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Financial Help for Freelancers, Gig Workers, and Creatives During The Coronavirus Pandemic

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As the COVID-19 pandemic spreads across the world, the United States’ economy is suffering. Businesses big and small are closing their doors, and hardworking people are losing jobs, struggling to put food on the table, and drowning in unexpected healthcare costs.

Thankfully, both the federal government and other groups recognize the need to provide financial assistance to small business owners, entrepreneurs, artists, freelancers and independent contractors. In the wake of the Coronavirus pandemic, unemployment benefits, grants, and funds are helping freelancers, artists, and SMBs survive.

If you’re a boss babe who needs some financial assistance to keep going, check out these funds, grants, and loans to help you make it through COVID.

 

Funds and Grants for Freelancers

Women freelancers are some of the most economically vulnerable workers in America right now. The companies and contracts that used to pay your bills are cutting costs—and that often means fewer jobs for freelancers. Here are some places you can look to for help during these uncertain times:

 

The Freelancers Union has cooperated with companies like Fiverr and Upwork to create a Freelancers Relief Fund that helps freelancers weather this storm. The fund offers “financial assistance of up to $1,000 to freelancers who are experiencing sudden hardship as a result of the COVID-19 pandemic, whether as a result of illness, lost work, or caregiving responsibilities.” You can use this money to pay for food, utilities, and more.

Freelancers Union

The Freelance Co-Op, a group established to empower freelancers with the resources they need to run their own businesses, has created a COVID-19 Emergency Fund. These funds can be used for medical bills, utilities, food and even childcare. It’s important to note that there is a stipulation that those who receive funding donate the same amount to a similar charity when they get back on their feet.

Freelance Co-Op

 

Financial Assistance for Small Businesses

Small businesses often run with little to no financial safety net, which means the COVID-19 quarantine is forcing many women-run businesses to permanently close their doors. Luckily, there are funds and grants popping up to help keep SMBs afloat.

 

The federal government and SBA are working with state Governors to offer financial relief as well as business counseling to small businesses who are struggling due to Coronavirus. The SBA is providing SMBs a low-interest loan with a long repayment schedule, if needed. You can use the funds to pay “fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact.”

Small Business Agency Disaster Assistance Loans

Business For All grants. In partnership with Verizon, the digital fundraising and advocacy platform Hello Alice is offering emergency grants of up to $10,000 for companies impacted by the coronavirus pandemic. $10,000 COVID-19 Business for All Grants are awarded on a rolling basis. General Business for All Grant applications are due September 25, 2020 at 12:00 am PT.

Hello Alice Business For All

Google announced an “$800+ million commitment to support small- and medium-sized businesses (SMBs), health organizations and governments, and health workers on the frontline of this global pandemic.” Though they aren’t offering direct grants to small businesses, they are providing SMBs with active Google Ads accounts $340 million in Google Ads credits. According to Google, “credit notifications will appear in their Google Ads accounts and can be used at any point until the end of 2020 across our advertising platforms.”

Google Funding and Grants

 

Funds and Grants for Creatives, Artists, and Musicians

 

The Creator Fund from the email marketing company ConvertKit is offering financial assistance of up to $500 for artists and small business owners. Supporting Creators in Need.

The Creator Fund

MusiCares is aware of the enormous financial burden to those whose creative practices and incomes are being adversely impacted by COVID-19. In response, The Recording Academy® and its affiliated charitable foundation MusiCares® have established the COVID-19 Relief Fund to help the music community affected by the Coronavirus pandemic.

The Recording Academy / MusicCares COVID-19 Relief Fund

Sweet Relief Musicians Fund provides financial assistance to all types of career musicians and music industry workers who are struggling to make ends meet while facing illness, disability, or age-related problems. In other words, Healing Musicians in Need.

Sweet Relief Musicians Fund

 

Additional Resources:

Gig – Sharing – Youpreneur – [Ec]onomy by @SBSLEducSoltns

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by SJ Barakony | Featured Contributor 

 

‘Lean in … it’s growing daily.’

 

As this blog goes live, we find ourselves on a chronological cusp; it’s not just A New Year’s Eve/Day:  it marks an entirely new decade!

The 2020’s will bring us untold innovation which’ll make us do double-takes; one trend, though, that we can better understand since it’s been growing since ~ 2008 ?

 

A > It has multiple monikers:  Gig / Sharing / Youpreneur. 

 

All = synonyms for an independent workforce which’ll continue to improve day to day life, so long as we don’t stoke fear, assume, become too comfortable, or let corporate entities dictate the narrative.

Here’s a fundamental Q:

 

How can we entrepreneurs be trailblazers for our peer generation, those older, and, yes, younger, for this economic paradigm?

 

Gigs are Great

We’ve likely heard, or know someone who’s a ‘side’ hustler; this person’s also a side ‘gigger’.  She’s pursuing gig economy income, driven not by trading units of time for currency/dollars & cents; rather, via representing a product/s, service/s, &/or sharing her specialized knowledge in/to the marketplace, earning $$ in return.

This infographic offers a flyover, showing how many ‘gigs’ are available, just via smartphone apps.

Yet, there is far more at ‘work’ here: Entire new business models have, and will continue to be formed. One recent example?  Click here.

The back to back [ ‘blue’ & ‘white’ collar ] industrial ages shall continue to be supplanted by gigs, although it will necessitate re framing, challenging 20th century assumptions, & being willing to exchange calculated risk for more time & financial flexibility.

 

For it matters not, how much we own, the cars . . . the house . . . the cash. What matters is how we live and love and how we spend our dash.

 

― Diane Mulcahy, The Gig Economy: The Complete Guide to Getting Better Work, Taking More Time Off, and Financing the Life You Want .”

