jobs http://www.wisebread.com/taxonomy/term/1488/all en-US 8 Common Myths About Starting a Small Business http://www.wisebread.com/8-common-myths-about-starting-a-small-business <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-common-myths-about-starting-a-small-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_designer_tablet_496600060.jpg" alt="Woman learning financial myths about working for herself" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the &quot;dot com&quot; era of the 1990s, I started a couple of technology companies and ended up running my own profitable small business for five years. Starting your own business and working for yourself sounds great &mdash; and it can be! But it seems like many people who dream of starting their own business don't understand some of the hard realities that go along with this undertaking. Don't buy into these myths about working for yourself.</p> <h2>1. You Have No Boss</h2> <p>A big reason some people want to start their own business is so they can be their own boss. But even if you own a business, you still have a &quot;boss.&quot; Your customers, investors, and employees are now your boss. The bottom line is your boss, too. Instead of answering to one boss, you now need to answer to many.</p> <h2>2. You Can Work Fewer Hours</h2> <p>While you can set your own schedule as a business owner, you will likely end up working a lot of hours overall to get everything done. In my startup days, I knew entrepreneurs who worked 100 hours per week, including lots of late nights and weekends. Starting a business is generally not a way to gain more free time.</p> <h2>3. Your Minions Will Take Care of the Details</h2> <p>The reality is that most small business owners wear a lot of hats and handle matters big and small to keep the business going, including things no one else wants to do. As the owner, you will get to work on lofty tasks such as business planning and strategy, but you will likely also clean the bathroom at first.</p> <h2>4. If You Build a Better Mousetrap, the World Will Beat a Path to Your Door</h2> <p>A common entrepreneurial myth is that you can invent something great and then sit back and watch people buy it. The reality is that you need to produce the right product at the right time for the right price in the right market channel to be able to watch people buy it. Even if you have an awesome product idea, it takes enormous work and resources to produce your product and bring it to market.</p> <h2>5. You Have More Control Over Your Income</h2> <p>As a business owner, I seemed to have little or no control over my income. I worked hard all the time trying to bring in income and win new business. Sometimes there was a lot of income, but sometimes there was none, despite my best efforts. My income ultimately depended on fickle customer decisions and economic forces beyond my control. Income for small business owners can be quite volatile.</p> <h2>6. Investors Will Throw Money at a Great Idea</h2> <p>I was disappointed after my first few pitches to potential investors. I imagined that I could simply summarize the potential market size, present my brilliant product concept, and walk out of the meeting with a briefcase full of money. The reality is that it is hard to find investors willing to risk their money in a startup business venture &mdash; even if you have a great business concept.</p> <h2>7. Determination Can Overcome Any Obstacle</h2> <p>Determination is perhaps the most important attribute you need to start a business, but you also need the right opportunity. Some people throw everything they have into starting a business venture that has almost zero chance of success due to limited market size, faulty assumptions, or other flaws. Persistence can get you started, but a viable opportunity is necessary to build a prosperous business.</p> <h2>8. By Taking Big Risks, You Set Yourself Up for Big Rewards</h2> <p>Another popular myth is that entrepreneurs reach success by trading risk for reward. The reality is that most entrepreneurs trade hard work and a good plan for a modest reward. Successful entrepreneurs reduce and manage risk well in order to avoid quick business failure. Taking big risks should be a last resort, not the primary plan.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/8-common-myths-about-starting-a-small-business">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-fund-your-new-business-without-borrowing-a-dime">4 Ways to Fund Your New Business Without Borrowing a Dime</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/self-employed-heres-how-to-get-your-apartment-application-approved">Self-Employed? Here&#039;s How to Get Your Apartment Application Approved</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-states-to-start-a-new-business-in">4 Best States to Start a New Business In</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-lessons-that-teach-your-kid-to-be-their-own-boss">5 Lessons That Teach Your Kid to Be Their Own Boss</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-signs-its-time-to-make-your-side-gig-your-career">6 Signs It&#039;s Time to Make Your Side Gig Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship investors jobs myths self employment small business owners startups work for yourself Thu, 02 Feb 2017 11:00:09 +0000 Dr Penny Pincher 1876848 at http://www.wisebread.com 8 Money Moments That Should Be On Everyone's Bucket List http://www.wisebread.com/8-money-moments-that-should-be-on-everyones-bucket-list <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-money-moments-that-should-be-on-everyones-bucket-list" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/money_happy_woman_161954601.jpg" alt="Woman celebrating money moments on her bucket list" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The big house. The fancy car. The 'round-the-world vacation. When you think of a bucket list, and mention money, it's easy to start daydreaming about things that cost a fortune.</p> <p>However, you don't have to have your head in the clouds to achieve a bucket list of money moments. Here are eight of the big ones. Many of them are already within your reach.</p> <h2>1. Becoming Debt Free</h2> <p>Let's start with the most obvious money moment we should all be striving for &mdash; <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal">eliminating our debt</a>. It's certainly not easy, and it's not something that can be done quickly. This requires careful planning, a lot of willpower, and the willingness to forgo the little luxuries we all like to have in our daily lives. But, it can be done.</p> <p>One way to do this is by <a href="http://www.wisebread.com/a-comprehensive-guide-to-the-debt-snowball-method-0" target="_blank">snowballing your debt</a>. You take the smallest debt you have, perhaps a store card or a loan, and you figure out a way to pay as much off that balance as you can each month. While you're doing this, you pay the minimum on your other debts. When that small debt has been paid off, you apply that to the next debt on your list, and just keep going. Eventually, you'll have everything paid off, including the car and the mortgage. What does &quot;eventually&quot; actually mean? It might be a few years, but if you stick to it, you'll achieve your goal.&nbsp;</p> <h2>2. Putting Work That You Love Ahead of Salary</h2> <p>All too often, we do work that doesn't really fulfill us, but gives us the money to pay the bills, save for a college fund, and go away on vacation every year. However, as we spend most of our lives working, it makes sense that the job should be one that really brings us happiness.</p> <p>By&nbsp;following some of the advice mentioned earlier, it is possible to put salary and benefits second to job satisfaction. And when you don't need the money, the job market looks very different. Suddenly, your options are wide open. If you love working with animals, you can leave the rat race to care for dogs and cats. If you love working with children, or the elderly, you can find careers in those fields. They don't pay as much, but the rewards to your soul are much greater.</p> <h2>3. Building a Solid Emergency Fund</h2> <p>Some 50 years ago, you could start a job at a company in your youth, and with hard work and dedication, retire from that same company 40 years later. That time has passed. These days, corporations are constantly looking for ways to cut costs and give greater value to their shareholders. That means mergers, streamlining, and of course, layoffs.</p> <p>When the worst happens (and it will probably happen more than once in your lifetime), you need to be adequately prepared. Experts say your emergency fund should have three to six months' living expenses in it. Some say more, especially when the economy tanks and jobs are scarce.</p> <p>How do you do that, especially when you're trying to pay down debt? You need to first set a target &mdash; how much will be in the fund? Then, you need to take advantage of great interest rates, low or no-fee accounts, and apps like <a href="https://www.acorns.com/" target="_blank">Acorns</a> that invest the change from every transaction. Put a dedicated amount to one side each month, and stick to it. If that means no eating out, or no trips to the cinema, so be it. Once your fund is established, you can loosen the reins a little.</p> <h2>4. Creating a Last Will and Testament</h2> <p>Very few people like the idea of creating a will. The whole idea of planning for a life that does not have you in it is morbid to say the least. But, it's essential, especially if you have family and have specific ideas about who gets your possessions.</p> <p>With a will, you can ensure that your last wishes are met. You can name an executor, who will take on the task of wrapping up your affairs. You can be very specific about who gets what, and how it is all divided. You can name a guardian for your children and pets, and a property manager. This is all very important. If you do die without a will in place, it can lead to a lot of infighting and malice. And in some cases, it can split families apart. The state will decide how to distribute your belongings, and it will not be done with the delicacy or care that you would like.</p> <h2>5. Earning Passive Income</h2> <p>Passive income is a way to earn money using little-to-no effort, usually from a business or venture you have set up yourself. Examples of passive income include earnings from rental properties, royalties from intellectual property (books, songs, software, etc.), investment portfolios, renting out tools and equipment, and even interest from lottery winnings. The latter is not something you have much control over, but everything else is achievable.</p> <p>Look for ideas on ways to <a href="http://www.wisebread.com/15-ways-to-make-money-outside-your-day-job" target="_blank">make lucrative money on the side</a> without the need for a lot of regular work. It may take some serious elbow grease on the front end, but once that's established, you can sit back and watch the money come rolling in.</p> <h2>6. Buying Something Big With Cold, Hard Cash</h2> <p>This one is certainly not as important as the money moments preceding it, but it's worth aiming for. When you can buy something big (a car, a house, a boat, an RV) with cash, you have so much more power to negotiate. And you will save a staggering amount of money because you are not paying compound interest.</p> <p>Let's look at a home. Cash buyers usually get a discount, and even if it's only 3%, that can mean $6,000 on a $200,000 home. So let's say the cash price is $194,000, versus the $200,000 mortgage price, and the mortgage buyer puts down 10%. Over 30 years at 4%, that $180,000 loan has become around $310,000! By paying cash up front, you are literally saving the cost of another smaller home. It's not easy, but once you pay off your debts, you can quickly accumulate income. With some savvy investing, you could one day feel the satisfaction of saying &quot;And how much if I pay cash&hellip; right now?&quot;</p> <h2>7. Negotiating a Higher Salary&nbsp;</h2> <p>Some people work hard, put in the hours, and accept the 3% raise they get each year, which&nbsp;barely covers the rising cost of living. Other people grab life by the throat, and get a bump in pay simply by asking for it. Before you do it, you'll need some good data on your side.</p> <p>First, look at the position you are in on Salary.com and Glassdoor. What are people being paid at other companies in your area? Are you earning a competitive salary, or are you underpaid? (If you're overpaid, you may want to hold off on asking for even more&hellip;that could backfire).</p> <p>Next, assemble all the reasons that you believe you are owed more money. Did you save the company a lot of money? Did you bring in new accounts? Did you work 70-hour weeks all year long? Just like buying a car, you want to do your homework. Then, call a meeting with the boss, and lay it all on the line, politely but assertively.</p> <h2>8. No Longer Living Paycheck to Paycheck&nbsp;</h2> <p>The number of people living paycheck-to-paycheck in America may surprise you. It's not one in four, or even half of us. No. Three out of every four Americans are <a href="http://money.cnn.com/2013/06/24/pf/emergency-savings/index.html" target="_blank">struggling to make ends meet</a>.</p> <p>For many, it's a case of not being paid enough, or having crippling debt repayments. For others, it's more about bad budgeting and excessive spending. Whatever the reason, you should have a plan to get beyond living paycheck to paycheck. Have a big enough cushion in the bank to make life more comfortable. And, cut out the expenses that are dragging you down. With dedication, you could be&nbsp;one of those people who&nbsp;doesn't&nbsp;count the days to the next check going in the bank.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/8-money-moments-that-should-be-on-everyones-bucket-list">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-financial-gifts-to-give-yourself-this-holiday-season">13 Financial Gifts to Give Yourself This Holiday Season</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-mental-habits-that-make-the-rich-richer">5 Mental Habits That Make the Rich Richer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-golden-rules-of-personal-finance-everyone-should-know">10 Golden Rules of Personal Finance Everyone Should Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bucket lists cash debt free emergency funds estate planning goals jobs passive income salary saving money Mon, 02 Jan 2017 10:00:07 +0000 Paul Michael 1865345 at http://www.wisebread.com 7 Ways to Make Money During a Semester Abroad http://www.wisebread.com/7-ways-to-make-money-during-a-semester-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-make-money-during-a-semester-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student_study_abroad_547198588.jpg" alt="Students making money while studying abroad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Studying abroad offers college students the chance to explore the world, learn more about different cultures, and meet people from a variety of backgrounds. But studying abroad can be expensive. The average <a href="http://www.foxbusiness.com/features/2013/06/14/thinking-studying-abroad-it-not-all-about-cost.html">cost for a semester abroad</a> was $17,785 during the 2012&ndash;2013 school year, and costs have no doubt increased since then.