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	<title>Comments on: Accumulated accounting tips for translators and freelancers</title>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-580</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Tue, 26 Jan 2010 15:41:19 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-580</guid>
		<description>Many thanks, Vikki. I&#039;m glad to hear that I&#039;m not the only one who went in with Hiscox. My main client (I know, I should spread the risk by having a few!) was also found by chance, but on a web forum, a year after my post. So keeping your eyes open, putting out your message and being prepared for the right opportunity, all that kind of thing must increase our chances of growing our respective client-bases.

How to get new clients, further responses:

&lt;a href=&quot;http://www.twitter.com/im_translators&quot; rel=&quot;nofollow&quot;&gt; @im_translators&lt;/a&gt;
&quot;I am experimenting with direct mail postcards at the moment, will let you know how it goes.&quot;

&lt;a href=&quot;http://www.twitter.com/NTceline&quot; rel=&quot;nofollow&quot;&gt; @NTceline&lt;/a&gt;
&quot;Having a well-indexed website, without any hesitation.&quot;

&lt;a href=&quot;http://www.twitter.com/petergarner&quot; rel=&quot;nofollow&quot;&gt; @petergarner&lt;/a&gt;
&quot;I&#039;m not sure I&#039;ve ever sought out a new client. They always find me. And it&#039;s always wd of mouth. Don&#039;t even have a website.&quot;

&lt;a href=&quot;http://www.twitter.com/ultramegajoy&quot; rel=&quot;nofollow&quot;&gt; @ultramegajoy&lt;/a&gt;
&quot;When I started freelancing fulltime, I already had several years of translation experience, including a year on staff at an agency. The market was great at the time, so well-prepared cold calling actually worked. I researched all the translation agencies that handled the kind of work I wanted &amp; sent out 20-30 CVs a week by email, with a follow-up phone call a week or two later.

I had a 15-20% response rate, which is much higher than I&#039;d expect now. I also used a spreadsheet to streamline &amp; track the process. In the long run (1-2 years?) I had 8 daily to weekly customers &amp; about 20 others that used my services occasionally.&quot;

&lt;a href=&quot;http://www.twitter.com/KaterinaAt&quot; rel=&quot;nofollow&quot;&gt; @KaterinaAt&lt;/a&gt;KaterinaAt
&quot;Through the years I&#039;ve also established good coop. with new agencies through moving PMs who wanted to continue working with me.&quot;</description>
		<content:encoded><![CDATA[<p>Many thanks, Vikki. I&#8217;m glad to hear that I&#8217;m not the only one who went in with Hiscox. My main client (I know, I should spread the risk by having a few!) was also found by chance, but on a web forum, a year after my post. So keeping your eyes open, putting out your message and being prepared for the right opportunity, all that kind of thing must increase our chances of growing our respective client-bases.</p>
<p>How to get new clients, further responses:</p>
<p><a href="http://www.twitter.com/im_translators" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/im_translators?referer=');"> @im_translators</a><br />
&#8220;I am experimenting with direct mail postcards at the moment, will let you know how it goes.&#8221;</p>
<p><a href="http://www.twitter.com/NTceline" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/NTceline?referer=');"> @NTceline</a><br />
&#8220;Having a well-indexed website, without any hesitation.&#8221;</p>
<p><a href="http://www.twitter.com/petergarner" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/petergarner?referer=');"> @petergarner</a><br />
&#8220;I&#8217;m not sure I&#8217;ve ever sought out a new client. They always find me. And it&#8217;s always wd of mouth. Don&#8217;t even have a website.&#8221;</p>
<p><a href="http://www.twitter.com/ultramegajoy" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/ultramegajoy?referer=');"> @ultramegajoy</a><br />
&#8220;When I started freelancing fulltime, I already had several years of translation experience, including a year on staff at an agency. The market was great at the time, so well-prepared cold calling actually worked. I researched all the translation agencies that handled the kind of work I wanted &#038; sent out 20-30 CVs a week by email, with a follow-up phone call a week or two later.</p>
<p>I had a 15-20% response rate, which is much higher than I&#8217;d expect now. I also used a spreadsheet to streamline &#038; track the process. In the long run (1-2 years?) I had 8 daily to weekly customers &#038; about 20 others that used my services occasionally.&#8221;</p>
<p><a href="http://www.twitter.com/KaterinaAt" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/KaterinaAt?referer=');"> @KaterinaAt</a>KaterinaAt<br />
&#8220;Through the years I&#8217;ve also established good coop. with new agencies through moving PMs who wanted to continue working with me.&#8221;</p>
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		<title>By: Vikki</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-579</link>
		<dc:creator>Vikki</dc:creator>
		<pubDate>Tue, 26 Jan 2010 11:46:18 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-579</guid>
		<description>Great post, looking forward to reading more as it gets updated. I was going to mention Hiscox but was too late - they&#039;re by far the most economical liability insurance I&#039;ve found, and very helpful too. 
My main direct client was found by chance by a friend on a job board for broadcast journalists. So my main tip - not that this is born of much experience - would probably be to keep your eyes open. You never know where a promising direct client might appear from.</description>
		<content:encoded><![CDATA[<p>Great post, looking forward to reading more as it gets updated. I was going to mention Hiscox but was too late &#8211; they&#8217;re by far the most economical liability insurance I&#8217;ve found, and very helpful too.<br />
My main direct client was found by chance by a friend on a job board for broadcast journalists. So my main tip &#8211; not that this is born of much experience &#8211; would probably be to keep your eyes open. You never know where a promising direct client might appear from.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-577</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Tue, 26 Jan 2010 10:36:05 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-577</guid>
		<description>&lt;a href=&quot;http://www.twitter.com/pikorua&quot; rel=&quot;nofollow&quot;&gt;@pikorua&lt;/a&gt;
&quot;I get most of my clients via word-of-mouth/networking and via my ProZ profile/website.&quot;

