A healthcare alternative

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Dr. Freelance, I have a pre-existing health condition, and I am considering taking a part-time position with one of my clients as a way of securing affordable insurance. I haven’t made my final decision, because it feels like I’m “giving up” if I’m no longer freelance-only. What’s your opinion? — 100% 1099

100% 1099, I understand your pride in being full-time freelance. That pride, however, needs to take a back seat to the more practical matters, which are 1) your health and 2) your overall financial well-being. [Read more…]

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Will layoffs cause a freelance tsunami?

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Dr. Freelance, I’ve got quite a few friends in the newspaper business who’ve been laid off in recent months, and many of them are hanging up a shingle as a freelancer. Do you think this is going to lower prices and/or create more competition for freelance gigs? — Freelance Tsunami Watcher

Freelance Tsunami Watcher, I’ve seen the same thing, with tons of friends (in all types of media, not just papers) who’ve lost their jobs in the past year. It’s pretty awful. There are several factors to my answer: [Read more…]

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