</p> <p>So how can a college student on a budget afford to study abroad and enjoy all of the food, travel, and experiences available to them?</p> <p>Thankfully, there are plenty of working opportunities available to American students studying abroad.</p> <h2>1. Teaching English</h2> <p>American students studying in a country where English is not the official language have a built-in job opportunity. There is demand for native speaking English teachers all over the world, and the average college student is in a great position to take a part-time job teaching English as a foreign language. You can pursue this informally by chatting with your local classmates or professors at the university to find one-on-one students, or you can pursue more traditional teaching positions through your study abroad program or your university.</p> <p>This option is especially beneficial to any students who hope to have a career in education. My experience volunteering at a French primary school when I studied abroad was a big factor in my favor when I went to graduate school for a Master's degree in education.</p> <h2>2. Translation Work</h2> <p>If you are relatively fluent in your host country's official language, working as a translator can be a great way to make money and practice your foreign language skills. Typically, translators will translate into their native tongue, which means you can offer successful translation services even if you are not completely fluent in your adopted language.</p> <p>For many students, simply posting some fliers around campus offering your translation services can net you plenty of clients.</p> <h2>3. On-Campus Jobs</h2> <p>Just like American universities, many international schools offer work-study jobs for students, including those who are visiting from other countries. Stop by the work-study office at your university, or ask some of your local classmates if they know of opportunities for on-campus jobs.</p> <h2>4. Guiding Tours</h2> <p>No matter where you are studying, it's likely that it is a destination for English-speaking tourists. Contact local tourism boards to find out if there is a need for English-speaking tour guides. This will give you an excellent way to learn the intricacies of your adopted home while earning a little cash.</p> <p>You can also rely on your other expertise to land a tour guide job. For instance, an art history major might find a job as a docent in a museum, while a future architect might be able to get a job leading groups on tours of architecturally significant buildings.</p> <h2>5. Bartending or Working in a Coffee Shop</h2> <p>For students who wish to completely immerse themselves in their new home, working as a bartender or a barista in a cafe can be an excellent way to earn money while also meeting a variety of people and practicing your language or cultural skills.</p> <p>To land a serving job, stroll through the popular areas of town and chat with managers of bars, restaurants, and coffee shops. Bring your resume and evidence that your visa allows you to work legally.</p> <h2>6. Work at a Tourist Hostel</h2> <p>Hostels are an inexpensive place for tourists to stay, and they can be an excellent workplace for a visiting student. Like hotels, hostels are open round-the-clock, and so they need workers for every shift. If you are fluent in a common language (including English!), the hostel's management might need you to work at the front desk. Hostels have guests from all over the world, and a front desk attendant who can speak multiple languages is a boon.</p> <p>In addition to front desk work, you might also take a job in housekeeping or the kitchen. While the work may not be glamorous, it will offer you an opportunity to earn money and learn more about your adopted country.</p> <h2>7. Write for Travel Sites</h2> <p>You're probably already keeping a journal or diary of your time abroad &mdash; why not get paid for it? There are a number of travel sites and other publications that are always looking for well-written pieces on travel destinations. And don't assume that your writing will only find a home in a travel-specific website. There are often <a href="https://thewritelife.com/31-travel-magazines-and-websites-that-pay-freelance-writers/">regional publications or other sites</a> that would welcome your work.</p> <p>In addition, you could also start your own blog. No one is claiming that blogging is a quick way to make big bucks, but a student living abroad has plenty of stories to write about, and it's easy to place ads on your blog. Blogspot, WordPress, and Tumblr are all places you can easily start a blog that you can monetize. (See also: <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging?ref=seealso">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>Considerations for Student Workers Studying Abroad</h2> <p>It's not enough to just land your job while you're studying. You also need to be aware of the financial and logistical concerns of your work.</p> <p>In particular, make sure you have a visa that will allow you to work, even if you are working for cash. Also, remember that the currency exchange rate can affect just how far your money will go, especially if you are earning American money (as a blogger or freelancer might). Make sure you know how the conversion rate will affect your spending power, and know the costs of exchanging money when you withdraw money locally from your American bank.</p> <p>Finally, there is some good news for any student working for a foreign employer: You will owe no U.S. taxes on anything you earn <a href="https://www.irs.gov/publications/p54/ch04.html">under $101,300</a> as of 2016. You still have to pay local taxes on your wages, but Uncle Sam will let you keep all that is left.</p> <h2>Working and Studying Abroad</h2> <p>In general, the most valuable experiences you will have during your time abroad will happen outside of the classroom. Finding a way to earn money while you study is not only a savvy financial move, but it will also add depth and richness to your time in another country.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/7-ways-to-make-money-during-a-semester-abroad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-get-paid-to-learn">6 Ways to Get Paid to Learn</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-freshman-shopping-tips-to-cut-college-costs">9 Freshman Shopping Tips to Cut College Costs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-things-financial-aid-might-not-cover">6 Things Financial Aid Might Not Cover</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-students-should-make-during-a-gap-year">8 Money Moves Students Should Make During a Gap Year</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Extra Income college English international travel jobs language skills side jobs students study abroad teaching tourism writing Wed, 28 Dec 2016 10:30:23 +0000 Emily Guy Birken 1863677 at http://www.wisebread.com 7 Financial Reasons 2016 Needs to Be Over ASAP http://www.wisebread.com/7-financial-reasons-2016-needs-to-be-over-asap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-financial-reasons-2016-needs-to-be-over-asap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2016_money_78468345.jpg" alt="Why 2016 needs to be over ASAP" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The year is winding down, and for many of us, it can't end soon enough. From a financial standpoint, 2016 was a mixed bag, at best. Of course, there's no guarantee that next year will be markedly better. But here are a bunch of financial reasons why we're ready to put up a new calendar.</p> <h2>1. Poor Economic Growth</h2> <p>For most of the time after World War II, Americans could count on a growing economy, usually to the tune of at least 3%, and often significantly higher. These days, the gross domestic product (GDP) of the United States is stuck on a slower growth path. While the economy did have a good third quarter, it's likely that growth for the year will be under 3% because of a dismal first half of the year. It's better than being in a recession, but this slower growth could have big implications on incomes, investment returns, and Americans' overall quality of life over time.</p> <h2>2. Mediocre Investment Returns</h2> <p>So far in 2016, the S&amp;P 500 has increased in value by a little over 7%. That's not bad, but many investors were hoping for a bigger jump after an increase of less than 2% in 2015. In the post World War II period, there have been only about a dozen instances when investment returns didn't average at least 5% annually over a two-year period. This will be the eighth consecutive year of positive market returns, and that's a good thing. But the last couple of years have fallen into the &quot;good, not great&quot; category, and that may force a lot of people to adjust their overall retirement projections downward.</p> <h2>3. Fewer People Working</h2> <p>America's unemployment rate is 4.9%, and that's historically quite low. So good news, right? Well, any excitement over that number is tempered by the fact that overall participation in the labor force is at one of its lowest points in the last 50 years. About 63 million people are considered part of the civilian workforce, but that's down from 67 million 15 years ago. The unemployment rate does not consider people who have voluntarily left the workforce or have been out of work for a very long time.</p> <p>There are a variety of reasons why fewer Americans are working, and not all of them are bad. An aging population means more people are retiring. More people are pursuing advanced education. The Affordable Care Act has made it easier for some people to get health insurance without the need to get it through an employer. People who choose to be out of the workforce for too long may lose skills that will make them more employable later. And a declining workforce also has a negative impact on household incomes, consumer spending, and, ultimately, economic growth.</p> <h2>4. Paltry Interest Returns</h2> <p>We've been in an ultralow interest environment for years now. Many of us have benefitted from the low cost of borrowing, but this also means that our savings accounts aren't generating much return. This is bad for anyone starting out saving and for older retirees who rely on interest income. It's also generally a sign from the Federal Reserve that the economy still needs some propping up. Low interest rates can be helpful to us in some respects, but most economists yearn for a time when rates weren't hovering near zero.</p> <h2>5. Flat Wages</h2> <p>Did you get a raise in 2016? If not, you're probably not alone. Real wage growth has been basically flat for years, and this year has been no exception. The U.S. Department of Labor reports that real average weekly earnings rose just 1% in September compared to the same month a year ago. The average worker earns just 11 cents per hour more than this same time last year, when you factor in inflation. This stubborn wage stagnation has a negative impact on the middle class, especially when you consider things like the rising cost of education. Will 2017 be better?</p> <h2>6. Brexit Reax</h2> <p>The world pretty much freaked out over the summer when people in the United Kingdom voted to have their country leave the European Union. It was a result that many believed could not happen, and sent stock markets around the globe tumbling. The British Pound lost a good chunk of its value, and overall uncertainty of what happens next has led to a drag on the economy and England and Europe as a whole.</p> <h2>7. Fumbling Phone Makers</h2> <p>In recent years, companies that make smartphones and other digital devices have been huge drivers of the stock market and the economy. Apple and Samsung certainly come to mind. But in 2016, it was a lot of bad news and disappointment.</p> <p>Samsung was forced to recall and stop production on its Galaxy Note 7, after reports that the phones were catching fire. This news virtually wiped out all of the company's profits for the third quarter of 2016.</p> <p>Meanwhile, Samsung's top competitor, Apple, hasn't exactly taken advantage. The company sold 45 million of its popular iPhone in the most recent quarter, compared to 48 million in the same period last year. And reviews of the newest iPhone 7 have been tepid. Shares of the company are up about 8% this year, which is solid growth but less than what we've come to expect from the tech behemoth. There is hope for 2017, however, as Apple says it will spend a whopping $16 billion on capital expenditures next year.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/7-financial-reasons-2016-needs-to-be-over-asap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-money-goals-you-can-still-reach-by-2017">13 Money Goals You Can Still Reach by 2017</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-the-election-could-impact-your-wallet">Here&#039;s How the Election Could Impact Your Wallet</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/suze-orman-tells-us-to-pay-only-the-minimum-on-credit-cards-wait-what">Suze Orman Tells Us To Pay ONLY The Minimum On Credit Cards. Wait, What?!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beware-these-5-important-tax-changes-for-2017">Beware These 5 Important Tax Changes for 2017</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/want-your-investments-to-do-better-stop-watching-the-news">Want Your Investments to Do Better? Stop Watching the News</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance 2016 2017 Economy employment finances jobs New Year news stock market wages Tue, 08 Nov 2016 09:00:09 +0000 Tim Lemke 1828890 at http://www.wisebread.com 9 Great Jobs for Snowbirds http://www.wisebread.com/9-great-jobs-for-snowbirds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-great-jobs-for-snowbirds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93221921_LARGE.jpg" alt="great jobs for snowbirds" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Planning to hit the skies this winter and fly south? That's probably not a bad idea, considering that the trusty Farmer's Almanac says Old Man Winter plans to unleash an exceptionally cold and wet one. But between posting photos of palm trees and swimming pools to Facebook so your friends can curse the day you were born, you may need to pick up some work to pay the tab for such luxury. What kind of seasonal gigs can you get <a href="http://www.wisebread.com/6-luxe-travel-destinations-that-are-cheaper-in-winter">this winter</a>? Take a look and start setting yourself up for success today.