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☆ You’ve Got (Scam) Mail
▼ + stars: | 2023-09-22 | by ( Julia Rothman | Shaina Feinberg | ) www.nytimes.com time to read: 1 min

Some things felt slightly off, but I wrote back. The response was surprising: The person knew some things about hiring an illustrator, using industry terminology and making other requests typical of art directors. At this point, I was almost certain it was a scam. And then the most glaring red flag: The person wanted to pay me immediately. As a freelancer, I almost always collect payment once a project is completed.

☆ Insider Today: Side hustles' turning point
▼ + stars: | 2023-09-21 | by ( Dan Defrancesco | ) www.businessinsider.com time to read: +8 min

A new study from Morgan Stanely makes the case that generative AI will enable people to work multiple jobs, writes Insider's Alistair Barr. In the US alone, multi-earning has increased 11% over the past year, largely thanks to the rise of generative AI tools like ChatGPT. New research from EY found that nearly 40% of Gen Zers had a side hustle to earn extra money. Adding fuel to the fire is the fact bosses don't seem to care if their employees are working multiple jobs, albeit with one caveat. To be sure, executives' acceptance of employees working multiple jobs might be short-lived.

Persons: Randy Rush, Morgan Stanely, Alistair Barr, Morgan Stanley, EY, Gen Zers, Zers, Gen, Z, Alex Wong, we're, It's, Peter Brown, alums, —, Brooks Kraft, Cassidy Hutchinson, Rudy Giuliani, Joe Biden, Volodymyr Zelenskyy, Mike Minnis, Dan DeFrancesco, Naga Siu, Hallam Bullock, Lisa Ryan Organizations: Service, Fed, cofounders, Renaissance Technologies, Tesla, Bugatti, Brooks Kraft LLC, Getty, Netflix, United Nations General Assembly, Darden, Olive Garden, LongHorn Locations: Wall, Silicon, Asia, Scottish, —, Europe, Americas, Olive, New York City, San Diego, London

☆ 3 smart strategies a small-business owner uses to manage 20 employees in 7 time zones
▼ + stars: | 2023-09-21 | by ( Erica Sweeney | ) www.businessinsider.com time to read: +6 min

Today, Aimtal has 20 employees across seven time zones. To make it work, Mesh said the company set clear expectations and had established processes for communication and collaboration. Insider spoke with a small-business owner and a remote-work expert about how small businesses could manage teams across multiple zones. Aimtal requires its employees to be available from 11 a.m. to noon and 3 p.m. to 4 p.m. Watson said small-business leaders should build connections and immerse employees in the company's culture to keep them happy and productive.

Persons: Slack, Aimtal, Janet Mesh, Cynthia Watson, you've, Watson, Jessie Wyman Organizations: Service Locations: Wall, Silicon, Boston, Virtira

☆ I'm a virtual assistant who left my legal career because I needed more flexibility at work. Here's how I got started and outsource to other VAs.
▼ + stars: | 2023-09-18 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +5 min

I quit my job and started a VA courseI took the plunge and left my job. In my legal job, I'd worked with a VA. I found clients through VA networksI joined lots of different Facebook groups, freelancer groups, and networking groups to build my network. If there were aspects of client work that I didn't like doing, or it wasn't my forte, then I would delegate. I time block my whole week and I use Asana, a project-management tool, to keep a record of my client work.

Persons: Laura Leach, I'd, We'd, I'm, That's, I've Organizations: HR Locations: Yorkshire, England, VAs, Harrogate

☆ 3 LinkedIn red flags that could cost you a job: 'Don't post when you're emotional, upset or angry'
▼ + stars: | 2023-09-11 | by ( Gili Malinsky | ) www.cnbc.com time to read: +3 min

These days, having a LinkedIn profile can be critical to getting a job. If you haven't created a LinkedIn profile yet, don't wait. "To not have any established presence online could be concerning to an employer," says Angelina Darrisaw, career coach and founder and CEO of C-Suite Coach. Here are three LinkedIn red flags to avoid on your profile according to career experts. 'A lot of overlapping job titles'Recruiters also notice inconsistencies in your job experience.

