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How to Make Budgeting Feel Less Like a Chore (8 of 12)

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Keeping your finances organized doesn’t have to be as daunting as it can feel. To help make life a little easier, we’ve rounded up some of the best expert-advised tactics to help you better understand your spending and budget accordingly. Read on for simple ways you can feel in better control of your finances, even when it seems tough—plus, tips for improving everything from your home to your travel plans with a tighter budget in mind.

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Click the link below for the article:

https://getpocket.com/explore/item/you-need-to-save-but-they-want-to-splurge-how-to-budget-with-travel-companions?utm_source=pocket_collection_story

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Inside the strange, secretive rise of the ‘overemployed’

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Early in the pandemic, Bryan Roque lost his job as a software engineer at Amazon. Part of him was relieved. He’d been working himself to the bone for months on end, and he felt completely burned out. But the timing was tough: The company was dumping him into the worst job market since the Great Depression.

Roque called his parents to give them the bad news, then packed up his apartment and moved back in with them. He eventually found a new job, a position at IBM that was fully remote, but an underlying anxiety stayed with him. “It just felt like I had no control,” he told me. “I didn’t like that I was under the whims of a company that gets to decide whether I’m employed or not.”

So less than a year into the job at IBM, when a recruiter from Meta came calling, Roque had a thought. The normal thing would be to quit his old job and accept the new position, which was also fully remote. But what if he kept his old job, and secretly took on the new one, too? All he had to do was two-time IBM, and he could double his income as well as his job security.

As he mulled the idea, he discovered that he wasn’t alone. There’s a whole community of professionals online who trade tips about juggling jobs on the sly. They describe themselves as “overemployed” — and remarkably, they seem to be getting away with it. Helping them evade detection is a guy who goes by the pseudonym Isaac, who started the blog Overemployed in 2021 to share his secrets as the OG overemployed worker. Today there are some 300,000 members of the community on Discord and Reddit who celebrate one another’s successes, commiserate on their failures, and swap secrets for fooling their bosses.

So Roque set out to join them. He clinched an offer from Meta, landed another from Tinder, and after negotiating the two against each other for more pay, he accepted both jobs — in addition to keeping his gig at IBM. Fifteen months earlier, he’d been unemployed. Now he was suddenly employed three times over — and on track to earn a combined salary of more than $820,000 a year.

Holding down multiple jobs has long been a backbreaking way for low-wage workers to get by. But since the pandemic, the phenomenon has been on the rise among professionals like Roque, who have seized on the privacy provided by remote work to secretly take on two or more jobs — multiplying their paychecks without working much more than a standard 40-hour workweek. The move is not only culturally taboo, but it’s also a fireable offense — one that could expose the cheaters to a lawsuit if they’re caught. To learn their methods and motivations, I spent several weeks hanging out among the overemployed online. What, I wondered, does this group of W-2 renegades have to tell us about the nature of work — and of loyalty — in the age of remote employment?

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https://i.insider.com/654d5e9a3cc84b4dfaffcd89?width=2000&format=jpeg&auto=webp&quality=90,90Remote workers are “double dipping” — taking two or more full-time jobs at the same time — without their bosses knowing. Tyler Le/Insider

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Click the link below for the article:

https://www.businessinsider.com/overemployed-workers-secret-two-multiple-jobs-salaries-tech-tips-2023-11?utm_source=pocket_discover

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November’s best meteor shower peaks tonight. Here’s how to see it

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The annual Leonid meteor shower will kick off the weekend with a flurry of shooting stars, an event that has a rich history dating back to the 1800s.

The upcoming weekend will kick off with another opportunity to spot shooting stars in the night sky as one of the last meteor showers of 2023 unfolds in the heavens.

Friday night into Saturday morning will be the best night for viewing the annual Leonids, the last meteor shower before the start of meteorological winter on Dec. 1.

A typical showing is expected this year, but the Leonids have a rich history, including one of the most captivating celestial sights that takes place only once in a generation.

What will the Leonid meteor shower be like this year?

Onlookers with a clear sky on Friday night can expect to see around 15 meteors per hour on peak night, a typical rate for many meteor showers throughout the year.

Activity will start off slow but will gradually increase as the night progresses with the frequency of shooting stars rising after midnight, local time.

The Leonids should remain active throughout the weekend, so stargazers who find themselves under a cloudy sky early in the weekend will have the opportunity to spot meteors on Saturday night and Sunday night if cloud conditions improve.

A handful of meteors associated with the recent North Taurids may also overlap with the Leonids, increasing the chances of spotting an incredibly bright fireball.

The night meteors fell like raindrops

Every November, the Earth passes through a field of debris left behind by Comet Tempel-Tuttle to spark the Leonid meteor shower. About once every 33 years, the comet passes close to the sun and spreads a fresh, dense trail of debris that sets the stage for an outburst of shooting stars akin to a fairy tale or Hollywood film.

