Wednesday Wow: Banking in 2022

Giving any bank my money is what I’m not gonna do! No way Hosea. I have learned so much over the last two years and the heavily bailed-out banking system will not profit from me in 2022! I have a few strategies to ensure this from happening

So let’s just start at the beginning, Banks make money, using your money- I bank at Suntrust. Have been so for over a decade. Now, to be honest, I have had enough NSF’s for anybody over the years. It kinda just happen. Kids, gas, food, unstable income- life…… it just happens. But I always pay it back timely. COVID came along just when I was stalling my income, and my banking life went into mild turbulence. Yep, I got a couple of NSF hits but to my defense, it was the banks’ fault as I began checking my morning emails, that posted my most recent balance. before spending each day. Yet I would get fined. Talk about upset! I could not believe it! How in the world do they do make it make sense? So I called them and after hours of conversing, it’s refunded. Now fast forward almost two years later. This began around Thanksgiving. My financial life is coasting along pretty well before this. I have funds deposited inside online banks as well as inside brick and mortar institutions. In this revelation, PayPal was the activator. I purchased a vacation package for my doula practice and it overdraft in my Suntrust account. I pulled the money from my Paypal account but it went to my CashApp instead of my Suntrust account.

They couldn’t reverse it. Cashapp couldn’t forward it and Suntrust call volume was so high I timed out 6 times on five different days. Needless to say the fees added up because nothing made sense to me. The time I did speak to a Suntrust agent, she gave me the run around. I asked for an escalation and she said that I would be placed on hold again…….. “I kid you not”. Mind you, I’m still homeschooling, working, keeping up my home, dealing with my sister’s transition, and trying to keep up with my loved ones.

Thanks to Paypal and others, along with a plethora of back and forth, I was left holding the bill for $360 in NSF fees. It was paid and will be written off on my taxes, but going forward, none of these accounts will benefit from my account. I will not leave more than $20 in any of them. What I have learned is banks make money with fees.

Fees

Checking account fees make up a large portion of the bank’s income, bringing in $6 million in 2015 just from ATM and overdraft fees. If you’re smart with your money, you may never have to pay one of these fees, but some may be unavoidable. Fees associated with checking accounts include:

  • Application fees. Whenever you apply for a loan, most banks require an application fee. Additionally, banks can include this fee in your loan’s principal and you’ll have to pay interest on it.
  • Lost or stolen card fees. If you need a new debit card, a new one will have to be mailed to you at your expense.
  • ATM fees. In certain situations, such as being on vacation in an unfamiliar place, you may not be able to find an ATM owned by your bank. Using a different one will cost you a small fee, both from your bank and the bank who owns the ATM.
  • Account fees. While free checking accounts are still more common, some banks may charge a “maintenance” fee just for owning a checking account.
  • Overdraft fees. A credit card payment late by even two minutes can land you with an overdraft penalty. It happens to everyone, but doing it often can be very costly. The average charge for having your account balance in the negative is $35 a day, but may be higher depending on your bank.
  • Paper statement fees. If you opt to have your billing statements mailed to you instead of checking them online, you can expect to pay a small fee for this service.
  • Inactivity fees. Banks can charge you if you haven’t made any deposits or withdrawals on your account for an extended period of time.
  • Late loan payment fees. If you miss a payment on your loan, you’ll usually have to pay anywhere from $10-$100 depending on your bank’s policy.
  • Loan prepayment fees. Paying off a loan early is not always a good thing, especially for your bank. It causes them to lose money in interest, so they will often charge you a fee to make up for it. The higher the interest rate on your loan, the higher this penalty will be.

When you take these factors into account, your free checking account is not actually “free.” Recent spikes in interest rates and the introduction of more fees may seem unfair to the bank’s loyal customers. However, banks are the safest place to store your money, and the peace of mind this brings is well worth the price of a few small charges. The way I figure it, if I don’t use these features. they won’t be getting my coins. I will not use them for loans. I don’t use my ATM card. I have a paperless account. There is no activity fee…So there’s that!…. I think I’ll get them in the end.

