Category: Side Gigs

How to File for Pandemic Unemployment Assistance in Every State

by Phillip Warren

Note: This article has been updated to reflect the new programs and provisions in the second stimulus package.

For the first time nationally, independent contractors and gig workers can receive unemployment benefits — through Pandemic Unemployment Assistance. Millions of Americans have relied on this program since it was created by the first stimulus package in March 2020.

Depending on your state, PUA effectively expired on Dec. 26 or 27. At the 11th hour, lawmakers rallied to pass a second stimulus package, extending the program for 11 weeks. However, some states had to pause making PUA payments as they implemented the new rules.

The Penny Hoarder looked at the application process in all 50 states, plus Washington, D.C. when the program was first created. We compiled the information into an interactive map that shows you how to file in each state, then updated the information based on new provisions laid out in the second stimulus package.

This guide will explain everything you need to know about Pandemic Unemployment Assistance.

What Is Pandemic Unemployment Assistance?

  • How the Second Stimulus Package Changes PUA
  • A 50-State Interactive Map to Help You Apply for PUA
  • Documents Needed to File for PUA
  • This $300 boost is known as Federal Pandemic Unemployment Compensation (FPUC).

    [Back to top ↑]

    How the Second Stimulus Package Changes PUA

    Initially, the CARES Act authorized PUA payments for a maximum of 39 weeks. The second stimulus package extended PUA to 50 weeks total — or 11 extra weeks.

    PUA now sunsets on March 14, 2021, unless extended by Congress and the Biden administration. Those who haven’t exhausted their PUA benefits as of March 14, 2021, may continue receiving benefits until April 5, 2021.

    One new and notable limitation: PUA used to be available retroactively as far back as January 2020. The new stimulus law tightens the window for retroactive PUA payments to Dec. 1, 2020, through March 14, 2021.

    All PUA recipients should be expecting to file more paperwork, too. To curb fraud, the second stimulus deal forces current and new PUA recipients to submit documents related to employment or self-employment, according to the DOL.

    The exact documents needed will be determined by your state agency, which is required to notify you. The deadline to file those documents is March 27, 2021. Defer to your state’s deadline if different.

    [Back to top ↑]

    How to File for Pandemic Unemployment Assistance, State by State

    Our interactive map includes PUA filing instructions for all 50 states and Washington, D.C.

    Based on The Penny Hoarder’s analysis, 35 states and D.C. process PUA applicants using the same application for general unemployment. Only 15 states have separate PUA applications.

    Here’s how we broke it down on the map.

    General Unemployment

    To determine PUA eligibility, most states funnel applicants through the Unemployment Insurance system first. Those states require you to file two applications: state unemployment first, then PUA.

    In such states, you must get denied Unemployment Insurance (UI) before applying for PUA. Only a handful of states have one streamlined, general unemployment application that determines your eligibility for both PUA or regular benefits.

    For simplicity — and because in both instances your first step is filing a general unemployment claim — both methods are categorized as “general unemployment (UI)” on the map, in dark  blue.

    To see if you need to file two applications or one streamlined version, click your state on the map for specific filing instructions.

    PUA

    States marked in light blue have a PUA application separate from the regular Unemployment Insurance system. If you are a resident of one of these states, you can file for PUA directly so long as you meet the eligibility criteria.

    [Back to top ↑]

    FROM THE MAKE MONEY FORUM
    Passive Income Strategies
    Theodora
    Help
    Losing everything
    Need Help: Prices for Personized Poems
    N
    See more in Make Money or ask a money question

    Documents Needed to File for PUA

    If you’re ready to file for Pandemic Unemployment Assistance, you’ll need to gather several types of identification- and income-related documents.

    Your state may require a few additional documents, but here’s an overview:

    • State-issued ID card.
    • Social Security Number or Alien Registration Number.
    • Mailing and residential address (if different).
    • Bank account information for direct deposit, otherwise your benefits will arrive via a prepaid debit card or check.
    • Tax return: Form 1040, Schedule C, F and/or SE.
    • As many income statements as possible: bank receipts with deposit information, 1099 forms, W-2s, paycheck stubs, income summaries and business ledgers.

    Income statements and related documents are crucial to proving how and when the coronavirus affected your earnings. For freelancers and independent contractors, it may be difficult to compile everything. Include as much as possible.

    [Back to top ↑]

    Pro Tip

    Depending on which gig app you use and how much you earned, you may not have received any 1099 income forms in the mail. In that case, log on to the app and download your income statements.

    Expect Delays

    Due to new rules outlined in the second stimulus package, state labor departments are once again scrambling. Hiccups should be expected while applying for, asking about or submitting documents related to PUA. Many gig workers and independent contractors warn of website crashes, unavailable customer service, confusing questionnaires and more.

