October 7, 2025 • 26 mins
Think playing solitaire can pay the rent? We take a look at the booming world of “get-paid-to-play” mobile apps—reward platforms, “skill-based” tournaments, and lottery-style games—and ask the only question that matters: how much can you actually earn? Drew and Jeff share firsthand experiences; unpack how early milestones hook you with small wins; and explain why minimum cashouts, token expirations, and transfer fees quietly shrink your payout.
Be sure to follow the show, share it with a friend, and leave a quick review so others can find it.
Credits:
An AmeriServ Financial, Inc. Production
Music by SchneckMind
Hosted by Drew Thomas and Jeffrey Matevish
Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.
DISCLAIMER
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Drew Thomas (00:19):
All right, so let me ask you this, what was the
first mobile app game? The firstmobile, yeah, trivia time. We're
going to start with, oh, whatwas the first mobile app game?
Jeff Matevish (00:30):
Mobile Tetris?
Drew Thomas (00:35):
That's a good guess, but no, no. Tetris was
pretty early. But no, the firstmobile app game was actually
snake.
Jeff Matevish (00:42):
Snake, oh, okay, on a Nokia or something, okay.
Drew Thomas (00:45):
Yeah, snake that would go around and he had to
chase the dot or whatever thatwas. That's widely considered to
be the first mobile app, game.
And now we're done. No, thereason that I, the reason that I
asked the question is becausetoday we're going to talk about
gaming apps. Okay. And I thoughtthat we could talk about this
(01:07):
because there are so many gamingapps on your, I mean, ever, I
shouldn't say everybody, 9 outof 10 people have a smartphone
at this, at this stage of thegame. If you're over the age of
8 or under the age of 90, youprobably have a smartphone, and
there are a lot of games outthere that people play that
claim to pay you to play theirgame.
Jeff Matevish (01:32):
Yeah, yeah, I've seen those.
Drew Thomas (01:33):
And so I thought it would be a good conversation to
have on a, on a Bank Chatspodcast, okay, to talk about
whether or not these things arelegit, whether you can really
make money, and how much moneyyou can theoretically make
potentially, and just kind oftalk through whether or not
these things are, generallyspeaking, a good idea or not.
Jeff Matevish (01:55):
Drew's gonna tell me if I'm gonna be able to quit
my job or not.
Drew Thomas (01:59):
You will not.
Foreshadowing. Spoiler alert,you're now Okay, okay, because
I'm not going to tell you aboutthe ones that would let you.
Jeff Matevish (02:08):
Oh, okay.
Drew Thomas (02:11):
So, yeah, so let's, so there are a couple of
different, I was looking atdifferent articles out there.
There's, there's articles fromNerdWallet and Financebuzz and a
bunch of other MSN and a bunchof other apps. So, I'm not going
to necessarily cite every sourceas we go through this but, but
rest assured, we've actuallylooked up some of this data, and
some of this is going to comefrom personal experience. Yeah,
(02:32):
I would, you know, I would arguetoo, because I've definitely
dabbled in some of this stuff.
Jeff Matevish (02:36):
So have I, yeah.
Drew Thomas (02:38):
So, the three categories that sort of keep
coming up that whenever I, I tryto quantify these, these, you
know, apps that make you money,right, are going to be your
reward apps, okay, that pay youfor either task work or to play
something or typing, watch anad, yeah, things like that.
Okay, the second category areyour quote, unquote, skill-based
(03:02):
games with tournaments andthings like your bingos and your
card games and things like that.
And then the third is juststraight up lottery and raffle
games and, and, you know, thefact that they could potentially
pay you to, to win. Okay, so, sowhat, what apps have you, have
you ever used any apps likethis? Yeah, I'm sure you've seen
(03:22):
them.
Yeah, yeah. And youkind of get frustrated then a
Jeff Matevish (03:25):
Yeah, yeah. I've used category A your, your apps
that require you to do specifictasks. Okay, though I'm not
going to endorse any particularone, fair enough, because I
didn't get paid very much. So,the one that I used, yeah, you
could either do surveys or testgames. And I didn't do the
surveys because I didn't want toshare a lot of information with
(03:49):
whoever created this yeah app.
So, I did some game testing the,and they would pay, you know,
you know, a couple pennies to acouple of dollars even, yeah,
but it was one of those wherethey get you up front where,
like, you know, if you'replaying a game and you hit the
first three milestones, you mayhave made $5 but to get to that
(04:10):
next milestone, it might havelittle bit too.
taken you a week to get to.
Yeah, you loseinterest. Yeah, right, right,
you know. And a lot of these,yeah, you are watching ads to
get paid, you know. And you'rewatching the same ad over and
over and over and over again,you know, yeah. And most of the
(04:31):
time, it's for another game thatis on that list of games for you
to test, you know, right? That,right, you know, it's a gamble,
you know, type game, and, yeah.
Drew Thomas (04:42):
Yeah, there's, there's definitely ones out
there. And, you know, there's,now it's gotten to the point
where some of theseadvertisements for different
games within games have gottenso misleading that it's unreal,
to the point where they're nowrunning ads that say, have you
seen the, the ad for the gamethat looks like it does this,
but it doesn't actually do that,but our game does? Oh, have you
(05:04):
seen that? So, there's, there'sone out there that it shows up a
lot. There's a, there's a,usually a little, you know,
avatar person that's runningdown a racetrack. And on the one
side to like, it says like plus12, and the other one says like,
times 5, okay. And you have totry to figure out, like, which
one is better to multiply yourguys, yeah. And, you know, like,
(05:26):
you're, you know, fighting offthings that are coming the other
direction, yeah, yeah. And somany of those games, like,
that's like a little mini gamethat appears, like, once every
100 days within the larger gamethat has nothing to do with it
whatsoever. And so they'll,they'll, they've now been
advertising these like, hey, youknow the game that you thought
you were downloading that didthis? Now it's, it's crazy how
(05:46):
this stuff.
Jeff Matevish (05:46):
I just don't understand the advertising, I
Drew Thomas (05:48):
Yeah, it's too bad we're not in marketing, we can
guess.
figure that out.
Jeff Matevish (05:51):
It's bad market.
Yeah, I guess, I guess.
Drew Thomas (06:02):
So, yeah.
Jeff Matevish (06:04):
So, what about you?
Drew Thomas (06:05):
So, so I have, I have played around, like you,
with some of the tasking sort ofstuff. So, there's, there was
one that I was, that I checkedout a while back that had you
watch, like, movie trailers,okay. And you, you know, because
I love movies, I'm a big moviebuff, and so I thought, oh, this
(06:25):
would be great. I get to seewhat's coming out and all this
stuff. But in reality, a lot ofit were movie trailers for these
movies that you would neverrealistically see. They were,
they were movie trailers formovies that appeared on the EE
list of Netflix that isbasically there so that Netflix
can say they have a certainnumber of movies on file, okay?
