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☆ How to start a lucrative side hustle, from 4 people who've done it: ‘You can be more successful than you think’
▼ + stars: | 2024-04-30 | by ( Megan Sauer | ) www.cnbc.com time to read: +5 min

"I think you can be successful with more side hustles than you think," Cody Berman, who co-runs online printables course Gold City Ventures, told CNBC Make It in January. In seventh grade, she started selling leggings for teen girls who couldn't afford larger, trendy brands. Bella Lin, 17, started a side hustle to give her guinea pigs more quality of life. Your ability to stay up-to-date on industry trends and audience demographics can affect your earnings over time, Etsy seller Tim Riegel told Make It last year. Riegel started his side hustle — making and selling steel fire pits — in 2021.

Persons: Cody Berman, Bella Lin —, Bella Lin, Lin, you've, Tim Riegel, Riegel, Becky Powell, Powell, Becky Powell's, —, Morgan Eckroth Organizations: Gold City Ventures, CNBC, Onyx Labs, YouTube, Barista Locations: Gold, Beaverton , Oregon, Portland , Oregon, U.S

☆ I never wanted to have kids in the US. Now, I'm happily raising a toddler in Germany.
▼ + stars: | 2024-04-26 | by ( Susannah Edelbaum | ) www.businessinsider.com time to read: +7 min

She ended up getting married and having a baby in Germany but has struggled with a lot of bureaucracy. Germany offers excellent maternity care, including postpartum home visits by a midwife, and down the road, various degrees of subsidized day care — the exact setup varies state by state. But in Berlin both midwives and day care centers are in short supply, according to local news channel RBB24. The author says that Berlin is filled with playgrounds and her toddler always wants to stop and play. Susannah EdelbaumI'm thrilled to be raising a toddler in BerlinDespite the late start, I found a midwife.

Persons: Susannah Edelbaum, —, somethings, That's, I'd, Susannah Edelbaum I'm, who'd Organizations: Service, Kita, Bertelsmann Stiftung Locations: New York, Berlin, Germany, Denmark, hitched, Copenhagen, Ærø, Las Vegas, Kita

☆ Special Education, Inc.
▼ + stars: | 2024-04-21 | by ( Meghan Morris | ) www.businessinsider.com time to read: +34 min

AdvertisementNate Smallwood for BITo some, private equity's business model appears antithetical to special education. (The average public school district in Pennsylvania, where New Story operates the most schools, spends about $23,000 per child across all types of public education. "Private equity has no place in education — especially special education," Sen. Sherrod Brown of Ohio told BI. For instance, two Pennsylvania education directors left in spring 2023, according to records obtained by BI — one after just months in the role. AdvertisementNickie Coomer, a Colorado College education professor who has written about the privatization of special education, told BI that this data gap is a major regulatory hole, one that private-equity companies are happy to exploit.

Persons: Emily, Sarah, Nate Smallwood, Sarah didn't, —, Mergermarket, Shanon Taylor, Taylor, Sen, Sherrod Brown, Bob Casey of Pennsylvania, Casey, Paul Volosov, Volosov, Jim Grinnen, Rachel Wisniewski, Christina Spielbauer, Spielbauer, Nathaniel Garnick, Garnick, sully, Craig Richards, He's, Richards, they're, " Richards, Judith McKinney, Grinnen, Donnell McLean, McLean, Natalie Stoup, Blackstone, haven't, Biden, of Education spokespeople, Nickie, …, that's, didn't, Hill, Amy Hall Kostoff, Kostoff, Green, she'd Organizations: Business, State College ,, New, BI, Audax Group, Kentucky, Pennsylvania State Employees, Schools, Audax, Rock Academy, University of Nevada, Ohio, Pennsylvania Department of Education, Rock, Reading School District, River Rock Academy, Virginia's Department of Education, Green Tree, Pay, Tree, Autism, Forbes, NBC News, Federal Trade Commission, of Education, Colorado College, Tree School, Pennsylvania's Department of Education, Pennsylvania, In State College Locations: State College , Pennsylvania, Boston, Pennsylvania, Reno, —, Ohio, New Story's, Rock, Virginia, , Ohio, New Jersey , Pennsylvania, New Story's New Cumberland , Pennsylvania, CARD's Virginia, Philadelphia, Rochelle Park , New Jersey

☆ I teach journaling workshops to help people process tough emotions and communicate better. Try these prompts to get started.
▼ + stars: | 2024-02-22 | by ( Sonya Matejko | ) www.businessinsider.com time to read: +5 min

If you're having trouble getting started, try this prompt: What is every emotion you've felt since you woke up today? To get yourself thinking, try this prompt: Write a letter to yourself one year ago today. Try this prompt: Pick an emotion and write a letter to them as if they were a real person. To get started, try this prompt: Think of someone you want to reconnect with. But my favorite is this prompt: Write yourself an encouraging note in your email and then schedule it for weeks away to get a pleasant surprise in your inbox.

