Hello, about to venture forth to the world of freelancing, and would like to know everyone's opinion/experience of using invoicing apps. Also, one client needs to for the invoices to be submitted in PDF format, not word. Thanks.
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I wasn't sure if this belonged here or in /r/webdev but here goes:
I am building an app for some clients who want me to use a few specific fonts and images that I believe they purchased from some stock photography website. What do I need to provide, if anything, disclaimer-wise in my app to keep them safe (so long as they of course have the right to use them commercially)?
Thanks in advance
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Most college students barely stop to think about the impact student loan debt may have on them in their future. After all, they’re looking for a solution to finance their education, now. The substantial debt they’re racking up to cover tuition and fees is another problem for another day.
It isn’t until sometime after graduation, when those loan payments start becoming due, that many consumers begin to think about how to handle their outstanding student loan debt.
If you find yourself currently wondering about the best way to approach your student loan debt, you might want to take a moment to consider using a personal loan or even a home equity line or home equity loan.
These options, of course, are not necessarily right for everyone, and you should certainly consider all the pros and cons before pulling the trigger. Yet there are several big benefits to paying off student loan debt with some other form of credit.
Benefit No. 1: Conversion to Dischargeable Debt
One of the biggest issues many borrowers face when it comes to student loans is the fact that the debt is typically not statutorily dischargeable in a bankruptcy. This fact holds true even if you never actually graduated or obtained a degree.
A consumer may rely on bankruptcy to help alleviate the financial pressure of just about any other type of credit obligation, but bankruptcy relief from a student loan is unavailable except under very special circumstances. Using other loans, however, to pay off your student loans removes this potential obstacle.
Of course, you should never take out a new loan with the intent of later including it in a bankruptcy. That’s called fraud. Yet it can certainly give you peace of mind to know that all your debt could potentially be included in bankruptcy if the need were ever to arise. For most consumers, bankruptcy is the last resort, but it can be comforting to know that you have the option nonetheless.
Benefit No. 2: Credit Reporting Limitations
Another problem when it comes to student loans is that when they’re in default and unpaid, they don’t have a credit reporting expiration date. An unpaid student loan in default can haunt your credit history forever.
In fact, the Fair Credit Reporting Act (FCRA), the law that governs credit reporting time limits, does not even address federal student loans at all. Those accounts are governed instead by the Higher Education Act — which says unpaid defaulted student loan debt is permitted to remain on your credit reports forever.
When you pay off your student loan debt with another type of loan, the new debt will be subject to credit reporting limitations. If a personal loan or any type of home equity account goes into default, the FCRA will require that negative debt to be removed from your credit reports within seven years. It’s not a great silver lining, but it’s better than a stick in the eye.
Benefit No. 3: No Potential Loss of Government Benefits
You could face some harsh consequences if your student loans ever go into default. Not only is student loan debt typically ineligible for inclusion in a bankruptcy, and not only can unpaid, derogatory student loan accounts remain on your credit reports forever, but you could also lose various government benefits due to defaulted federal student loan debts as well.
If you default on your student loans, the government can exercise extreme measures to collect your debt. Your wages could be garnished. Tax refunds (both federal and state) can be withheld and applied toward your outstanding debt.
In fact, a portion of your Social Security payments could be garnished – even if that’s your sole source of income and the garnishment causes severe financial hardship. As Benjamin Franklin said, “But in this world, nothing can be said to be certain, except death and taxes.” And, perhaps, the government’s ability to collect your student loan payments.
Point being, unless you’re the rare borrower who qualifies for student loan forgiveness, you’re going to pay them, or you’re going to die with them.
John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. He has written four books on the topic and has been interviewed and quoted thousands of times over the past 10 years. With time spent at Equifax and FICO, Ulzheimer is the only credit expert who actually comes from the credit industry. He has been an expert witness in over 230 credit related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit.
The post When Using Other Loans to Pay Off Student Debt Is a Good Idea appeared first on The Simple Dollar.