 

Sharing = Collaborative = Interdependent   

‘Share & share alike ..’ – weren’t we told this by a doting parent(s), or maybe a primary school teacher at some point?

However, as we aged into adulthood, and started our business(es), we might’ve forgotten this sage advice. We either learned how to be dependent ( ‘employ’[ee] – to be used (utilized)) , and/or that we had to be a cowgirl, & do entrepreneurship all by ourselves, as an in-dependent.

Not so fast!  Sharing economic models enable us to rebuild trust with our peers, be inter-dependent, and find/leverage ways to collaborate & partner with others.

This visual is worth many words.

 

Multisided Platforms / ‘Matchmaker’ Economics

This new economic era is restoring and flat out creating new sparks of creativity that were lost in the very linear, centralized, & hierarchical industrial ages preceding it.

This terrific post will make you think; next time you grab your smartphone & search for an AirBnB, you’ll look at this research in a fresh way.

Matchmaker (‘ing) is worth trillions – it squeezes inefficiencies out of conventional producer/seller→ consumer/buyer bilateral relationships & builds bridges. It is beyond intriguing & sits squarely in this new [ec]-onomy.

 

What’s a “You” Preneur, anyway?!  

YOU ‘re worth far more than a rigid, pre-defined wage, salary, or compensation package. Shouldn’t your pay be aligned with the absolute value you deliver to your clientele, & not based on the usage of space & time ( = occupar / occupation ) ?

Most, if not all, entrepreneurial minded people reading this would say ‘absolutely!’

Thus, we’ve 2 words fused together, creating a combo which richly reflects the spirit, heart, & mindset of this new economic model:  YOU + [entre] preneur.

 

Overcoming …   

There are 5 (‘for the hand’) root issues which stand in the way of ‘giggers’ & ‘youpreneurs’ ‘sharing’ more & building a stronger entrepreneurial edifice in the 2020’s:

 

  • Our 125+ year old schooling ( not truly education ) tracks, ‘K-12’
  • Fear ( cynicism, unhealthy skepticism, & negativity )
  • A completely broken political system
  • The incumbent hierarchies

&

  • Comfort/familiarity

 

We can hurdle over the first by focusing on self-directing our education & loosening the grip of credentialed degree signaling ( esp if we have staff ); next, we can win out over fear by being faithful & focused; thirdly, how about turning towards local elections to drive grassroots transformation upwards to state/provincial &/or national/federal offices?

Fourth, be wise to what the ‘status quo’ says, and especially does. Often times, they’ll attempt to buy influence through the deeply flawed politics of today. Don’t let them; put your trust in your own small business & those of your peers. Lastly, don’t rest on your laurels or read your own press clippings. Always strive to sit in a learning zone.

 

Future = Free: IF we Choose

Many step up to ‘be their own boss’ ; yet, the promises heralded in transition tend to be lost in the haze of working harder, not smarter.

Freedom is such an overused word; for the purposes of this post, let’s frame it this way: It’s having many conscious choices always available to match with our  most irreplaceable asset, time.

The ultra flex & portability available in the gig/sharing economy is there for the taking. Lean into it!

 

Twitter ‘To-Do’s 

Youpreneur

Sharing Economy

Future Workforce

VisualCap

Suitcasepreneur

 

Let’s ‘future’ proof …

… your business(es).

Be unique & willing to unlearn what you were taught in a conventional classroom about economics & entrepreneurship.

 

A dozen things I’ve learned about …

6 Ghosts of Fear

 

… Multisided Markets

The Matchmakers 

 

Mutual Aid Societies & the Gig Economy

Rise of the Youpreneur

 

Read to Lead

25 Ideas …

 

Summing up … 

  • A major milestone is upon us!
  • A fundamental question …
  • Multiple monikers
  • Multisided & matchmaker
  • 5 challenges
  • “Free”dom
  • ‘Future’ proofing

 

Thank YOU for reading!

____________________________________________

4 Pillars of a Civil Society by @SBSLEducSoltns

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The ‘Holidays’ …

 

… offer entrepreneurs a renewed opportunity to serve, solve, & be civil, especially in hyper competitive industries.

 

With this mindset, we can ask ourselves a key question:

 

How can business owners strengthen the pillars of our civil society?

 

Please think & then brainstorm ways to turn thoughts into energy; consider this post both informative AND actionable.

 

Defining civil society

This topic echoes last month’s post, many definitions exist, leaving us with another question to ponder that’s also well worth our time. Which to pick?

 

Here’s my chosen one.

 

Yet, if you settle on another, there isn’t a ‘wrong’ answer; your choice is likely tied to your unique perspective, lens, and/or life experiences.

 

Civil societies, in the 19th century, often included a ‘sister’ term, a component, [a] mutual aid society …

 

[they] prefigure most functions of the modern state. They’re at least as old as armies, but their mission is life, not death. For millennia, people have banded together to provide each other with health care, pensions, … and livelihoods. They have also leveraged their numbers to elicit some of these same benefits from those other two institutions, business and the government. Mutual aid extends the bonds of kinship and makes individuals into citizens.

― Anya Kamenetz

 

1st pillar :  The Family   

The holidays & families often are rightfully intertwined: so, too, the first pillar of civil society is emblazoned with the word ‘family’ & it’s an earned label.

 

Maybe you’re a family business? Nearby where I live, the Conway Center is a terrific resource for them & the other businesses who seek to serve this demographic. Quite likely, there are ‘like’ organizations elsewhere in America, as family businesses are very common.

 

Perhaps some/all of your clients/customers are families?

 

No matter how we look at it, it’s rather challenging to separate family from civil society, and a civil society from entrepreneurship.

 

2nd pillar : Non Profits ( inc. social enterprise )  

As the 19th century transitioned into the 20th, mutual aid societies began to fade; previously thriving organizations were often overshadowed as America became more centralized, corporatized, & urbanized.