(06:48):
And sometimes they weredifferent variations of the same
movie. So, I think they weresort of doing A/B testing. Oh,
yeah, you know which trailer...
Jeff Matevish (06:57):
Which ad Do you prefer?
Drew Thomas (06:58):
Yeah, yeah, do you prefer this one or that one? But
like you, it became verytedious. It became very
monotonous. And in reality, youknow, when you start doing the
math, you start realizing thatI'd have to watch, you know, 500
of these things to earn $5, youknow what I mean? Because it was
(07:21):
just such a small amount ofmoney that you were technically
earning, right, per watch,right, right, that it just, it
just wasn't realistically, youknow, feasible for you to
actually make money at it, yeah,right. There are things out
there, like, like TaskRabbit andthings like that, where there
are apps, where people will putout things, where they'll say,
(07:42):
hey, I have some odd jobs that Ineed done, or I need you to run
to the store, or I need this orthat. But that's more, I don't
know that I would put that inthe same category as what we're
talking about here, in terms ofapps. Like, these are, these are
the apps that sort of make youfeel like, hey, you can just sit
on the couch and do nothing, butwhat you are already doing
playing games, but make moneyinstead. And I think it's kind
(08:02):
of what we're focused on today.
And that's, that's and like yousaid, like some of it is just
watching ads and taking surveys,taking, you know, taking surveys
is another one that, you know,you can take a survey and ask,
they'll ask a question about aproduct or service or something.
Jeff Matevish (08:17):
or not necessarily personal
information, but informationthat you wouldn't, you know,
tell people, yeah. A lot of itduring political times, it's a
lot of it is political.
Drew Thomas (08:30):
Oh yeah, 100%, right. And you know, nothing,
look nothing's free. I mean, atthe end of the day, nothing's
free. If you, you know, youthink you're making free money
playing a game somehow, someway, the person that's putting
out that game is making moremoney than you, a lot more money
than you. They're giving you atiny, tiny little cut of
(08:52):
whatever it is that they're,they're actually making on that
endeavor is, you know, is what Iwould say. So, if we talk about
some of these skill-based games,one of the ones that kept coming
up that, and I in the different,the different articles I was
looking at were like these, likebingo cash games, or like
(09:12):
solitaire games, things likethat. I've seen that one, you
know, and you know fulldisclosure, you know, from
everything that I've read, it'snot so much that they're a scam,
that you can make money doingit. It's, it's, it's, it's
definitely something that is, inthe strictest of terms,
(09:32):
legitimate. But again, if youthink you're going to quit your
job and play solitaire for aliving. It's, it's not likely
to, it's not going to happen.
Jeff Matevish (09:42):
Well, that and it's a gamble. You are paying,
usually, to play this. Sure. Andyou could lose more than you
make. Yeah. So, it is gambling.
In the simplest sense, yeah.
Drew Thomas (09:53):
I mean, for the ones that actually ask you, so
there are definitely apps outthere that will give you sort of
a, you can play the free side,or you can play the pay side
right. And on the free side, youknow, I have found in my
experience with these things,either through my own experience
or talking to friends that havetried these things out, that the
(10:14):
free side, you're really a lotbetter at that game. Yeah, I
would imagine, than you are onthe pay side and, and some of
that, you have to wonder howmuch of that is programmed into
the software, I'm sure. And...
Jeff Matevish (10:27):
Build, build your confidence until, you know, you
get to that level where youthink that, oh, I can pay the,
play the paid game.
Drew Thomas (10:33):
Yeah, yeah. But didn't you say you, you came
across a YouTuber that talkedabout that a little bit in, I
don't think it was in...
Jeff Matevish (10:40):
It wasn't an app-based thing, but, yeah, it
was, it was a game, you know, itwas a claw machine, or not a
claw machine, but it was like,they called it stacker.
Drew Thomas (10:50):
Like, an arcade, arcade game.
Jeff Matevish (10:51):
Yeah, it was, it was. So, the premise of this
game was, you had to stackdigital blocks. Okay, you had to
stack them, it was like, twoblocks, two blocks, two blocks,
the whole way up. And you had toget to a certain level. And once
you hit that level, then you wonthe, won the big prize. You
could stop at a lower level andget a smaller prize, or keep
(11:13):
going to get the bigger prize.
And this...
Drew Thomas (11:14):
Which is Price is Right, right? It's like, it's
like, you can take the $10,000now, or you can take the 1 in
100 chance that it mightactually get to $10,000.
Jeff Matevish (11:21):
But the prizes were like, extreme differences,
at Yeah.
like you could get a bag ofcandy, or you can get an iPad.
Okay, yeah, okay. So, mostpeople would, would, you know,
keep playing for that dollar,you know, a dollar investment
for an iPad? Okay, I'll keepgoing, sure. But so, this
YouTuber had this, this game inhis business, and no one was
winning. He couldn't win.
Everybody was winning the candy,but no one was winning the one
(11:43):
was winning the bigger prizes.
And for him, that was badbusiness. So, he called the
manufacturer, whoever put thisgame in his business, and the
guy's like, well, yeah, becausethat's programmed like that, you
know, it's an 80/20 so 80% ofthe time you're going to lose,
20% of the time you're going towin. It doesn't matter if you
(12:04):
get it perfectly centered, thatblock, yeah, at that level, to
win that big prize,programmatically, it will move
that block, and you will lose80% of the time. So, I mean,
yeah, you can.
Drew Thomas (12:28):
Yeah. I can tell you like we, we live in the
Commonwealth of Pennsylvania,and Pennsylvania has a lottery,
right? And they actually have a,an app where you can download
and play the Pennsylvanialottery on your phone. Yep, you
can either buy tickets to thedrawings, or you can pay little,
(12:48):
you can play the little minigames and stuff again and again,
you know, totally legitimate. Imean, it's sponsored by the
state, right or theCommonwealth, if you want to put
it, but it, but realistically,like you said, like is, is how
much of it is skill and how muchof it is luck? And you do have
(13:09):
to question that sometimes,right? You know, even the games
that appear to be skill based,you don't know what the software
is doing behind the scenes tomake sure that you know when
you're playing that, that, that,that solitaire cash game, you
know that we talked about. Youknow, how it's you know chances
(13:30):
are when it, when it shufflesthe cards and puts them in the
deck, or whatever, it alreadyknows at that point whether or
not you, you have anystatistical chance of winning or
not. Oh yeah. So, you have the,you have the feeling of having
control, when, in reality, a lotof times you may not. Oh yeah.
