Pocket More Money in 2018
Saving money doesn’t have to be hard. Whatever your dream – with a few small changes to your lifestyle, you can pocket more money! We have 4 ways you can stash away $100 a month and help you stay on task! One trick that could make a big difference is analyzing what you buy and cutting out unnecessary or frivolous items. READ MORE
Divorce Dollars & Sense
Divorce can be one of the most difficult and stressful times in a person’s life, and it’s easy to make major money mistakes. You can’t negotiate a fair settlement if you’re not taking into consideration ALL of your assets as a couple. Look beyond what money you have right now, and take into account future interests like start-up stocks, business interests and pensions. READ MORE
Financial Tips for New Parents
Having a baby is expensive! Your new bundle of joy is going to make a very large dent in your bank account. From the cost of giving birth to doctors visits to diapers – it all adds up. The average cost of raising a child from birth through age 17 is estimated at $233,610 – or as much as $14,000 each year! READ MORE
Book of the Month
Water The Bamboo® is a metaphor for individual and team success. When giant timber bamboo grows, it will rocket up an astonishing 90 feet in only 60 days, but not until at least three years of watering. In 21 steps, this timely book helps individuals and teams refocus on their core values and mission to achieve long-term success.
“The cost of a thing is the amount of what I will call life which is required to be exchanged for it, immediately or in the long run.”
~ Henry David Thoreau
Ginger Asian Noodle Salad with Turkey and Cucumbers
1 package vermicelli rice noodles
¼ cup rice vinegar
2 teaspoons granulated sugar
1 tablespoon freshly grated ginger
1 teaspoon freshly grated ginger
1 red pepper
1 red Chile pepper
3 ounces snow peas
½ seedless cucumber
1 tablespoon canola oil
1 pound lean ground turkey
¼ cup hoisin sauce
1. Follow the package directions in cooking the noodles.
2. Drain and rinse the noodles under cold water.
3. At the same time, stir together in a large bowl the vinegar, sugar, 1 teaspoon ginger, and ¼ teaspoon of salt.
4. Add peppers, snow peas, and cucumber. Toss to combine.
5. Heat the oil in a large nonstick skillet over medium heat.
6. Add the turkey and cook. Use a spoon to break it apart until it’s no longer pink, 5-6 minutes.
7. Stir in the hoisin sauce, the remaining ginger, and 2 tablespoons of water.
8. Cook for 1 minute before gently mixing in the scallions.
9. Serve the noodles with the cucumber salad and turkey.
Make the Most Out of Miscellaneous Deductions
If you could save a few extra dollars, would you? How about several hundred on your taxes?
The IRS provides miscellaneous deductions that could save you hundreds of dollars per year—if you keep track of your expenses.
Miscellaneous deductions don’t fit into any standard tax category, but they can help lower your taxable income. That means you will have to itemize your deductions rather than taking the standard deductions.
Here are 2 tips:
- The Two Percent Limit: To be deductible, miscellaneous expenses must exceed 2% of adjusted gross income. That means if your AGI is $50,000, you must generate miscellaneous expenses of more than $1,000. Expenses may include: unreimbursed employee expenses, job search costs for a new job in the same line of work, job tools, union dues, work-related travel and transportation, and the cost to prepare a tax return.
- Deductions Not Subject to the Limit: certain casualty and theft losses, gambling losses up to the total of winnings, losses from Ponzi-type investment schemes.
Use Schedule A for deducting miscellaneous expenses – https://www.irs.gov/forms-instructions
Other details may apply; find more information on the IRS website. This information is not intended to be a substitute for specific individualized tax advice. We suggest you discuss your specific tax issues with a qualified tax advisor. Tip adapted from IRS.gov
Stay Alert for Sleep Disorders
We spend nearly 230,000 hours of our lives doing it. While it is not a conscious state of mind, we long to attain it. Nearly 15% of the American population hasn’t been getting enough of it—for a very long time. It’s sleep, and experts list nearly 70 disorders.
Lack of or disrupted sleep creates numerous health problems, including hormone level fluctuations, mood shifts, and rapid weight gain or loss.
Here are some basic tips to beating insomnia:
- Go to sleep at the same time each night.
- Avoid using phones or reading devices before going to bed.
- Don’t use caffeine, nicotine, or alcohol late in the day.
- Get regular exercise.
- Don’t have a heavy meal late in the day.
- Follow a routine that helps you relax.
Making a good night’s sleep a top priority will lead to a healthier and more productive life.
Discover Easy Tips for Going Green
Going green isn’t about making a fashion statement. It’s about developing a lifestyle that helps preserve the planet’s delicate ecosystems by taking individual responsibility for how we live and interact with our immediate environments.
Here are 5 tips to help you lead the green life:
- Eat less meat. Reducing your meat intake can have a profound impact on the planet. Nearly a third of the Earth’s surface is used to raise and support livestock.
- Less paper, more recycling. Recycling one short ton of paper can save 17 mature trees.
- Forget paper or plastic and go canvas. Canvas shopping bags may cost more, but produce far less waste than plastic or paper bags. Canvas bags are also sturdier and can be used to store items.
- Buy the right light bulbs. You don’t need to buy replacement bulbs if your old ones are still shining. When your bulbs do go out, replace them with eco-friendly brands.
- Use cloth instead of paper. Use old t-shirts or other older clothing to do spring cleaning or spill cleanup. Using paper towels is just a waste of paper.
Going green is easy. Just a few simple steps and you’re on your way to a greener, cleaner life.