Wednesday, December 19, 2018

EMPLOYEE vs INDEPENDENT CONTRACTOR

Image result for employee vs independent contractor
Not one or the other – both



For most of my life have been an employee while at the same time taking advantage of other talents that I have and offering them to those who would hire me.  I made a conscious effort to never work for a unionized company, so I never had to contend with that financial burden.  I have been careful to never operate in the gray area of the federal IRS guidelines defining employees and contractors.  I may be a fairly rare specimen who has had two distinct careers, so here is how I did it.
1.       1. I am a holder of a master’s degree in Theology.  I have been engaged by churches for           varying amounts of times and for specific deliverables.
2.      2.  I am fluent in four languages so I am always available for translating/editing projects.
3.           I offer my education and my life experience to a travel company and organize                       pilgrimages.
4.      3.   For years I maintained a relationship with a multi-level marketing organization.
   4.    Twice in my career I did work for a former employer as a contractor.  This happened when I left my job to follow my spouse to another city far beyond commuting distance.  This was possible because I was talented enough to carry some projects with me and deliver the results according to set deadlines.

For the last twenty years I have not been a full-time employee.  For the last 15 years I have not been a direct employee at all.  I take advantage of my social security benefits, including Medicare and I continue to make my personal talents and abilities available to those who want them.
Being a pure independent contractor can be lucrative for those who have the ability and talents but I personally want to caution the reader to be sure to consult professional people who can inform and teach the aspiring contractor concerning the intricacies of law and practice.  The legal framework around employment is complex.  The ability to “be on your own” is not given to all who would be attracted to it.  One of the reasons why I split my energies is the attraction of funding my social security/Medicare account, the insurance coverage offered by employers (Life, health, workers compensation, steady work schedule, etc.) and the national and international networking opportunities that come from working for a large, successful enterprise.  The split endeavors that I practiced served as training for the day (now) when I would not be an employee but could continue working and earning.

Oh, I almost forgot.  No, not really.  I was keeping it for last. Taxes, remember them?  This is one of the areas that require study and constant attention if the independent contractor wants to take advantage of the tax code of the USA.  This is the point of this post.  

The independent contractor who is not a direct employee at the same time may have income tax advantages but these advantages can be wiped out by other aspects of the tax structures present in every American’s life.  Don’t forget the taxes that are required but are not necessarily refered to as "taxes, i.e. social security, Medicare, IRS, State income tax, higher automobile insurance rates, etc.  It is possible to lessen the tax burden if while being a contractor there is a direct employer carrying the basic, if not full tax burden that every employed adult incurs.

Being independent can be nice.  I enjoin you to educate yourself about the regulatory world into which you will be plunged if you become “independent.”  I pray that you will be successful and I remind you not to cry at my funeral.

DEMAGOGUE ON THE LOOSE

Image result for trump punked by fox news

In August of 2016 I wrote this piece in order to share the vision of the immoral reality that is Donald Trump.  

Sunday, December 16, 2018

QUID EST VERITAS?

Russian proverb:  "It is better to be slapped by the truth than to be kissed by a lie."
The two year old boy on his grand father's lap has already been told that it is not OK to lie.  He hasn't yet had to suffer the consequences that visit people who do lie.  Later on, in not too many years he will come to know what happens to those who lie and get caught in the falsehood that they proclaimed.  He has grown to be the 82 year old author of these simple lies and is telling you now, that Camay bath soap sure tastes BAD.  As I write this, the sensation of the Camay memory is actually bringing goose bumps to the nape of my neck.  It was my mother's favorite punishment against lying and swearing.
That should have been bad enough, but being the stiff necked, proud, I'm "smarter than you are" kid, I can still feel the pain of a well planted right hook from the kid down the street who caught me lying to him once.  I also remember the edict from my father that I had to submit one half of the money that I might receive at Christmas to the offering basket at Church one year when he caught me lying.
Now, here's why I am telling you this.  There is a high placed political operative by the name of Michael Flynn who lied to the FBI, who is now in court over the facts (the true facts) and his defense is, "The FBI didn't warn me not to lie."
What?  Have you ever heard such a heap of stercus taurorum in your life?  Does a successful(?) 60+ year old man have to be warned not to lie?  Can such a person be so naive and daring as to try to defend himself by blaming the FBI for not warning him that lying can bring on much greater punishment?  Sheeesh!
As it turns out, he is not the only one who downplays the value of the truth.  The president of the country and his flacks are all afraid of falling into "perjury traps."  What?  How can you perjure yourself if you tell the truth?  If you don't want to tell the truth because it would incriminate you, plead the 5th to protect yourself.
Frankly, it is shiveringly disgusting to hear such immoral expressions taking root in our society.  Jesus had to put up with the distortion of the truth, so we are not experiencing anything new.  All we are left with is the famous question, "Quid est veritas - what is truth?"
Finally, if you don't agree with me, just Don't Cry at My Funeral