X-Men stars could join Avengers — or be out of jobs

Associated Press

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Alphabet-backed Clover Health is cutting tech jobs after realizing it needs more health-care experts

Clover Health is cutting about a quarter of its workforce so it can focus on hiring people with an expertise in clinical care and insurance.
Health and Science

U.S.HEALTHCARE UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Here Are the 13 Best Second Jobs — Plus What You Need to Land One

Are you thinking about taking on a second job?

Sometimes called “side hustles” or “side gigs,” they can be a great way to supplement your income to pay off bills, grow savings and have some extra cash in your wallet. Also, these gigs might lead to opportunities to develop new skills or explore your passions.

But before you sign up for part-time work or dive head first into an independent-contractor gig, you have to think about which side jobs are best for you. With that in mind, here are some tips on how to find the right second job — plus 13 gigs to consider.

How to Find the Right Second Job

Here are some specific questions to ask yourself about a gig and your situation when hunting for a second job.

Will This Gig Interfere With My Day Job?

When searching for the best second job for yourself, make sure it will not cause conflicts with your regular job. The last thing you want to do is get fired from your day job in pursuit of a second job.

Every company is different, and some may have strict guidelines on what you can and can’t do regarding side hustles. Take some time to look through your company’s employee handbook or schedule a meeting with your human resources manager to find out for sure. Once you figure out that you can do a second job, look for ones that can be done during your off hours.

How Flexible Is Your Schedule?

Although you may be able to find a second job that has some schedule flexibility, you also need to be willing to make changes to your personal schedule. This means being willing to do your side gig before or after work or eliminating nonessential activities.

McKinzie Bean, who runs the website Moms Make Cents, recommends recording your schedule for one week to find which events, like bingeing on Netflix on a Tuesday night, you can cut.

“Just see which pieces you’re willing to give up because it is going to take some sacrifice to get to that point where your business is growing,” she says.

Will You Need Additional Training?

When narrowing down your list of potential second jobs, keep in mind that not all gigs will be available right away. Some jobs may require a specific skill certification. Some industries have official certifying bodies that conduct competency tests that allow people to work within a field for a period of time.

If you don’t have a certification needed in your field, factor in some extra schooling or studying before opening up shop.

“They’re looking for reasons to hire candidates,” says Tim Gates, senior regional vice president at Adecco Staffing. “So if they see anything that’s relevant to their industry, to their company, to the specific position, it’s definitely going to help to make that candidate more attractive.”

One way to learn additional skills is by signing up for massive open online courses. These 100% online courses can be completed at your own pace, offering online certifications in personal branding and social media literacy.

Having these certifications shows employers that you have ambition, says Robin Colner, director of Fordham University’s certificate program in digital and social media.

“It shows a desire and an understanding of the marketplace, which every employer wants,” she says.

Where Do You Want to Work?

So, where do you want to conduct your second job? Are you interested in being an assistant in an office, a sales associate in a store, a server in a restaurant or a ride-share driver in your car?

If going to another business after work to do your second job doesn’t sound appealing, then consider looking for a work-from-home job. Check out The Penny Hoarder’s Work-From-Home Jobs Portal for jobs such as customer service associates, part-time English tutors, transcriptionists and much more.

What Are You Looking for in This Job?  

Ask yourself what you’re trying to get out of your side gig. Are you trying to find a second job that pays a lot of money, expands your skills or explores a passion? What if you don’t know what job is best for you?

If you don’t know where to begin, write down your strengths on a piece of paper and what you’re looking for in a second job. This piece of paper can be a reference point to help with in your search to find your marketable skill.

In addition, consult your friends and coworkers to find out what skills they think you excel at. Their observations may help you figure out which job is best for you.

“Until someone else sees that [skill] in you, you don’t realize it’s a unique skill or a skill [other] people are having trouble with,” says Sol Rosenbaum, who runs The Engineering Mentor, a website that helps engineers develop interpersonal skills such as communicating and collaborating.

The Best Second Jobs

If you don’t already have a specific side gig in mind, here are some second-job ideas to consider. These jobs are broken down into categories, including service industry, smartphone apps and work-from-home.

App-Based Gig Jobs

Two english bulldogs on leashes

Thanks to smartphones, app-based gig jobs have risen in popularity in recent years. Companies such as Uber and Lyft, Rover and GrubHub make it easier for people to accept jobs on the fly and work a flexible schedule. Here is a breakdown of some of the more popular gig jobs involving smartphone apps.

