Karl Rove later cast the incident as a "serious health episode" that would be an issue if Clinton ran for president, fueling a theory the concussion posed a graver threat to her abilities than Clinton and her team let on.

Bardack said testing the following year showed "complete resolution" of the concussion's effects, including double vision, which Clinton wore glasses with special lenses to address.

According to her doctor's assessment, Clinton's cholesterol and blood pressure are in normal, healthy ranges, and she has had the major cancer screenings and exams recommended for someone her age. She has a very common thyroid condition and seasonal allergies, and takes a blood thinner — Coumadin — as a precaution since her fall and the blood clot.

There was no mention of Clinton's height or weight.

"There's no red flags there," said Dr. Mark Creager, director of the Dartmouth-Hitchkock heart and vascular center in Lebanon, New Hampshire, and president of the American Heart Association.

Clinton's doctor said she exercises regularly — practicing yoga, swimming, walking and weight training — and eats a diet rich in lean proteins, vegetables and fruits. She does not smoke and drinks alcohol "occasionally," Bardack wrote.

Culled from AP

Higher wages a surprising success for Seattle restaurant-By Gene Johnson

Seattle restaurant succeeds with jump to $15 an hour, but broader effects of pay law uncertain

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In this photo taken Monday, July 27, 2015, Bob Donegan, president of Ivar’s Seafood Restaurants, stands below a Native American artwork in one of the company's restaurants in Seattle. After Seattle's new minimum wage law took effect last April 1, Ivar’s announced that it was jacking up its prices by about 21 percent, eliminating tipping as a routine procedure, and immediately paying all its hourly workers a $15 per hour. They began the new pay rate three years earlier than the law required. (AP Photo/Elaine Thompson)

SEATTLE (AP) -- Menu prices are up 21 percent and you don't have to tip at Ivar's Salmon House on Seattle's Lake Union after the restaurant decided to institute the city's $15-an-hour minimum wage two years ahead of schedule.
It is staff, not diners, who feel the real difference, with wages as much as 60 percent higher than before. One waitress is saving for accounting classes and finding it easier to take weekend vacations, while another server is using the added pay to cover increased rent.
Seattle's law, adopted last year after a strong push from labor and grassroots activists, bumped the city's minimum wage to $11 beginning April 1, above Washington state's highest-in-the-nation $9.47. Scheduled increases that depend on business size and benefits will bring the minimum to $15 within four years for large businesses and seven years for smaller ones.
There's little data yet on how the law's working.
"To the extent that we can look at macro patterns, we're not seeing a problem," said Seattle Mayor Ed Murray.
As Washington, D.C., and other cities consider following Seattle, San Francisco and Los Angeles in phasing in a $15-an-hour minimum wage, Ivar's approach, adopted in April, offers lessons in how some businesses might adapt. Ivar's Seafood Restaurants President Bob Donegan decided to raise prices, tell customers that they don't need to tip, and parcel the added revenue among the hourly staff.
For some of the restaurant's lesser paid workers — including bussers and dishwashers — that's meant as much as 60 percent more. Revenue has soared, supportive customers are leaving additional tips even though they don't need to, and servers and bartenders are on pace to increase their annual pay by thousands, with wages for a few of the best compensated approaching $80,000 a year.
"It's been a surprise," Donegan said. "The customers seem to like it, the employees seem to like it, and it seems to be working, at least in this location."
Rochelle Hann, 25, is a second-generation worker at Ivar's. Like her mom, she has performed a variety of roles, including serving, bookkeeping and even dressing up as a giant clam. If she keeps working 30 hours a week, her annual pay will jump about $12,000 — money she's socking away for accounting classes at a community college.
"Before, I felt like it was maybe not quite paycheck-to-paycheck, but now I don't even have to worry about it," she said. "I just went away for the weekend, and it was an easy expense."
Brett Richards, a 50-year-old singer and guitarist, has worked 25 years in food service, including the past eight at Ivar's. Before, he made minimum wage, plus tips. Now, he gets $15 an hour, plus a share of the 21 percent menu price increase, plus any additional tips customers leave. He expects to make almost $7,000 more this year, money that's helping him with his increased rent and with taking his kids out to eat a little more often.
Other industries with minimum wage employees could have a tougher time as worker pay climbs.
"What we expect to observe is this is not going to be a policy that's universally good for everybody or bad for everybody," said Jacob Vigdor, a University of Washington professor who is leading a study of Seattle's minimum wage law. The study includes recurring surveys of 700 Seattle businesses and ongoing interviews with about 50 low-wage workers and their families.
Downtown Emergency Services Center, which relies heavily on government contracts to provide housing and other services for chronically homeless residents, might need to cut those services unless the city boosts its funding.
"The economic justice that would be happening for our employees would be borne by our clients, who are extremely vulnerable people," said executive director Daniel Malone.
In the restaurant industry, where many low-wage workers are employed, adapting could mean pooling tips among all workers, cutting shifts or relying on technology — such as mobile phone applications that let customers pay electronically, rather than having someone dedicated to running the cash register.
"This last jump wasn't that far out of market so it didn't require a lot of reworking of the financials," says Anthony Anton, president of the Washington Restaurant Association. "Those second and third jumps will be much bigger jumps. Everyone is talking about what to do."
At Ivar's Salmon House, decorated with century-old, hand-carved canoes and tribal art, Donegan attributes at least some of his pay policy's success to Seattle's white-hot economy. Looking out the broad windows of the dining room across Lake Union, diners can take in pleasure boats and kayaks cruising by, seaplanes landing, the Space Needle — and across the water, the ever-growing Amazon campus that has brought tens of thousands of workers to the city in the past few years.
The restaurant's revenue is up 20 percent, said Donegan, who served on the mayoral committee that drafted the minimum wage law.

