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Friday Fun Video: Muppets do “Carol of the Bells”

by Miranda Marquit Leave a Comment

I love the song “Carol of the Bells” — preferably when it’s all instrumental. This rendition from the Muppets really tickled me. I hope you enjoy it in the spirit of the season.

Happy Friday!

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Paying for Health Care When Self-Employed

by Miranda Marquit 4 Comments

When you are self-employed, it is difficult to pay for health care. And, unfortunately, things probably aren’t going to be any easier once Congress is through with health “reform.” Our health care will still be more expensive than any other developed nation’s and we’ll still only have the 37th best health care in the world. One of the main problems is that none of the people who make the rules, pay the money to have the rules made as they like, or make money off of whipping up furor over an “evil socialist” public health care system, have no interest in having affordable health care for We the People.

As a result, you are pretty much stuck on your own. I know. I’ve been paying for group individual health care for years now as someone who is self-employed. And even though I get a tax break, it is still a hit to the wallet. Especially now that my premium is going up by $80 a month because my husband and I turned 30 in the last couple of months. It’s ridiculous that we don’t get any sort of credit or rate reduction due to our healthy habits and preventative care, but that’s life.

So, since my fantasy of having affordable universal health care will probably never come true (either through a Massachusetts-style system or through a single payer system), I am now considering the Health Savings Account. This can be a good move for many self-employed folks, since it allows them to pay lower premiums by getting a high deductible plan. Then you put money in the Health Savings Account, which has tax advantages and grows for your use. You can get the money out anytime you want, and it rolls over year to year — and it grows because it’s an investment.

So, this is a viable option for many who are looking for a way to pay for health care when self-employed. Because things are getting ridiculous.

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Sometimes the House Doesn’t Get Cleaned

by Miranda Marquit 2 Comments

Cover from August 1908 made by John Cecil Clay.
Image via Wikipedia

There is a lot written about how women who work outside the home have a lot of pressure to be “super woman” — keeping house, helping to take care of the kids, and bringing home the bacon. However, not much is said about the plight of the work from home mom. As a WAHM myself, I know it can be a real pain to get everything done. And there’s the added onus from the fact that I am home all day. I’m working for a decent percentage of it, but I’m still here, and many assume that it means I have plenty of time to be the perfect homemaker (if such a person exists).

But the truth is that sometimes the house doesn’t get cleaned. While my son is at school priority #1 is getting work done (well, after I’ve done my morning swim). When my son gets home, my priority is getting him started on homework and piano practice and spending a little quality time with him. When my husband gets home from school, my priority is hanging out with him. And in between I try to start dinner.

This means that sometimes the house doesn’t get cleaned. I try to break it up into days, so I’m not trying to clean everything at once, but sometimes there’s toothpaste in the bathroom sinks, sticky spots on the kitchen floor and dust on the bookshelves. (My husband does the laundry, is in charge of the master bathroom, cooks regularly and occasionally does some vacuuming.) But I generally feel good because I’ve brought in the paycheck, taken care of my boys and done a little something for me. So if the house doesn’t get cleaned, so be it.

It took me some time to get to this point, but the fact of the matter is this: If you try to do everything, all the time, you will be stressed, unhappy, and not very fun to be around for your family. So figure out your priorities and let the less important things slide.

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Should You Refuse That Freelance Project?

by Miranda Marquit 2 Comments

A women work...
Image by Getty Images via Daylife

As a freelancer, you know that it can be difficult to find work. Even looking online for freelancing jobs, the competition can be tough. As a result, it can be tempting to take whatever project you are offered. Unfortunately, this may not be the best path. There are times that maybe you should refuse that freelance project. The Freelance Folder offers these 10 signs that you should refuse a freelance project:

1. You don’t know what the client wants.

2. You may have to do something unethical or illegal.

3. The client has a reputation as a scammer.

4. You don’t have time for another project.

5. The client asks you to work for free. (Watch out for projects “on spec”.)

6. Client wants too much for too little money.

7. You can’t agree on the project terms.

8. Work beyond your expertise.

9. You know that the client’s request won’t work.

10. The client is hostile or rude.

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Looking for Freelance Jobs Online: 4 Place to Start Your Search

by Miranda Marquit Leave a Comment

Jocelyn Taub, a job-h...
Image by Getty Images via Daylife

When you are looking for ways to make money online, one of the things you can do is look for freelance jobs. Whether you are a writer or a graphic designer, you can find a number of freelance jobs online. Here are 5 web sites that can get you started on your freelance job search:

1. MediaBistro.com: This is a great place to get the inside on what is happening in the world of media. You can look for on-site jobs, or apply for freelance jobs. You can register for a basic account for free, and still get access to most of the jobs. If you are willing to pay for an account, you can unlock access to seminars, web workshops and other benefits.

2. Craigslist.org: Look for freelancing jobs from all around the country. Just be careful: Sometimes you might fine advertisements for scams. Carefully screen your jobs before you commit.

