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	<title>The Wealthy Freelancer &#187; Other Stuff</title>
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	<link>http://thewealthyfreelancer.com</link>
	<description>It's Your Freelance Career - Make it Rich!</description>
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		<title>Oprah Magazine: Ditch the Job Hunt and Go Solo</title>
		<link>http://thewealthyfreelancer.com/2010/06/oprah-magazine-ditch-the-job-hunt-and-go-solo/</link>
		<comments>http://thewealthyfreelancer.com/2010/06/oprah-magazine-ditch-the-job-hunt-and-go-solo/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 14:46:31 +0000</pubDate>
		<dc:creator>Pete Savage, Editor</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Getting Clients]]></category>
		<category><![CDATA[Having a Life!]]></category>
		<category><![CDATA[Other Stuff]]></category>
		<category><![CDATA[Strategy]]></category>
		<category><![CDATA[The Mental Game]]></category>
		<category><![CDATA[Time Management]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=2155</guid>
		<description><![CDATA[
			
				
			
		
Well&#8230; that&#8217;s it people. I think it&#8217;s pretty much case closed now. 
Economists, academics, thought leaders, bestselling authors&#8230; it seems just about everyone has weighed in on the topic of the new economy and the fact that self-employed professionals are taking center stage. 
But this month, freelancing or &#8220;working independently&#8221; or being a &#8220;solopreneur&#8221; (no [...]]]></description>
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<p>Well&#8230; that&#8217;s it people. I think it&#8217;s pretty much case closed now. </p>
<p>Economists, academics, thought leaders, bestselling authors&#8230; it seems just about everyone has weighed in on the topic of the new economy and the fact that self-employed professionals are taking center stage. </p>
<p>But this month, freelancing or &#8220;working independently&#8221; or being a &#8220;solopreneur&#8221; (no one has quite settled on the catch-all phrase to describe us yet) was officially ordained as the way of the future by the mainest of mainstream media&#8230;</p>
<p>It&#8217;s right there in black and white, on page 42 of the July issue of <em>O Magazine</em>&#8230;<br />
<span id="more-2155"></span>   </p>
<blockquote><p>&#8220;Stop looking for a staff position&#8230;&#8221; &#8220;&#8230;package yourself as an independent contractor for hire on a project by project basis.&#8221; <strong>– Suze Orman</strong> <em>O Magazine, July 2010</em></p></blockquote>
<p><strong>O My!</strong><br />
Let&#8217;s just pause for a second and appreciate the gravity of this&#8230; here you have Suze Orman, perhaps the most recognized personal finance expert in America, in one of the nation&#8217;s leading magazines, telling millions of readers to eschew the traditional J-O-B and go solo. </p>
<p>Um. That&#8217;s HUGE. </p>
<p>You can <a href="http://www.oprah.com/money/Finding-a-Job-Strategies-Suze-Orman-Career-Help" target="_blank">read the full article online</a> for the proper context, but basically Orman&#8217;s advice came in response to a reader (someone with a master&#8217;s in HR) who was frustrated with job hunting after 40 applications turned up crickets .  </p>
<p>With her advice to look for project-based contract work, Orman adds her voice to the chorus of people like Seth Godin, Dan Pink and countless others who&#8217;ve been telling us for years (many years, in Pink&#8217;s case) that freelancing, or whatever you want to call it, is increasingly <em>how we roll</em> in North America now. (Seth Godin even refers to himself a freelancer, <a href="http://blog.therisetothetop.com/2010/02/seth-godin-what-it-takes-to-be-an-entrepreneur-way-beyond-2010/" target="_blank">in this recent video interview</a>.) </p>
<p>Seeing advice like this in the pages of <em>O</em>, from a mega-high profile author like Orman will be a wake-up call for a lot of people. If you thought &#8220;going solo&#8221; was just a trend, watch what happens now, and in the next few years to come.</p>
<p><strong>Who stands to profit from this? YOU!</strong><br />
If you&#8217;re reading this blog, odds are you&#8217;re already an indpendent professional, consultant, freelancer, solopreneur, whatever-you-call-yourself or you&#8217;re working toward that vision. So&#8230; if you&#8217;ve been hesitantly dipping your toe in the warm waters of freelancing, now is the time to take the plunge. FULLY. Get ahead of the wave, go all out, and build your solo business. NOW is the time. </p>
<p>*<br />
Pete Savage is co-author of <em>The Wealthy Freelancer</em> and doesn&#8217;t quite know how to answer, <em>&#8220;Why were you reading Oprah Magazine, anyway?&#8221; </em>so don&#8217;t ask. </p>
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		<title>A Highly Effective Money-Management System for Freelancers and Solo Professionals</title>
		<link>http://thewealthyfreelancer.com/2010/06/a-highly-effective-money-management-system-for-freelancers-and-solo-professionals/</link>
		<comments>http://thewealthyfreelancer.com/2010/06/a-highly-effective-money-management-system-for-freelancers-and-solo-professionals/#comments</comments>
		<pubDate>Tue, 15 Jun 2010 12:05:41 +0000</pubDate>
		<dc:creator>Ed Gandia, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=2112</guid>
		<description><![CDATA[
			
				
			
