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Side gig. Side job. Side hustle. It goes by many names and serves many purposes. For some, it’s a way to keep the lights on. For others, it’s an opportunity to save for a goal or follow a passion.Since the onset of the COVID-19 pandemic, millions of Americans have become unemployed. Many are turning to the gig economy to make money. And it’s booming.“Obviously online shopping has become huge, and so delivery services are packed. You’ve got Amazon Flex trucks practically ramming into each other,” says Kathy Kristof, editor at SideHusl.com, a website that reviews hundreds of online moneymaking platforms.Before you rush into a side gig, scrutinize the risks, the pay and other important details. Here’s how to choose the right pandemic side job for you.Assess yourself firstAs you begin searching for a side hustle, think about your experience, skills and interests. But more importantly, consider what you’re comfortable doing.Are you willing to be in close contact with other people, or would you prefer a socially distant position? Are you part of a high-risk group for COVID-19? What would happen if you got sick and couldn’t work? The answers to these questions will help you decide what jobs to pursue.If either your health or financial life could be ravaged by illness, you’re going to have to be more careful than the people without those risks, Kristof says.“Somebody who doesn’t have that same sort of risk might feel completely comfortable doing contact-free deliveries for Grubhub or Dumpling or any of these other delivery services,” Kristof says. “But somebody who is high risk, you want an online job like online tutoring.”Expand your definition of ‘side gig’“Side gig” has become synonymous with a handful of jobs: dog walking, delivering groceries and driving for Uber or Lyft. But these aren’t the only opportunities occupying the space.You can teach a virtual yoga class, for example, sell clothing online or work as a freelance designer. Through services like TaskRabbit, you can get paid to do odd jobs like yardwork and assembling furniture.Side and part-time jobs tend to rise during economically uncertain times, according to Brie Weiler Reynolds, career development manager at FlexJobs, a job-search site for remote and flexible jobs. Chances are there’s something up your alley.Roles outside the gig economy can be worth exploring, too. Features typically associated with side gigs, including flexible schedules and the ability to work from home, are increasingly spilling over into professional roles. Remote jobs posted on FlexJobs in career categories such as marketing, sales and project management have increased over 50% since March, according to a recent analysis from the site.“Because we’ve never had to do this from home before, there was never as much acceptance. Now you’re getting widespread acceptance from the whole of corporate America,” Kristof says.Protect yourself and your financesOnce you narrow down your choices, dig into the details. Get a sense for what it’s like to work in a role, what the requirements are and how much you’re likely to earn before you commit.You can avoid surprises by looking up a company’s Better Business Bureau rating, reading through the fine print on its website and checking out reviews on sites like SideHusl and Indeed.“Let’s say you’re interested in delivery jobs, and you’ve got DoorDash, Instacart and Postmates. You want to look at each site and see what the fees are,” Weiler Reynolds says.Many platforms charge registration, listing or commission fees, which can cut into your earnings. Some gigs also require you to pay expenses like gas and insurance for your vehicle. If you’re a rideshare driver, delivery driver or mover, your personal auto insurance policy doesn’t cover you for commercial risk, Kristof says.“Some online platforms automatically cover you with a commercial policy. Others do not. So you should always look for that if you’re working for an online platform,” Kristof says.Still, that won’t necessarily cover you in all circumstances, such as when you’re en route to pick up an order. Talk to your insurance company to ensure you get the proper protection.You’ll also want to find out whether you’ll be classified as an employee or independent contractor. This determines how you’ll pay taxes and whether or not you’ll be entitled to certain benefits. Independent contractors need to set aside a portion of their pay for taxes themselves. Employers automatically withhold income taxes for employees and usually offer health insurance, 401(k) matches or paid time off.Weiler Reynolds says freelancers or contractors may also have to pay taxes quarterly, which can be a bigger time investment.Don’t forget to make safety a priority. Find out what protective measures the company or local government requires while you’re on the job. If you’re unable to avoid contact with others, prepare to take appropriate precautions, such as wearing a mask or gloves.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Losing Obamacare Could Cost You5 Credit Mistakes That Can Haunt YouSmart Money Podcast: Remote Work Burnout and Saving for CollegeLauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. 5317

