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For more information, contact City of South Bend Business License Administrator, Michelle Adams | madams@southbendin.gov | 574.235.9122 | 9 <br />RESOURCE GUIDE <br />PROS AND CONS OF WORKING AS AN INDEPENDENT CONTRACTOR: <br />PROS <br />●You are your own boss <br />●You set your own hours <br />●You pick and choose what jobs you <br />want to work <br />●You decide how much you get paid <br />●No federal or state tax is withheld <br />from your pay <br />●You can take increased business deductions <br />CONS <br />●No job security <br />●Might not get paid <br />●No guaranteed set hours <br />●Must pay self-employment taxes <br />●No employer provided benefits <br />●May be personally liable for <br />business debts