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Being a small business owner is hard. You work long hours; you put your savings at risk; and you deal with the anxiety of not knowing when your next client is going to come through your door.

Instacart Layoffs: Here’s What the Cuts Mean for Your Side Gig

An Instacart worker shops for corn inside a grocery store.


Instacart worker Saori Okawa shops for produce for a delivery in San Leandro, Calif. Instacart plans to lay off nearly 2,000 employees as it shifts away from having shoppers inside grocery stores. Ben Margot/AP Photo

Grocery delivery service Instacart is laying off nearly 2,000 employees in the coming months as it shifts away from having shoppers embedded in stores.

Instacart unveiled the shift to a new “Partner Pick” model in a post on Medium. Under that model, Instacart will rely more on grocery store employees to fulfill orders. The announcement didn’t say how many in-store shoppers are being laid off, but CBS News reported that 1,877 Instacart employees who work embedded in grocery stores across the country will lose their jobs by March.

Going forward, grocery store employees will play a larger role in preparing pickup orders that customers place through the Instacart app. The result is that the current in-store Instacart employees will no longer be needed at many locations.

What Do the Instacart Layoffs and Changing Services Mean for Your Side Gig?

The March 2021 wave of layoffs is primarily focused on one of the two major side gigs Instacart offers: in-store shoppers. The other major side gig, full-service shopping, is indirectly affected.

In-store shoppers are W-2 employees of Instacart, and they work embedded in partner grocery stores around the country. Typically, they shop and prepare orders for pickup — either by a customer or an Instacart delivery driver who then takes the order directly to the customer’s doorstep.

As of March 2020, Supermarket News reported the company employs about 12,000 in-store shoppers. The layoffs mark an estimated 15% reduction in these types of jobs.

“We know this is an incredibly challenging time for many as we move through the COVID-19 crisis, and we’re doing everything we can to support in-store shoppers through this transition,” Instacart said in an emailed statement to The Penny Hoarder. “We’re also providing all impacted shoppers with separation packages based on their tenure with Instacart.”

Instacart did not clarify whether it plans to cut more in-store shopper positions in the future as the company continues to implement its new Partner Pick model.

The cuts have a rippling effect on the more popular grocery-delivery gigs, known as full-service shoppers. These positions are 1099 independently contracted roles. The folks who work these app-based gigs are not employees of Instacart, technically speaking. The “full-service” part generally refers to the grocery shopping and delivery responsibilities.

Pro Tip

1099 independent contractors aren’t eligible for standard W-2 employee benefits or workplace protections, including health insurance, workers compensation, paid time off and more.

Throughout the pandemic, hundreds of thousands of people have supplemented their income with Instacart’s flexible delivery gigs.

Soon, full-service gig workers will start taking over the new shopping-only orders that will become available on the Instacart worker app.

“As part of this pilot, full-service shoppers at select retailer locations will be able to choose orders to pick, pack and stage — no delivery required,” Instacart said in an announcement.

The company did not share when the new type of orders will go into effect for gig workers.

In an announcement following the news of the Instacart layoffs, Kroger — a grocery chain that partners with Instacart — said it had no part in the decision to cut the in-store shoppers working at its locations. The grocer welcomed affected shoppers to apply to a host of job openings.

In a statement to CBS, Kroger said: “For those who are looking for a career opportunity, we have thousands of retail roles available on jobs.kroger.com.”

Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, remote work and other unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.



Source: thepennyhoarder.com

What Is the FICO Resilience Index?

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Disclaimer

By the end of May 2020, more than 40 million people had filed unemployment claims due to COVID-19 and the resulting economic shutdowns. Governments, charities, and even creditors scrambled to put programs in place to support people during this time while also mitigating future economic fallout.

And this isn’t the first time creditors have found themselves working to support borrowers while worrying about their own bottom lines. It’s an issue that occurred during the 2008 recession and one that occurs regionally during national disasters. The new FICO Resilience Index is a tool that creditors might use to help better prepare for times of economic crisis. Find out more about this Index and how it might impact you below.

What Is the FICO Resilience Index?

The FICO Resilience Index is a numeric score each
person is given. The score is supposed to tell creditors how likely a person is
to continue paying their bills as agreed during an economic downturn.