&lt;a href=&quot;http://www.twitter.com/AngelaMDickson&quot; rel=&quot;nofollow&quot;&gt;@AngelaMDickson &lt;/a&gt;
&quot;None of the active ways I&#039;ve used to seek clients have been as effective as being easy to find and having an in-demand specialism; in other words, they find me.

I have met 2 (in 5 yrs) worthwhile clients after bidding for their jobs on proz. I only bid for interesting-looking jobs tho.&quot;</description>
		<content:encoded><![CDATA[<p><a href="http://www.twitter.com/pikorua" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/pikorua?referer=');">@pikorua</a><br />
&#8220;I get most of my clients via word-of-mouth/networking and via my ProZ profile/website.&#8221;</p>
<p><a href="http://www.twitter.com/AngelaMDickson" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/AngelaMDickson?referer=');">@AngelaMDickson </a><br />
&#8220;None of the active ways I&#8217;ve used to seek clients have been as effective as being easy to find and having an in-demand specialism; in other words, they find me.</p>
<p>I have met 2 (in 5 yrs) worthwhile clients after bidding for their jobs on proz. I only bid for interesting-looking jobs tho.&#8221;</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-576</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Tue, 26 Jan 2010 10:27:01 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-576</guid>
		<description>How to gain new clients? &lt;a href=&quot;http://www.twitter.com/ultramegajoy&quot; rel=&quot;nofollow&quot;&gt;@ultramegajoy&lt;/a&gt;  of the Netherlands has reached a great stage where,

&quot;Most of my new clients come from word-of-mouth referrals or networking, occasionally ProZ direct contact.&quot;

I then asked how Joy obtained the first clients who referred her on. I&#039;ll post any further advice here.</description>
		<content:encoded><![CDATA[<p>How to gain new clients? <a href="http://www.twitter.com/ultramegajoy" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/ultramegajoy?referer=');">@ultramegajoy</a>  of the Netherlands has reached a great stage where,</p>
<p>&#8220;Most of my new clients come from word-of-mouth referrals or networking, occasionally ProZ direct contact.&#8221;</p>
<p>I then asked how Joy obtained the first clients who referred her on. I&#8217;ll post any further advice here.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-575</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Tue, 26 Jan 2010 09:42:28 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-575</guid>
		<description>Publicly available terms and conditions pointed to by &lt;a href=&quot;http://www.twitter.com/tomellett&quot; rel=&quot;nofollow&quot;&gt;@tomellett&lt;/a&gt; at this address: 

http://www.albascan.com/info/Albascan_Terms_Nov_2009.pdf [pdf]