Friday Five: The Death / End Of Life Doula

This post is super challenging because the transition of my sister is relatively fresh like not- even- a- month yet fresh. But it’s relative to what I do and why I offer the service that I do. And besides that I have a tendency to repress my emotions. Sharing what a death doula is informs you, the reader of the job from the provider part as well as offers transparency from the family side as well.

Here’s my sister ( Adrian ) She is the most aggravating person I have ever known in my life! But I wanted her to life a long boring life….. Sure she could check in every once in a while but definitely leave me alone. Had I known or any of us for that matter, how much time she had we might have done things a bit differently. But we didn’t get the gift of time. But she knew we loved her. And I knew she loved me.

9 out of 10 people say they want to be cared for at home if terminally ill. Presently, half are dying in institutions. Death is the second leading fear in the united States.

How a death doula plays in it all; Death Doulas care for the whole person, taking into account patients’ emotional, mental, spiritual, physical factors and in my practice a little administrative guidance as well.

Death Doulas can:

  1. Help create positive, empowering end of life plans;
  2. Provide spiritual care, psychological and social support;
  3. Suggest ideas for optimal physical comfort;
  4. Help plan home vigils; and
  5. Educate patients and families on the new and progressive options of home wakes and natural burials.

This training is for those who have a calling and desire to support and guide both patients and families through any aspect of the end of life process. Our training and certification is appropriate for all areas of person-centered care. Social workers, counselors, medical professionals, non-medical home health agencies, holistic practitioners, hypnotherapists, massage therapists, reiki practitioners and even people who just want to be an Death/ End of Life Doula.

Due to the enormous number of illnesses, there is an overwhelming and growing need for these types of services and support. Finding the right teacher and training program is one of the most important decisions you will make.

Classes Offered: Online and In Person or Hybird.

Cost: $380

Note: Death Doulas DO NOT facilitate death, nor do we produce or assist individuals in having a “good death”, nor do we try to help people realize they are dying. We do not place judgement or define what a good (or bad) death is. Our primary function is to be in support of individuals in their final transition from their physical body. 

Death is one of life’s most potent and sacred passages, as well as one of the most denied, ignored, and feared. If brought to the forefront of our minds, death has the power to transform our lives, release the extraneous, re-prioritize our intentions, and initiate our courage. Death, in all its mystery, invites us to consider that the profound peace we’ve long sought after has been with us all along. We know there are so many questions. We know there is uncertainty. No one needs to do this alone.

Ready to register? Click here!

Wednesday Wow: COVID Check- How You REALLY feeling David Cox Elementary School?

We withdrew our two impressionable sons today from David Cox Elementary School because there’s no community there. I’ve always felt that schools were a tight knot part of the community. I grew up in a town, where my parents’ classmates were my teachers, The sense of honor, respect, and humanity was more than vocabulary words on a study sheet. These COVID days are bringing out the best and worst character in so many adults we expect to look to as role models. Let’s face it. Some professionals should never crumble. For example, elementary school principals. Principal Celeste Spears Ellis has no compassion or class 

This year we have a ninth, seventh, fifth & fourth-grader, We usually place our ninth-grader in public school for their last few years of school so getting scholarships and increasing their network is a bit easier, We figured if it worked for our older three children, it’ll work for our younger four. What we didn’t know was the younger kids wanted a break from us too! So everyone ended up in our local public school system. 

