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Auburn Annie · 02-20-2005, 02:06 PM

Yep, Skaneateles is our neighbor, about 5 miles to the east of us. Lovely but (comparatively speaking) expensive. Lots of mansions along the lake. Did you eat at Rosalie's Cucina? Rosalie Romano was our next door neighbor for a few years, a lovely woman - my daughter (then about 5) used to invite herself over for coffee and dessert; I can still hear Rosalie laughing in the background when Rachel would call me. Her brother Phil built the restaurant for her - he's in the business, having founded Fuddrucker's and Romano's Macaroni Grill among others. Unfortunately she died of cancer not long after the place opened. But the food is great. And they have a new spa next door, Mirbeau Inn, which has won 4 diamond rating.

As for the job, I'm the last to tell anybody what to do. In my case my husband is working full-time and carries the family insurance so that's one worry I don't have. I don't know how old you are, how close to retirement or not. If you're still young, unencumbered (no family) it's easier to pick up and move. There's something to be said for paid vacation, sick leave and insurance. On the other hand if health is good and you like setting your own schedule - and the work is steady, and you set money aside for the lean times - you might want to stick with it for a while. If you decide to take the state job (if offered) you can always sock away the cash for the day you say "shove it" and walk back to being an independent contractor. Is there a local CPA who could handle your quarterly payments etc.? Check with the local office of the Small Business Administration for suggestions.

Also, New Hampshire has a program for the self-employed to buy health insurance.

"The approach different states take to the issue of how to treat health insurance for the self-employed varies. In New Hampshire, the self employed are allowed to purchase a small group health insurance policy even if there are no other employees.

Being a self-employed individual buying New Hampshire health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual New Hampshire health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance."

See http://www.healthinsuranceindepth.co...Hampshire.html
for more, and a CPA for tax advice.

[This message has been edited by Auburn Annie (edited February 20, 2005).]

02-20-2005, 02:06 PM	#87
Auburn Annie Senior Member Join Date: Oct 2002 Location: Upstate New York Posts: 3,101	Yep, Skaneateles is our neighbor, about 5 miles to the east of us. Lovely but (comparatively speaking) expensive. Lots of mansions along the lake. Did you eat at Rosalie's Cucina? Rosalie Romano was our next door neighbor for a few years, a lovely woman - my daughter (then about 5) used to invite herself over for coffee and dessert; I can still hear Rosalie laughing in the background when Rachel would call me. Her brother Phil built the restaurant for her - he's in the business, having founded Fuddrucker's and Romano's Macaroni Grill among others. Unfortunately she died of cancer not long after the place opened. But the food is great. And they have a new spa next door, Mirbeau Inn, which has won 4 diamond rating. As for the job, I'm the last to tell anybody what to do. In my case my husband is working full-time and carries the family insurance so that's one worry I don't have. I don't know how old you are, how close to retirement or not. If you're still young, unencumbered (no family) it's easier to pick up and move. There's something to be said for paid vacation, sick leave and insurance. On the other hand if health is good and you like setting your own schedule - and the work is steady, and you set money aside for the lean times - you might want to stick with it for a while. If you decide to take the state job (if offered) you can always sock away the cash for the day you say "shove it" and walk back to being an independent contractor. Is there a local CPA who could handle your quarterly payments etc.? Check with the local office of the Small Business Administration for suggestions. Also, New Hampshire has a program for the self-employed to buy health insurance. "The approach different states take to the issue of how to treat health insurance for the self-employed varies. In New Hampshire, the self employed are allowed to purchase a small group health insurance policy even if there are no other employees. Being a self-employed individual buying New Hampshire health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual New Hampshire health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance." See http://www.healthinsuranceindepth.co...Hampshire.html for more, and a CPA for tax advice. [This message has been edited by Auburn Annie (edited February 20, 2005).]