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Although freelancers have been around for ages — the English word originally referred to a “free lance,” or a medieval mercenary willing to fight for the highest bidder — working independently is often considered unstable. It certainly can be, but it also forces one to learn how to navigate uncertainty, recover from setbacks quickly and diversify income — all of which are useful in times of economic turmoil.
As mass layoffs start to make headlines and recession chatter grows louder, traditionally employed folks can learn a lot from freelancers to defend their finances amid anxiety about a downturn.
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Lay away. Credit cards. Installment loans. We have been engaging in “buy now, pay later” practices for decades. The latest model actually bears the title. Dubbed the hottest thing in fintech, start-ups such as Affirm Holdings Inc, Klarna, Afterpay Ltd and even household names, including PayPal Holdings Inc, are offering customers the option to spread out the cost of a purchase over smaller, affordable monthly payments.
Millennials and young Gen X shoppers have flocked to buy now, pay later apps, with Gen Z not far behind. Are these simply the next innovation in consumer culture? Or should we be worried?
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