Persons: Angelina Darrisaw, you'll, you've, Phoebe Gavin, doesn't, Octavia Goredema, Darrisaw Organizations: LinkedIn

☆ I bought a fixer-upper for a fraction of what I could afford. Now we have new floors and ceilings, and I'm thrilled to pay just $770 a month.
▼ + stars: | 2023-09-09 | by ( Sarah Sharkey | Avril Ayers | Read More | ) www.businessinsider.com time to read: +5 min

My husband and I bought a house in 2020, and we decided to stick to a mortgage payment of $700. Here's how we decided on how large of a mortgage payment we could afford. Why we kept our numbers conservativeBased on the 28% rule, our income could have supported a much larger mortgage payment. In my opinion, opting for a smaller mortgage payment than we could technically afford opened up more room for financial flexibility. Since closing three years ago, our mortgage payment has grown to around $770 per month.

Persons: we've, you'll, that's, homeownership Organizations: Service Locations: Wall, Silicon

☆ I make $250K a year but still have financial anxiety and debt. A financial therapist is helping me let go of my shame — and set myself up for the future.
▼ + stars: | 2023-09-08 | by ( Megan Dematteo | ) www.businessinsider.com time to read: +10 min

So why did a couples-focused financial planner agree to meet with me — a single, childless, 33-year-old with debt and trust issues? As I signed off Zoom that day, I realized I would only see progress with a financial planner if I showed up with courage and sincerity. (A tip for anyone hiring their first financial planner : A fee-only structure is meant to avoid conflicts of interest.) But in sessions with a licensed therapist and certified financial planner like Coambs, clients are encouraged to talk through their feelings. Becoming more financially transparent — and more emotionally availableWorking with a therapy-informed financial planner is good practice for letting another human being into my emotional and financial worlds.

Persons: Peter Pan, Ed Coambs, Coambs, I've, I'm, —, we're, we've, I'd Organizations: Service Locations: Wall, Silicon, New York

☆ The generative AI boom should have been Appen's time to shine. Here's what went wrong
▼ + stars: | 2023-09-06 | by ( Hayden Field | ) www.cnbc.com time to read: +13 min

For Appen, that would mean finding specialists in particular types of information that can bolster generative AI systems. Even before the generative AI transition, wages for Appen's data labelers were a sticking point. Kim Stagg, Appen's vice president of product, said the work required for generative AI services was different than what the company has needed in the past. "With generative AI, we see a different demand." The company's plunging stock price suggests that investors don't see the company's business offerings transferring to the generative AI space.

Persons: Jonathan Raa, Mike Monegan, he'd, Appen, it's, Armughan Ahmad, Mark Brayan, Ahmad, Monegan, he's, Appen's, Helen Johnson, Fab Dolan, Sujatha Sagiraju, Elena Sagunova, Jen Cole, Jukka Korpi, Still, OpenAI's, Google's Bard, didn't, Bard chatbot, Ed Stackhouse, raters, Erik Vogt, Vogt, hadn't, Kim Stagg, we've, Stagg, Lisa Braden, Harder, Canaccord Organizations: Nurphoto, Microsoft, Apple, Google, Amazon, Nvidia, Revenue, CNBC, Australian Securities Exchange, Adobe, U.S . National Labor Relations Board Locations: Seattle, Europe, Middle East, Africa

☆ AI could 'turn good jobs into bad jobs'—3 labor historians on what the future of work might hold
▼ + stars: | 2023-08-28 | by ( Gili Malinsky | ) www.cnbc.com time to read: +6 min

Google and Microsoft are currently testing out their own generative AI tools as well. History could help predict how generative AI "might actually influence or change work in the future," says Benanav. Tech could 'turn good jobs into bad jobs'Generative AI could change the nature and parameters of certain jobs. Introducing new tech into the process has been a way "to turn good jobs into bad jobs," he says. A recent analysis by Goldman Sachs found that, globally, 300 million jobs could be lost to generative AI.

Persons: Aaron Benanav, Felix Koenig, Jason Resnikoff, Resnikoff, who've, there'd, You'd, Koenig, Goldman Sachs, ZipRecruiter Organizations: SAG, Guild of America, HBO, National Union Solidarity, Google, Microsoft, Technology, Syracuse University, Carnegie Mellon University, Pew Research Center, University of Groningen Locations: New York City, Netherlands

☆ I spent most of my life without a penny in savings, but learning how much I can earn with high-yield savings completely changed my approach
▼ + stars: | 2023-08-26 | by ( Chris Boutté | Avril Ayers | Freelancer | ) www.businessinsider.com time to read: +6 min

I've spent the majority of my life without a single penny in savings, but over the last few years, I've woken up and realized how ignorant I was to not take advantage of high-yield savings accounts. I didn't know much about saving moneyOnce I started educating myself about personal finance that I discovered high-yield savings accounts. Basically, high-yield savings accounts pay out a higher percentage than normal savings accounts by simply storing your money at a certain bank. I found a high-yield savings account that meets my needsThe first thing I did was start researching high-yield savings accounts to see who paid the most. All this required was a quick Google search for "best high-yield savings accounts."

