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A freelancer is an independent specialist who provides services to various clients without being tied to one employer on the basis of a permanent employment contract. It is a person who performs tasks on their own account, organizes their work independently and is responsible for the timely execution of orders. The term freelancer refers to people representing many different industries, and freelancing itself is an increasingly popular model of earning money in the modern labor market.

The first impression often affects how we perceive others - both in everyday relationships and in the professional environment. One positive trait is enough to attribute further advantages to someone, even if we do not have grounds for such an assessment. It is the halo effect that can affect the assessment of competences, behaviors and personality, as well as the decisions made during recruitment.

Saving for retirement does not have to be based solely on independent contributions. Employee Pension Schemes (PPE) allow you to accumulate additional funds with the financial support of your employer. So how does PPE work, who can join it and on what terms can you withdraw the accumulated money?