Right now, it’s September 29, 2021. I just attended my sister’s final services 8 days ago. Yesterday, I got a text that my hospitalized BIL got the worst news a dad, husband, a good friend could get and was told to prepare for the worst. The first thing in my mind was “Kelle, get your kids from all three schools. They aren’t home-schooled anymore. ” So I started calling. I was picking them up one by one, except for my David Cox students. No one was answering the phone as it was getting close to dismissal. I made it to my baby boys’ school and pulled into the shuttle /bus entry not to disturb their flow. Mind you, -still, no one had answered my call. The first carpool assistant acknowledged me and I told her what I needed help with. She repeated their names on the walkie-talkie as usual. I proceeded to get my little guys from the front of the school. I was met with a staff member that refused to send my boys out. She insisted that I return to my car and get in the extensive carpool line. I explained to her why that wouldn’t work for my family today. But she wouldn’t budge. Eventually, she said to speak with the principal, who was standing inches away, speaking to a lady. Because I was raised well, I waited. After four minutes I appropriately positioned myself and asked for assistance, She nodded her head and continued her conversation for two more minutes. The lady eventually motioned to walk away, but Ms. Spears pulled her back into the conversation to discuss a very casual topic. I know because I was standing right there. She laughed. giggled, wiggled, and she flat out ignored me standing right there. I later noticed that she was speaking with a teacher that worked there. I knew this because she walked inside the school moments later.  

 By this time I see that she’s showing really bad character and respond by saying to her again, I need my sons now. She walked over with the most conceited look in her eyes and voice and says “You will not talk to me like that. We aren’t gonna do that in front of these children, “I responded, I don’t know who you think you are, but I don’t have time to massage your ego. I don’t have a problem following protocol, but today it’s an emergency, And every rule has exceptions, If you can accommodate my request, my boys are in the wrong school.” She got upset and turned away. I went to the door and called out for my sons- (They must have sent them far away because they didn’t hear my loud yells)

I said, If I can’t get my children, no one is getting theirs & I walked into the crosswalk which crossed the student pick-up path. She was unbothered and even less disturbed. So I then asked for a shuttle driver’s phone and called the police. After I asked for my kids- again. I told her, you’re kidnapping my children. I have an urgent family matter and you’re ego-tripping. I stayed right there until the police arrived and told them everything. I even added that there are exceptions to every rule. The problem started with them not answering the school phone. I needed to get on the road to SC. to see my BIL. The first student pickup staff called my kids up via the handheld radio and said it was not a problem. Then I get up there and Ms. Spears is hard down ego-tripping over my kids that she didn’t help make. I wasn’t rude, I wasn’t disrespectful. I was firm and persistent. As she walked into the school, one of her lady staff members told her again, what was going on, she said, and I quote, “I Don’t Care!” with the nastiest, most ghetto head nod. ever. 

Why am I going through this with the principal, during this time?? Since my boys enrolled there. I wave at each teacher in the student pick-up drop offline. I pulled a bunch of no candy rewards from my work bag for my sons’ classmates. What am I missing? 

I have a history with Briarwood, Northridge, Eastway, E.E.Wadell, South Meck, Providence, a few charter schools, the nutrition department, and countless CMS administrative and support staff members. We began homeschooling because our daughter was sick, then my parents, Things eventually leveled off. Now we can re-enroll our babies and this is what we get from an elementary school principal? I know this is not acceptable. She shattered my confidence and trust in public school for elementary schools. I don’t want my sons to believe that there is no community in the school.

’21 Disney On Ice presents: Mickey’s Search Party

Hey Charlotte, get ready to join Mickey and his friends at Disney On Ice presents Mickey’s Search Party, a brand-new adventure filled with world-class skating, high-flying acrobatics, and unexpected stunts! Experience the fantastic Disney adventures of Coco, Moana, Frozen, Beauty and the Beast, Aladdin, Toy Story, and The Little Mermaid in one ice show. Make memories with your whole family as Mickey’s Search Party becomes an all-out magical celebration on the ice, in the air, and all around! Disney On Ice is playing Spectrum Center from September 30 – October 3. Great seats are still available!

Click here for ticketmaster! (CLICK Here)

I can’t tell you how much my family enjoys they shows. Its almost like a mental break for us! Everything is about magic, hope, love, and fantasy adventures. Maybe you’ve noticed how movies like Moana, and COCO are so relative to every day lives. It’s so inspiring and suggestive. If you haven’t watched them yet, log on to Disney and make it a family night with the kids. I bet you’ll find a few valuable and powerful teaching moments together!

