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☆ I tried Sleep by Headspace for a month to stop waking up in the middle of the night — here's how it went
▼ + stars: | 2021-06-14 | by ( Zoe Rosenberg | ) www.businessinsider.com time to read: +7 min

She decided to download Sleep by Headspace, which costs $69.99 a year. She liked the wind-down and mid-night exercises, which helped her get to sleep after waking up. The "Falling Back to Sleep" wind down. Some tracks I found distracting, like "Cabin Porch," which featured bird sounds that my mind equates more with waking up. While briefly glancing at a cell phone in order to play an item from Sleep for Headspace likely won't ruin a night of sleep, it invites into the bedroom the temptation to continue scrolling.

☆ Află cum poți deveni parte a comunității de freelanceri
▼ + stars: | 2021-06-10 | by ( Onixmedia Srl | ) diez.md time to read: +4 min

Posibilitatea de a lucra la distanță și de a adopta un orar flexibil a devenit o oportunitate, iar freelance-ul e o decizie tot mai atractivă în timp. Platforma de start poate fi izarra.co, comunitate creată cu scopul de a motiva femeile să-și prezinte competențele profesionale și de a le găsi parteneri și clienți de încredere. Pe platforma Izarra, se oferă posibilitatea de a adăuga opt competențe și de a bifa de la zero la cinci aprecierea acestora. Freelancing-ul este adesea construit din încredere și relații cu clienții, iar aceste relații necesită timp pentru a se forma. Platforma oferă o modalitate unică pentru femeile independente de a se conecta între ele pentru oportunități de angajare, monetizare a serviciilor și navigare în economia online.

Persons: Izarra Locations: Upwork

☆ (video) „Succesul nu-i atunci când vrei bani, succesul e atunci când faci lucrul din plăcere.” Valentina Gaidarji, despre social media marketing
▼ + stars: | 2021-06-01 | by ( Onixmedia Srl | ) diez.md time to read: +9 min

În acest sens, echipa #diez a discutat cu Valentina Gaidarji, specialista care a povestit despre ce înseamnă social media marketing. Valentina Gaidarji este o tânără specialistă în social media marketing. Am fost curioși să aflăm care este diferența dintre social media manager și social media marketer, explicația a venit îndată ce invitata noastră a auzit întrebarea. Cât câștigă un specialist în social media marketing? Astfel, Valentina le-a sugerat tinerilor că, dacă vor să se ocupe de social media marketing pentru bani, mai bine nici să nu se apuce.

Persons: Valentina Gaidarji, Valentina, Valentina . Organizations: Online Locations: Moldova, pandemia, Republica Moldova, Rusia

☆ O organizație caritabilă susține că valurile au adus copii morți pe plajele din Libia
▼ + stars: | 2021-05-26 | by ( Publika.Md - Aici Sunt Știrile | ) www.publika.md time to read: +2 min

O organizație caritabilă spaniolă a publicat o serie de fotografii în care apar femei și copii morți, aduși la mal de valuri, pe o plajă din Libia, informează BBC. Cel puțin 743 de migranți au murit înecați în Marea Mediterană anul acesta. Reacționând la imagini, premierul italian Mario Draghi a declarat: "Imaginile în care apar bebeluși și copii mici morți pe plajele din Libia sunt inacceptabile". Europa se confruntă cu un nou aflux de de migranți care încearcă să ajungă pe continent trecând Marea Mediterană. Copilul sirian înecat a fost fotografiat zăcând cu fața în jos pe o plajă din Turcia, după ce familia sa încercase să ajungă în Europa.