Persons: I've, it's, Banks, They're, Chase, I'd, she's Organizations: Service, Bank of America Locations: Wall, Silicon, Wells Fargo

☆ Working in an office full time is a no-go for some people who desperately want remote work
▼ + stars: | 2023-08-24 | by ( Madison Hoff | ) www.businessinsider.com time to read: +7 min

Working adults or job seekers tend to prefer remote work over being in the office full time, per Bankrate. New survey results from Bankrate found 64% of US adults who are part of the workforce are in favor of fully remote work instead of work done all in person. AdvertisementAdvertisementOne person who is in a new fully remote position had previously been working remotely as an ad tech contractor. "I think fully remote work is going to be tough for them to find," Pozen said. AdvertisementAdvertisementAre you thinking about switching jobs or have already quit because of return to office requirements or a desire for flexible work?

Persons: Bankrate, YouGov, Mark Hamrick, it's, Robert C, Hamrick, Pozen, Paul Rubenstein, Visier, you've, Rubenstein, Robert Half Organizations: Service, MIT Sloan School of Management, Workers Locations: Wall, Silicon, Bankrate

Alexander SaeedyAlexander Saeedy covers credit markets, financial distress and sovereign debt for WSJ Pro Bankruptcy and The Wall Street Journal. He specializes in investigating and reporting on the finances of companies and countries who are struggling to pay their bills or facing unprecedented financial pressure. His stories have led him to investigate far-flung corners of financial markets, where he has written about collapsed cryptocurrency companies, emerging-market economies pummeled by global inflation, and multibillion-dollar deals gone wrong on Wall Street. Alex graduated with cum laude honors from Yale University in 2015 with a bachelor’s degree and master’s degree in history, with a concentration in modern economic history. He relocated to New York in 2018, and before joining the Journal, he covered distressed debt, leveraged finance and real estate in New York for Reorg Research and S&P's LCD.

Persons: Alexander Saeedy Alexander Saeedy, Alex Organizations: Pro, Street, Yale University, Overseas Press Club, Reuters News, Atlantic, Foreign Affairs, Reorg Research Locations: Brussels, New York

☆ 4 in-demand freelance A.I. jobs—one can pay $100/hour: 'There's incredible demand for people who are creative'
▼ + stars: | 2023-08-17 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

AI continues to make headlines as companies and individuals alike try to harness the power of new tools like ChatGPT to become more efficient at work and in life. "There's incredible demand for people who are creative, who are entrepreneurial, who quickly adopt new technologies and figure out how to leverage them," says Julia Pollak, chief economist at ZipRecruiter. "Toward the end of last year, we started noticing spikes in searches around all types of AI-related needs," says Yoav Hornung, head of verticals at Fiverr. These included technical needs around integrating it, but also included consulting, "a lot around AI video editing and prompt engineers," he says. Here are four new AI gigs on Fiverr and how much freelancers are charging for them.

Persons: Julia Pollak, Fiverr, Yoav Hornung Organizations: ZipRecruiter Locations: Fiverr

☆ 3 business owners share the one change they made to turn everything round and start making money
▼ + stars: | 2023-08-17 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +3 min

Business owners might make mistakes when they first start, which could cost them income. It takes some business owners months, or even years, to land their first customers or start making a profit. These three business owners approached their work wrong and each one made a change to their approach that prompted success. He tried selling products through Amazon FBA and drop-shipping, spending between about $2,000 and $3,000 on each. "Rather than selling brand names on Amazon, I saw a big opportunity with personalized gifts on Etsy," he said.

Persons: Erik Soto Ayala, Soto Ayala, Read, Lindsey Bomgren, Bomgren, Alexa Nizam, Nizam, Alexandra Fasulo, Fasulo Organizations: Amazon, Google, Lululemon

☆ I'm a freelance editor who's embraced working with AI content. Here's how I do it and what I charge.
▼ + stars: | 2023-08-15 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +6 min

She pivoted to editing AI content, embracing a technology that many in her profession fear. I started working with authorsI started editing books, including novels and memoirs within four months. I use plagiarism-detection tools on clients' AI-generated workAt first, clients wanted me to make their AI-generated work sound less robotic and more human. Editing AI is often more involved than editing human work and can mean rewriting the whole text. It takes a lot more time to edit AI work.