If you’ve never been to a Disney On Ice show, this is the year to attend! These COVID days require a certain type of balance. As a mom, it’s up to you to provide it. I’ll be there and I hope to see you.

-QC Supermom

Friday Four: Welcoming a Baby While Starting a Business: How to Do It

By, Leslie Campos of Wellparents.com

Being a business owner means working through various challenges and issues. But operating a startup when welcoming a baby into the world comes with a unique set of difficulties. In fact, most entrepreneurs who experienced this say that having a baby and starting a business simultaneously is daunting — but entirely doable.

kELLE tINA, AND aVI AT aLMA aDAMS OFFICE IN COSTUME

Founders who launched a business while welcoming a baby are usually committed to creating company cultures where everyone can enjoy family-friendly benefits like paid leave and flex time. Although it’s definitely not an easy feat, both can be done. Read on to find not just four but five tips from QC Supermom on how to balance these two unique experiences.

1.Register Your Business

If you have yet to do so, it’s critical to determine the type of business you’ll be running, whether it’s a sole proprietorship or a partnership, but many small business owners opt to form a limited liability company (LLC). As an LLC, not only are your personal assets protected, but there are tax advantages, and less paperwork is required. By visiting a formation service’s web page, you’ll save a lot by not having to pay an expensive attorney to complete the process. You’ll also learn all you need to know about starting a new business.

2.Create a Schedule

Although some days are less productive than you would like, it’s essential to take advantage of your peak energy hours. Whether you’re a morning person or a night owl, you should learn to carry out the most critical tasks during the period you’re most active. Creating a schedule can also help tremendously, especially since both the baby and the business are relatively new things you need to get used to. Establish work hours, time to spend with your partner, and alone time. By setting up a schedule, you’ll be able to balance the needs of your newborn and also take care of your venture.

3. Keep Perspective

​An unexpected benefit of welcoming a new baby while starting a business is how easy you’ll find it to let things go. Starting a family or adding to it gives you a fresh and incredible perspective on what really matters. You won’t stress about having every answer, closing every lead, or the day-to-day setbacks that come from being your own boss and a new parent. Stay focused on the bigger picture, and don’t beat yourself up over small mistakes or things you believe you have to do. Simply stay attentive to your needs and your baby’s while doing your best for your business.

4.Be Flexible

​You don’t know how it is to have a baby at home until you have it. A schedule will help you break your days into doable steps, but you also need to be quite flexible throughout the day. The exhaustion and chaos that comes with welcoming a new baby into the family should be put out by naps and alone time that allow you to recharge, maintain your mental and physical health, and relax.

Besides taking a nap when you’re feeling tired, wearing comfortable clothes can also help you feel more relaxed in your new double role as a mom and business owner. A pair of leggings, cozy maternity tees, and oversized sweaters can help you feel comfortable yet presentable enough to work on your business from home.

BONUS: Say Yes to Help

Friends and family members will probably want to support you after the baby arrives. Don’t refuse their help, especially since you also have a business to run. Relying on friends and family for postpartum support gives you a chance to breathe more easily and also shows you that you are loved and cared for.

If your family lives far away or cannot help you with your baby, consider hiring an experienced babysitter. You can also use various smart technologies you set up in the baby’s room to keep an eye on them while you work in your home office. It’s essential to learn to outsource both in everyday life and in business.

The Bottom Line

Times have changed. The more moms dare to start and run a business, the more people realize that they don’t have to choose between having a baby and launching a startup. Thanks to numerous resources online like the tips above, you can even learn how to balance the two daily.

The QC Supermom blog is your source for combined mom-and-entrepreneur wisdom. Follow Us today for more informational topics!

The End Of Life Doula

9 out of 10 people say they want to be cared for at home if terminally ill. Presently, half are dying in institutions. Death is the second leading fear in the united States.

At this time, we have 78 million baby boomers over the age of 65 in the U.S. 20% of them do not have their own children. We are in the midst of an elder care crisis.

