Working Without a Net

"During recessions, many laid-off professionals shun a return to traditional employment, opting instead for careers as independent contractors or consultants...

On the surface, such a life seems attractive. After all, you get to be your own boss, and nowadays most full-time jobs don’t offer true security anyway. On top of that, many employees self-fund much of their own retirement and benefit costs without much assistance from their employers..."
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Source: JobsintheMoney