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☆ I'm a travel influencer who earned $10,500 in one month selling journals. Here's how I used Canva to diversify my income.
▼ + stars: | 2022-10-17 | by ( Katherine Stinson | ) www.businessinsider.com time to read: +8 min

This as-told-to essay is based on a conversation with Amanda Nelson, a 32-year-old influencer in Austin, Texas, about her job. However, there was that part of me that was yearning to travel, and I saw an opportunity to monetize travel-related content. I made a TikTok account and posted my first video in July 2020I was surprised by the lack of Texas travel content when I jumped from Instagram into the world of TikTok. There was a deeper issue there than simply wanting to get paid to travel to a glamorous destination. In August 2022, I made $9,500 on Amazon and nearly $1,000 on Shopify, which made it a $10,500 month.

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. Note that credit card lenders may use many different variations of credit score models when considering your application. If you're looking to take advantage of a credit card 0% APR offer, one of the best options is the Citi® Diamond Preferred® Card. How to pick a credit card bonusCredit card limited time offersCredit card intro bonuses aren't always the same. For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice.

Before COVID, my wife made a comfortable salary but was unhappy, while I was happy freelancing. My wife got pregnant with our son and became a full-time parent, and it's been great for us. Our son is six months old and my wife stays home with him while I work in his bedroom. It is how queer people have always had to live — making things up as we go and trying to disrupt social expectations. We don't have a lot of money but we are happy with the life we have created for him.

☆ I’ve been following a woman around the internet. Turns out she was created by artificial intelligence.
▼ + stars: | 2022-10-16 | by ( Evan Ratliff | ) www.businessinsider.com time to read: +31 min

Even in their first efforts, the GAN images were quickly on par with those made by any other, less intelligent software. You can find the results on the Generated Photos site, where you can filter by ethnicity, age, sex, eye color, and other attributes. Generated Photos' GANs tend to match conventional beauty standards, a product of the models that have been fed to the software. I'm not sure anyone would be surprised to find fake images accompanying testimonials on an Estonian bitcoin exchange or an online CBD seller. Are they real people deploying fake images, or fake people deploying fake images?

My family budget has a line item for my income: my paid work as a writer, and my unpaid work as a mom. This budgeting strategy gives my unpaid labor value — it recognizes that I work 12-14 hours a day. This unpaid labor balances out in the expense column, so there's no positive cash flow from it, but it appears on the budget anyway. If stay-at-home parents spoke up more about our monetary value, we might be more accurately seen as aggressively employed. Maybe the judgments would subside if we spoke up more about the monetary value of unpaid childcare, starting at home with our personal budgets.

Best travel credit cardsThis table reflects our current picks from the best travel rewards credit cards guide. Best small business credit cardsThis table reflects our current picks from the best small business credit cards guide. Best credit cards for poor/no creditThis table reflects our current picks from the best credit cards for bad credit guide. Other credit cards for poor/no creditWelcome bonus Card review Capital One VentureOne Rewards Credit Card 20,000 miles after spending $500 on purchases within 3 months from account opening Capital One VentureOne review Petal® 1 "No Annual Fee" Visa® Credit Card N/A Petal 1 Visa credit card review PenFed Gold Visa® Card N/A PenFed Gold Visa credit card reviewCollege students can earn rewards and build their credit history by using a student credit card responsibly. Then, once you've improved your credit score by using a credit card responsibly, it can be easier to upgrade to more lucrative rewards credit cards.

☆ Amid talk of a recession, experts share why now is a good time to start a business and which industries are the most promising
▼ + stars: | 2022-10-13 | by ( Alexandra York | ) www.businessinsider.com time to read: +7 min

While the prospect of an economic downturn can be worrying, indicators suggest it's still a good time to start a business. "When starting a business, your capital needs are as low as they're ever going to be," he said. Mawhinney, along with an economist, a business coach, and an entrepreneur, each shared their predictions for the coming years and why they encourage aspiring business owners to jump on the entrepreneurial bandwagon now. "But what we're seeing now is they've realized that employment itself is risky, and it's become easier to start that business." She encourages her coaching clients, who are aspiring entrepreneurs and freelancers, to take advantage of the new opportunities.

☆ Souring Economy Gives Tech Freelancers a Lift
▼ + stars: | 2022-10-12 | by ( Angus Loten | ) www.wsj.com time to read: +5 min

Like most companies, he said, it enlists freelancers with specific skills across a range of capabilities, including AI and analytics. “The pandemic and, more recently, the turbulence in the economy, spurred demand for greater labor flexibility both among employers and workers,” Mr. Herbert said. Sebastián Siseles, a vice president at Freelancer.com, said freelance work also allows IT job seekers—especially younger workers—to reduce the risk of being dependent on a single employer. By adapting to remote work during the pandemic, employers “opened the window” to hiring more freelancers, Mr. Siseles said. Many tech-enabled companies such as Uber Technologies Inc., Lyft Inc. and DoorDash Inc., which rely heavily on gig workers, have opposed similar efforts in the past.