Including clauses on:
- Copyright
- Confidentiality
- Amendments (and their costs)
- Cancellation (and its cost)
- Liability of the translator
- Payment (within 7 days, interest at 2% per month)

Also, interestingly, is the &quot;wire transfer fees and other [payment] charges are payable by the Client.&quot;

Included are two reminders (as logos) of the associations the translator is a member of. All clearly laid out on one A4 PDF.</description>
		<content:encoded><![CDATA[<p>Publicly available terms and conditions pointed to by <a href="http://www.twitter.com/tomellett" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/tomellett?referer=');">@tomellett</a> at this address: </p>
<p><a href="http://www.albascan.com/info/Albascan_Terms_Nov_2009.pdf" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.albascan.com/info/Albascan_Terms_Nov_2009.pdf?referer=');">http://www.albascan.com/info/Albascan_Terms_Nov_2009.pdf</a> [pdf]</p>
<p>Including clauses on:<br />
- Copyright<br />
- Confidentiality<br />
- Amendments (and their costs)<br />
- Cancellation (and its cost)<br />
- Liability of the translator<br />
- Payment (within 7 days, interest at 2% per month)</p>
<p>Also, interestingly, is the &#8220;wire transfer fees and other [payment] charges are payable by the Client.&#8221;</p>
<p>Included are two reminders (as logos) of the associations the translator is a member of. All clearly laid out on one A4 PDF.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-574</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Mon, 25 Jan 2010 17:04:46 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-574</guid>
		<description>Advice from &lt;a href=&quot;http://www.twitter.com/petergarner&quot; rel=&quot;nofollow&quot;&gt;@petergarner&lt;/a&gt; when asked if he used Terms and Conditions with either direct clients or agencies.

&quot;Generally no. But occasionally I am asked to provide a formal estimate 4 big jobs, in which case I include certain pretty basic T&amp;C.&quot;

Once trust has been established, and reputations checked, an informal agreement seems to suffice. This is how I have been working for the past few years also.</description>
		<content:encoded><![CDATA[<p>Advice from <a href="http://www.twitter.com/petergarner" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/petergarner?referer=');">@petergarner</a> when asked if he used Terms and Conditions with either direct clients or agencies.</p>
<p>&#8220;Generally no. But occasionally I am asked to provide a formal estimate 4 big jobs, in which case I include certain pretty basic T&#038;C.&#8221;</p>
<p>Once trust has been established, and reputations checked, an informal agreement seems to suffice. This is how I have been working for the past few years also.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-573</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Mon, 25 Jan 2010 11:39:58 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-573</guid>
		<description>More useful links from &lt;a href=&quot;http://www.twitter.com/Gaby_Ibanez&quot; rel=&quot;nofollow&quot;&gt;@Gaby_Ibanez&lt;/a&gt; regarding Payment Practices.

1 - &lt;a href=&quot;http://tech.groups.yahoo.com/group/WPPF/&quot; rel=&quot;nofollow&quot;&gt;WPPF: World Payment Practices Fees &lt;/a&gt; 
2 - &lt;a href=&quot;http://groups.yahoo.com/group/TranslationPaymentsWhoWhenWhat&quot; rel=&quot;nofollow&quot;&gt;Translation Payments WhoWhenWhat&lt;/a&gt; 
3 - &lt;a href=&quot;http://www.tcrlist.com&quot; rel=&quot;nofollow&quot;&gt;TCR List&lt;/a&gt; managed by Laura Hastings; a paid service.
4 - &lt;a href=&quot;http://www.paymentpractices.net&quot; rel=&quot;nofollow&quot;&gt;Payment Practices&lt;/a&gt; managed by Ted Wozniak; a paid service.
5 - &lt;a href=&quot;http://translationdirectory.com/non-payers.htm&quot; rel=&quot;nofollow&quot;&gt;Blacklisted Translation Outsourcers&lt;/a&gt; a paid service.