A few other table-service restaurants have started following suit, and Donegan said he gets inquiries every day from owners wondering how Ivar's policy is working. But the approach is unlikely to be replicated among fast food restaurants or others where servers make less in tips — even though New York City is making $15 an hour the minimum wage for fast food chains.

Even Ivar's isn't expanding its new policy to its quick-service seafood stands.

Culled from AP

AstraZeneca beats profit forecasts, helped by external deals

A sign is seen at an AstraZeneca site in Macclesfield, central England May 19, 2014. REUTERS/Phil Noble

LONDON (Reuters) - AstraZeneca (AZN.L) revenue fell by a smaller-than-expected 7 percent in the second quarter, as income from spinning off assets offset generic competition to older medicines and a strong dollar.
The drugmaker increased its revenue forecast for the year and said it now expected a low single-digit percentage decline, against mid single-digit previously, while core earnings are still expected to increase at a low single-digit rate.
The decision to hold the earnings outlook despite a better revenue picture reflects accelerated investment in research and development, the company said.
Chief Executive Pascal Soriot, who fended off a $118 billion (75.6 billion pounds) takeover attempt by Pfizer (PFE.N) last year, is banking on a promising pipeline of new drugs - particularly in cancer - to revive the company's sales from 2017.
Quarterly sales totalled $6.3 billion, held back by cheap copycat versions of heartburn pill Nexium, while core earnings per share, which exclude certain items, fell 8 percent to $1.21.
Industry analysts had on average forecast sales of $6.0 billion and earnings of $1.05 cents a share, according to Thomson Reuters.

Revenue from "externalisation", or the sale of rights to certain drugs, amounted to $780 million in the six months to June 30, with the largest chunk coming from a $450 million deal with Celgene (CELG.O).