(13:51):
Again, not to say that you nevercan win. You know, I'm not
trying to disparage any of theseapps that are legitimate,
because they technically are,but I think that what we're
trying to convey here is that,you know, they sort of sell this
idea that you can have a sidehustle where you're going to
Jeff Matevish (14:10):
That's what the advertisement, I mean, the
advertising is really good atthat. Yeah, it makes you very
earn $500 or $1,000 a month, orsomething like that, and then
confident that you're going tobe able to quit your job and
you'll play these games.
play solitaire for eight hours aday. Yeah, it's not a reality.
Drew Thomas (14:20):
Yeah. I saw an advertisement once for one of
these games. And I honestlydon't remember which one it was,
but there was one of these gamesthat they, the advertisement was
a young woman who had, who wasobviously a young mother, and
was just stressed out and didn'tknow how she was gonna, you
know, handle all the expensesthat were coming along for, you
(14:41):
know, her young child, orchildren, and that she
discovered this game, andsuddenly she was, you know,
riding Easy Street, yeah, andboy, that is just, to me, I
don't like that kind ofadvertising. I think that kind
of advertising is just reallyplaying on people's emotions
and, and you, you know, to yourpoint, unless you are incredibly
(15:01):
skilled, if it is, let's imaginethis game is 100% skill based.
You have to be incrediblyskilled to win, yeah.
Jeff Matevish (15:06):
But at what point is that considered false
advertising too? Because thereis probably that one person that
was able to do that and now isno longer false advertising, so.
Drew Thomas (15:19):
Yeah, there's probably if I, if I went back
and found it somewhere, it'sprobably on YouTube or
something. There's probably somevery fine print somewhere that
says, not typical for theaverage player or something. And
that probably gives them thecarte blanche to do it but, I
guess that's the same way thatsome of these, you know, outfits
that advertise certain weightloss regimens, yeah, things like
(15:40):
that that, you know, they say,you know, before and after, and
at the bottom, it says, like, 1out of 500 people actually
achieve these results, right?
You know, right? But I thinkthat's, that's kind of, the
point is that, you know, these,these games, are often
advertised the same way as someof those weight loss products
and things like that. It's sortof, it's sort of snake oil that
you know it, it has the benefitof greasing the wheels. It's not
(16:05):
useless, but it's not what it'snecessarily sold to be.
Jeff Matevish (16:12):
Yeah, it draws you in until you get started
playing, and then you gethooked, or, yeah, play for a
little bit of time, realizethat, hey, this is not going to
pan out, but by that point,they've already shown you a
dozen advertisements. They, Imean, they've, they've succeeded
in what they're trying to do.
Yeah. You know, even if you quitafter a day or two, yeah, yeah.
Drew Thomas (16:32):
I will say, I will say I came across one app. And
again, like you, I'm not goingto name it, because I'm not, I'm
not being endorsed, I'm nottrying to endorse anything,
right? There's one app out therethat I came across that I still
use occasionally. It's on myphone right now. And I was
looking for a way to sort ofgamify some sort of physical
(16:53):
activity to try to, you know,lose some weight and get
healthier and all that kind ofstuff. And I find that gaming
makes that easier for me. Iwould rather play tennis than go
for a walk. I would rather play,you know, basketball than walk
on a treadmill, right? So, Ineed something to sort of take
your mind off and make it into agame and kind of forget you're
(17:14):
exercising, you kind of forgetyou're exercising. And do you
remember, do you rememberPokémon GO?
Jeff Matevish (17:23):
Oh yes!
Drew Thomas (17:23):
Okay, you lit up like a Christmas tree.
Jeff Matevish (17:24):
I love Pokémon GO, yeah, oh yeah. I was, I was
in college when that first cameout. And yeah, you'd go out to
the center of the campus, andyou'd have 100 people walking
around staring at the phoneslike this, yeah, like this, you
know.
Drew Thomas (17:34):
Yeah. But you didn't earn money at it, but it
was...
Jeff Matevish (17:37):
No, but it got you like, moving around, and,
yeah.
Drew Thomas (17:40):
Yeah, and you'd collect the little Pokémon and
whatever, right. So, this has acertain element of that in it,
in that you can find theselittle characters or charms or
something like that if you walkaround your neighborhood, and
it'll give you a little digitalmap, and it'll show you like,
okay, the next, the next one isthis far away, so that motivates
(18:00):
you to walk to the next, yeah,next thing, and you pick these
things up. And it, it will also,there's a secondary component of
it, where, just by walkingaround your average day, you
know the number of steps thatyou attain, you can, you can
earn coins, right? Okay, you canredeem those coins. Now, here's
the thing about it, though, itcosts nothing, to be perfectly
(18:22):
frank, it, the reason that Istill sort of look at it and
play with it is that it doesn'tcost anything. It's not one of
Jeff Matevish (18:27):
They didn't make their money somehow. Yeah.
these ones where you have to payto play. Yeah. There are a lot
of ads to be fair, so you'resort of...
Drew Thomas (18:38):
But the other side of it is that, like some of
these other games, it takesforever for you to achieve
something, yeah? So, you know, Ican collect 500 or 1000 of these
tokens, and, you know, at thatpoint I've earned myself a $10
gift card, right?
Jeff Matevish (18:57):
Yeah, like airplane miles, you know.
Drew Thomas (18:59):
Yeah, kind of, it kind of is, you know, and if I
look at the, the redemptionwheel every day, you know, yeah,
you get more coins for every,for every new tier you hit in
terms of steps. But I think thefirst tier to learn, like one
token, is like 2,000 steps,which is really simple. Most
people walk 2,000 steps justwalking around the house every
(19:21):
day. But to get to three tokens,you have to go all the way up to
something like 8,000 steps. Andthen to get six tokens, you have
to do 20,000 steps. So, it's nota linear thing where you're
getting, oh, for every 2,000steps, I get a token, it's,
it's, it's, it's definitely madeso that you have to really,
really excel every single day inorder to earn anything that's,
(19:44):
that's useful. And again, youknow, you're still only earning
maybe a maximum of 10 tokens aday, even if you were to walk
30,000 steps, and it takes youhundreds of these things to earn
a $5 or $10 reward. So, I think,I think, really, what we're, you
know what, what I wanted toimpress upon people with these
things, you know, is that,again, can you make money on
(20:07):
them? Yeah, technically, youcan, but it's probably not even
going to be a side hustle, andit's definitely not worth
quitting your job over, yeah,you know what I mean. I don't
have you ever known anybody thathas, that has done these things,
or, like, played with thesethings much?