 

We’ve now begun (  this post offers backgrounder ) turning back, with a modern flair, to where we once were as a civil society. Rough edges & burrs on the saddle of the Gig (Sharing/Youpreneur) Economy can, without question, be ‘buffed’ by devolving & delegating societal challenges & thorny problems to non profit institutions, especially social enterprises.

 

What’s a social enterprise? As stated in this annual report, they’re ‘easy to understand’ & more necessary to renewing our nation than many might realize.

 

3rd pillar : Faith institutions 

Faith in the entrepreneurial ‘square’, our common culture, let alone civil society, often stirs up emotions & thorny debates.

 

To avoid needless arguments, I humbly encourage everyone to consider multiple definitions:

Perhaps you’ll pick ‘faith’ as defined by the venerable Napoleon Hill in his masterwork, ‘Think & Grow Rich’ , or maybe you’ll instead lean into a Judeo-Christian foundational definition, as espoused by organizations like Truth At Work.

 

No matter your decision, this pillar’s densely strong, earning its place as one of the key four; it props up each & every business owner at some point(s) in her journey from ideating a business, to launch/startup phase, thru ebb & flood tides, linear or exponential growth,  & further ahead into an as of yet unknown future.

 

How so? Faith oft times can act as the antithesis of fear; it can buttress your failures & keep you anchored to your purpose & mission.

 

4th & final pillar:  Entrepreneurs

And now, the spotlight shines brightly on Y-o-u:  The business founder/owner, the entrepreneur.

 

If by now it wasn’t crystal clear, it now will be: Entrepreneurship, in all its forms/types , is absolutely a pillar.

 

You’ve likely seen/heard statistics about small businesses’ vast importance to our nation’s vitality.

Or, maybe you’ve encouraged someone to start their own business at some point: maybe a family member?; neighbor?; a past co-worker?; or as a mentor for a future graduate or recent alumna from your alma mater?

 

Action(s) as common as keeping your business viable, including delegating task(s) to someone like Karissa , or expanding your product line, are each useful in ensuring that this fourth pillar will always be foundational for generations of Americans in the 2020’s & well beyond.

 

Further context to the first question

The first three pillars have boundless potential: leveraging 1, 2, or all 3 can enable your business(es) to morph from a pure ‘S’ [ self employed ]; to at least a hybrid ‘ S/B’, or even a straight ‘B’.  It’s the latter state where you’ve reached the nirvana of time freedom; you’re definitely working “on” & NOT “in” your venture, thereby freeing the owner to participate more actively in civil society.

 

Profiles Worth Following

NapHill.org

Social Ventures

Truth@Work

DSC

Sivers

YEA USA

Conway Center

 

Please invest further…

… in your thinking.

You’ve read & trustfully sensed the heart, soul, & spirit of this created content; now, will you commit to dig into this curated content from other valuable resources?

 

Civil Society

Mutual Aid Societies & the Gig Economy

Social Capital Primer

Root

B2C v B2B 

Working “ON” & not “IN” a Business

 

In short

  • The holidays offer a chance to reflect
  • Civil society: Quotable quote & definition[s]
  • First two:  Family & Non profits
  • Second 2 : Faith & Entrepreneurs
  • Further context
  • Follow these Social profiles
  • As always, take action: curated content from add’t resources

 

Thank YOU for reading!

____________________________________________

Education … School(ing) … & Degree Signaling by @SBSLEducSoltns

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Dissecting the Differences

 

 

Remember ‘synonyms’ & ‘antonyms’?

 

Let’s revisit 2 words from our common past in a primary (‘K’-’5’) classroom.

Our teachers very likely taught us that a synonym’s definition = this ; whereas, an antonym’s = this.

Many graduates would admit, being authentic & unguarded, that much of what they learned while seated in a neat row of desks rarely, or maybe occasionally, applies to their professional lives post graduation.

This post’ll put these 2 terms in an entrepreneurial context; be advised that your assumptions, mindset, or experiences could be challenged head on, or perhaps, be confirmed.

 

Whichever it is for you, I appreciate your open mind all the same.

 

What might ‘education’ , ‘school(ing)’ & ‘degree signaling’ have in common?

Before dissecting the differences, we’ll talk a bit about what binds these three unlike concepts together.

 

  • They’re all often lumped together by companies who hire using conventional ‘HR’ practices
  • Over time, each one split off from the other two, in theory & in practice
  • Each have a purpose in the eyes of [a] stakeholder group/s

 

Let’s take each at face value individually. As you read, ask yourself: How might I envision, strategize, & apply each to my business?

 

Education = ‘educare’

 

Becoming deeply educated can absolutely result w/o hard evidence in the form of ‘POC’ (proof/s of credential/s).

 

Great education defies structure because it is always (always!) individualized, personalized, interactive, nimble, responsive and inspired.

– O. DeMille

 

Does this quote sum up your own experience inside of a school’s classroom?  If not, why? Ask big, open ended questions to net the very best long term value.

A self directed, customized path exists for most any citizen who looks for it.  Have you?  Do you encourage your staff to be lifelong learners?

 

Some education options to thoughtfully consider as a new startup, an existing business seeking to scale up, or if you’re looking to further diverse your income streams with a 2nd ( or 4th 🙂 ) venture:

 

  • 1:1 mentorship
  • Digital badging ( a form of ‘hot unbundling’ )
  • Apprenticeships
  • Extern/intern -ships
  • Digital nomadic / Gig economy

 

School(ing) = ‘skhole’

Going to school does not automatically imply that one is educated, nor should anyone jump to conclusions & suggest that all schools fail to educate. It’s not that clear cut, nor is it a ‘public v. private’ dichotomy, either:  There are above average, even great public, the same as exemplary private ones, from border to border, & sea to sea.