Redeeming credit card points for cash back or statement credits when you're in a pinch can help you through a recession. Alyssa Powell/InsiderI accumulated over 300,000 credit card points during the pandemic because I didn't use them for travel. Using credit card points for cash back, gift cards, statement credits, and merchandise will help me stay on budget. Here are the ways I'm planning on strategically using a big chunk of my credit card points in case a recession hits hard. One way I can do that is by redeeming some of my existing credit card points for cash.

I never thought I'd be a stay-at-home parent but the pull to be with my first daughter was strong. After having two children I was ready to go back to work, but it didn't make financial sense. As I transitioned to full-time, stay-at-home parenting, I did some financial coaching and started a podcast on the side. I was hoping to be able to continue writing and work part-time at a local high school. I'm sure that if I were working a full-time job I wouldn't be able to pursue these side projects.

☆ I edit YouTube videos for creators like MrBeast. Here's a breakdown of my monthly revenue and how I land big-name clients.
▼ + stars: | 2022-10-10 | by ( Marta Biino | ) www.businessinsider.com time to read: +4 min

David Stack, 24, works full time as a YouTube video editor under the alias Restricted Edits. This as-told-to essay is based on a conversation with David Stack, 24, a YouTube editor from Durham, North Carolina. When I started editing YouTube videos, I was just 13, and I thought it was cool how people were syncing up video-game clips to music. Since then I have been focusing on growing as a YouTube editor in terms of skills and incomeThis job has made me more of an introvert. Working with MrBeast was great, but I'd rather be a freelancerIt was a great experience, and I learned a lot.

Winner: TD Bank The TD Bank Convenience Checking Account makes it easier to waive monthly service fees than Chase Total Checking®. Interest rates are variable and subject to change Minimum Deposit Amount $0 View Full Details Learn moreChase Savings℠ 3.25 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.25 out of 5 Stars Annual Percentage Yield (APY) 0.01% APY effective as of 10/10/2022. Winner: TD Bank TD Bank CDs require a much lower minimum opening deposit than Chase CDs. TD Bank vs. Chase trustworthiness and BBB ratingsWe include ratings from the Better Business Bureau to evaluate how a bank deals with customer issues. The BBB also gave TD Bank an A rating because government action was taken against the TD Bank.

Bank of America, Chase, and Wells Fargo have the most bank locations in the US. Compare Bank of America and Chase and Wells Fargo Bank of AmericaChaseWells Fargo Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightBank of America vs. Chase vs. Wells Fargo savings account comparisonsMost brick-and-mortar banks pay a low interest rates on savings accounts. Bank of America Advantage Savings Account Chase Savings℠ Wells Fargo Kids Way2Save Savings Account APY 0.01% to 0.04% APY 0.01% APY effective as of 09/26/2022. Your money will be safe in a bank account if a financial institution is federally insured by the FDIC or NCUA.

☆ The best credit cards for online shopping of October 2022: Earn bonus rewards with PayPal and at Amazon, Costco.com, and other popular retailers
▼ + stars: | 2022-10-10 | by ( Sarah Silbert | Read More | Read Less | ) www.businessinsider.com time to read: +56 min

Show more Regular APR 16.99% - 26.99% Variable Intro APR 0% intro APR on balance transfers for 18 months Editor's Rating 5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 5 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. All other purchases earn 1% cash back (cash back is received in the form of Reward Dollars). Review: Citi Double Cash card reviewIf you want a card that offers bonus rewards on Amazon purchases, the Amazon Prime Rewards Visa Signature Card is a solid choice. Review: Costco Anywhere Visa credit card reviewThe Bank of America® Customized Cash Rewards Credit Card is another no-annual-fee card, and it's the rare one that includes online shopping as a bonus category. Amex Offers** are limited-time deals available to cardholders, letting you earn cash back or bonus Membership Rewards points when you make purchases with popular retailers.

Highest savings account rates: October 10, 2022 UFB Elite SavingsBread Savings High-Yield Savings AccountLendingClub High-Yield Savings AccountBrioDirect High-Yield Savings AccountBask Bank Interest Savings AccountCredit Karma Money Save AccountCIT Bank Savings Connect AccountPersonal Capital Cash AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account.

☆ Best credit card deals and bonuses this week: New Amex promotions that can translate to big savings, plus 2 elevated American Airlines bonuses to earn 80,000 miles
▼ + stars: | 2022-10-10 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +60 min

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Note that credit card lenders may use many different variations of credit score models when considering your application. How to pick a credit card bonusCredit card limited time offersCredit card intro bonuses aren't always the same. For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice.

☆ It's time to expand your business. Here's how to build a sustainable team as a solo founder.
▼ + stars: | 2022-10-06 | by ( Alexandra York | ) www.businessinsider.com time to read: +5 min

Three entrepreneurs identified steps for finding and building a sustainable team as a solopreneur. This article is part of Talent Insider, a series containing expert advice to help small business owners tackle a range of hiring challenges. Mirho, Pendyala, and David Finkel, an author and entrepreneur, shared three key steps to finding, building, and managing a sustainable team as a solopreneur. "Control doesn't mean of the company — it can mean control of a process, an area of the business," Finkel said. Finkel and Pendyala argued that until a founder starts trusting others, they will be limited in their ability to grow and evolve.