More information is available, as pointed out by Gaby, on their respective websites.</description>
		<content:encoded><![CDATA[<p>More useful links from <a href="http://www.twitter.com/Gaby_Ibanez" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/Gaby_Ibanez?referer=');">@Gaby_Ibanez</a> regarding Payment Practices.</p>
<p>1 &#8211; <a href="http://tech.groups.yahoo.com/group/WPPF/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/tech.groups.yahoo.com/group/WPPF/?referer=');">WPPF: World Payment Practices Fees </a><br />
2 &#8211; <a href="http://groups.yahoo.com/group/TranslationPaymentsWhoWhenWhat" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/groups.yahoo.com/group/TranslationPaymentsWhoWhenWhat?referer=');">Translation Payments WhoWhenWhat</a><br />
3 &#8211; <a href="http://www.tcrlist.com" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.tcrlist.com?referer=');">TCR List</a> managed by Laura Hastings; a paid service.<br />
4 &#8211; <a href="http://www.paymentpractices.net" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.paymentpractices.net?referer=');">Payment Practices</a> managed by Ted Wozniak; a paid service.<br />
5 &#8211; <a href="http://translationdirectory.com/non-payers.htm" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/translationdirectory.com/non-payers.htm?referer=');">Blacklisted Translation Outsourcers</a> a paid service.</p>
<p>More information is available, as pointed out by Gaby, on their respective websites.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-571</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Fri, 22 Jan 2010 12:07:44 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-571</guid>
		<description>Another tip on payment practices, this time from &lt;a href=&quot;http://www.twitter.com/pcruzp&quot; rel=&quot;nofollow&quot;&gt;@pcruzp&lt;/a&gt;, an &quot;EN FR SP Freelance Translator&quot;.

&quot;#Proz BB it&#039;s a good start, but I trust more on Yahoo Group Lists for PPs + checking Contact Details + http://whois.domaintools.com/&quot;

Using the whois tool enables you to compare the name of the website registrant to the person/address you are in contact with and progress in any potential research that may need carrying out.

I myself have been stung by an agency set up in Finland through a website, with a professional image but sadly an unprofessional owner who closed operations and never paid at least 3 translators. First time it happened, I surprised myself at my lack of research - take care.</description>
		<content:encoded><![CDATA[<p>Another tip on payment practices, this time from <a href="http://www.twitter.com/pcruzp" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/pcruzp?referer=');">@pcruzp</a>, an &#8220;EN FR SP Freelance Translator&#8221;.</p>
<p>&#8220;#Proz BB it&#8217;s a good start, but I trust more on Yahoo Group Lists for PPs + checking Contact Details + <a href="http://whois.domaintools.com/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/whois.domaintools.com/?referer=');">http://whois.domaintools.com/</a>&#8221;</p>
<p>Using the whois tool enables you to compare the name of the website registrant to the person/address you are in contact with and progress in any potential research that may need carrying out.</p>
<p>I myself have been stung by an agency set up in Finland through a website, with a professional image but sadly an unprofessional owner who closed operations and never paid at least 3 translators. First time it happened, I surprised myself at my lack of research &#8211; take care.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-570</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Fri, 22 Jan 2010 12:04:19 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-570</guid>
		<description>From &lt;a href=&quot;http://www.twitter.com/Gaby_Ibanez&quot; rel=&quot;nofollow&quot;&gt;@Gaby_Ibanez&lt;/a&gt;, who describes herself as a &quot;Translator. Subtitler.&quot; from &quot;Beautiful Argentina&quot;.
  