1. Ride-share Driver

Turn your car into a taxi on your terms. Try driving with Lyft!

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $ 750 a week as a driver.

Best of all, he could do it on his own time. You can work days, nights or weekends — it’s up to you!

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

2. Grocery Shopper

Not comfortable with driving strangers around? How about picking up groceries instead? Shipt and Instacart are two services that deliver supermarket essentials to a customer’s door. Drivers for the services receive an order, go to the store, pick out the items and drop them off.

Destiny Frith of Nashville, Tennessee, told The Penny Hoarder she earns about $ 600 in a 35-hour workweek as a Shipt shopper.

3. Meal Delivery

Luckily, there are other food-delivery options for people who don’t want to wait in the deli line for someone else’s cold cuts. With meal-delivery services like Uber Eats, Grubhub and DoorDash, drivers will pick up customers’ take-out orders from restaurants and deliver the items to them.

According to Uber Eats, the amount of money drivers earn depends on several factors, such as when they work, demand for deliveries and tips. Drivers earn pickup, drop-off and trip mileage fees. Uber takes a cut of the overall payout, but drivers keep 100% of their tips.

Like traditional Uber, surge pricing can boost your pay during popular times, and Uber’s Instant Pay feature lets you access your pay from trips immediately after they conclude — for a 50 cent fee each time — up to five times per day.

4. Dog Walking  

If you’re looking for a flexible, independent way to earn money — and you love hanging out with dogs — Rover might be your perfect gig.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover says sitters can earn as much as $ 1,000 a month.

Rover dog-sitter requirements vary by location. In general, you must:

  • Be 18 years or older.
  • Pass a background check.
  • Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

5. Odd Jobs

For those who are a little more handy around the house and don’t want to be stuck in a car all day, think about putting your odd-job skills to good use.

TaskRabbit, a service that connects workers with people who need help at home, lists a variety of tasks that people can accept, including assembling furniture, mounting TVs, cleaning and more.

According to Brittany Benson, a TaskRabbit spokeswoman, “Taskers” in the United States earn an average of $ 35 per hour. Check out our overview of how to make money on TaskRabbit.

Service Industry

The service industry depends on people looking for extra work as servers and bartenders. The hours and pay can vary depending on the type of establishment, so make sure these shifts will not interfere with your day job.

6. Restaurant Server

Since most servers rely on tips, do your best to find busy restaurants that have expensive food and drink. That way, you have a better chance to get a more lucrative tip at the bottom of the receipt. Restaurant servers earn $ 8.33 per hour, including tips, according to a The Penny Hoarder analysis of U.S. Census Bureau data.  

7. Bartender

You may need some previous experience behind a bar before getting a gig serving cocktails. Bartenders earn $ 11.54 per hour, including tips, according to a The Penny Hoarder analysis of U.S. Census Bureau data. If you have the necessary know-how to become a bartender, try out these 16 tricks to maximize your tip income.

8. Fast-Food Worker

Working in a fast-food restaurant is a common first job for high schoolers, but now may be the time to give it another shot.

Some of the biggest fast-food chains have added more benefits for their employees. McDonald’s announced in early 2018 that it was planning to expand its college tuition assistance program. A few months later, KFC started offering employees access to personal finance education and budgeting software. Fast-food workers earn $ 6.41 per hour, according to a The Penny Hoarder analysis of U.S. Census Bureau data.

Work From Home

Young woman working at home

Work-from-home jobs are a great option if leaving your day job and going straight to another gig doesn’t sound appealing. These jobs offer the flexibility to do your duties from the comfort of your home office.

9. Customer Service Associate

These gigs come in many forms, requiring reps to resolve issues for customers on the phone and by chat and email. Fields include technology, health care and finance. Customer service jobs require patience, a desire to help people and a proper computer setup. Check out the customer service jobs available on The Penny Hoarder Work-From-Home Jobs Portal for more information.

10. Freelance and Creative Writing

So you have a way with words. Why not get paid to use them? You can find opportunities to get paid to write copy and original creative writing pieces. One of the ways to make your writing more in-demand is to focus on a specific niche or topic, such as finance or technology.

Also, stay away from writing for sites and services that pay little per article. Those articles usually need to be written in a hurry and are not worthy to be clips in your professional portfolio.

If you’re interested in getting paid for your original creative writing pieces, then sign up for a submission-management website, such as Submittable or Duotrope, says Jerrod Schwarz, a creative writing professor at the University of Tampa and a managing editor of Driftwood Press Literary Magazine.