 

In this powerful essay, the late John Taylor Gatto opined:

 

Schools were designed by Horace Mann and Barnas Sears & W.R. Harper of the University of Chicago and Edward Thorndike of Columbia Teachers College and others to be instruments for the scientific management of a mass population.

 

Think this over:  As a business professional in the late 2010’s, does this sound anything like being educated?

Keeping squarely in mind that ‘skhole’ ‘s etymology clearly shows a word that no longer equates to educare, the root of education.

 

Huh? What’s ‘degree signaling” ?  

As America transitioned from a wartime footing ( mid 1940’s ), the economy morphed from one focused heavily on blue collar industry to one where white collars were the in demand choices.

 

As …

Factories = Products = blue collar industrial age

 

So … ( oft times )

Offices = Services = white collar industrial age

 

The ‘Organization Man’  was in the driver’s seat; it was a supremely influential read.

And the GI Bill offered taxpayer monies to returning vets to encourage careers in a service industry, often in a large office managed by a large corporation.

 

Year by year, decade by decade, by the late 80’s- early 90’s, a ‘college for all’ mentality sunk into many facets of our society, discouraging entrepreneurship (‘E’ pathway), the trades ( CTE/Career & Technical Education, primarily available thru community colleges ) , & other viable options

 

Thus, degree signaling was birthed …

If you had ‘POP’ ( proof of paper ) in hand, plus a resume / cover letter, you were more likely to be hired by a company, given a title, salary, & cubicle, & asked to play your often invisible role in the delivery of a service to the marketplace.

Yet, creative disruptors such as Praxis put forth for rational discussion that there IS a different way.

 

It’s up to you, with your open entrepreneurial mind, to decide if you’re willing to hire/promote, &/or make choices that are, ahem, ‘educated’, or driven solely by nostalgia.

 

Suggested Podcasts

 

How to Start a Startup

School Sucks Project

Modern Learners

 

Keep on learning, dear readers

 

As always, it’s a pleasure to provide additional resources to move you further along the journey.

 

School vs. Education. Where are we now?

Why the College Degree Is a Signal …

 

Mindvalley U

Stop Stealing Dreams

This is the sequel to ‘Stop Stealing Dreams’

 

30 Best Education Podcasts

Series: School is Optional

 

In short

 

  • Revisiting definitions: synonym & antonym
  • What these 3 terms share in common
  • Defining education more sharply
  • Schooling is its own concept.
  • Degree signaling?!
  • Podcast suggestions
  • Add’t resources

 

Thank YOU for reading!

______________________________

The Energy of Entrepreneurship by @SBSLEducSoltns

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( A flyover of all the glorious forms of creating your own asset )

Just as a strong case can be made that entrepreneurship & education are intertwined, so the same can be said for energy & entrepreneurship. How many business owners do you know who live day to day with boundless determination?  Joy? A skip in their steps?

 

We have a B-i-G opportunity! We should encourage entrepreneurship’s many forms so the energy in our society is always flowing, & many new assets are created to better ourselves, families, communities, nations, & beyond!

 

Describing Our Economy

 

Thought leaders have been using various labels:

 

Conceptual Age

 

Gig economy

 

Youpreneur

 

Multisided platforms ( ‘Matchmaker Economics’ )

 

You might wonder; how do these inform, inspire, & instigate citizens to leave mediocrity behind to embrace these energetic forms of entrepreneurship?

Inform(ation)

 

With conventional classrooms in all 3 tracks very slow to adapt to the modern era, as entrepreneurs, we can share stories, teachable moments, & connections with those in our own, as well as younger, generations.

Welcome any opportunities to be someone’s mentor, advisor, or coach. Focus on paying forward crucial knowledge to others. Serve 1st always!

 

Inspire (-ation)

 

Often, entrepreneurship is not a soft fluffy bed; it’s part of the charm of the day to day journey to struggle at times! Anything that comes ‘easy’ often has more downside than engaging in smart x hard work building a business.

Don’t hide this from those whom you talk with, yet don’t muddy the clear lens of a passionate individual who wants to be a difference maker. Inspire her by adding value, w/ no stated expectation of reward or return.

 

Instigate ( lighting sparks )

 

Those who deeply understand principles such as the ‘Five Laws …’ & ‘Law of Attraction’  should be beacons of inspired instigation in her circles of influence.

The sparks lit in the fire pits of today will lead to the solutions of tomorrow.

So many of our most pressing societal challenges can be solved with entrepreneurial energy; if you flip back through the pages of history, you’ll see this jump off the pages.

 

7 Forms

 

Now, we transition from the most valuable question, why?, to what? +

 

( + we’ll leave out ‘how’; JFK’s 1962 Rice Univ Speech is the model for why not to focus on this Q )

 

Franchisor/franchisee

 

  • Franchise consultants set up shop to help someone who has the liquid capital to purchase a brand & its intellectual property, turnkey system/s, & in many cases, a ‘bricks & mortar’ location. Franchisees are far from cutting edge concept; although if you were talking with your grandparent(s), they would tell you that at 1 point, it was new & barely understood!

 

Solo-preneurial / proprietor

 

  • This is the simplest form. How do you monetize? Choices inc. hour for dollar billing ( ‘self employed’, creating your own job ); using a retainer; or working on a project basis. As with any form, there are pluses & the opposite; yet, if you’re very new to entrepreneurship, keeping things uncomplicated may be your wisest choice.

 

Gig / freelancer / contractor

 

  • Gig based businesses abound in our modern age; do depth based research to find options best for you.  Freelancing is very common in right brained, creative pursuits like social media, content/digital marketing, & writing.  Finally, being a contractor for a larger enterprise where you are offered more flexibility than an old school W-2 employee could very well be a win:win arrangement.