The Index, which is brought to you by the makers of the
popular FICO Score for creditworthiness, ranges from 1 to 99. In contrast to
credit scores, where a higher number is better, a lower FICO Resilience Index score
is better. Here’s how the range breaks down:

  • 1–44: More resilient to changes in economic
    conditions
  • 45–59: Moderately resilient to changes in
    economic conditions
  • 60–69: Sensitive to changes in economic
    conditions
  • 70–99: Very sensitive to changes in economic
    conditions

So, if you have a FICO Resilience Index of 10, it indicates that there’s a good chance that during economic upheaval such as a pandemic or recession, you’re still going to pay your bills on time. If you score a 90, that’s considered much less likely.

How Is the Resilience Index Different from a Credit Score?

A credit score is meant to indicate the likelihood that you will pay your bills on time and as agreed at any time. The Resilience Index rates how sensitive you might be to economic changes and the likelihood that you may be unable to pay bills during a downturn or crisis.

For example, the top factor in your credit score is
whether or not you pay your bills in a timely manner. Your FICO Resilience
Index score is more concerned by your total balance and number of open
accounts. If you balance is high and you have a lot of open accounts, you may
be less able to pay these off during times of crisis.

Here’s what the FICO Resilience Index looks for:

  • Low total balance on revolving credit in comparison to limits
  • A lower number of open, active credit accounts
  • Fewer hard inquiries within the past 12 months
  • A longer credit age, which indicates more experience managing credit

You can improve your FICO Resilience Index by reducing hard inquiries and not opening new credit accounts unless they’re necessary. But the index relies heaviest on credit utilization. Keeping your credit card and other revolving account balances as low as possible can improve your index score.

ExtraCredit Five Features

Does the FICO Resilience Index Matter to You?

As of mid-2020, the FICO Resilience Index is new, and
not a lot of organizations have integrated it into their lending processes yet.
In the beginning, it might not be especially relevant to consumers. However, as
organizations start to integrate it, there’s a good chance creditors may
consider both your credit score and your resilience number when approving—or
denying—your application.

Where Can You See Your FICO Resilience Index?

To have a FICO Resilience Index score, you must have at least one account that was reported to the credit bureau in question in the past 6 months. You must also have at least one account that is at least six months old.

As of July 2020, the FICO Resilience Index is being
provided in pilot testing to lenders. FICO is partnering with Equifax and
Experian to include the index alongside credit scores when lenders conduct a
hard credit inquiry. As of July 2020, the index scores were not yet made
available to consumers.

Does This New Number Make Credit Scores Less Important?

The FICO Resilience Index doesn’t reduce the importance
of your credit score. Lenders are still concerned with whether or not someone
is a “good risk.” Even with a strong resilience number, you may find yourself
getting turned down for loans or credit cards if you have a poor credit score.

You can’t check your FICO Resilience Index number at this time. But you can check your credit report and scores and make good financial decisions. In many cases, what’s good for your credit score is also good for your Resilience Index. Start today by signing up for Credit.com’s Credit Report Card or ExtraCredit. ExtraCredit offers 28 of your FICO scores for review, and they’re updated regularly—helping you stay on top of your credit trends.

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Refinancing Your USDA Loan Just Got Easier

Refinancing Your USDA Loan Just Got Easier – SmartAsset

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If you live in a rural area, getting a mortgage through the U.S. Department of Agriculture could be a good way to save money on your home purchase. Qualifying buyers can get a USDA loan without having to put any money down. The Department of Agriculture is making these loans even more affordable for existing borrowers by lowering the cost of refinancing. If you bought your home through the USDA program, here’s what you need to know about its streamline refinance program.

Check out our refinance calculator.

Who Qualifies?

As of June 2, 2016, any homeowner with a direct USDA loan or a USDA loan guarantee could be eligible to take advantage of the USDA’s Streamline Refinance Program. Since 2012, the USDA has been testing out new refinancing rules on borrowers in certain states.

All USDA loans are subject to underwriting guidelines. But homeowners who have made at least 12 consecutive, on-time payments over the past year don’t have to undergo a credit check, secure an appraisal or be subject to a debt-to-income calculation (when refinancing for a 30-year term).

According to the Department of Agriculture’s estimates, the typical homeowner should expect to save approximately $150 a month once they refinance through the streamline program. Over the course of a year, that can add up to $1,800 in savings.

Related Article: What Is a Streamline Refinance?

Should You Refinance Your Mortgage?

Just from looking at the numbers, you can see that homeowners can save money by refinancing. In the pilot program, some homeowners who refinanced were saving as much as $600 a month. That kind of reduction in your monthly mortgage payment could have a huge impact on your monthly budget.

