Contractor vs Employee

Contractor vs Employee

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Image: – – Macho Spouse

 

employee-contractor-300x270.jpgSo, 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.


See also...

image for How To Nitre Blue Gunmetal Without Nitre Salts

How To Nitre Blue Gunmetal Without Nitre Salts

NBlue.jpgIf you are a gun enthusiast who enjoys light gunsmithing projects, you will be interested to know that you can nitre blue gun metal without using salts. To use nitre salts, you have to heat the solution, slowly dip the parts in and hope that they come out looking even. It is definitely a process that requires multiple practice runs before attempting to nitre any actual gun parts. However, there is a much simpler solution if you want to nitre blue your gun metal. Simply do it with heat and without tedious salts.

How Can I Nitre Blue Gun Metal Without Nitre Salts?

The process is easier and quicker than using salts. If you heat the metal evenly for a long enough time period, it oxidizes and changes colors. Do not expect a vibrant royal blue. This process will bring a nice subtle but darker blue color, which creates an attractive and sleek look on a gun. As you heat the metal, you will see the color change. Use a screw to practice first so you can see how easy this is.


What You Will Need

  • Metal screw
  • Propane torch
  • Vice grips
  • Striker
  • Personal protective gear

Steps To Nitre Blue Gun Metal Without Nitre Salts

If you are new to gunsmithing or using a propane torch, it is a good idea to wear protective gear. Wear gloves and goggles. When working with a torch, make sure you do not have baggy clothing or sleeves.

1. Grip The Screw

Place the threaded part of the screw in the vice grips. Tighten it enough that the screw is held in snugly but the threads will not be damaged. When using handheld vice grips, make sure the handles are in good condition to avoid burns.

2. Heat The Screw

Use the striker to ignite the propane torch. Hold it so the tip of the torch's flame touches the screw's head. Move the torch around in circles on the screw's head slowly.

3. Watch For Color Changes

As the screw's temperature changes with prolonged flame exposure, it will start to change color. It will start with a light but dull color change. Heat it evenly around the head for a continuous color. When the head of the screw turns purple, be sure to watch it closely. The next color change will be blue.

That is all it takes to nitre blue gun metal. Perhaps you have an old pistol that looks rough and needs a makeover, or you just like blue gun metal. This is a great project for any gunsmithing enthusiast. Check out SDI's YouTube Channel for additional gunsmithing tips. They also have some gunsmithing programs that qualify for the military spouse MyCAA scholarship program. For more information about gunsmithing as a career for male military spouses, visit SDI's School of Firearms Technology.

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Parents with Disabilities

PattMSShirt_New.jpgI recently came across an article that really made me stop and think "Could this really happen?" then it became "Oh Wait... They are talking about a Family like mine." 

 

The Article I am talking about is a post from MrDad.com answering a a Veterns question "My husband and I both have disabilities. He is blind and I suffer from a traumatic brain injury I received serving in Iraq. I'm pregnant and we're due in about a month. We were both so excited, but a friend told us that there's a chance we could lose custody of the baby because we both have disabilities. Now, instead of looking forward to becoming parents, we're both in a panic. Is that true? If so, what can we do?"



 

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