Finance

Freelancers, Can You Survive 6 Months Without Income? The 6·3·1 Emergency Fund Rule

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Why Freelancers Need Emergency Savings More Than Anyone Unlike salaried workers, freelancers don’t have guaranteed paychecks. Their income is often project-based, inconsistent, and vulnerable to sudden changes. A canceled contract, a late-paying client, or an economic downturn can instantly wipe out expected income. According to a 2023 report from the U.S. Bureau of Labor Statistics, … Read more

Mastering Buffett’s Value Investing Strategy: 10 Key Metrics for Beginners

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Value investing, epitomized by Warren Buffett, entails acquiring shares in high-quality companies trading below their intrinsic value and holding them over the long haul. For newcomers, establishing a systematic framework of financial and qualitative metrics streamlines stock selection and reduces emotional bias. This guide outlines ten essential indicators—covering valuation, profitability, financial strength, cash generation, and … Read more