But refinancing doesn’t make sense for everyone. If you’ve already paid down a substantial amount of interest on your home, refinancing may not affect your monthly payment that much. And keep in mind that not everyone can qualify for a refinance. You may run into issues if you’ve missed a payment in the past year, for example.

Try out our mortgage calculator.

Also, it’s important to remember that refinancing an existing loan into a new USDA loan doesn’t eliminate the private mortgage insurance premiums you’ll have to pay. USDA loans come with an upfront fee and a monthly premium, both of which are rolled into the loan. They’re added on to your monthly payment, so it’s a good idea to run the numbers to see how refinancing your loan might affect your payments.

The Bottom Line

The USDA’s new refinance guidelines are designed to benefit lower- and middle-income homebuyers with high interest rates. While these changes might offer some homeowners the chance to save money, it’s best to consider the financial implications of refinancing before pulling the trigger.

Photo credit: ©iStock.com/gradyreese, ©iStock.com/DragonImages, ©iStock.com/Izabela Habur

Rebecca Lake Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She’s worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. News and World Report, CreditCards.com and Investopedia. Rebecca is a graduate of the University of South Carolina and she also attended Charleston Southern University as a graduate student. Originally from central Virginia, she now lives on the North Carolina coast along with her two children.
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Former Virginia Estate of Radio and TV Legend Arthur Godfrey Listed for $2.3M

The Virginia equestrian estate once owned by the radio and television host Arthur Godfrey is now on the market for $2.3 million. That price is much less than the late entertainer was asking for the property when he put it on the market way back in 1977—for $6 million.

Of course, there’s a not-so-minor explanation for this. Five decades ago, the property in Paeonian Springs, VA, now 37.7 acres, was quite a bit bigger, 1,967 acres, to be exact.

Even with a reduced footprint, the estate, located about an hour northwest of Washington, DC, still offers multiple homes, barns, and entertainment facilities. A buyer could use it for a plethora of purposes, including as a family compound, bed-and-breakfast, or event venue.

There’s certainly no shortage of living space. The main residence is a 1912 Tudor-style manor house with a whopping 12 fireplaces. Built from imported Flemish brick, the six-bedroom home has a powder room, a formal living room, dining room, a parlor with beamed ceilings, as well as a large modern kitchen with an island and an adjacent breakfast room.

Exterior of house in Paeonian Springs, VA
Exterior of house in Paeonian Springs, VA

realtor.com

The former estate of Arthur Godfrey
The former estate of Arthur Godfrey

realtor.com

Family room
Family room

realtor.com

One of several kitchens
One of several kitchens

realtor.com

In the 1980s, a modern addition expanded the main house and added an extra kitchen, four more bedrooms, and extra public rooms. A detached three-car garage nearby has a one-bedroom apartment.

Modern addition
Modern addition

realtor.com

Living room
Living room

realtor.com

To house a busload of visitors, there’s also a separate “staff house” with 13 bedrooms, 9.5 bathrooms, three kitchens with three living and dining room areas, two conference rooms, and two offices. This structure on its own could serve as a decent hotel.

Additional accommodations
Additional accommodations

realtor.com

The compound also includes a large party barn that was once used as an indoor ice rink. It’s quaintly constructed from 200-year-old timbers reclaimed from a barn in Pennsylvania. Several special events have taken place in the barn, with doubtless more to come.

Party barn made of reclaimed logs
Party barn made of reclaimed logs

realtor.com

Main room of party barn
Main room of party barn

realtor.com

Two other barns complete the offering: a four-stall barn and a 17-stall, center-aisle barn with ample storage for farm equipment and a two-bedroom apartment on the upper level.

The Godfreys maintained a beef cattle ranch and horse farm when they owned the sprawling property. Godfrey’s second wife, Mary, was an avid horsewoman.

Equestrian barn
Equestrian barn

realtor.com

Larger barn
Larger barn

realtor.com

Stalls
Stalls

realtor.com

The property has a bucolic and historic feel, but it is wired for high-speed internet throughout—a boon for a buyer who wants to work from home. Godfrey, who passed away in 1983 at age 79, was quick to adopt the latest technology, and successive owners followed that tradition.

Godfrey was also into aviation. He was a licensed pilot and close friend of the World War I flying ace Eddie Rickenbacker, who became the president of Eastern Airlines.