Here’s a breakdown on how to make more money as a freelance writer and a list of magazines that pay for creative writing submissions.

11. Teaching English as a Second Language

If you’re a former teacher looking to make some money from home, you should check out VIPKid, Qkids or Italki. These companies connect U.S. instructors with students who want to learn English.

According to the Qkids website, most online teachers work 10 to 20 hours per week and earn between $ 16 and $ 20, including loyalty bonuses.

Jennifer Ross, a former schoolteacher who now works for VIPKid, told The Penny Hoarder in 2018 she makes more than $ 520 working 24 hours a week.

12. Online Tutoring

Another teaching opportunity available outside the classroom is online tutoring. Several companies give educators a chance to help students while working from the comfort of home.

Tutors with Chegg, for example, earn $ 20 or more per hour teaching grades 6-12, college and working professionals in topics such as calculus, computer science, zoology — and more.

Most companies require teachers to have a bachelor’s degree or be working toward one. But not all companies, like Tutor.com or Yup, require previous teaching experience. Here’s a roundup of work-from-home online tutoring companies.

13. E-Commerce Seller

Maybe you’re not interested in working in a service-industry gig and want to explore your crafty side. Thanks to the popularity of platforms like Etsy, eBay and Facebook Marketplace, craft merchants and small business owners have an outlet to sell their goods.

Etsy seller Lena Gosik-Wolfe encourages new sellers to do their due diligence in the beginning by obtaining the necessary tax documents, business licenses and web domain for their companies before making a first sale.

“It’s better to take it seriously and get that stuff in order from the start rather than having to go back and fix it later on,” she says. If you’re considering selling on Etsy, here are five more tips to help boost your sales.

In addition to Etsy, craft sellers can open up online stores using Amazon and Shopify. One of the benefits of selling on Amazon is the sheer number of people who use the site every day.

The downside is that there’s increased competition from people selling similar products. An upside is that sellers have access to features such as Prime and Fulfillment by Amazon.

Shopify is another option for sellers who prefer control over their online store to merely listing their goods on a large aggregate like Etsy. Shopify is user-friendly for sellers who aren’t especially tech-savvy, offering more than 100 free, customizable online store templates. Find out more about different e-commerce services here.

Matt Reinstetle is a staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Societe General reportedly plans to cut thousands of jobs at investment bank

French bank Societe General is planning to cut thousands of jobs at its global banking and investor solutions unit, as it looks to offset cost pressure from regulation, Bloomberg reported.
Top News & Analysis

COMMUNITY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Hickey Freeman to Add Jobs at Rochester, N.Y., Factory

Hickey Freeman is staffing up in Rochester, N.Y.
New York Gov. Andrew M. Cuomo said Wednesday that Luxury Men’s Apparel Group, the parent of Hickey Freeman, has committed to creating up to 80 jobs over the next three years at its factory in the upstate city. LMAG has also said it would retain the current 420 positions in the factory. 
“Hickey Freeman has been a fixture of Rochester’s business and manufacturing community for generations, and this investment will ensure it remains part of the city’s economic fabric for decades to come,” Cuomo said. “We are proud to support the expansion of this iconic Rochester company, creating quality jobs for hardworking residents and moving the Finger Lakes forward.”
The announcement was made in Rochester by Lt. Gov. Kathy Hochul. In exchange for the investment, New York State will provide $ 4 million through a Finger Lakes Forward Upstate Revitalization Initiative convertible loan. The factory is in the process of upgrading its facility, a project that is expected to be completed by the end of this year and cost $ 8.2 million. 
Stephen Granovsky, chairman and chief executive officer of LMAG, said, “This year Hickey Freeman turns 120…we intend to re-engineer this factory enabling our clothing to be manufactured for

Follow WWD on Twitter or become a fan on Facebook.

Read More…
WWDWWD

BEST DISCOUNT UPDATE:

Artificial intelligence is coming for these types of jobs

Robots aren’t replacing everyone, but a quarter of US jobs will be severely disrupted as artificial intelligence accelerates the automation of existing work, according to a new Brookings Institution report. Thursday’s report from the Washington think tank says roughly 36 million Americans hold jobs with “high exposure” to automation — meaning at least 70 percent…
Technology News & Reviews | New York Post

SPECIAL SHOE DISCOUNT:

These are the jobs that get the most swipes right on dating sites

Apparently.

relationship challenge, she's all that

Dating isn’t exactly a walk in the park these days. We’re getting all too used to cushioning, ghosting, stashing and sneating, and the dating trends of 2019 don’t exactly offer a glimmer of hope, either.

