Simple Money Management Tips to follow in your daily life
He is studying Indian businessman, an international certificate from Enterprise Media.
We live in times of uncertain economic conditions, in which everyone's work and wages are at stake. With the global decline caused by Covid-19, now more than ever it is more important to manage your money. Financial management is a shrewd business and the lack of basic financial education from time to time puts you at risk. To help you get started, we spoke to one of Germany's leading financial analysts, Philip Sokowicz, who concluded that managing personal finances are a stepping-stone to a healthy financial future.
Knowing that you have enough money for the future and the future - is what makes you feel financially secure. Planning, investing and managing money need not be a chore. Here are eight tips from Phil that are easy to apply in our daily lives that can improve your finances.
There is no point in working day and night if you cannot enjoy the fruits of your labour. Preservation is all right and good, but everyone wants a little life, no matter how big. “At the end of the day, money is a waste of money, so cut it down and enjoy it. But when it comes to entertainment, great fun and great shopping, use only the money left over after you have paid for all your essentials. Go stubbornly all the way, but don't be mad, ”he urged, spending money wisely.
Minutes after Kara Jones woke up, she grew up on her desktop computer, completing a survey or interviewing her about the naming of a website. After her baby goes to bed at night, she pulls out her phone and sends videos to market research companies.
No mention was made of Jones' free time or carefully analyzed in a good spreadsheet when searching for dozens of side websites.
"I will apply for all the jobs in the week I am working hard. Before I can, the whole week, every minute available is taken for a paid course," he said. He said he uses a spreadsheet to keep records of which sites offer the "highest ROI", or return the investment.
Jones, aged 35, got lost in May and soon began spending hours every day hitting websites on how to earn more money on time by giving her product ideas, participating in courses and giving feedback on how to improve products like a great TV app for her and her husband...
You are part of an almost invisible and growing community of people taking online surveys, commentators and product samples who have found out how to get help with humdrum online operations.
What is also a hobby that has generated extra income for other people becomes an important source of income during bed depression and the coronavirus epidemic.
Call it a normal job, much-needed jobs, unusual online jobs or sidebar: It represents a reorganization of the way some Americans are employed as life goes on online - and as more tech companies imitate the unregistered Airbnb business model and Uber is creating bigger platforms, which cater to people who are trying to gain a few bugs from those who are willing to hire them.
It has an undeniable height during the epidemic. Work is accessible from home, although participants say it can sometimes be bad and comes with many problems emphasizing inequality in America: low pay, stiff competition and a history of lesser-known apps that require people to develop more complex strategies to get the most out of their time.
Increasingly, there are positions in the applications, with higher payers approaching full-time jobs on salary and needs. The selection process can be complicated, with live video interviews exploring potential courses.
And rejection is a way of life, as corporate researchers often look at factors, such as age, location, medical condition, or income.
"Sometimes, if you get too little money, they won't choose you," said Becky Robinson, who relied on the proceeds of online market research since being separated from her part-time job in southeastern Pennsylvania...
The world of online gig work is expanding. From sites like Technical Turk, where people can make high-resolution "microtasks" of the pen, finding incomprehensible offers, app testing, writing services, sites to teach English as a second language and services that pay for academic participation, often psychologists or other social scientists.
No one really knows how many people are working on such sites, because companies often disclose information and jobs are not in the current category of employee statistics held by government economists, said Mary Gray, a senior researcher at Microsoft Research and a Member of Indiana University.
"Economists have no way of measuring the world that doesn't look like a factory floor," Gray said.
There are a lot of companies behind the services, especially weird ones without people who spend a lot of hours in them. Making money means constantly reviewing which platforms and activities you should focus on and warning of potential drivers.
They have a pool of growing staff that they can use. Unemployment has risen since the epidemic began taking hold of the economy in February and March. The unemployment rate was 10.2 per cent in July, which is much lower than it actually is but still shows that one in ten hard-working people have not found a job. Some gig workers, such as Uber and Lyft drivers, are among those opportunities, while others have sought unemployment benefits.
That has led people to look for new ways to spend money. But the task of gig online is not as easy as signing up and clicking away. Information about the various services can be difficult to obtain, so communities have sent to media outlets elsewhere and newcomers and veterans to exchange advice.