When a baby dies it’s very much so different than a adult. It’s frequently called the ultimate tragedy, Stillborn / miscarriage transitions are a different type of pain, that requires a different type of healing and restoration. Some time it’s words. Like these amazing poems. And other times, the parents, family & other loved ones need a little something extra to over come their grief. It can be exacerbated and complicated by feelings of injustice — the understandable feeling that this loss never should have happened. During the early days of grieving, most parents experience excruciating pain, alternating with numbness — a dichotomy that may persist for months or longer. Many parents who have lost their son or daughter report they feel that they can only “exist” and every motion or need beyond that seems nearly impossible. It has been said that coping with the death and loss of a child requires some of the hardest work one will ever have to do. I know it to be true because I lost my 11 year old daughter in 2005. She had Auto Immune Hepatitis.

Most people do not know the first thing about caring for someone who is at the end of life. It is unfair to expect them to take care of a dying loved one at home without the basic knowledge and surrounded by fear,

When you become a death doula, you will have an important and rewarding career helping people face death with a little less fear and a little more love.

A death doula, also known as an end-of-life doula, is a support person who provides nonjudgmental, non-medical holistic support to those nearing the end of life. A death doula also typically offers support to the friends and family of the dying, or recently dead.

End-of-life doulas may serve… (people like my parents and first daughter , as well as their loved ones. )

  • the elderly (possibly for years before their death is due for arrival)
  • the terminally ill, at any age
  • the grieving, those who have lost or are about to say goodbye to a loved one
  • those facing the loss of a pet or beloved animal
  • those not near death but who want to wrestle with and confront their mortality now
  • those looking to practically plan for their end-of-life care and final burial or funeral, at any age, regardless of health status

End-of-life doulas hope to bring comfort and peace to the very last seconds of every person’s time in this world. Words to describe you may include: brave, gifted, intuitive, and compassionate. You may feel called to do this work. If so register with The Pink Grasshopper today.

A certificate fromThe Pink Grasshopper Full Spectrum Doula Training LLC may give you:

  • Respect as a professional
  • A competitive advantage when marketing your services
  • A sense of achievement and confidence
  • A credential for your resume when applying for jobs
  • Assurance to clients of your professionalism
  • Evidence of your expertise
  • Higher earnings (according to the U.S. Bureau of Labor Statistics in Certificates: A fast track to careers)

With the The Pink Grasshopper Full Spectrum Doula Training LLC, you can earn a certificate online more quickly and affordably than many other educational options.

Who is this course for:

Our program supports frontline clinicians, clinical leaders, educators, home and family caregivers, healing arts professionals, and volunteers. People who have attended are Para and Legal Professionals; Massage Therapists and Healing Arts Practitioners; Physicians, Nurses, PAs, NPs, PTs, Hospice and Palliative Care Professionals; Directors of Nursing Education; Nursing Students; Children and Families facing death or loss of loved ones; Directors, Staff, Activities Directors, Residents of Senior Care Communities; Psychologists, Chaplains, and LSWs. Regardless of background, this program is designed for anyone interested in exploring their own life and death and how to bring their wisdom in service to others facing critical illness and death.

What does it mean to be a certified Holistic Full Spectrum doula?
Certification simply indicates that one has completed the requirements of one particular training program. The doula profession is unregulated. There is no local, regional or federal authority or over-arching regulatory body that oversees doula training and certification programs. Certification is a voluntary process and is not required to practice as an doula. However, certification is valued by many families hiring doulas, and by healthcare organizations making referrals to doulas. The Pink Grasshopper Full Spectrum Doula Training LLC certification process is based on

Payment Policy

Students may register by paying the full $680 program fee online via Zelle, This course is a 3 week,self pace course. Should you make a partial payment, the remaining balance must be paid in full no later than two weeks prior to the start of this offering. If payment is not received by then, you will automatically be dropped from the course the following business day. Refunds will be issued less a $35.00 cancellation fee

Upon completion of the requirements:   1) final exam, a End Of Life Play list for both infant and adult, and 2) an application for certification may be submitted.  both items MUST be handed in at the same time via email to ThePinkGrasshopperFSDTraining@gmail.com. Items will not be excepted separately.  Results and certificate of completion will then be awarded in 10-14 business days.