</p> <h2>1. Telecommute From Your Existing Job</h2> <p>Not everybody has the good fortune of being able to work from home, but if you work for a company that allows telecommuting, or you're an entrepreneur with mobility, take advantage of it. Earlier this year, I left my home in New York to spend a month dodging the cold in sunny, warm Los Angeles. It was just what I needed to recharge my winter-worn body and soul, and I returned home mid-spring excited and reinvigorated.</p> <h2>2. Pick Up Odd Jobs Around Town</h2> <p>There are plenty of ways to pick up odd jobs around the town you're visiting, especially if you're particularly skilled in a certain discipline. On Craigslist, for instance, you can find a decent amount of handyman jobs and other around-the-house work. In college, I used to help elderly folks around their homes, like weeding and planting in their gardens, and it was quite rewarding. If you're not as good with your hands, however, try picking up gigs as a freelancer. There are<a href="https://www.freshbooks.com/blog/freelance-jobs"> more than 70 sites from which to choose</a>, ranging from generic, all-job types to more focused disciplines including: writing, photography, and design.</p> <h2>3. Become a Personal Taxi Service</h2> <p>I started driving for Lyft and Uber a couple months ago &mdash; signing into the apps occasionally when I have the extra time &mdash; and I've made well over $1,000 already. If you've brought your personal vehicle with you to your winter escape, consider this option. It's been a great way for me to make extra cash, but I also enjoy interacting with my riders and learning a little about their lives during the ride.</p> <p><strong>Pro tip</strong>: Offer candy &mdash; I use Starbursts and Dum-Dums &mdash; and small bottles of water to your riders for free. Everyone who gets in my car is instantly happier when they see the candy, and as a result, they leave an excellent review and a tip (the latter of which isn't required on these services) more often than not.</p> <h2>4. Offer to Watch People's Pets</h2> <p>Last winter, I signed up for DogVacay (Rover.com is another <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">pet-sitting site</a> that I can recommend) to make extra cash while I was working from home around the holidays or when it was too cold for me to go to my office. I've met so many awesome pets and pet parents using these services, I've put more than $500 in my bank account, and there's not a whole lot to it. All you have to do is make sure the pet is comfortable while their parent is away with lots of love and snuggles in between food and bathroom breaks. If you're snowbirding in a rental, you should check with the owners before you sign up, but for animal lovers, this is a great gig.</p> <h2>5. Apply for Seasonal Retail Work</h2> <p>Every mall in America needs extra hands on deck during the holiday season &mdash; and if you're a pro at customer service, pop into stores at which you think you'll enjoy working and inquire about opportunities. Don't limit yourself to the mall though. Lots of local businesses and stand-alone chains need additional help through the holidays and sometimes beyond, and you may be able to land a gig super close to home by broadening your search.</p> <h2>6. Wait Tables at a Local Restaurant</h2> <p>Like retailers, restaurants also often require additional staffing during the holidays to accommodate heavier traffic. You may not get prime hours, or even a spot on the floor if you don't have previous restaurant experience, but there may be a place for you behind the scenes or even as a host.</p> <h2>7. Investigate Substitute Teaching</h2> <p>Have a certified teaching certificate? Visit your local school district to identify opportunities that will put you in a classroom for a daily wage. Since requirements for substitute teachers vary from state-to-state, check out this guide on&nbsp;<a href="http://www.teacher.org/career/substitute-teacher/">How to Become a Substitute Teacher</a>.</p> <h2>8. Keep the Peace as a Part-Time Security Guard</h2> <p>Some states that have temperate weather year-round also play host to Major League Baseball training camps, and there are job opportunities at these small stadiums &mdash; like manning the concession stand or providing security. As a baseball fan, I couldn't pass up the chance for seasonal work in the southern states. You can also apply to become a security guard for apartment complexes, malls, or other public areas.</p> <h2>9. Look Into Opportunities at a Local Resort</h2> <p>Chances are, there are several resorts wherever you're heading for the winter, and just about the same time you plan to arrive is when they're in need for additional staff. There are lots of different types of jobs available at these resorts, including: front desk, night auditing, maid services, kitchen work, and more. If you happen to be close to an amusement park, you might even have a chance to walk around greeting guests at a costumed character, making you the hero of all your friends' children and grandchildren back home.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F9-great-jobs-for-snowbirds&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%20Great%20Jobs%20for%20Snowbirds.jpg&amp;description=9%20Great%20Jobs%20for%20Snowbirds" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/9%20Great%20Jobs%20for%20Snowbirds.jpg" alt="9 Great Jobs for Snowbirds" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/9-great-jobs-for-snowbirds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true">11 Signs the Job Is Too Good to Be True</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Lifestyle Travel job search jobs snow snowbirds telecommute winter work-from-home Tue, 18 Oct 2016 10:00:10 +0000 Mikey Rox 1815055 at http://www.wisebread.com Millennial Millionaires: How the Brokest Generation Can Also Become the Richest http://www.wisebread.com/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_holding_cash_73068135.jpg" alt="Man part of brokest generation becoming the richest" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Recently, Wells Fargo and GfK surveyed 1,005 employed Millennials. The majority (64%) of Millennials polled said that they don't believe they will ever accumulate $1 million during their lifetimes. Furthermore, many also said they had not started saving for retirement and were feeling overwhelmed with student debt.</p> <p>Getting your finances on track in your 20s and after college is hard, but any Millennial can become a millionaire in their lifetime with the right steps.</p> <h2>Start Saving for Retirement</h2> <p>The number one way to become a millionaire in your lifetime is to invest in your retirement early and often. Don't keep putting it off, because youth means you have the power of compound interest on your side. It will take you less effort to save money now than it will take you when you try to play catch up 10 or more years later.</p> <p>Don't even worry if you aren't at your dream position quite yet. Take advantage of your company's 401K contribution match. If your company doesn't offer a retirement fund or you are self-employed, there are still many options for you.</p> <p>See also: <a href="http://www.wisebread.com/which-retirement-account-is-right-for-you?ref=seealso">Which Retirement Account Is Right for You?</a></p> <p>If you are currently saving 0% toward your retirement, then start with 3 percent. Saving 3 percent of your income is quite painless. Increase this percentage frequently until you are contributing 15% of your income to retirement.</p> <p>While this might seem like a daunting task when you are living paycheck to paycheck, it <em>can</em> be done. Having your retirement investments taken out before payday forces you to adjust to living with a smaller budget, and you also get the bonus of a nice tax break.</p> <h2>Shift Your Way of Thinking</h2> <p>If you spend trying to impress others, you will never have a bank account that actually impresses others. Live below your means and be realistic with what you really need.</p> <p>Remember that the way you live right after college is not a forever thing if you are frugal. When you are unmarried and without children, it is easier to share a living space or live on a bare-bones budget to optimize your savings. Live as frugally as possible now so that you can enjoy living when you are in your next season of life.</p> <p>See also: <a href="http://www.wisebread.com/the-frugal-living-commencement-speech-id-give-to-my-younger-self?ref=seealso">The Frugal Living Commencement Speech I'd Give to My Younger Self</a></p> <h2>Tackle Debt From All Angles</h2> <p>In the survey, 34% of Millennials reported an average of $19,978 of debt. Of those with student loan debt, 75% described their debt load as unmanageable. Don't carry your debt with you, allowing it to drag along like a burdensome weight.</p> <p>Instead, find ways to tackle your debt from many different angles. Here are just a few solutions:</p> <ul> <li>Enroll in programs that <a href="http://www.wisebread.com/5-careers-that-offer-student-loan-forgiveness">forgive student loan debt</a>.</li> <li>Start aside business and <a href="http://www.wisebread.com/this-recent-grad-paid-off-34k-in-sudent-loans-and-launched-a-business-in-just-4-years">funnel earnings to debt</a>.</li> <li>Use a&nbsp;<a href="http://www.wisebread.com/8-surprising-ways-to-pay-off-your-student-loans">0% credit card</a> for a part of the debt.</li> <li>Look into<a href="http://www.wisebread.com/what-s-the-difference-between-student-loan-refinancing-and-consolidation">consolidation and refinancing</a>.</li> <li>Earmark every extra dollar to your debt, including birthday money and tax refunds.</li> </ul> <p>The faster you can pay off your debt, the freer you will feel financially.</p> <h2>Earn Experience &mdash; Not Degrees</h2> <p>Degrees are certainly valuable and necessary in many fields, but in some, the pay difference is not that drastic. Instead, focus on growing your experience and career path each year. Take advantage of company-paid training and develop your skills. Then, start planning for more senior, better-compensated roles by asking people in your dream job how they got there. The road to success may not be paved with gold, but there may be a pot of gold at the end of it for those who plan carefully and work intelligently.</p> <p><em>Do you think you will reach a million dollars in your lifetime?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-millennial-money-habits-every-retiree-should-learn">6 Millennial Money Habits Every Retiree Should Learn</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-before-moving-out-on-your-own">5 Money Moves to Make Before Moving Out on Your Own</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/reach-your-money-goals-faster-with-a-simple-naming-trick">Reach Your Money Goals Faster With a Simple Naming Trick</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance debt degrees education jobs millennials millionaires retirement saving money Tue, 06 Sep 2016 10:30:07 +0000 Ashley Eneriz 1785280 at http://www.wisebread.com 18 Cool Jobs for Fashion Lovers http://www.wisebread.com/18-cool-jobs-for-fashion-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/18-cool-jobs-for-fashion-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_fashion_jewelry_90987693.jpg" alt="Woman finding cool jobs for fashion lovers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When most people think about a career in fashion, they think only of being a designer or a model. Fashion, like any creative industry, is hugely competitive. Luckily, for fashionistas and garmentos, there are many different jobs in fashion to fit a variety of personalities and skill sets.</p> <p>It's important to note that while the glamorous fashion jobs like designing and modeling get all the press, it's only the very top tier of those people who actually make money. It's much easier to make a decent living on the business side of fashion. (See also: <a href="http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career?ref=seealso">6 Job Perks That Can Lead to a Dream Career</a>)</p> <p>Here's a list of fashion jobs that may or may not involve sewing.</p> <h2>1. Buyer</h2> <p>Fashion buyers are responsible for keeping the sales floor stocked with clothes and accessories that will sell. Although it sounds like a fun shopping gig, buying is high-stakes, speculative work. Buyers have to anticipate what customers want before they even know they want it. This means that buyers have to place orders for their winter inventory in the dead heat of summer and hope that the customers, and the weather, will line up in time for Thanksgiving.</p> <p>In addition to deciding which trends will be big three months from now, buyers work with suppliers to translate the high-fashion styles that are shown on the runway into affordable and wearable clothes that can be mass-produced for their customers.</p> <p>While it's true that buyers are <a href="https://en.wikipedia.org/wiki/Coolhunting">professional coolhunters</a>, they are also expert data analysts. The mark of a successful fashion buyer is not objective good taste; it's the sell-through rate of their inventory. Fashion buyers must work with the sales force, study sales records, and maintain a detailed purchase database to make sure that their store or department always has a high percentage of product that will sell at full price.</p> <h2>2. Costume Designer</h2> <p>Costume designers create the personal style of every character and provide a key element to the overall look of films, television shows, plays, and operas. Depending on the budget, time period, and complexity of a project, costume designers might make every article of clothing from scratch, or they might assemble the wardrobe from existing garments they have purchased or rented.</p> <p>To quote Judith Bowden: &quot;The <a href="http://artsalive.ca/collections/costumes/designer_role.php?page=1&amp;lang=en">main job of costume design</a> in a production is to provide physical and emotional support to every actor through the clothing he or she will wear to enhance characterization. The design must provide strong visual support for the story, concept, and context of the play as a whole. It is my role to ensure that the costumes reflect the visual style of the production and help actors portray their characters on their journey through the play's action.