Is this in the Washington DC area?

I have a suggestion - use your spare time to create a website -
www.igotscrewed.com .

Over there folks like us can anonymously talk about companies we got
mistreated in. I think that would be kinda cool.

SM




----- Original Message -----
From: "Yama Kamyar" <yama@...>
To: <going_independent@yahoogroups.com>
Sent: Wednesday, March 22, 2006 3:29 PM
Subject: RE: [SPAM-MED] Re: [going_independent] I didn't get paid


> That is unblievable... Poor work??? After 1.5 years??? They should
> consider
> the worst in the future for they used poor and poor is what they will get
> in
> the end without you. Trust me in my career as a consultant I have seen
> many
> unexpeirenced manager make poor decisions and I'd bet you anything your
> Hilton managers were nothing but very poor decision makers.
>
> Yama Kamyar
>
>  _____
>
> From: going_independent@yahoogroups.com
> [mailto:going_independent@yahoogroups.com] On Behalf Of Sean Chase
> Sent: Wednesday, March 22, 2006 12:14 PM
> To: going_independent@yahoogroups.com
> Subject: RE: [SPAM-MED] Re: [going_independent] I didn't get paid
>
>
> I'm so sorry you are going through this.
>
> In the future do you have the flexibility to work off of milestone
> payments
> instead of by hourly rate? This works out well for me and seems to weed
> out
> the flakes. What you do is divide the project up into milestones where
> each
> milestone has deliverables. Milestones of course have start dates and
> completion dates associated with them, but the best part is the milestone
> fee. You can ask for that up front. Usually the first milestone payment is
> low, but it gets you paid for doing things like a design spec, database
> schema, and PDF or images of the pages/forms you are going to create.
>
> Just a thought.
>
>  _____
>
> From: going_independent@yahoogroups.com
> [mailto:going_independent@yahoogroups.com] On Behalf Of Paul G. Chu
> Sent: Wednesday, March 22, 2006 12:49 PM
> To: going_independent@yahoogroups.com
> Subject: [SPAM-MED] Re: [going_independent] I didn't get paid
>
>
> Yeah,
>
> The worst part of this is that the Liability Ins is NOT protecting me and
> the emotional cost.
>
> You have to put specific wording in the contract about written
> notification
> about unsatisfactory work and give a time frame to cure it.
>
> Paul
>
>
> On 3/22/06, Michael Maddox <Michael.P.Maddox@...> wrote:
>
> Wow, interesting story, thanks for sharing.
>
> I've come close to not getting paid a couple of times, but in the end
> I've always been paid.
>
> Good luck!
>
> -Michael Maddox
> http://www.capprime.com <http://www.capprime.com/>
>
>
> On 3/21/06, getsmartpaul86 <paulchu7@...
> <mailto:paulchu7@...>
>> wrote:
>> Hi,
>>
>> Things have been quiet here ... It must mean everyone is busy.
>>
>> I thought I would tell my story as it is pertinent to those of us
>> who write code for a living as consultants to major corporations.
>>
>> I worked for Hilton Hotels for 1 1/2 years as an hourly contractor
>> (direct) as a website developer. I also did a small side project for
>> the Financial Rpt dept.
>> At the end, they found another contractor they liked better and
>> decided to keep him and let me go.
>> Trouble is, I was never paid for my last 2 invoices.
>> After 5 months , I send a demand letter and get back a Hilton
>> response that my work was poor and that they hired another outside
>> consultant to fix it. Thus, they said they were not paying ( 25%
>> settlement offer ) my invoices to offset poor work on the side
>> project.
>>
>> There was never any mention of poor work etc etc etc and everything
>> was working when I left.
>>
>> My contract was hourly. The side project was fixed price.
>> My personal integrity does not allow me to let this bully get away
>> with this.
>>
>> So, the case finally went to court now almost 2.5 yrs later.
>>
>> Anyway, my Prof Liability Insurer said originally that the coverage
>> did NOT cover unpaid invoices.
>>
>> But, now that Hilton is trying to use Poor Development Work as the
>> reason, I believe this would now fall in the Errors and Omissions
>> category ( although this too is bogus).
>>
>> So, we had our trial finally ( just 2 hrs ) cut short by Court
>> scheduling.
>> We now have to do our final closing statements via email believe it
>> or not. So, I don't know what the outcome is.
>>
>> I "hope" my insurer will have a change of heart and cover me if
>> somehow I lose this case.
>>
>> Paul
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>
>> Yahoo! Groups Links
>>
>>
>>
>>
>>
>>
>>
>
>
>
> SPONSORED LINKS
> Computer internet
> <http://groups.yahoo.com/gads?t=ms&k=Computer+internet&w1=Computer+internet&
> w2=Independent&w3=Going&c=3&s=51&.sig=ilkjEVrZem4VxSd56iNhSw>  Independent
> <http://groups.yahoo.com/gads?t=ms&k=Independent&w1=Computer+internet&w2=Ind
> ependent&w3=Going&c=3&s=51&.sig=wNISBtEjD7bcIoDiqEzf4w>  Going
> <http://groups.yahoo.com/gads?t=ms&k=Going&w1=Computer+internet&w2=Independe
> nt&w3=Going&c=3&s=51&.sig=F6JKo_vhGupRMH9UzvHibQ>
>
>
>  _____
>
> YAHOO! GROUPS LINKS
>
>
>
> * Visit your group "going_independent
> <http://groups.yahoo.com/group/going_independent> " on the web.
>
>
> * To unsubscribe from this group, send an email to:
>
> <mailto:going_independent-unsubscribe@yahoogroups.com?subject=Unsubscribe>
> going_independent-unsubscribe@yahoogroups.com
>
>
> * Your use of Yahoo! Groups is subject to the Yahoo! Terms of
> <http://docs.yahoo.com/info/terms/> Service.
>
>
>  _____
>
>
>
>  _____
>
> YAHOO! GROUPS LINKS
>
>
>
> * Visit your group "going_independent
> <http://groups.yahoo.com/group/going_independent> " on the web.
>
>
> * To unsubscribe from this group, send an email to:
> going_independent-unsubscribe@yahoogroups.com
> <mailto:going_independent-unsubscribe@yahoogroups.com?subject=Unsubscribe>
>
>
> * Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service
> <http://docs.yahoo.com/info/terms/> .
>
>
>  _____
>
>
>