		
One of the most frustrating aspects of being a freelancer is how clueless everyone else seems to be about the world in which we live and work.
They don’t understand the pressures we face. They can’t imagine not having a boss to report to. Or the fact that working from home doesn’t mean we’re sitting on [...]]]></description>
			<content:encoded><![CDATA[<p></p><div class="tweetmeme_button" style="float: Right; margin-left: 10px">
			<a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F06%2Fa-highly-effective-money-management-system-for-freelancers-and-solo-professionals%2F"><br />
				<img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F06%2Fa-highly-effective-money-management-system-for-freelancers-and-solo-professionals%2F&amp;source=TWFblog&amp;style=normal&amp;space=2" height="61" width="50" /><br />
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<p><img class="alignleft size-full wp-image-2113" title="MoneyBookCover_Final" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/06/MoneyBookCover_Final.jpg" alt="" width="200" height="300" />One of the most frustrating aspects of being a freelancer is how <em>clueless</em> everyone else seems to be about the world in which we live and work.</p>
<p>They don’t understand the pressures we face. They can’t imagine not having a boss to report to. Or the fact that working from home doesn’t mean we’re sitting on the couch eating Ho Hos and watching Oprah.</p>
<p>And NO ONE (including most personal finance authors and publications) seems to be able to fully grasp how hard it is to manage your finances when your income is variable.</p>
<p>When clients flake out and their payment is late. When you have to fund your retirement. When you have to set money aside to pay for your taxes every quarter. When you have to find and buy your own health insurance.</p>
<p>The topic of money played a big role in our book <em>The Wealthy Freelancer.</em> But our money discussions centered on how to boost your income for every hour you worked in your business. That way you could earn the same or more in less time, freeing up precious hours to do all the other things you want to do in life.</p>
<p>Where we left off was how to <em>manage</em> your cash flow. We knew that this was a much bigger topic — one that required a comprehensive discussion. So we spent half a chapter covering some of the basics while urging you to consult other sources for more specialized information.</p>
<p>Well…that’s where <a href="http://www.freelance-finance.com/Welcome.html"><em>The Money Book for Freelancers, Part-Timers, and the Self-Employed</em></a> comes in. This new book — written by Joseph D’Agnese and Denise Kiernan, two very successful freelancers — is an absolute must-read for any independent worker out there.<span id="more-2112"></span></p>
<p>In the first few chapters, you’ll be exposed to some very practical tools for forecasting your earnings and managing your cash. You’ll be able to create a “spending identity statement” (very helpful!). And you’ll have the clarity you need to:</p>
<ul>
<li>Identify      your financial goals</li>
<li>Categorize      those goals to look for trends</li>
<li>Prioritize      your goals as a step toward building an action plan</li>
</ul>
<p>D’Agnese and Kiernan then introduce you to a brilliant cash flow system that could only have been engineered by someone who’s in the freelancer trenches every day. It’s simple and easy to implement, regardless of your current financial knowledge or your comfort level with math.</p>
<p>It also doesn’t matter how little or how much you’re earning as a solo professional. The authors’ system will easily scale up or down. It’s also very flexible. So it doesn’t matter if you spend a big part of the year traveling the world on different assignments, if you’re more of a traditional work-from-home freelancer, or if you’re moonlighting while you keep your day job.</p>
<p>Best of all, it works! I’ve already implemented a few of their ideas and am getting great results, which is very motivating!</p>
<p>Here’s a great bonus: you’ll actually have fun reading this handy guide. In fact, I think this is the first personal finance book that has made me laugh! The authors’ voices and personalities really come through, and they keep you engaged and entertained all the way to the end.</p>
<p><em>The Money Book</em> is an excellent companion to <em>The Wealthy Freelancer</em>. This combo is a powerful one-two punch that will kick your business and finances into high gear at a time when many of us need to get our financial house in order.</p>
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		<title>Three Tips for Developing a Kick-Butt Website on a Budget</title>
		<link>http://thewealthyfreelancer.com/2010/06/three-tips-for-developing-a-kick-butt-website-on-a-budget/</link>
		<comments>http://thewealthyfreelancer.com/2010/06/three-tips-for-developing-a-kick-butt-website-on-a-budget/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 15:13:10 +0000</pubDate>
		<dc:creator>Dianna Huff</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=2092</guid>
		<description><![CDATA[
			
				
			