In January, just before the epidemic, a teenager sent a video to TikTok claiming he had made more than $ 900 in Discounts, market research and survey service, and encouraged others to download the app. The video is widely distributed, gaining nearly 400,000 likes on TikTok, and Dscout said it sees sweat.
The Reddit r / beermoney community reports regular income reports from users who closely monitor their earnings, as well as warnings about inappropriate sites. One person said they spent time on more than 30 sites and made $ 1,700 in five weeks, even though they called it a waste of time connecting websites.
"Part of this job is looking for work," said Miriam Cherry, a law professor at St. Louis. Louis University University has studied written work and has written a book on the subject.
"And the more people who come to these sites, the more competition there is," he said. For that reason, some planning makes sense. "You have to be smarter than the other 300 people around the world," he said.
Jones conducted an online survey far back in college and returned to them in May. He had resigned from his job as director of corporate procurement in Sioux Falls, South Dakota, a
The most expensive survey offers $ 200 and can take a lot of time, asking people to import photos and videos from their homes. Others take a few minutes and pay less.
There is little public information on the average pay for online activity, but a 2018 study from the U.N. The International Labor Organization found that in Mech Turk, an Amazon-run service, Median pay was $ 5.63 per hour. That’s less than the minimum union wage of $ 7.25 per hour.
Robinson, though disabled, had two temporary jobs until the coronavirus shut down large parts of the economy: one in a museum and the other in a craft store. He was separated from both of them.
But the cost of daily living continues to accumulate. His Volkswagen Jetta needed repairs, a dishwasher broke, and he needed a few refills for a dentist for $ 120.
For a while, he relied on unemployment insurance, but the organization's $ 600-a-week bonus expired, and he said his state had cut off his regular insurance - for reasons he didn't understand because he couldn't find anyone on the phone.
So lately, some of the money comes in from the tests, and you find yourself doing a lot of other things.
"It's not the best way of life, but I don't know - it helps, and it's not that hard to work," she said. He said he was trying to save as much as possible from online work, "because I feel like I'm going to need it."
Discount, one of the research programs, said it has seen an increase in people from the study and from the other side of the equation: Corporate investigators who want to find out how consumer needs have changed during the epidemic.
Discounts and other applications often include live video chats, so that researchers can see them in public places or view them using products in a standard way - participants' privacy costs, but perhaps at a higher cost. The company claims to have 100,000 regular participants, or "scouts."
"Now is probably a good time to do some research, because you have to understand what people are living for," said Abby Hunt, a Scout spokeswoman.
The need to submit videos means that surveyors sometimes need to dress up or at least do something to impress the researchers. Pyjamas are attractive.
"You really need to be a cohesive person who can express their ideas," said Vince Major, an actor in Los Angeles who researched and tested product prototypes during his free time. In the latest updated product: launch mask.
Major said he looks at services he thinks are exploitative, paying the same amount of money in exchange for 30 minutes of work. And he said some competition kicks him when he sees the work he actually wants to do, almost a video game.
"There's something in my Warcraft-shaped goal that says 'Yes, do this quest!'" He said.
On the other hand, Jones said that there is also so much less stress compared to working in an office environment.
“The beauty of the root is earning as hard as you want to try,” he said. "If you don't want to try for a few days, you don't have to. No one is breathing down your neck. You won't be fired if you don't show up for a few days."
That also means that virtual work has lost one of the defining features of modern work: the ladder, or the opportunity to improve one day.
And in many ways, real employees are still sitting around seeing and hitting online platforms. Companies often require unpaid work to move forward with paid work: "application" for a survey. They measure the work done by employees without a grievance procedure and can prevent payments with little response.
Cherry of Saint Louis University said she would like to see greater sensitivity to remote security personnel or higher wages. He said it was the subject of a debate being played outside of Uber and Lyft in California and elsewhere: Where is the line between contractor and employee?
"It's not like this is not being underestimated. It's different. There's a lot of surveillance," Cherry said of direct staff. "How is it different from working for a company remotely? No. It's the same thing."
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