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Fall Cleaning Tips to Make Money and Declutter

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Fall is a great time to declutter. With colder months approaching, you’ll be able to get the unnecessary clutter, dust, and germs out of your home before you’re cooped up in there for a while. What if you could better your finances by tidying up? These fall cleaning tips can help you save and make money.

Save Money Decluttering Your Home This Fall

Yes – that’s right. In addition to making it easier to relax and unwind in your home, decluttering can help you save money. While you are decluttering and cleaning, you may realize that there are  items in your home in need of attention. For instance, if you clean your windows, you may notice damages that may impact the ability to heat your home through the winter.

Another way fall cleaning may help save money is in maintaining some of your more expensive appliances. One great thing to do in the fall is dust and clean your refrigerator’s condenser coil. Doing this can prevent you from having to call a handyman down the road as well as keep your food at the correct temperature, preventing spoiled food items. Inside the fridge, you can also get rid of expired items and clean shelves to prevent illness (another opportunity to save).

Dusting the entire house while you’re doing your fall cleaning is recommended as well. Dust can build up and cause health issues and allergies. Getting rid of that will help prevent illness throughout the winter.

While you are in the kitchen, take an inventory of what you have in your pantry and make a list. This will give you an idea of what you already have and prevent you from spending unnecessary cash at the grocery store.

Lastly, don’t forget to flip your mattress! Doing so will extend the life of your mattress and, ultimately, save you money.

Make Money Fall Cleaning

If you’re aiming to rack up savings through fall cleaning, you may also be interested in knowing that you can make money as well. While you are going through closets and getting rid of things, set items aside that you may be able to sell. Thankfully, with modern technology, you won’t even have to set up a yard sale if you don’t want to. You can post your items for sale online.

  • Facebook Marketplace: The Facebook Marketplace is a great way for people in your area to check out the items you have for sale. It is essentially an online yard sale. Many of these “yard sale” pages have search functions for people looking for something specific so be sure you use good keywords in your description. People in the Saving Advice forums have chatted about their experience with the Marketplace, see what they are saying.
  • Craigslist: Craigslist is another great place to post your unwanted items. Read about how to make money on Craigslist here.
  • eBay: One of the more popular places to post items for sale is eBay. Many sales are auction-style and it can be exciting to watch the price of your items go up. Here’s how to make money on eBay.

Even if you don’t feel like posting your items for sale or having a garage sale, you can still benefit financially by donating your items. Be sure to get a receipt when you make your donation so that you’re able to deduct it from your taxes next year.

Now that you know how decluttering and cleaning can help your mental, physical, and financial health, here is the ultimate fall cleaning checklist to get yourself and your home ready for winter.

Fall Cleaning Checklist

fall cleaning tips
Readers, would you add anything to our checklist? Let us know in the comments below. 

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Best Jobs for Retirees and People Collecting Disability Benefits

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best jobs for retirees

As of 2015, according to data from the US Census Bureau, approximately 47.8 million Americans were over the age of 65. An additional 8.7 million people were receiving Social Security Disability benefits during 2017, based on information from the Social Security Administration.

While many of those people collect financial benefits on a regular basis, not all of them want to entirely exit the workforce. Part-time, flexible, or remote options can be some of the best jobs for retirees as well as individuals on disability.

In most cases, retirees can work while receiving Social Security retirement benefits without penalty as long as they reach full retirement age first. In fact, it may even help boost their benefits in future years.

Those on Social Security Disability, however, must remain within certain income limits. Otherwise, reductions in their benefits usually occur. This means that having control over your earnings is a must, especially if you want to keep your benefits.

Uber or Lyft Driver Are Some of The Best Jobs For Retirees

If you have a car and a license, being an Uber or Lyft driver is an excellent option. You maintain complete control over your schedule, giving you the ability to exert control over your income.

This can be an ideal option for disabled persons who need to stay within an income limit. Once you get close to the threshold, you can wait until the next month before driving again. It’s also one of the best jobs for retirees as it provides for a high amount of flexibility, ensuring you are only working when you want to be.

Dog Walker

For people who like to fit some activity into their day, being a dog walker might be ideal. You typically get a substantial amount of control over your schedule as you can pick and choose your clients. Plus, you can make sure that you stay within any income limits simply by keeping an eye on your projected earnings.