		
In my last article I talked about how freelancers, in an effort to save money, often fall prey to those all-in-one el-cheapo DIY Website solution packages. These sites often end up costing more in the long run.
“But,” you may be asking, “just what am I supposed to do? I’m one person, I just started my [...]]]></description>
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			<a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F06%2Fthree-tips-for-developing-a-kick-butt-website-on-a-budget%2F"><br />
				<img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F06%2Fthree-tips-for-developing-a-kick-butt-website-on-a-budget%2F&amp;source=TWFblog&amp;style=normal&amp;space=2" height="61" width="50" /><br />
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<p><img class="alignleft size-medium wp-image-2093" title="www construction" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/06/dreamstime_13164177-300x200.jpg" alt="" width="210" height="120" />In my<a href="http://thewealthyfreelancer.com/2010/04/three-penny-wise-pound-foolish-web-marketing-mistakes/" target="_blank"> last article</a> I talked about how freelancers, in an effort to save money, often fall prey to those all-in-one el-cheapo DIY Website solution packages. These sites often end up costing more in the long run.</p>
<p>“But,” you may be asking, “just what am I supposed to do? I’m one person, I just started my business, and I don’t have a lot of money.”</p>
<p>Developing a terrific Website that gets business in the door doesn’t have to cost a lot – you just need to know your options.<span id="more-2092"></span></p>
<p><strong>1. Develop a creative brief and site map.</strong></p>
<p>The first step in creating a Website that doesn’t run over budget is to be explicitly clear about what you want your Website to do for you. Some questions to ask include:</p>
<ul>
<li>What kinds of sites do you like and why?</li>
<li>What is your branding? Will you need a logo?</li>
<li>Will you be publishing a blog? If so, it should be part of your site (i.e. yourdomainname.com/blog)</li>
<li>What content do you have already that you can add to the site (i.e. reports, e-books, articles, etc.)</li>
<li>If you have a site and you’re upgrading, what’s working and what’s not?</li>
<li>Will you be incorporating social media? How about an e-newsletter?</li>
</ul>
<p>You’ll also want to include a site map that lists the proposed sections and pages.</p>
<p>Your creative brief is your roadmap and will help your Web designer better quote your project. It will also help prevent project creep – saving you big money down the road.</p>
<p><strong>2. WordPress, WordPress, WordPress</strong></p>
<p>A content management system (CMS) that many people think is used only for blogs, WordPress (WP) makes updating a Website quick and easy, eliminates all the back and forth between you and a Web designer, and significantly lowers your Web costs.</p>
<p>Because it’s open source, you can make WP do all sorts of neat, customized functions. When I publish case studies to my DH Communications Website, for example, my WP designer made it so that my case study “overview” page is automatically updated as well. Ditto for my e-newsletter archive page. It’s pretty amazing, actually – and has saved me countless hours and design fees.</p>
<p>WP is free, and lots of free WP themes exist, which makes WP a great resource for budget-minded consultants and freelancers. However, you’ll want to customize an existing WP theme or have a designer develop a custom template for you – which brings me to my next point.</p>
<p><strong>3. Don’t do it yourself.</strong></p>
<p>I highly recommend you hire a competent WP designer. WordPress is easy to use once you have the template up and running. Customizing WP, however, is not.</p>
<p>You want someone who combines extensive WP programming <strong>and</strong> design expertise.</p>
<p>You can find WP designers via eLance or other sites like it.</p>
<p>Having been down the painful road of trying to find a competent WP professional, I recommend that you ask plenty of questions of prospective designers, view portfolios and <strong>get a signed contract with milestones, deadlines and costs spelled out</strong>.</p>
<p>This is where your creative brief comes in: prospective WP designers should be able to look at it and give you a rough quote and/or tell you if they can build a site based on what you want.</p>
<p>In the last article of this series, I’ll explain how to develop a plan for creating a content rich, optimized site that showcases your expertise and gets you found in the search engines.</p>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;</p>
<p>Dianna Huff, a veteran Web Marketing Expert, helps consultants and freelancers maximize their online marketing efforts with marketing assets they already own – and without spending a lot of money. To learn more about her Web marketing coaching services, and to download her free Twitter report, visit <a href="http://www.the-profitable-consultant.com/">www.the-profitable-consultant.com</a>. You can also follow her on Twitter <a href="http://www.twitter.com/WebMktgCoach">@WebMktgCoach</a></p>
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		<title>Movies Every Solo Professional Must Watch</title>
		<link>http://thewealthyfreelancer.com/2010/05/every-solo-professional-must-watch-these-movies/</link>
		<comments>http://thewealthyfreelancer.com/2010/05/every-solo-professional-must-watch-these-movies/#comments</comments>
		<pubDate>Tue, 25 May 2010 22:35:39 +0000</pubDate>
		<dc:creator>Ed Gandia, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=2052</guid>
		<description><![CDATA[
			
				
			
		
I laughed uncontrollably when I watched the movie Wedding Crashers.
And Superbad had me laughing so hard, my dog started barking. She didn’t know what was wrong with me!
Yes, I love a good, silly comedy like anybody else. But over the last few years, I’ve been less and less willing to waste my time on a [...]]]></description>
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<p><div class="wp-caption alignleft" style="width: 240px">
	<a href="http://www.flickr.com/photos/41002268@N03/"><img class=" " style="margin-right: 12px" title="Movie Reel" src="http://farm5.static.flickr.com/4056/4210628538_c74310829c_m.jpg" alt="" width="240" height="240" /></a>
	<p class="wp-caption-text">Courtesy Carbon Arc</p>
</div>
<p>I laughed uncontrollably when I watched the movie <em>Wedding Crashers</em>.</p>
<p>And <em>Superbad</em> had me laughing so hard, my dog started barking. She didn’t know <em>what </em>was wrong with me!</p>
<p>Yes, I love a good, silly comedy like anybody else. But over the last few years, I’ve been less and less willing to waste my time on a bad movie at the theater or on a crappy show on TV.</p>
<p>I’m not talking about <em>Wedding Crashers </em>and<em> Superbad</em>.</p>
<p>I’m talking about movies and shows that do little for me. They’re just… “blah.” They’re movies that, after watching them, make me feel like I just ate a half gallon of Ben &amp; Jerry’s ice cream (it felt good at first…but now I feel like crap!).</p>
<p>Maybe I’m getting old. Or maybe I’m just too busy and less willing to waste any of my treasured down time.</p>
<p>But when I do carve out some time to watch TV or go see a movie, I’m looking for material that can move me in at least one of three ways:</p>
<ul>
<li>It makes me laugh</li>
<li>It makes me cry</li>
<li>It moves or inspires me</li>
</ul>
<p>That last category is especially important. We <em>need</em> inspirational movies. Especially today. And especially if you make a living as an independent worker or solo professional.<span id="more-2052"></span></p>
<p>A movie or show that stirs you up inside can be a great catalyst for action. It can move you to take more risks in your business. To try harder. To be a better person, a better parent, a better spouse. To live your purpose in a deeper and more profound way.</p>
<p>What kind of movies can do this? Here’s my partial list, in no particular order (although <em>Seabiscuit</em> is probably my top choice):</p>
<ul>
<li><em>Seabiscuit</em></li>
<li><em>Shawshank Redemption</em></li>
<li><em>Cinderella Man</em></li>
<li><em>Les Misérables</em></li>
<li><em>The Patriot</em></li>
<li><em>The Pursuit of      Happyness</em></li>
<li><em>Good Will Hunting</em></li>
<li><em>Forrest Gump</em></li>
<li><em>The Color Purple</em></li>
<li><em>Rudy</em></li>
<li><em>Peaceful Warrior</em></li>
</ul>
<p><strong>Now it’s your turn. What are your top inspirational movies? </strong></p>
<p>What movies send chills down your spine? Give you goose bumps. Get you pumped up. Give you the courage you need to do and be more. To do good. To become a better mom, dad, husband, wife, friend. To change the world.</p>
<p>We’d love to hear from you.</p>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;-</p>
<p><strong>Ed Gandia</strong> is co-author of <em>The Wealthy Freelancer: 12 Secrets to a Great Income and an Enviable Lifestyle</em> (Penguin/Alpha). To grab 3 free chapters of his book and a complimentary copy of his Freelancer’s Income Expander Kit (containing 4 reports worth $126), visit <a href="http://www.thewealthyfreelancer.com/bonus">www.TheWealthyFreelancer.com/bonus</a></p>
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		<title>5 Fundamental Credos of Effective Client Management</title>
		<link>http://thewealthyfreelancer.com/2010/05/5-fundamental-credos-of-effective-client-management/</link>
		<comments>http://thewealthyfreelancer.com/2010/05/5-fundamental-credos-of-effective-client-management/#comments</comments>
		<pubDate>Tue, 04 May 2010 22:20:24 +0000</pubDate>
		<dc:creator>Pete Savage, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=1961</guid>
		<description><![CDATA[
			