    Perseverance is key.

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

    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.


    Source: thepennyhoarder.com

    How to Build a Photo Scanning and Digitizing Side Gig

    by Phillip Warren

    As simple as it sounds — and actually is — most people are overwhelmed by the thought of taking hundreds or even thousands of photos and organizing them into searchable, digital files.

    Then there are the videos filmed on various versions of clunky cameras over the decades.

    Perhaps the most daunting version of unorganized photographic memories are slides. Once the butt of so many jokes about boring dinner parties, now they are covered in dust with no hope of ever seeing the light of a projector again.

    Well, anyone armed with a $229 scanner and a computer can make searchable digital files of photos and slides. To turn videos into digital files, it takes the original camera they were filmed with or a VCR, an $87 adapter and a computer.

    Here’s how to make photo scanning and digitizing your new side hustle.

    Five years ago, professional photo curator Sabrina Hughes decided she could make a business out of helping people organize their photos, videos and slides. Her company, PhotoXO, has a compelling slogan: “Show your photos the love they deserve.”

    Her years as a photographer, plus a graduate degree in art history and experience as a curatorial assistant at the Museum of Fine Arts in St. Petersburg, Fla., combine to make her an astute photo archivist. But all of this expertise and experience is not required.

    “There’s a certain point when I’m not doing anything you can’t figure out on your own,” she said. “A college student or really anyone could do this to make extra money.”

    Hughes offers a self-paced online class called Disaster to Done for $297, which includes lifetime access to course materials. But she’s also sharing her tips with The Penny Hoarder.

    Get the Right Equipment

    • Scanner. There are hundreds of scanners out there, but she prefers the Epson v600, which sells for $229.
    • Video adapter. Hughes uses the Elgato Video Capture for digitizing VHS tapes. It can be bought online for $87.
    • Storage. “When I first started out, I was giving everything back on hard drives,” Hughes said. “I was trying to get away from DVDs, since most computers don’t even play those anymore.” She then offered flash drives filled with the photos. Though they are also becoming less common, this is still probably the best tool for beginners. Hughes now uploads everything to her website, which offers permanent storage.
    • Software. Hughes uses Adobe Lightroom ($119), which enables her to label photos so they can be searched and has photo editing functions. Software isn’t required to organize unlabeled photos into folders, however.
    A stack of old black and white photographs sits on a person's desk.

    Develop and Perfect Your Process

    The first step to starting your photo scanning business is setting aside a space in your home. It can be as small as a corner of your bedroom or a desktop if an actual office or spare room isn’t possible.

    Next, create a storage system for clients’ photos and video tapes while your work is in progress. Of course clear boxes that stack are great, but they come with a cost. Cardboard shipping boxes work just as well. Place white adhesive labels on the ends with the name of the client and the date the work started. You can place new labels over these when one project is done and the next client’s photos go into the boxes.

    To digitize photos and slides, scan each one with the scanner to upload it to your computer. Make files for certain years or topics such as “1970s beach trips” or “kids’ birthday parties.” Drag and drop the photos into the appropriate file.

    Passive Income Strategies
    Theodora
    Help
    Losing everything
    Need Help: Prices for Personized Poems
    N
    See more in Make Money or ask a money question

    Deciding What to Charge

    It’s smart to charge by the hour when you start out, and give an estimate of how long the project will take.

    Determine ahead of time how many photos you can scan in an hour. If you are sorting and scanning, that may be harder to estimate, but it probably adds another 30 minutes onto each hour of scanning. Say you can scan 40 photos an hour, then it would take you five hours to digitize 200 photos that don’t require sorting.

    A high schooler or college student might charge $30 to $50 an hour, or approximately $150 to $250 for 200 photos. Allow an extra hour for computer glitches, labeling files and calling the client with questions.

    A woman looks off into the distance toward a window with an old photograph on a television screen behind her.

    Hughes started out charging by the hour, but found clients were spending so much time “pre-organizing” their photos themselves to save money, it would take them six months or more before they were finally ready for her to start archiving. So she switched to a flat fee of $2,222 for unlimited archiving of slides, photos or videos. To do all three formats, she charges $7,777. She also offers small projects a-la-carte based on the amount of work.

    How to Attract Clients

    You might have to offer to digitize photos for one or two friends at no cost first to get an idea of how long the process takes and what you will charge.

    Then spread the word on social media. Give an estimated price of how many photos you can do for a certain price. Ask your early clients to share something about how wonderful it feels to finally have photos organized and saved forever.

    Digitized photos make a great Mother’s Day, Father’s Day or Christmas gift. Promote your business online and in emails during these times and throughout the year.

    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.


    Source: thepennyhoarder.com