Jeff Matevish (20:25):
No, I did, when I was doing some research, and the
app that I was using said that,you know, they said, as well as
the article that I was readingthat had nothing to do with
this, this app said that youcould earn $50 to $100 a month
was, like, conservative. So, Imean, you can earn some money,
(20:47):
but it also didn't say how longyou were spending playing these
games or taking these surveys ordoing, doing whatever, you know,
yeah? So, like, yeah.
Drew Thomas (20:56):
Yeah, what's your, what's your per hour?
Jeff Matevish (20:57):
Yeah, yeah. Are you doing this for eight hours a
day, and you're making $50 youknow, a month? That's not, you
know, something I want to do.
Drew Thomas (21:05):
Yeah no, there are definitely better jobs out there
that pay a better hourly rate,right? The other thing that you
have to keep in mind with thesethings, and this is true of a
lot of different, differentthings, where people sell you on
certain things, you know, thesome of these, to your point,
with some of these apps, willsay, like, oh, you can earn so
much per month, right? Right. Orthe average user, or users can
(21:29):
earn, I shouldn't say averageuser, but like, the users have
earned up to $10 a month, orsomething like that, whatever it
is. But you have to also thinkabout the fact that that's, that
calculation is being done bytaking 3 million users, right?
And if the top 10 out of that 3million earn a ridiculous
(21:52):
amount, that skews it, right?
Right. It's going to skew it forthe whole, the whole thing. So,
you can say the average userearns $10 a month, but that's
only an average if you accountfor the fact that the top 10
people earned a million dollars,and the other 2,999,990 earned
nothing, right, right?
Jeff Matevish (22:12):
Well, and you have to, you have to think about
it too, a lot of these apps andwebsites, they have a really
high minimum cash out balancetoo. So, yeah, you may not be
being paid monthly, either. You,I mean, some of these apps may
be, you know, $50 or $100 thatyou have to have a minimum on in
your, you know, on your account,your balance before you can even
(22:33):
cash that out for a gift card,or, you know, dump that into
your bank account, or whateverit is, yeah, yeah.
Drew Thomas (22:40):
And then also keep in mind too, too, I mean, again,
you know, even if it is alegitimate thing, you know, read
the fine print. Sometimes thefine print will tell you that
you can, like you said, onlycash out at a certain, at a
certain level. Some will tellyou that there are transfer
fees. So, if you want totransfer the money out of that
app and into an actual bankaccount where you could spend it
(23:02):
as money, there's a percentagethat gets withheld because of
the transfer fee, or somethingalong those lines.
Jeff Matevish (23:08):
Or you may, you may, you know, a gift card, if
you get a gift card, it may be,you know, for the, the face
value of whatever you earn, butdumping into a bank account, and
they're gonna take that, whatyou said, that fee, they're
gonna hold it, yeah, yeah, yeah.
Drew Thomas (23:20):
So, keep in mind that kind of stuff too, that
even if you do earn a certainamount the other, the other
thing to keep in mind is some ofthese apps will pay you in
tokens, like the one that I toldyou about, like I'm earning
tokens, right? I have to redeemthe tokens for cash. But make
sure that if you're using one ofthese apps that pays you in
tokens, that those tokens don'texpire.
Jeff Matevish (23:42):
Oh, that's a good one, yeah.
Drew Thomas (23:44):
Because if you don't use them in a certain
amount of time, you lose them.
Because that's another thing yougot to be aware of. You know,
they can, they can play withthose tokens a lot in terms of
making sure that you only get,they only really have to pay you
so much. There's, don't kidyourself into believing that
they don't have an algorithm andhaven't done the math on their
side to know how much they canpay out in money and still make
(24:06):
a profit.
Drew and Jeff (24:09):
Yeah, they need to win, right? Yeah, they're
gonna win, just like it, likeyou said, just like any, any
game, yeah, yeah, yeah, they'regonna win. You know, yeah, you
can go to the casino, and youcan win money, but I guarantee
the casinos winning more. Yep,the house always wins. Yeah, so
and these are, in some ways,kind of like that, in some
cases, you know, yeah.
Drew Thomas (24:29):
All right. So, again, just, you know, be aware.
You know, when you're doingthese kinds of things, I think
that's, you know, what we'retrying to do is just educate on
financial things like, you know,if you're, to your point,
investing eight hours a day toearn $50 a month, maybe earn, go
pick up a part time jobdelivering pizzas or something,
(24:51):
you're probably still going tomake out better.
Yeah, hopefully, ortips or something. We could
Jeff Matevish (24:54):
Yeah, you'll make minimum wage at least, yeah.
honestly, we could probably havea conversation about those kinds
of jobs too, things like Ubersand things like that, put it on
the list. We'll put it on thelist of things to talk about,
because a lot of those kinds ofgigs are, in fact, gigs. There's
sort of a gig economy. You're anindependent contractor, which
means you don't get paid aminimum wage, and you have to do
all of your own taxes and stuff.
So, we'll put that on the tableto talk about those kinds of
jobs too, at some point. I thinkthat that's definitely worth it,
(25:14):
yeah, definitely. So, in themeantime, go play some games,
yeah, but play them free. Play
Drew and Jeff (25:18):
We'll see you, Drew. Yep.
the free ones, you know. Yeah,all right, take care.
Jeff Matevish (25:40):
This podcast focuses on having valuable
conversations on various topicsrelated to banking and financial
health. The podcast is groundedin having open conversations
with professionals and expertswith the goal of helping to take
some of the mystery out offinancial and related topics as
learning about financialproducts and services can help
you make more informed financialdecisions. Please keep in mind
(26:01):
that the information containedwithin this podcast and any
resources available for downloadfrom our website or other
resources relating to Bank Chatsis not intended and should not
be understood or interpreted tobe financial advice. The hosts,
guests, and production staff ofBank Chats expressly recommend
that you seek advice from atrusted financial professional
before making financialdecisions. The hosts of Bank
(26:24):
Chats are not attorneys,accountants, or financial
advisors, and the program issimply intended as one source of
information. The podcast is nota substitute for a financial
professional who is aware of thefacts and circumstances of your
individual situation. Thank youfor listening. Please check out
our full library of episodes,which can be found on the
(26:45):
ameriserv.com website. You canalso download or stream the
podcast from your favoritepodcast app.
All right, so let me ask you this, what was the
first mobile app game? The firstmobile, yeah, trivia time. We're
going to start with, oh, whatwas the first mobile app game?
Jeff Matevish (00:30):
Mobile Tetris?
Drew Thomas (00:35):
That's a good guess, but no, no. Tetris was
pretty early. But no, the firstmobile app game was actually
snake.
Jeff Matevish (00:42):
Snake, oh, okay, on a Nokia or something, okay.
