Tech E&O Insurance: What Software Developers and IT Consultants Are Actually Covered For
Tech E&O insurance pays your legal defense and damages when buggy code, bad advice, or missed deadlines cost a client money — solo policies run $60–$110/month.
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Freelance
Financial management and tax guidance for freelancers
Hungary's Scrapped KATA Flat Tax Is Coming Back: What an Abuse-Proof Revival Means for Freelancers Who Invoice Businesses
Hungary's KATA flat tax is set to return for freelancers who invoice businesses. Expect per-client concentration caps, so track revenue per payer now.
Montenegro's 2026 VAT Overhaul: How to Reclaim the Tax on Invoices You Never Got Paid
Montenegro's 2026 VAT amendments let you reclaim output VAT on uncollectible invoices — but only with a court decision, and only if you sued first.
Pricing Wedding Calligraphy Without Losing Money: What to Charge Per Envelope, Per Hour, and Per Rush Job
Most wedding calligraphers charge $2.50–$6 per envelope, but the rate that pays is your own — hourly math, spoilage, rush tiers, and 15.3% self-employment tax.
Iceland's 2026 Deemed-Salary Rules: The Minimum Paycheck Every Freelancer Must Report
Iceland requires every self-employed person to impute a minimum salary — 795,000 kr a month for a solo media freelancer, 1,199,000 kr for a solo specialist in 2026, up about 7.7% — plus 6.35% social security tax and 15.5% pension contributions on top.
Morocco's Auto-Entrepreneur Caps in 2026: 200,000 DH, Not 500,000
Morocco's auto-entrepreneur caps are 200,000 DH for services and 500,000 DH for commerce; the 500,000/2,000,000 figures online belong to the CPU regime. Counting rules, the 80,000 DH per-client withholding, and what two over-cap years trigger.
Solo Patent Agent Practice Bookkeeping: Trust Accounts, Flat-Fee Billing, and Pricing Below Attorney Rates
Solo patent agents bill 30–50% below large-firm attorneys, but the discount only works with disciplined books — unearned fees held in a client trust account under 37 CFR 11.115, milestone-based flat-fee recognition, and per-matter profitability tracking across multi-year prosecutions.
Digital Nomad Tax Residency in 2026: Why the 183-Day Rule Won't Save You
Staying under 183 days in a country does not make you a non-resident anywhere. U.S. nomads still owe worldwide income tax, the 2026 Foreign Earned Income Exclusion caps at $132,900 and never covers the 15.3% self-employment tax, the tax-home test disqualifies perpetual travelers, and FBAR triggers at $10,000 aggregated across all foreign accounts.
Getting Paid for Bug Bounties: How Your HackerOne and Bugcrowd Payouts Are Taxed
Bug bounty payouts from HackerOne and Bugcrowd are ordinary income from the first dollar, and for 2026 platforms only issue 1099s at $2,000 per researcher — but the income is taxable with or without a form. Covers W-9 setup, the hobby-versus-business test that decides whether tooling is deductible, self-employment tax, and quarterly estimates.
Charging Late Fees on Overdue Invoices: How to Get Paid Faster Without Losing Clients
Late fees are enforceable only when the client agreed to them in writing before the invoice went overdue. This guide covers the 1%–1.5% per month market standard, state usury limits, grace periods, and how to book fee income to a separate account for clean revenue and tax reporting.
El Salvador Now Asks Just 90 Days a Year: A Freelancer's Guide to the New Residency Math
Since March 31, 2026, El Salvador's Decreto 531 requires temporary residents to spend only 90 calendar days a year in the country instead of roughly nine months. Here is how the three main residency routes compare, what territorial tax and the U.S. foreign earned income exclusion actually cover, and the ledger habits that keep presence days, income sourcing, and renewal files audit-ready.
Sweden's SEK 120,000 VAT Threshold: How to Legally Stay Outside the Moms System
Sweden exempts businesses with annual taxable turnover at or below SEK 120,000 from VAT registration, but since January 2025 the exemption also requires EU-wide turnover under €100,000. This guide explains the two-part test, why non-EU companies get no threshold, the SEK 90,000 intra-Community acquisitions rule, when voluntary registration pays off, and how to keep turnover evidence audit-ready.