Improperly classifying employees as independent contractors can create serious long-term liabilities for a business. If an individual that the business treated as an independent contractor is later determined to have been an employee by the IRS or the state of Florida, the employer can be held responsible for the payroll taxes that should have been withheld from the individual along with the employer taxes that would have been due, and the penalties for failure to pay these taxes.

Many new businesses look to reduce their costs by using independent contractors rather than employees to perform vital services.

By using independent contractors they save on payroll taxes, workers compensation insurance, and employee benefits. Properly used independent contractors can save a business money, but be careful, just because you call someone an independent contractor does not mean they are one.

In general, an independent contractor is an individual who is in business for him or herself and maintains independence from the business he or she is performing the service for, whereas an employee works for and performs services under the control of the business receiving the service.

The IRS and the state of Florida base worker classification on “common-law” factors designed to gauge the amount of control the business has the right to exercise over the worker. Two frequently cited factors of an employee-employer relationship are that the business is maintaining the right to discharge the worker at will and / or the business is providing the worker tools and a place to work.

By comparison, individuals who are truly independent contractors generally provide their own tools and work place, they have business licenses, and are engaged to complete specific projects and cannot be terminated without cause from a specific project. There are no hard-and-fast rules as to who is an employee and who is an independent contractor. All possible factors pertaining to the business’s control and the worker’s autonomy must be taken into account.

As you can see, there is no easy answer as to when an individual qualifies as an independent contractor. There is however no penalty or liability for misclassifying independent contractors as employees. As a general rule when in doubt the safest classification may be to choose employee.

You can save money by avoiding hiring a general contractor but then, when working with an independent contractor, you can end up with low quality work or someone who has abandoned the job halfway through. If the independent contractor hasn’t lived up to what they said they would do, you can end up spending more on a job than hiring a general contractor.

How Can You Find Quality Sub-Contractors? – There are starting to be resources online that can help you find reputable contractors. Google maps sometimes has reviews about businesses there. Those are difficult to depend on though, but they can be easily fabricated. Ask around with friends or try calling other businesses to see what independent contractors they have used in the past.

Learn About The Project Yourself – The more you know about what a project entails the better able you will be to analyze the bids you receive.

Learn about the project online and see what the job will require. Price out some of the materials at your local hardware store. That way when the contractor is giving you a bid you will have an idea of how realistic his bid is and how long it will take.

Get Multiple Bids – Make sure you have at least 5 different independent contractors bid on your project. The more quotes you have the more likely you are to pick someone who is reputable, honest and inexpensive.

Ask For References – Make sure you contact references from the contractor of people they have worked with before.

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This is so, because these are being made fully capable in providing us all the comforts and luxuries of living. These floors are being offered with all the basic amenities of living such as round the clock water supply, power back up and tight security all around. The interiors are being given an attractive look. Luxurious amenities of living such as swimming pool, spa, etc. are also being offered with these floors. As the whole floor will belong to you, you can enjoy more privacy of living over there. The independent floors are available at almost all parts of India, such as Delhi, Gurgaon, Noida, Mumbai, etc. The independent floors are being offered at really affordable prices that start from Rs. 40 to 50 lacs onwards, which is very affordable as compared to the villas and bungalows.
The introduction of independent floors of Ireo Victory Valley Gurgaon is being regarded as a great invention by the real estate inventors. Many happy families are leading a luxurious and independent living in their own dream home. This has become possible only with the introduction of these great independent floors.

1.Give children increasing responsibility.

Teach children that they are important contributors to the family, and give them age appropriate chores. When they are five years old, they may help to fold the laundry, when they are ten they may help with yard work, when they are fifteen, they may help prepare family meals. As children approach their later teen years, they should know how to do most household chores (cooking, cleaning, laundry, and yard work); so that when they leave home they are ready to function independently.

2.Encourage kids to try things themselves first.

At times parents over function for kids, and kids become trained to ask for help rather than try things themselves. Whenever a child asks for help, if it is a task that you believe he can do on his own, ask him to try to do it himself first. If he tries, and doesnt know how to complete a task, offer him help, but teach him how to do the task rather than doing it for him.

3.Teach kids to solve their own disputes.

Young children will often ask parents to solve disputes between siblings or friends. When children are very young, this is an appropriate role for parents. However, once children develop problem solving ability, encourage them to work out issues among themselves, and to approach you only if someone is in danger or the problem is intractable. If you do step in to help a child work out a dispute with a sibling or friend, act as an arbitrary in a negotiation so that you are modeling how to problem solve with others. If there is any bullying or abuse involved in the dispute, assume an authoritative role and discipline the offending child as needed.

4.Teach kids how to manage money.

Teach kids how to handle money, including earning money, saving money, prioritizing spending, and giving to others. When they are very young, you can begin be teaching them to save a portion of their money, spend a portion and perhaps donate a portion of by helping with special tasks. By the time kids are teenagers, they should be able to understand how to make a simple budget. Having kids earn their own spending money during the high school years with a part time job, is a great way to introduce them to the real world of providing for oneself.

5.Teach kids to set goals.

When your child discovers an interest or a passion in life, teach him how to set broad goals and smaller goals as a means to achieving the larger goal. Talk with your child about setbacks, and the importance of persistence in any endeavor. Some children will give up on goals prematurely due to anxiety about failure. Teach the anxious child that failure is an inevitable part of the journey. Children who can identify what they want, set goals, and persist despite setbacks are well on the way to independence.