Several industries have been disrupted since the coronavirus pandemic hit the U.S., including the food supply chain. From dumped milk to piles of uneaten onions and potatoes, this was just some of the food going to waste on farms across America due to COVID-19-related shutdowns.“Really its impact on the food supply chain started in March,” said Jack Buffington, a supply chain expert currently developing the supply chain program at the University of Denver. “Most of us who have been in the supply chain have never seen an event like this happen.” While farmers were dumping or burying products, food banks were missing out on some much-needed supplies, and dealing with growing demand. So were grocery stores as restaurants were closed and consumer buying habits changed.“More of the retail food market went down and more of the consumer home food market went up,” Buffington explained. “This caused a major shock in the supply chain where you had this situation where some foods were going to waste and some foods were in high demand.”First, the federal government stepped in to help. The USDA was given up to billion through the Coronavirus Assistance Program to buy fresh produce, dairy, and meat from farmers and then distribute that to those in need.And then there were nonprofit organizations like FarmLink.“We matched a farm in Idaho, an onion farm, to or local food bank in Los Angeles,” Max Goldman with FarmLink explained. “We delivered 50,000 pounds of onions to them.” He said that was their proof of concept.Goldman is a student at Brown University. Him and a group of students saw the disruption in the supply chain, and decided to do something about it.“A lot of what we do is finding food that would’ve been sent to the dump,” he said.So, FarmLink was born to help with food waste.“We’ve done two million pounds in seven days,” Goldman said. In just two months, they’ve reallocated four million pounds of food. They pay farmers their cost with donations and grants they receive, and help get the good to food banks. Goldman said the farmers are generally grateful“One of the first farmers we worked with, he said the day he has to dump his food is the worst day of his life. He works all year to basically produce this food and for him to have to a dig a hole in his backyard and just take a dump truck and put all his potatoes and onions or whatever it is, he said it makes him cry and it’s the worst day of his life,” Goldman said. “Even if he lost money on it, he was glad he could send this food to people in need during this time.”So far, they’ve delivered food to approximately 30 states.“This is not a new issue and its been accelerated and made more public due to coronavirus, but every year there’s over 60 billion pounds of food waste,” Goldman said.Buffington said the work of FarmLink and organizations doing similar work is just a drop in the bucket, but it’s promising.“Small in scale of the overall supply chain, but it’s huge in this opportunistic saving of food,” he explained. Buffington sees this type of work as a Band-Aid on the bigger issue, but it could open eyes to solutions down the road.“Supply chains work really well on stability,” Buffington said. “It’s tough to think about innovation which is disruption, when you're worried about a disruption to your current model.”“I think when we pull out of this you’re going to see remarkable opportunities for innovation,” he said.For now, FarmLink and other organizations are working to make sure food doesn’t go to waste. Goldman’s goal is to move over a million pounds of food a day. “We’ve had tens of thousands of people reaching out wanting to help, and that’s just so uplifting and really gives you hope,” Goldman said. 3729

Seventeen days after voters went to the polls in Ohio's 12th congressional district, Republican Troy Balderson hung on by a 1,680-vote margin to win the seat over insurgent Democrat Danny O'Connor.The seat, previously held by Pat Tiberi, and before that current Ohio Gov. John Kasich, has been held by Republicans since 1983. The district has not seen a competitive race since then, as both Kasich and Tiberi typically won every two years by comfortable margins. But the district, which includes parts of Columbus' affluent northern suburbs, rapidly urbanizing Delaware County to Columbus' north, as well as several surrounding rural counties, became competitive after Tiberi announced his retirement. Polls leading up to the Aug. 7 battle showed a dead heat. On election night, Balderson held a nearly 1,500-vote advantage. O'Connor announced that he would wait on all absentee and provisional ballots to be counted before conceding. All of those votes have now been counted as of Friday. “I just called Troy Balderson to congratulate him on his victory in the 12th Congressional district special election," O'Connor said in a statement. "I want to express my deepest thanks to my campaign staff, our volunteers, and to everyone who cast a vote in the special election, whether it was for me or not."Balderson also issued a response on Friday. "Danny O'Connor ran a hard-fought race," he said, "but I look forward to earning the support of voters for a fourth time in November as I share my track record of getting things done for Ohioans."While both were gracious to each other on Friday, the affinity for each other will almost certainly be short lived. Both O'Connor and Balderson also are on the ballot in November. And with control of the House of Representatives hanging in the balance in November, there is no reason to believe that either candidate will let up on the attacks on each other from the special election. Democrats will need to gain 25 seats in order to flip the House for the first time since 2010. According to Cook Political Report, there are 30 toss-up seats up for grabs, with 28 of them currently being held by Republicans. If the Democrats win a majority of those seats, they will likely regain control of the House.  2323

SPRING VALLEY, Calif. (KGTV) -- Monte Vista High School is increasing security Tuesday after finding a threatening message written in the men’s restroom. According to a statement from the Grossmont Union High School District, the threatening message was discovered written in marker on a partition wall in the men’s restroom.The district says the message referenced an act of violence but lacked any specifics. The San Diego County Sheriff’s Department was made aware of the incident and is investigating.RELATED: Rancho Bernardo High School goes on 'secure campus' following threatOut of caution, the district says the school will have “increased campus supervision and patrols in the area of the school tomorrow.”Read the full statement below: 768

Senate Majority Leader Mitch McConnell cut a deal with Democratic leaders in the upper chamber to clear a slate of President Donald Trump's nominees, one of the top August priorities for the Kentucky Republican.The deal, which permitted 11 nominees to be cleared immediately and another eight to be voted on next week, also will allow senators who missed most of their August recess to go home for a couple of days before many come back at the end of the week to say farewell to their colleague Sen. John McCain, who died last Saturday.McConnell had canceled the August recess after being pushed by restive conservatives in his caucus to stay in session to approve Trump's picks and make progress on oft-delayed spending bills.Many senators hoped the threat would be short-lived but after liberal Democrats bottled up the nominees and refused to relent, McConnell was forced to take time-consuming procedural steps to overcome the filibusters.There is little the minority Democrats can do on their own to stop the nominees, because only a simple majority is needed for them to be confirmed. But Democrats were able to delay OK'ing some of the nominees at least until next week.Democrats insisted on roll call votes for some of the picks, including Richard Clarida -- to be vice chairman of the Federal Reserve Board -- who was confirmed 69-26, and Joseph Hunt -- to be assistant attorney general for the Civil Division of the Department of Justice -- who was confirmed 72-23.The Senate approved several judges by voice votes, a speedier tool when nominees are not considered controversial.One of those judges was Terry Moorer, who was appointed by Trump to be a US district judge in Alabama's Southern District about a year ago.In a statement, Sen. Richard Shelby, an Alabama Republican, praised Moorer's dedication to the Constitution and accused Democrats of "historic obstruction" of Trump's judicial nominees. 1921

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