(Reporting by Ben Hirschler; editing by Dominic Evans)

Culled from Reuters

Total beats second-quarter profit forecast, cost cuts to exceed 2015 goal

A logo is pictured at French oil and gas company Total gas station in Marseille, February 11, 2015. REUTERS/Jean-Paul Pelissier

By Michel Rose

PARIS (Reuters) - French oil major Total (TOTF.PA) posted higher than expected second-quarter profit on Wednesday, helped by increased refining margins in Europe and accelerated cost-cutting efforts to adjust to a low oil price environment.
The fourth-biggest western oil company reported $3.085 billion in net adjusted profit, a 2 percent drop from the same period a year ago. Crude oil prices collapsed by 44 percent over the same period.
Analysts expected adjusted net profit of $2.61 billion, according to a Thomson Reuters I/B/E/S consensus.
Profits at its "downstream" refining and chemicals sector tripled, while oil and gas production rose from a year ago thanks to new start-ups and the return of barrels from an Abu Dhabi concession.
At 2.299 million barrels of oil equivalent, output was slightly lower than in the first quarter, however, due to the shutdown of a liquefied natural gas plant in war-torn Yemen.

Total said it was expecting to exceed its cost reduction target of $1.2 billion (770 million pounds) this year, which it had already raised from a previous $800 million goal.
It confirmed its objective to cut capital expenditure to $23-24 billion this year.
Oil companies are cutting spending on exploration and have cancelled projects in high-cost areas such as Canadian oil sands after the collapse in oil prices in the second half of last year.
Total kept its dividend unchanged for the second quarter, at 0.61 euros per share.

Shares have fallen by 20 percent since a peak in June last year, but have nevertheless performed better than its four other 'Big Oil' rivals. The group has been praised by analysts for moving early on cost cuts.

On Wednesday it announced it was selling 20 percent of its Laggan-Tormore gas field in the Shetlands to SSE (SSE.L) for 565 million pounds. It said it was in talks to sell several other assets, without elaborating.

It still expects oil and gas production to rise by more than 8 percent this year, despite the shutdown of Yemen LNG. In the second half, Total expects production to start at Laggan-Tormore, Surmont Phase 2 in Canada and GLNG in Australia.

In its downstream, or refining, sector Total, Europe's biggest refiner, said market conditions remained favourable at the start of the third quarter.

(Reporting by Michel Rose; editing by Susan Thomas)

Culled from Reuters

Volkswagen sold more vehicles than Toyota in first half-By Yuri Kageyama

Volkswagen outsells Toyota in first half worldwide, GM reporting results later this week

TOKYO (AP) -- Volkswagen overtook Toyota in global vehicle sales for January-June, the first time the German automaker has come out top in the intensely competitive tallies.
Japanese automaker Toyota Motor Corp. said Tuesday it sold 5.02 million vehicles in the first six months of this year, down 1.5 percent from the same period the previous year, as sales struggled especially in the languishing Japanese market.
Volkswagen AG said earlier this month that it sold 5.04 million vehicles during the same period. Sales were robust in Europe and North America but fell in China, usually a strong market for the company. Its first-half sales were 0.5 percent down from the same period in 2014.
Detroit-based General Motors Corp., the top-selling automaker for more than seven decades until being surpassed by Toyota in 2008, is expected to report its figure Thursday.
GM retook the sales crown in 2011, when Toyota's production was hurt by the quake and tsunami in northeastern Japan.
Toyota, which makes the Prius hybrid, Camry sedan and Lexus luxury models, made a big comeback in 2012, and has been the world's top-selling automaker for the past three years.
In the first half, Toyota's sales grew in U.S., Mexico and China.
Last year, Toyota sold 10.23 million vehicles, beating Volkswagen and General Motors. But it has said it's expecting to sell fewer trucks and cars this year, forecasting sales will fall 1 percent year-on-year to 10.15 million vehicles.
Volkswagen sold 10.14 million vehicles in 2014. VW makes the Beetle and Golf cars, and also has the Porsche, Bugatti and Audi brands under its group.
GM, which makes the Cadillac and Opel cars, was third at 9.92 million vehicles in global sales last year.
The ranking could still change when numbers come in for the entire year.