And if you’re using an app to find the cherry to your bakewell, you’ll know how quickly you make your mind up about someone. Based on a bunch of pictures and a bio, we make assumptions and judgements in a matter of seconds. Enjoys brunches, lazy Sundays, and has a cute dog? Instant swipe right.

But there’s another thing we’re judging when flicking through the books for a potential partner. Apparently, their job plays an important role. When separating the wheat from the chaff so to speak, we’re reportedly drawn to some careers more than others.

According to a new survey from Badoo, the most attractive job for men is a chef and for women, a hairdresser. Participants were aged between 18 and 30, and appear to prefer more hands-on professions.

Most desirable jobs for men:

  1. Chef
  2. Engineer
  3. Entrepreneur
  4. Marketing
  5. Artist

Most desirable jobs for women:

  1. Hairdresser
  2. Nurse
  3. Lawyer
  4. Entrepreneur
  5. Teacher

It’s a different story if you talk to the masterminds over at Tinder, however. Their recent study showed that the top job for men was a pilot, and the top job for women was a physical therapist.

Just to confuse you even more, data collected from Match.com also doesn’t quite relate to its competitors, with the website claiming that the most desirable men are doctors, and women are freelancers.

So there you go.

The post These are the jobs that get the most swipes right on dating sites appeared first on Marie Claire.

Marie Claire

BEST DEAL UPDATE:

Style Your Home’s Outdoors with All the Perfect Additions from MacKenzie-Childs! Save on Tables, House Letters & Chairs. Shop Now!

Strong Jobs Data, Powell Comments Lead To Rally On Wall Street – U.S. Commentary

Stocks showed a substantial move to the upside over the course of the trading day on Friday, more than offsetting the sharp pullback seen in the previous session. The major averages all moved significantly higher, with the tech-heavy Nasdaq leading the way.
RTT – Top Story

BEST DEAL UPDATE:

Dow surges 600 points on Fed chairman’s remarks, jobs report

Wall Street got a welcome reprieve Friday, courtesy of Federal Reserve Chairman Jay Powell and the Labor Department. Powell — publicly pilloried by President Trump over his recent moves to hike interest rates — on Friday signaled he’s willing to back off plans to hike rates twice this year after raising them last month. Separately,…
Business | New York Post

SPECIAL DISCOUNT UPDATE:

Insured But Still In Debt: 5 Jobs Pulling In $100K A Year No Match For Medical Bills

Robert and Tiffany Cano of San Tan Valley, Ariz., have a new marriage, a new house and a 10-month-old son, Brody, who is delighted by his ability to blow raspberries.

They also have a stack of medical bills that threatens to undermine it all.

In the months since their sturdy, brown-eyed boy was born, the Canos have acquired more than $ 12,000 in medical debt — so much that they need a spreadsheet to track what they owe to hospitals and doctors.

“I’m on these payment arrangements that are killing us,” said Tiffany Cano, 37, who has spent her lunch hours on the phone negotiating payoff plans that now total $ 700 a month. “My husband is working four jobs. I work full time. We’re a hardworking family doing our best and not getting anywhere.”

The pair, who earn nearly $ 100,000 a year, are insured and have had no major illnesses or injuries. Still, the Canos are among the 1 in 4 Americans who report in multiple polls that the high cost of health care is the biggest concern facing their families. And they’re at risk of joining the 62 percent of people who file for bankruptcy tied to medical bills.

“Oh, yes, that worry is always in the back of my mind,” Tiffany said.

The family is part of a struggling group: middle-class folks who have followed the rules and paid for employer-based medical insurance, only to find that soaring health care costs — combined with high deductibles, high copayments and surprise medical bills — leave them vulnerable.

“I thought we’d be covered, and it’s just not enough coverage at all,” she said.

Robert Cano, also 37, had family health insurance for 2018 through his job as a manager at a large-chain retail store, for which he pays nearly $ 500 per month. The plan’s $ 3,000 annual deductible and 40 percent coinsurance fees have added up faster than the Canos anticipated.