If you want to start working as a dog walker, you can advertise your services locally with flyers or sign up with one of the online portals that connect dog walkers to clients.

Pet Sitter

Pet sitting is a little more involved than dog walking. Usually, you are responsible for not just exercising the animal, but providing them with basic care. Tasks like refilling food and water bowls and spending time with the pets are a must. However, the work is often pretty low-key and can be quite enjoyable.

Freelancer

In today’s gig economy, freelancing opportunities are plentiful. If you’re a skilled writer, editor, graphic designer, programmer, or have any other skill that works as a remote position, you can monetize your knowledge.

Some sites even connect freelancers to people who need simple tasks done. For example, you could pick up dry cleaning, deliver groceries, or help someone assemble furniture, most of which don’t require a specific skill set to get started.

Typically, you can pick and choose your clients, set your own rates, and decide which projects interest you. Since you are essentially self-employed, your income is largely in your control as well.

Housekeeper

For those who enjoy cleaning, becoming a housekeeper can be one of the best jobs for retirees and individuals on disability. While the work is physical, heavy lifting isn’t usually a requirement. Being able to set your own rates and hours are other common perks of this line of work.

House Sitter

House sitting offers some unique opportunities. You may be able to find gigs that let you make money while others simply provide you the ability to stay at the home. This can be an ideal arrangement for retirees looking to travel on a budget. You can eliminate hotel costs in exchange for keeping an eye on someone else’s property. Just focus on locations that peak your interest and plan to enjoy everything the city has to offer.

Tax Preparer

If you have accounting skills and the proper credentials, working as a tax preparer is another excellent option. Most of the work is highly seasonal, focusing mostly on the period between the New Year and tax filing day.

You may be able to find part-time opportunities with large chains or strike out on your own if you need to keep control over your income. Otherwise, working full-time during tax season can provide you with a small nest egg that can sustain you over the year when combined with retirement funds.

Tour Guide

If you are an expert on your community or near museums, you may be able to find work as a tour guide. Many of these opportunities are part-time and give you a chance to interact with a wide variety of people.

For those who want to try it out first, see if local zoos, art galleries, museums, or aquariums accept volunteers. You’ll need a solid knowledge base to get going in the field, but studying up can be fun if you are passionate about the subject.

Tutor

Subject-matter experts might want to consider tutoring. You can usually choose your grade level and area, letting you focus on topics you enjoy and at a comfortable level.

Often, you can freelance as a tutor or sign up with a service. Either way, you should have a reasonable amount of control over your hours, making it a highly flexible form of work.

Ultimately, all of the jobs listed above are great options for retirees and people with disabilities. Just make sure to watch your income if you are subject to restrictions. That way, you can keep your benefits while you earn additional money.

 

Do you know of a job that retirees or those on disability may enjoy? Tell us about it in the comments below.

 

Looking for more great articles about having a comfortable retirement? Give these a try:

 

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Investing in Art and Antiques for Fun and Profit

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Investing in Art and Antiques for Fun and Profit

Yes, you make money investing in art and antiques and have fun while you do it — if you’re savvy about things.

Although the rate at which antiques appreciate hasn’t been benchmarked, fine art has delivered an average annual return of 8.9 percent since 2000, according to Artprice.com.

To achieve anything comparable requires does require knowledge of the world of art and antiques, but if this is something you’re already interested in, that can make this a fun type of investing.

Diversification

Investors learn that having a diversified portfolio helps protect your money during market fluctuation. Diversification spreads out your risk: that way, if one area is experiencing losses, they might be offst by gains in other areas.

As such, antiques and art provide a great opportunity to diversify your investments — which can improve your overall performance.

The diversification comes from the fact that their values are not correlated to stock prices. If your stocks go down, your antiques and art might not lose value at the same time. In fact, they may flourish during these periods.

Illiquid Assets

However, it’s important to note that art and antiques are illiquid assets: You can’t sell them as easily as you might be able to unwind other types of investments.

Instead, you have to track down a buyer or find a suitable mechanism, like an auction, to attempt to make a sale.

This means antiques and art aren’t ideal as immediate income sources. However, if you embrace a long-term buy-and-hold strategy, pay attention to the market, and properly time your sales activities, you can make a significant profit.

