Where Does The Male Military Spouse Go For Information, Resources, Help?

Where Does The Male Military Spouse Go For Information, Resources, Help?

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Image: – – Macho Spouse

 

MachoSpouse.com, an online resource and informational hub for male military spouses. Macho Spouse is a positive, pro-active project designed to help guys deal with current military life issues  through the use of video, online networking and communication.

The videos contain interviews from current and former male military spouses, military family and relationship counselors, military spouse career and entrepreneur experts; as well as a variety of other individuals who have an in-depth knowledge of what it takes to be a happy, successful, strong, supportive person in military family life.

Keywords: malemilitaryspouse military militarylife militaryfamily militaryspousecareers machospouse resources

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image for SAHD Life: Being a Strong-And-Healthy-Dad

SAHD Life: Being a Strong-And-Healthy-Dad

james-family-220.jpgI get these "google alerts" every day, which are basically just articles and posts from around the web related to certain keywords I want to monitor. "SAHD" and "Stay-At-Home-Dad" are keywords I monitor and I have been getting a great deal of posts.

Much of the stuff that I'm seeing regarding SAHD is still in the "novelty" range, or the "Awww, that's cute" range. I also check out websites that give the spouse's perspective - you know, the women who live with these dudes. These sites are way more interesting to me than the talk about the latest television show depicting SAHDs.

Anyway, I haven't seen much about the health of SAHDs. In all of my monitors and in all of the web surfing I've done on the topic of SAHDs, I have not come across any health-related posts. I found that very interesting.

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Contractor vs Employee

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.