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As a full-time freelance journalist for a little over two years now, I’m used to checking the “individual/sole proprietor” box on W-9 forms when signing contracts with new publications. I’ve put off looking into the other options — with alphabet-soup names like C-corp, S-corp and LLC — in part because, like many of you, I fell into freelancing somewhat accidentally, not because I love setting up businesses or pondering the tax pros and cons of various pieces of paperwork.   But as your trusty freelance beat leader who’s not planning to return to the traditional workforce anytime soon, I figured it was…

The August jobs report could be a market-moving event, with the data impacting how investors see the economy and the outlook for Federal Reserve rate cuts. Economists polled by Dow Jones expect a 75,000 job gain. Daniel Morris, chief market strategist of BNP Paribas, doesn’t see a big market reaction unless the number is approximately 15,000 more or less than expected. “If it is a much weaker figure then you would start worrying about recession,” said Morris. “Alternatively, if we get a strong number then the argument would be we don’t need that cut anymore.” Move away from AI and…

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Freelancing is taking off around the world, and with it comes the challenge of getting paid in different currencies. Thankfully, cryptocurrency is here to help. But before you jump into using crypto for cross-border payments, there’s a lot to consider, especially when it comes to regulations. Regulatory Landscape for Crypto Payments The rules for using crypto to pay freelancers depend on where you are. Most places need you to follow Anti-Money Laundering (AML) and Know Your Customer (KYC) rules. This means if you’re a freelancer, you need to verify your identity, and businesses need to make sure they’re not part…

How is QQQ stock faring? The Invesco QQQ ETF has declined by 0.10% over the past five days, but is up about 12% year-to-date.  Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. According to TipRanks’ unique ETF analyst consensus, which is based on a weighted average of analyst ratings on its holdings, QQQ is a Moderate Buy. The Street’s average price target of $644.23 for the QQQ ETF implies an upside potential of 13%.  Currently, QQQ’s five holdings with the highest upside potential…

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TL;DR: 1min.AI, the all-in-one AI platform offering content creation, image generation tools, and more, is now $80 for life through September 7. If you’ve ever needed to write a cold email, draft a quick marketing plan, or whip up a polished pitch deck in minutes—this one’s for you. 1min.AI is a streamlined AI productivity tool designed to crank out business content fast, and right now you can grab lifetime access to the tool’s Advanced Business Plan for only $79.97 (reg. $540). This isn’t your average ChatGPT wrapper. 1min.AI is powered by platforms like Claude, Gemini, and more, and it specializes in business use cases,…

Australian Dollar struggles despite stronger-than-expected Trade Balance data.Australia’s Trade Balance widened to 7,310 million MoM in July, surpassing the expectations of 4,920 million.The US Dollar inches higher ahead of the release of labor data and ISM Services PMI on Thursday.The Australian Dollar (AUD) depreciates despite the release of solid trade balance data on Thursday. However, the AUD/USD pair maintained its position as the US Dollar (USD) struggled, as weaker-than-expected July JOLTS Job Openings prompted investors to consider the implications for Federal Reserve decisions. Traders will likely observe the weekly Initial Jobless Claims, the ADP Employment Change, and the ISM Services…

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A new amendment to the Employment Rights Bill could change how umbrella companies operate – and how freelancers and contractors work with them. The Employment Rights Bill is currently in its report stage, with a third reading on 3 September 2025. This recent amendment would see ‘employment businesses’ (including umbrella companies) be ‘subject to a licensing authority.’ The government previously passed an additional clause to the Employment Rights Bill to make sure additional businesses count as ‘employment businesses’ and be monitored by the Fair Work Agency. This includes umbrella companies. Potential mandatory licensing system However, a further amendment to the…