				
			
		

What&#8217;s the easiest way to make your clients WANT to give you additional work, or refer new business your way?
Doing your best work is part of it, but there are actually five fundamental credos that should form the foundation of your freelance practice.
These are indeed basic credos, but they&#8217;re worthy of our attention because, as [...]]]></description>
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<div class="zemanta-img" style="margin: 1em; display: block;"><div class="wp-caption alignleft" style="width: 148px">
	<a href="http://www.flickr.com/photos/12836528@N00/2577006675"><img class="  " title="Reflections" src="http://farm4.static.flickr.com/3057/2577006675_b5dd38dca6_m.jpg" alt="Reflections" width="148" height="142" /></a>
	<p class="wp-caption-text">Image by kevindooley via Flickr</p>
</div></div>
<p>What&#8217;s the easiest way to make your clients WANT to give you additional work, or refer new business your way?</p>
<p>Doing your best work is part of it, but there are actually five fundamental credos that should form the foundation of your freelance practice.</p>
<p>These are indeed basic credos, but they&#8217;re worthy of our attention because, as in most things in life, if you stop paying attention to the basics, sooner or later you&#8217;re bound to get tripped up.</p>
<p>Have a look&#8230; <span id="more-1961"></span></p>
<p><strong>Credo #1: Be a Joy to Work With</strong><br />Make it your mission to be the person who delivers excellent work on every project, while making the entire process a treat for the client.</p>
<p>There&#8217;s no future for the rude, short-tempered or arrogant freelancer. Don&#8217;t be unpleasant to work with by heaving an audible sigh when the client asks for minor revisions or changes to your work.</p>
<p><strong>Credo #2: Be Professional</strong><br />If you call yourself a professional, you must act professionally at all times. This means much more than simply meeting deadlines, keeping promises, and the like. This means you take ownership of the work you engage in.</p>
<p>It means you eschew the &#8220;I&#8217;ve done my part; now the ball&#8217;s in the client&#8217;s court&#8221; attitude so many freelancers adopt. Instead, you exude a more positive, collaborative demeanor. You accept feedback with confidence and humility, and you strive to make clients happy.</p>
<p><strong>Credo #3: Deliver Outstanding Work</strong><br />On every project, put forth your best effort and deliver your best work.</p>
<p>Avoid rushing to complete jobs, and try not to cram your schedule so tight with deadlines that you&#8217;re always working under time pressure to just get projects out the door. The quality of your work will suffer, and so will your chances of securing repeat business.</p>
<p>Speaking of quality, be sure the work you submit to clients has passed through some sort of quality-control process. Whatever you produce, be sure your work has been proofread, checked for errors, and is vetted against the specifications outlined by your client, etc. Consistently delivering outstanding, high-quality work is the best way to ensure you get more!</p>
<p><strong>Credo #4: Be Flexible</strong><br />Not all projects will go smoothly.</p>
<p>You might encounter delays because someone in your client&#8217;s company is unreachable for a day or two. A certain phase of the project might get put on hold. Or the scope might change considerably midway through the project. These things happen, so you must expect them and roll with them.</p>
<p>The difference between average and top-earning freelancers is that the top earners always try to create win-win outcomes for themselves and their clients, rather than complain and get deflated when a project doesn&#8217;t go according to plan.</p>
<p><strong>Credo #5: Thank Clients Frequently</strong><br />Your clients are human beings. They appreciate sincere gestures and acts of kindness just like everyone else. Let your clients know you appreciate their business.</p>
<p>A handwritten thank-you card sent through the mail is a high-impact and low-cost way to do just that. You don&#8217;t have to send a card out for every project, but certainly send at least one at the beginning of your first engagement.</p>
<p>As your relationship grows, you can even go a few steps further by expressing your appreciation with a small, suitable gift such as a gift card for a favorite coffee shop, a bottle of wine, chocolates, flowers, or a gift basket.</p>
<p>Holding yourself to these basic standards is not hard. But we freelancers are human beings, not machines, so sometimes we let emotions, circumstances or just plain laziness distort our focus on the basics. How are you doing at following these five basic credos with each of your clients?</p>
<p>&#8211;</p>
<p>Pete Savage is co-author of <em>The Wealthy Freelancer: 12 Secrets to a  Great Income and An Enviable Lifestyle</em>. Now available at bookstores  everywhere.</p>
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		<title>Real Health Insurance Solutions for Uninsurable Freelancers</title>
		<link>http://thewealthyfreelancer.com/2010/03/real-health-insurance-solutions-for-uninsurable-freelancers/</link>
		<comments>http://thewealthyfreelancer.com/2010/03/real-health-insurance-solutions-for-uninsurable-freelancers/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 12:30:33 +0000</pubDate>
		<dc:creator>Yolander Prinzel</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