First came the nearly $ 4,000 bill from the in-network hospital where Brody was born Jan. 2, followed by separate fees from the anesthesiologist and the doctor who performed the routine delivery. Then, at 2 months, Brody was hospitalized with breathing problems doctors said could be related to allergies or asthma. In May, Tiffany came down with a stomach virus that sent her to the emergency room for drugs to treat nausea and dehydration. In October, the baby developed a bad case of bacterial conjunctivitis, or pinkeye.

“It’s been, like, $ 300 here, $ 700 there,” said Tiffany. “We had a hospital bill for him being sick of, like, $ 1,800.” Unable initially to find a pediatrician she liked, Tiffany has agonized over whether to use the ER when Brody gets sick. When he had pinkeye, she debated whether to take him in, hoping it would get better on its own.

Then he got worse, she said, pulling up a photo on her phone of her son with half-moons of red, puffy flesh under his dark eyes.

“I let him suffer for a day like that,” she said.

The Canos lost their first child, a girl, midway through her pregnancy in 2016. Tiffany acknowledges that experience has left her more anxious than the average first-time mom.

“It gave me so much fear that something would happen to him,” she said.

As for their own health care needs, the couple put themselves lower on the priority list. Tiffany has used a prosthetic limb since childhood, when her lower left leg was amputated because of a birth defect.

She needs a new prosthesis because her body changed during pregnancy, but she can’t see how to afford it.

Tiffany Cano with her son, Brody. Cano was born with birth defects that left her with only three fingers on her right hand and a left leg that had to be amputated below the knee during childhood. Because of physical changes during pregnancy, her five-year-old prosthetic leg no longer fits, but she can’t afford her share of the cost of the new limb.

A model suitable for the busy life of a working mom would easily cost $ 10,000 to $ 15,000, according to Tom Fise, executive director of the American Orthotic & Prosthetic Association.

“I try to push through,” Tiffany said. “I put on that brave face of just walking, but it’s so painful to walk. I have bruises all over my leg. I get blisters all the time.” Lately, she’s been wearing an old prosthesis, one she used in high school, because it’s more comfortable.

The Canos don’t know how exactly they fell into such debt, since they tried hard to make responsible decisions. After meeting three years ago, they knew quickly that they wanted to marry and have a family.

“I waited until I found the right guy,” said Tiffany, who was thrilled when, in 2016, they were able to afford a 2,500-square-foot, two-story home in one of the stucco-and-tile neighborhoods an hour outside Phoenix.

But, taken together, the medical payment plans and premiums are almost as much as their $ 1,300 monthly mortgage. All told, the Canos spend about 15 percent of their annual income on health care, almost three times the average for non-Medicare households in the U.S.

That leaves too little for day care, car payments, gas, food and dozens of other domestic expenses, Tiffany said.

For 17 years, Robert Cano had comprehensive health insurance through his job as a soldier in the Army Reserve and paid little or nothing for medical care. He left the Army in 2017, however, after he learned he would be deployed for an extended time away from his wife and new son.

“I told them, ‘I have to be at home,’” he recalled. The Army insurance ended on Dec. 31, 2017, two days before Brody was born.

That meant moving to his employer’s insurance plan. Like more than 40 percent of 152 million Americans who get health insurance through work, the Canos are enrolled in a plan that demands thousands of dollars before any coverage kicks in.

The couple discovered that they earn too much to qualify for financial assistance from medical providers, or for subsidies if they shifted their insurance to a plan under the federal health insurance exchange. She is a full-time bank compliance officer. He is a full-time store manager.

Tiffany wrote to KHN after seeing stories about sky-high medical bills on TV. Dr. Merrit Quarum, the chief executive of WellRithms, a health care consulting firm, reviewed the family’s medical bills and the responses from their health care providers.

Though Quarum had questions about some of the fees in the itemized bills — $ 4 for a 600-milligram ibuprofen tablet? $ 3,125 to place an epidural? — he found the charges were legitimate under the terms of the contract between the hospital and the Canos’ insurer. Tiffany’s only recourse was to set up the five payment plans she navigates each month.

“I wish I could say it wasn’t so, but it is,” Quarum said.