Rickenbacker tricked out a Douglas DC-3 with executive jet accommodations and gave it to his friend. Godfrey owned the Leesburg airport and used the plane to commute from the estate to the studios where his TV show was produced every Sunday night.

The property has a storied history, and was said at one point to be the biggest and most important social property in the area, second only to the White House. There are also reports that the estate was owned by a Saudi prince after Godfrey sold it.

Godfrey was born in Manhattan, served in the Navy and Coast Guard as a radio specialist, and eventually parlayed his experience into a career as a host on some of the top radio stations on the East Coast.

He moved into television in the early days of the medium, with shows including “Arthur Godfrey’s Talent Scouts,” “Arthur Godfrey Time,” and “Arthur Godfrey and His Friends,” broadcast simultaneously on TV and radio.

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  • For more photos and details, check out the full listing.
  • Homes for sale in Paeonian Springs, VA
  • Learn more about Paeonian Springs, VA

Source: realtor.com

27 Fun Jobs That Pay Well

What’s the first thing that comes to mind when you think about your job?

For many people, a job is simply a necessity in order to cover the expenses of life, but it’s not enjoyable.

If your job is something that you dread each day, have you ever thought about making a change? There are a lot of fun jobs that pay well, offering a rewarding career rather than something that feels like it’s sucking the life out of you.

While we’re all different and no job will appeal to everyone, there are some good options out there regardless of your own interests and your own personality.

27 fun jobs that pay well

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Average salary of a Video Game Designer: $130,000

If you like video games, what job could be more fun than working as a video game designer? Not only will you be able to work on projects that you enjoy, but you’ll also get the satisfaction of creating games that others love.

Like other design-related jobs, this is a career that allows you to utilize your creativity. If you’re naturally creative, this is the type of job you should have in order to find the most satisfaction in your work.

Job Qualifications:

This is one career where your skills are likely to be more important than your education. Many video game jobs will require a degree of some kind, but it’s possible to start a great career with as little as an associate’s degree.

2. Ethical Hacker

Average salary of an Ethical Hacker: $119,289

An ethical hacker is hired by a company to test the security of a computer system, network, or website. The job involves attempting to hack the system and find weaknesses or vulnerabilities.

While there are certainly some unethical ways to make money as a hacker, this career path offers a lucrative option that will actually help companies instead of hurting them.

Job Qualifications:

Of course, you’ll need plenty of technical knowledge and hacking skills. You may need a degree or certification, although the qualifications will vary depending on the job. You’ll also need to be constantly learning to stay on top of new technology and techniques.

3. Pilot

Average salary of a pilot: $108,921

What could be more fun than flying a plane? Working as a pilot is not only enjoyable, but it’s also a very high-paying job.

Instead of sitting in an office, you can spend your working hours 30,000 feet above the ground. Naturally, this job will involve travel, although the specifics will depend on the routes that are assigned to you. Pilots also tend to work non-traditional hours, which may or may not be appealing to you.

Job Qualifications:

The requirements will vary depending on the job. Pilots for major airlines are typically required to have a college degree, as well as extensive training.

4. Wedding Photographer

Average salary of a Wedding Photographer: $104,417

Photography can be a very competitive industry, as it seems like everyone has at least one friend or family member that does photography as a side job. But wedding photography stands out from other types of photography because it’s much more suitable for professionals than hobbyists.

Wedding photographers do face some pressure in their line of work (you only get one chance to capture the moment) but it can be highly rewarding. The cost of a wedding photography package can easily total thousands of dollars.

Not only are wedding photographers paid well, but they also benefit from enjoyable work. You’ll get to use your creative or artistic side, work with a lot of different people, and provide clients with photos that they’ll cherish for years to come.

Job Qualifications:

Most wedding photographers are self-employed (although you could work for someone else as a second shooter) so there are no specific requirements in terms of education. The most important thing is that you’ll need a quality portfolio of photos in order to land clients. You may need to offer your services for very low prices in order to land your first clients and start to building your portfolio.

5. Software Engineer

Average salary of a Software Engineer: $99,729

If you enjoy working on your own and spending a lot of time at a desk, becoming a software engineer could be an excellent career choice.

Whether this job is fun or not will depend on your own personality and your interests, but for the right person, it’s a great job that is very rewarding.

Although you’ll be spending the majority of your time working on your own to code or develop software, you’ll also need to communicate and collaborate with teammates and colleagues.

