Remember when working at home was for the fortunate few? Now, so many of us are working from home, pounding away at our laptops to earn a living. But, are you still looking for a new side hustle to add to your income? Fiverr started out as a small website – as they all start out, really! – but has grown to being a major hub for all types of freelancers looking for work. If YOU are looking for new freelance assignments, then we have five different types of work you can do with Fiverr. And we specifically looked for ways to earn money without being a writer, because Fiverr is about a lot more than just freelance writing.
1. Voice over work
Voice over work means you provide the voice for a video or other production. Cool, right? Maybe you have one of those lovely voices that makes all your friends say: “You should really be in radio or something.” Or, maybe you have a quirky voice that would work well for marketing purposes. Companies are looking for you! You first select the language that you’re available to do voice over work in, and then you head to the listings of assignments companies are looking to fill. I think this is one of the coolest types of work-at-home jobs you could ever find. It’s still hard work, yes, but fascinating work.
2. Design logos
Do you have an artistic flair? Love to doodle and create images? Then you might find your niche freelance work designing logos. You could end up designing logos for little Mom and Pop shops or even large corporations! All types of designs and styles are needed.
3. Develop WordPress sites and blogs
If you have some experience with WordPress – and a shocking 39.5% of ALL websites online (as of 2021) are now powered by WordPress – then you can help someone develop their blog or website. It doesn’t take extraordinary skill, but just an understanding of how WordPress works and how to use the all-important plugins. You could turn those skills into some extra money pretty quickly.
Search engine optimization (SEO) skills are in hot demand by any company. An SEO expert can create a lot more organic traffic to their clients’ websites, and all by utilizing keywords to draw people to those sites. SEO takes a lot of research and time, and a lot of trial and error to be honest. But, if you have SEO skills, then you’ll be able to find clients who want to use you. And (hooray!) pay you.
5. Illustrations and graphics
Creating cool illustrations and graphicscan earn you a pretty penny. You might create graphics for websites, blogs or even print copies of marketing materials. Again, if you’re a naturally artistic person, this might be a very good fit.
Earn Money at Home with Fiverr (No Writing skills needed)
See? There are tons of ways you can freelance from home, using Fiverr as a way to find clients. We didn’t even get in to all the ways you can make money freelancing as a writer, but that’ll be a topic we develop another day. Stay creative, friends!
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You might be wondering what is the Canada Emergency Wage Subsidy Program (CEWS) all about? It is an important question because many business owners are suffering right now due to COVID-19. They want to remain open and keep their staff employed, but many do not understand the specifics of this program that is supposed to help them. Let’s provide some clarity to this program.
What is the Canada Emergency Wage Subsidy Program (CEWS)?
It is a wage subsidy program for businesses whose revenues have been negatively affected by the coronavirus outbreak. The amount of the wage subsidy is 75% of employees wages for a 12 week period from March 15, 2020 to June 6, 2020. The purpose of the subsidy is to rehire previously laid off workers as a result of Covid-19 to prevent further job losses and put businesses in a better position to recover after the crisis passes. For more information, go to the Government of Canada’s website.
Canada Wage Emergency Subsidy Program (CEWS): Who is Eligible?
In a nutshell you eligible for this Government of Canada program if you are an employer who has experienced a reduction in revenue and had a CRA payroll account on March 15, 2020. The Government of Canada’s website has a list of eligible employers but the only ineligible employers appear to be public institutions such as municipalities and local governments, Crown corporations, public universities, colleges, schools and hospitals.
You Must Also Have an Eligible Reduction
Besides being an eligible employer, you must also have an eligible wage reduction. What is that? You are basically comparing your normal monthly revenue with the the 3 months affected by Covid-19 (March 2020, April 2020, May 2020). However, there are 2 choices to choose from to use as your normal monthly revenue. (This refers to pre-coronavirus revenue.)
Option 1 is to use your revenue from the corresponding month of the previous year. This means you would use March 2019 as your normal revenue period and compare it with March 2020 and there should be a revenue drop of at least 15% to be eligible for that period. You would then use April 2019 and compare with April 2020 and there should be a revenue drop of 30% to be eligible for that period. Finally, you would use May 2019 and compare with May 2020 and there should be a revenue drop of 30% to be eligible for that period.
Option 2 is that you take the average monthly revenue for January and February 2020 and compare this with March 2020, April 2020, and May 2020. You would be eligible for subsidy for a particular month if there is a reduction in revenue of at least 15% in March, 30% in April, and 30% in May.
Here’s is a warning, however. Whatever option of comparing revenue you choose, you have to stick to using that option when calculating the revenue reduction of each month. You cannot switch between options.
Who are Eligible Employees for the Canada Emergency Wage Subsidy Program ?
