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An extra the homeowner asks for on site is a contract variation, and in NSW, Victoria and Queensland it has to be agreed in writing before you start. What each state requires, what to say at the laundry door, and what happens to payment if you don't.

Maryland FAMLI takes 0.9% of wages paid from January 1, 2027, split between worker and employer, and a business with fewer than 15 employees pays no employer share. How to register, what to withhold, how the state counts your 15, crews working in DC, and the first payment due April 30, 2027.

On a supply-and-fit job for a homeowner, the VAT is 13.5% unless the materials cost you more than two-thirds of your price, when the whole job goes to 23%. Fixtures against fittings, two worked quotes, heat pumps at 9%, solar at 0% and the cases the rule skips.

Any New Zealand employer can hire on a 90-day trial again, but it only protects you if the worker signs before their first shift and you give notice inside the 90 days. Trial, probation or fixed term for summer staff, and what the worker can still raise.

The FTC's nationwide ban is gone, but the FTC has gone after non-competes in pest control and more states now ban them for hourly workers. What your state allows, and the narrower protections that hold up when a trained tech leaves.

Awaab's Law phase 2 widens the hazards social landlords in England must fix to deadlines from 30 November 2026. What it means for repairs contractors: the landlord's clocks, when your visit can start them, reporting hazards, recording failed access and the contract terms to settle first.

On a total fire ban day in Victoria or NSW, welding, grinding and gas cutting in the open stop unless you hold a permit or exemption. The fire season kit Victoria requires, what counts as the open air, the afternoon-before routine, permit and exemption lead times, and the penalties.

A labor-only workmanship warranty is your own contract; add parts or equipment and the Magnuson-Moss Warranty Act applies. A sample one-page warranty clause by clause, why yours is probably limited, the maintenance-plan condition to avoid and manufacturer registration.

Labourers on variable or seasonal hours build up holiday at 12.07% of the hours they work, and you can roll their holiday pay into each payslip if you show it separately. Who counts, a worked season, and what you owe when the work ends.

Every Marketplace bronze plan now works with an HSA. For a self-employed contractor buying 2027 coverage, here is how a bronze plan with a $4,500 HSA compares with silver, where the 400% subsidy cliff sits, and how both deductions work.