Unique Costs

While all investments cost money — and that’s generally reflected in the price you pay for them — there are additional costs associated with art and antiques.

First, you must house the items. Whether this means placing them in your home or an appropriate storage unit, one way or another you’re paying for that.

If you have to store it somewhere other than where you reside, you need to make sure it’s somewhere you will be able to control the temperature and humidity — to protect the art and antiques from damage.

Insurance

Speaking of the potential for damage, you will need to insure your art and antiques. This might require you to first pay for an appraisal to determine their value so you know how much coverage to buy.

Then, you need to secure coverage through an insurance provider. High-value items may require you to purchase a rider on your homeowners’ or renters’ insurance; or you might need to obtain a completely separate plan, depending on which insurer you choose.

Maintenance

Another cost associated with art and antiques involves care and maintenance, which makes sure the assets do not lose any value.

roper cleaning techniques are a must, especially if you are going to use the items in your décor.

You also need to be careful when you use them, such as by using coasters on antique tables to avoid condensation rings.

Commissions

Additionally, depending on how you intend to buy and sell your antiques and art, you might end up paying commissions.

Not unlike the commissions you pay when you buy and sell stock, third-party art and antique auctioneers and dealers charge fees for their services.

The commissions usually amount to a percentage of the sale value — so it’s in the dealer or auctioneer’s best interest to command the highest price for items. If you sell through an auctioneer instead of a dealer, you might want to set a minimum sale price.

Popularity is an Important Factor

Since art and antique sales are predominately managed in the private market, popularity is a primary driver for value. Just because an antique or piece of art is old, that doesn’t automatically make it valuable.

Specific artists or craftspeople, periods, or styles may be more appealing for a certain period of time. Then, similar to a fad, interest may fade, leading the pieces to lose at least some of their value.

Similarly, supply and demand play a substantial role. Antiques and art only have value if there is a buyer willing to make the purchase. If a piece or artist is in demand, people may increase the amount they are open to paying in an attempt to secure the item. In an auction-style setting, this creates a bidding war, driving the price up.

However, if an antique or piece of art isn’t in demand, finding even a single buyer may be a challenge. If you really need to sell the item, you may have to accept a lower price to complete the transaction.

Investing in Art and Antiques for Fun and Profit

One of the benefits of investing in art and antiques is that you can actually enjoy the items — unlike stocks and bonds, which you can’t put on display the way you can with furniture, paintings, and sculptures can be a part of your décor.

If you enjoy the works of a particular artist, adore a furniture period, or simply find pieces that bring you joy, it can be fun to add them to your collection. This provides you with some level of intrinsic value, which can be just as beneficial as a financial gain.

Plus, if you appreciate the piece, embracing a buy-and-hold strategy isn’t a burden. You can enjoy the work while it is in your home, making it easier to wait until the market supports a high sales price.

Risk of Fakes

Just like any other type of investment, there are risks associated with art and antiques — such as the prevalence of fakes and bogus reproductions.

If you are looking at the items as an investment, you need to seek out reputable dealers and auction houses who can vouch for their authenticity and that an item is original.

Ideally, you want verification from an expert in writing and, if available, records about the piece’s history, including previous owners and details that show the piece is genuine.

Before you invest in art and antiques, do your research. That way you can make sure you are truly getting an investable item and not something that won’t retain or improve its value.

Readers, what kind you collect antiques and art as an investment? Tell us about your experience in the comments below.

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Looking for more great articles about investing? Here are a few to get you started.

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

How Much YouTubers Really Make Versus Patreon

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<img src=" How Much YouTubers REALLY Make vs. Other Sites Like Patreon.jpg" alt”handholdingacellphone">

Many people dream of becoming YouTube stars — presuming that because a few elite achievers have made small fortunes on the platform, then perhaps anyone can.

The top earners make it look easy — like Daniel Middleton, who pulled in $16.5 million in 2017; Evan Fong, who made $15.5 million that year; Dude Perfect, who made $14 million; and Markiplier, who earned $12.5 million.

Unfortunately, these figures are the exception rather than the norm: The vast majority of YouTubers barely make anything, if they are able to monetize their channels at all.

A recent study found that 96.5 percent of those trying to become YouTubers don’t earn enough from advertising to cross the poverty line.