Persons: I'd, who'd, you've, Amber Rae, It's Organizations: Service, Research, Journal Locations: New York City

☆ I quit my corporate job after one year to return to teaching. I feel like I've chosen something I enjoy over long-term financial success.
▼ + stars: | 2024-02-14 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +7 min

I grew up in Dallas-Fort Worth and started my first teaching job in Brooklyn when I was 24. AdvertisementI resigned from teaching and took a corporate job as a learning and development consultant. I found a fully remote corporate job at a learning and development consultancy firm that helps other companies with learning initiatives like training. I realized I much preferred teaching students over training adultsI started my new job in August 2022. I've chosen something I enjoy over long-term financial successWhen I decided to accept the teaching job, finances were probably my biggest concern, but I feel that with what I'm making now as a teacher, I'm able to live just fine.

Persons: —, Rachel Volk, I've, Volk, I'd, I'm, you'll Organizations: Service, Business, Fort Worth, Fort, New Locations: Dallas, Brooklyn, Texas, Fort Worth, New York, New York City, New York City and Texas

☆ Homework doesn't align with our family values. Here's how I explain that to teachers and my kids.
▼ + stars: | 2023-12-04 | by ( Kelly Burch | ) www.businessinsider.com time to read: +4 min

I typically tell teachers that our family won't be completing homework. This is why I've decided that in our family, homework is strictly optional and sometimes downright discouraged. AdvertisementMy daughter is supposed to do about 40 minutes of homework each nightIt's important to acknowledge that my district doesn't give much homework in elementary school. My fourth grader is expected to do 20 minutes of reading and 10 minutes each for math facts and penmanship. Reading, math, and penmanship are important, but practicing them happens organically throughout our day — when we talk about money skills together or pen a letter to their grandparents.

Persons: —, I've, Rather, We'll, we're, she's Organizations: Service

See Personal Finance Insider's roundup of the best tax software >>How does New York tax income? Nonresidents and part-year residents may have a New York income tax liability depending on their living situation and how much they earn. New York income tax ratesIf your New York adjusted gross income was less than $107,650, the tables below would be used to calculate your state tax liability for 2022. New York state tax rates FAQsWhat is the New York state income tax rate for 2023? What are the New York state tax brackets for 2023?

Persons: —, Zaher Dehni, Eric Bronnenkant, Dehni Organizations: Service, Finance, state's Department of Taxation, New, Department of Taxation, Tax Foundation, New York, Excelsior Jobs, Tax Locations: New York, California, New, York, , New York, New York City, Yonkers, Nonresidents, Chevron

☆ 41-year-old's side hustle brings in $125,500 a year, and costs $0 to start: 'The riches are found in niches'
▼ + stars: | 2023-11-28 | by ( Megan Sauer | ) www.cnbc.com time to read: +5 min

She posts her worksheet booklets — designed to help teach literacy to young students — to her online store on Teachers Pay Teachers, an Etsy-style marketplace. Jerome and Becky Powell run their Teachers Pay Teachers stores separately — but the money all goes to the same place, they say. You don't have to spend any money to get started, Powell notes: Teachers Pay Teachers has both free and paid tiers for sellers. Powell pays that subscription fee, as does her husband Jerome — a full-time computer engineer who manages another Teachers Pay Teachers store, called Editable Activities. I have helped eight friends and coworkers open their own stores on Teachers Pay Teachers.