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Editor’s Note: Today’s blog post comes from Yolander Prinzel, one of the freelancers we profiled in our new book. The recently passed healthcare legislation in the U.S. will likely change (or add to) some of the options listed below. But if you’re planning on going solo (or if you’re already on your own and are [...]]]></description>
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<p><em>Editor’s Note: Today’s blog post comes from Yolander Prinzel, one of the freelancers we profiled in our new book. The recently passed healthcare legislation in the U.S. will likely change (or add to) some of the options listed below. But if you’re planning on going solo (or if you’re already on your own and are looking for healthcare solutions), don’t wait for Washington. Start doing your homework today!</em></p>
<p><a href="http://www.freedigitalphotos.net/images/view_photog.php?photogid=1152"><img class="alignleft size-medium wp-image-1810" style="margin-right: 15px; margin-bottom: 10px" title="healthcare" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/03/healthcare-300x187.jpg" alt="" width="240" height="150" /></a>When it comes to health insurance, there are a lot of issues freelancers could bring up. Some freelancers think health insurance is too expensive, others hate the restrictions on doctors you can see, and others… well, others would be happy with just about any policy if only they could get one.</p>
<p>Unfortunately, the last group—those freelancers who can’t get health insurance—is usually filled with exactly the kind of freelancers who desperately need health insurance… those who are sick and have pre-existing medical conditions like heart disease, diabetes, muscular dystrophy and others. And when an insurance company sees these cost-prohibitive conditions on an individual’s application for insurance, they decline them.</p>
<p>But all is not lost. If you are a freelancer with a pre-existing condition who needs health insurance but doesn’t know where to turn, here are some ideas for you.</p>
<p><span id="more-1808"></span></p>
<p>•    <strong>State High-Risk Pools: </strong>Many states have subsidized pools for uninsured individuals. These pools are for individuals who have been declined individual coverage and don’t have access to group insurance. Not every state has a high-risk pool and some states have pools that are closed to new applicants. You can see if your state has a high-risk pool here <a href="http://www.cobrahealth.com/statehighriskpools.html." target="_blank">http://www.cobrahealth.com/statehighriskpools.html. <br /></a><br />•    <strong>COBRA: </strong>If you have recently left your job to freelance fulltime then you may be able to elect a continuation of your former employer’s group coverage through COBRA, albeit at a higher premium. With COBRA you can keep the policy for 18 months (36 in the event of divorce). If you didn’t leave your former employer voluntarily and were laid off or fired (for anything other than gross misconduct) there are many measures in place now that will allow you to get tax credits and subsidies for your COBRA premiums. The United States Department of Labor answers your questions about COBRA here <a href="http://www.dol.gov/dol/topic/health-plans/cobra.htm" target="_blank">http://www.dol.gov/dol/topic/health-plans/cobra.htm</a>.</p>
<p>•    <strong>HIPAA:</strong> Once COBRA coverage ends, if you are unable to get a group policy and are denied an individual insurance policy, HIPAA (the Health Insurance Portability and Accountability Act of 1986) will give you special enrollment opportunities that allow you to keep insurance coverage. Unfortunately, there are no guarantees as to the benefits and cost of these opportunities. You can find out more about HIPAA here: <a href="http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html" target="_blank">http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html</a>. In order to qualify for HIPAA special enrollment options you must not end the COBRA coverage voluntarily before your 18 months are over.</p>
<p>•    <strong>Group Insurance through Unions: </strong>Group insurance is not underwritten on an individual basis so an uninsurable person can get coverage and will pay the same rates as others in the group. Many freelancing unions offer group health insurance coverage to members who are residents of New York. Residents of other states will find that the majority of unions do not offer group coverage in their state unless their union is associated with The Entertainment Industry Group Insurance Trust (TEIGIT) which gives access to group insurance for residents of eight states. To find out if your union is associated and if your state is eligible, check their website <a href="http://www.teigit.com/associations.cfm" target="_blank">http://www.teigit.com/associations.cfm</a>. Remember: In order to avoid a pre-existing condition exclusion in most group insurance policies you must have had no breaks in creditable coverage longer than 63 days (per HIPAA). If you have had a break in coverage that exceeds 63 days the group insurance carrier may exclude your pre-existing condition up to 12 months.</p>
<p>•    <strong>Small Business Group Policies:</strong> Some states allow group insurance coverage for really small, 2-50 employee businesses. If you have incorporated your freelancing business and have a spouse to add to the corporation, you should meet with an insurance agent to find out if group insurance is a viable option. Keep in mind that while the initial policy won’t be experience-rated based on your own claims experience (instead it will be rated based on the experience of similar groups), after the first year has passed your groups individual claims experience will be analyzed. Since you have such a small group, there aren’t many healthy people to help absorb some of the average claims experience and rate increases so rates could be raised substantially.</p>
<p>•    <strong>Limited Benefit Plans:</strong> Limited benefit plans are something many uninsurable people turn to in order to get some sort of coverage. These plans are not insurance policies. They are medical plans that offer limited reimbursement and benefits. The problem is they have very low benefit caps. Some of them cover just $5,000 worth of hospital costs over the entire life of the policy. You might consider combining them with a major medical policy (if you can get approved), but if you need a lot of monthly prescription medications, doctor’s visits and expensive tests, these won’t give too much protection. In addition these plans may not qualify as creditable coverage under HIPAA and could leave you at risk for having a break in coverage. Of all the choices facing uninsurable freelancers, limited benefit plans may be the worst.</p>
<p>If you have any questions or concerns about the insurance option you are considering, search your area for health insurance advocates. Many attorneys and non-profit groups exist to help you wade through the fine print and figure out the best solution for you.</p>
<p><span style="font-size: x-small;">Image:<a href="http://www.freedigitalphotos.net/images/view_photog.php?photogid=1152"> jscreationzs / FreeDigitalPhotos.net</a></span></p>
<p>&#8211;</p>