Wow, interesting story, thanks for sharing.

I've come close to not getting paid a couple of times, but in the end
I've always been paid.

Good luck!

-Michael Maddox
http://www.capprime.com

On 3/21/06, getsmartpaul86 <paulchu7@...> wrote:
> Hi,
>
> Things have been quiet here ... It must mean everyone is busy.
>
> I thought I would tell my story as it is pertinent to those of us
> who write code for a living as consultants to major corporations.
>
> I worked for Hilton Hotels for 1 1/2 years as an hourly contractor
> (direct) as a website developer. I also did a small side project for
> the Financial Rpt dept.
> At the end, they found another contractor they liked better and
> decided to keep him and let me go.
> Trouble is, I was never paid for my last 2 invoices.
> After 5 months , I send a demand letter and get back a Hilton
> response that my work was poor and that they hired another outside
> consultant to fix it. Thus, they said they were not paying ( 25%
> settlement offer ) my invoices to offset poor work on the side
> project.
>
> There was never any mention of poor work etc etc etc and everything
> was working when I left.
>
> My contract was hourly. The side project was fixed price.
> My personal integrity does not allow me to let this bully get away
> with this.
>
> So, the case finally went to court now almost 2.5 yrs later.
>
> Anyway, my Prof Liability Insurer said originally that the coverage
> did NOT cover unpaid invoices.
>
> But, now that Hilton is trying to use Poor Development Work as the
> reason, I believe this would now fall in the Errors and Omissions
> category ( although this too is bogus).
>
> So, we had our trial finally ( just 2 hrs ) cut short by Court
> scheduling.
> We now have to do our final closing statements via email believe it
> or not. So, I don't know what the outcome is.
>
> I "hope" my insurer will have a change of heart and cover me if
> somehow I lose this case.
>
> Paul
>
>
>
>
>
>
>
>
>
>
>
> Yahoo! Groups Links
>
>
>
>
>
>
>

Hi,

Things have been quiet here ... It must mean everyone is busy.

I thought I would tell my story as it is pertinent to those of us
who write code for a living as consultants to major corporations.

