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by Michelle Waitzman
When you’re self-employed, saving for retirement is anything but simple. There’s no employee pension, no group RRSPs, and no steady paycheque to count on. I sat down with Aldwin Chin, a financial advisor with Edward Jones in Toronto, to get his insights on how to save for retirement as a freelancer. This is a very general overview, but you can use the links at the end of the article to find more information.
How much of my income should I be saving?
You need to prioritize your money to figure out how much you can and should save. Most freelancers should allocate their income like this:
- Pay for your current living and business expenses.
- Save three to six months’ living expenses in case of emergency or lack of work.
- Anything that’s left should go into long-term savings and investments for retirement or for other major expenses.
(Rodale Books, 2016)
By Deepi Harish
Most people talk about their dreams, yet few people do anything to achieve them. From start to finish, Hustle is a burst of inspiration to “do something. Do something that moves you. Do something that excites or energizes you. Don’t talk about it. Don’t dream it. Don’t plan it. Don’t plan to plan it,” say authors Neil Patel, Patrick Vlaskovits, and Jonas Koffler. All three authors are entrepreneurs who come from immigrant families and faced plenty of ups and downs as they experimented with their career choices. Now they are considered the top startup consultants in the United States today.
The phrase “Hustle Generation” refers to people who have gone from dreamers to doers, and it is a common thread throughout the book. Examples of self-made millionaires include John Paul DeJoria, the man behind Patrón Tequila, and Ursula Burns, the first African-American woman to become a CEO of a Fortune 500 company. Several other examples are sprinkled throughout the chapters. (more…)
Taxes can be like monsters under your bed: they’re scary because you don’t know what lurks there. This seminar takes the fear away by taking the mystery away. In three entertaining hours, you’ll learn how to reduce your tax bill and keep the Canada Revenue Agency happy at the same time. Learn which expenses are allowed, what it means to incorporate or register for the GST/HST, and how to avoid the pitfalls that get the CRA steamed.
We’ll cover the advantages and responsibilities that come with being a freelancer and running your own business. By the end of this seminar, you’ll feel confident about your taxes, and, with the worry off your mind, you’ll be ready to devote more of your mental energy to what you do best: your work! (more…)
Making contact with a potential client is good, getting a potential client to sign a contract is better. Do you have a method you use in order to ensure that the potential client you make contact with becomes a client you contract with?
Editors Canada wants to hear about the tips and tricks you use to close the deal with a potential client. The submissions we receive will be included in the first in a series of editing-related chapbooks from Editors Canada, this one entitled From First Contact to Signed Contract.
We’re looking for submissions of 500–700 words by March 1, 2017. So, submit your tips to Michael Bedford and encourage your colleagues to submit as well so that you can become an important part of this milestone publication from Editors Canada.
Date: Wednesday, February 1
Time: 2 p.m., EST / 11 a.m., PST
Length: 1 hour
Member price: $37.50
Non-Member price: $50
Have you heard the sage advice to attend networking events to showcase your company, build your list and find new clients to grow your business? But…You often end up standing around on the sidelines finding it hard to start the conversation when you’re faced with a room full of strangers.
If you get nervous and stumble all over your words when trying to meet people, you’re in the right place!
In this 60-minute webinar you’ll learn how to break through the roadblocks with
- two ways to start the conversation FAST, right at the front door before you even get into the room,
- two ways to KEEP the conversation going after “Hello, my name is…”
- three surefire techniques to easily START the conversation if you find yourself in the room alone without a conversation partner,
- how to AVOID the #1 name tag mistake that 80 percent of people make,
- how to put an END to the business card fumble when exchanging cards, and
- the #1 tip people always ask me: how to gracefully LEAVE a conversation (Hint: It’s not what most people will tell you).
The key concepts of this webinar are that you don’t have time to waste, you’ll need a system to follow, and I’ll share my tried-and-true methods and skill-building exercises with you. Being prepared with a plan and practicing beforehand can reduce or even eliminate fear.
Cheryl Scoffield, the follow-up specialist, helps business professionals package their expertise to create follow-up which builds trust and maximizes the sales potential buried in their prospective list without feeling like a pest!
By Valerie Borden
A few years ago, I realized that I was losing interest in my work as a holistic nutritional consultant and decided that I needed to go back to the world of words. This was the main catalyst for my career change in 2011 from the field of natural health to the world of freelance editing.
I was, and still am, an avid reader, the kid who spent her summers with her nose in a book. In high school I excelled in languages, so I decided to become a translator and obtained my bachelor of science in languages from Laurentian University. However, certain events caused me to change direction, and my dream of working with words was put on hold.