&quot;</p> <p>The best costume designers are obsessive researchers of history, and not just the history of fashion. When it comes to characters, clothes really do make the man. Costuming can be storytelling. It can show the audience everything about the external life experience of a character, as well as reveal his secret, interior world.</p> <h2>3. Design Assistant</h2> <p>Design assistants are the worker bees of every <em>atelier</em>. Fashion designers are responsible for the creative vision of a brand, but design assistants can be called upon to be responsible for everything else. This job can include sewing garments, making patterns, fitting models, sourcing fabrics, tracking samples, supervising production workers, going to trade shows, coordinating schedules, and managing the studio.</p> <p>Assisting is not all schlepping. In fact, it's often an important career steppingstone. Immediately after Alexander McQueen's death, Sarah Burton, his longtime assistant, was <a href="http://www.nytimes.com/2014/08/22/t-magazine/alexander-mcqueen-sarah-burton-interview.html?_r=0">named the new creative director</a> of his fashion house.</p> <h2>4. Editorial Assistant</h2> <p>If you've watched <em>The Devil Wears Prada</em>, you've seen the G-rated version of this job. If you're lucky, you will get incredible hands-on experience learning how to produce a fashion magazine from start to finish. But, if the job were easy, everyone would do it. Editorial assistants have to be super organized, enjoy scheduling like it's a hobby, and have the stamina to constantly work long hours to meet deadlines. Also, you have to communicate well in person and on paper, and be a grammar nerd.</p> <h2>5. Fashion Journalist</h2> <p>Fashion journalists are writers who cover the fashion industry. While fashion journalism used to be a super-VIP club of well-connected it-girls, young writers can now break into high-profile magazine and blogging work based entirely on their fresh fashion criticism. If <a href="http://www.thestylerookie.com/">Tavi Gevinson</a> can cover New York Fashion Week as a 12-year-old, what's your excuse?</p> <h2>6. Fashion Publicist</h2> <p>Publicists are responsible for maintaining a brand's image. They build relationships with editors, journalists, influencers, and celebrities to make sure that their client stays in the public eye. To that end, publicists are one part crisis management, one part cruise director. They are the keeper of the guest list for publicity events, the maker of the all-important seating charts for fashion shows, the issuer of news releases, and the procurer of swag bags and gift baskets. More importantly, publicists are tasked with getting their brands the most press for the money. Publicists do this by convincing actors to wear their client's clothes on and off the red carpet, by working with product placement companies to get their brand featured in films and TV shows, and of course introducing their designer to style influencers who will talk up the brand to the public in magazines, blogs, and TV appearances.</p> <h2>7. Fit Model</h2> <p>If you have the right measurements, you can work as a <a href="https://www.businessoffashion.com/articles/intelligence/from-mannequin-to-muse-being-a-fashion-fitting-model">fit model</a>. Fit models are literally human mannequins for clothing manufacturers. Before putting a garment into production, a designer will use a fit model to ensure that the piece will be flattering and wearable by actual humans with similar proportions.</p> <p>Fit models are chosen for their specific measurements, but this doesn't mean that they are just Barbie dolls in the flesh. Designers depend on fit models to tell them if a garment is uncomfortable and to demonstrate how the garment moves on the body.</p> <p>Perk of the job: free clothes. Downside of the job: human pincushion.</p> <h2>8. Hair Stylist</h2> <p>If I could switch lives with one of my friends, I would switch with my friend Eric because he gets to travel constantly for a creative job that he loves. A scion of a hairdressing family, Eric started styling hair professionally as a teenager. He decided early on that he didn't want to cut hair in a salon, and instead, do editorial work exclusively. Foregoing the stability of salon work to hustle for freelance magazine jobs was a risky financial move, but it paid off handily. Eric works with the best photographers, models, and editors on the planet. (If you have seen the Sports Illustrated Swimsuit Issue, then you have seen Eric's work).</p> <p>Hair stylists are part of the creative team who create the mood or storyline in advertisements, fashion shows, and editorial content. Don't believe me? Try and imagine what the Victoria's Secret catalog would look like without the models' sexy hair. You can't. The angels' hair is part of the brand's narrative.</p> <p>Hair stylists who want to work in editorial have to be extremely self-motivated and flexible. It's a freelance job that can require traveling for work at a moment's notice.</p> <h2>9. Makeup Artist</h2> <p>As with hair stylists, fashion and media makeup artists work with designers and editors to create a cohesive look for a brand or story. Although editorial makeup is usually the supporting character to the star clothing, occasionally makeup becomes the featured look of a season or part of a brand's permanent identity. For example, most people will never be able to afford a Chanel jacket, but, for the past two decades, legions of budget fashionistas have paid homage to the fashion house by wearing Chanel's iconic <a href="http://nymag.com/thecut/2015/11/calling-all-chanel-vamp-fans-chanel-vamp-collection.html">Vamp nail polish</a>.</p> <h2>10. Patternmaker</h2> <p>Do you love jigsaw puzzles? Are you a perfectionist? <a href="https://www.fitnyc.edu/ccps/certificate-programs/credit/patternmaking.php">Patternmakers are the magical elves</a> who can take a 2D design concept and translate it into a blueprint for a 3D garment. Patternmakers are a critical part of the production process. The ideal pattern is a clearly drawn document that sewers can easily follow without wasting time or fabric. A poorly drafted pattern can cost a company millions of dollars by not only slowing down the production line and squandering materials, but by being a dud on the sales floor. Mismatched patterns, bad button placement, and gaping pockets are all <a href="http://www.wisebread.com/9-qualities-to-look-for-in-well-made-clothing">problems on finished garments</a> that should have been resolved in the pattern-making process.</p> <h2>11. Production Manager</h2> <p>Production managers are the logisticians of the fashion world. They oversee the physical manufacturing process of textiles and clothing. Production managers work with suppliers and stores to ensure a quality finished product. In addition to being in charge of quality control, they supervise the supply chain and the workflow. It is their job to ensure that the clothes are made on schedule, on budget, and under ethical labor standards.</p> <p>Production management is a high-pressure, technical job within a creative industry. Since production managers are the ones responsible for fixing production issues, they have to be IT troubleshooters, have excellent people skills, and be wizards at budgeting and scheduling.</p> <h2>12. Retail Sales Clerk</h2> <p>Although many people see retail work as a minimum wage, summer job for teen mallrats, retail sales can be a lucrative and fun career. When I worked at Nordstrom, I knew clerks in Men's Suiting who turned down promotions to management positions because it would mean taking a pay cut. In high-end stores, it is possible for a sales associates to make six-figure salaries working on commission. However, the threshold you have to meet to keep those top jobs is high. For example, in the early '90s I had to sell $60,000 in merchandise per month to keep my job in a sought-after department at Nordstrom. While I would argue that high-end retail is one of the best jobs a person can get without a college degree, it's not a job for dummies. Many top shops like Chanel and Prada have language requirements: you have to be bilingual in Spanish, Chinese, Japanese, Arabic, or Russian to be considered employable.</p> <h2>13. Retail Store Manager</h2> <p>If your dream is to one day open your own store, you should learn the ropes on someone else's dime. Managing a store will not only give you on the job training on how to set up and run your own shop, it will also give you an overview of the fashion industry.</p> <p>Great managers will not only be able to tell you what sells and why, they will also be able to tell you how to increase sales. When I worked in active wear, my manager noticed that a lot of our customers were elderly or had mobility issues. They weren't buying tracksuits for working out; they were buying them for comfort. When she rearranged the racks on the sales floor to improve wheelchair access, our sales went up by 10%.</p> <p>Many corporate chains will groom and promote their best managers to executive and buyer jobs within the company, but beware! While this job can be the first step in an amazing business career in fashion, at many companies wage theft is baked into the store manager job description.</p> <h2>14. Street Photographer</h2> <p>Scott Schuman is the Cinderella of fashion photography. Schuman started out on the business side of fashion before accidentally becoming the darling of street fashion. Eleven years after taking his first photography class, Schuman's blog, <a href="http://www.thesartorialist.com/">The Sartorialist</a> is hugely influential, and Schuman has become one of the best-known fashion photographers on the planet.</p> <p>Although his critics love to complain that Schuman was already a fashion insider before he took up photography as a hobby, there are many people who have similar business connections, but not his gimlet eye. Due to the success of first generation street fashion photographers, a blog as a personal portfolio is now a viable way for emerging artists to catch the eye of potential employers.</p> <h2>15. Stylist</h2> <p>Stylists like <a href="http://thezoereport.com/">Rachel Zoe</a> have made their name dressing celebrities for the red carpet, but her job entails so much more than acting as wardrobe guru to the rich and famous. To quote stylist extraordinaire, Sally Lyndley: &quot;Stylists work with creative teams including photographers, design teams, or art directors to create a vision for an image or a brand. At the same time, we also face the <a href="http://fashionista.com/2010/08/sallys-styling-seminary-the-lineage-of-styling">challenge of making the clothes look awesome</a> (regardless of their quality).&quot;</p> <h2>16. Social Media Assistant</h2> <p>The fashion industry has always been linked to images and marketing, so it makes sense that everyone in the fashion industry, from the most established fashion houses to upstart designers, understand that social media is a powerful advertising tool. If you are good at curating photos and charming in 140 characters, the job of social media assistant is a great way to get your foot in the door.</p> <p>Since traditional print campaigns can cost hundreds of thousands of dollars, it used to be easier to overlook brands that lacked the advertising budget. Because social networking platforms have a global reach, it's now possible for even the smallest companies to sell to a huge number of customers. Research shows that if you follow a brand on Instagram, you are 53% more likely to shop with them.</p> <p>Inventive social media campaigns have recently started getting the praise they deserve (and book deals for the social media smarties). For example, it has recently been pointed out by feminist publications like Bustle and Jezebel, that <a href="https://www.instagram.com/mccallpatterncompany/">McCall</a>, your mom's favorite sewing pattern company, is <a href="http://mccallspatternbehavior.tumblr.com/">killing it</a> on social media.</p> <h2>17. Textile Designer</h2> <p>Textile designers create the 2D repeating pattern for fabrics, carpeting, wallpaper, vinyl flooring, upholstery, and pretty much any other textile you can think of. Although this is a creative job, textile design is highly technical. Textile designers have in-depth knowledge about all aspects of the physical production of textiles: types of fibers, weaving looms, dyes, printing methods, and special processes such as stone washing.</p> <p>Although most textile designers work for large textile manufacturers, fashion designers will often employ textile designers to create custom fabrics for their fashion and home lines.</p> <h2>18. Visual Presentation</h2> <p>If you have ever been stopped dead in your tracks by a store window display, you've seen the power of visual merchandising. Great visual presentation is both aspirational and practical. For example, it's easy to see the target customer of Anthropologie through its <a href="https://www.behance.net/gallery/21175615/Anthropologie-Window-Display-Birds-of-a-Feather">store design</a>: affluent, Gen-X women who like to travel. The company isn't just selling clothes and home accessories; it's selling a lifestyle. But even the most <a href="http://tmagazine.blogs.nytimes.com/2010/11/01/tinsel-town-simon-doonans-very-foodie-windows/?_r=0">fantasy-driven store décor</a> must also be super-functional. If the customer can't see herself wearing the product, she won't buy it.</p> <p>Visual presentation is no longer just about store display. Museums, libraries, and other public spaces are now hiring visual merchandisers to design art installations to showcase their collections. This is a great job for creative night owls because all the magic happens when the store is closed. If you don't like burning the midnight glue gun, this job is not for you.</p> <p><em>Do you work in fashion? Please brag about (or complain about) your fabulous job in the comments section. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bodily-fluids-you-can-exchange-for-cash">5 Bodily Fluids You Can Exchange for Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting Style career extra income fashion fashion lovers gigs jobs side hustle style Mon, 29 Aug 2016 09:00:09 +0000 Max Wong 1780054 at http://www.wisebread.com The 7 Best Free Tools to Improve Your Work Performance http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-best-free-tools-to-improve-your-work-performance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_67204101_MEDIUM.jpg" alt="improving his work performance with these free tools" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With tight deadlines and heavy workloads, there are never enough hours in a day to get everything done. If you find yourself constantly pressed for time, your work performance can get impacted. Constant stress at work can cause mistakes and delays. But there are free tools that can help improve productivity, stay organized, and catch errors, and improve your output at work.