 

Broker / Agent

 

  • Insurance & real estate:  Both have high name recognizance, even by those who have never been entrepreneurial. Many of the agencies & companies operating in these very mature industries are always looking for someone who is servant minded & willing to tailor a solution to the consumer/prospective policyholder or buyer/seller ‘s unique needs.

 

Direct Sales

 

  • This form is newer on the block than its sister ( see below ).  How is it different than Ntwk Mkt/MLM?  It often generates income for the owner through the promotion of events versus growing a team.  For instance, you set up a cooking demo, offer products to those that attend at a % off, & build a relationship with them that goes beyond 1 transaction. Often, social media is used most often by these consultants, hosts, & associates.

 

Network Marketing ( MLM )

 

  • A mature form, when compared to its brother ( scroll up ), they’ve been options for upwards of a century! Yet, there is still much mis-understanding, inaccurate representation of its legality/lawfulness, etc.  This form is absolutely viable, esp. for those with people skills; those who are patient & don’t expect income overnight; or someone who is able to lead another by serving her first, a fundamental for building a team that replaces you.

 

Licensor / licensee

 

  • The licensee model is essentially ‘franchisee lite‘.  It has many elements of the latter, yet it doesn’t necessitate a bricks & mortar storefront;  often, you can be a mobile-preneur ( easily able to work at a coffee shop, coworking facility, or at home ). Licensors offer intellectual capital ( logos, brand awareness, a systems based approach to building revenue & cash flow ) in exchange for a 1 time, or recurring payment(s).

 

Lots of – ‘Preneurs!  Which are you?!

 

Profiles Worth Following

 

Sidepreneur

 

Mompreneurs

 

Teenpreneur Inc

 

Self directed Educational links

 

Employee vs Entrepreneur – Which is Riskier?

Actually, Starting Your Own Company …

Becoming an Entrepreneur …

 

In short …

 

  • Describing today’s economy
  • Inform, inspire, & instigate
  • 7 forms of energy: entrepreneurial options
  • Types of -preneurs
  • Three Twitter handles
  • For further learning …

 

Thank YOU for reading!

CoWorking is Cutting Edge ( and Cool! A Primer. ) by @SBSLEducSoltns

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Coworking is a remarkable concept that will enable many additional citizens to pursue their callings in entrepreneurship without the pratfalls of the prior 2 eras, the blue & white collar industrial ages.

 

No longer will the price tag, complexity, or fear of having to sign a multi-year lease, or rent to (eventually) own agreement be a stumbling block to the dream to be in control of your income stream(s); you’re now sharing costs & concurrently joining an entrepreneurial tribe.

 

What is coworking?!

 

This is a superb definition

 

Think it over: We’ve really only had this option for little more than a decade. Running parallel to the astonishing rise of social media & the proliferation of smart devices, co-working grew from humble beginnings.

 

At this point, choosing to become a member of an existing co working space, whether it’s new, or well established, tags you as a late ‘early adopter’ or at the onset of the ‘early majority’ class(es) of business owner/professional.

 

Intrigued to know more?  Please click here.

 

Options for your business’ physical presence

 

All things being equal, there are 4 choices:

 

  • Work from home.  The flexibility of merging personal & professional lives under 1 roof always has appeal. Yet, if you’re a mom-preneur, have other neighborly commitments, or are easily distracted by the mass media, you might want to ask the hard question: will you be productive, or will you be ‘’busy’ ?

 

  • The ‘coffee shop’ = office.  Whether its an independent cafe, Starbucks, or Panera Bread, maybe you arrive early in the AM, order coffee & bagel, set up your notebook/tablet in the far corner near an outlet, & start working; that remains viable for some amongst us.

  • Conventional ‘bricks & mortar’.  Some business models & professions simply must have their own physical space:  Medical office/clinic? Restaurant/bar? Retail, esp. a clothing store?

 

  • And, then, there’s coworking. This article breaks down common options that most any space in your metro area will, or already is, offering.

 

Click to Tweet

 

“We break down walls so that we can breakthrough in our businesses!”

 

— Cynthia Chiam

 

Plusses of Coworking

 

Choose from the 4 above; none are ‘wrong’ – each option will appeal to someone & that someone might be you. However, let’s focus on the benefits of coworking.

 

You quite likely will …

  • Save a significant amount
  • Opt into various perks ( who doesn’t love ‘complimentary’ coffee?!? )
  • Find flexibility ( month to month arrangements are commonplace )
  • Learn how easy it can be to ‘barter’ services &/or products with your community/tribe

 

What if …

 

… co working hasn’t yet come to my area?

Take heart: many visionaries haven’t yet pushed outside the top 25 metros.

As always, there’s a trail of ‘breadcrumbs’ that the profit motive will enable, bringing facilities to your city.

 

One pioneer shares his vision – click here to read a short Q&A w/ him.

 

How Does Co Working fit into the Gig Economy?

 

Jim Collins, in his terrific book, ‘Great by Choice’, taught us to be able to zoom in & zoom out.

 

Let’s zoom out …

 

… & answer this Q.

 

  • 1st, co working is similarly flexible.  Do your research & check as many options as exist in your area; most spaces heartily welcome entrepreneurs who don’t want to sign multi-year deals.
  • 2nd, the Gig economy spotlights project ( ‘gig’ ) based ‘work’; so does a co-working space. You can run this type of business easily & find much joy in the process
  • Next, this economy encourages interdependence, as does the coworking option. Your ‘benefits’ ( insurance, investment vehicle/s ) could very well come in a barter agreement with a sales pro who offers them to solopreneurs & sits right next to you in the space.
  • Last, your ability to be cash flow positive is accelerated; you can keep your prices aligned with your ideal avatars & earn more without having to pay steep lease or rent payments.