I worked for Hilton Hotels for 1 1/2 years as an hourly contractor
(direct) as a website developer. I also did a small side project for
the Financial Rpt dept.
At the end, they found another contractor they liked better and
decided to keep him and let me go.
Trouble is, I was never paid for my last 2 invoices.
After 5 months , I send a demand letter and get back a Hilton
response that my work was poor and that they hired another outside
consultant to fix it. Thus, they said they were not paying ( 25%
settlement offer ) my invoices to offset poor work on the side
project.

There was never any mention of poor work etc etc etc and everything
was working when I left.

My contract was hourly. The side project was fixed price.
My personal integrity does not allow me to let this bully get away
with this.

So, the case finally went to court now almost 2.5 yrs later.

Anyway, my Prof Liability Insurer said originally that the coverage
did NOT cover unpaid invoices.

But, now that Hilton is trying to use Poor Development Work as the
reason, I believe this would now fall in the Errors and Omissions
category ( although this too is bogus).

So, we had our trial finally ( just 2 hrs ) cut short by Court
scheduling.
We now have to do our final closing statements via email believe it
or not. So, I don't know what the outcome is.

I "hope" my insurer will have a change of heart and cover me if
somehow I lose this case.

Paul

what a great deal which insurer was that ?
I got a quote from Hartford which was $720 per year.

Paul

__________________________________________________
Do You Yahoo!?
Tired of spam? Yahoo! Mail has the best spam protection around
http://mail.yahoo.com

what a great deal which insurer was that ?
I got a quote from Hartford which was $720 per year.

Paul

On 8/2/05, Ray Haque <ray_haque@...> wrote:
>
>
>
>
> > One thing I've heard about liability and E&O insurance that made sense
> > to me is that you buy the insurance, and the insurance will pay for
> > your lawyer bills if you get sued. Now, given that I never think I'm
> > going to do anything to get myself sued, but most everyone says you
> > will eventually get sued anyway, the prospect of having insurance pay
> > my lawyer bills actually make the insurance appealing to me. I have
> > only heard that from one source though, so I don't know if it's true,
> > but for me it seems like a strong selling point. Has anyone else
>
> I talked to my old boss who is going to law school about this insurance when
> I went independent.  He says "you can get 1 million bucks worth for next to
> nothing, but do not agree to get the errors and omission, you don't need
> it!".
>
> In my case, he was right.  I am an instructor, not a software developer.  If
> you are coding software for someone, than you may require "E&O", otherwise,
> you do NOT need it.  It will raise the premium.
>
> In my particular case, I can get 1 million in general liability for $175 per
> year.  Not bad.  That would cover any damage that I may do ... or that a
> student would do under my direction.
>
> -Ray
>
> ________________________________
> Start your day with Yahoo! - make it your home page
> ________________________________
> YAHOO! GROUPS LINKS
>
>  Visit your group "going_independent" on the web.
>
>  To unsubscribe from this group, send an email to:
>  going_independent-unsubscribe@yahoogroups.com
>
>  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
>  To unsubscribe from this group, send an email to:
>  going_independent-unsubscribe@yahoogroups.com
>
>  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
>  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
> ________________________________
>
>
>

I purchased 1 million in liability for my S-Corp from techinsurance.com. It
is ~$500 per year. Depending on what kind of work you do it can cost more
than that. For example, if you advertise "e-commerce solutions" expect to
pay more.

HTH,


Sean Chase MCSD.NET
sean@...
http://www.unboxedsolutions.com/sean


> -----Original Message-----
> From: going_independent@yahoogroups.com
> [mailto:going_independent@yahoogroups.com] On Behalf Of Scott Mitchell
> Sent: Tuesday, August 02, 2005 7:59 AM
> To: going_independent@yahoogroups.com
> Subject: Re: [going_independent] Q2 Payroll Taxes
>
> > Scott,
> >
> > Do you have any ideas of the liability insurrance for your s-corp?
>
> I don't have liability insurance nor know the price of said coverage.
> I only work with a couple of clients, and they don't require
> said insurance.  May be a bit of a gamble on my end, so YMMV.
>
>
> --
>
>    Scott Mitchell
>    mitchell@...
>    http://www.4GuysFromRolla.com/ScottMitchell
>
>
> ------------------------ Yahoo! Groups Sponsor
> --------------------~--> <font face=arial size=-1><a
> href="http://us.ard.yahoo.com/SIG=12hl4p0gf/M=362329.6886308.7
> 839368.1510227/D=groups/S=1705007709:TM/Y=YAHOO/EXP=1123001921
> /A=2894321/R=0/SIG=11dvsfulr/*http://youthnoise.com/page.php?p
> age_id=1992
> ">Fair play? Video games influencing politics. Click and talk
> back!</a>.</font>
> --------------------------------------------------------------
> ------~->
>
>
> Yahoo! Groups Links
>
>
>
>
>
>

> Scott,
>
> Do you have any ideas of the liability insurrance for your s-corp?