&quot;Yes, always check out the agency&#039;s payment practices and never stop doing it, no matter how long in this business you&#039;ve been.&quot;

&quot;There are several PP lists: some are free, some you have to pay to get access to them. There&#039;s also the Blue Board on Proz. &gt;&gt;&quot;

&quot;&gt;&gt; And the Hall of Fame &amp; Shame (TranslatorsCafe.com), but to have access to the last 2 you need to have a paid membership.&quot;

Leading on from this, the ATA have released a document called &quot;Ensuring payment&quot;, here&#039;s the &lt;a href=&quot;http://www.ata-divisions.org/GLD/docs/beitr%E4ge/payment.pdf&quot; rel=&quot;nofollow&quot;&gt;direct link [pdf].&lt;/a&gt;

In this document you&#039;ll find links to various company payment practice lists from around the world.</description>
		<content:encoded><![CDATA[<p>From <a href="http://www.twitter.com/Gaby_Ibanez" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/Gaby_Ibanez?referer=');">@Gaby_Ibanez</a>, who describes herself as a &#8220;Translator. Subtitler.&#8221; from &#8220;Beautiful Argentina&#8221;.</p>
<p>&#8220;Yes, always check out the agency&#8217;s payment practices and never stop doing it, no matter how long in this business you&#8217;ve been.&#8221;</p>
<p>&#8220;There are several PP lists: some are free, some you have to pay to get access to them. There&#8217;s also the Blue Board on Proz. &gt;&gt;&#8221;</p>
<p>&#8220;&gt;&gt; And the Hall of Fame &amp; Shame (TranslatorsCafe.com), but to have access to the last 2 you need to have a paid membership.&#8221;</p>
<p>Leading on from this, the ATA have released a document called &#8220;Ensuring payment&#8221;, here&#8217;s the <a href="http://www.ata-divisions.org/GLD/docs/beitr%E4ge/payment.pdf" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.ata-divisions.org/GLD/docs/beitr_E4ge/payment.pdf?referer=');">direct link [pdf].</a></p>
<p>In this document you&#8217;ll find links to various company payment practice lists from around the world.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-569</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Fri, 22 Jan 2010 10:54:25 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-569</guid>
		<description>And here, an example of a reminder email to a late-paying client:

-------------------------
Hi [project manager],

Thank you for checking the invoice payment status. When we spoke over the phone regarding the work you&#039;ll remember that you assured me of a 60 day payment. Changing the payment terms without notification is unacceptable.

As a reminder, on the [date] you further confirmed a 60 day payment:

[quote previous email exchange]

Is there anything you can do to prioritise this payment? Neither of us would want this to get any more complicated than it is, and it would be better if we could keep this matter private, would it not?

Sincerely,

[name]
-------------------------

This email did have the desired effect, causing the payment to be made almost immediately, however the tone is regrettable. Of course the economic downturn has been blamed here, but sympathy for those abusing the situation to delay payments by a further 30 days without notification runs low with this freelancer.

If anyone has a more effective, or perhaps more formal reminder notice, it&#039;d be welcome here - but please censor names and client references.</description>
		<content:encoded><![CDATA[<p>And here, an example of a reminder email to a late-paying client:</p>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<br />
Hi [project manager],</p>
<p>Thank you for checking the invoice payment status. When we spoke over the phone regarding the work you&#8217;ll remember that you assured me of a 60 day payment. Changing the payment terms without notification is unacceptable.</p>
<p>As a reminder, on the [date] you further confirmed a 60 day payment:</p>
<p>[quote previous email exchange]</p>
<p>Is there anything you can do to prioritise this payment? Neither of us would want this to get any more complicated than it is, and it would be better if we could keep this matter private, would it not?</p>
<p>Sincerely,</p>
<p>[name]<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-</p>
<p>This email did have the desired effect, causing the payment to be made almost immediately, however the tone is regrettable. Of course the economic downturn has been blamed here, but sympathy for those abusing the situation to delay payments by a further 30 days without notification runs low with this freelancer.</p>
<p>If anyone has a more effective, or perhaps more formal reminder notice, it&#8217;d be welcome here &#8211; but please censor names and client references.</p>
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		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-568</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Fri, 22 Jan 2010 10:37:24 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-568</guid>
		<description>A small Small Business websites link list:

