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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

Spring is here.This turn of the seasons generally brings warmer temperatures and more rainfall -- but what does spring have in store for your part of the country?The National Oceanic and Atmospheric Administration, or NOAA, released their three-month spring outlook Thursday, giving us an idea of what we should expect from April to June in terms of temperatures, droughts and floods. 392

Sonna Anderson was enjoying a horseback ride through the Badlands in North Dakota in September 2017 when her horse, Cody, got spooked, jerked toward a fence and tripped on a cow track in the dirt. The horse rolled onto Anderson, who hit her head, briefly lost consciousness and broke three ribs.The 911 transcript shows that an ambulance reached the 60-year-old judge from Bismarck within 20 minutes. Anderson was secured on a backboard and ready to go when an air ambulance, a helicopter with a medical crew, also landed at the scene. Anderson says her husband asked repeatedly whether the ground ambulance crew could take her by ground; there was a hospital less than an hour's drive away."But he was told that [the air ambulance] was necessary. They never told him why it was necessary or how much it cost, but they insisted I had to go by air ambulance," Anderson said. "But it's so odd there is nothing in the record that indicated it was time-sensitive or that I needed to be airlifted."For that one helicopter ride, to a hospital farther away in Bismarck, records show that Valley Med Flight charged Anderson ,727.26. Sanford Health Plan, her insurance, paid ,697.73. That left Anderson with a ,029.53 bill.Valley Med Flight did not respond to requests for comment."It shocked me," Anderson said. "I kept thinking, 'my God.' I got a copy of the 911 and air ambulance report to see how long they actually spent with me, when really, it was only around 45 minutes. I wrote [the air ambulance company] a letter telling them that I thought it was all outrageous." 1583

Some bars will close for two weeks starting Tuesday under a new decision by Governor Andy Beshear's office.Starting Tuesday at 5 p.m., freestanding bars will close and restaurants will be limited to 25% capacity indoors. Outside seating can remain as long as social distancing measures are in place.This will be in effect for two weeks, until August 11.During the COVID-19 briefing, Gov. Beshear also recommended that schools across Kentucky should postpone in-person instruction until the third week in August.WLEX's Jordan Mickle was first to report this story. 571

SPRINGFIELD, Mo. (AP) — Prosecutors on Friday filed a terrorist threat charge against a 20-year-old man who said he walked into a Missouri store wearing body armor and carrying a loaded rifle and handgun to test whether Walmart would honor his constitutional right to bear arms.The incident, just days after 22 people were killed during an attack at another Walmart in El Paso, Texas, caused a panic at the Springfield, Missouri, store. Dmitriy Andreychenko walked through filming himself with his cell phone Thursday afternoon.No shots were fired and Andreychenko was arrested after he was stopped by an armed off-duty firefighter at the store.RELATED: El Paso Walmart shooting: How to help the victims"Missouri protects the right of people to open carry a firearm, but that does not allow an individual to act in a reckless and criminal manner endangering other citizens," Greene County Prosecuting Attorney Dan Patterson said in a statement announcing the charge. Patterson compared the man's actions to "falsely shouting fire in a theater causing a panic."If convicted, the felony charge of making a terrorist threat in the second degree is punishable by up to four years in prison and a fine of up to ,000, according to the prosecutor's office. The charge means he showed reckless disregard for the risk of causing an evacuation or knowingly caused fear that lives were in danger."I wanted to know if Walmart honored the Second Amendment," a probable cause statement released Friday with the charges quoted Andreychenko as saying.RELATED: Walmart removes displays of violent video games following El Paso shooting, still sells gunAndreychenko started to record himself with his phone while he was still in the car parked at Walmart. He got the body armor from the trunk of his car and put it on before grabbing a shopping cart and walking into the store, according to the statement.Andreychenko said his intention was to buy grocery bags. The rifle had a loaded magazine inserted, but a round was not chambered. A handgun on his right hip was loaded with one round in the chamber.He said he bought the rifle and body armor because of three recent shootings and a stabbing, and said he wanted to protect himself.RELATED: A Walmart employee and a customer helped 140 people escape from the El Paso shootingHis wife, Angelice Andreychenko, told investigators that she warned him it was not a good idea, adding that he was an immature boy.His sister, Anastasia Andreychenko, said he had asked her if she would videotape him going into Walmart with a gun and she also told him it was a bad idea, according to the probable cause statement.The statement does not allege that he pointed the weapons at anyone, although patrons in the surveillance video could be seen in the background running away.Walmart issued a statement Friday that praised authorities for stopping the incident from escalating. It said Andreychenko is no longer welcome in its stores."This was a reckless act designed to scare people, disrupt our business and it put our associates and customers at risk," said spokeswoman LeMia Jenkins. "We applaud the quick actions of our associates to evacuate customers from our store, and we're thankful no one was injured."Since January 2017, Missouri has not required a permit to openly or conceal carry a firearm for those 19 years or older. Roughly 30 states allow the open carrying of handguns and rifles and shotguns in public without a permit.San Francisco-based Giffords Law Center to Prevent Gun Violence said six states generally prohibit the open carrying of rifles and shotguns — California, Florida, Illinois, Massachusetts, Minnesota, and New Jersey — along with the District of Columbia, the law center said.California, Florida and Illinois also generally ban the open carry of handguns, as do New York and South Carolina.Springfield is about 165 miles (266 kilometers) south of Kansas City, Missouri. 3935