If you break into the top 3 percent of YouTube’s most-watched channels, you might make $16,800 in ad revenue — that’s only $4,460 over the poverty line for a single person or $400 over the line for a couple.

Meanwhile, it keeps getting harder to cross that line because the top channels’ share of overall viewership is increasing.

Source: Bloomberg News and Mathias Bärtl of Offenburg University of Applied Sciences
Source: Bloomberg News and Mathias Bärtl of Offenburg University of Applied Sciences

As if that wasn’t challenging enough, YouTube has also made it harder to earn money from a video channel through a policy at the beginning of the year: New channels can’t collect advertising revenue from YouTube until they have 10,000 subscribers and a minimum of 4,000 watch hours over the previous 12-month period.

This has lead new video creators to supplement their efforts on YouTube with other income streams. Without a doubt, it’s a lot of hard work — something that others underestimate.

Sponsorships and Pledges

While some YouTubers have been supplementing their income through selling their own sponsorships, other video creators have been raising money on Patreon, which is a crowdfunding platform for content. And while the platform isn’t limited to video creators, many YouTubers embrace the platform to create revenue.

Unlike the largely ad-driven model behind YouTube, Patreon essentially lets you sell subscriptions in the form of pledges. Subscribers pledge financial support on a monthly or per project basis.

Effectively, Patreon users are collecting donations from fans. Many video creators who started on  YouTube have gone on to earn more money through their Patreon profiles than they ever did on YouTube.

Patreon Versus YouTube

Plus, Patreon appears to be more transparent than YouTube. Creators can see how much is pledged — and also look at rankings of what others are earning.<

Exactly how much a YouTuber makes through Patreon varies dramatically. Generally, you’ll need a strong following before anyone is willing to pledge any money.

Quality content is king in this case, so it requires putting your best foot forward. Plus, there needs to be an incentive for people to pledge — not just a rehashing of videos already posted on YouTube. It should have exclusive content available only to the subscribers or other rewards that are relevant to the channel.

A Patreon channel doesn’t have to be tied to YouTube at all. Or, the same Patreon account can also support ventures on other platforms, like Twitch, or even personal websites.

Taking Breaks

Interestingly, many YouTubers, even those with millions of subscribers, are taking breaks from the platform in droves.

Why would they risk a potential source of income by stepping away? For their mental health, to put it simply.

Ruben “El Rubius” Gunderson, who runs a channel with 30 million subscribers, recently said he was stepping away from YouTube, at least for a while. And he isn’t alone.

Numerous popular YouTubers have posted videos discussing decisions to step away from the site, largely pointing to the stress of keeping up the pace and pressure to keep creating while trying to stay relevant.

Many talk about burnout, while others mention the risk of a full breakdown. The pace required to keep up is hard for many to grasp, and many YouTubers stop enjoying the process as the stress piles up.

Can You Make Money as a YouTuber?

Yes, it’s still possible to make money as a YouTuber — but it requires a lot more effort than most people realize. The vast majority of creators won’t make enough to live on if they earn anything at all.

By adding other options, like linking to a Patreon account — or selling sponsorships directly — the chances to make money increase.

Posting videos on a daily basis can also help — that’s what popular creators like PewDiePie do.

Additionally, you need to be willing and able to promote yourself tirelessly. In addition to filming, editing, and posting videos, most YouTubers are active on other social media sites, using them to promote their videos and engage with fans.

The amount of time required to keep all of these balls in the air can be staggering, so don’t underestimate the workload.

Many Factors Determine Success

Additionally, whether someone will be successful on YouTube depends on a variety of factors — including the strength of a person’s network of contacts (after all, this is social media).

While the quality of the video content plays a large role in determining success, so does the person’s chosen niche.

Certain topics are fairly saturated and may be dominated by big-name YouTubers. Breaking into these niches could be a challenge, particularly if you aren’t bringing anything unique to the table.

However, if you are engaging, have a unique perspective, and are willing to do a lot of work in the hopes that one day you’ll make some money, it might pay off at some point. But, with all the competitive pressures, it’s by no means a sure thing as a money maker.

If you want to make the risk worth it, you need to pick a niche that you are truly passionate about. Not only will your enthusiasm make you more engaging, but it also makes it feel like less of a chore.