☆ How to build a digital portfolio that showcases your work and attracts clients, according to a web designer who booked $200,000 in sales last year
▼ + stars: | 2022-09-27 | by ( Alexandra York | ) www.businessinsider.com time to read: +4 min

When AJ Camara decided to launch a website-development business, he created a digital portfolio that highlighted relevant experiences from his past jobs to attract potential clients. Build your portfolio on ideal future projectsWhen starting his business, Camara built a portfolio based on projects he'd like to work on in the future, he said. "Despite having years of work, I wanted to start with a fresh portfolio," Camara said. His portfolio shows projects with bold colors, visually captivating images, and interactive designs so inquiring clients know what to expect, he added. "Show that you have a specific skill, but that you can apply that skill in different ways" or for different industries, Camara said.

We selected Ally, Bank of America, PNC Bank, Navy Army Community Credit Union, and GECU as the best banks and credit unions in Texas. Best banks and credit unions in Texas AllyBank of AmericaPNC BankNavy Army Community Credit UnionGECU Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Editor's rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Category Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Best savings account Savings APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. We looked at the top 10 biggest banks and credit unions in the state, plus state financial institutions featured in our Black-owned banks and credit unions guide and Hispanic American-owned banks and credit unions guide.

☆ The best credit cards for online shopping of September 2022: Earn bonus rewards with PayPal and at Amazon, Costco.com, and other popular retailers
▼ + stars: | 2022-09-27 | by ( Sarah Silbert | Read More | Read Less | ) www.businessinsider.com time to read: +51 min

Parafin, launched in 2020, works with so-called platform partners, or companies that other small businesses sell their products through. All the cofounders knew was that they wanted to build technology that would help small businesses. And they may not get their first contract payment from the government for as long as 120 days," Reed, the startup's CEO, told Insider. Helping small businesses manage their taxesComplYant's founder Shiloh Jackson wants to help people be present in their bookkeeping. HoneyBookWhile countless small businesses have been harmed by the pandemic, self-employment and entrepreneurship have found ways to blossom as Americans started new ventures.

☆ How to turn your job experience into a freelance career, according to a web designer who made more than $200,000 in sales last year
▼ + stars: | 2022-09-26 | by ( Alexandra York | ) www.businessinsider.com time to read: +3 min

Last year he booked more than $200,000 in sales from a combination of agency and freelance clients. Last year he booked more than $200,000 in sales from a combination of agency and Fiverr clients, documents verified by Insider show. Educate yourself on your new craft, even before the transitionBefore officially making the jump to entrepreneur, continually hone your skills, Camara said. Before launching his agency and Fiverr services, Camara spent nearly a decade building websites. "Look for different opportunities to offer your services," Camara said, noting that some marketplaces offer specialized opportunities for high-quality creators, like Fiverr Pro.

☆ Best credit card deals and bonuses this week: New hotel credit card bonuses worth up to 150,000 points and a lucrative Bilt Rewards promotion
▼ + stars: | 2022-09-26 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +60 min

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. In addition to these Marriott card changes, there are new limited-time offers available on other Marriott credit cards, including the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, and Marriott Bonvoy Business® American Express® Card. Be sure to check out Insider's updated credit card reviews hub for all of our card reviews in one place. How to pick a credit card bonusCredit card limited time offersCredit card intro bonuses aren't always the same. For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice.

☆ I paid off my student loans 9 years early by freelance writing on the side, and I have 5 tips for anyone who wants to do the same
▼ + stars: | 2022-09-24 | by ( Krissi Driver | ) www.businessinsider.com time to read: +6 min

I paid off $60,000 of student loans nine years early in part by freelance writing on the side. To supplement my income, I started freelance writing in 2014. I have five tips for anyone thinking about starting a freelance writing side hustle to get out of debt. No matter what kind of content you're writing — and especially if you're writing anything that will live solely online — SEO will come into play at some stage. (And make no mistake, as a freelance writer, you're an entrepreneur!)

☆ I made $178,000 after flipping a website I bought for $52,000 last year. Here are the SEO strategy and tools I used to increase its value.
▼ + stars: | 2022-09-20 | by ( Pollyanna Brown | ) www.businessinsider.com time to read: +6 min

Money wasn't my motivator, but I was monetizing themOnce I sold those businesses, I realized I needed a new source of consistent monthly income. To replace my monthly income, I dove deeper into content marketing by becoming more knowledgeable about certain topics and creating helpful content for people searching the internet. For the most part, I taught myself content marketing. The website was generating income, but it was clear to me that the seller was leaving money on the table. I knew that with minimal work, I could increase the income the site generated, so it made sense to buy it.

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