Media: Dr. Nicholas Lind shares how and when to seek help and offers insight into living with someone who struggles with PTSD symptoms –
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Post-Traumatic Stress Disorder - Treatment
Image: – Dr. Nicholas Lind shares how and when to seek help and offers insight into living with someone who struggles with PTSD symptoms – Macho Spouse
PTSD, is there a cure? Post Traumatic Stress Disorder is a serious battle injury we wanted to know more about, so we found Dr. Nicholas Lind, Co-Owner of Post Trauma Resources (Columbia, SC). In this multi-part series, Dr. Lind defines PTSD, explains the symptoms, shares how and when to seek help, and offers insight into living with someone who struggles with PTS symptoms. In the 4th segment, "Treatment," Dr. Lind shares his philosophy behind what makes PTSD treatments effective and what programs Post Trauma Resources uses to help those suffering from PTSD control their symptoms. Dr. Lind also offers a long-term prognosis to those families affected by this injury.
I am Roland Burton.....ok, so I'm not "actually" Roland Burton, but if you watch the show "Army Wives", then you are familiar with the lone male military spouse. I've been married to a Soldier since 2006 and that is exactly how I've felt throughout the years. I've only met one other male military spouse during this time, but I have connected with a few wonderful female military spouses over the years that have accepted me with open arms and made the transition from duty station to duty station much easier. We have two beautiful girls and we love the military life. My name is Dee and I am a "Real Life Roland".
So, you have a job offer and the employer offers you employment as either an independent contractor or an employee. You figure that since your wife is in the military, you don't need the insurance and your paycheck will be bigger without all that withholding taken out.
Life as a 1099'er
Ready to take that 1099? Not so fast. You might be in for a big shock at the end of the year. Here is a list of some of the hits you'll take.
• All the income taxes for each taxing entity will be due every quarter after your first year in business. A total of 90 percent must be paid by April 15 of the following year or there will be a penalty.
• You will have to pay the entire Social Security tax. That amounts to 15.3 percent on your first $113,700 and 2.9 percent over that amount. Employees get half that amount paid by their employer automatically. However, as a self-employed individual, you may deduct the half that an employer would have contributed.
• Independent contractors are not covered by non-discrimination laws, wage and hour protection, unemployment insurance, or pension and benefit protections that “real” employees receive.
• If you drive or run other equipment for the business that pays you, you won't be covered by the employer's insurance policy. Guess who that leaves?
What Makes an Employee
The basic issue in deciding whether a person is an employee or an independent contractor is the business's control over the work of the person. This sounds like a simple matter, but courts constantly are deluged with arguments about this issue.
If you're told when to come to work; if you don't provide your own equipment or supplies; and if you are paid in set increments such as hours or piecework, you are an employee, period. If they train you, you are an employee. The courts have made clear that just because the employer doesn't decide to use control, doesn't mean you are then an independent contractor. The crux of the matter is whether they have the right to do so. Read the IRS publication about the issue of contractors vs employees.
Making the Right Decision
Before you make any decisions, take some time to investigate and consider which category works best for you and your family. If you are leaning toward becoming an independent contractor, make sure you're prepared to save enough to cover your tax expenses and any additional costs like liability insurance.
Consider incorporating as a LLC to protect yourself and give you additional tax protection. It's a good idea to get the help of a paralegal, lawyer and tax specialist.
If you are considering becoming self-employed, be certain to read the IRS Bulletin Understanding Employment Taxes. This is a simple document that explains what the requirements are in everyday language.
This post was sponsored by the School of Firearms Technology from the Sonoran Desert Institute.