They are employees hired by you and who have not been paid by you for less than 14 consecutive days. Employees whom you have laid off can become eligible if you rehire and retroactively pay them. You must do this before you can include them in your calculation of the wage subsidy.
How to Calculate the Wage Subsidy?
At the Government of Canada’s website, there is an Excel spreadsheet and a calculator to help you calculate this amount. It is based on the following information below:
If neither are an option for you, use the Web Forms application with your web access code. If you do not have a web access code, you will need to provide the date of registration or the total income tax reported in box 22 of the most recent original 2018 tax year submitted T4 summary.
The government’s website says that you can get paid within 10 days of applying if you have direct deposit. If you are getting paid by cheque, this will take a bit longer.
Also of note, the Canada Wage Subsidy is taxable and therefore you will have include it on your tax return as taxable income.
The Canada Emergency Wage Subsidy Program may appear to be a complicated and detailed program to apply for. However, it could be very beneficial as it helps you cover most of your employees’ wages for a 3 month period. One benefit is that you can get money fairly quickly once you apply. It is something that businesses in Canada should seriously look into. Because it could make the difference between staying open and closing for good.
CEBA program details is something that many Canadian business owners are looking for today as many businesses have had to shut their doors due to the COVID-19 pandemic. However, due to the stress of their business shutting down and the financial burden that follows, many do not know where to start and feel overwhelmed. Hopefully, this article can help make things clearer.
CEBA Program Details – What is CEBA?
CEBA stands for the Canada Emergency Business Account and is a federal government loan program that provides small and medium-sized businesses with a limited-time, interest-free loan of up to $40,000. For more details on CEBA visithttps://ceba-cuec.ca/. Here are some of the details of the program as provided to me by one of the banks that I deal with First Calgary below:
The CEBA Loan Includes:
$40,000 loan at 0% interest until December 31, 2022
No minimum monthly principal payments required until December 31, 2022
$10,000 loan forgiveness is available, provided outstanding balance is $40,000 at December 31, 2020, and $30,000 is paid back between January 1, 2021 and December 31, 2022.
Payments can be voluntarily made at any time without fees or penalties
The Borrower is a Canadian operating business in operation as of March 1, 2020.
The Borrower has a federal tax registration.
The Borrower’s total employment income paid in the 2019 calendar year was between Cdn.$20,000 and Cdn.$1,500,000.
The Borrower has an active business chequing/operating account with the Lender, which is its primary financial institution. This account was opened on or prior to March 1, 2020 and was not in arrears on existing borrowing facilities, if applicable, with the Lender by 90 days or more as at March 1, 2020.
The Borrower has not previously used the Program and will not apply for support under the Program at any other financial institution.
Borrower acknowledges its intention to continue to operate its business or to resume operations.
The Borrower agrees to participate in post-funding surveys conducted by the Government of Canada or any of its agents.
CEBA Program Details – How to apply?
You apply through your financial institution and most of them should have this program available to you. You can either call or go in to speak to someone about it. However, an even easier way is to apply online at your financial institution. For example if you go to First Calgary’s website, you are presented with the following details below:
HOW DO I APPLY FOR CEBA?
For your convenience you can apply from home using our online application. Our team of advisors will contact you once your application has been received to discuss next steps.
FOR A SPEEDY EXPERIENCE, PLEASE HAVE THE FOLLOWING INFORMATION ON HAND:
2019 T4 Summary of Remuneration Paid (T4SUM) that shows an annual payroll of between $20,000 and $1.5 million (if you cannot locate your T4SUM, contact the Canada Revenue Agency to have them reissue it to you)
A 15-digit Canada Revenue Agency Number also shown on the T4SUM
Business contact information, including phone number and email address.
Finding out what you can apply for in this climate can be a challenge. However, it is important to know what options you have. For many small businesses, this program could be the difference between surviving or dying. So have a look and see if the CEBA program details fits you and your business. Because in this COVID-19 world, information is power.
PC Express grocery pick-up during Covid-19, sounds like an interesting idea. Because right now we live in a world of social distancing to prevent the spread of the virus. With PC Express, you do not even have to enter the grocery store. All you do is place your order for groceries online, pick an available pick up date and go to one of the designated parking spots to pick up your groceries. You don’t even have to get out of your care as they will even load your groceries into your trunk if you pop it open for them. Sounds like an awesome way to do your grocery shopping during the pandemic. My wife and I thought we’d give it a try.
PC Express Grocery Pick-Up During Covid-19 – Expect Delays
Last weekend my wife placed our order online to PC Express and as expected pick up times were filling up fast. We expected this as we assumed many would try this. However, there was one slot available – a pick up time of Wednesday at 6 pm and we took it.
A few days later, on Tuesday Superstore sent us an email that our order could be delayed a day or more and they would contact us once our order was ready. We had no problem with this as we knew they would be busy and actually appreciated the email letting us know. We weren’t in a rush to get the groceries. Two days later on Thursday we got another email message stating that our order was ready to be picked up. I got ready and went to Superstore to get our groceries.
