Most trials are divided into Phase I, II or III studies. Phase I studies assess the safety of a treatment, while Phase II and III studies investigate the efficacy of a treatment. Because most drugs in Phase I trials haven’t been tested on humans yet, be sure to only sign up for Phase II and III trials if you’re concerned about suffering any adverse effects.

Do you knit? Make jewelry? Sew? If so, there are lots of opportunities to sell handmade wares online. As a member of Etsy (), you’ll have your own online store to showcase your items. It’s free to become an Etsy seller, but you’ll pay a fee of 20¢ to list an item with up to five photos for four months. When the item sells, you pay a 3.5 percent commission to Etsy. There’s no limit to how much you can charge, and what you earn is based on how your crafts sell.
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