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What happened was the employer was a cheapskate who didnt want to pay Workers Comp and other stuff. Or deduct Inc Tax from our pay cheques He had us dummies register businesses while we worked for him. (which frequently were 60+ hours/week). None of us dummies were setting aside $$$ to pay the...

Be careful about working 40+ hours/week, month after month for just one company and considering yourself a "subcontractor" instead of an "employee". I learned that the hard way from the nice folks at Revenue Canada 32 years ago lol. Getting tax arrears settled up with them was not a happy...

All the best to you, Mr. Hulk. Based on your posts I think you have your head screwed on right and you will do ok. Dave

Look into private disability insurance coverage if you are gonna be doing treework on your own dime. Good variety of policies available with premiums based on amount of monthly payout and deductible you choose. I've had a number of claims. . .