Persons: —, Becky Powell, they've, Jerome, Powell, Jerome —, You've, I've, It's, it's, Warren Buffett Organizations: CNBC, Pay Teachers, Teachers, Pay Locations: Beaverton , Oregon, AskMakeIt@cnbc.com

☆ 41-year-old teacher’s ‘kitchen table’ side hustle brings in $10,400 a month: When I don’t work, ‘the sales still come in’
▼ + stars: | 2023-11-22 | by ( Megan Sauer | ) www.cnbc.com time to read: +2 min

A friend suggested she use her son's naptime to make some extra cash, and pointed her toward an educational resource platform called Teachers Pay Teachers. There, Powell started making worksheets for her fellow teachers to buy and download, working largely from her couch or "kitchen table," she says. Teachers Pay Teachers is an Etsy-style marketplace for educational worksheets, activities and lesson plans across just about every grade level and subject matter. Powell's store, called Sight Word Activities, specializes in teaching literacy to kindergarteners, first-graders and other young students. Last year, Powell's Teachers Pay Teachers store brought in $125,500, or just over $10,400 per month, according to documents reviewed by CNBC Make It.

Persons: Becky Powell, naptime, Powell, worksheets, ’, Jerome Organizations: Powell's, CNBC Locations: Beaverton , Oregon

Black students are far less likely to have access to high school personal finance classes. But high schools with a majority of Black students are less likely to have a guaranteed personal finance course in their high schools. The student debt gapBlack borrowers are disproportionately burdened by student loan debt. Student debt can be daunting, but there are scholarships out there for Black students. 4. Credit discriminationRedlining is a well-known form of credit discrimination , but the issue goes beyond mortgages.

Persons: —, Tiffany Aliche, Pell, Biden, There's, Homeownership, doesn't, Aliche Organizations: Service, Finance, The Institute, College, NPR, National Bureau of Economic Research, Housing, Federal Reserve, Civil, Equal, The Association of African American Financial Locations: Brookings, Zillow

☆ A teacher who spent over $4,000 of her own money to outfit her classroom explains why funding from schools for supplies just isn't enough
▼ + stars: | 2023-10-19 | by ( Madison Hoff | ) www.businessinsider.com time to read: +5 min

Nicole, a third-grade teacher, believes teachers need more money from schools for supplies and materials. Based on documentation shared with Insider, Nicole had spent a minimum of $4,000 of her own money on classroom materials and supplies since 2019. "Teachers said the median classroom school supply budget during the 2022-2023 school year was $200," a post about the results on AdoptAClassroom.org said. Nicole said that if teachers only spent the money given to them, "it would make our lives very difficult." AdvertisementAdvertisement"I think based on the amount of money teachers spend each year on supplies, resources, etc., school districts should provide teachers with more money," Nicole told Insider.

Persons: Nicole, —, AdoptAClassroom.org, Sylvia Allegretto, Allegretto, That's Organizations: Service, school's, Center for Economic, Policy Research, Economic Policy Institute Locations: New York

☆ Americans say this is the most valuable money lesson they've ever learned—but many aren't putting it into practice
▼ + stars: | 2023-08-24 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +2 min

But 53% of Americans say learning how to budget and track expenses is the most valuable money lesson they've learned, according to a recent survey of over 1,000 Americans from financial services company Empower. And the good news is, Americans are learning this lesson early — by age 22, on average, Empower found. Here's why it's so difficult to track your spending, and tips for making and sticking to your own money plan. Additionally, it may be difficult to start good money habits if you have subconscious negative beliefs or feelings around money that you haven't addressed. "Avoiding your money or having trouble starting the process of tracking your expenses can feel like you are protecting yourself from a daunting task."

Persons: they've, Courtney Burrell, Burrell, Aja Evans Organizations: CNBC

☆ Professors want to 'ChatGPT-proof' assignments, and are returning to paper exams and requesting editing history to curb AI cheating
▼ + stars: | 2023-08-10 | by ( Aaron Mok | Associated Press | ) www.businessinsider.com time to read: +5 min

College professors are looking to "ChatGPT-proof" assignments to curb cheating. Some professors suggest returning to paper exams and asking students to show editing histories. Changes to assignments come as teachers debate the usage of generative AI in the classroom. Some professors suggest students show their work by including their editing history and drafts along with their completed assignments. The changes to school assignments come as teachers grapple with how to best integrate AI tools like ChatGPT into their classrooms.

