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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

Spending cuts to schools, childhood vaccinations and job-training programs. New taxes on millionaires, cigarettes and legalized marijuana. Borrowing, drawing from rainy day funds and reducing government workers’ pay.These are some actions states are considering to shore up their finances amid a sharp drop in tax revenue caused by the economic fallout from the COVID-19 pandemic.With Congress deadlocked for months on a new coronavirus relief package, many states haven’t had the luxury of waiting to see whether more money is on the way. Some that have delayed budget decisions are growing frustrated by the uncertainty.As the U.S. Senate returns to session Tuesday, some governors and state lawmakers are again urging action on proposals that could provide hundreds of billions of additional dollars to states and local governments.“There is a lot at stake in the next federal stimulus package and, if it’s done wrong, I think it could be catastrophic for California,” said Assemblyman Phil Ting, a Democrat from San Francisco and chairman of the Assembly Budget Committee.The budget that Democratic Gov. Gavin Newsom signed in June includes .1 billion in automatic spending cuts and deferrals that will kick in Oct. 15, unless Congress sends the state billion in additional aid. California’s public schools, colleges, universities and state workers’ salaries all stand to be hit.In Michigan, schools are grappling with uncertainty as they begin classes because the state lacks a budget for the fiscal year that starts Oct. 1.Ryan McLeod, superintendent of the Eastpointe school district near Detroit, said it is trying to reopen with in-person instruction, “but the costs are tremendous” to provide a safe environment for students.“The only answer, really, is to have federal assistance,” McLeod said.Congress approved 0 billion for states and local governments in March. That money was targeted to cover coronavirus-related costs, not to offset declining revenue resulting from the recession.Some state officials, such as Republican Gov. Eric Holcomb of Indiana, are pushing for greater flexibility in spending the money they already received. Others, such as Republican Gov. Mike DeWine of Ohio, say more federal aid is needed, especially to help small businesses and emergency responders working for municipalities with strained budgets.In mid-May, the Democratic-led U.S. House voted to provide nearly trillion of additional aid to states and local governments as part of a broad relief bill. But the legislation has stalled amid disagreements among President Donald Trump’s administration, Republican Senate leaders and Democrats over the size, scope and necessity of another relief package. In general, Republicans want a smaller, less costly version.The prospects for a pre-election COVID-19 relief measure appear to be dimming, with aid to states and local governments one of the key areas of conflict.The bipartisan National Governors Association and Moody’s Analytics have cited a need for about 0 billion in additional aid to states and local governments to avoid major damage to the economy. At least three-quarters of states have lowered their 2021 revenue projections, according to the National Conference of State Legislatures.While Congress has been at loggerheads, many states have pressed forward with budget cuts.Wyoming Gov. Mark Gordon, a Republican, recently announced 0 million of “agonizing” cuts that he described as “just the tip of the iceberg” in addressing a billion budget shortfall caused by the coronavirus and declining revenue from coal and other natural resources. The cuts will reduce funding for childhood vaccinations and eliminate a program to help adults learn new job skills, among other things.“It is not likely that these trends are going to turn around rapidly or as significantly as we would like,” Gordon said.In August, Rhode Island Management and Budget Director Jonathan Womer sent a memo to state agencies instructing them to plan for a 15% cut in the fiscal year that starts next July.In some states, however, the financial outlook is not as dire as some had feared earlier this year.Previous federal legislation pumped money into the economy through business subsidies, larger unemployment benefits and ,200 direct payments to individuals. The resulting consumer spending led to a rebound in sales tax revenue in some states. Many states also delayed their individual income tax deadlines from April to July, which led to a larger than usual influx of summer revenue from taxpayers’ 2019 earnings.In Vermont, where lawmakers are expected to work on a budget next week, a deficit that some had feared could reach 0 million now is pegged around million. A predicted 8 million shortfall in Arizona for the current fiscal year has been revised to just million.Local governments in New Mexico said revenue has been propped up by surprisingly strong sales taxes. But “that sugar high from the federal stimulus will fall off, and our communities will be affected,” said A.J. Forte, executive director of the New Mexico Municipal League.New Mexico Gov. Michelle Lujan Grisham, a Democrat, is urging the Legislature to legalize and tax recreational marijuana as a way to shore up state revenue. Democratic Pennsylvania Gov. Tom Wolf also wants the Legislature to legalize marijuana, with the tax revenue going toward grants for small businesses and criminal justice reforms.State tax revenue often lags economic trends because individuals’ income losses aren’t reflected on tax returns until months later. As a result, experts warn that states might experience the lagging effects of the recession well into their 2021 and 2022 budget years.“The worst is still yet to come,” said Brian Sigritz, director of state fiscal studies at the National Association of State Budget Officers.The 2021 fiscal year began July 1 in most states. But seven states have yet to enact a full-year budget, in some cases because they have been waiting for congressional action on another relief bill.One such state is New Jersey, which shifted the start of its budget year from July to October because of the coronavirus pandemic. Democratic Gov. Phil Murphy recently proposed a budget that would slash about billion in spending, take on billion in debt and raise taxes on millionaires, businesses, yachts, cigarettes and health insurance plans.Murphy has said the initial federal aid didn’t provide enough “to deal with the variety of tsunamis that we’re facing.”In New York, Democratic Gov. Andrew Cuomo’s administration estimates the state will receive about billion less in tax revenue than once expected this fiscal year. Cuomo, who recently became chairman of the National Governors Association, wants Congress to provide an additional billion to New York to plug budget holes that he warns will compound in coming years.“There is no combination of savings, efficiencies, tax increases that could ever come near covering the deficit,” Cuomo said, “and we need the federal government to assist in doing that. Period.”___Associated Press writers Adam Beam in Sacramento, California; Mike Catalini in Trenton, New Jersey; Bob Christie in Phoenix; Tom Davies in Indianapolis; David Eggert in Lansing, Michigan; Mead Gruver in Cheyenne, Wyoming; Morgan Lee in Santa Fe, New Mexico; Marc Levy in Harrisburg, Pennsylvania; Wilson Ring in Stowe, Vermont; Andrew Taylor in Washington; Andrew Welsh-Huggins in Columbus, Ohio; and Marina Villeneuve in Albany, New York, contributed to this report. 7577