Persons: Mario Draghi, Camps, Nancy Porsia Organizations: BBC, Organizația, Open Arms, Organizația Internațională, ONU, Open, Armata Locations: Libia, Europa, Mării Mediterane, Abu, Italia, exclava spaniolă Ceuta, Africa, Maroc, Turcia

☆ How a 25-year-old makes $65 an hour and $4,000 a month organizing people’s homes
▼ + stars: | 2021-05-22 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

As she entered the final months of her senior year in college in 2018, Leah Rowan wasn't sure what she'd do after graduation. Having studied public relations and business, she knew starting a business was an option, but figuring out which kind of business was a challenge. Rowan, now 25 and based in Philadelphia, knew she was "passionate about organizing, maximizing your space, efficiency, productivity," she says. A woman contacted her whose partner had filled their garage floor-to-ceiling with items she'd hoped to resell before passing away. She charges $65 per hour and is bringing in around $4,000 per month.

☆ 'I lost my job, so I was all in': This 42-year-old made over $366,000 from her side hustle turned full-time job
▼ + stars: | 2021-05-05 | by ( Taylor Locke | ) www.cnbc.com time to read: +4 min

Seven years ago, Jennifer Shealey was working as a project administrator for a tile company — but it wasn't a job she was passionate about. Shealey was also getting her master's in management and hoped to leave her job and instead work from home. So, Shealey searched the internet for other opportunities and found freelancer platform Fiverr in 2014. Shealey created a Fiverr account, and as a side hustle, started offering digital marketing services, like designing social media ads, for entrepreneurs. That's when Shealey turned her side hustle into her full-time gig out of her home in Melbourne, Florida.

☆ Elena Știubei, despre copywriting, cum să scrii texte care vând și care este importanța comunicării în afaceri
▼ + stars: | 2021-04-27 | by ( Onixmedia Srl | ) diez.md time to read: +3 min

Cu o experiență vastă de mai mulți ani în copywriting și comunicare, perioadă în care a scris texte și a fost vocea a mai multor companii mari din Republica Moldova, Elena Știubei a povestit despre faptul că nu există texte bune sau rele, ci doar texte. „Nu există text bun și text rău. Ca să fie „bun”, un text trebuie să fie scris în modul potrivit, pentru publicului potrivit, în contextul potrivit. În unele contexte e chiar de dorit să adăugăm «apă», repetiții și emoții, pentru a intensifica impactul mesajului și a accentua o idee. Pe de altă parte, nu ai un salariu fix, multe deadline-uri se pot suprapune și foarte rapid ajungi la burnout.

Persons: Elena Știubei, Elena, DeAcasa Locations: Republica Moldova, Conference

☆ 'MBA in a day' course helped instructor make over $1 million in passive income on Udemy
▼ + stars: | 2021-04-09 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

Chris Haroun was getting tired of the financial sector when he started teaching business and MBA courses at local colleges. One Saturday in January 2016, Haroun taught a group of 9-to-17-year-olds an "MBA in a day" course through the LEMO Foundation, which serves under-resourced student athletes, and immediately saw how focused and engaged they were. Take this quiz to see which is right for you3 tips for starting a successful side hustle"Even the 9-year-old was watching with his mouth open the whole day," Haroun says. He realized the class had potential and decided to upload it onto online courses platform Udemy. Today, the eight-hour course, which has a typical list price of $199, has been downloaded more than 370,000 times, providing a steady stream of passive income.

☆ How to file your taxes this year if you're a freelancer, with best practices from accountants and self-employed professionals
▼ + stars: | 2021-02-24 | by ( Robin Madell | ) www.businessinsider.com time to read: +15 min

Insider found accountants, tax preparers, and self-employed professionals to offer strategies that can take the fear out of freelance tax-paying requirements. "A deduction is allowed for the employer portion to reduce business income," Fishbein said. Instead, keep your own clean records and file taxes based on those. For the tax year, estimated payments are due in April, June, September, and January. The IRS notes that self-employed people are among those who may need to make estimated payments, according to their "The Basics of Estimated Taxes for Individuals."