I don't have liability insurance nor know the price of said coverage.
I only work with a couple of clients, and they don't require said
insurance.  May be a bit of a gamble on my end, so YMMV.


--

    Scott Mitchell
    mitchell@...
    http://www.4GuysFromRolla.com/ScottMitchell

My State Farm agent (who I have home and auto insurance through) was
able to give me a quote on general business liability insurance that
seemed very reasonable.  She can't provide errors and omissions (E&O)
insurance though.

One thing I've heard about liability and E&O insurance that made sense
to me is that you buy the insurance, and the insurance will pay for
your lawyer bills if you get sued.  Now, given that I never think I'm
going to do anything to get myself sued, but most everyone says you
will eventually get sued anyway, the prospect of having insurance pay
my lawyer bills actually make the insurance appealing to me.  I have
only heard that from one source though, so I don't know if it's true,
but for me it seems like a strong selling point.  Has anyone else
heard this or had experience with it?

<rant>I hate buying insurance.</rant>

-Michael Maddox
http://www.capprime.com/

On 8/2/05, Yama Kamyar <yama@...> wrote:
> Scott,
>
> Do you have any ideas of the liability insurrance for your s-corp?
>
> Yama

Rajeev, here is a good article describing some of the differences
between an S-corp and an LLC:
http://www.quicken.com/cms/viewers/article/small_business/42863

I operate as an S-corp, myself.  Paying unemployment tax - both
Federal & state - is a pain, but it's not too big a chunk of change.
With an S-corp I can have an Individual 401(k) plan for retirement,
have the added legal sheltering that a corp. provides, have a cleaner
separation between business and personal accounts, and so on.

This is my first year as an s-corp so I've yet to see the realized tax
benefits, but I believe they will be evident when considering the
amount I can put away pre-tax for retirement.

Taxes suck, paying quarterly sucks (I have to make monthly deposits,
actually), FUTA sucks, state unemployment tax sucks, having to pay for
employee training here in CA sucks... but whatcha gonna do?  Death and
taxes, taxes and death - two things that suck, but that are
unavoidable.