PC Express Grocery Pick-Up During Covid-19 – Things Get a Bit Chaotic
As I got to Superstore the first thing I noticed was that the place was packed with cars! I think the sunny day was partly to blame for this. As I drove to the PC Express stalls (they had 8 marked stalls), I noticed all of them were filled with cars, all with their trunks open waiting for their groceries. I also noticed over a dozen other cars around these stalls with their trunks open waiting to pick up groceries. Immediately I thought, “Houston, we might have a problem”.
I found a parking stall as close as I could to the PC Express ones and then called the phone number that had been given to me in the email. As soon as I finished dialing the number, I immediately was given the message, “the phone call you attempted has failed”. That was weird, so I tried to call again a few more times and got the same message. I then called my wife at home and asked her to call from her end. She could not get through as she got a busy signal. We both kept trying. My wife finally got through and was told to leave a number to be contacted later. She did and as soon as she did she got cut off. Not knowing what to do, I decided to go in the store.
PC Express Grocery Pick-Up During Covid-19 – Things Get a Bit Unsafe
I went to customer service and was directed to the PC Express area, which were by the check out aisles. As I got to the area, there were grocery carts full of food everywhere and I assumed that these were all the pending PC Express orders. By these carts was the PC Express area. It was a small room about the size of a small bedroom. There was a large fridge and groceries in there along with about four people working feverishly in it. All of them looked completely overwhelmed. I felt for them. Unfortunately, only one person had a mask on. The rest did not. Also, they were working pretty much shoulder to shoulder, so social distancing was not being practiced. But how could it be? The room was way too small for it.
I managed to talk to one of the workers and tried to keep my distance (fortunately I was wearing a mask, googles and gloves) and explain my situation. He was at least wearing gloves. He took my license plate number and make of my car and told me to pop my trunk and expect a long wait. I went back to my car and waited.
After a Long Wait, Go into the store again
I waited for an hour in the car and tried the number a few more times but to no avail. So I decided to go back in again to check the status of my order. As I got to the PC Express area there were still a lot of carts with food parked. There were also a few people lined up to talk to PC Express and I lined up behind them trying to keep my distance between people. One person beside me had a mask on which gave me a little relief.
However, we were lined up in the area where people exit the check out aisles. Also, the PC Express carts with food were also in the area and all of a sudden, things were very congested. There was no chance of practicing safe social distancing, as we were constantly moving to avoid people leaving with their groceries. It was a bit unnerving.
No End In Sight
As I got closer to the front of the line, the person in front of me said that her original pick up date had been Tuesday. At that point, I realized that I might have a long wait yet. When it was my turn to talk to the employee , she said that there were 7 or 8 orders ahead of me and that once they got to me that they would then make my order. I thought that was weird as the email they sent me said that my order was ready. At this point I started to feel a bit angry.
I asked if could just take my order myself. She said that I would have to wait and when I asked how long – she said she could not tell me. She had no idea how long it would take. I tried to explain to her that I’d been there an hour ago asking the same questions. She said she was just there helping out. No further help was provided.
Time to Flee!
I then realized “This is not right!” Here I am talking to this poor stressed out lady who is trying to help. She’s not wearing a mask and has no gloves on. We are only standing three feet apart. The people in the PC Express department behind her weren’t wearing protective wear, and were way too close and are touching people’s grocery orders. The people beside me were way too close and the people going by us wee way too close. Not good!! We were all in danger.
Why would Superstore overbook their pick up Service so much? Why would they not provide their employees with protective wear? And why did we have to line up in a main exit for customers?
I realized right there and then that I had to leave and protect myself and my wife at home, as staying there longer increased my danger of getting infected. I said to the lady to cancel my order immediately and I left as quickly as I could and went home. When I got home, I immediately took off the clothes I was wearing put them in the storage room (our sort of decontamination zone) and took a shower and calmed myself down.
I would not use PC Express grocery pick-up during Covid-19. It is way too risky. They don’t have enough space, manpower, or organization to make this work safely during the Covid-19 pandemic. You would be safer just going into Superstore and shopping yourself. Or even safer, just go somewhere else to shop. (A place that is smaller and far less busy.) I do have a friend who says the service is great but she shops at a different location than the one I went to. I was pretty freaked out by the experience.
Also, yesterday the news reported that the location I went to has a case of Covid-19 with one of their employees. The employee hasn’t been to work since April 12th but I wasn’t surprised in the least based on my experience. I really hope that Superstore improves their PC Express service – in particular at this location. Because people’s health and lives are at risk. However, I am not going to take the chance to find out. Instead I will be shopping somewhere else where I feel safer. Stay safe everyone.