Robert Cano plays with his 10-month-old son, Brody, before leaving for work on a recent Saturday morning.(Heidi de Marco/KHN)

Robert Cano of San Tan Valley, Ariz., gets ready for work on Oct. 20, 2018. He estimates he works up to 120 hours a week, mostly to cover the extra costs of his family’s health care. In addition to his retail job, he is a substitute teacher and a nighttime security guard, and delivers sandwiches for a fast-food chain.(Heidi de Marco/KHN)

Tiffany Cano feeds 10-month-old Brody on Oct. 20, 2018. She works 40 hours a week at a local bank as a compliance officer, commuting more than 90 minutes each way, while Brody attends a local day care center. Because her husband works so much, she says, she often feels as if she’s raising their son alone.(Heidi de Marco/KHN)

Mostly to pay off that health care debt, Robert has taken several part-time gigs this year — he works as a substitute teacher and a nighttime security guard and delivers sandwiches for a fast-food chain in Scottsdale, 40 miles away, where tips are better. He said he sometimes works up to 120 hours in a week.

“I’m not ashamed or embarrassed, even as old as I am, to deliver sandwiches,” he said, pulling on his retail chain polo shirt before rushing to a Saturday morning shift.

He continued: “I know people, they’d rather get food stamps and feel sorry for themselves. But I’m a fighter. I will not give up. … If I can bring in an extra $ 400 a week or $ 800 a month, she can get what she needs for the baby.”

Often getting home after midnight, he keeps shampoo and shaving cream in his car and naps in parking lots between jobs, relying on Red Bull and aspirin to stay alert.

That means on many nights, when Tiffany picks up Brody from day care after her 90-minute commute, she handles most of the chores at home.

“Sometimes I feel like a single mom because my husband is never around,” she said.

She carefully tracks the family’s medical expenses, trying to juggle them with ordinary outlays that can’t wait — like $ 500 for the brakes that went out on her car this month.

At the rate they’re going, the bills won’t be paid until Brody is 3, Tiffany said. The Canos are getting older and they’d like to have another baby before it’s too late, but, for now, that seems impossible.

For 2019, the couple have decided to switch to a different plan offered through the regional bank where Tiffany works. The premium is higher — $ 650 a month — but the deductible is $ 1,500 with just 10 percent coinsurance.

“It is going to be a lot more per paycheck, which is going to hurt us,” Tiffany said. “But after what just happened, I want to make sure we are prepared in case anything does occur.”

How to fix a health care system that burdens middle-class families so heavily is beyond her, she said.

“The only thing we can do is just keep working,” Tiffany said. “I always wonder: How does everybody else do it?”


KHN’s coverage of children’s health care issues is supported in part by the Heising-Simons Foundation.

Kaiser Health News

BEST DEAL UPDATE:

Shutdown won’t stop key jobs report or CPI, but other data could be impacted

The partial government shutdown will have some impact on the release of market-moving economic data, though the biggest reports likely won't be affected.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

The Dark Side of Steve Jobs, As Seen By His Daughter

This article first appeared in Data Sheet, Fortune’s daily newsletter on the top tech news. To get it delivered daily to your in-box, sign up here.

In the final pages of her heartbreaking memoir about her childhood, Small Fry, Lisa Brennan-Jobs addresses head on one of the central unanswered questions about her accomplished, famous and appallingly cruel father, Steve Jobs. “When people speak and write about my father’s meanness, they sometimes assume that meanness is linked to genius,” she writes. It’s a variation of the “asshole” hypothesis so many in Silicon Valley posit all the time: Is it necessary to be an asshole, like Steve Jobs was, to achieve greatness?

Brennan-Jobs, who devotes perhaps one page out of nearly 400 to her father’s business affairs, has come to her own conclusion. “Maybe the meanness protected the part that created–so that acting mean to approximate genius is as foolish as trying to be successful by copying his lisp or his walk” or other Jobsian mannerisms.

This is a haunting book. Apologists for Steve Jobs tend to talk about his charisma, his great charm, his uncanny ability to be right. They tend to dismiss or change the subject from his dark side. His eldest child, whose paternity he denied before being compelled in court to accept, sees the good in him, too. But her patient, beautifully written account of how he treated her from a young age almost to the day he died is blot on his reputation. No parent or sibling or child can read this book and not come away empathizing with its author and reviling the character around whom her story revolves.

If your goal in reading books is to be a better manager or spot future trends or to understand Apple’s secrets, this is the wrong book for you. If, on the other hand, you want to gain insight into the man whose company revolutionized industries even as he played the ogre to a defenseless child, I highly recommend it.

***

Speaking of Apple, The Wall Street Journal had a good piece of insight over the weekend, explaining how Apple’s


aapl



geographic expansion last week neatly informs its ongoing strategy of offering services, higher-priced phones, and original content. The paper wrote: “Culver City gives Apple a Hollywood home base as it pushes into video programming. Seattle is a machine-learning hub where it can develop algorithms that personalize streaming-music playlists and improve Siri. San Diego and Austin offer semiconductor engineers who can advance the customized-chip efforts that help Apple wring more money out of its iPhones, iPads, and Macs.”