On 8/1/05, rajeev gopalakrishnan <rajeevg.nair@...> wrote:
>
> Thanks Brian,
>
> This was a great discussion. I did consult a CPA and he advised me to get
> going! So, I would have a final discussion with my Home Affairs Department
> (my wife!) and take the plunge!
>
> Thanks a lot...
>
> I will keep in touch and post what's happening with me with G! (going indi).
>
> Cheers!
> Rajeev
>
>
> On 8/1/05, Brian Vargas <brian@...> wrote:
> >
> > -----BEGIN PGP SIGNED MESSAGE-----
> > Hash: RIPEMD160
> >
> > Yamazed,
> >
> > > The problem is that I am kind of unfamiliar with the corp (Fed. Tax
> > > ID) versus self-employed (SSN ID). I haven't spoken to an tax
> > > consultant yet but I am going to do so this month.
> > > What is the difference between an individual performing independent
> > > consultation and an individual owning their own corporation and Doing
> > >  Business As is (DBA) in terms of tax deductions? All of these
> > > questions will for sure resurface when I speak with the Tax adviser I
> > > will consult with.
> >
> > The only difference here is whether or not you establish a corporation
> > for yourself.  In most cases, the tax benefits are not very different.
> > If you are careful in your choice, you might be able to come out ahead
> > for your own situation, but in general it's a wash.
> >
> > When you get down to it, there are two differences between incorporation
> > and self-employment.  The first is limited liability.  If you are
> > contracting as a corporation and you are sued, then they cannot touch
> > your personal assets.  They are protected.  However, the cost of this,
> > and the other difference, is that incorporating usually requires a great
> > deal more paperwork and overheard.  Whether or not that's worth it to
> > you is a choice you have to make.
> >
> > And talking to an advisor is the best idea.  I'm just some bozo with a
> > keyboard - he's ostensibly a professional.
> >
> > > There must be a secret
> > > place where recruiters find these offerings from.
> >
> > The general consensus from the majority of the successful independents
> > on this list is a lot simpler than any grand job-posting-conspiracy:
> > It's all about a network.  Meet people in the field.  Meet them
> > everywhere you go.  Talk to them.  Get to know them.  Trade business
> > cards.  Garner a reputation.  If you're really cut out for it, then the
> > work will come your way.
> >
> > > My idea of going independent, at first glance, was to make more money
> > >  than if I were to go permanent.... I mean what else can be
> > > attractive about going independent and let's cut the "/bs/" like
> > > because of the flexibility or because you got more projects.
> >
> > There's no BS when I say the main reason I'm independent is for the
> > flexibility.  Actually making more money out of it is definitely
> > possible, but it often takes very careful management of every aspect of
> > your financial situation.  Sure, all other things being equal, I
> > probably make slightly more per annum than if I were employed, but most
> > of that gain comes from managing my taxes and insurance and deductables
> > with a comb and a magnifying glass.  To many people, such headache isn't
> > worth an extra thousand dollars a year.
> >
> > If there's an overriding theme to this group, it's that being
> > independent is not a magical potion that will suddenly catapult you to
> > wealth and success.  (The importance of networking seems to be a close
> > second.)  Think about it for a second: If being an independent
> > contractor was really a money tree, then nobody would ever be employed
> > W-2.  The truth is that it requires a lot of extra work and care and
> > planning.
> >
> > Brian
> > -----BEGIN PGP SIGNATURE-----
> > Version: GnuPG v1.4.1 (MingW32)
> > Comment: What is this? http://pgp.ardvaark.net
> >
> >
> iD8DBQFC7iXq3YdPnMKx1eMRAydVAJ0fO4Lrhj44Gl/cXHD/1sGXF0DF4wCg+7V/
> > dCcpJk3KheGKZALNMSADSeg=
> > =TjDz
> > -----END PGP SIGNATURE-----
> >
> >
> >
> > ________________________________
>  YAHOO! GROUPS LINKS
> >
> >
> >  Visit your group "going_independent" on the web.
> >
> >  To unsubscribe from this group, send an email to:
> >   going_independent-unsubscribe@yahoogroups.com
> >
> >  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
> >
> > ________________________________
>
>
>
>
>
>  SPONSORED LINKS
>  Computer internet Independent Going
>
>  ________________________________
>  YAHOO! GROUPS LINKS
>
>
>  Visit your group "going_independent" on the web.
>
>  To unsubscribe from this group, send an email to:
>  going_independent-unsubscribe@yahoogroups.com
>
>  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
>
>  ________________________________
>


--

    Scott Mitchell
    mitchell@...
    http://www.4GuysFromRolla.com/ScottMitchell

-----BEGIN PGP SIGNED MESSAGE-----
Hash: RIPEMD160

Yamazed,

> The problem is that I am kind of unfamiliar with the corp (Fed. Tax
> ID) versus self-employed (SSN ID). I haven't spoken to an tax
> consultant yet but I am going to do so this month.
> What is the difference between an individual performing independent
> consultation and an individual owning their own corporation and Doing
>  Business As is (DBA) in terms of tax deductions? All of these
> questions will for sure resurface when I speak with the Tax adviser I
> will consult with.

The only difference here is whether or not you establish a corporation
for yourself.  In most cases, the tax benefits are not very different.
If you are careful in your choice, you might be able to come out ahead
for your own situation, but in general it's a wash.

When you get down to it, there are two differences between incorporation
and self-employment.  The first is limited liability.  If you are
contracting as a corporation and you are sued, then they cannot touch
your personal assets.  They are protected.  However, the cost of this,
and the other difference, is that incorporating usually requires a great
deal more paperwork and overheard.  Whether or not that's worth it to
you is a choice you have to make.

And talking to an advisor is the best idea.  I'm just some bozo with a
keyboard - he's ostensibly a professional.

> There must be a secret
> place where recruiters find these offerings from.

