more and more workers today are self-employed. rather than work for one employer and getting a regular salary, they find their own work and organize their own schedules. many of these are freelancers who may work for several different employers. some people work part-time, say 20 hours a week. or maybe they work full-time, but they are temporary: an employer hires them for a specific project for a specific period of time. many workers say that this gives them more flexibility to organize their lives. they can take time off when they want to. but of course they don't get any benefits like health insurance or paid vacations. they also have less job security. they are more likely to get laid off if the economic climate is bad.