俺是合同工

去年因XX原因，俺從自以為退休的日子裏走出來，加入了廣大合同工隊伍。當合同工，工作上的好壞俺先不說，光說說俺體會到的財務上的利弊，有遺漏之處，廣大合同工們，請補充。

好處：
1. 工資略高，因為公司不必花錢為你的benefit 買單，工資高一點，讓你自生自滅很合理。
2. 稅務上有些好處（漏洞可鑽）：不拿W2的自雇者（self-employed）IRA（SEP or self 401K) 可放上限$51,000，比公司的401K上限高出很多；平時的一些開銷（車啊，飯局啊啥的）可抵稅；這麽一扣二抵的，就沒剩幾個要交稅的錢了。
3. 奧八health care出籠了，也不用擔心醫保無著。
4. 半年9個月賺到本來要1年才拿的工錢，剩下的時間可以躺沙灘上看帥哥美女。：）

壞處：
1. 沒公司為你交一半的社保稅，也就是說要自己要交15%的社保稅和醫療稅，而不是正式工的6.2%。
2. 沒公司為你交失業保險，一份工打完了，木有失業金的free lunch 吃。
3. 沒有公司股票分紅，碰上在穀歌臉書蘋果等公司當合同工？看到周圍同事個個因股票發財，就自認倒黴吧。：）

暫時想到這些，這裏自雇的多，大家再補充。

對了，從心理上來說，合同工比較無憂無慮，不必混水於辦公室政治，老板隻管給俺分配任務，怎麽完成俺說了算，少了很多婆婆指手劃腳。嗬嗬。

IRS about self-employed tax:
Generally, if you are an independent contractor you are considered self-employed, and should report your income (nonemployee compensation) on Schedule C (Form 1040) (PDF), Profit or Loss From Business (Sole Proprietorship), or Schedule C-EZ (Form 1040), Net Profit From Business (Sole Proprietorship). Most self-employed individuals will need to pay self-employment tax (comprised of social security and Medicare taxes) if their income (net earnings from self-employment) is $400 or more. Use Schedule SE (Form 1040) (PDF), Self-Employment Tax, to figure the tax due.
Generally, there is no tax withholding on income you receive as a self-employed individual as long as you provide your taxpayer identification number (TIN) to the payer. However, you may be subject to the requirement to make quarterly estimated tax payments. If you do not make timely estimated tax payments, you may be assessed a penalty for an underpayment of estimated tax. Unlike independent contractors, employees pay social security and Medicare taxes, as well as income tax, through payroll deductions (withholding).