One of the most important tasks of parenting is to help children become independent, so that as adults, they can take care of themselves and pursue their dreams. Teaching independence is a long process, beginning in toddlerhood and (hopefully) ending sometime in early adulthood. These skills will help children adapt to new circumstances over the course of a lifetime. Below are some tips to help kids develop independence as they mature.

Give children increasing responsibility.
Teach children that they are important contributors to the family, and give them age appropriate chores. When they are five years old, they may help to fold the laundry, when they are ten they may help with yard work, when they are fifteen, they may help prepare family meals.

As children approach their later teen years, they should know how to do most household chores (cooking, cleaning, laundry, and yard work); so that when they leave home they are ready to function independently.

Encourage kids to try things themselves first.
At times parents over function for kids, and kids become trained to ask for help rather than try things themselves. Whenever a child asks for help, if it is a task that you believe he can do on his own, ask him to try to do it himself first. If he tries, and doesn’t know how to complete a task, offer him help, but teach him how to do the task rather than doing it for him.

Teach kids to solve their own disputes.
Young children will often ask parents to solve disputes between siblings or friends. When children are very young, this is an appropriate role for parents. However, once children develop problem solving ability, encourage them to work out issues among themselves, and to approach you only if someone is in danger or the problem is intractable. If you do step in to help a child work out a dispute with a sibling or friend, act as an arbitrary in a negotiation so that you are modeling how to problem solve with others. If there is any bullying or abuse involved in the dispute, assume an authoritative role and discipline the offending child as needed.

Teach kids how to manage money.
Teach kids how to handle money, including earning money, saving money, prioritizing spending, and giving to others. When they are very young, you can begin be teaching them to save a portion of their money, spend a portion and perhaps donate a portion of by helping with special tasks. By the time kids are teenagers, they should be able to understand how to make a simple budget. Having kids earn their own spending money during the high school years with a part time job, is a great way to introduce them to the real world of providing for oneself.

Teach kids to set goals.
When your child discovers an interest or a passion in life, teach him how to set broad goals and smaller goals as a means to achieving the larger goal. Talk with your child about setbacks, and the importance of persistence in any endeavor. Some children will give up on goals prematurely due to anxiety about failure. Teach the anxious child that failure is an inevitable part of the journey. Children who can identify what they want, set goals, and persist despite setbacks are well on the way to independence.

One of the main tools for limiting or cutting off benefits is the use of the “independent medical examination” (IME).

These examinations are rarely independent. The insurance company typically hires a health care provider to examine you and then provide a report to the insurance company. Usually of the same or similar type of health care provider that you are obtaining treatment from is used, but not always. I have seen orthopedic doctors do examinations when my client has only seen a chiropractor and vice versa. Most of the time (although not always), the IME report comes back and minimizes the person’s injury in some way. Either the injured person was not really hurt, or their injuries should already have resolved, or they have treated for too long, or the treatment they are receiving isn’t helping them. The insurance company then uses the IME report to limit or cancel payments for treatment.

The dirty little secret is that often these “independent” health care providers are making a substantial income from doing these examinations for insurance companies.

The bias is clear: the health care provider has to write something negative in the IME report to justify the insurance company continuing to send people for these examinations. These “usual suspects” appear again and again in personal injury cases. Some people in the know refer to them as a not-so-nice word for “the oldest profession”. This term is actually quite appropriate if you consider that these health care providers are essentially selling their expertise to the highest bidder regardless of the medical ethics involved, and there is no doctor-patient relationship in these examinations. In fact this industry became not so secret recently when the New York Times profiled IME examinations, particularly in the New York State workers compensation system:

http://www.nytimes.com/2009/04/01/nyregion/01comp.html?_r=1

The problem is that if you refuse to attend an IME they insurance company cancels your benefits anyway because it usually states in the policy that you have a duty to cooperate with the insurance company, and failing to attend the IME is “failing to cooperate.” I typically counsel my clients to attend these examinations, but I prepare them for what to expect. I also request that the PIP insurance company pay all outstanding bills up to the date of the IME, and not disclose the IME results to any outside parties because often an at-fault insurance company will try to obtain the IME report to use it against an injured person. Although the IME report is probably not going to be fair, with some caution and preparation, you can minimize the damage to your case.

Perhaps one of the main benefits of going for an independent financial or mortgage advisor is the fact that they’re independent. This means they won’t be trying to sell you products from any particular bank or lending company as they receive the same finder’s fees from all mortgage companies. You’ll also have the peace of mind in that they’ll listen to your circumstances impartially and will be able to advise you on your best options without bias, so you don’t have to worry about being forced into anything.

Another great benefit of using an independent mortgage advisor is the fact they know so much about mortgages.

They have to be knowledgeable for their job, and so they’re ideally placed to explain all the technical jargon to you that often puts people off. They’ll also be able to explain to you about fixed rate and flexible mortgages, as well as issues such as early payment premiums. This will help you understand what’s on offer from different lenders so you can make an informed decision.

Once you understand the different products on offer, you also need to know the process of how to go about obtaining one of them. Here, your independent mortgage advisor will be able to guide you through the process of applying for a mortgage and will help you compile all the information you need.

They’ll also be on hand to answer any queries you have in an impartial manner, which can be ideal if you’re feeling a little blindsided by your lender of choice.

Lastly, having an independent financial or mortgage advisor on board can sometimes help to speed up the whole application process as you’ll have the benefit of being able to utilize their skill and experience to help you along. Getting them to help you means that you’re more likely to make a good application and they’ll also be able to keep an eye on the process as it progresses, so you won’t have to spend so much time stressing about the mortgage and can focus on your new house instead.

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