None of the automakers say they are trying to be No. 1 for the sake of being No. 1. But the industry crown is coveted and significant.

Culled from AP

The new bounty hunters chasing the Internet's 'most wanted' -Krysia Lenzo |

If you want to make money as a bounty hunter today, head to the Wild West of the Internet.
Start-up cybersecurity companies are catching criminals before they act, by hiring "white hat" hackers—the good guys—to run bug bounty programs and find vulnerabilities in client networks.
According to a study released by the Ponemon Institute, which conducts independent research on privacy, data protection and information security policy, the total average cost of a data breach for companies around the world has increased to $3.8 million, up from $3.5 million a year ago. Since hackers can adapt much more quickly than algorithms can be created, individuals well trained in cybersecurity may now be considered a less expensive solution to stopping the latest type of online security threats.

In short, the online bounty-hunting game can be very lucrative.

Making money getting rid of bugs

Bill Hinton | Getty Images

Bugcrowd, founded in 2012, manages more than 160 bounty programs for companies, including Western Union, Pinterest and Tesla Motors. Bugcrowd "white hats" can receive an award based on the severity of the discovery they make.
In Tesla's case, rewards per bug found are on the lower end of the spectrum, ranging from $25 to $1,000. Google and Facebook, on the other hand, have given out bounties per bug of $22,000 and $33,500, respectively.
The corporate client specifies the extent of a bug bounty program—whether it is reviewing the front-facing website, as in the case of Western Union, Pinterest and Tesla—or going deeper into a company's network, such as with Google and Facebook.
HackerOne, which runs the Yahoo and Twitter bug bounty programs, also pairs researchers with companies through its platform. It charges companies 20 percent of the bounties awarded to researchers. To date, approximately 1,600 researchers on HackerOne's platform have received about $3.48 million in payouts, based on finding 10,557 bugs.


Behrouz Sadeghipour has discovered almost 180 bugs during his time as a researcher at Bugcrowd and through other programs. This form of bounty hunting provides a way for him to earn lucrative payouts from major companies, including Yahoo and PayPal.
Sadeghipour found a cross-site scripting (XSS) flaw in both companies' systems, a major vulnerability that would allow a hacker to inject malicious script to obtain information stored in the user's browser.

"Two or three years ago it was difficult for me to find a job in a bug bounty program," said Sadeghipour. "You either had to be hired by a company directly or work for a consulting firm. Now I can research vulnerabilities legally and have a safety net if I decide to hack programs on my own."
Bugcrowd's "white-hat" universe now includes 18,600 researchers who, on average, discover 10 to 12 issues that a company may face per day. Bugcrowd's researchers submit vulnerabilities they find to a secure platform called Crowdcontrol.
Researchers report glitches to Bugcrowd rather than to the company whose network is being tested by the bug bounty program, to make it more manageable for large corporations—many of the findings submitted may be illegitimate or duplicates. Companies can use Bugcrowd's subscription model to have their network tested by researchers for a specific amount of time, depending on their cybersecurity needs.

"Two or three years ago it was difficult for me to find a job in a bug bounty program. ... Now I can research vulnerabilities legally and have a safety net if I decide to hack programs on my own." -Behrouz Sadeghipour, Bugcrowd white-hat researcher

Synack, founded in 2013 by two former National Security Agency members, has taken a stricter approach in the bug bounty profit model. It employs an elite group of researchers called the "red team," which operates on a bounty basis to find cybersecurity threats. Yet unlike HackerOne and Bugcrowd, it is not open to anyone who creates a profile.
Synack has a strict vetting process for its red team members—only 10 percent of those who apply get accepted. Meanwhile, it's red team numbers in the hundreds across six continents.
Anshuman Bhartiya, a full-time principal security engineer for the technology company EMC and a member of Synack's red team, received a three-step evaluation process that started with a comprehensive interview. He then had to pass both a written exam and a practical test, where he hacked into an application to find its vulnerabilities. It ended with an extensive background check. Bhartiya now spends a few hours a week as a red team member when not at EMC.
"The bug bounty program has helped me improve my skill set in my full-time job," Bhartiya said, who has discovered five different issues for Synack for which he received payouts ranging from $2,000 to $5,000.