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A burst of 1999 Leonid meteors as seen at 38,000 feet from Leonid Multi Instrument Aircraft Campaign (Leonid MAC) with 50 mm camera. Credit: NASA/Ames Research Center/ISAS/Shinsuke Abe and Hajime Yano

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Click the link below for the article:

https://www.accuweather.com/en/space-news/novembers-best-meteor-shower-peaks-tonight-heres-how-to-see-it/1594766

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How to Make Budgeting Feel Less Like a Chore (7 of 12)

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Keeping your finances organized doesn’t have to be as daunting as it can feel. To help make life a little easier, we’ve rounded up some of the best expert-advised tactics to help you better understand your spending and budget accordingly. Read on for simple ways you can feel in better control of your finances, even when it seems tough—plus, tips for improving everything from your home to your travel plans with a tighter budget in mind.

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Click the link below for the article:

https://ideas.ted.com

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Why the Godfather of A.I. Fears What He’s Built

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In your brain, neurons are arranged in networks big and small. With every action, with every thought, the networks change: neurons are included or excluded, and the connections between them strengthen or fade. This process goes on all the time—it’s happening now, as you read these words—and its scale is beyond imagining. You have some eighty billion neurons sharing a hundred trillion connections or more. Your skull contains a galaxy’s worth of constellations, always shifting.

Geoffrey Hinton, the computer scientist who is often called “the godfather of A.I.,” handed me a walking stick. “You’ll need one of these,” he said. Then he headed off along a path through the woods to the shore. It wound across a shaded clearing, past a pair of sheds, and then descended by stone steps to a small dock. “It’s slippery here,” Hinton warned, as we started down.

New knowledge incorporates itself into your existing networks in the form of subtle adjustments. Sometimes they’re temporary: if you meet a stranger at a party, his name might impress itself only briefly upon the networks in your memory. But they can also last a lifetime, if, say, that stranger becomes your spouse. Because new knowledge merges with old, what you know shapes what you learn. If someone at the party tells you about his trip to Amsterdam, the next day, at a museum, your networks may nudge you a little closer to the Vermeer. In this way, small changes create the possibility for profound transformations.

“We had a bonfire here,” Hinton said. We were on a ledge of rock jutting out into Ontario’s Georgian Bay, which stretches to the west into Lake Huron. Islands dotted the water; Hinton had bought this one in 2013, when he was sixty-five, after selling a three-person startup to Google for forty-four million dollars. Before that, he’d spent three decades as a computer-science professor at the University of Toronto—a leading figure in an unglamorous subfield known as neural networks, which was inspired by the way neurons are connected in the brain. Because artificial neural networks were only moderately successful at the tasks they undertook—image categorization, speech recognition, and so on—most researchers considered them to be at best mildly interesting, or at worst a waste of time. “Our neural nets just couldn’t do anything better than a child could,” Hinton recalled. In the nineteen-eighties, when he saw “The Terminator,” it didn’t bother him that Skynet, the movie’s world-destroying A.I., was a neural net; he was pleased to see the technology portrayed as promising.

From the small depression where the fire had been, cracks in the stone, created by the heat, radiated outward. Hinton, who is tall, slim, and English, poked the spot with his stick. A scientist through and through, he is always remarking on what is happening in the physical world: the lives of animals, the flow of currents in the bay, the geology of the island. “I put a mesh of rebar under the wood, so the air could get in, and it got hot enough that the metal actually went all soft,” he said, in a wondering tone. “That’s a real fire—something to be proud of!”

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“There’s a very general subgoal that helps with almost all goals: get more control,” Hinton said of A.I.s. “The research question is: how do you prevent them from ever wanting to take control? And nobody knows the answer.”Illustration by Daniel Liévano

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Click the link below for the article:

https://www.newyorker.com/magazine/2023/11/20/geoffrey-hinton-profile-ai

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How to Make Budgeting Feel Less Like a Chore (6 of 12)

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Keeping your finances organized doesn’t have to be as daunting as it can feel. To help make life a little easier, we’ve rounded up some of the best expert-advised tactics to help you better understand your spending and budget accordingly. Read on for simple ways you can feel in better control of your finances, even when it seems tough—plus, tips for improving everything from your home to your travel plans with a tighter budget in mind.

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https://pocket-image-cache.com/648x/filters:format(png):extract_focal()/https%3A%2F%2Fs3.amazonaws.com%2Fpocket-collectionapi-prod-images%2F3855600f-0dde-4508-98be-65e244fa2295.jpeg

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Click the link below for the article:

https://www.refinery29.com/en-us/2022/11/11165780/how-to-budget-zero-based-budgeting?utm_source=pocket_collection_story

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A manufacturer tried the 4-day workweek for 5 days’ pay and won’t go back

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When Bill Kowalcic first heard that his company Advanced RV was trying out a four-day workweek, he was filled with questions.

“All of us were a little nervous — like, are we going to be able to get our work done? Are we going to do OK? Is this going to hurt us?” says Kowalcic, a skilled craftsman who works in the finishing department.

A year and a half later, he has answers.

Not only has his team found shortcuts and time savers, he’s happier on the job.

“Gosh, it’s been great,” he says.

“I’ve never had a job where I’ve said this before, but at the end of the three-day weekend, I’m ready to come back in Monday morning.”