<p><em><a href="http://www.yolanderprinzel.com/" target="_blank"><strong>Yolander Prinzel</strong></a> is a finance and insurance writer as well as a FINRA series 7, 66 and 2-15 licensed financial representative. Her e-book, <a href="http://www.yolanderprinzel.com/samples-manuals-and-business-plans/youve-found-your-specialty-now-what/" target="_blank">“You’ve Found Your Specialty—Now What? Tips and tricks to finding and scoring clients while making a living writing what you know”</a> is available on her website.</em></p>
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		<title>Do Freelancers Need to Have a Blog?</title>
		<link>http://thewealthyfreelancer.com/2010/03/do-freelancers-need-to-have-a-blog/</link>
		<comments>http://thewealthyfreelancer.com/2010/03/do-freelancers-need-to-have-a-blog/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 11:30:38 +0000</pubDate>
		<dc:creator>Michael Martine</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=1771</guid>
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Guest Post: Michael Martine is the world’s #1 ranked blog  consultant. In addition to  the tons of free content at  Remarkablogger, you can also take a free  course valued at $49 on how to  grow your blog traffic.  You’ll find Michael on Twitter a  lot  (probably too [...]]]></description>
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<p>Guest Post<em>: Michael Martine is the world’s #1 ranked <a href="http://remarkablogger.com/">blog  consultant</a>. In addition to  the tons of free content at  Remarkablogger, you can also take a free  course valued at $49 on <a href="http://blogtrafficfisher.com/">how to  grow your blog traffic</a>.  You’ll find <a href="http://twitter.com/remarkablogger">Michael on Twitter</a> a  lot  (probably too much).</em></p>
<h2><a href="http://farm3.static.flickr.com/2188/2351656805_d97b8a6395_m.jpg"><img class="alignleft" style="margin-right: 10px;" title="Fast Fingers" src="http://farm3.static.flickr.com/2188/2351656805_d97b8a6395_m.jpg" alt="" width="240" height="165" /></a>Do Freelancers Need to Have a Blog?</h2>
<p>In a word, <em>yes</em>.</p>
<p>But of course, you want to know <em>why</em> freelancers need to blog. Blogging is a serious commitment of time and a little money (for a good design if you&#8217;re not a blog designer already). Freelancers need to blog for the same reasons any business does: to market their services. Can this be done without a blog? Yes, but not very well. All the other freelancers with blogs are going to clobber you: they will get more qualified traffic than you to their sites, they will rank higher in search than you, and their prospects will be more likely to trust and want to do business with them.</p>
<p>The truth is, it&#8217;s become something of an arms race. You&#8217;ve got to have a blog simply to play on par with your competition. But the reason this arms race began is because is blogs confer real advantages, and more and more freelancers (the web developers and designers first) wanted to have those advantages for themselves. Myself personally, I don&#8217;t know of a single successful freelancer who does not have a blog, period.  <span id="more-1771"></span></p>
<h2>What Can a Blog do for Freelancers?</h2>
<p>What advantages can blogging give the freelancer? Many, and they&#8217;re interrelated and they compound each other for even greater &#8220;emergent&#8221; or network effects.</p>
<ul>
<li><strong>Blogs serve as living portfolios for your work</strong>. If you&#8217;re a writer, blog posts are mostly writing. If you&#8217;re an illustrator or developer, blog posts can showcase your latest creations and experiments. Because blog posts are frequent and recent, prospective clients know you&#8217;re active and that they&#8217;re seeing your very latest work.</li>
<li><strong>Blogs convey your personality to prospective clients</strong> far better than &#8220;normal&#8221; websites do. Blog posts are usually written in a casual voice. We write blog posts like how we talk, not like academic papers. It&#8217;s been shown in sales situations over the decades that people like to do business with those they like and who they perceive as being like them. This leads to trust, and trust leads to freelance gigs that pay the bills. This is why it&#8217;s perfectly fine to let a little bit of the &#8220;real you&#8221; out on your blog. Regular websites just don&#8217;t have this dynamic: they&#8217;re lifeless, and blogs are full of life.</li>
<li><strong>Blogs help clients find you</strong>. In a very basic, brute-force sort of way, the more content about a particular subject there is on a website, the better that site ranks in search for its topic keywords. Keywords are what people type into the search box at Google or Bing. The more blog posts you write, the more of a &#8220;search magnet&#8221; your blog becomes. A blog vs. a non-blog site is no contest in this regard, because the blog dwarfs a &#8220;normal&#8221; website with the volume of its content. And more gets created every week. Not only that, but from a technical standpoint, blogs provide better search engine optimization right &#8220;out of the box.&#8221; The very built-in features and structure of the blog give it better SEO than a &#8220;regular&#8221; website.</li>
<li><strong>Blogs make it easier for prospective clients to hire you</strong>. How? In two ways: one, by being technically easy to work with. A WordPress blog allows you add functionality in the form of <em>plugins</em>, which can provide you with contact forms for your clients to get in touch with you. You can create your services pages and portfolio pages easily. The second way has to do with the conversational nature of blogs. Blogs are a dialogue, not a monologue. Prospective clients can ask questions and interact with you easily, allowing you to handle objections, answer questions, and build up trust which precedes hiring.</li>
<li><strong>Blogs are easy to use</strong>. I&#8217;ve been able to teach the most technophobic old writers how to blog, and if they can learn it, anyone can. Writing a blog post is hardly any different (technically) than writing an email. Instead of a subject line, you have a headline. Instead of an email message body, you have the post content. Instead of a bunch of replies, you have blog comments. Instead of attaching a file, you upload a picture (if you want your post to have a picture). That part is easy-peasy.</li>
</ul>
<h2>A Word of Warning</h2>
<p>The benefits listed above are very real and are enjoyed by countless successful freelancers. However, we&#8217;re not operating under any illusions, here. There are some warnings you should heed.</p>
<ul>
<li><strong>If you&#8217;re not clear on your freelancing business, your blog won&#8217;t be clear, either</strong>. It&#8217;s not good enough these days to &#8220;just&#8221; be a writer or an illustrator. You have to specialize, and your particular client base needs to recognize instantly that you&#8217;re the person for them when they hit your site. But if you&#8217;re vague about what you do and who you serve, potential clients will just bounce right off you because they don&#8217;t see anything that speaks directly to them and their needs.</li>