Drew Thomas (00:45):
Yeah, snake that would go around and he had to
chase the dot or whatever thatwas. That's widely considered to
be the first mobile app, game.
And now we're done. No, thereason that I, the reason that I
asked the question is becausetoday we're going to talk about
gaming apps. Okay. And I thoughtthat we could talk about this
(01:07):
because there are so many gamingapps on your, I mean, ever, I
shouldn't say everybody, 9 outof 10 people have a smartphone
at this, at this stage of thegame. If you're over the age of
8 or under the age of 90, youprobably have a smartphone, and
there are a lot of games outthere that people play that
claim to pay you to play theirgame.
Jeff Matevish (01:32):
Yeah, yeah, I've seen those.
Drew Thomas (01:33):
And so I thought it would be a good conversation to
have on a, on a Bank Chatspodcast, okay, to talk about
whether or not these things arelegit, whether you can really
make money, and how much moneyyou can theoretically make
potentially, and just kind oftalk through whether or not
these things are, generallyspeaking, a good idea or not.
Jeff Matevish (01:55):
Drew's gonna tell me if I'm gonna be able to quit
my job or not.
Drew Thomas (01:59):
You will not.
Foreshadowing. Spoiler alert,you're now Okay, okay, because
I'm not going to tell you aboutthe ones that would let you.
Jeff Matevish (02:08):
Oh, okay.
Drew Thomas (02:11):
So, yeah, so let's, so there are a couple of
different, I was looking atdifferent articles out there.
There's, there's articles fromNerdWallet and Financebuzz and a
bunch of other MSN and a bunchof other apps. So, I'm not going
to necessarily cite every sourceas we go through this but, but
rest assured, we've actuallylooked up some of this data, and
some of this is going to comefrom personal experience. Yeah,
(02:32):
I would, you know, I would arguetoo, because I've definitely
dabbled in some of this stuff.
Jeff Matevish (02:36):
So have I, yeah.
Drew Thomas (02:38):
So, the three categories that sort of keep
coming up that whenever I, I tryto quantify these, these, you
know, apps that make you money,right, are going to be your
reward apps, okay, that pay youfor either task work or to play
something or typing, watch anad, yeah, things like that.
Okay, the second category areyour quote, unquote, skill-based
(03:02):
games with tournaments andthings like your bingos and your
card games and things like that.
And then the third is juststraight up lottery and raffle
games and, and, you know, thefact that they could potentially
pay you to, to win. Okay, so, sowhat, what apps have you, have
you ever used any apps likethis? Yeah, I'm sure you've seen
(03:22):
them.
Yeah, yeah. And youkind of get frustrated then a
Jeff Matevish (03:25):
Yeah, yeah. I've used category A your, your apps
that require you to do specifictasks. Okay, though I'm not
going to endorse any particularone, fair enough, because I
didn't get paid very much. So,the one that I used, yeah, you
could either do surveys or testgames. And I didn't do the
surveys because I didn't want toshare a lot of information with
(03:49):
whoever created this yeah app.
So, I did some game testing the,and they would pay, you know,
you know, a couple pennies to acouple of dollars even, yeah,
but it was one of those wherethey get you up front where,
like, you know, if you'replaying a game and you hit the
first three milestones, you mayhave made $5 but to get to that
(04:10):
next milestone, it might havelittle bit too.
taken you a week to get to.
Yeah, you loseinterest. Yeah, right, right,
you know. And a lot of these,yeah, you are watching ads to
get paid, you know. And you'rewatching the same ad over and
over and over and over again,you know, yeah. And most of the
(04:31):
time, it's for another game thatis on that list of games for you
to test, you know, right? That,right, you know, it's a gamble,
you know, type game, and, yeah.
Drew Thomas (04:42):
Yeah, there's, there's definitely ones out
there. And, you know, there's,now it's gotten to the point
where some of theseadvertisements for different
games within games have gottenso misleading that it's unreal,
to the point where they're nowrunning ads that say, have you
seen the, the ad for the gamethat looks like it does this,
but it doesn't actually do that,but our game does? Oh, have you
(05:04):
seen that? So, there's, there'sone out there that it shows up a
lot. There's a, there's a,usually a little, you know,
avatar person that's runningdown a racetrack. And on the one
side to like, it says like plus12, and the other one says like,
times 5, okay. And you have totry to figure out, like, which
one is better to multiply yourguys, yeah. And, you know, like,
(05:26):
you're, you know, fighting offthings that are coming the other
direction, yeah, yeah. And somany of those games, like,
that's like a little mini gamethat appears, like, once every
100 days within the larger gamethat has nothing to do with it
whatsoever. And so they'll,they'll, they've now been
advertising these like, hey, youknow the game that you thought
you were downloading that didthis? Now it's, it's crazy how
(05:46):
this stuff.
Jeff Matevish (05:46):
I just don't understand the advertising, I
Drew Thomas (05:48):
Yeah, it's too bad we're not in marketing, we can
guess.
figure that out.
Jeff Matevish (05:51):
It's bad market.
Yeah, I guess, I guess.
Drew Thomas (06:02):
So, yeah.
Jeff Matevish (06:04):
So, what about you?
Drew Thomas (06:05):
So, so I have, I have played around, like you,
with some of the tasking sort ofstuff. So, there's, there was
one that I was, that I checkedout a while back that had you
watch, like, movie trailers,okay. And you, you know, because
I love movies, I'm a big moviebuff, and so I thought, oh, this
(06:25):
would be great. I get to seewhat's coming out and all this
stuff. But in reality, a lot ofit were movie trailers for these
movies that you would neverrealistically see. They were,
they were movie trailers formovies that appeared on the EE
list of Netflix that isbasically there so that Netflix
can say they have a certainnumber of movies on file, okay?
(06:48):
And sometimes they weredifferent variations of the same
movie. So, I think they weresort of doing A/B testing. Oh,
yeah, you know which trailer...
Jeff Matevish (06:57):
Which ad Do you prefer?
Drew Thomas (06:58):
Yeah, yeah, do you prefer this one or that one? But
like you, it became verytedious. It became very
monotonous. And in reality, youknow, when you start doing the
math, you start realizing thatI'd have to watch, you know, 500
of these things to earn $5, youknow what I mean? Because it was
(07:21):
just such a small amount ofmoney that you were technically
earning, right, per watch,right, right, that it just, it
just wasn't realistically, youknow, feasible for you to
actually make money at it, yeah,right. There are things out
there, like, like TaskRabbit andthings like that, where there
are apps, where people will putout things, where they'll say,
(07:42):
hey, I have some odd jobs that Ineed done, or I need you to run
to the store, or I need this orthat. But that's more, I don't
know that I would put that inthe same category as what we're
talking about here, in terms ofapps. Like, these are, these are
the apps that sort of make youfeel like, hey, you can just sit
on the couch and do nothing, butwhat you are already doing
playing games, but make moneyinstead. And I think it's kind
(08:02):
of what we're focused on today.