☆ Prelungirea perioadei de selectare compania IT/Freelancer pentru elaborare sistem IT
▼ + stars: | 2021-01-21 | by ( Alte Articole | ) www.civic.md time to read: +5 min

(Concurs prelungit)SELECTAREA A UNEI COMPANII/FREELANCER PENTRU ELABORAREA UNUI SISTEM INFORMAȚIONAL privind evidența a activităților și serviciilor prestate în cadrul organizațieiCONTEXTUL ACHIZIȚIEIAsociația Obștească ”Institutul pentru Familie și Inițiative Sociale”(A.O. Limba de redactare a ofertei: limba română. Criteriile de evaluare a calității ofertei tehnice:termen restrâns de realizare a lucrărilor; perioada de mentenanță inclusă 12 luni. Etapa de selecție:Va fi selectată compania/persoana care a în baza evaluării a întrunit criteriile de selecție și a prezentat oferta cea mai potrivită. Criteriile de evaluare a calității ofertei tehnice:Raportul dintre calitatea propunerii tehnice și ofertei financiare va fi de 60% la 40%.

Persons: IFIS, Ofertă, Prețurile, ., Ofertantul, Vasile Alecsandri, Sergiu Toma Organizations: Civile, Uniunea Europeană, UE, Parteneriatului Estic Locations: A.O, Europe, Candidații

☆ Concurs selectarea unei companii/freelancer pentru elaborare sistem IT
▼ + stars: | 2021-01-12 | by ( Alte Articole | ) www.civic.md time to read: +5 min

SELECTAREA A UNEI COMPANII/FREELANCER PENTRU ELABORAREA UNUI SISTEM INFORMAȚIONAL privind evidența a activităților și serviciilor prestate în cadrul organizațieiCONTEXTUL ACHIZIȚIEIAsociația Obștească ”Institutul pentru Familie și Inițiative Sociale”(A.O. Limba de redactare a ofertei: limba română. Criteriile de evaluare a calității ofertei tehnice:termen restrâns de realizare a lucrărilor; perioada de mentenanță inclusă 12 luni. Etapa de selecție:Va fi selectată compania/persoana care a în baza evaluării a întrunit criteriile de selecție și a prezentat oferta cea mai potrivită. Criteriile de evaluare a calității ofertei tehnice:Raportul dintre calitatea propunerii tehnice și ofertei financiare va fi de 60% la 40%.

I've taken a few steps to help me reach financial independence sooner: I boosted my income, keep my lifestyle costs low, and save 50% of my income. For me, I've begun to pursue financial independence as a way to safeguard my future as a freelancer. The goal is to achieve a measure of financial independence that would allow you to step away from paid work permanently. But as I've worked for financial independence, I've built up financial resources along the way. As a freelancer, the peace of mind created with this financial safety net is priceless to me.

Persons: I'm, I've, —, what's, we've Organizations: Service, FIRE, Quicken

I made a New Year's resolution to buy a house with a 20% down payment in 2020, and I met my goal by September. While a lot of unpredictable things happened along the way, I was able to stay on top of my huge savings goal by breaking it up into smaller parts. Finally, at the end of every pay period, I'd look at my bank account and move any leftover money into my down payment savings account. Whatever was leftover from the previous paycheck, I'd put into my house savings account. I ultimately accomplished my goal of saving 20% in September, the same month that I bought the house.

☆ Call private sector initiative for Women Engagement
▼ + stars: | 2020-12-18 | by ( Alte Articole | ) www.civic.md time to read: +19 min

About Project “ Empowering Women in Tech”:Empowering Women in Tech is a project implemented by ATIC with UN Women and Sweden Support since 2018. 1.1 Private Initiatives for Women Economic Empowerment in TechThe overarching goal of the Call is to support women driven private initiatives to further engage women freelancers and entrepreneurs based on a public call in Partnership with “Empowering Women in Tech” Project, supported by Sweden and UN Women. Measure and make visible the impact of the new or existing initiatives, products, services and solutions, to support private sector engagement for sustainable development and attract more women in IT, support the women entrepreneurship, the women in IT sector growth, the promotion of tech jobs for women, other that may reach the provided goal. The Project plan should contain the detailed elaboration of the concept, analysis of the market, impact analysis of the action versus the objectives of the call, sustainability of the action, if any, envisaged development activities including staff engagement, necessary material means and needed advisory services and trainings. Only expenditures accrued during the project, in accordance with the Project Budget and completed by the end of the project, are eligible for financing.