Persons: Gabrielle Gerbus, Gerbus, —, I'd, who's, I've, ChatGPT, doesn't, haven't Organizations: National Geographic Locations: California, Thailand, Los Angeles

☆ This in-demand freelance job pays up to $250 an hour, offers remote opportunities and doesn’t require a degree
▼ + stars: | 2023-08-14 | by ( Morgan Smith | ) www.cnbc.com time to read: +1 min

The hottest gig on the freelance job market isn't coding or graphic design, as you might expect — it's writing. That's at least according to new research from Freelancer.com, which found creative writing to be the most in-demand skill employers are hiring for on its platform, based on an analysis of nearly 300,000 jobs advertised on the site between April and June. "AI can't replace creativity yet," he says. "We saw a similar trend occur in the first quarter of the year, as creative design jobs were flourishing despite interest for generative AI tripling." Other writing-related skills that have become more popular on Freelancer.com include copywriting and ghostwriting, Barrie adds.

Persons: That's, Matt Barrie Locations: ghostwriting, Barrie

☆ A single mom who made freelancing her full-time career explains how to get started finding customers and setting prices
▼ + stars: | 2023-08-14 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

It all started when Haight was looking on freelancing site Fiverr for someone to make a logo for a side business she had. She left the magazine and other side hustles a few years later to focus on freelance editing full time. She said these are examples of "things that would've never been able to happen before I started freelance work." "I prefer freelance work for the variety, for the freedom." "Whenever someone does freelance work, they quickly fall in love with the flexibility it offers," she said.

Persons: Nancy Haight, Haight, I've, would've Organizations: Service Locations: Wall, Silicon, Eugene , Oregon, Fiverr, New York

☆ 3 millennials who pivoted from 6-figure corporate jobs for more meaningful careers share why the pay cut was worth it
▼ + stars: | 2023-08-09 | by ( Anastasia Chernikova | ) www.businessinsider.com time to read: +7 min

The narrative around remote learning and teaching during this time was "pretty abysmal," Clark told Insider. The tech job market was so bleak, she didn't consider looking for a similar position. She told Insider the work inspires her writing and is an opportunity to meet interesting people. He also told Insider he thought there "was potential to make this pursuit a full-time business." He told Insider the most dramatic change was abandoning desk work.

Persons: Paige Webster, Kat Clark, Adam Parmer, Clark, Webster, Meta, Parmer, It's, it's Organizations: Big, Service, Apple, Meta, LinkedIn Locations: Big Tech, Wall, Silicon, Wisconsin, Midwest, Northern California, Meta, Silicon Valley, Bay

☆ My 10-year-old spends up to 5 hours a week learning to code. Here are the best resources I've found to help him get ahead in his future career.
▼ + stars: | 2023-08-08 | by ( Robin Madell | ) www.businessinsider.com time to read: +5 min

Joel Gratcyk's son Wesley spends a few hours a week learning to code in Python, PHP, and Swift. Wesley started taking free courses when he was 7 and uses both online and library resources. Gratcyk said that whether or not Wesley goes into coding, he'll have an advantage in his career. Another one he's done is freeCodeCamp , which offers over 3,000 hours of tutorials for all levels of computer programming for free. The amount of time Wesley spends on coding changes from week to weekWesley enjoys coding most days.

Persons: Joel Gratcyk's, Wesley, Swift, Gratcyk, Joel Gratcyk, It's, He's, I've, we've, we're Organizations: Service, Khan Academy, Apple Locations: Wall, Silicon, Illinois

I had been saving to buy a house, but prices in Southern California have made that unlikely. I decided to stop focusing on trying to buy a house, which means I can put more toward retirement. I'm okay knowing I might be renting for life, as it means I can streamline my finances. Instead of using my HSA contributions toward health-related expenses, I'm investing my HSA funds. Now that I've nulled out savings to buy a home, my financial goals feel more streamlined.

Persons: I've, homeownership, Roth, it's, There's Organizations: Service, realtors Locations: Southern California, Wall, Silicon, Los Angeles

☆ How to make money on Fiverr, according to 5 freelance writers
▼ + stars: | 2023-08-02 | by ( Ella Hopkins | ) www.businessinsider.com time to read: +5 min

Courtesy of Raphael MenesesMeneses, 32, started freelance copywriting on Fiverr in 2019 to make some extra money alongside his university job. Alexa Nizam brought her personality to her Fiverr profileNizam updated her profile to get customers for her freelance copywriting. Read more: I make up to $13,000 a month copywriting on Fiverr. Here's how I landed clients on Fiverr. Read more: I made 6 figures in a month on Fiverr working with a team of 150 freelance copywriters to meet client demand.

