How taxes are hidden

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Taxes are hidden in many ways. For example, you see the payroll taxes that are deducted from your payroll check each pay period. What you do not see are the taxes that your employer pays. For example, in addition to income tax, your employer…

Hidden Taxes: What Is Your True Cost?

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We are pretty well aware of the taxes we must pay as U.S. citizens; income taxes, payroll taxes, sales taxes, property taxes, and gift and estate taxes, to name a few. We can easily see these taxes on our pay stubs, tax bills, and sales receipts.…

Three tips for Social Security

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Use the benefit calculators available on the Social Security website to estimate your future retirement, disability, and survivor's benefits. Social Security was never intended to cover all of your financial needs, but understanding what benefits…

Survivor's benefits: financial protection for your family

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You probably know the value of having life insurance to protect your family, but did you know that Social Security offers valuable income protection as well? If you are insured under Social Security at your death, your surviving spouse (or ex-spouse),…

Disability benefits: help when you're ill or injured

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During your working years, you may suffer a serious illness or injury that prevents you from earning a living, potentially putting yourself and your family at financial risk. But if you're insured under Social Security, you may be able to get…

Retirement benefits: a steady stream of lifetime income

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While Social Security retirement benefits are important for everyone, they are especially important for women. Because women generally live longer and tend to have lower lifetime earnings than men, they may be more dependent on Social Security…

Why Women Need Social Security

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Did you know that the first person ever to receive ongoing Social Security benefits was a woman? Ever since Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide much-needed…

SMALL CHANGES IN YOUR SCHEDULE MAKE A BIG DIFFERENT IN YOUR QUALITY OF LIFE AND THE TIME YOU HAVE FOR YOURSELF

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Did you know that small changes in your schedule can and do have a big impact on your productivity, sometimes adding or removing hours to your day? Yes, it’s true. Sometimes, the things we do are so unproductive that we lose several hours…

A SIMPLE TOOL TO BOOST YOUR SUCCESS IN ANYTHING

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Recently, a client called me for a session because he had trouble sticking to his goals. We talked about creating habits rather than goals. We talked about making the process itself enjoyable. We talked about motivation, and about keeping a…