Suggested Profiles

 

Using hashtag #coworking as a starting point, I suggest 3 Twitter handles worth a follow:

 

Deskmag

 

kowrkdotcom

 

New Worker Magazine

 

If you happen to be in, or looking to move to, central OH …

… the options are a plenty! Here’s a quick primer on some tip top choices:

 

CoHatch

 

Brickhouse Blue

 

Haven Collective

 

&  Serendipity Labs

 

Fantastic ‘All in 1’ Resources

 

As with any topic, the internet is a treasure trove of goodness, when used for altruistic means.

 

Co-working is no exception to this mantra. Here are a handful:

 

https://www.visualcapitalist.com/visualizing-rise-co-working-spaces/

* the BEST. The infographic on the above from December 2018 is amazing!

 

Top 60 CoWorking Blogs, Websites, & …

 

From coworking spaces to who is …

 

In the Gig Economy, Coworking spaces …

 

In short …

 

  • What exactly is coworking? Let’s explore.
  • 4 options you have for locating your business.
  • The positives of choosing coworking
  • Coworking’s a big trend, yet it’s not everywhere yet. It will be, though. Stay tuned!
  • Coworking & the Gig Economy are ‘fellow travelers’ = deeply interrelated.
  • The Twitterverse, unsurprisingly, has valuable handles worth following

 

Thank YOU for reading!

Trends to Watch in the final 365 days of the Decade by @SBSLEducSoltns

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by SJ Barakony | Featured Contributor

 

2019 awaits. How ready are you & your business for these 13 trends?

 

Can you believe it?! Yes, its true: we’re less than 2 weeks away from another New Years’ Day; so, let’s dedicate a toast to our businesses, our families, & friends!

Not only that … did you notice?  It’s also the last year of the first decade of the ‘new’ century.

 

Where were you on 01 Jan, 2010?

 

Was your business even open?

How did you communicate with your clientele?

Have you rebranded since then?

 

…  That’s NINE years ago, believe that!

 

The Mindset of the Futurist

 

“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.”  — Buckminster Fuller

 

#quotestoliveby #futurist 

( Click to Tweet the above )

 

Many thought leaders, chief amongst them the futurists, visionaries, and creative disrupters, know of Fuller. He laid this cornerstone of thought and its now part of his legacy, to be embraced by generations not yet born. It is from this core thesis that we’ll push ahead – unveiling a market basket of trends that your business will be impacted by in some manner in 2019 ( & beyond. )

 

 

A Bakers’ Dozen

 

Laying out 13 that I, as a futurist, am personally invested in tracking; each of these are invigorating and, in the hands of the benevolent & bold, will usher in as yet unknown amounts of potential energy to our nation(s), states/provinces, and localities:

 

Mobile revolution

Smart Cities

Blockchain / Crypto currencies

Gig Economy ( Conceptual Age )

Automation ( AI, Machine Learning, Robots )

Autonomous Vehicles \ Drones

Holistic Wellness ( > sickcare )

Decentralized [ social & news ] media

Self directed education & learning ( schooling & credential seeking )

Communities / tribes

Social enterprises ( modern mutual aid societies )

Principles > politics

Holocracy ( future of ‘work’/places )

 

 

In pursuit of a deeper understanding of the bright future which awaits

 

Even a rudimentary understanding of 1, some, or perhaps all of the 13 trends shared above won’t be embraced at deeper levels of awareness, acceptance, and consciousness without continually reading, listening ( podcasts, audio books ), & watching ( videos, webinars )

 

Two #mustread books in this space are linked below, to further illuminate your path.

I wholeheartedly suggest investing in them as a holiday/Christmas present for yourself & for those whom you hold most dear.

 

A Whole New Mind

The Code of the Extraordinary Mind

 

Suggested Follows out in the ‘Twitter’verse

 

Futurist Rankings by Ross Dawson

Generations Timeline – After the Millennials by Anne Boysen

Gold vs. Cryptos: Invest or divest … Here … from Gerald Celente

4 questions to test your intellectual humility via Daniel Pink

 

 

Don’t Argue, nor Debate

 

Instead, as we see, hear, and experience more & more creative disruption which impacts our professional sphere ( inc. our business’ cashflow, income streams, etc. ), shall we abandon the negativity, time loss, & win/lose (or worse, lose/lose) outcomes from arguing & debating?

I propose an equivalent swap of the above two non futurist, consumerist terms for those that produce & add value:   Discussion & rational discourse.

 

As 2019 dawns, I thoughtfully (channeling one of my many informal mentors, Mr. Dale Carnegie), throw down a challenge:

 

Whether with yourself ( self talk ), your staff, clientele/customers, or a prospect, engage in thought provoking win/win discussion or a structured rational discourse with him/her/them in the next several weeks

 

Word Play: Choices to make to embrace the transformation underway in our workplaces  

 

As we ascend the ladder from unconscious incompetence on up to unconscious competence, let’s fully embrace how exciting each of these trends will be in our ongoing entrepreneurial journeys & resolve to learn new words

Some which are becoming anchored to the past as these 13 futuristic trends continue to evolve, expand, & replicate:  ‘employee’ ; ‘hierarchy’ ; ‘college for all’ ; ‘health care’ ; ‘cash’.

Does this indicate that these (let alone others) will disappear forever? Not necessarily. Yet, the early adopters in our business networks will already grasp the above, and quite a number more will eventually ‘see’ as you have/will!

 

 

Websites, articles, blogs, & organizations: Learn More & Take Action

 

Define. Learn. (then) Do.

We’ve defined a vision for 2019 & beyond. With numerous resources are embedded in the post already, let’s expand your learning zone:, what if you want to self educate even more?!