<li><strong>Getting your blog set up <em>right</em> requires an investment</strong>. Whatever it is you don&#8217;t do, you&#8217;ll need to hire out for your blog. If you&#8217;re not a professional blog designer (and notice I said <em>blog designer</em>, not <em>web designer</em>), you need to hire someone who is to design and set up your blog for you correctly. Professional blogs nowadays are <em>self-hosted</em> WordPress blogs, not free blogs on Blogger or free blogs hosted on WordPress.com.</li>
<li><strong>A blog that&#8217;s never updated is worse than no blog at all</strong>. Nothing screams &#8220;I&#8217;m lazy and don&#8217;t care&#8221; like a blog that hasn&#8217;t been updated in months. Maybe you were swamped with client work, but that&#8217;s not what prospective clients are going to think when they hit your ghost town. They&#8217;re going to wonder if anybody&#8217;s home.</li>
<li><strong>Don&#8217;t fall into the trap of writing for your peers</strong>. The people most likely to leave comments on your blog won&#8217;t be prospective clients, it will be your peers. It&#8217;s great to have strong relationships with others in your field, don&#8217;t get me wrong. But those people are not your customers and they&#8217;re not going to give you any money to heat your house and feed your family. Remember who you&#8217;re writing to, and why: you are writing to appeal to your target market so they will want to do business with you.</li>
</ul>
<p>Do you have a blog? How&#8217;s that working for you? Any concerns or issues? Let us know in the comments!</p>
<p><span style="font-size: x-small;">Photo courtesy <a href="http://www.flickr.com/photos/katiekrueger/2351656805/" target="_blank">KatieKrueger </a>on Flickr</span></p>
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		<title>Loving Twitter. Facebook? Meh.</title>
		<link>http://thewealthyfreelancer.com/2010/01/loving-twitter-facebook-meh/</link>
		<comments>http://thewealthyfreelancer.com/2010/01/loving-twitter-facebook-meh/#comments</comments>
		<pubDate>Thu, 28 Jan 2010 06:05:13 +0000</pubDate>
		<dc:creator>Pete Savage, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=1030</guid>
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I&#8217;m really digging Twitter now. To me, it&#8217;s become a great place to exchange ideas, advice, questions and answers.
I&#8217;m enjoying being able to disseminate advice and information to freelancers in real time, it&#8217;s also helping me stay sane while Steve, Ed and I wait patiently for the The Wealthy Freelancer book to come out in [...]]]></description>
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			<a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F01%2Floving-twitter-facebook-meh%2F"><br />
				<img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fthewealthyfreelancer.com%2F2010%2F01%2Floving-twitter-facebook-meh%2F&amp;source=TWFblog&amp;style=normal&amp;space=2" height="61" width="50" /><br />
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<p><img class="alignleft size-full wp-image-1041" style="margin-right: 8px;" title="facebookvstwitter" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/01/facebookvstwitter.jpg" alt="facebookvstwitter" width="256" height="89" />I&#8217;m really digging Twitter now. To me, it&#8217;s become a great place to exchange ideas, advice, questions and answers.</p>
<p>I&#8217;m enjoying being able to disseminate advice and information to freelancers in real time, it&#8217;s also helping me stay sane while Steve, Ed and I wait patiently for the <em>The Wealthy Freelancer</em> book to come out in March.</p>
<p>I&#8217;m just bursting with anticipation for you to read that book! So lately I&#8217;ve been tweeting bits and pieces of advice right from the pages of the book, and the other odd gem from the &#8220;cutting room floor&#8221;.</p>
<p>Some of these tips get retweeted too, which is always nice&#8230;</p>
<p><span id="more-1030"></span></p>
<p><img class="alignnone size-full wp-image-1031" title="twitterimage" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/01/twitterimage.png" alt="twitterimage" width="532" height="82" /></p>
<p>And it&#8217;s very nice to hear from freelancers on Twitter who like what we&#8217;re doing here at TheWealthyFreelancer.com&#8230;</p>
<p><img class="alignnone size-full wp-image-1032" title="kevinwebbtwitterimage" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/01/kevinwebbtwitterimage.png" alt="kevinwebbtwitterimage" width="526" height="61" /></p>
<p>And sometimes I just have a little fun&#8230;</p>
<p><img class="alignnone size-full wp-image-1033" title="petesavagetwiterimage" src="http://thewealthyfreelancer.com/wp-content/uploads/2010/01/petesavagetwiterimage.png" alt="petesavagetwiterimage" width="525" height="78" /></p>
<p><strong>Other Reasons Why I Like Twitter</strong><br />
Thanks to Twitter, we found an amazing Virtual Assistant who will become a key part of all we do here at TheWealthyFreelancer. com. (Hi Crystal!)</p>
<p>I haven’t used Twitter for lead generation myself, however, I did initiate a Twitter-only conversation with the editor of a high profile publication, and that conversation ended in me being asked to write an article for them.</p>
<p>I&#8217;ve also been answering questions that come my way via Twitter too, and I&#8217;ve seen Ed and Steve doing the same.</p>
<p>So for us, Twitter has become a way to reach out with more and more of the rapidly exploding freelance community, sharing our message that YES, you can be a wealthy freelancer and not a struggling one. And that is very cool.</p>
<p><strong>Which is better? Twitter? Facebook? LinkedIn?</strong><br />
The Wealthy Freelancer has a facebook fan page but, I gotta admit, it&#8217;s totally bare bones at the moment. Something we&#8217;re going to look at more in 2010 but, at the moment, Twitter is the shiny new toy that&#8217;s getting most of our attention here.</p>
<p>Despite the tongue-in-cheek title of this blog post, I&#8217;m not actually advising you to forsake Facebook. In fact, last week our friends over at <a href="http://www.socialmediaexaminer.com/new-study-reveals-facebook-better-than-twitter-for-marketers/" target="_blank">SocialMediaExaminer.com </a>reported on <a href="http://www.socialmediaexaminer.com/new-study-reveals-facebook-better-than-twitter-for-marketers/" target="_blank">a MarketingProfs study that found Facebook is better than Twitter for marketers.</a></p>
<p>What about you? What&#8217;s your favorite social media site? Is it making a noticeable impact on your business? Are you getting more leads, more sales? Or are you enjoying them for some other reason? Share you thoughts with us below.</p>
<p><em>Pete Savage is, obviously, on Twitter. You can follow him there at <a href="http://twitter.com/petesavage" target="_blank">http://twitter.com/petesavage</a></em></p>
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		<title>Hear Ed LIVE Tomorrow on BlogTalkRadio</title>
		<link>http://thewealthyfreelancer.com/2009/11/hear-ed-live-tomorrow-on-blogtalkradio/</link>
		<comments>http://thewealthyfreelancer.com/2009/11/hear-ed-live-tomorrow-on-blogtalkradio/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 11:00:38 +0000</pubDate>
		<dc:creator>Ed Gandia, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=769</guid>
		<description><![CDATA[
			
