Simple IRA Facts  Is your worker an employee or a subcontractor? According to State of CA EDD "Subcontractors and construction workers without valid contractor's licenses are statutory employees of the contractor who either holds a license or is required to be licensed. Also, to be considered independent contractor, subcontractors and construction workers must possess valid contractor's licenses for the specific work being performed. Payments are wages paid to statutory employees under Sections 621.5 and 13004.5 (CUIC) and are subject to Unemployment Insurance, State Disability Insurance, Employment Training Tax and Personal Income Tax Withholding. Contractor's licenses can be verified 24 hours-a-day on the Contractor's State License Board Web site, www.cslba.ca.gov.   Maintained by: PayrollExpress.Biz

Teaching Children about Money How to tie their shoes and tell time are important skills parents teach their children. But don't forget the important skill of learning how to handle money. If you don't teach them, they'll be left to the experts on the schoolyard or (worse yet) Madison Avenue.