Man vs. machine vs. hacker

Redwood City, California-based Synack, a 2015 CNBC Disruptor, has raised a total of $34 million to date since its launch, from investors that include Google Ventures, Kleiner Perkins Caufield & Byers, and Greylock Partners.
Synack's vice president of strategy and business operations, Gus Anagnos, was poached from PayPal, where he was responsible for developing and leading PayPal's bug bounty program. Anagnos started the program after recognizing the inherent problems that arise when customized software is not able to catch the work of skilled hackers who use homegrown code.
He described PayPal's original security program as having "limited efficacy," fulfilling just the basic ability to meet compliance requirements.
Anangos said one of the key reasons he was lured by the bug bounty model is the opportunity to prove how important human intelligence remains even as the business world becomes more automated.
"It was the value of putting the human element on top of all the other tools that we were using that brought the bar much higher than it was previously at PayPal," Anagnos said.
That value can also be measured in the new income sources for the bug bounty hunters.
"There was one report that came through the other day that allowed a researcher to look at the profile of someone on social media which was not publicly accessible. How would you fix a problem like that with automation?" said Jonathan Cran, Bugcrowd vice president.

Culled CNBC

7 Ways to Make Money in a Day-Erika Rawes

Source: Thinkstock

When we discuss personal finance topics, we often go over things like how much to save, retirement planning, career planning, and investing your money properly. While all of these concepts are essential parts of money management, we seldom address one major topic that’s a real issue for a lot of people: Ways to earn quick money in a financial emergency.
Of course, we’re supposed to have an emergency fund to cover us during times like these, but hindsight is 20/20, and a large portion of people (26% according to a Bankrate survey) report having no emergency savings. So, how do you fatten your wallet if you’re completely tapped out?
A side job, or second job, is the solution for most Americans. The Census Bureau reports that around 5% of the workforce has a second job and oftentimes, these moonlighters work a full-time “day job” and then have a part-time side job that helps them bring in extra cash. But finding and obtaining a side job takes time. You have to job search, apply, interview, and fill out all of the required paperwork (an I-9 form, etc.). Let’s not forget to mention any training periods the job may require. It could be over a month before you see your first paycheck, and you probably need money before that if you’re in a pinch.
We’ve created a list of ways to make money when you’re in a real bind. Of course, some of these methods of money-making are not the most ideal, but they will serve as plausible means by which to get your hands on quick cash.

1. Babysit or Pet-sit

Source: Thinkstock

• Upfront investment required: none
• How much you can realistically expect to make in one day: around $80 for a full 8 hour day

Babysitting or pet-sitting for someone you know is a quick way to make cash. According to PayScale, the nationwide average hourly wage for a babysitter is $9.85. As a pet-sitter, you can earn around $16 per visit.

2. Sell services door-to-door (mow lawns or wash cars)

Source: Thinkstock

• Upfront investment required: varies between $0 and $30
• How much you can realistically expect to make in one day: According to Angie’s list, the average yard costs between $35 and $50, which includes the works — mowing, trimming, edging, etc. Therefore, if you find three customers, you may be able to pull in $150.

Selling inexpensive services (like mowing lawns, washing cars, or other chores) to your community is a great way to earn some same-day cash, but only if you already have most of the tools needed to do the job around your house. Unless you plan on starting a landscaping business (which may require other investment costs like those related to any licensing and advertising), it’s probably not the best idea to go out and purchase a lawnmower, or other large equipment.