The general consensus from the majority of the successful independents
on this list is a lot simpler than any grand job-posting-conspiracy:
It's all about a network.  Meet people in the field.  Meet them
everywhere you go.  Talk to them.  Get to know them.  Trade business
cards.  Garner a reputation.  If you're really cut out for it, then the
work will come your way.

> My idea of going independent, at first glance, was to make more money
>  than if I were to go permanent.... I mean what else can be
> attractive about going independent and let's cut the "/bs/" like
> because of the flexibility or because you got more projects.

There's no BS when I say the main reason I'm independent is for the
flexibility.  Actually making more money out of it is definitely
possible, but it often takes very careful management of every aspect of
your financial situation.  Sure, all other things being equal, I
probably make slightly more per annum than if I were employed, but most
of that gain comes from managing my taxes and insurance and deductables
with a comb and a magnifying glass.  To many people, such headache isn't
worth an extra thousand dollars a year.

If there's an overriding theme to this group, it's that being
independent is not a magical potion that will suddenly catapult you to
wealth and success.  (The importance of networking seems to be a close
second.)  Think about it for a second: If being an independent
contractor was really a money tree, then nobody would ever be employed
W-2.  The truth is that it requires a lot of extra work and care and
planning.

Brian
-----BEGIN PGP SIGNATURE-----
Version: GnuPG v1.4.1 (MingW32)
Comment: What is this? http://pgp.ardvaark.net

iD8DBQFC7iXq3YdPnMKx1eMRAydVAJ0fO4Lrhj44Gl/cXHD/1sGXF0DF4wCg+7V/
dCcpJk3KheGKZALNMSADSeg=
=TjDz
-----END PGP SIGNATURE-----

-----BEGIN PGP SIGNED MESSAGE-----
Hash: RIPEMD160

Rajeev,

State laws can vary wildly, so you should check on your own state's
requirements yourself.  Perhaps you will be required to pay unemployment
insurance, and perhaps not.  It is likely that you won't unless you
actually have employees, which may include yourself if you've got a
shell S-corp set up.  Talk to an accountant who is licensed in your state.

At a federal level, however, working 1099 requires you to pay
self-employment tax in addition to the regular income taxes and
entitlement taxes.  Basically, it's an extra 8% on top of what you would
be paying if it were W-2.  The reason is because the W-2 tax system is
designed to obfuscate the actual tax burden on an individual.  You see,
in addition to the taxes taken out of your paycheck, your employer gets
taxed for paying you, resulting in an indirect tax on your earnings.  If
you are working 1099, the employer does not pay those taxes, and the
government makes up the difference by taxing you directly.

On top of all of that, you need to pay estimated taxes on a quarterly
basis in order to avoid a penalty.  The government has bills to pay,
too!  ;-)

The forms for determining the amount of self-employment tax are
relatively straight-forward, but don't hesitate to talk to an accountant
if you're confused.  It's much better to spend the $75 and get it done
right than end up with an audit on your hands.

Finally, when looking at that all-important hourly rate, don't forget to
do all of the math.  It's easy to do the first multiplication of rate
times hours-per-week and get all excited.  However, make sure you
subtract out the additional taxes you must pay, adjust for the lack of
benefits, and consider the added headaches that come with keeping your
own books.  It may turn out that the windfall is not as good as it
appears on first glance.

Brian



rajeev gopalakrishnan wrote:
> Hi Guys,
>
> My name is Rajeev Gopal and my employer has offered me a not so bad rate
> for going 1099 with them. Initially I was very excited to get going on
> my own, but now I am little bit scared. Should I or should I not is a
> question.
>
> Could any one of you would let me know what all taxes (and if possible
> how much percentage of them) should I pay? I have no plans to set up a
> LLC or S-Corp as of now. I am in state of PA.
>
> Thanks,
> Rajeev
>
>
> On 7/29/05, *sean_chase_mcp* <sean@...
> <mailto:sean@...>> wrote:
>
>     <rant>
>
>     Gosh, I sure do love writing a check out the state of AZ every quarter
>     (*rolls eyes*). Better yet, paying unemployment to the DES for myself!
>     Don't you guys wish eveveryone had to write a check to the IRS, State,
>     and DES like we do? Can you imagine the revolt? :-)
>
>     Well, since I went through the trouble of paying unemployment
>     tax...I'm going to "go lay myself off" for the weekend. Haha.
>
>     Sean
>
>     </rant>
>
>
>
>
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Wow, that's harsh!