Readers, what kind of online videos do you most enjoy watching? What about creating them?

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Looking for more great articles about making money? Give these a try.

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

making money on YouTube, making money on Patreon, earning money online

6 Easy Ways to Generate Passive Income on a Budget

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Passive income is a highly sought-after option and often a misunderstood concept. It requires an upfront investment and a high level of nurturing at the start. Over time and with hard work, passive income sources grow to a point where they can maintain themselves, offering you a consistent revenue even when asleep.

That said, no source of income which is truly passive. You must do some work; otherwise, you will jump in and snap up the income opportunity before you even earn anything. Here are six easy ways to generate passive income on a budget.

1. Take Advantage of YouTube

Bust out your iPhone and begin recording some informative videos. You need viral videos to begin making money on YouTube’s AdSense platform. You can also generate income if you own a modestly viewed channel where you post excellent videos regularly.

In some cases, channel partners earn fame with time and end up winning other deals on TV and commercial. For instance, Justin Bieber began on YouTube. Therefore, even if you won’t make millions, you can still reach a particular level of YouTube fame.

2. Sell an eBook Online

Self-publishing is mainstream today. Whenever you purchase an eBook from Amazon, the chances are that the e-book was self-published. The entire process of self-publishing is pretty easy. Consider creating a top-quality piece of highly informative eBook and sell it on Amazon.

You shouldn’t expect instant success. You need to do a lot of book marketing before you can turn your investment into a passive source of income.

3. Offer Consulting Services

This isn’t quite a source of passive income. However, it can become one of your top sources of income. Take whatever the skill you have acquired through your education or day job and begin offering consultation services outside your work hours.

Note that this is work you are used to doing. Thus, you are professional, and you can charge better prices for your services. Besides, you will enjoy more flexibility across the board as compared to your 8 am to 5 pm job.

4. Start Dropshipping

If you’re contemplating setting up an e-commerce business without worrying about all the annoyances associated inventory, dropshipping is a great option. All you need to do is to create a storefront and establish great relationships with different manufacturers.

Whenever a client places an order, you will simply send the invoice to the right manufacturer, and the item will be shipped directly to your client. The only cash outlay you have will come once the client has paid for the item. If you intend to start drop shipping, Shopify is a great platform you can start from.

5. Blogging

Blogging can be both rewarding and a passive income stream. You can set up a simple WordPress blog. Simply grab an excellent WordPress theme and start writing. You can generate income by creating and selling your products, selling affiliate products, or even by advertising.

Note that starting a blog isn’t the easiest path to richness, but you try it.

6. Sell Products on Amazon

Digital products are not the only things can be sold online. You can also offer physical products. Though managing everything on your own may hectic, there are other options.

‘Fulfilled by Amazon’ program is a popular income option. All you need to do is create a product or purchase it in bulk and ship it to Amazon. The platform will list it, sell, and deliver it to you. Note that entire business may require a huge initial capital outlay. However, once Amazon gets your products, you don’t need to anything else.

How Do I Earn Money Fast and Securely Online?

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making money online
Making money has always been the driving force for most of us. We are driven to always look for new and innovative ways to earn that extra penny. Therefore in the search for more money, more and more people have come up with more and more ways to earn money. Thus the conception of the idea of making money online.

There are various forms of online businesses that one can rely on to earn a living or merely make more money on the side. A perfect example of an innovative online company would be a custom term paper writing online service. Online writing has become an alternative or supplementary source of income for most industry professionals.

However earning money is only half the battle, getting paid on the other hand is a challenge for some. For one to get paid online, you have to have any one of the conventional payment systems available and acceptable by online writing companies.

Most, if not all, of the time these conventional payment systems such as banks often charge large levies on your hard earned money just to allow you to transact with them. As such you only get a fraction of what you have worked for. What if I could tell you, with Bitcoin you can overcome all the challenges you experience while transacting online.

Bitcoin is an ideal and relatively new technology that can be used by an individual as a simple way to transact online at minuscule costs. Also, businesses prefer to use Bitcoin as a mode of payment because it is an economical option of handling payments online. Bitcoin has also been integrated into various organizational structures to facilitate day to day activities. Bitcoin is a new kind of currency created in 2009 by an unknown developer and released to the public, for free, by an individual using the code-name “Satoshi Nakamoto.”