Persons: Rafael Meneses, Meneses, Raphael Meneses Meneses, Alexa Nizam, Nizam, Nizam Nizam, Alexandra Fasulo, she'd, Read, Gaurav Shrishrimal, Shrishrimal, Gaurav Shrishrimal Shrishrimal, Fiverr . Georgia Austin, Georgia Austin Austin, Betty, Austin, copywriters, Billy McIntyre, McIntyre, Billy McIntyre McIntyre, he'd Organizations: Service, Fiverr, Alexa, Austin, Georgia, Nike Locations: Wall, Silicon, Fiverr, Fiverr . Georgia

☆ How to build a 7-figure business in a year: Start with selling your time and level up to selling a product
▼ + stars: | 2023-07-31 | by ( Tim Denning | ) www.businessinsider.com time to read: +12 min

Once you have people in your corner, start with a free product and graduate to a paid product. That means you don't need heaps of leads or millions of followers on social media. Offering a free product may make you feel like you want to pee your pants. But what you need to do is get over it and offer a free product, which will be the foundation for a paid product later. This one technique has made the goal of making seven figures online attainable for so many more people.

Persons: Tim Denning, Get, it's, Dan Koe, Dan Go, Matt Grey, Todd Brison, Zach Progob, Dakota Robertson, I've, bro, Nicolas Cole, Ali Abdaal, Read, That's, you've, Tim Ferriss, Doreen, she'd, it'll Organizations: Service, CNBC Locations: Wall, Silicon, Australian

I'm a freelancer, so when my husband and I bought our house, we did it with his income. We were lucky to be able to buy at a time when houses were affordable, and we refinanced last year. We could have had a bigger house, but I'm glad we're investing more and not having to make hard budget choices. I'm a freelancer, and my husband was starting a new corporate job, and we decided to purchase a house solely on his earnings. We didn't want to be 'house poor'While being "house poor" is a lot more common these days, I knew it wasn't the right choice for us.

Persons: I'm, I've, we're, spender I've, we've Organizations: Service Locations: Wall, Silicon, Florida

☆ Meet a lawyer who turned a pandemic-era freelance gig into his full-time work, travels the world, and has already made more than $100,000 this year
▼ + stars: | 2023-07-23 | by ( Madison Hoff | ) www.businessinsider.com time to read: +6 min

Derrick Morgan Jr. turned his freelance work while working at a law firm into a full-time gig. Morgan lands freelance work through the freelance-site Fiverr, where his starting price for different trademark services vary. Additionally, he has his own full-service law firm, but didn't disclose how much money he makes from this to Insider. He actually got started in trademark-attorney work during the pandemic while working for a law firm. "I would take three international trips a year just because I had the flexibility with my law firm," he said.

Persons: Derrick Morgan Jr, he's, Morgan, I've, —, Fiverr, Selina Organizations: Service, — Locations: Wall, Silicon, Europe, Hungary, Croatia, Monaco, Italy, Iceland, Mexico City, Chicago, Asia, Fiverr

☆ I traveled 96 hours from Boston to Napa using the Amtrak USA Rail Pass. I wanted an adventure, but I regretted my choice a few times.
▼ + stars: | 2023-07-21 | by ( Fortesa Latifi | ) www.businessinsider.com time to read: +5 min

Cali O'Connor bought an Amtrak USA Rail Pass to get from Boston to Napa two summers ago. I took a 96-hour train ride from Boston, Massachusetts, to Napa, California. I started my journey in Boston, then stopped in Milwaukee, Wisconsin; Whitefish, Montana; and Seattle, Washington, before getting to my destination of Napa. The first leg of the trip was from Boston to Milwaukee, which took about 27 hours. It took another 30 hours to get from Milwaukee to Whitefish, then 14 hours from Whitefish to Seattle.

Persons: Cali O'Connor, I've, I'm, I'd, Joe's Organizations: Amtrak, San Francisco International Locations: Amtrak USA, Boston, Napa, Boston , Massachusetts, Napa , California, United States, Napa Valley, Milwaukee , Wisconsin, Whitefish , Montana, Seattle , Washington, California, Milwaukee, Whitefish, Seattle, Mexico, TikTok

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