And that's, that's and like yousaid, like some of it is just
watching ads and taking surveys,taking, you know, taking surveys
is another one that, you know,you can take a survey and ask,
they'll ask a question about aproduct or service or something.
Jeff Matevish (08:17):
or not necessarily personal
information, but informationthat you wouldn't, you know,
tell people, yeah. A lot of itduring political times, it's a
lot of it is political.
Drew Thomas (08:30):
Oh yeah, 100%, right. And you know, nothing,
look nothing's free. I mean, atthe end of the day, nothing's
free. If you, you know, youthink you're making free money
playing a game somehow, someway, the person that's putting
out that game is making moremoney than you, a lot more money
than you. They're giving you atiny, tiny little cut of
(08:52):
whatever it is that they're,they're actually making on that
endeavor is, you know, is what Iwould say. So, if we talk about
some of these skill-based games,one of the ones that kept coming
up that, and I in the different,the different articles I was
looking at were like these, likebingo cash games, or like
(09:12):
solitaire games, things likethat. I've seen that one, you
know, and you know fulldisclosure, you know, from
everything that I've read, it'snot so much that they're a scam,
that you can make money doingit. It's, it's, it's, it's
definitely something that is, inthe strictest of terms,
(09:32):
legitimate. But again, if youthink you're going to quit your
job and play solitaire for aliving. It's, it's not likely
to, it's not going to happen.
Jeff Matevish (09:42):
Well, that and it's a gamble. You are paying,
usually, to play this. Sure. Andyou could lose more than you
make. Yeah. So, it is gambling.
In the simplest sense, yeah.
Drew Thomas (09:53):
I mean, for the ones that actually ask you, so
there are definitely apps outthere that will give you sort of
a, you can play the free side,or you can play the pay side
right. And on the free side, youknow, I have found in my
experience with these things,either through my own experience
or talking to friends that havetried these things out, that the
(10:14):
free side, you're really a lotbetter at that game. Yeah, I
would imagine, than you are onthe pay side and, and some of
that, you have to wonder howmuch of that is programmed into
the software, I'm sure. And...
Jeff Matevish (10:27):
Build, build your confidence until, you know, you
get to that level where youthink that, oh, I can pay the,
play the paid game.
Drew Thomas (10:33):
Yeah, yeah. But didn't you say you, you came
across a YouTuber that talkedabout that a little bit in, I
don't think it was in...
Jeff Matevish (10:40):
It wasn't an app-based thing, but, yeah, it
was, it was a game, you know, itwas a claw machine, or not a
claw machine, but it was like,they called it stacker.
Drew Thomas (10:50):
Like, an arcade, arcade game.
Jeff Matevish (10:51):
Yeah, it was, it was. So, the premise of this
game was, you had to stackdigital blocks. Okay, you had to
stack them, it was like, twoblocks, two blocks, two blocks,
the whole way up. And you had toget to a certain level. And once
you hit that level, then you wonthe, won the big prize. You
could stop at a lower level andget a smaller prize, or keep
(11:13):
going to get the bigger prize.
And this...
Drew Thomas (11:14):
Which is Price is Right, right? It's like, it's
like, you can take the $10,000now, or you can take the 1 in
100 chance that it mightactually get to $10,000.
Jeff Matevish (11:21):
But the prizes were like, extreme differences,
at Yeah.
like you could get a bag ofcandy, or you can get an iPad.
Okay, yeah, okay. So, mostpeople would, would, you know,
keep playing for that dollar,you know, a dollar investment
for an iPad? Okay, I'll keepgoing, sure. But so, this
YouTuber had this, this game inhis business, and no one was
winning. He couldn't win.
Everybody was winning the candy,but no one was winning the one
(11:43):
was winning the bigger prizes.
And for him, that was badbusiness. So, he called the
manufacturer, whoever put thisgame in his business, and the
guy's like, well, yeah, becausethat's programmed like that, you
know, it's an 80/20 so 80% ofthe time you're going to lose,
20% of the time you're going towin. It doesn't matter if you
(12:04):
get it perfectly centered, thatblock, yeah, at that level, to
win that big prize,programmatically, it will move
that block, and you will lose80% of the time. So, I mean,
yeah, you can.
Drew Thomas (12:28):
Yeah. I can tell you like we, we live in the
Commonwealth of Pennsylvania,and Pennsylvania has a lottery,
right? And they actually have a,an app where you can download
and play the Pennsylvanialottery on your phone. Yep, you
can either buy tickets to thedrawings, or you can pay little,
(12:48):
you can play the little minigames and stuff again and again,
you know, totally legitimate. Imean, it's sponsored by the
state, right or theCommonwealth, if you want to put
it, but it, but realistically,like you said, like is, is how
much of it is skill and how muchof it is luck? And you do have
(13:09):
to question that sometimes,right? You know, even the games
that appear to be skill based,you don't know what the software
is doing behind the scenes tomake sure that you know when
you're playing that, that, that,that solitaire cash game, you
know that we talked about. Youknow, how it's you know chances
(13:30):
are when it, when it shufflesthe cards and puts them in the
deck, or whatever, it alreadyknows at that point whether or
not you, you have anystatistical chance of winning or
not. Oh yeah. So, you have the,you have the feeling of having
control, when, in reality, a lotof times you may not. Oh yeah.
(13:51):
Again, not to say that you nevercan win. You know, I'm not
trying to disparage any of theseapps that are legitimate,
because they technically are,but I think that what we're
trying to convey here is that,you know, they sort of sell this
idea that you can have a sidehustle where you're going to
Jeff Matevish (14:10):
That's what the advertisement, I mean, the
advertising is really good atthat. Yeah, it makes you very
earn $500 or $1,000 a month, orsomething like that, and then
confident that you're going tobe able to quit your job and
you'll play these games.
play solitaire for eight hours aday. Yeah, it's not a reality.
Drew Thomas (14:20):
Yeah. I saw an advertisement once for one of
these games. And I honestlydon't remember which one it was,
but there was one of these gamesthat they, the advertisement was
a young woman who had, who wasobviously a young mother, and
was just stressed out and didn'tknow how she was gonna, you
know, handle all the expensesthat were coming along for, you
(14:41):
know, her young child, orchildren, and that she
discovered this game, andsuddenly she was, you know,
riding Easy Street, yeah, andboy, that is just, to me, I
don't like that kind ofadvertising. I think that kind
of advertising is just reallyplaying on people's emotions
and, and you, you know, to yourpoint, unless you are incredibly
(15:01):
skilled, if it is, let's imaginethis game is 100% skill based.