Job Qualifications:

Most jobs for software engineers or software developers will require a bachelor’s degree in computer science or some other related field. Of course, aside from the degree, you’ll also need skills in the particular coding language being used for the software.

6. Veterinarian

Average salary of a Veterinarian: $96,624

If you’re an animal lover, a career as a veterinarian is likely to be both fun and rewarding. You’ll get to spend your time helping animals and pet owners, and you’ll probably work with a wide variety of types of animals.

Job Qualifications:

As you might expect, the requirements to become a veterinarian are pretty significant. You’ll need a bachelor’s degree plus completion of a Doctor of Veterinary Medicine program.

If you’re interested in this type of job but you’re not able or willing to invest the time and money into the education, it’s possible that you would work another job in a vet’s office to get many of the same benefits, although you won’t be paid as well.

7. Physical Therapist

Average salary of a Physical Therapist: $89,349

Physical therapists help clients with rehabilitation or treatment of chronic issues. If you love working with people and you don’t want to sit at a desk all day, this could be a great career choice for you.

Job Qualifications:

You’ll need a Doctor of Physical Therapy degree in order to work as a physical therapist.

8. Air Traffic Controller

Average salary of an Air Traffic Controller: $84,103

Air traffic controllers are responsible for organizing planes that are landing and taking off, in order to keep everyone safe.

Working as an air traffic controller can be an exciting job, but it does come with a lot of responsibility. You’ll need excellent attention to detail as people’s lives will be in your hands every day.

Job Qualifications:

You’ll need formal training in order to work as an air traffic controller, but there are a few different ways that you can get that training. You could get training through the Federal Aviation Administration, or gain experience in the military.

9. Art Director

Average salary of an Art Director: $78,781

If you enjoy using creativity in your work, becoming an art director could be a wise choice of career. Art directors are generally responsible for overseeing things like advertising, publication layout, photography, and more.

It’s similar to a design role, but you’ll be a manager and responsible for overseeing more than doing the actual design work yourself.

Job Qualifications:

Art director jobs are typically senior level and require a combination of a degree and several years of design experience. If you have the relevant experience, this could be a job that you pursue now. If you’re in the early stages of your career, this could be a long-term goal while you build your experience and resume as a designer.

10. Voice Actor

Average salary of a Voice Actor: $76,297

As a voice actor or voiceover artist, you’ll be reading a script and recording audio to be used in a variety of different ways. Your projects could involve things like creating audiobooks, recording sales videos, creating commercials, and much more.

With the amount of audio and video content being produced these days, working as a voice actor is a great job and these skills are in demand.

Job Qualifications:

Many voice actors work as freelancers, so there are no set requirements in terms of education or experience. If you have some skills, you may be able to start landing clients and building your portfolio. The clips in your portfolio will be the most important factor in your ability to land clients and make money as a voice actor.

11. Web Developer

Average salary of a web developer: $75,073

A job as a web developer is fairly similar to the opportunity that we’ve already discussed for software engineers. Instead of software, you’ll be coding websites or web-based apps.

Job Qualifications:

The qualifications will vary depending on the job. Some development positions will require a degree, however, your coding ability will be more important. You may be able to land a quality job even if you don’t have a degree by having a strong portfolio.

Working as a freelance web developer is also an option. You can either focus on growing your own business, or freelance for the purpose of gaining experience and proving your ability in order to help with landing a job.

12. Helicopter Pilot

Average salary of a Commercial Helicopter Pilot: $67,540

Flying an airplane isn’t the only option if you want to work as a pilot. Helicopters can be even more fun to fly than jets, and the income potential is pretty good.

Job Qualifications:

To work as a helicopter pilot, you’ll need training from an FAA-approved flight school, or you could get the necessary training in the military.

13. Virtual Assistant

Average salary of a Virtual Assistant: $67,115

A virtual assistant will perform administrative tasks remotely, from home or wherever you have an internet connection. The specific tasks can vary widely depending on what the client needs.

Most VAs will work for several different clients, so it’s possible to get a lot of variety in your work. One of the factors that makes this job so appealing is the flexibility. Not only can you work from home, but you can also set your own hours and work as much or as little as you want. This job is equally well suited for part-time and full-time work.

Job Qualifications:

The best way to make money as a VA is to freelance and find your own clients. There are VA jobs available, but they tend to be lower paying. If you want to earn a better income, you should freelance rather than working as an employee.

30 Days or Less to Virtual Assistant Success is a popular course that teaches you everything you need to know in order to start making a great income as a VA.