-----Original Message-----
From: going_independent@yahoogroups.com
[mailto:going_independent@yahoogroups.com] On Behalf Of Mike Gunderloy
Sent: Friday, July 29, 2005 5:34 PM
To: going_independent@yahoogroups.com
Subject: RE: [going_independent] Q2 Payroll Taxes

Well, if you were in WA state, you'd have the pleasure of paying a flat
percentage of your gross income to the state...our lovely Business and
Occupations tax. Doesn't even matter whether the business is making a
profit.

Oh well, at least it's not due until Monday...

Mike Gunderloy
http://www.larkware.com

-----Original Message-----
From: going_independent@yahoogroups.com
[mailto:going_independent@yahoogroups.com] On Behalf Of sean_chase_mcp

<rant>

Gosh, I sure do love writing a check out the state of AZ every quarter
(*rolls eyes*). Better yet, paying unemployment to the DES for myself!
Don't you guys wish eveveryone had to write a check to the IRS, State, and
DES like we do? Can you imagine the revolt? :-)

Well, since I went through the trouble of paying unemployment tax...I'm
going to "go lay myself off" for the weekend. Haha.



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Up front let me say that different people have different circumstances. I
take my advice from my accountant and I'm being vague on purpose, but there
is a "method to the madness" for tax reasons.

Either way, I think it would be good experience for everyone to pay their
own taxes. It's like taking the red pill after being a W-2 employee for so
many years.


-----Original Message-----
From: going_independent@yahoogroups.com
[mailto:going_independent@yahoogroups.com] On Behalf Of Francesco Sanfilippo
Sent: Friday, July 29, 2005 5:31 PM
To: going_independent@yahoogroups.com
Subject: Re: [going_independent] Q2 Payroll Taxes

What benefits do you get from setting yourself up like that?  I'm sorry, I
don't know all the business stuff.  I just work from home as a contractor.


On 7/29/05, Sean Chase <sean@...> wrote:
>
> Why do I have to pay taxes? :-)
>
> I'll assume you are asking about unemployment taxes. I have an S-Corp
> and I pay myself a salary. In order to do that, I have to register
> with the AZ Department of Economic Security and pay unemployment taxes
> for all of my employees - which would be one person: me.
>


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Well, if you were in WA state, you'd have the pleasure of paying a flat
percentage of your gross income to the state...our lovely Business and
Occupations tax. Doesn't even matter whether the business is making a
profit.

Oh well, at least it's not due until Monday...

Mike Gunderloy
http://www.larkware.com

-----Original Message-----
From: going_independent@yahoogroups.com
[mailto:going_independent@yahoogroups.com] On Behalf Of sean_chase_mcp

<rant>

Gosh, I sure do love writing a check out the state of AZ every quarter
(*rolls eyes*). Better yet, paying unemployment to the DES for myself!
Don't you guys wish eveveryone had to write a check to the IRS, State,
and DES like we do? Can you imagine the revolt? :-)

Well, since I went through the trouble of paying unemployment tax...I'm
going to "go lay myself off" for the weekend. Haha.

What benefits do you get from setting yourself up like that?  I'm
sorry, I don't know all the business stuff.  I just work from home as
a contractor.


On 7/29/05, Sean Chase <sean@...> wrote:
>
> Why do I have to pay taxes? :-)
>
> I'll assume you are asking about unemployment taxes. I have an S-Corp and I
> pay myself a salary. In order to do that, I have to register with the AZ
> Department of Economic Security and pay unemployment taxes for all of my
> employees - which would be one person: me.
>

Why do I have to pay taxes? :-)

I'll assume you are asking about unemployment taxes. I have an S-Corp and I
pay myself a salary. In order to do that, I have to register with the AZ
Department of Economic Security and pay unemployment taxes for all of my
employees - which would be one person: me.


-----Original Message-----
From: going_independent@yahoogroups.com
[mailto:going_independent@yahoogroups.com] On Behalf Of Francesco Sanfilippo
Sent: Friday, July 29, 2005 5:23 PM
To: going_independent@yahoogroups.com
Subject: Re: [going_independent] Q2 Payroll Taxes

Why do you have to do all that?