</p> <p>See also: <a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster?ref=seealso">How to Make Your Sluggish Workday Go (a Lot) Faster</a></p> <h2>1. Reduce Typos With Grammarly</h2> <p><a href="http://grammarly.com/">Grammarly</a> is a free grammar checker, more powerful than the standard spell check tools in Word or Outlook. While you can use it to proofread your projects, you can also install the extension so that it will scan your blogs, social media posts, and emails for typos and errors and correct them &mdash; before you send them to your boss (or the public). Unlike other tools, Grammarly uses context clues to identify issues with misused words, such as if you typed &quot;manger&quot; instead of &quot;manager.&quot; It will also highlight grammatical errors, explaining the issues and how to fix them. If you have always struggled with past participles and direct objects, Grammarly is an easy way to get in-the-moment guidance. While there is a premium version that is more detailed, the free option is robust enough to help improve your daily communications.</p> <h2>2. Manage Your To-Do List With Wunderlist</h2> <p>Between work and your home life, juggling errands, tasks and shopping lists can be overwhelming. To-do list apps can help make things simpler. <a href="http://www.wunderlist.com">Wunderlist</a> is a powerful platform that lets you create and share lists, prioritize tasks, and set up reminders for deadlines or recurring projects. It is available on your phone or desktop, so it can be accessed any time, anywhere.</p> <h2>3. Take Notes on the Go With Evernote</h2> <p>If you're the type of person who depends on a notepad and a pen to take notes and stay organized, you know how frustrating it is if you have a great idea and don't have paper in front of you or if you forgot your notes at your desk. <a href="http://www.evernote.com">Evernote</a> is a solution that lets you take notes anywhere. Type reminders to yourself, take a picture of something that inspires you, or save a snapshot of whiteboard drawings to refer to later. The free plan offers 60 MB of storage and can help you manage various projects and long-term plans.</p> <h2>4. Produce Professional Graphics With Canva</h2> <p>Whether you're a social media manager or simply need to make professional looking graphics as part of your job, design software can be prohibitively expensive &mdash; the basic cloud-based version of InDesign alone can cost over $230 &mdash; and cumbersome for new users. <a href="http://www.canva.com">Canva</a> makes it easy to create polished images, even if you have no graphic design training. There are free templates, images, and elements that are fully customizable. Premium content, such as stock photos, can be added for just an additional $1. You can also upload your own images to use to create custom artwork.</p> <h2>5. Simplify Timesheets With Timely</h2> <p>If you need to track billable hours, you know how difficult it can be to manage and reconcile your timesheets. Unlike other tracking platforms, <a href="https://timelyapp.com/">Timely</a> allows you to track hours as you work but also provides a calendar so you can plan ahead. That way, you can compare time you actually spend on a project versus how much time you thought it would take, helping you budget your time more accurately.</p> <h2>6. Manage Emails With Boomerang</h2> <p><a href="http://www.boomeranggmail.com/">Boomerang</a> can completely change how you handle email and increase your productivity. It allows you to hide emails for a certain amount of time and schedule emails ahead of time. If you're one of those people who just can't ignore an email in your inbox, the hide feature can be useful in helping you focus on your tasks at hand. You can set reminders so that when you do need to address the email, it will flag it for you. By scheduling emails, you can write out notes as you think about them, but plan to send them the next morning or when a coworker is back from vacation, keeping it from getting lost in an overcrowded inbox (or you can make your boss think you work long into the night by scheduling emails at 2:00 a.m.). Boomerang also allows you to set up a follow-up feature, so if you have not received a response, it will notify you and ask if you'd like to send a reminder.</p> <h2>7. Automate Tasks With If This Then That</h2> <p><a href="https://ifttt.com/">If This Then That</a> (IFTTT) is a free service that allows to create &quot;recipes,&quot; or actions in response to specific triggers. For instance, you can set it up so that if someone tags you on Twitter, a private message to that user is automatically generated. Or, if you get a new follower on Facebook, ITTT can establish a recipe which saves a photo of that user for your archives. It can help you manage social media platforms around the clock &mdash; and a whole lot more.</p> <p><em>Do you use any free tools to help with work performance? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-essential-tools-for-getting-work-done-anywhere">7 Essential Tools for Getting Work Done -- Anywhere!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-simple-negotiating-trick-puts-money-in-your-pocket">This Simple Negotiating Trick Puts Money in Your Pocket</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-get-people-to-respond-to-your-email">15 Ways to Get People to Respond to Your Email</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-deal-when-youre-way-behind-at-work">6 Ways to Deal When You&#039;re Way Behind at Work</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-the-holiday-quiet-time-to-boost-your-career">How to Use the Holiday Quiet Time to Boost Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building Productivity apps free free tools jobs productivity tools work work performance Fri, 19 Aug 2016 10:30:15 +0000 Kat Tretina 1775077 at http://www.wisebread.com 9 High-Paying Jobs That Didn't Exist 10 Years Ago http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-high-paying-jobs-that-didnt-exist-10-years-ago" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_90052683_MEDIUM.jpg" alt="technology has created some great high-paying jobs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is your 9-to-5 job suffocating you? Tired of working a low-paying, high stress job? Have you been watching in horror as your industry slowly dies around you? Now might be the time to replace your dead-end job with a shiny, new, and potentially lucrative career.</p> <p>While you can certainly dive into a traditional career (doctor, lawyer, teacher), why not check out a newer job prospect? Over the last decade, advances in technology, changes in government policy, and shifts in social norms have gradually led to the birth of new careers. Here are nine jobs that didn't exist 10 years ago. (See also: <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead?ref=seealso">Escape Your Dying Industry With One of These 8 Careers, Instead</a>)</p> <h2>1. App Developer</h2> <p>In 2008, software developers created&nbsp;<a href="http://www.statista.com/statistics/263795/number-of-available-apps-in-the-apple-app-store/">800 applications for the Apple app store</a>. In less than 10 years, the number of apps available on the Apple App store has ballooned to 2,000,000. The popularity of applications created the need for a new specialization within the software development community: the app developer. App developers are responsible for developing, creating, and modifying the application software. In May of 2015, the Bureau of Labor Statistics (BLS) estimated that there were&nbsp;<a href="http://www.bls.gov/oes/current/oes151132.htm">747,730 app developer jobs</a>. And the mean hourly wage for the position is $49.12.</p> <h2>2. Data Scientist</h2> <p>Businesses utilize free store Wi-Fi and cameras to track customer movements, information received from credit card purchases, and mobile payments to delve into <a href="http://onlinemasters.ohio.edu/how-your-data-is-being-used/">customer behavior and patterns</a>. Information gained from the data can help businesses determine what to stock, how often to send out coupons, what to set the price to, and how product placement will influence customers. Data scientists are the people that collect data from individual sources, analyze the data for patterns, and make recommendations based on that data to managers and executives.</p> <p>Data scientists make a <a href="http://www.payscale.com/research/US/Job=Data_Scientist,_IT/Salary">median salary of $91,146</a>. And individuals who aren't lucky enough to make the median salary make at least $63,000 a year.</p> <h2>3. Ebook Editor</h2> <p>In 2007, the first major e-reading devices hit the shelves. For the first time, readers could have an entire library of books at their fingertips anywhere they went. The creation of ebooks not only changed how people could read, but it also made it easier for writers to self-publish their work. Amazon's Direct Publishing program, for example, will publish an author's work for free and provide royalties based on how many people purchase the book.</p> <p>The increase in writers self-publishing led to a new career and freelance opportunity: ebook formatting and editing. Formatters set up the backend HTML of the ebooks to ensure that the author has a professional ebook as they go through the publication process. Professionals within this field tend to charge anywhere from $50 to $200 dollars per book.</p> <h2>4. Geriatric Care Managers</h2> <p>Over the last decade, a large number of the United States population have reached the stage where they can no longer live entirely alone without help. This has left a large number of families with the difficult task of ensuring that their elderly loved ones have all the care that they need. The job entails analyzing what type of care and services are required, making a care plan, dealing with the technical details of setting up required services, and continuing to monitor the quality of the current care plan provided.</p> <p>This profession requires at least a Bachelor's degree in a field related to care management (nursing, mental health, counseling, etc.). Once you have the degree, you can become&nbsp;<a href="http://www.aginglifecare.org/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct.aspx">certified in care management</a>. According to PayScale, the median salary for&nbsp;<a href="http://www.payscale.com/research/US/Job=Geriatric_Care_Manager/Salary">geriatric care managers</a> is $47,693.</p> <h2>5. Genetic Counselor</h2> <p>Health care has gradually moved toward a patient-centered care format. In a nutshell, this focus tries to foresee, prevent, and manage illnesses to prevent costly hospitalization. Genetic counselors are a new addition to the health care field in the wake of this industry philosophy change. They dive into an individual's personal history to assess the potential for genetic disorders or birth defects in future offspring, as well as the development of genetic diseases in adults.</p> <p>The job requires a Master's degree in genetic counseling or genetics. According to the BLS, genetic counselors can&nbsp;<a href="http://www.bls.gov/ooh/healthcare/genetic-counselors.htm">make up to $72,090</a>. The current pool of available jobs as of 2014 was only 2,400, but the career is prospected to grow by 29% by 2024.</p> <h2>6. Information Security Analyst</h2> <p>Implementing good cyber security plans is a vital aspect of any business plan. The Internet has made the potential for cyber criminals to steal vital business or patient information incredibly high. Information security analysts protect companies from cyber threats by conducting security threat assessments, planning how to protect the company from threats, and implementing the new security measures to protect the company's network.</p> <p>The median salary, according to the BLS,&nbsp;<a href="http://www.bls.gov/ooh/computer-and-information-technology/information-security-analysts.htm">as of 2015 was $90,120</a>. There are currently 82,900 information security analyst jobs. That number is projected to grow 18% by 2024.</p> <h2>7. Medical Records and Health Informatics Technician (HIT)</h2> <p>Technology has radically changed the health care field in the last few years. One of the major changes is the implementation of electronic health records to track patient care and patient history to improve the quality and safety of care.</p> <p>Health informatics professionals are the people who plan, implement, and maintain EHR systems. On top of their <a href="http://healthinformatics.uic.edu/resources/infographics/the-intersection-of-healthcare-and-it/">EHR duties</a>, professionals often deal with billing, create multimedia projects to educate patients, securely exchange electronic health information between care providers, and research health care trends.</p> <p>According to the BLS, median pay for&nbsp;<a href="http://www.bls.gov/ooh/healthcare/medical-records-and-health-information-technicians.htm">HIT professionals</a> is $37,110. As of 2014, there were 188,600 jobs. There is expected to be a 15% growth which will result in 29,000 more jobs by 2024.</p> <h2>8. Social Media Specialist</h2> <p>The major social media platforms like Facebook and Twitter hit the scene in the early 2000s. As more people started using them, businesses began to realize that they could be an easy way to connect with the public. Thus, the need for social media specialists were born.</p> <p>Social media specialists are responsible for maintaining all of a company's social media platforms, interacting with potential customers online, crafting a social media strategy to attract more customers or clients, and analyzing social media data metrics. According to PayScale, median <a href="http://www.payscale.com/research/US/Job=Social_Media_Specialist/Salary">salary for social media specialists</a> is $40,821.</p> <h2>9. YouTubers</h2> <p>YouTube was founded in 2005. But It wasn't until the last 10 years that individuals with YouTube channels started making their video creation efforts a profitable endeavor.</p> <p>There are various strategies that YouTubers utilize to monetize their videos. YouTube allows video creators to monetize their videos with ads, or engage in affiliate marketing with companies within the video. Individual gets paid when viewers sign up for the product or make a purchase.</p> <p><em>What other jobs didn't exist 10 years ago? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-snapchat-in-your-job-search">How to Use Snapchat in Your Job Search</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-glassdoor-to-earn-more-money">How to Use Glassdoor to Earn More Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-online-tools-to-help-you-land-a-job">5 Online Tools to Help You Land a Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-great-jobs-that-dont-pay-much">15 Great Jobs That Don&#039;t Pay Much</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Technology high-paying jobs job search jobs modern jobs modern technology salary side job social media Mon, 15 Aug 2016 09:00:08 +0000 Samantha Stauf 1770723 at http://www.wisebread.com 8 Ways to Turn Your Stress Into Money http://www.wisebread.com/8-ways-to-turn-your-stress-into-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-turn-your-stress-into-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73912007_LARGE.jpg" alt="turning stress into money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you prone to stress and anxiety? Do you believe it's holding you back from being successful in your career and making money? It doesn't have to be this way. In fact, when your <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes">stress and anxiety are properly managed</a>, there may be ways to turn them into positive things for you financially &mdash; like extra cash!</p> <p>Let's take a look at these ways you can turn stress into financial freedom.</p> <h2>1. Channel Your Stress Into Hard Work</h2> <p>Employers don't want their employees to be stressed out, but they do want people who care. So if you have a little bit of anxiety about your work, that could be a good thing. If you can find a healthy way to channel that stress into being productive and conscientious, it will pay off in the workplace. The chemical produced by stress can, at certain levels, actually enhance alertness, memory, and attention.</p> <p>Many managers even say that giving workers a small amount of anxiety can help them perform better overall.</p> <p>&quot;Without anxiety, little would be accomplished,&quot; David Barlow, founder of the <a href="http://www.fastcompany.com/3025488/how-to-be-a-success-at-everything/relax-being-anxious-makes-you-a-good-leader">Center for Anxiety and Related Disorders</a> at Boston University, told <em>Fast Company. </em></p> <h2>2. Turn Your Stress Into Excitement</h2> <p>Stress can be debilitating. But excitement can help you reach new heights. There's a fine line between stress and excitement, but researchers say you can often find ways to frame stress in a positive way. In her paper, &quot;Get Excited: Reappraising Pre-Performance Anxiety as Excitement,&quot; Alison Woods Brooks of Harvard Business School <a href="https://www.apa.org/pubs/journals/releases/xge-a0035325.pdf">argues that you can perform better</a> in a situation simply by repeatedly telling yourself, &quot;I am excited.&quot; And the more you do it, the more it helps.</p> <p>&quot;Highly skilled individuals may be more likely to say &lsquo;I am excited&rsquo; before they tackle challenging tasks. In this way, emotional self-statements could operate in an upward spiral process in which successful individuals are more likely to express excitement, and saying &lsquo;I am excited&rsquo; then improves subsequent performance,&quot; Brooks writes.</p> <h2>3. Get a Side Hustle or Second Job</h2> <p>For many people, stressful and anxious thoughts come during downtime. It's hard to worry about things when you're busy at work, and the stressful thoughts may only come when your brain has a chance to think. If this sounds like you, maybe a second job will help you stay busy and keep your mind from wandering into Stress Town. And if you're the type of person who gets stressed about never seeming to have enough money, a second job may be what you need. It doesn't have to be another full-time job. Maybe you can take up freelance writing or design, or a craft. Anything to stay busy, keep your mind off your troubles, and make a little extra money in the process.</p> <h2>4. Become a Good Leader</h2> <p>In his book, <a href="http://amzn.to/29I0g4t">My Age of Anxiety</a>, writer Scott Stossel argues that being anxious can be helpful to people in leadership roles. He said anxious people are more likely to be tuned into other people's emotions and social cues.</p> <p>In their book, <a href="http://amzn.to/29Whaep">Wiser</a><em>, </em>researchers Cass Sunstein and Reid Hastie argue that groups can make the best decisions when they are led by an anxious and detail-oriented person. So who knows? Maybe your stress is your ticket to becoming CEO.</p> <h2>5. Save and Invest Like Crazy</h2> <p>If you are prone to anxiety, you worry about the future. That means you're probably good at preparing yourself financially for the days ahead. You may have cash set aside for every conceivable emergency, and are aggressive about saving for retirement because you stress about running out of cash as you age.</p> <p>If this sounds like you, you're probably in great shape financially and may even become quite wealthy as your investments and savings grow over time.</p> <h2>6. Become a Pet Sitter</h2> <p>If you suffer from anxiety or high stress, there's a lot of evidence suggesting that time with a pet can help you. Studies show that pets can provide the kind of unconditional love that would benefit those with mental health conditions, and may even improve social interactions.</p> <p>Pets can often be creatures of routine, demanding to be walked and fed at certain times. Being forced into that kind of routine may also be helpful to those with stress and and anxiety.</p> <p>What's more, if you <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">make money by walking pets</a>, you'll be getting some exercise, which is also beneficial when battling stress.</p> <h2>7. Channel It Into Something Creative</h2> <p>Perhaps you've found that your stress goes away when you play the guitar, or paint, or make pottery. Maybe you feel better when you act or dance. You may think of these activities as mere outlets for your stress, but they can be moneymakers. Make some music and join a band. Sell your artwork. Join a theatre company. Take that stress and go make some dough.</p> <h2>8. Blog About Your Stress</h2> <p>About <a href="http://www.nimh.nih.gov/health/statistics/prevalence/any-anxiety-disorder-among-adults.shtml">40 million adults in the United States</a> suffer from some sort of anxiety disorder, according to the National Institutes of Mental Health. That's a huge potential audience of people who may be looking to get advice, or simply connect with those who are going through similar challenges. Finding ways to write about your stress and anxiety may be therapeutic for you, and if the blog takes off, you can earn a little bit of cash in the process.</p> <p><em>What other ways can you channel stress into money? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-a-side-hustle-can-advance-your-career">8 Ways a Side Hustle Can Advance Your Career</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income anxiety earnings extra income jobs part-time job side hustle side jobs stress stress relief workplace Wed, 20 Jul 2016 09:00:07 +0000 Tim Lemke 1755547 at http://www.wisebread.com Can You Really Make a Living as an Ebook Writer? http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-you-really-make-a-living-as-an-ebook-writer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_writing_book_83658901.jpg" alt="Woman making a living as an ebook writer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ebooks have made self-publishing more accessible than ever. As recently as the 1990s, self-publishing meant paying to have thousands of physical books printed; a 1999 CNNMoney article pegged the cost at $12,000 to $30,000.</p> <p>Now that the majority of books sold are electronic, you can self-publish for much less &mdash; even for free. But does that mean you have a better chance now at making money on that self-published book than you did when expenses were higher?</p> <p>That all depends on how you go about it, and how lucky you are. Let's break down the process.</p> <h2>Where to Publish</h2> <p>The three main online stores that sell ebooks are Amazon's Kindle Store, Barnes &amp; Noble's Nook Store, and Apple's iBookstore. A few books are sold on other marketplaces as well, such as the Kobo US bookstore and GooglePlay Books. Authors can also sell their books directly to consumers on their own websites.</p> <p>Since <a href="http://authorearnings.com/report/october-2015-apple-bn-kobo-and-google-a-look-at-the-rest-of-the-ebook-market/">74% of all ebooks are sold on Amazon</a>, it's often the first or only place new authors think of to sell their work. And there are a lot of <a href="http://www.magnoliamedianetwork.com/sell-your-ebook-on-amazon/">benefits to selling on Amazon</a>. Kindle books are easy to buy, and the publishing process is straightforward. On the flip side, there are so many books selling on Amazon, including those from unknown new authors (like you), that it can be hard to stand out from the crowd. Amazon demands that you <a href="http://selfpublishingadvice.org/alli-watchdog-amazon-vs-apple/">exclusively sell your book</a> through them if you want to take advantage of many benefits, such as the Kindle Lending Library and Kindle Unlimited. (Keep in mind that Amazon pays authors when people check out their books; one ebook author said the Lending Library accounted for <a href="http://upfuel.com/how-much-money-can-one-kindle-book-make-1-year-case-study/">10% of his revenue</a>.) The biggest disadvantage of selling with Amazon, for many, is that they just don't like the way Amazon treats its authors.</p> <p>Apple's iBookstore is gaining market share, and as you would expect from Apple, books published on this platform look beautiful. But while Kindle books can be downloaded onto just about any device, readers can only access iBooks on an Apple device such as an iPad or an iPhone, which limits the market.</p> <p>Nook seems to be getting squeezed out by the big two ebook stores, and should probably only be considered as a secondary place to publish. The bottom line is that you may sell more books on Amazon, but some authors don't feel like that's a good enough reason to publish there.</p> <p>&quot;I may not sell as many books with Apple &mdash; yet &mdash; but it's a whole lot more fun working with them,&quot; writes author Giacomo Giammatteo.</p> <p>No matter which platform you choose, you stand to make about $2 a book if you sell your ebook for $2.99 &mdash; which is a popular price point.</p> <h2>How to Publish</h2> <p>Once you've decided where to sell your ebook, you're not done making decisions. You must decide whether to create and upload your ebook all on your own, or to pay an epublishing service or distributor to do it for you. The top services include <a href="https://www.bookbaby.com/">BookBaby</a>, <a href="https://www.smashwords.com/">Smashwords</a>, and <a href="http://www.ingramspark.com/">IngramSpark</a>. For fees of $149 or more, these services can format your book and upload it to multiple different ebook stores. You can pay more for value-added services, such as editing, cover design, and even print-on-demand paper books.</p> <p>You can also hire editing and design professionals independently for these services.</p> <h2>What to Publish</h2> <p>What your ebook is about all depends on your goals. If your motive is purely profit, there are methods of figuring out which topics are most likely to sell books. An anonymous author, who claims to be making tens of thousands of dollars a month publishing short ebooks (about 20 pages), describes his <a href="http://thehustle.co/underground-world-of-kindle-ebooks">process for choosing topics</a> on The Hustle: &quot;I find books that are selling well, check out their tables of contents, and look at the negative reviews to see what they missed.&quot;</p> <p>It may be disheartening for a hardworking writer to hear, but this successful entrepreneur says that sales are driven mainly by the cover image and the book description: &quot;[T]he book's content is the least important part of the process.&quot;</p> <p>If your motive is more to get a great idea or story out into the world, rather than just cranking out any title that will sell, you should still do your research before you sit down and start writing. If you have a blog, poll your readers on what topics they'd most like to see expanded upon in a book. If your book is in a genre or niche, such as a cookbook, study the top-selling, well-reviewed ebooks in that niche and try to figure out what you could add that hasn't already been done well. Fiction authors can also benefit by looking at already published novels in their category, to figure out both how to avoid writing books that have been done to death &mdash; and to find out what types of novels are hot right now.</p> <h2>How to Make It Sell</h2> <p>Once upon a time, writers just turned in their manuscripts to publishers and left the advertising and promotion to the company. But even authors with book contracts nowadays find themselves doing their own advertising and promotion. <em>Before</em> you publish your book, consider the investment of hiring a publicist to let media know about your upcoming release. If you're publicizing it yourself, write about your upcoming book on your blog, and ask other bloggers to write about it as well. You can also create a new blog just about the new book or about its topic, in order to drive traffic to your book.</p> <p>Don't forget good old-fashioned advertising. Mark Dawson, who says he makes six figures selling his novels on Kindle Direct, pays $370 a day to advertise it on Facebook, according to Forbes.</p> <h2>Will You Make Money?</h2> <p>Of about 200,000 authors selling ebooks on Amazon, only about 5,000 &mdash; less than 3% &mdash; consistently earn $10,000 a year or better, according to the website Author Earnings. More than half of those are traditionally-published authors. So, only around 1% of all the people self-publishing ebooks are making much money on it.</p> <p>That's not to say you can't. One approach for ending up with more money in your pocket is to keep your investment low, so that even if sales are modest, you still keep some profit. To save themselves from investing too much time, some ebook authors suggest <a href="http://www.fabfreelancewriting.com/blog/2013/06/25/writing-kindle-ficion-make-money-with-short-stories/">keeping books short</a> &mdash; since people are about as likely to pay for a 20-page book or short story as they are for a full-length novel. Others minimize their time investment by outsourcing the cover art (<a href="http://thehustle.co/underground-world-of-kindle-ebooks">this guy gets all his covers designed on Fiverr</a>) or even the content.