 

Ever more important, investing time in additional concrete steps to ‘future’ prep your business venture would be wise. I’m applauding you proactively, if you choose to do so!

 

 

Trends Research

Future Frontiers

A-speakers

Mind Valley

 

Future Today

AdWeek.com

Visual Capitalist

Futurism Blogs

 

In short …

 

  • 9 years down, 1 to go in the decade #ThinkItOver
  • Suggested Twitterverse follows
  • A bakers’ dozen trends
  • The futurist rankings & further resources to dig into
  • Don’t argue, debate, or fight the existing; discuss & set time for rational discourse
  • Word swaps:  let’s ‘play’ on a 2020’s field
  • What’s coming is exciting & transformational; fear not!  Embrace. Encourage. Uplift.

 

Thank YOU for reading!

& …

Self-Employed or in the Gig Economy? Why the Difference Matters for Taxes by @DeborahSweeney

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by  | Featured Contributor

Unless you happen to fall into one of the two categories, you may not know the difference between self-employed professionals and gig economy workers. According to the Second Annual Self-Employment Report released by accounting software company FreshBooks, these two groups are often categorized as a single entity despite their differences. Self-employed professionals are defined as having a primary income that comes from independent, client based work. Members of the gig economy, on the other hand, work side gigs such as rideshare driving or freelance writing in addition to maintaining a traditional full-time job. Their primary source of income is the paycheck from their full-time position, with side hustles bringing in a little extra money.

With 27 million Americans estimated to exit traditional employment for self-employment by 2020, defining the difference between the two groups has become crucial for tax purposes. As you work on filing tax returns, here are the key areas for both self-employed professionals and gig economy workers to keep in mind.

Make sure you have been properly classified

Both self-employed and gig economy professionals must be properly classified for the services that they provided. The IRS states that business owners must correctly determine if these individuals are employees or independent contractors (AKA self-employed).

Self-employed individuals are in business for their own self and therefore do not have businesses that withhold or pay their taxes. Businesses that work with gig economy professionals use common law rules to determine if these workers are employees or independent contractors. The major three factors are behavioral (control, or not, as to how the worker does their job), financial (if there are business aspects of the worker’s job controlled by the payer), and their relationship type (such as written contracts).

Once these three factors have been examined, businesses will have contractors complete and file the appropriate forms like Form W-9 or Form 1099-MISC to pay their associated taxes.

Determine if you will need to pay estimated taxes

Paying estimated taxes is a tax strategy that self-employed professionals and members of the gig economy may consider doing, if they haven’t started already. Estimated tax payments are used by taxpayers to pay income and self-employment taxes. These quarterly payments are due on the 15th of April, June, September, and January.

If you do decide to start making estimated tax payments, remember that your payments must be made in full and on time. Failure to do so may result in being charged a penalty for underpaid taxes.

How are your records looking?

One of the most strategic moves that anyone, self-employed, in the gig economy, or an employee, can do when filing their tax returns is to keep their paperwork organized. Who did you work for or complete work throughout the year? Did you receive all of your necessary tax forms or are you still waiting on a few? What about deductions? Do you have your receipts handy for business expenses you can deduct? Establish a solid recordkeeping system for every year that you are self-employed or a member of the gig economy and keep it as up-to-date as possible. Doing this allows you to document and track your income and expenses and can come in quite handy if you need to provide proof of your professional activities within a specified timespan.

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Deborah Sweeney – Legal Expert, CEO, MyCorporation.com – Calabasas, CA

Deborah Sweeney HeadshotAs CEO of MyCorporation Business Services, Inc. (MyCorporation.com), Deborah Sweeney is an advocate for protecting personal and business assets for business owners and entrepreneurs. With her experience in the fields of corporate and intellectual property law, Deborah has evolved from lawyer to business owner. She has extensive experience in the start-up and entrepreneurial industry as she has been involved in the formation of hundreds of thousands of businesses for MyCorporation.com’s customers.

Ms. Sweeney received her JD & MBA degrees from Pepperdine University. She is active in the community and loves working with students and aspiring entrepreneurs. She serves on the Board of Regents at California Lutheran University and is a founding member of Partners of Pepperdine. Deborah has served as an adjunct professor at the University of West Los Angeles and San Fernando School of Law in the areas of corporate and intellectual property law. Ms. Sweeney is also well-recognized for her written work online as a contributing writer with top business and entrepreneurial blogging sites.  She is a regular contributor on Forbes, American Express, Social Media Today, and BlogHer among many others.

In her ‘free’ time, Deborah enjoys spending time with her husband and two sons, Benjamin (8) and Christopher (6). Deborah believes in the importance of family and credits the entrepreneurial business model for giving her the flexibility to enjoy both a career and motherhood. Follow her on Twitter @deborahsweeney and @mycorporation.

Your Simple Plan to Jump from Side Hustle to Full-Time Business by @lieshapetrovich

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by Liesha Petrovich

A side hustle can be so much more than a weekend gig.

Maybe your business is a way to pay for a cool hobby, like pottery or jewelry making. Or maybe your one tiny idea evolves into the next Apple (they started in a garage!). And it all depends on what your goal may be.

If your goal is to take the leap from weekend business owner to full-time business professional, one pathway is choosing a side business that’s scalable.

You’re Creating a Brand

It’s hard to build a brand. That takes time, strategy and consistency. But adding a new profit stream to an existing brand is pretty easy. Think of your favorite authors. Buying the first book is always an unknown, but now you pre-order books because you’re already a fan. That’s the whole idea behind choosing a scalable side-business.