On 7/29/05, sean_chase_mcp <sean@...> wrote:
> <rant>
>
> Gosh, I sure do love writing a check out the state of AZ every quarter
> (*rolls eyes*). Better yet, paying unemployment to the DES for myself!
> Don't you guys wish eveveryone had to write a check to the IRS, State,
> and DES like we do? Can you imagine the revolt? :-)
>
> Well, since I went through the trouble of paying unemployment
> tax...I'm going to "go lay myself off" for the weekend. Haha.
>
> Sean
>
> </rant>
>


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Why do you have to do all that?


On 7/29/05, sean_chase_mcp <sean@...> wrote:
> <rant>
>
> Gosh, I sure do love writing a check out the state of AZ every quarter
> (*rolls eyes*). Better yet, paying unemployment to the DES for myself!
> Don't you guys wish eveveryone had to write a check to the IRS, State,
> and DES like we do? Can you imagine the revolt? :-)
>
> Well, since I went through the trouble of paying unemployment
> tax...I'm going to "go lay myself off" for the weekend. Haha.
>
> Sean
>
> </rant>
>

<rant>

Gosh, I sure do love writing a check out the state of AZ every quarter
(*rolls eyes*). Better yet, paying unemployment to the DES for myself!
Don't you guys wish eveveryone had to write a check to the IRS, State,
and DES like we do? Can you imagine the revolt? :-)

Well, since I went through the trouble of paying unemployment
tax...I'm going to "go lay myself off" for the weekend. Haha.

Sean

</rant>

As far as I know the only requirement is a HDHP plan, alot of times
employers will help contribute to the plan if you are on a HDHP plan.
From what I know you are correct, but of course don't take my word for
it. :)

-James

On 7/18/05, Scott Mitchell <scott.k.mitchell@...> wrote:
> > I think if I was paying for my own insurance i would definitly look into
this.
>
> James, is it available only to those paying their own insurance?  My
> wife's company will pay 95% of the premiums for a HDHP, but
> significantly less than that for more 'comprehensive' plans.  From my
> understanding, we could enjoy her HDPD and then fund an HSA based on
> the deductible ($5k/year for the two of us).
>
> Granted, I still need to do a bit more research, but is this
> impression of mine incorrect?
>
> Thanks
>
>
>
> > -James
> >
> > On 7/17/05, Scott Cate <scottcate@...> wrote:
> > > This is a great pre-tax plan, the only down side is when December
> > > comes and you haven't used all your funds. HSA is a use it or lose it
> > > plan.
> > >
> > > The down side is improper planning. Not enough in your HSA and you'll
> > > be bummed. Too much and you'll lose it.
> > >
> > > I found my self buying a new pair of prescription glasses, just to use
> > > my funds, instead of losing them.
> > >
> > > -=- Scott
> > >
> > >
> > > On 7/17/05, Scott Mitchell <scott.k.mitchell@...> wrote:
> > > > Does anyone here use Health Savings Plans (HSAs)?  I am considering
> > > > setting one up as right now my wife and I have what qualifies under
> > > > the guidelines as a high-deductible health plan (HDHP) through her
> > > > company.
> > > >
> > > > I'm thinking it makes sense to setup an HSA - any
> > > > comments/suggestions/ideas from others out there who may have
> > > > considered this/done this?
> > > >
> > > > TIA
> > > >
> > > > --
> > > >
> > > >    Scott Mitchell
> > > >    mitchell@...
> > > >    http://www.4GuysFromRolla.com/ScottMitchell
> > > >
> > > >
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> > > >  Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
> > > > ________________________________
> > > >
> > >
> > >
> > > --
> > > --
> > > -- Scott Cate
> > > -- ASPInsiders.com Member
> > > -- ASP.NET MVP ( http://scottcate.url123.com/MVP2005 )
> > > -- Arizona .NET User Group Leader ( www.AZGroups.com )
> > > -- INETA.ORG User Group Liaison, AZ:NV:NM
> > >
> > >
> > >
> > > Yahoo! Groups Links
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> > >
> > >
> > >
> > >
> > >
> > >
> >
> >
> >
> > Yahoo! Groups Links
> >
> >
> >
> >
> >
> >
> >
>
>
> --
>
>    Scott Mitchell
>    mitchell@...
>    http://www.4GuysFromRolla.com/ScottMitchell
>
>
>
> Yahoo! Groups Links
>
>
>
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>
>