<prompt> Human: Phew, busy day for me, 2nd post in pf and 2nd ever on reddit. Please be gentle, its gearing up to be a rough year. On to my post:My insurance cost will go up, currently on Obama-care plan.My other concerns are the somewhere near 30 in income tax I will need to set aside. Would love advice on the best way to get the most out of that.These seem to be good reasons to ask for more than I normally would for such a job. Its adminclericalcustomer service work for a small property management company in Michigan. Typically I would ask for 14 per hour, but am thinking 16hr might be more appropriate? I am open to their offer, and am desperate so I might go as low as 10hr, but making 7 after taxes seems absurd. How can I best approach this negotiation? What is fair to ask for?Any advice is appreciated.  <response>: Yes, you should ask for more money on a 1099You have to pay more taxes and dont get benefits on a 1099, employers who arent actually having temporary contract work done use 1099 as a way to pay less overhead for employees. 