1. Frugal Dad. (2008, September 8). Living paycheck to paycheck [Web log post]. Retrieved from http://frugaldad.com/2008/09/09/half-of-us-are-living-paycheck-to-paycheck
3. It is important to consider the legal distinction between employees and independent contractors and how they are treated. Please see U.S. Internal Revenue Service. (2010, August 3). Independent Contractor (Self-Employed) or Employee? Retrieved from http://www.irs.gov/businesses/small/article/0,,id=99921,00.html for more information on determining whether a consultant should be considered an employee.
1. Sims, H., & Manz, C. (2001). ...