Persons: ATIC, Gross Organizations: UN Women, TEKWILL, USAID, National Association of ICT Companies, TECH THE MOLDOVAN, OF ICT, Umbrella Organization, Moldovan ICT, ICT, Association, Women, Go, Tech, ATIC, Choose, Tech Women, Tekwill, Government of, Moldovan Government, IBM, Microsoft, Moldovan Association of Private ICT Companies, Ministry, Ministry of Education, Government Center, Women Economic Empowerment, “, UN, Tech Industry, Tech ” Project, Project, Independent, Assurance, an, Technology, – Bank Locations: Sweden, Republic of Moldova, Government, Government of Sweden, Moldova, Chisinau

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In 2021, I plan to open and use cash-back credit cards to boost my earnings. Between big welcome bonuses and spending on everyday purchases, I'll get even closer to my yearly retirement savings goal. How credit card rewards will boost my savings 2021While that may sound counterintuitive, as someone who once had to declare bankruptcy because of credit card debt, now I know that there are ways to use credit cards to my advantage. Since my credit score is over 800, I feel comfortable applying for new credit cards strategically.

Persons: I'm, —, It's, I've, that's, that'll Organizations: Read, Service, Bank of America, Citi, PayPal, Wholesale

Thanks to that strategy, I've maxed out my retirement savings every year since 2014, and they're still a top priority. I completely stopped saving money, and kept blowing my dad off when he asked whether I'd started a Roth yet. The next year, I made my retirement savings top priorityWith the money out of sight and out of mind, I didn't find myself missing it much. Every payday, as soon as the money hit my Bank of America account, I'd zip $230 out of it and over to a high-yield savings account at Ally. Week after week, I'd move the money over to my savings account, and force myself to forget about it once it was there.

Persons: I've, they're, —, Roth, I'm, I'd Organizations: Service, of America

☆ How did the pandemic change the paid work model? OP-ED by Ala Tocarciuc
▼ + stars: | 2020-11-04 | by ( ) www.ipn.md time to read: +7 min

How did the pandemic change the paid work model? OP-ED by Ala Tocarciuc„By developing new models of paid work, we can ensure the development of the economy and mitigate the impact of the pandemic. At a fast pace, the traditional working hours were changed from 9 a.m. to 5 p.m. and replaced with a hybrid work model. Paid work model – part of the life modelWe are all used to a life model and a work model. This model of pandemic cohabitation will also determine the patterns of paid work for the next two to three years.

Persons: Ala Tocarciuc, It's Organizations: World Health Organization Locations: USSR, Moldova, Trade

☆ I pay about $36 a month for disability insurance, and I sleep better knowing I'll have $5,000 a month to cover my bills if I can't work
▼ + stars: | 2020-08-18 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +6 min

If you don't get disability insurance as a benefit at work, it may be worth signing up for a disability insurance policy on your own. After that wake-up call, she signed up for disability insurance from Freelancers Union, a nonprofit that offers a range of services and benefits to freelancers, including disability insurance. What to look for in a disability insurance policyWhen setting up my disability insurance, there were a few important areas I wanted to review before signing on the dotted line:Monthly cost for desired coverage: Cost is a top consideration with any insurance product. Ultimately, your disability insurance should cover your essential monthly bills if you are unable to earn a paycheck. Social Security Disability Insurance may offer you coverage as well, but it's likely not enough to cover your bills on its own.

