How to Draft a Freelance Contract Agreement – Template & Clauses

Whether you plan to piece together a full-time-equivalent income through independent contractor gigs, or simply wish to earn side income, working as a freelancer is a great way to explore your personal creativity, pursue new professional relationships, boost your self-confidence, and build your soft skills.

Freelancing is also a great way to create professional headaches. Freelancers are independent contractors, meaning their client relationships are fundamentally different – and, in many ways, less secure – than traditional employer-employee relationships.

Every contractor-client relationship presents risks for both parties. However, you can greatly reduce the most serious risks associated with freelancing – including nonpayment and legal action – by negotiating and assenting to formal, written contracts for every project you take on.

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How to Prepare Make-Ahead Freezer Meals – Tips & Recipes

In some circles, being insanely busy is a badge of honor. It’s assumed that people who run nonstop to just barely meet their personal and professional obligations are more successful than people whose lives, while full, aren’t quite so frenetic.

Whether you accept that overscheduling is a necessary condition of productivity and material success, it’s not controversial to say that most working-age Americans are very busy, especially with kids in the mix. And, by necessity, very busy people sometimes need to make painful trade-offs.

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9 Cheap Beach Destinations for Your Next Family Vacation (U.S. & Latin America)

Whether you’re an opportunistic beachgoer or simply can’t live without sun, surf, and sand, these affordable beach destinations are all great candidates for your next getaway. Unlike many seaside locales, they boast ample amounts of cheap lodging, convenient transportation connections to the outside world, family-friendly amenities, and secluded spots that provide respite from potentially overwhelming crowds.

And if you love your chosen destination so much you never want to leave, you might not have to – most have ample waterfront (or near-waterfront) real estate, much of it affordable, and relatively low costs of living.

Affordable Beach Destinations for Your Next Getaway

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Best 43 Fun Things to Do in Portland, Oregon – Activities & Attractions

Not to be confused with its older, much smaller Maine namesake, Portland, Oregon is the Pacific Northwest’s second-largest city – the anchor of a metropolitan area some two million people strong. Thanks to its prime location in the crook of the Willamette-Columbia River junction, its proximity to the open Pacific Ocean, and its resource-rich hinterland, Portland has long been a hub of transport and industry. Back in the 19th century, the city sprang up and grew along a gentle bend in the Willamette, where its downtown core and densest neighborhoods still lie, and later spread out along the hills above its fair valley.

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Cloud-Based Business Phone Systems (PBX) – Pros & Cons, Why to Switch

Longtime “Saturday Night Live” fans fondly remember Lily Tomlin’s “Ernestine,” a recurring character from the show’s formative years. Ernestine was a smug, preening phone company employee who reveled in customers’ misfortune and delighted in her own employer’s incompetence. She was, simply, the embodiment of everything wrong with the telecommunications status quo of the late 1970s.

A lot has changed since Ernestine delighted audiences. The “Ma Bell” monopoly she represented was broken up into smaller, regional companies. Automation dramatically improved line-switching efficiency and basically eliminated human operators. The cellular revolution eroded legacy landline providers’ dominance and spurred much-needed competition. And the advent of Voice over Internet Protocol (VoIP) substantially improved the performance and usability of complex business phone systems.

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Blue Cash Everyday® Card from American Express – Review

The Blue Cash Everyday® Card from American Express (a Money Crashers partner) is a no-annual-fee cash back credit card with a very generous rewards program. Blue Cash Everyday offers 3% cash back (up to $6,000 per calendar year) on grocery store and supermarket purchases, unlimited 2% cash back at gas stations and department stores, and 1% cash back on everything else. Rewards come as statement credits once you hit the $25 redemption minimum. Although applicants do need very good to excellent credit, Blue Cash Everyday doesn’t require stellar credit, as is the case with more generous cards.

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15 Best Cash Back Credit Cards of 2016 – Reviews & Comparison

When most people hear the phrase “credit card rewards,” their minds immediately turn to cash back rewards. And why not? Flip on the TV, navigate to your favorite website, or drive around your hometown and you’re bound to see an ad for a cash back credit card before long.

Cash back credit cards are popular because they provide tangible, easy-to-understand benefits. Who doesn’t like getting a credit on their monthly credit card statement – or, better yet, actual cash deposited into the account of their choice?

Not all cash back credit cards are created equal though.

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Renting vs. Buying a House – How to Make a Decision, Pros & Cons

Given the hefty upfront costs associated with purchasing a home, most young people begin their independent lives renting an apartment. As they build careers, save money, and start families, many choose to buy a home. On the other end of the age spectrum, homeowners nearing retirement may choose to sell their family homes, downsize, and become renters once more.

Since the middle of the 20th century, the U.S. homeownership rate has fluctuated between 62% and 70%. According to CNBC, it sat at 63.4% in the second quarter of 2015, the lowest level since the mid-1960s. This decline is largely due to economic and demographic factors, such as the downsizing efforts of aging Baby Boomers, elevated housing prices in some high-population markets, and high student debt loads that prevent many younger buyers from saving enough to make down payments.

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20 Ways to Get Cheap Professional Wedding Photographers & Videographers

According to The Knot’s Real Weddings Study, wedding photographers and videographers cost $2,556 and $1,794, on average, respectively. That’s $4,350 – or approximately 14% of The Knot’s average wedding spend, excluding the honeymoon.

To be sure, millions of couples shell out less. My own wedding wasn’t bare-bones by any stretch, but we spent less than half the national average on professional photography and videography without compromising quality. And it goes without saying that not everyone can afford a $4,000-plus wedding media bill.

Still, there’s no way around it: Professional-grade wedding memories are expensive. If you’re fretting about how you’re going to pay for them, consider these tips for getting cheap (or at least, cheaper) professional wedding photography and videography – and seriously saving money on your wedding.

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