For online money making there is a lot of competition worldwide, so it is very difficult to make money. In contrast real estate agents and related service providers find it relatively easier to make money as there is less competition locally . Without any kind of investment, unless hired for a job, there are very few opportunities for online money making which pay more than $3 an hour. In contrast, offline, for relative unskilled tasks, like cleaning a house, many uneducated people demand and get more money. So it is advisable to invest money in purchasing a home, as the reverse mortgage can help an elderly person to pay the regular expenses. Home maintenance related services will always be in demand.