What a joke - My business just received another threat of force letter from the state government (Colorado Department of Labor and Employment), listing the unemployment insurance rate for 2013 - the rate that I must pay to ensure that in case I fire myself, the government will send money back to me personally to take care of me during the tough times, so I guess I don't need to save for myself - the nanny's got my back. Interestingly at the bottom, they bribe me with this message "You can get a lower rate for 2013 if you have a computed rate and are up-to-date with all of your payments. (I am). To get a lower rate, you must make an extra payment called a 'voluntary payment.' This payment must be received my March 14, 2013. See the voluntary-payment instructions form in this packet." WHAT A JOKE! Think of it like someone holding a gun to your head and saying, 'don't worry, if you voluntarily give me your money I won't shoot you.' Thoughts to ponder: 1) Should people be responsible for themselves and save money to account for potential time in which they might become unemployed, or should the state & federal government be on top of it for you - using force to create another burden on employers. Keep in mind the latter creates extra costs and - who are we kidding - your wage will be lower anyways to compensate - not to mention government inefficiency given the possibility that they ever do pay out to you (after you sign-up through their paperwork process)... So is government force the answer? 2) Should government threaten force in the middle of a voluntary interaction and contract? i.e. "Hi 16 year old that has no work experience and is looking for extra money to take your girlfriend out on the weekend - what's that you say? You are looking for side work? You're wanting to voluntarily form an agreement in which you do six hours of work for my business on Saturdays for $5/hr? Sorry, due to government threatening to lock me in a cage if I don't pay you $7.25 in addition to filling out hours of paperwork, I cannot give you this work and instead you will be left with nothing including no girlfriend - so go back and play games in your mom's basement until you're 26. 3) Is your labor your property? Are the fruits of your labor (income) your property? 4) Should you do with your income what you please or should 51%+ of the population be able to hire a force agent in which they take it and decide how to use it for you, and then give it back when you're older and they feel like it? Also, I wanted to hire some independent contractors for a few days of work, but due to the ~$1k in unemployment insurance alone that has been confiscated by force this year, I have foregone this. Unseen consequences are always the worst.