You have to be incrediblyskilled to win, yeah.
Jeff Matevish (15:06):
But at what point is that considered false
advertising too? Because thereis probably that one person that
was able to do that and now isno longer false advertising, so.
Drew Thomas (15:19):
Yeah, there's probably if I, if I went back
and found it somewhere, it'sprobably on YouTube or
something. There's probably somevery fine print somewhere that
says, not typical for theaverage player or something. And
that probably gives them thecarte blanche to do it but, I
guess that's the same way thatsome of these, you know, outfits
that advertise certain weightloss regimens, yeah, things like
(15:40):
that that, you know, they say,you know, before and after, and
at the bottom, it says, like, 1out of 500 people actually
achieve these results, right?
You know, right? But I thinkthat's, that's kind of, the
point is that, you know, these,these games, are often
advertised the same way as someof those weight loss products
and things like that. It's sortof, it's sort of snake oil that
you know it, it has the benefitof greasing the wheels. It's not
(16:05):
useless, but it's not what it'snecessarily sold to be.
Jeff Matevish (16:12):
Yeah, it draws you in until you get started
playing, and then you gethooked, or, yeah, play for a
little bit of time, realizethat, hey, this is not going to
pan out, but by that point,they've already shown you a
dozen advertisements. They, Imean, they've, they've succeeded
in what they're trying to do.
Yeah. You know, even if you quitafter a day or two, yeah, yeah.
Drew Thomas (16:32):
I will say, I will say I came across one app. And
again, like you, I'm not goingto name it, because I'm not, I'm
not being endorsed, I'm nottrying to endorse anything,
right? There's one app out therethat I came across that I still
use occasionally. It's on myphone right now. And I was
looking for a way to sort ofgamify some sort of physical
(16:53):
activity to try to, you know,lose some weight and get
healthier and all that kind ofstuff. And I find that gaming
makes that easier for me. Iwould rather play tennis than go
for a walk. I would rather play,you know, basketball than walk
on a treadmill, right? So, Ineed something to sort of take
your mind off and make it into agame and kind of forget you're
(17:14):
exercising, you kind of forgetyou're exercising. And do you
remember, do you rememberPokémon GO?
Jeff Matevish (17:23):
Oh yes!
Drew Thomas (17:23):
Okay, you lit up like a Christmas tree.
Jeff Matevish (17:24):
I love Pokémon GO, yeah, oh yeah. I was, I was
in college when that first cameout. And yeah, you'd go out to
the center of the campus, andyou'd have 100 people walking
around staring at the phoneslike this, yeah, like this, you
know.
Drew Thomas (17:34):
Yeah. But you didn't earn money at it, but it
was...
Jeff Matevish (17:37):
No, but it got you like, moving around, and,
yeah.
Drew Thomas (17:40):
Yeah, and you'd collect the little Pokémon and
whatever, right. So, this has acertain element of that in it,
in that you can find theselittle characters or charms or
something like that if you walkaround your neighborhood, and
it'll give you a little digitalmap, and it'll show you like,
okay, the next, the next one isthis far away, so that motivates
(18:00):
you to walk to the next, yeah,next thing, and you pick these
things up. And it, it will also,there's a secondary component of
it, where, just by walkingaround your average day, you
know the number of steps thatyou attain, you can, you can
earn coins, right? Okay, you canredeem those coins. Now, here's
the thing about it, though, itcosts nothing, to be perfectly
(18:22):
frank, it, the reason that Istill sort of look at it and
play with it is that it doesn'tcost anything. It's not one of
Jeff Matevish (18:27):
They didn't make their money somehow. Yeah.
these ones where you have to payto play. Yeah. There are a lot
of ads to be fair, so you'resort of...
Drew Thomas (18:38):
But the other side of it is that, like some of
these other games, it takesforever for you to achieve
something, yeah? So, you know, Ican collect 500 or 1000 of these
tokens, and, you know, at thatpoint I've earned myself a $10
gift card, right?
Jeff Matevish (18:57):
Yeah, like airplane miles, you know.
Drew Thomas (18:59):
Yeah, kind of, it kind of is, you know, and if I
look at the, the redemptionwheel every day, you know, yeah,
you get more coins for every,for every new tier you hit in
terms of steps. But I think thefirst tier to learn, like one
token, is like 2,000 steps,which is really simple. Most
people walk 2,000 steps justwalking around the house every
(19:21):
day. But to get to three tokens,you have to go all the way up to
something like 8,000 steps. Andthen to get six tokens, you have
to do 20,000 steps. So, it's nota linear thing where you're
getting, oh, for every 2,000steps, I get a token, it's,
it's, it's, it's definitely madeso that you have to really,
really excel every single day inorder to earn anything that's,
(19:44):
that's useful. And again, youknow, you're still only earning
maybe a maximum of 10 tokens aday, even if you were to walk
30,000 steps, and it takes youhundreds of these things to earn
a $5 or $10 reward. So, I think,I think, really, what we're, you
know what, what I wanted toimpress upon people with these
things, you know, is that,again, can you make money on
(20:07):
them? Yeah, technically, youcan, but it's probably not even
going to be a side hustle, andit's definitely not worth
quitting your job over, yeah,you know what I mean. I don't
have you ever known anybody thathas, that has done these things,
or, like, played with thesethings much?
Jeff Matevish (20:25):
No, I did, when I was doing some research, and the
app that I was using said that,you know, they said, as well as
the article that I was readingthat had nothing to do with
this, this app said that youcould earn $50 to $100 a month
was, like, conservative. So, Imean, you can earn some money,
(20:47):
but it also didn't say how longyou were spending playing these
games or taking these surveys ordoing, doing whatever, you know,
yeah? So, like, yeah.
Drew Thomas (20:56):
Yeah, what's your, what's your per hour?
Jeff Matevish (20:57):
Yeah, yeah. Are you doing this for eight hours a
day, and you're making $50 youknow, a month? That's not, you
know, something I want to do.
Drew Thomas (21:05):
Yeah no, there are definitely better jobs out there
that pay a better hourly rate,right? The other thing that you
have to keep in mind with thesethings, and this is true of a
lot of different, differentthings, where people sell you on
certain things, you know, thesome of these, to your point,
with some of these apps, willsay, like, oh, you can earn so
much per month, right? Right. Orthe average user, or users can
(21:29):
earn, I shouldn't say averageuser, but like, the users have
earned up to $10 a month, orsomething like that, whatever it
is. But you have to also thinkabout the fact that that's, that
calculation is being done bytaking 3 million users, right?