Someone in New Jersey is going to have a happy Easter weekend.Friday's Mega Millions drawing produced a single winning ticket in New Jersey, matching every number and the Mega Million number: 11, 28, 31, 46 and 59, plus the Mega Ball 1.The winner will receive an estimated 1 million — or 7 million in cash. The jackpot is the fourth largest in the history of the game.“Hearty congratulations to New Jersey for their big Mega Millions win,” Gordon Medenica, Mega Millions Lead Director and Maryland Lottery and Gaming Director, said. “The whole country can’t wait to meet the newest millionaire, but we all shared in the fun of playing.”Another two tickets, sold in Ohio and Texas, matched five numbers to win million each.California's highest winning tickets will award about ,000 each. The state sold six of those tickets matched four numbers plus the Mega number.In total, 365,581 tickets awarding some prize amount were sold in California. 992

Spotify confirmed to Billboard Thursday that it will no longer promote R. Kelly's music on its editorial and algorithm-based playlists due to sexual misconduct allegations against the singer.In a statement to Billboard, the streaming service said it would no longer actively promote the singer's music under a new "Hateful Conduct" policy."We don’t censor content because of an artist’s or creator’s behavior, but we want our editorial decisions -- what we choose to program -- to reflect our values. When an artist or creator does something that is especially harmful or hateful, it may affect the ways we work with or support that artist or creator," Spotify's policy states.Spotify users can still access Kelly's music by going directly to his page, and users can still add his music to playlists they curate themselves.Kelly has been accused of sexual assault and statutory rape multiple times over the past 20 years. In 2001, a sex tape emerged that prosecutors alleged featured Kelly and an underaged girl. Kelly was found not guilty on 14 counts of child pornography in 2008 in connection with the tape.A number of women came told BuzzFeed in 2017 that Kelly was "brainwashing" victims into joining a sex "cult." Recently two more women came forward to BuzzFeed with similar allegations. Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1415

ST. HELENA, Calif. (AP) — California firefighters are battling destructive new wildfires north of San Francisco as strong winds fan flames in the already badly scorched state.The fires erupted Sunday in the famed Napa-Sonoma wine region north of San Francisco and in far Northern California's Shasta County, forcing hasty neighborhood evacuations.The San Francisco Chronicle is reporting that the flames in wine country engulfed a winery, an inn and multiple homes.A hospital suspended care and transferred patients elsewhere and residents of a senior citizens home were evacuated. California officials say the new fires had burned 17 square miles as of Monday. 669