What Is Bitcoin Why Is It A Big Deal

Bitcoin was conceptualized during the collapse of the US financial and economic markets, when an inventor and software developer released a paper on Bitcoin, terming it as a viable P2P payment system. For now, Bitcoin can only do so much in the current markets and is still a long way from competing with world currencies such as the US dollar ($) and euros (£).

However, Bitcoin is on the right track, and that is why it has caught the attention of so many people who have considered it a world-changing technological breakthrough. Therefore this is why Bitcoin as a crypto-currency, matters and what needs to happen for it to succeed. Bitcoin offers users a new and innovative payment system.

The system operates without any centralized authority; that means no middlemen such as banks or any other financial institutions. Bitcoin is so popular due to it lacking a centralized authority, which ultimately means that you do not have to pay intermediaries to get your earnings. The network collectively manages the managing, transaction and the issuance of bitcoins. Nobody controls own or can lay claim to the design of bitcoin.

Another contributing factor that could explain why Bitcoin is so popular is because of its use as a universally accepted mode of payment for both products and services rendered and received. Bitcoin has surpassed most previous payment systems through its many exceptional properties not limited to anonymity and global acceptance as the leading factors. With bitcoin, you can pay for your hotel room, buy Xbox games, and shop for furniture… you catch my drift.

But there is a catch, the service provider or employee must be willing to accept it as a mode of payment. You can pretty much do anything with bitcoin, and best of all no hefty conversion fee that is usually charged by financial institutions who are in it to make a profit from the transactions you make.

As a way of introducing the currency to the people, mining the crypto-currency has been made easier. One is required to set your clients to a specific node and decipher a puzzle. Successfully deciphering the puzzle earns you 50 Bitcoins. The Bitcoins awarded are sourced from the small fees charged on verified transactions on the network.

Is Bitcoin Legal Currency Worldwide?

By definition cryptocurrency, such as Bitcoin, is a digital currency that employs various encryption methods to regulate its generation and also verify transactions. All these operations are independent of a centralized banking system and not monitored by any financial bodies. Bitcoin provides an outlet for decentralizing personal wealth that is beyond scrutiny, constraint, and confiscation by any government or security agents.

The legality or illegality of Bitcoin varies from one country to the next as either undefined or changing. A majority of the global economy does not make the use of Bitcoin illegal. However, its status as money is faced with regulatory implications while in others it’s openly accepted. You are permitted to use Bitcoins in the US, provided the transactions are taxed, and reporting is done; as is the case with any other financial institution in the US.

Perhaps the most notable of all of Bitcoin’s features is that the economics of the currency is not controlled by any one individual, institution, organization or even government. The economic functions are embedded into Bitcoin protocols developed by S. Nakamoto. Nonetheless, it is due to the uncertainty of the supply and lack of government control in the use of Bitcoin, that it is not considered a legal currency. Some authorities, such as the government of Ecuador, have gone as far as banning the cryptocurrency and others like it.

Why Is Bitcoin Prevalent As A Preferred Online Payment Method?

Bitcoin has taken the world by storm as being the simplest way to transact and interchange money with the added benefit of having most of the overhead costs slashed. The most crucial aspect that Bitcoin is its decentralized nature, though this has been the reason for it being banned in several countries worldwide. The reasons why Bitcoin became popular is mostly as a result of its characteristics. They include;

  • Availability at any time and any place
  • Easy setup as a mobile payment system
  • Anonymity, transparency, and security
  • Fast and reliable international payments
  • Miniscule and manageable fees
  • Has a wide range of applications

How Do I Earn Bitcoins As A Writer?

While working as a writer, there are various ways in which you can get your hands on some bitcoins; the first and obvious method is to mine them yourself by completing complex mathematical puzzles. This task is tedious and not preferred by most. On the other hand, you can visit online marketplaces known as “Bitcoin Exchanges.”

On these marketplaces, writers can buy any amount of bitcoins online using different currencies, probably earned from your work as a writer. Online writing companies have come to embrace the use of cryptocurrency and offer their writers the option to get paid with Bitcoin. The recipient need only have a digital wallet, stored in the cloud or on their computer as a kind of virtual banking system, to help him or she receives payments in the form of Bitcoins.