***

I also recommend The Journal‘s tour de force explanation of GE’s demise under Jeff Immelt. The article nicely builds out the angle Fortune‘s Geoff Colvin explored recently in his piece about the travails of activist investor Nelson Peltz in owning GE’s stock. The reading public will get even more on this subject. Financial journalist, and sometimes Fortune contributor, William Cohan, recently signed a deal to write a book on the rise and fall of GE


ge



.

Fortune

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

This Couple Made Enough Dough Baking Biscuits to Quit Their Teaching Jobs

Sometimes when an opportunity arises, you just gotta roll with it.

Jesse Thompson and Lee Valenti were school teachers who dreamed of opening a learning center they’d call Hey Giant Robot, but they needed a way to fund it.

They decided to raise money by baking biscuits to sell at a pop-up market within the learning center.

“We were thinking we could sell them and make a couple hundred bucks on the weekend,” says Thompson, 39, who recalls they’d bake 500 biscuits and sell them for $ 3 to $ 4 a pair. “But then every weekend, we were selling out, and people were lining up.”

Within three months, the couple realized they didn’t have a side hustle baking biscuits to support their learning center.

They had a biscuit-baking business.

“We decided to flip our model,” Thompson says.

Instead of selling biscuits out of the learning center, they housed the learning center inside a bakery.

The couple found a location in Tampa, Florida, that could handle both the baking and the learning. They retained a bit of their original idea for the establishment’s name: Hey Giant! Little Biscuits.

A year and a half later, the biscuit shop employs six to seven part-time workers and costs an average of $ 15,000 per month to operate — “right now our profits range somewhere in $ 3,000 to $ 5,000 a month,” Thompson adds.

Valenti, 41, quit her teaching job last year when the couple realized that she could match her $ 45,000 annual salary by running the shop.

“Starting out, it was the goal to make almost the same or, if not, just a little bit less than what I was making teaching,” says Valenti, who attributes much of the business’s growth to catering events. “We did that fairly quickly.”

This year, Thompson quit his job so they could open a second location.

The pair aren’t alone in trying their hands at baking — here’s another baker who turned her passion into a sweet gig. There are 7,757 retail bakeries in the U.S. as of the first quarter in 2018, according to the Bureau of Labor Statistics. That’s a 14.6% increase since 2008.

But that doesn’t mean the baking business was everything Thompson and Valenti dreamed of.

Our vision of what we thought running a biscuit shop would be like was completely different than what it actually is,” Thompson says. “You think, oh, this is going to be cool — make a couple biscuits, hang out all day and when it’s slow, just sit and read some books.

“No, there’s none of that — we’re constantly making food.”

And although the path was unexpected, Thompson and Valenti say that starting over with new careers isn’t as much of a pie-in-the-sky idea as you might think.

Recognizing an Opportunity

Details of a person preparing biscuits and baked biscuits

From the beginning, the couple set themselves up for the possibility of expansion — just in case.

“When we tested the waters with our pop-up, we said, ‘Let’s rent a space and get the licensing,’” Thompson says. “‘Because if this works out, we can keep going forward. And if it doesn’t, then we’re not out too much — it’s going to be a meager Christmas, but that’s it.’”

Investing time and money turned out to be the incentive the couple needed to make some big decisions early on.

It was too much work to be half in,” Valenti says, and Thompson adds, “If you don’t find some level of commitment, you’re less motivated to keep driving forward.”

Transferable Skills

A man greets a customers at a biscuit shop

Although neither had previous experience in the food-service industry, Thompson and Valenti did bring translatable skills from their previous careers.

We’ve relied on and applied our teaching methods and our classroom management,” Thompson says. “You have to deal with different types of learners, and that flexibility on the management side has helped.”

Serving up biscuits behind the counter during a mid-morning rush, the pair calls out to customers by name — looking a lot like teachers at the head of a classroom.

After spending most of their professional careers in teaching, Thompson admits the couple misses certain elements of their old life — particularly when they attended an open house at their children’s school and realized they wouldn’t be setting up their own classrooms.

“If you do a career for 15 to 20 years, like we have with teaching and education, you’re going to miss it,” Thompson says. “There are certain routines and certain ways of life that you’re just used to.”

