This Month’s Paycheck
Many people will see their W-2 paychecks go up a bit this month. The lower federal tax rates passed as part of the 2017 Tax Cuts & Jobs Act are going into effect, which means less will be withheld from […]
Taxes: It’s Going to Be Okay
So the tax changes are really here. The House and Senate bills have been reconciled and re-approved, so all that is needed is a presidential signature to make the law official. Now that we know what the final bill really […]
Increasing Financial Mindfulness
“I spend money with intention,” read one statement on an assessment I shared with attendees of a workshop I led earlier this month. Participants rated themselves on a scale from 1 to 5, with 5 being “Yes! Of course!” and […]
The Creative Brain
You probably have known for quite some time that your brain works a bit differently from others, say, your attorney or your financial planner. Now there’s science to back you up. Researchers from Australian National University, University College London, […]
Insurance: Just the Basics
So insurance has been in the news lately, unfortunately. A few years ago, we talked at length about adjusting to the Affordable Care Act in terms of budgeting, managing cash flows, and reviewing basic needs. Apparently we need to continue […]
Emergency Reserve Fund: What You REALLY Need to Have on Hand
If you’ve ever hired a financial planner or read a financial planning article or overheard a financial planner talking at a bar, you probably know how much you “should” have in your emergency reserve fund. It should be enough to […]
Four Ways NOT to Blow Your Tax Refund
Congratulations! You received your tax refund. Want to know how not to blow it? Use it for these four things instead of whatever your reptilian brain tells you to do with it. Pay Off Debt One of the smartest […]
Changing Times: When and How to Increase Your Rates
You’ve quantified your costs. You’ve researched your competition. You know your customers inside and out. You’ve even figured out exactly how to describe your competencies in an authentic way. And you realize you’ve been undercharging. A lot. How can […]
To Discount or Not to Discount… That is the Question
“I got a great deal on it!” “It was on sale!” “Thanks! It was a steal.” You’ve probably heard variations of that theme on more than one occasion. And most of the times I hear those types […]
Range Pricing: Buying Wiggle Room
I love quoting a range for a custom project. Whether you deal with flat-fee projects or work on an hourly rate, quoting a range of total dollar value (or total hours) can help your client immediately understand the scope. If […]
