a person standing in a kitchen: Poppy O'Toole now has more than 100,000 followers on her TikTok channel.


© Courtesy of Poppy O’Toole
Poppy O’Toole now has more than 100,000 followers on her TikTok channel.

“What do you do for a living?” It’s a question that can tell you a lot about a person, their interests and the stage of their life they are at. For the past decade, my answer was always easy: “a chef.” This would often be met with excitement, followed by: “Oh, I’d love to be a chef!”, “Imagine living with a chef!” or, “Ooh, I bet your dinners are incredible.”

But honestly, the life of a chef was far from glamorous. I’d often rush home in the afternoon in the 45 minutes I had between a split shift to walk my dog, having left the house at 6am. Despite cooking professionally, my own meals often consisted of a store bought sandwich that I would grab before returning to work for the second shift of the day. On those days, I’d be lucky to get the last train home before midnight. And on my days off? There was a lot of sleep, television, more sleep, and not so much in the way of delicious food being prepared.

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I’ve worked in professional kitchens for almost a decade, having learned my craft in a Michelin-starred restaurant in Birmingham, England, before moving to London in 2017. During those years I dedicated up to seventy hours a week and often sacrificed any sense of a social life. But 2020, with the COVID-19 pandemic and the effect it had on the hospitality industry, changed everything.

In March this year when I was faced with being laid off, I had to reconsider everything. Like many in the hospitality

Hit film producer Jason Cloth knows what can lift the spirits of cinema audiences depressed by the grim world of Covid-19. “People are afraid, they’re tired,” says the 54-year-old Canadian, who is one of the industry’s biggest private financiers. “If we can truly give them some uplifting escapism, they will go back.”

With a string of box office successes to his name, Cloth has a record of understanding what audiences want. His biggest success was the 2019 film Joker starring Joaquin Phoenix as Batman’s nemesis. He says he put up 25 per cent of the reported $64m cost of the movie which took more than $1bn at box offices worldwide, making it one of the most profitable comic-book productions of all time.

Cloth questions whether that film, which was criticised for its violence, would still be a hit in today’s bleaker times. “Would Joker have done as well if it had been released after people had been battered and bruised through this pandemic?” But musicals and family shows are a different matter — they could attract the big audiences “more than they might have a year ago”, he says.

Joker’s success seems an age away for a sector that has suffered globally this year from cinemas closing, audiences staying away and studios postponing shoots and delaying releases, including the latest James Bond movie No Time To Die, which had been scheduled to open this spring but is now set for April next year.

Joaquin Phoenix in ‘Joker’, which cost $64m and made over $1bn at the box office
Joaquin Phoenix in ‘Joker’, which cost $64m and made over $1bn at the box office © Warner Bros Entertainment

Box office revenues worldwide were down 64 per cent year-on-year over the weekend of September 12-13 (the latest for which data was available at the time of writing) on average across 45 countries analysed by the

There are people, some of them financial advisors, who believe that you cannot make money through sustainability, social justice and ESG investing. (ESG stands for environmental, social and governance investing.) To be accurate, people don’t say you can’t make any money on these investments, just not as much money as you would if you didn’t factor in those considerations when picking your investments. Let’s put this to rest right out of the gate. John Hale of the renown MorningStar investment research firm has said that’s not true. And Morgan Stanley’s Sustainable Reality: Analyzing Risk and Returns of Sustainable Funds survey came to the same conclusion. It determined that the returns of sustainable funds were in line with comparable traditional funds by looking at the performance of nearly 11,000 mutual funds from 2004 to 2018. In fact, the report concluded that there were no statistically significant differences in total returns. An interesting kicker was that the sustainable funds may offer lower market risk. These funds experienced a 20% smaller downside deviation than traditional funds. If you’re like most investors, the downside is what you find scary, not the upside.

For this first article on socially responsible investing, we’ll look at two topics related to getting started: advisor selection and investment screening. We’ll also cover one benefit of ESG investing: risk mitigation.

Advisor selection

If you’d like to pursue (or even explore) socially responsible investing with an advisor, you’ll need a particular type of advisor. Margaret Towle’s “Environmental, Social and Governance Investing: Myths versus Reality” discusses the problem with advisor selection. Many advisors simply don’t believe good returns are possible from these types of investments. Therefore, they have not researched them. Some of them are with companies that don’t have agreements with a diverse number of mutual fund managers, resulting in

At this point, you most likely know what you’d like your side hustle to be. You’ve narrowed down your niche, looked into the feasibility of it, set expectations with your loved ones and defined what systems need to be created. Now it’s time to look at the money. 

Making money is thrilling when you start a side hustle. Generating a dollar out of thin air, instead of going into a job is exciting, and not always so easy. Here are a few things you will want to keep in mind when it comes to making money in your side hustle.

Define What You’re Selling

The first thing you need to do is define what you’re selling. Because you’ve already narrowed down your niche, you know who you will be serving – so now it’s time to really dig in to what you’ll be selling them. If you’ve decided that you are going to sell website design packages, what exactly are in those packages? Detail out what you’re selling so you can put it into a proper proposal. 

If you are having trouble defining this, just set a timer for 20 min and brainstorm all the things you could sell your target customer. You don’t have to offer it all, but if you can get it all out on paper you should be able to create a compelling package. Just remember not to overload yourself in the beginning – you want to make sure you can deliver. 

Make It Recurring

If you can create a way to bring in recurring revenue, you’ve hit side hustle gold. Recurring revenue is great for a lot of reasons, but the main one is that you sell once

If you are a good saver, you know the value of maxing out your 401(k) plan and making sure you get the employer match on your contributions. And if you’re a really good saver, you may be aware of the benefits of front-loading your 401(k) contributions, adding as much as possible to your plan early in the year. Front-loading maximizes your money’s time in the market, which should produce better returns for your 401(k) account in the long run.



a pair of glasses on a table: Don't Miss Out on Free Money by Making This 401(k) Mistake


© Provided by The Motley Fool
Don’t Miss Out on Free Money by Making This 401(k) Mistake

But if you’re not careful with your front-loaded contributions, you could actually be missing out on a portion of your employer match. That’s “free money” you deserve as an employer benefit.

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The mechanics of your 401(k) match

Let’s say you make $80,000 a year in salary. If your employer matches 4% of your salary dollar for dollar, you would assume that you’ll get an employer match on the first $3,200 you contribute to your 401(k). In other words, your account gets an extra $3,200 provided by the employer.

But it doesn’t quite work out that way. Your employer, for instance, doesn’t know if you’ll work 12 full months for the year. It doesn’t know whether you’ll get a raise midyear or if you’ll take lower compensation at some point in the year for extended time off. So, instead of matching your contribution based on your annual salary, employers usually base their matching contributions on your compensation for each pay period throughout the year.



text, letter: An envelope of cash labeled 401k.


© Getty Images
An envelope of cash labeled 401k.

So, that $80,000 annual salary breaks down to 24 pay periods of approximately $3,333 each, and your employer’s 4% match ends up going toward the first $133 or so that