3. Sell water bottles, flowers, or fruit

Source: Thinkstock

• Upfront investment required: $10
• How much you can realistically expect to make in one day: $60

A case of 24 bottles of store-brand water cost around $3, according to Food Lion. If you buy three cases, place them in a cooler on ice, and then sell each bottle for $1 a piece on the side of the road or at a local event or festival, you can earn some quick and easy cash in one day. Of course, there is no guarantee that you’ll sell all (or any) of the water, but the potential profit margin is huge and the risk is low. The same idea applies with flowers or fruit from the farmer’s market.

4. Go scrapping

Source: Thinkstock

• Upfront investment required: none
• How much you can realistically expect to make in one day: varies, but you probably won’t make more than $20

If your garage looks like a metal yard, you can rummage through all of your junk and find valuable metal and sell it for cash. But, keep in mind that you probably won’t earn a whole lot of cash for your metal. PBS’s Newshour analyzed scrapping, finding out how much metal you’d have to collect to earn a day’s minimum wage. According to the news site, here’s how much metal you’d have to collect to earn $58:

• one catalytic converter
• 20 pounds of copper wire
• 95 pounds of aluminum cans
• 103 pounds of aluminum siding -or-
• 111 pounds of steel

But, if you have old appliances, like an old washer, dryer, or refrigerator, those can be worth between $8 and $28 in scrap metal alone. So, it’s worth a try, especially if you’re in a bind.

5. Have a yard sale

Source: Thinkstock

• Upfront investment required: $5 for posters and signs
• How much you can realistically expect to make in one day: varies

According to the Statistic Brain Research Center, there are 165,000 yard sales in the U.S. each week. The best time to hold a yard sale is Saturday morning at 7 a.m., but you can really hold one anytime. The statistics research site also found the following average prices of yard sale items:

• Clothing and apparel: 59 cents
• Accessories: 70 cents
• Crafting items: 45 cents
• Decorative items: 83 cents
• Entertainment (like movies and books): 47 cents
• Household goods (like dishes and office supplies): 57 cents
• Yard items (like garden tools and plants): $2.37
• Average price all of yard sale items: 85 cents

Considering these prices, you’re probably not going to make hundreds of dollars in one day by having a yard sale, but you can certainly make $25, $50, or maybe even $100, if your sale is successful.

6. Sell or return merchandise

Source: Thinkstock

• Upfront investment required: n/a
• How much you can realistically expect to make in one day: varies

If you have old clothing, electronics, textbooks, or other items of value lying around, making a visit to the local pawn shop can get you a few bucks in an emergency. Pawnbroking is one of the oldest forms of credit. According to a Boston University publication, interest rates at pawnbrokers vary by state, but they’re often in the 25% range. So, if you want to pawn instead of selling, getting your stuff back comes at a cost, but it’s certainly doable. Don’t forget to check out yard sale websites, like Bookoo, where you can post your items online for a local member of your community to buy in person.
If you recently purchased an item from a retailer that you haven’t gotten around to opening, why not return it? Of course, it’s a good idea to review the store’s return policy before you waste the trip to ensure you have everything you need (e.g. the receipt), you are within the return window, and that the item you purchased is eligible for return. But, even if you lost your receipt, some stores will still issue store credit, which can also help you in a pinch.

7. Collect change

Source: Thinkstock

• Upfront investment required: n/a
• How much you can realistically expect to make in one day: varies, but probably no more than $10

Found in seat cushions, drawers, car floors, pockets, and other random places, change may be something you forget about until you’re broke. And, when you’re in a financial emergency situation, it may just be exactly what you need to get through until payday. You can even go exchange it for bills at one of those Coinstar machines. But, if you want cash, you have to pay a 10.9% fee. “Free coin counting is available at most locations in the United States if you convert your coins to a nationally-branded gift card or eCertificate,” reports Coinstar.

Culled from wallstreetcheatsheet