Start with deciding what you want your brand to look like. It’s a lot more than choosing a logo, but that’s a decent place to start. In How to create a brand book. Guide and Examples, the author suggests adding the following visual information into your own brand book: logo, brandmark, colors, typography, photography, and any other graphics. Maybe you want your brand to be stylish, professional, fun, quirky, modest, or even sexy. Choose the right visuals to convey that image to your customers.

Once you’ve started building your brand, it won’t be so hard to add a new profit stream since you already have the major pieces of the puzzle in place. Now you’re simply adding another layer to your existing brand’s image.

Choose an Industry, Not One Idea

Let’s say you’re a writer. That may be your official title, but you’re much more than a writer. You’re also a researcher, networker, sales professional, marketer, and maybe even an editor.

In 105 Side Business Ideas You Can Start Today, Nicole Yingling lists tons of profit stream ideas including selling online courses. Here’s an idea for experienced writers to teach others how to write an article pitch:

“Not everyone knows how to do this, and they may be missing key elements when they try. This is where you come in. If other writers see that you are consistently successful in your professional writing work, they will likely pay to learn your personal tricks of the trade.”

So you start as a writer. With the right planning, you easily grow your business to include several different profit streams including creating courses, mentoring or even managing other authors. The idea is to choose a business that has lots of opportunities to branch out and allows you to sell multiple products/services within the same industry.

Build On Your Success

You start as a dog walker. But soon you’re offering grooming services, boarding and maybe a line of irresistible pet treats. Or you start as a wedding planner, and now plan baby showers, anniversary parties, and corporate retreats.

There isn’t one right way to build a business and many side businesses don’t make enough for you to quit your day-job. Yet, why stop at just one side-hustle? Build the foundation and keep adding more profit streams until you’re ready to make your weekend business your full-time profession.

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Liesha’s a freelancer by day and Kyokushin Black Belt by night. Liesha’s the author of Killing Rapunzel: Learning How to Save Yourself Through Determination, Grit, and Self-Employment (her mother hates the title – but it’s a metaphor mom!). She talks freelancing adventures at Microbusiness Essentials and grassroots movements at Kat Tales.

5 Oddball Jobs to Escape the Traditional Corporate Grind by @lieshapetrovich

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by Liesha Petrovich5 Oddball Jobs to Escape the Traditional Corporate Grind

There is nothing wrong with having a traditional corporate jobs. They are predictable, mostly dependable, and help create workforce stability. Traditional jobs are the backbone of our economy and completely essential.

They’re just not for me.

In Secret To Working Part-time – Create A Lifestyle Business!, I shared how you can create a business to fit your particular lifestyle. I’m a firm believer that you can live your life the way you want, including the job you choose. As a 20 year self-employed veteran, I can say it’s not always easy but it was the right choice for me.

If you’re bored of your job and ready to try something a little different, here’re are 5 cool job ideas that may be the key to your new professional future:

1. Teaching Mad Skills

These days, teaching goes way beyond public school classrooms. My main business is a karate school and about 10 years ago I started teaching after-school programs. I obviously had some experience, but I simply called and offered my services. It’s a main staple of my business these days.

If you have a skill you want to share, see what organizations may want your services. After-school programs are perfect for me, but you can try summer camps, day-cares, civic/church groups, and elderly care facilities. These organizations want to provide fun activities for members, like music, yoga, dance, singing, drama or even hula-hooping.

2. Flipping Cheap Houses

If you love watching guys flip houses on home improvement channels, why not try it yourself? According to Sean Terry, from Flip2Freedom, 5% of the population are distressed sellers. This means they need to get rid of a property for some reason and are motivated to sell at a lower price. And that’s your opportunity.

This isn’t the kind of new job you can jump into, but it can be a lucrative side hustle if you have the money to invest and don’t mind a little risk.

3. Pet Sitting

Americans will spend almost $60 billion on their pets this year! Sure, people love their kids and family, but they go bananas over their pets. And many of these people don’t want to leave their fur-babies at cold, unfriendly kennels. They want their pets to be pampered and loved while they are away at work or on vacation.

If you’re an animal lover, consider becoming a pet sitter. Some operate large doggie day-cares, while others specialize in home care. It’s the perfect job for anyone who would rather take a dog for a walk than sit through another boring meeting.

4. Legal Cannabis Grower

Although many still consider the cannabis industry weird, unorthodox or even unethical, it’s actually becoming mainstream. And it’s also incredibly profitable as it’s projected to be worth $44 billion by 2020!

I recently attended a cannabis industry convention and was amazed at how normal it was. I expected the attendees to be hippies and burnouts. Instead, they were grandmothers and professionals. The industry isn’t easy, as laws continue to change and evolve, but it’s certainly an interesting industry with lots of business opportunities.

5. Lunch Truck/Food Cart

Many good cooks dream of opening a restaurant someday. Yet opening a restaurant is one of the riskiest and most expensive startups in the world. The overhead alone is staggering. However, starting a lunch truck business is much less expensive and it’s a growing industry. The mobile cuisine industry was worth about $850 million in 2015 and is expected to grow another $130 million by 2019!

There are still local regulations, permits and inspections to deal with, but the possibilities are endless. BBQ, ethnic cuisine, cupcakes, waffles and fusion are just a few crazy lunch trucks themes. It’s not easy, but why not try this first if you’re dream is to own your own restaurant?

Your Business, Your Way

One of the best parts of the self-employed journey is that there are no rules – you can create or invent any kind of business you want. You can take what you love and figure out how to get paid for it. You could try one of these businesses or come up with something entirely new.

Just remember, your business is only limited by your imagination and creativity.

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Liesha PetrovichLiesha Petrovich is the creator of Microbusiness Essentials, a blog dedicated to helping the smallest businesses succeed. In her free time, she’s working on a Doctorate in Entrepreneurship. Grab a free copy of her new book Killing Rapunzel: Learning how to save yourself through determination, grit, and self-employment.