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I just moved into a massive 64 acre apartment complex and they have the mail in these little open air buildings and hardly anyone post anything.
Any advice, tips, or maybe alternatives to the tear tab version? I am waiting on business cards to come.
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I've been working with a client since early April on what can be described as a kids journal comic book thing. She's been very scatterbrained, contacting me constantly and bombarding me with emails, totally invested in the project but has given me very little creative direction besides inspiration photos. She insisted on having "finished work" before payment, but was hoping to show a publisher a completed book by last week. (That's only 3 months for a illustrated 12+ chapter book). After completing two chapters she requested for a deadline I sent over my first invoice at my normal hourly rate after she showed no interest when I offered to give pricing options, and now she is not interested in paying, insulting my work ethic and telling me "the project isn't complicated". She's been giving me positive feedback since our first meeting and now she is acting like this was some sort of internship and telling me she's wasted energy and time on me, and that she was just trying to get me jobs. Despise her indicating she intended to pay me at our first meeting and via email.
This is my first screw over so I'm just looking for some advice. Lesson learned, write up a contract next time.
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Skip the first part if you're not interested/not relevant or you want to get straight to the point.
I'm a 22 yr old recent graduate. went to school for graphics design, more or less. one of reqs for graduation was interning, and thought the place I interned at would hire me. at the moment, the amount of work they're getting doesn't warrant hiring another design for a while, so I figured I would turn to freelance in the meantime while looking elsewhere to work.
thing is, I don't know where to start when it comes to freelancing. I don't have much experience aside from school itself and the internship(about 40 hours), and I don't exactly have much of a network of people to get clients, at least not yet since I haven't asked around.
anyone have like general advice on how to get started, what I could do, etc?
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The freelancing life has treated me well. It has allowed me to leave a job I hated with co-workers I didn't like. I started doing work for this company (Let's just call them WebCo). about a year ago... The PM liked my work so much that she ended up refering me to another project manager within the same company and the expected me to work 20-30 hours per week on project B while already working 30 hours or so per week on Project A. I said fine, even though this leaves me almost no room to work with my other clients but the pay was good and they don't bother me much so I said sure.
My first project manager then refereed me to another short-term project that was "urgent" and required my full attention, I said fine, figured it was a way to make a quick buck in a few days. I was told the project would end on the 22nd.
So now my project manager from project A is getting antsy because I have not made any progress, PM B is also giving me shit because i'm late with my deliverables even though they both knew I would be taking on Project C.... the PM from project C works for a different agency and has no idea how much work I have and he''s also getting mad because I'm tending to three different projects and he requested me full time, even though his project was supposed to end last week and he's still sending work. All of this while i'm behind on several of my other projects by my other clients.
Two lessons I've learned from this; If you leave your 9-5 to become a freelancer, get ready to work 80 hours a week.
And second, never bite more than you can chew.
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I submitted this post last week about some problems I was having with my previous employer who is now a freelance (graphic design) client.
I submit invoice for payment every Friday with a 14-day payment request as standard but they've paid me in seven days, so I haven't changed it or made that an official part of the contract. However, last week I worked only two hours for them in four days and then went out of town where I had no cell service until yesterday (Sunday). When I finally got back to civilization, found they never paid me the most recent amount.
I (stupidly?) set some automatic payments up for bills, meant to come out of that invoice amount. Needless to say, things are now messy. I emailed the client, he assured me the invoice was handed to accounts last week and he'd make sure the payment "would be released immediately"... that was first thing this morning and it's been radio silence since.
Not only has he still not set up any kind of work flow or plan for me but now he's acting like the person who wants to dump someone by ignoring them.
Fortunately, a good friend has brought me on as a freelancer for his company and I have been able to do some work there.
So, how long do I wait to see if the original client comes around and pulls it up? What is my responsibility in prioritizing them or keeping that client as an option if they choose to contact me with work? It's not a bridge I want to burn, but I also don't want to stare at an empty in box every day, either.
TL;DR Crappy client is leaving me hanging and I have no idea how long I have to stick around for it.
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