From an early age, my dad taught me that I had to be responsible for my own finances, especially when it came to retirement. Because of this advice, I've taken seriously the task of tucking away money for my own nest egg. Saving in my solo 401(k) accountSince I opened a solo 401(k) a few years back, I've been trying to squirrel away as much money as I can. If you're unfamiliar, solo 401(k) accounts are designed for business owners with only one employee — themselves. What's particularly neat about solo 401(k) accounts is that as the business owner, you can make contributions as both an employer and an employee.

Persons: I've, —, Ameritrade Organizations: Service Locations: Los Angeles

Pros Check mark icon A check mark. Competitive APY Check mark icon A check mark. No opening deposit or minimum account balance Check mark icon A check mark. Easy to save for various goals Check mark icon A check mark. Easy to save for various goals Check mark icon A check mark.

During that time, I relied heavily on credit cards to cover my basic necessities. I could have saved hundreds of dollars by relying primarily on the credit card with the lowest-interest rate. 2. Credit cards with an intro APR can act as an emergency fundSome credit cards come with introductory offers that give you a 0% APR on purchases for a certain period of time. Paying your credit card bill on time is arguably the most important thing you can do to protect your credit. My credit score did take a slight hit due to the high balances I had on a couple of my credit cards.

When the first round of quarterly taxes was coming due, I quickly realized that doing all my own tracking was taking up way too much of my time. I can even do it from my phone — the QuickBooks Self-Employed app is user-friendly and easy to navigate. I opted for the tax bundle for the convenienceThere are a couple of plans you can pick from with QuickBooks Self-Employed. QuickBooks Self-Employed is simple, not robustIt's not all rainbows and roses when it comes to this cloud-based accounting software. Having my tax summary report, all Schedule C deductions, and my estimated quarterly taxes done is exactly what I need.

I keep my money in a high-yield savings account from CIT BankIf you know me at all, you know I talk incessantly about high-yield savings accounts. Your typical savings account earns you just 0.09% at your local bank — literal pennies. A high-yield savings account, on the other hand, can earn you up to 20 times more. The longer you wait to open up a high-yield savings account, the more money you lose. To make sure I'm on track to pay my quarterly taxes, I simply put aside 30-40% of my pay into my tax-designated savings account.

Organizations: Service, CIT Bank, CIT, IRS, Social Security, Medicare Locations: Wall, Silicon

Freelancers and small business owners are smart to look ahead and get their accounting in shape well before Tax Day 2020. To make filing taxes easier, accountants recommend building smart bookkeeping practices into your everyday processes, and putting aside money for taxes sooner rather than later. If you're new to the freelancing world or you're just looking for some expert tips on improving your financial well-being come tax season, we asked accountants for the best tax advice they can give freelancers to make life a little easier. "A simple spreadsheet detailing your monthly income and expenses is perfect for freelancers," says CPA Alexis Krystina of Advance Accounting. Set aside self-employment taxes in a separate accountBrendan Willman, a CPA with Granada Tax, says self-employment taxes are the biggest surprise for new freelancers.

☆ By using a rewards credit card to pay my taxes, I earn more than 40,000 points each year
▼ + stars: | 2019-10-31 | by ( Caroline Lupini | Freelance Reporter | ) www.businessinsider.com time to read: +6 min

I earn more than 40,000 points per year paying my taxes with a rewards credit card. While there can be fees associated with paying taxes with a credit card, sometimes the points earned are well worth it. However, I actually look forward to my tax filings, because it's a great opportunity to earn credit card rewards. Choosing the right credit card for paying your taxesThe hardest part of the process might be deciding which credit card to use. For example, the Ink Business Preferred® Credit Card offers 100,000 bonus Ultimate Rewards points when you spend $15,000 on purchases in the first three months after opening the card, and the Southwest® Rapid Rewards® Performance Business Credit Card offers 70,000 bonus Rapid Rewards points after you make $5,000 in purchases within the first three months.

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