Persons: OpenAI's ChatGPT, Bonnie MacKellar, MacKellar, William Hart, Davidson, Hart, Krebs, Dave Sayers, Shannon Ahern, Ahern, Insider's Aaron Mok Organizations: St, Johns University, Michigan State University, University of Jyväskylä, Times Higher Education, Butler University Locations: New York, Finland, Indianapolis, Dublin, Ireland

☆ AI is going to offer every student a personalized tutor, founder of Khan Academy says
▼ + stars: | 2023-05-04 | by ( Will Gendron | ) www.businessinsider.com time to read: +5 min

Sal Khan, the founder of Khan Academy, recently gave a TED Talk on AI's potential impact on education. The technology could offer personalized tutors to every student at a large scale, he said. Sal Khan, the founder of Khan Academy, an educational nonprofit that aims to provide free learning resources, is not necessarily fearful of the technology. In a TED Talk that was released this week, Khan explained the potential benefits of AI across the field of education, likening the possibilities to a personalized tutor for every student. Khan said AI could also offer personalized assistance to teachers, by helping with pre-class work like lesson planning, filling out report cards, and general administrative tasks.

☆ An academic used ChatGPT to write a letter of recommendation that helped a student win a prestigious scholarship from Cambridge
▼ + stars: | 2023-04-24 | by ( Aaron Mok | ) www.businessinsider.com time to read: +4 min

Matt Huculak, a university librarian, used ChatGPT to help write a letter of recommendation for a student. The "heartfelt" letter may have helped the student win a prestigious scholarship to Cambridge. A screenshot of the ChatGPT-generated reference letter Huculak used as a template of what not to write. After all, writing a reference letter, Huculak said, "is a tremendously difficult task" that he finds "anxiety producing." "I think committees will quickly learn to spot ChatGPT letters," Huculak said.

☆ I'm a high school math and science teacher who uses ChatGPT, and it's made my job much easier
▼ + stars: | 2023-03-14 | by ( Aaron Mok | ) www.businessinsider.com time to read: +4 min

Shannon Ahern, a high school math and science teacher, was afraid that ChatGPT would take her job. Here's how Ahern is using ChatGPT to make her job easier, as told to Insider's Aaron Mok. As a high school math and science teacher, I had a bit of an existential crisis over my job. Since then, I've asked ChatGPT to write lesson plans, generate exercise worksheets, and come up with quiz questions. Still, I understand why some teachers are hesitant about using ChatGPT.

☆ This one side hustle for introverts can bring in thousands of dollars in passive income per month
▼ + stars: | 2023-01-29 | by ( Gili Malinsky | ) www.cnbc.com time to read: +3 min

These are pretty social hustles, though, and if you're more of an introvert, spending your off-time interacting with others can be draining. Rachel Jiminez opened her Etsy store in 2019 and sells hundreds of printables ranging from Christmas scavenger hunts to digital planners. February might be a good time for Valentine's ideas, April might be a good month for Easter-based ideas, and so on. Jiminez perfected her Etsy-selling skills after taking Julie Berninger's course about opening an Etsy store for printables. She herself brings in about $1,000 per month in passive income from the site.

LANSING — State officials in Michigan announced changes this week to address administrative failures that have made it difficult for some of the state’s most vulnerable foster youth to earn a high school diploma. The actions came after NBC News reported on foster youth in Michigan who were denied credit for classes they took while living in state-funded, state-licensed residential facilities. He was one of five foster youth who addressed the board or had their statements read into the record on Tuesday. “The first thing we need to do is to get into the Legislature and make certain that there’s no such thing as noncredit-bearing courses in Michigan public education. The foster youth and their advocates said they’re hopeful that real change is coming.

"I Will Teach You To Be Rich" author Ramit Sethi just released a new journal to use alongside his bestselling book. Understanding what I want for my 'rich life' motivated me to save moreBecause I spent my childhood moving around between different cities and countries, I used to think of buying a home as a major life goal. In the journal, Sethi writes, "One of my favorite invisible scripts is that you 'must' own a house. I combed through my budget and found an extra $100 in savingsIn the past, I've made the mistake of trying to make too big of a change in my budget to start saving. The journal helped me understand that it's definitely not too late to start saving for my "rich life" — and I don't have to wait to start living my "rich life" either.

☆ This 30-year-old makes $114,000 a month in passive income: ‘4 businesses you can start today for $99 or less'
▼ + stars: | 2022-08-23 | by ( Charlie Chang | ) www.cnbc.com time to read: +4 min

And this year, I've been grossing an average of $114,000 a month in passive income through my videos, online courses and social media posts. Here are four business you can start today for $99 or less:1. YouTube AdsenseCost to start: $0 More than half of Adsense revenue is paid out to the creator, and many of my older videos are still generating passive income. Digital productsCost to start: $99 on Kajabi The first step is to identify what you can teach. Then I edited and uploaded my videos on Kajabi, which also lets you create marketing campaigns.

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