3. CareerBuilder.com: Post your resume to be searched, even while you search. While there aren’t a ton of freelance jobs, the number of freelancing and telecommuting opportunities is increasing.

4. Freelance Writing Jobs: If you are a writer, this is an indispensable resource. Read tips for writing for a living, and find hundreds of leads daily, as the site pulls in postings from a number of sites.

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Female Breadwinners and Guilt

by Miranda Marquit 1 Comment

Workshop on law 1257 on violence against women
Image by The Advocacy Project via Flickr

I read about an interesting study today on LimeLife. Apparently, female breadwinners feel guilt about being away from home:

The interviews showed that most successful working women, with men at home taking care of the family, enjoyed the sense of independence and control they have over their own lives, but they often found themselves up against cultural expectations that they should be at home with the kids.

This is different from many work at home moms, I would think. After all, it is possible to earn money from home, while still fulfilling the expectations of child-rearing. I’m not sure how many work from home moms are the primary breadwinners, however. I am, and sometimes I feel a little guilty because I know that my husband feels bad that I am the primary caregiver for our son and earn the money while he finishes graduate school. (He helps out around the house a lot.) My feelings of guilt come from his feelings of guilt.

It’s an interesting interplay, since we are doing what works for us. But sometimes we get caught up in traditional expectations of how things should be, rather than just being grateful that we are in a position to take care of our family in a way that works for us.

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Friday Fun Video: Can a Sony TV Make You Better at Sports?

by Miranda Marquit Leave a Comment

There are some really funny commercials out there. And, as I watched football yesterday with my husband, his brother and his cousin, we saw this great Sony commercial featuring Justin Timberlake and Peyton Manning. I thoroughly enjoyed it. So, sit back, slow down the Black Friday frenzy, put Dubai out of your mind, and consider life’s simple pleasures.

Happy Friday!

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5 Money Making Ideas

by Miranda Marquit 1 Comment

A teacher writing on a blackboard.
Image via Wikipedia

Whether you want to work from home to earn money for life’s little “extras”, or whether you are looking for a solid source of income, you  probably want some money making ideas. The good news is that there are some things that you can do, working mainly out of your home. CNN Money has 5 money making ideas that aren’t terribly hard to get started with:

1. Consulting: You can become a consultant in your field of expertise. With contract workers in higher demand, this could be your chance to do a little consulting.

2. Look for yield: This requires that you show a little investing savvy. Find some investments that are paying a competitive yield right now, or look into dividend investing. You can also use peer to peer lending as a source of yield. But with any investment, you need to be prepared for the possibility of loss.

3. Landlord: If you have empty space, or if you think you can get a good deal on a unit of some kind, you might try landlording. But this can be difficult to get started with, and devastating if you can’t find renters.

4. Teach college: You can be an adjunct at a local college, teaching part-time and still earning a decent wage. Other institutions of high learning look for professionals to help teach online classes. You may need a Master’s degree to qualify, though.

5. Turn your hobby into money: If you enjoy crafts, or writing or any number of hobbies, and there is a market for your products and services, you might find it possible to make some money.

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Working from Home: Don’t Get TOO Comfy

by Miranda Marquit 1 Comment

A two-piece pyjamas set.
Image via Wikipedia

One of the things that many people like about working from home is the fact that it is possible to work in your pajamas. While this is technically true, the reality is that it may not be the best idea. I read a post earlier today on Bargaineering about dressing appropriately for an interview. Well, even if you aren’t interviewing for a more traditional job, it is important to realize that when you work with clients out of your home, your image still matters.

While you may not need to go put on a suit in order to be ready to work from home, it can help to be well-groomed and at least get out of the sweats. This is increasingly true as technology makes it possible to hold meetings using Web cams. You want to be able to project a professional image, whether you are speaking via Web cam, or meeting a local client face-to-face for lunch.

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Preparing Quotes for Potential Clients

by Miranda Marquit 1 Comment

a day in the life 01 - my messy computer desk
Image by Thom Watson via Flickr

When you do freelance work from home, you often need to prepare quotes for potential clients. This can be a tricky business, since you want to get adequately compensated for your time without scaring away a potential client. You want to make sure that you are getting a windfall, rather than under-quoting and ending up with a nightmare. When preparing a quote for a potential client, you should keep these things in mind:

* Client’s budget

* How much you get, on average, for your work

* How long the project will take to complete (include research if necessary)

* Market rate for the services you are fulfilling

In some cases, it might be worth it to compromise. In other cases, you might be better off if you have a “take it or leave it” mentality with a particular client. Knowing where to the draw the line has a lot to do with your personal comfort level, and whether or not you feel like you let a client go elsewhere. When you do prepare the quote, make sure that you spell out what services you will perform for that money. If the client wants more, be prepared to adjust the quote.

What things do you consider when preparing quotes for potential clients?

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