14. Freelance Writer

Average salary of a Freelance Writer: $63,213

Continuing with another job that can be done from anywhere, working as a freelance writer offers a lot of perks. It’s a flexible job that can be done part-time or full-time, you can use your existing experience or expertise, or choose to focus on topics that interest you.

There is plenty of work available and skilled writers are able to make a great income.

Job Qualifications:

You don’t need any specific education or experience to work as a freelance writer, although writing skills are obviously important. There are entry-level gigs available for those who are just getting started, but you’ll need to build a portfolio and demonstrate your abilities to land the highest-paying jobs.

Check out the course 30 Days Or Less To Freelance Writing Success.

15. Cruise Director

Average salary of a Cruise Director: $63,185

For those who enjoy traveling and entertaining others, working as a cruise director could be a dream job. As a cruise director, you’ll be responsible for the entertainment and activities on a cruise ship.

You’ll manage a staff of workers and organize events to entertain cruise guests. It’s a job that involves a lot of interaction with people, and it can be a lot of fun.

Job Qualifications:

To work as a cruise director, you’ll typically need a bachelor’s degree as well as experience with event planning. You may be interested in gaining experience with other roles on the ship that would prepare you and help you to establish qualifications to be hired as a cruise director.

16. Web Designer

Average salary of a web designer: $60,202

Earlier, we talked about working as a web developer. While developers are responsible for the coding, web designers focus more on the visual aspects. Some web designers also do HTML and CSS coding, while others strictly work on the visual design.

Many web design jobs are remote, so this is another opportunity that can be done from anywhere, depending on the job.

Job Qualifications:

Some web design jobs may require a degree, but your work experience and design ability will be more important than education to most employers. It’s also possible to freelance or even start your own agency, so you don’t have to wait for someone to give you a job in order to become a web designer.

17. Landscape Architect

Average salary of a Landscape Architect: $59,868

Working as a landscape architect is another creative job. You’ll be designing outdoor spaces that people use and love, so it can be a very fun and rewarding job.

You could be designing for residential clients, outdoor spaces for businesses, parks, or other outdoor spaces.

Job Qualifications:

Typically, you’ll need a bachelor’s degree in landscape architecture in order to qualify for a job. Obviously, your experience and portfolio will also play an important role in landing this type of job.

18. DJ

Average salary of a DJ: $58,267

As a disc jockey or DJ, you’ll get to work at fun events and provide entertainment to people. If you love music and being at weddings, parties, and other events, this could be the perfect job for you.

Fun jobs that pay well - DJ

Job Qualifications:

There are no official requirements to become a DJ and since many DJs are self-employed, anyone can start a business and go into this line of work.

19. Sommelier

Average salary of a Sommelier: $56,061

If you love wine, what job could be better than working as a sommelier? As the wine expert, your responsibilities may include things like creating a wine list for a restaurant or making wine recommendations to customers.

Job Qualifications:

There are some organizations that offer certification as a sommelier, although certification is not absolutely essential in order to work in this type of job. You’ll need extensive knowledge of wine and ideally some experience in the industry, which might involve working under another sommelier to gain that experience.

20. Librarian

Average salary of a Librarian: $55,395

While it may not be the first thing that comes to mind when you consider fun jobs, working as a librarian can be a great choice for the right person.

If you love books and enjoy working in a quiet environment, this could be the job for you.

Job Qualifications:

Most head librarian jobs will require a bachelor’s degree and possibly even a master’s degree. However, if you don’t already have the required education, there are other jobs at a library that don’t require a degree.

21. Magician

Average salary of a Magician: $54,071

If you love entertaining and delighting others, why not work as a magician? Performing magic or illusions can be a lot of fun while allowing you to use your skills.

Job Qualifications:

There are no formal requirements to become a magician and no education is needed. Instead, you’ll need the ability to perform tricks and to entertain.

Many magicians are self-employed, but you might be able to gain valuable experience by working as an assistant for another magician.

22. Social Media Manager

Average salary of a Social Media Manager: $50,088

If you already spend hours a day on social media, you should consider working as a social media manager. You would be responsible for managing the social presence of your employer or clients on sites like Facebook, Instagram, Pinterest, Twitter, and other social networks.

A growing number of businesses rely on advertising on social networks like Facebook. You can get paid to set up and manage ads for clients, and this work can be quite lucrative if you’re good at getting results for your clients.