				
			
		
Hi folks,
Ed here. We&#8217;ve been invited back for a live interview on Sandra Lee Schubert&#8217;s talk show, Wild Woman Network: Conversations with Creative Vagabonds, Thinkers and Innovators. You might have heard Pete&#8217;s interview a few weeks back, now it&#8217;s my turn. Hope you join me there &#8212; here are the details:

Topic: Tips and advice on [...]]]></description>
			<content:encoded><![CDATA[<p></p><div class="tweetmeme_button" style="float: Right; margin-left: 10px">
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<p>Hi folks,</p>
<p>Ed here. We&#8217;ve been invited back for a live interview on Sandra Lee Schubert&#8217;s talk show, <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/11/17/Ed-Gandia-Co-Founder-of-TheWealthyFreelancercom"><em>Wild Woman Network: Conversations with Creative Vagabonds, Thinkers and Innovators.</em></a> You might have heard Pete&#8217;s interview a few weeks back, now it&#8217;s my turn. Hope you join me there &#8212; here are the details:</p>
<ul>
<li><strong>Topic:</strong> Tips and advice on life as a freelancer, with MORE great stuff from our forthcoming book, <em>The Wealthy Freelancer: 12 Secrets for a Great Income and an Enviable Lifestyle</em>.</li>
<li><strong>When:</strong> Tuesday, Nov 17 2009, 2pm EST</li>
<li><strong>Where:</strong> <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/11/17/Ed-Gandia-Co-Founder-of-TheWealthyFreelancercom">Click here to listen live</a> online OR Dial in <strong>(347) 202-0660</strong></li>
</ul>
<p>For more information on the show, <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/11/17/Ed-Gandia-Co-Founder-of-TheWealthyFreelancercom">click here</a>. (At that page, you can even set a reminder so you don&#8217;t miss the interview.)</p>
<p>See you there!</p>
<p>Ed</p>
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		<title>Catch Pete Live on BlogTalkRadio Tomorrow</title>
		<link>http://thewealthyfreelancer.com/2009/10/catch-pete-live-on-blogtalkradio-tomorrow/</link>
		<comments>http://thewealthyfreelancer.com/2009/10/catch-pete-live-on-blogtalkradio-tomorrow/#comments</comments>
		<pubDate>Mon, 26 Oct 2009 19:48:00 +0000</pubDate>
		<dc:creator>Pete Savage, Editor</dc:creator>
				<category><![CDATA[Other Stuff]]></category>
		<category><![CDATA[Freelancer]]></category>
		<category><![CDATA[Pete Savage]]></category>
		<category><![CDATA[The Wealthy Freelancer]]></category>

		<guid isPermaLink="false">http://thewealthyfreelancer.com/?p=635</guid>
		<description><![CDATA[
			
				
			
		
Hey everyone,
Just a quick post to let you know I&#8217;m being interviewed tomorrow on BlogTalkRadio&#8217;s Wild Woman Network: Conversations with Creative Vagabonds, Thinkers and Innovators.

Topic: Tips and advice on life as a freelancer, with a peek at some great stuff from the forthcoming TWF book (yes, book!), The Wealthy Freelancer: 12 Secrets for a Great Income and an Enviable [...]]]></description>
			<content:encoded><![CDATA[<p></p><div class="tweetmeme_button" style="float: Right; margin-left: 10px">
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			</a>
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<p>Hey everyone,</p>
<p>Just a quick post to let you know I&#8217;m being interviewed tomorrow on BlogTalkRadio&#8217;s <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/10/27/Pete-Savage-Co-Founder-of-TheWealthyFreelancercom"><em>Wild Woman Network: Conversations with Creative Vagabonds, Thinkers and Innovators.</em></a></p>
<ul>
<li><strong>Topic:</strong> Tips and advice on life as a freelancer, with a peek at some great stuff from the forthcoming TWF book (yes, book!), <em>The Wealthy Freelancer: 12 Secrets for a Great Income and an Enviable Lifestyle</em>.</li>
<li><strong>When:</strong> Tuesday, Oct 27 2009, 2pm EST</li>
<li><strong>Where:</strong> <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/10/27/Pete-Savage-Co-Founder-of-TheWealthyFreelancercom">Click here to listen live</a> online OR Dial in <strong>(347) 202-0660</strong></li>
</ul>
<p>For more information on the show, <a href="http://www.blogtalkradio.com/SandraLeeSchubert/2009/10/27/Pete-Savage-Co-Founder-of-TheWealthyFreelancercom">click here</a>. (At that page, you can even set a reminder so you don&#8217;t miss the interview.)</p>
<p>Hope to see you there!</p>
<p>Pete</p>
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