</p> <p>Again, it's all about your goals. If your dream is to delight readers with your imaginative novel or win a literary award, you're not going to dash out an outline and hire a low-cost overseas writer to flesh it out. But if your goal is to develop a passive income stream by pumping out 50 titles a year, outsourcing is probably your best option.</p> <p>In the end, the answer is that you can make a living self-publishing ebooks, but like a lot of business ventures, most people who try it don't cash in. If you decide to enter self-publishing as a moneymaking venture, make sure to research the market first and put in the time to create a product that's optimized to sell.</p> <p><em>Have you tried selling an ebook online? What was your experience like? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-real-costs-of-self-publishing-a-kids-book">3 Real Costs of Self-Publishing a Kids&#039; Book</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-a-side-hustle-can-advance-your-career">8 Ways a Side Hustle Can Advance Your Career</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-i-learned-about-money-after-i-went-freelance">7 Things I Learned About Money After I Went Freelance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income author books bookworm ebook author eBooks freelancer jobs novelist professional writer side hustle writer Fri, 01 Jul 2016 10:30:04 +0000 Carrie Kirby 1742406 at http://www.wisebread.com 3 Reasons You Are More Than Your Job http://www.wisebread.com/3-reasons-you-are-more-than-your-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-you-are-more-than-your-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_time_out_73913133.jpg" alt="Woman learning reasons she is more than her job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In a society where work means everything, retirement can sometimes lead to depression. Many Americans say they can't wait to retire, but the reality is that among men especially, <a href="http://www.thinkadvisor.com/2014/06/30/the-secret-sadness-of-retired-men">retirement can mean loss</a> &mdash; of identity, values, and more. When a retired person can't attach that identity to something else, he or she needs to find an outlet like gardening, traveling, or the like. Unfortunately, sometimes that feeling doesn't translate.</p> <p>That's why you should make sure that your identity isn't wrapped up in your work, no matter what stage you're at in your career. Don't let it define you, because when it's over, you'll feel lost, and like you don't belong anywhere. You see this played out a lot in sitcoms, when women let the men they're dating determine their identity. It's similar. You want to find your identity and then go after <a href="http://www.wisebread.com/my-2016-budget-challenge-does-taking-a-regular-day-job-mean-giving-up">what you're passionate about professionally</a>, not the other way around. It's hard when you're a fresh college graduate and you aren't sure what your future holds.</p> <p>But there is hope. Here are a few reasons that you should not let your job determine your identity. Just let it be a small part of what fulfills you.</p> <h2>You Have Other Interests</h2> <p>While you should always take pride in your work, you shouldn't let it determine how you feel about your life. The most important parts of your life are the things you love. Whether it be your friends or family or traveling or food, find a passion in something rewarding, but not necessarily financially feasible. You have to find something else that gets you out of bed every morning. And if what you're most passionate about does get you out of bed every morning, make sure you have a balanced life after work.</p> <h2>It Can Always Come to an End</h2> <p>You will never realize that your life is your job until you lose it. When you lose your friends, your after-work activities, and your lunchtime connections, it becomes harder to regain your composure and self-worth. Make time to have hobbies outside of work &mdash; volunteer, play sports, find a church, synagogue, or mosque &mdash; whatever might connect you with others. That way if something does happen, you have a support system to fall back on.</p> <h2>You Have to Put Yourself First</h2> <p>When the company you work for gets mixed up in something or is blamed for something and it hits the press, people think of you. And sometimes if you go to bat for the company, you are entangled in whatever is happening. This has happened to me before, especially when I worked with people who were litigious. Make sure you don't let how people feel about the place you work translate to how they feel about you. Business is just that, and you need to protect yourself, above all else.</p> <p>All of this is hard to stomach because, as Americans, we spend most of our lives thinking about what we want to be when we grow up, what we would rather be doing when we finally do grow up, and how we wish we had done one thing or another after we retire. Live life now, while you still can. Travel, read, and experience new adventures. Don't let your 9-to-5 take over your life, just let it fund your life.</p> <p><em>How do you determine your identity?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-stressful-job-may-be-making-you-healthier">Your Stressful Job May Be… Making You Healthier?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/find-work-worth-doing">Find work worth doing</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-warning-signs-that-it-is-not-the-job-for-you">6 Warning Signs that It Is Not the Job for You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income anxiety career depression job hunting job stress jobs sadness stress stress relief work Mon, 27 Jun 2016 10:00:08 +0000 Jennifer Holder 1738700 at http://www.wisebread.com Here's How the Election Could Impact Your Wallet http://www.wisebread.com/heres-how-the-election-could-impact-your-wallet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/heres-how-the-election-could-impact-your-wallet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/voter_pins_money_72870711.jpg" alt="Learning how the election will impact your wallet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's Clinton versus Trump, and the topic is money &mdash; because, more than anything else, that's what's on the minds of American voters. All told, 44% of Americans say the economy is their <a href="http://i2.cdn.turner.com/cnn/2015/images/07/26/72715cnnorc.pdf?iid=EL">top campaign issue</a>. Read on for our roundup of how either candidate's presidency would impact your dollars and cents.</p> <h2>Donald Trump</h2> <p>First up, the presumptive Republican nominee and his ideas about taxes, wages, and more.</p> <h3>Taxes</h3> <p>Trump proposes a systemwide overhaul of the U.S. tax code aimed at simplifying it to the point where it would &quot;<a href="http://money.cnn.com/2015/08/11/news/companies/donald-trump-hr-block-tax-code/">put H&amp;R Block right out of business</a>.&quot; In addition to his pledge to make the tax filing process more intuitive for Americans, Trump has also said that he believes the wealthiest Americans should <a href="http://www.ctpost.com/news/article/Trump-close-hedge-fund-tax-loophole-6511995.php">pay higher taxes</a>.</p> <p>&quot;If you make $200 million a year and you pay 10%, you're paying very little relatively to somebody that's making $50,000 a year and has to hire H&amp;R Block because it's so complicated,&quot; Trump said during a Republican presidential debate last year. &quot;I know people that are making a tremendous amount of money and paying virtually no taxes, and I think it's unfair.&quot;</p> <p>Under Trump's plan, federal income taxes would be eliminated for Americans who earn less than $25,000 and married couples that earn less than $50,000.</p> <p>Corporations and the wealthy would pay a decreased corporate tax rate (15% rather than the current 35% rate). The highest income tax rate would drop down to 25% from 39.6%.</p> <p>Despite these cuts, Trump has said that his plan would ultimately raise taxes on the wealthy. That would be achieved, he said, through proposed measures such as the elimination of a hedge fund tax loophole and a one-time 10% tax on money brought back into the U.S. by corporations currently holding funds overseas.</p> <h3>Jobs</h3> <p>Trump has vowed to grow the economy, namely by bringing back jobs he says the U.S. has lost to countries including Japan, China, and Mexico. Tariffs on foreign goods and negotiating better trade deals are the two main ways Trump has said he would accomplish this goal.</p> <p>When it comes to bringing home foreign jobs, Trump has specifically criticized Apple's China-based manufacturing. If elected, he has said he would force the tech company to &quot;start building their damn computers and things in this country instead of in other countries.&quot;</p> <p>As a billionaire real estate developer, Trump has already directly <a href="http://money.cnn.com/2015/09/03/news/economy/donald-trump-jobs-created/">created about 34,000 jobs</a>, according to an analysis by CNNMoney.</p> <h3>Minimum Wage</h3> <p>Reversing a previous position, Trump has said he would <a href="http://money.cnn.com/2016/05/05/news/economy/candidates-minimum-wage/">raise the federal minimum wage</a> from its current rate of $7.25 an hour. He has not, however, revealed by how much.</p> <h3>Social Security</h3> <p>Trump pledges to <a href="http://fortune.com/2016/03/15/primary-elections-ohio-florida/">leave Social Security</a> &quot;the way it is,&quot; a position that has been called impractical by analysts. The reserve fund will be depleted soon after 2030, upon which, if the law is not changed, monthly benefits will have to be slashed by 21%, experts say. There is one change that he would make, however. Trump has said he would raise the age at which Americans are eligible to begin receiving Social Security benefits to 70. Trump has said that he would not support cutting benefits to those who already receive them.</p> <h3>Health Insurance</h3> <p>Trump has said that he would <a href="http://www.cnn.com/2016/03/02/politics/donald-trump-health-care-plan/">ax the Affordable Care Act</a>, also known as Obamacare, and replace it with his own medical care reform system, the details of which are fuzzy. Trump's plan would, however, allow the sale of health insurance across state borders and make health insurance premium payments for individuals fully tax deductible.</p> <h2>Hillary Clinton</h2> <p>Secretary Clinton's plans differ from Mr. Trump's, of course, especially in the areas of taxes and health care.</p> <h3>Taxes</h3> <p>Clinton's economic plan aims to <a href="http://www.nytimes.com/2015/07/14/us/politics/hillary-clinton-offers-her-vision-of-a-fairness-economy-to-close-the-income-gap.html">close the wealth gap</a>, in part by raising taxes for the rich while encouraging the private sector to raise middle-class wages. Specifically, she has said she would close corporate loopholes, including those used by hedge funders to avoid paying millions in income taxes, in an attempt to reign in Wall Street.</p> <p>&quot;We must raise incomes for hardworking Americans so they can afford a middle-class life,&quot; she said at a campaign event last year where she debuted her economic recovery strategy. &quot;That will be my mission from the first day I'm president to the last.&quot;</p> <p>Under Clinton's plan, low and middle-class Americans would pay lower taxes &mdash; just how much lower, she hasn't yet revealed. Meanwhile, wealthy Americans would pay more.</p> <p>Analysts estimate that Clinton's plan would, on average, raise taxes for the top 1% of Americans by <a href="http://money.cnn.com/2016/03/03/pf/taxes/hillary-clinton-taxes/">more than $78,000</a>, reducing their after-tax income by 5%. Individuals with adjusted gross incomes topping $1 million would pay a minimum of 30% of their income in taxes.</p> <p>Experts say that while lower and middle-income Americans would pay less, most won't pay very much less.</p> <p>Overall, Clinton's plan is closer to the status quo than the plans proposed by Trump or any other major candidate.</p> <h3>Jobs</h3> <p>Clinton's plan for job growth includes measures that would incentivize corporations to invest in employees. It would also eliminate tax benefits to companies that outsource jobs to foreign countries. Companies that move their headquarters overseas would be hit with an exit tax.</p> <p>&quot;I'm not interested in condemning whole categories of businesses or the entire private sector,&quot; she has said. &quot;But I do want to send a clear message to every boardroom and every executive suite: If you desert America, you'll pay a price.&quot;</p> <p>Clinton has also pledged to expand overtime benefits and promote equal pay for women while also advancing fair scheduling, paid leave, and earned sick days.</p> <h3>Minimum Wage</h3> <p>Clinton has said she supports a <a href="http://www.slate.com/blogs/moneybox/2016/04/18/hillary_clinton_explains_her_position_on_a_15_minimum_wage.html">federal minimum wage increase</a> to $15 from the current rate of $7.25 an hour. She has also said that she supports a $12 federal minimum wage, with the caveat that states should feel encouraged to go higher, especially in cities and suburbs with high living costs. It's unclear which proposal she prefers.</p> <h3>Social Security</h3> <p>To preserve the quickly depleting Social Security reserve fund, Clinton's plan calls on the rich to contribute more via income tax. She opposes any benefits cuts and has said she would not raise the retirement age. Clinton has also said that she would expand Social Security to groups she says are <a href="https://www.hillaryclinton.com/issues/social-security-and-medicare/">treated unfairly by the system</a>, including widows and caretakers who have taken time off from work for the benefit of children, aging parents, or ailing family members.</p> <h3>Health Insurance</h3> <p>Clinton has embraced the Affordable Care Act, also known as Obamacare, while acknowledging that there are improvements she would like to make to the current system. Namely, she has said that she would like to <a href="http://www.latimes.com/business/hiltzik/la-fi-mh-hillary-clinton-reveals-her-plan-obamacare-20160223-column.html">add a public option</a>, make health coverage accessible to even more people &mdash; including undocumented immigrants &mdash; and cut its cost.</p> <p><em>Will the candidates' positions on bread and butter issues affect your choice this fall?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/heres-how-the-election-could-impact-your-wallet">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-social-security-just-a-grand-ponzi-scheme">Is Social Security Just A Grand Ponzi Scheme?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-financial-reasons-2016-needs-to-be-over-asap">7 Financial Reasons 2016 Needs to Be Over ASAP</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bushs-economic-stimulus-package-what-will-you-get-back">Bush&#039;s economic stimulus package; What will you get back?