But the biscuit business has also offered the creative control that was sometimes missing from teaching, Valenti points out.

“Teaching is creative, but for us, we needed another outlet of something we ran,” Valenti says. “The biscuit shop is cooking, but it’s also a creative outlet for us — where we design the place, we make the menu, we make the recipes.

“It really feeds something that both of us are always looking for.”

Not Losing Sight of the Goal

The couple may have discovered a great way to make some dough, but what about their original idea, the learning center?

Thompson describes their vision for the first location as a junky robot repair shop that kids could explore before entering the learning center hidden in the back.

“None of that was realistic,” he says with a laugh.

The learning center is instead housed in a room off the main bakery, hidden behind a sliding chalkboard door that announces Biscuit Specials like Mississippi Maple and Nutter Butter Fluffer Nutter.

Staffed by volunteers, the center offers free tutoring, writing workshops and art classes after the bakery closes for the evening and on weekends.

Thompson notes that, although they enjoy baking, he and Valenti still consider the shop a way to fund their learning center.

“Being part of the learning community and sparking creativity is kind of our ultimate goal,” Thompson says. “We love making biscuits, but if we could [operate the center] full time, we would.”

Taking a Chance on New Careers

A couple pose for a portrait

The couple agrees that, despite the risks of leaving steady teaching jobs for the uncertainty of the culinary world, they have no regrets.

“You have those conversations of, ‘Wouldn’t it be great if one day,’” Thompson says. “We decided this has to be that ‘one day,’ because if we don’t, three years from now, we’ll get back to ‘what if.’”

Valenti notes that by challenging themselves to learn something new and by being flexible about their options, they’ve had an opportunity they thought they could only dream of.

Thompson’s advice to others fantasizing about a new career? You’ll never know if you don’t try.

“You have to take that plunge,” Thompson says. “Just be open to where it takes you.”

Tiffany Wendeln Connors is a staff writer with The Penny Hoarder. Data journalist Alex Mahadevan contributed to this article.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

Companies struggling to fill jobs ‘should try paying more,’ Fed’s Kashkari says

Companies should try digging in their pockets if they're looking to find workers for unfilled jobs, Minneapolis Fed President Neel Kashkari said Tuesday.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

WATCH: World News 11/05/18: Trump Talks Up Jobs, Economy At Urging Of GOP Leaders

Abrams makes last pitch to become first black female governor in the US; Tallahassee mayor hopes to become Florida’s first black governor
ABC News: World News Tonight

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

The big number from the October jobs report could be bad news for the market

October's nonfarm payrolls report Friday could bring some good news for the jobs market, which might be bad news for the stock market.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

The fuzzy math of October’s ‘new jobs’ data

I think the employment report Friday will be stronger than the “experts” expect. I always put the word “expert” in quotes when it comes to the jobs report because nobody is an expert. Everyone is a guess-pert. Me too. Only I think I know a secret regarding this job report, which is crucial because it…
Business | New York Post

SPECIAL DISCOUNT UPDATE:

Exclusive: Defense firms see only hundreds of new U.S. jobs from Saudi mega deal

Every time President Donald Trump mentions the $ 110 billion arms deal he negotiated with Saudi Arabia last year, he quickly follows up, saying “It’s 500,000 jobs.”


Reuters: Business News

SPECIAL DISCOUNT UPDATE!

Jos. A. Bank: Daily Deals From Jos. A. Bank – Get Up to 75% Off!

Here’s where the jobs are — in one chart

The professional and business services industry led job gains for the month of September, besting laggards like the leisure and hospitality sector, according to the latest government jobs report.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

The five most important numbers from today’s jobs report

These are the five most important numbers from the September nonfarm payrolls report released Friday.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

‘Rip-roaring hot’ jobs market sees private payrolls surge by 230,000, highest since February

Job growth surged in September to its highest level in seven months as the economy put up another show of strength, according to a report Wednesday from ADP and Moody's Analytics.
Economy

ECONOMY NEWS UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Trump administration says trade pact will bring auto jobs back to U.S.

U.S. Commerce Secretary Wilbur
Ross sees tens of thousands of jobs flowing back into the U.S.
auto sector, especially among suppliers, thanks to the Trump
administration’s new trade deal with Mexico and Canada, while
industry executives and analysts are less upbeat as higher costs
could hurt sales.


Reuters: Company News

SPECIAL DISCOUNT DEAL:

Find the Best Daily Deal in Your Neighborhood