Bobby Hoyt’s Facebook Side Hustle Course will teach you everything you need to know to start your own business managing Facebook ads for clients in your local area.

Job Qualifications:

If you’re looking for employment as a social media manager, you may need a degree. However, you could work as a freelancer or start your own agency regardless of your education. Ultimately, your ability to produce results is much more important (and valuable) than a degree.

23. Restaurant Critic

Average salary of a Restaurant Critic: $50,004

What could be better than getting paid to eat good food? You would be visiting different restaurants on a constant basis, trying the food, and writing your review.

Job Qualifications:

Most food critic jobs will require a degree in journalism or a similar field. However, if you have the desire to become a food critic but you don’t have the education, you could start your own food blog and work on building up your audience. You may get to the point of being able to do it full-time, or the blog may provide you with qualifications that help you to land a job.

24. Event Planner

Average salary of an Event Planner: $49,992

As an event planner, you would get to work with other people planning events like weddings, conferences, parties, and other types of events.

If you enjoy planning and being around people, this could be a great career choice for you.

Job Qualifications:

A bachelor’s degree in hospitality can help, but is not necessarily required. You could find employment as an event planner or start your own business.

25. Makeup Artist

Average salary of a Freelance Makeup Artist: $49,330

As a makeup artist, you may work at weddings or other events, with models, for theater and film products, etc. You could work as an employee or start your own business as a freelancer.

Job Qualifications:

While there aren’t formal requirements to become a makeup artist, licensing or certification can help. Becoming a licensed cosmetologist will help to demonstrate your expertise.

26. Personal Trainer

Average salary of a Personal Trainer: $48,853

If you’re into fitness and you love working with people, especially one-on-one, working as a personal trainer could be a great job for you. You’ll be responsible for developing a training program to meet the needs of the client, as well as providing instruction, encouragement, and motivation.

Job Qualifications:

You’ll need a high school degree and certification by an accredited program. You may be able to find a job as a personal trainer through a local gym, or you could start your own business and find clients on your own.

27. Graphic Designer

Average salary of a Graphic Design $48,283

If you’re artistic and you have some design skills, working as a graphic designer would be a natural choice. Graphic designers can work on a wide variety of projects like logo design, brochure design, advertising design, packaging design, and more.

Job Qualifications:

While your portfolio will be the most important factor in landing work, many graphic design jobs will also require a relevant degree. If you don’t have a degree and you want to start using your abilities right away, you could work as a freelance graphic designer.

There Are Plenty Of Fun Jobs That Pay Well

As you can see, there are plenty of jobs that provide excellent income potential while also allowing you to enjoy your work.

It really comes down to your own interests and skills, so find a job that would be a good option for you and take action. With these fun jobs that pay well being listed, you should have at least a few options to consider.

27 Fun Jobs That Pay Well

Source: biblemoneymatters.com

7 Tools for Protecting Your Walls

Patch up and fix up your old walls yourself with these helpful, easy tips!

By

Bruce and Jeanne Lubin
August 18, 2017

grout, repairing holes in walls, or filling scratches in wood? Use a used-up gift card (or expired credit card) for the job—any unusable hard plastic card will do. And if you’re anything like us, you have plenty of those!

Wall Hole Solution

You’re moving out of an apartment and need to fill in the holes in the wall caused by nails. Just grab a bar of white soap and rub across the hole until the soap fills it. It’s not a permanent fix, but it will make the walls look clean until they can be repainted.

Another Wall Hole Solution

Before spackling small holes in your wall caused by nails, first cut a Q-tip in half and insert in the hole, stick end first. Then spackle as you normally would. The Q-tip will completely fill the hole and ensure you won’t have to go back for a second pass.

Finding Imperfections

Filling and sanding every hole in the wall before you paint can be enough of a pain, but sometimes it’s hard to find every crack, hole, and imperfection. Make your job easier by turning off the lights in a room, then slowly running a flashlight over the entire surface of the wall. The light will cast different shadows in these areas, making them easier to see than they would have been in the daylight.

Got a Screw Loose?

You’ve just struggled to remove a stripped screw from the wall. Now how do you fix the hole? Use a wooden golf tee! First, squirt some wood glue into the hole, then insert the tee as far as it will go, tapping it in place with a hammer. Next, use a utility knife to cut the tee flush with the wall. You’ve now made a stable base for the new screw. Drill a pilot hole into the golf tee, and insert your new screw. Problem solved!