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-money-moves-to-make-before-you-remarry">8 Money Moves to Make Before You Remarry</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-money-moves-that-can-get-you-into-legal-trouble">5 Common Money Moves That Can Get You Into Legal Trouble</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance 2016 election donald trump Economy hillary clinton jobs minimum wage presidential election social security taxes united states Mon, 27 Jun 2016 09:30:25 +0000 Brittany Lyte 1738698 at http://www.wisebread.com 10 Things Your Boss Wishes You Knew http://www.wisebread.com/10-things-your-boss-wishes-you-knew <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-your-boss-wishes-you-knew" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000068400791_Large.jpg" alt="your boss wishes you knew these things" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us have a boss. It would be great to know what was really going on inside his or her head, but sadly, the technology doesn't yet exist. However, after talking to bosses from my past jobs, I have discovered 10 commonalities that they would like you to know. Follow this advice, and you could give a well-earned boost to your career.</p> <h2>1. A Positive Attitude Is Really Important</h2> <p>Bosses don't expect their employees to be perfect shining rays of light, and happy every second of every day. In fact, that may actually get very irritating, or give the impression that you just don't care. However, being difficult, constantly complaining, nay-saying, gossiping, and generally being a grumpy curmudgeon is not going to be tolerated for long, regardless of the skills you have. Some people may say &quot;His attitude stinks, but his work is incredible,&quot; and while that may be true, it won't keep that guy employed forever.</p> <p>What's at stake here is greater than one person. Team morale suffers, the boss has to give more grease to the squeaky wheel, and it becomes more of a hassle than the employee is worth. Less talented, but more positive, individuals will outlast highly skilled killjoys.</p> <h2>2. Take the Initiative More Often</h2> <p>A good employee will do what is asked of him or her in a timely manner, and they'll do it well. A great employee won't wait to be asked, and will instead initiate the projects or create new ways to drive business. A boss has a lot of work to do, and when an employee steps up with a solution to a problem, rather than being asked to look into it, it's an absolute delight to a boss. It shows you care about the job, and the company, and are thinking about ways to improve it on your own time.</p> <p>If you have ideas that you think would improve business, do not be afraid to take 10 minutes out of the <a href="http://www.wisebread.com/6-skills-that-helped-your-boss-get-ahead">boss's schedule</a> to discuss them. Even if the idea isn't feasible, you will get props for the effort.</p> <h2>3. The Boss Is Not the Enemy</h2> <p>It's something regularly portrayed on TV and in the movies. The boss is the one everyone else can't stand. It's the boss who stops the fun, who demands you work late, or come in early, and it's the boss who has to deliver bad news. Well, the boss doesn't relish doing any of those things. There is so much going on behind the scenes that employees don't, and shouldn't, know about. From revenue issues, to staffing, and even stock prices &mdash; the boss has much more to deal with than you'd think, and it's hard work.</p> <p>But at the end of the day, the boss wants the company to do well, and therefore, wants you to do well. You won't always agree with the decisions, but that doesn't mean they were made to annoy you, or keep you from succeeding. And remember, many times your boss has a boss, who also has a boss. This all trickles down.</p> <h2>4. Asking for Help Is Not a Sign of Weakness</h2> <p>There's a great <em>Seinfeld</em> episode called &quot;The Bottle Deposit&quot; which features George being given a very important task to do. The boss thinks George has followed him into the bathroom, and briefs him there. When George comes in at the end, he's missed the entire briefing, but his boss thinks he's heard it all. The simple solution is to approach the boss and say, &quot;I actually didn't hear that. Could you please brief me on it again?&quot; But that wouldn't be funny in a sitcom.</p> <p>In real life, however, asking for help, or clarification, is a perfectly normal and accepted part of the job. In fact, by asking for help, you're showing that you care enough about the project to make sure it gets done correctly. Now, if you ask for help constantly, and cannot grasp the notion of the project after three or four explanations, that's not so good. You also don't want to be seen as offloading all your projects onto other people. But in general, if you have a question, ask it. Your boss will be happy to give you the best answer they can.</p> <h2>5. Promotions Have to Be Earned</h2> <p>You may have been at the company five years, and never had a promotion. And yet, someone down the hall has had two promotions in just four years. This isn't fair, right? Well, most of the time, it is. True, sometimes there is favoritism involved, and in those cases, there is very little you can do about it. Bosses promote their friends, it's a fact of life.</p> <p>However, most of the time, those promotions were earned by a go-getter who showed initiative and really went the extra mile. In fact, a promotion is usually given to someone who has been doing that job for months, or even years. Show that you can do it, and you'll get it&hellip; and the raise.</p> <h2>6. You Can't Expect Special Treatment</h2> <p>You may make the boss laugh more than anyone else. You may go golfing with him or her on a weekend. You may even be related. But you cannot expect that to have an impact on your job. You shouldn't expect a raise because you bring the boss homemade cookies every week. You shouldn't expect to work special hours, or telecommute, just because you're charming. Remember, if the boss lets you have something, then pretty soon everyone on the staff will hear about it, and want the same. Now, if you do something that earns you special treatment, like working overtime for three weeks without pay, then that's different. In that instance, it's fine to ask for some free time off to recuperate.</p> <h2>7. Don't Bring Problems Without Solutions</h2> <p>The boss has to know about problems. However, simply telling the boss something is wrong, without offering any kind of assistance or solution, is just lazy. If you don't have the expertise to address the problem, talk to someone who does, and find out what can be done to address that problem. Do it in a timely manner, and then bring both the problem and possible solutions to the boss. Now, you have not made his or her day worse by being the bearer of bad news. Instead, you have flagged a problem, but offered a fix. This is more appreciated by a boss than you could know, and it will be reflected in your next review. You are proactive, and that's something worth rewarding; either with more responsibility, and/or a promotion.</p> <h2>8. Criticism Is Not Personal</h2> <p>It seems that as the years go by, employees get more and more sensitive to criticism of any kind. Perhaps the entitlement culture is to blame, and parents who shelter their children all the way to adulthood. But whatever the reason, a boss should be able to critique your work and your ideas without you feeling attacked or hurt.</p> <p>Constructive criticism is how we all learn to grow in our roles, and advance in our careers. Some industries, such as advertising and marketing, cannot survive without tough feedback. Creative people have to learn to grow a thick skin, as they are told all 10 concepts for a pitch are awful. But the same should apply across the board. Whatever industry you're in, a critique of your work is not an attack on you as a person, and you should not take it personally. Brush it off, and learn from it.</p> <h2>9. Think Beyond Your Own Role</h2> <p>It's very easy to work in a silo, and focus on your own tasks and responsibilities. But a great employee will consider the whole business, not just one department or project. For instance, asking for an injection of capital to fund a project can have all kinds of implications. It's possible that money is tied up in another project or initiative, and that would have to be cut to fund your project. Is your project best for the company as a whole? Are you using funds in the best possible way? Some people treat the company's money like Monopoly money, spending because it's easy. However, if you spend the company's money as if it were your own, you'd find ways to save, or make better deals.</p> <h2>10. You Don't Have to Agree With Everything</h2> <p>Good bosses hire people who are ready to challenge the status quo &mdash; <em>if</em> they bring better ideas to the table, and go about it in a respectful way. There is absolutely nothing wrong with having the dissenting opinion, and your boss will actually think more of you for bringing up the topic. Someone who says yes to every single idea their boss has is not only seen as irritating, but also lazy. It takes work, and bravery, to speak up about an idea that's different. But it also shows you're thinking, and most importantly, that you care. While a boss has every right to shoot down those ideas, or overrule you, they are not going to think negatively of you if you show genuine passion for a different idea. Of course, saying no to every idea, that's a whole different story.</p> <p><em>Are you a boss? What do you wish your employees knew? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-things-your-boss-wishes-you-knew">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-say-to-your-boss">10 Things You Should Never Say to Your Boss</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/whats-an-employee-to-do-part-2">What&#039;s an employee to do? Part 2</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-jobs-proven-to-make-you-live-longer">5 Jobs Proven to Make You Live Longer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-4-jobs-people-quit-the-most">The 4 Jobs People Quit the Most</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income boss career building employer job etiquette jobs office politics wishes you knew Wed, 01 Jun 2016 10:00:06 +0000 Paul Michael 1721380 at http://www.wisebread.com Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_outside_photographer_000025506033.jpg" alt="Woman making money and actually having fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people rarely have fun during their workday. And that's because you're there to work, not play. But with the gig economy going full steam ahead, folks young and old are finding ways to make money by doing things they enjoy. Besides, if you thoroughly enjoy your work, it won't feel like work. You'll be more interested in taking on similar projects, and you'll make more money as a result. You might even get to a point where you can turn your fun side job into a full-time career. Not bad, right?</p> <p>Here are 68 coolest ways to make extra money that won't feel like work at all.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_working_from_home_000025337892.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=fbf">22 Websites That Will Pay You to Write for Them</a> &mdash; If you spend your free time writing stories and poetry, why not make a little money at it? Tons of websites and brands are looking for digital content creators, and these 22 sites are a fantastic place to start.</p> <p><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers?ref=fbf">6 Great Side Jobs for Book Lovers</a> &mdash; If you prefer the company of books to people, these side gigs are perfect for you. That's right, your love of literature will help you bring home the bucks! Not bad, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000057673262_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types?ref=fbf">12 Great Side Jobs for Outdoorsy Types</a> &mdash; Being trapped inside behind a desk sounds like a nightmare, yes? Well, there's no need to be stuck indoors all day when you could be making extra cash while spending your days in the great outdoors.</p> <p><a href="http://www.wisebread.com/get-paid-to-watch-your-favorite-tv-show-live?ref=fbf">Get Paid to Watch Your Favorite TV Show Live</a> &mdash; Yep, that's right. You can actually make money by watching TV. Being paid to be an audience member at a live show in cash, prizes, and free food isn't a bad way to earn a buck. And it certainly won't feel like work.</p> <p><a href="http://www.wisebread.com/20-places-besides-etsy-to-sell-your-handmade-goods?ref=fbf">20 Places Besides Etsy to Sell Your Handmade Goods</a> &mdash; If your hobbies include arts and crafts, you might want to consider selling them online. Your creative projects deserve more than to collect dust on a shelf. Sell them on etsy or any of these 20 sites and you might develop a booming little side hustle.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000024530979_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=fbf">How to Make $400+ a Week as a Pet Sitter</a> &mdash; Believe it or not, you can make a solid income from walking dogs, and hanging out at other people's homes with their pets. You will obviously need to care for their pets and keep things tidy, but it's not a bad way to earn extra money, especially if you're an animal lover.</p> <p><a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=fbf">6 Ways to Make Extra Money Using Social Media</a> &mdash; If you're a social media maven and have accrued a large mass of followers on your own, here are six brilliant ways to make some cash from your likes and shares. Becoming a brand ambassador or influencer can land you a load of free stuff and potentially a decent chunk of change. Cha-ching!</p> <p><em>What are some other fun side jobs? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-holiday-gigs-that-are-perfect-for-introverts">5 Holiday Gigs That Are Perfect for Introverts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-55-brilliant-ways-to-turn-your-junk-into-cash">Flashback Friday: 55 Brilliant Ways to Turn Your Junk Into Cash</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/check-out-these-5-legit-mystery-shopping-gigs">Check Out These 5 Legit Mystery Shopping Gigs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting easy jobs extra income fbf flashback friday fun jobs job search jobs make money side hustles side jobs Fri, 13 May 2016 10:00:10 +0000 Chrissa Hardy 1708887 at http://www.wisebread.com