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Are used to be an Independent contractor for many years. Thanks to Obamacare I can no longer do that and must be an employee of a company. The reason is that my premiums went from $12,000 a year to $30,000 a year for my family. To add further insult to injury, Obama care insurance ( the individual market) Is really just a discount card in that it has a $7000 deductible AND the benefit is so poor that it no longer qualifies for HSA. Anybody who thinks keeping Obamacare is a good idea is either getting it for free—welfare or is an ideologue who has no experience with it. Good luck to you being an independent contractor, I did it for many years and it was a good deal, until my health insurance premiums went through the roof and the benefits became a discount card — thanks to Obama care. Being an independent now is only viable if you have a spouse that works or aren’t on your parents insurance.
I would talk with a CPA about this. I did 1099 and although it's not hard sending in your estimated taxes every quarter, it's a bit tricky. You need to make sure that you're sending in the right amount or you will face a penalty. If things change from the previous year then you will need to make some adjustments.
I got screwed pretty bad because my wife made more bonuses so we ended up being a little short. Not terrible but instead of a potential refund we owed a small amount.
Also consider the cost of health insurance. That's a real killer, and now that I have a FT job with benefits I'm saving over $9K USD a year on that alone.
"Computer games don't affect kids; I mean if Pac-Man affected us as kids, we'd all be running around in darkened rooms, munching magic pills and listening to repetitive electronic music."
Well, among the dumb and smart things, as they go hand in hand:
Dumb: Didn't put away 30% for taxes.
Smart: Took my base hourly pay rate and added 50% to factor in taxes, insurance, etc.
Dumb: Thinking I could make it as a contractor with piddly gigs
Smart: Getting long term lucrative contracts from large tech companies that, even though you're a contractor, pay you on a W2 so you're not paying self-employment taxes.
Dumb: File your own taxes
Smart: Pay a tax accountant. Can save more money than he/she costs. And they know the changes in the laws.
Otherwise, the rest is project specific. Some of the other dumb things I've done involved taking on a gig that I knew I'd hate (some bizarre Ruby on Rails app a guy was developing in the corner of the 10th floor in the Time Warner building that was completely vacant otherwise, yes, the whole damn floor and that required traveling to Virginia twice a month.) I realized there are some things I will not do no matter how much you pay me.
I saw a few memes with this song lately (it's what this song became famous for).
For some reason I remember listening to this back when I was a kid, but I must've confused it with a different song because it was released in 2009
Anyway, it DOES have a nice 90's vibe.
Listening to it once or twice per day and so it's SOTW
It's always fascinated me the various ways you can solve a cryptic clue - in this case what led me to the "herd" part was broadcast ( so I heard something ) and globe had here in it - so I now have here,hear,heard and herd ! mixed with the Welsh factor and a bit of Blue Peter ! I definitely overdid the drugs in the 70s and 80s
We can’t stop here, this is bat country - Hunter S Thompson RIP