And if the top 10 out of that 3million earn a ridiculous
(21:52):
amount, that skews it, right?
Right. It's going to skew it forthe whole, the whole thing. So,
you can say the average userearns $10 a month, but that's
only an average if you accountfor the fact that the top 10
people earned a million dollars,and the other 2,999,990 earned
nothing, right, right?
Jeff Matevish (22:12):
Well, and you have to, you have to think about
it too, a lot of these apps andwebsites, they have a really
high minimum cash out balancetoo. So, yeah, you may not be
being paid monthly, either. You,I mean, some of these apps may
be, you know, $50 or $100 thatyou have to have a minimum on in
your, you know, on your account,your balance before you can even
(22:33):
cash that out for a gift card,or, you know, dump that into
your bank account, or whateverit is, yeah, yeah.
Drew Thomas (22:40):
And then also keep in mind too, too, I mean, again,
you know, even if it is alegitimate thing, you know, read
the fine print. Sometimes thefine print will tell you that
you can, like you said, onlycash out at a certain, at a
certain level. Some will tellyou that there are transfer
fees. So, if you want totransfer the money out of that
app and into an actual bankaccount where you could spend it
(23:02):
as money, there's a percentagethat gets withheld because of
the transfer fee, or somethingalong those lines.
Jeff Matevish (23:08):
Or you may, you may, you know, a gift card, if
you get a gift card, it may be,you know, for the, the face
value of whatever you earn, butdumping into a bank account, and
they're gonna take that, whatyou said, that fee, they're
gonna hold it, yeah, yeah, yeah.
Drew Thomas (23:20):
So, keep in mind that kind of stuff too, that
even if you do earn a certainamount the other, the other
thing to keep in mind is some ofthese apps will pay you in
tokens, like the one that I toldyou about, like I'm earning
tokens, right? I have to redeemthe tokens for cash. But make
sure that if you're using one ofthese apps that pays you in
tokens, that those tokens don'texpire.
Jeff Matevish (23:42):
Oh, that's a good one, yeah.
Drew Thomas (23:44):
Because if you don't use them in a certain
amount of time, you lose them.
Because that's another thing yougot to be aware of. You know,
they can, they can play withthose tokens a lot in terms of
making sure that you only get,they only really have to pay you
so much. There's, don't kidyourself into believing that
they don't have an algorithm andhaven't done the math on their
side to know how much they canpay out in money and still make
(24:06):
a profit.
Drew and Jeff (24:09):
Yeah, they need to win, right? Yeah, they're
gonna win, just like it, likeyou said, just like any, any
game, yeah, yeah, yeah, they'regonna win. You know, yeah, you
can go to the casino, and youcan win money, but I guarantee
the casinos winning more. Yep,the house always wins. Yeah, so
and these are, in some ways,kind of like that, in some
cases, you know, yeah.
Drew Thomas (24:29):
All right. So, again, just, you know, be aware.
You know, when you're doingthese kinds of things, I think
that's, you know, what we'retrying to do is just educate on
financial things like, you know,if you're, to your point,
investing eight hours a day toearn $50 a month, maybe earn, go
pick up a part time jobdelivering pizzas or something,
(24:51):
you're probably still going tomake out better.
Yeah, hopefully, ortips or something. We could
Jeff Matevish (24:54):
Yeah, you'll make minimum wage at least, yeah.
honestly, we could probably havea conversation about those kinds
of jobs too, things like Ubersand things like that, put it on
the list. We'll put it on thelist of things to talk about,
because a lot of those kinds ofgigs are, in fact, gigs. There's
sort of a gig economy. You're anindependent contractor, which
means you don't get paid aminimum wage, and you have to do
all of your own taxes and stuff.
So, we'll put that on the tableto talk about those kinds of
jobs too, at some point. I thinkthat that's definitely worth it,
(25:14):
yeah, definitely. So, in themeantime, go play some games,
yeah, but play them free. Play
Drew and Jeff (25:18):
We'll see you, Drew. Yep.
the free ones, you know. Yeah,all right, take care.
Jeff Matevish (25:40):
This podcast focuses on having valuable
conversations on various topicsrelated to banking and financial
health. The podcast is groundedin having open conversations
with professionals and expertswith the goal of helping to take
some of the mystery out offinancial and related topics as
learning about financialproducts and services can help
you make more informed financialdecisions. Please keep in mind
(26:01):
that the information containedwithin this podcast and any
resources available for downloadfrom our website or other
resources relating to Bank Chatsis not intended and should not
be understood or interpreted tobe financial advice. The hosts,
guests, and production staff ofBank Chats expressly recommend
that you seek advice from atrusted financial professional
before making financialdecisions. The hosts of Bank
(26:24):
Chats are not attorneys,accountants, or financial
advisors, and the program issimply intended as one source of
information. The podcast is nota substitute for a financial
professional who is aware of thefacts and circumstances of your
individual situation. Thank youfor listening. Please check out
our full library of episodes,which can be found on the
(26:45):
ameriserv.com website. You canalso download or stream the
podcast from your favoritepodcast app.
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Ruthie's Table 4
For more than 30 years The River Cafe in London, has been the home-from-home of artists, architects, designers, actors, collectors, writers, activists, and politicians. Michael Caine, Glenn Close, JJ Abrams, Steve McQueen, Victoria and David Beckham, and Lily Allen, are just some of the people who love to call The River Cafe home. On River Cafe Table 4, Rogers sits down with her customers—who have become friends—to talk about food memories. Table 4 explores how food impacts every aspect of our lives. “Foods is politics, food is cultural, food is how you express love, food is about your heritage, it defines who you and who you want to be,” says Rogers. Each week, Rogers invites her guest to reminisce about family suppers and first dates, what they cook, how they eat when performing, the restaurants they choose, and what food they seek when they need comfort. And to punctuate each episode of Table 4, guests such as Ralph Fiennes, Emily Blunt, and Alfonso Cuarón, read their favourite recipe from one of the best-selling River Cafe cookbooks. Table 4 itself, is situated near The River Cafe’s open kitchen, close to the bright pink wood-fired oven and next to the glossy yellow pass, where Ruthie oversees the restaurant. You are invited to take a seat at this intimate table and join the conversation. For more information, recipes, and ingredients, go to https://shoptherivercafe.co.uk/ Web: https://rivercafe.co.uk/ Instagram: www.instagram.com/therivercafelondon/ Facebook: https://en-gb.facebook.com/therivercafelondon/ For more podcasts from iHeartRadio, visit the iheartradio app, apple podcasts, or wherever you listen to your favorite shows. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
The Joe Rogan Experience
The official podcast of comedian Joe Rogan.