The trial has spread globally, but few manufacturers have taken part

Advanced RV builds custom, luxury motorhomes out of Mercedes-Benz cargo vans in Willoughby, Ohio. It is one of more than 200 companies and only a handful of manufacturers that have taken part in an ongoing global trial led by the organization 4 Day Week Global.

For six months, businesses agree to reduce working hours while maintaining the same pay. The goal is not to do less with less, but to maintain 100% productivity by bringing more energy and efficiency to the workplace while lessening fatigue and burnout.

The success stories coming out of the trial have offered a work-weary public hope that a better work-life balance is achievable. Of the 41 American and Canadian companies that began the trial in 2022, none has reported going back to working 40 hours a week.

A closer look at how Advanced RV has managed to significantly reduce its working hours while keeping up productivity reveals some essential elements: a tolerance for risk, and also trust, creativity, and open-mindedness

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https://media.npr.org/assets/img/2023/11/09/231107_npr_advancedrv_418_slide-a73a3dd9e45958762a36b5a314151be2a7af3ac5-s1300-c85.webp

Bill Kowalcic works on wall panels in the finishing department at Advanced RV. After the company went to a four-day workweek, his team figured out how to cut time without cutting corners. Amber N. Ford for NPR

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Click the link below for the article:

https://www.npr.org/2023/11/11/1207991399/4-four-day-work-week-manufacturing-work-life-balance?utm_source=pocket_discover

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How to Make Budgeting Feel Less Like a Chore (5 of 12)

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Keeping your finances organized doesn’t have to be as daunting as it can feel. To help make life a little easier, we’ve rounded up some of the best expert-advised tactics to help you better understand your spending and budget accordingly. Read on for simple ways you can feel in better control of your finances, even when it seems tough—plus, tips for improving everything from your home to your travel plans with a tighter budget in mind.

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https://pocket-image-cache.com/648x/filters:format(png):extract_focal()/https%3A%2F%2Fs3.amazonaws.com%2Fpocket-collectionapi-prod-images%2F3855600f-0dde-4508-98be-65e244fa2295.jpeg

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Click the link below for the article:

https://getpocket.com/explore/item/i-made-one-simple-financial-change-and-it-lowered-my-spending?utm_source=pocket_collection_story

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Migrants are showing up at the U.S. southern border in historic numbers. Here’s why

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“Katastrofa. Katastrofa.”

A man named Piotr repeats this like a mantra. On a warm fall evening in Tijuana, he’s the first in a long line to request asylum in the U.S.

“Katastrofa,” he says again, on the verge of tears. It’s the Russian word for catastrophe. Piotr, a middle-aged man who requested that his last name be withheld to protect relatives back home, left Moscow more than six months ago with his immediate family — his wife and two teenage sons.

He says the war with Ukraine had made their lives unlivable in Russia, and he fears for his sons — military conscription there is obligatory. “Russia is so difficult,” he says. “I can’t describe it. It’s so difficult for me. Katastrofa!

Piotr says he and his family first went to Mexico City, where they lived working odd jobs until they were approved for an appointment with U.S. Customs and Border Protection. This is the big day. He showed up six hours ahead of time. Piotr plans to ask the U.S. for asylum for his family and himself.

So do dozens of others who have been camping out in this line all day, waiting for their interviews. It’s mostly families. There are several interview slots throughout the day. These people are camping out for the late evening round, in hopes that by morning, they’ll be on the other side, in San Diego.

In the past year, the southwest border has received historic numbers of migrants. More than 2.4 million people. It’s been record-breaking numbers for the past few years. San Diego alone has received more than 230,000 people this year. That’s a 30% increase from the year before.

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https://media.npr.org/assets/img/2023/11/10/image00030_slide-3c479f5eba34fa8fdfd59efc5c0fafe5db08c7e7-s1300-c85.webp

A migrant family shows their paperwork to Mexican immigration officials to proceed with their CBP One asylum appointments at the Chaparral pedestrian border in Tijuana, Mexico, to cross to the U.S. on Thursday. Carlos A. Moreno for NPR

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Click the link below for the article:

https://www.npr.org/2023/11/12/1212058889/migrants-u-s-southern-border-historic-numbers-why

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How to Make Budgeting Feel Less Like a Chore (4 of 12)

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Keeping your finances organized doesn’t have to be as daunting as it can feel. To help make life a little easier, we’ve rounded up some of the best expert-advised tactics to help you better understand your spending and budget accordingly. Read on for simple ways you can feel in better control of your finances, even when it seems tough—plus, tips for improving everything from your home to your travel plans with a tighter budget in mind.

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https://pocket-image-cache.com/648x/filters:format(png):extract_focal()/https%3A%2F%2Fs3.amazonaws.com%2Fpocket-collectionapi-prod-images%2F3855600f-0dde-4508-98be-65e244fa2295.jpeg

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Click the link below for the article:

https://lifehacker.com/the-best-budgeting-apps-based-on-what-kind-of-spender-y-1849375309?utm_source=pocket_collection_story

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