US Based
&lt;a href=&quot;http://www.inc.com&quot; rel=&quot;nofollow&quot;&gt;Inc.com&lt;/a&gt; - online version of print magazine.
&lt;a href=&quot;http://www.cnnmoney.com&quot; rel=&quot;nofollow&quot;&gt;CNNmoney.com&lt;/a&gt; Fortune &amp; Money magazines with CNN.
&lt;a href=&quot;http://www.sba.gov&quot; rel=&quot;nofollow&quot;&gt;Sba.gov&lt;/a&gt; US Government tools and resources.
&lt;a href=&quot;http://www.ducttapemarketing.com/blog/&quot; rel=&quot;nofollow&quot;&gt;Duct Tape Marketing&lt;/a&gt; for low cost, effective marketing strategies.
&lt;a href=&quot;http://www.businessweek.com/small-business/&quot; rel=&quot;nofollow&quot;&gt;Business Week&lt;/a&gt; The Small Business section
&lt;a href=&quot;http://www.allbusiness.com&quot; rel=&quot;nofollow&quot;&gt;All Business&lt;/a&gt; information and advice from a well regarded, oft-cited source.
&lt;a href=&quot;http://www.startupnation.com&quot; rel=&quot;nofollow&quot;&gt;Startup Nation&lt;/a&gt; &quot;175,000 pages of award-winning advice&quot;

UK Based
&lt;a href=&quot;http://www.startups.co.uk&quot; rel=&quot;nofollow&quot;&gt;Startups.co.uk&lt;/a&gt; is an active community with a broad range of articles.
&lt;a href=&quot;http://www.businesslink.gov.uk&quot; rel=&quot;nofollow&quot;&gt;Business Link&lt;/a&gt; is a UK government run site for tools and resources.
&lt;a href=&quot;http://www.ukbusinessforums.co.uk/&quot; rel=&quot;nofollow&quot;&gt;UK Business Forums&lt;/a&gt; is another active community with lots of real, experience based advice.</description>
		<content:encoded><![CDATA[<p>A small Small Business websites link list:</p>
<p>US Based<br />
<a href="http://www.inc.com" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.inc.com?referer=');">Inc.com</a> &#8211; online version of print magazine.<br />
<a href="http://www.cnnmoney.com" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.cnnmoney.com?referer=');">CNNmoney.com</a> Fortune &amp; Money magazines with CNN.<br />
<a href="http://www.sba.gov" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.sba.gov?referer=');">Sba.gov</a> US Government tools and resources.<br />
<a href="http://www.ducttapemarketing.com/blog/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.ducttapemarketing.com/blog/?referer=');">Duct Tape Marketing</a> for low cost, effective marketing strategies.<br />
<a href="http://www.businessweek.com/small-business/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.businessweek.com/small-business/?referer=');">Business Week</a> The Small Business section<br />
<a href="http://www.allbusiness.com" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.allbusiness.com?referer=');">All Business</a> information and advice from a well regarded, oft-cited source.<br />
<a href="http://www.startupnation.com" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.startupnation.com?referer=');">Startup Nation</a> &#8220;175,000 pages of award-winning advice&#8221;</p>
<p>UK Based<br />
<a href="http://www.startups.co.uk" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.startups.co.uk?referer=');">Startups.co.uk</a> is an active community with a broad range of articles.<br />
<a href="http://www.businesslink.gov.uk" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.businesslink.gov.uk?referer=');">Business Link</a> is a UK government run site for tools and resources.<br />
<a href="http://www.ukbusinessforums.co.uk/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.ukbusinessforums.co.uk/?referer=');">UK Business Forums</a> is another active community with lots of real, experience based advice.</p>
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		<title>By: céline</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-567</link>
		<dc:creator>céline</dc:creator>
		<pubDate>Thu, 21 Jan 2010 15:14:12 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-567</guid>
		<description>I never used to put a payment due date on my invoices until I started using Freeagent, which has it by default on all its invoice templates. It should be obvious, shouldn&#039;t it.</description>
		<content:encoded><![CDATA[<p>I never used to put a payment due date on my invoices until I started using Freeagent, which has it by default on all its invoice templates. It should be obvious, shouldn&#8217;t it.</p>
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	<item>
		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-566</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Thu, 21 Jan 2010 15:02:29 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-566</guid>
		<description>Thanks Céline - I find it hard to know what to do, I hope some collective experience will serve the community as much as myself.

And straight away, how did I miss the &quot;Payment Due Date&quot; all this time?</description>
		<content:encoded><![CDATA[<p>Thanks Céline &#8211; I find it hard to know what to do, I hope some collective experience will serve the community as much as myself.</p>
<p>And straight away, how did I miss the &#8220;Payment Due Date&#8221; all this time?</p>
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		<title>By: céline</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-565</link>
		<dc:creator>céline</dc:creator>
		<pubDate>Thu, 21 Jan 2010 14:53:57 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-565</guid>
		<description>Good idea, Luke.

My first tip would be to have a very clear template for quotes and invoices including the following info:
INVOICE or QUOTE, clear and visible
Date
Your details
Client details
Client reference
Invoice number
Job description
Rate
Amount due
Payment terms
Payment details
Payment due date

This makes it much easier to get paid on time and to chase any overdue invoice.</description>
		<content:encoded><![CDATA[<p>Good idea, Luke.</p>
<p>My first tip would be to have a very clear template for quotes and invoices including the following info:<br />
INVOICE or QUOTE, clear and visible<br />
Date<br />
Your details<br />
Client details<br />
Client reference<br />
Invoice number<br />
Job description<br />
Rate<br />
Amount due<br />
Payment terms<br />
Payment details<br />
Payment due date</p>
<p>This makes it much easier to get paid on time and to chase any overdue invoice.</p>
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	<item>
		<title>By: Luke</title>
		<link>http://lukespear.co.uk/money-tips-for-freelancers-and-translators/comment-page-1/#comment-564</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Thu, 21 Jan 2010 14:34:29 +0000</pubDate>
		<guid isPermaLink="false">http://lukespear.co.uk/?p=92#comment-564</guid>
		<description>I&#039;ll get things started myself:

&lt;a href=&quot;http://www.twitter.com/NTCeline&quot; rel=&quot;nofollow&quot;&gt;Céline&lt;/a&gt; of Naked Translations recommended FreeAgent to me. It&#039;s an online accounting system that allows you to import bank statements for speeding up most accounting work. It also calculates taxes, graphs essential data and separates expenses from income quite simply. A 10% discounted version (normally £15 for freelancers) is available here&lt;a href=&quot;http://www.freeagentcentral.com/?referrer=349gnkhy&quot; rel=&quot;nofollow&quot;&gt; freeagentcentral.com&lt;/a&gt; with my referral code, but I&#039;m still in the free trial and haven&#039;t made up my mind whether or not to stick with it.

I have also seen &lt;a href=&quot;http://www.crunch.co.uk&quot; rel=&quot;nofollow&quot;&gt;Crunch.co.uk&lt;/a&gt; which provides a similar service coupled with an accountancy firm to tie up loose ends and incorporate you if it becomes worth it, which they say happens around the £25k mark.

More tips to come. Add yours and I&#039;ll put them all neatly in the post above as they come in.</description>
		<content:encoded><![CDATA[<p>I&#8217;ll get things started myself:</p>
<p><a href="http://www.twitter.com/NTCeline" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.twitter.com/NTCeline?referer=');">Céline</a> of Naked Translations recommended FreeAgent to me. It&#8217;s an online accounting system that allows you to import bank statements for speeding up most accounting work. It also calculates taxes, graphs essential data and separates expenses from income quite simply. A 10% discounted version (normally £15 for freelancers) is available here<a href="http://www.freeagentcentral.com/?referrer=349gnkhy" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.freeagentcentral.com/?referrer=349gnkhy&referer=');"> freeagentcentral.com</a> with my referral code, but I&#8217;m still in the free trial and haven&#8217;t made up my mind whether or not to stick with it.</p>
<p>I have also seen <a href="http://www.crunch.co.uk" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/www.crunch.co.uk?referer=');">Crunch.co.uk</a> which provides a similar service coupled with an accountancy firm to tie up loose ends and incorporate you if it becomes worth it, which they say happens around the £25k mark.</p>
<p>More tips to come. Add yours and I&#8217;ll put them all neatly in the post above as they come in.</p>
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