Refund/Cancellation Policy: We do not offer refunds. It is our expectation that students complete their course with their cohort. If you are unable to complete the course by your cohort’s graduation date you will be given a grace period of three weeks to complete your coursework and earn your certificate.

If you have paid and not yet accessed the coursework, you may consider offering a one-time gift of your enrollment as a scholarship to a student in need.

Sounds good to you? What are you waiting for? Register today. Click here.

Friday Four: It’s Kinda Like An Anti Inflammatory Guide For Parents

Friday Four: Parents, a new school year has began. And so has another strain of COVID. Here’s what I need you to do to power your immune system. Affirmations, Meals, Herbs, and Exercise……. all affordable and easy to access so your may keep your risk factors in check. Consider this the quickest guide you’ve ever read.

As you know a healthy immune function that gets chronically triggered can cause any number of ailments. Like my other Friday post, I’m giving you four things to ponder. After reading the blog post and you need more assistance, feel free to contact me. Many of the items we grow, and /sell.

Four ways to keep a really cute inflammation (acute inflammation – your body fighting invaders) i.e.—> a healthy Immune System-

Herbs for Immunity & Healing – ginger, turmeric, paprika, cayenne, garlic, elderberry – think accumulative effect. Not instant healing. Keep them in your daily diet.

Exercises for Immunity & Healing Meditate, Now to help build your respiratory system- by encouraging better circulation and lung capacity–think aerobic–Blow up a balloon, laugh at something/someone!Check these breathing tips out! , go sit in a sauna, (I like to rub menthol VICs vapor rub on my chest and wear a sweatshirt.) swimming, jogging, dancing (Go on & TikTok it on out& tag me. I need a good laugh and inspiration!)

Food for Immunity & Healing – Cherries, lemons, Kumbucha, (Drink a good lemon -sugar free tea! ), beets, basil, honey, alkaline water, red cabbage, onions, pistachio, oranges, chili , sprouts, – just to name a few.

Affirmations for Immunity & Healing – Okay, now, I’m gonna share with you words of power that I have found that works for me. Give them a try. Repeat After Me: A.*”I deserve to live a healthy life!” B.*”My health is an investment, not an expense.” C.”I release any stress in my body- RIGHT now! It serves me in no way.” D. “I claim great health, a peaceful mind, and a good quality of life right now.”

The appeal of safe, natural treatments is undeniable. It’s true for age-old conditions such as the common cold, and for new diseases, especially if they have no known cure. So it makes sense that there would be a lot of interest in supplements for COVID-19, whether as prevention or treatment.

BONUS: Zinc, melatonin, vitamin C, vitamin D,

Fire Cider Recipe: Keep This In Your Fridge!!!! It’s MAGICAL. It works because the vinegar infusion encourages the herbs to release healthy minerals and beneficial compounds.

What is Fire Cider?

It’s a spicy, elixir that’s made by infusing apple cider vinegar with powerful antioxidant, immune-supporting, lymph moving, circulation stimulating, and digestion enhancing fresh herbs.  Here’s how to make it! 🙂

Ginger root (Zingiber officinale)

Once very expensive but now widely available and affordable, ginger root has been used in Chinese medicine for thousands of years to soothe tummy complaints such as nausea, morning sickness, gas, and indigestion.

Also according to Penn State Medical Center, it has also history of use in helping to ease “the common cold, flu-like symptoms, headaches, and painful menstrual periods.”

Horseradish root (Armoracia rusticana) 

Rich in folate and a compound called sinigrin, studies have found that horseradish helps the body break up congestion and calms inflammation.

Turmeric root (Curcuma longa)

The main constituent in turmeric root, curcumin, has been shown to exhibit “antioxidant, anti-inflammatory, antiviral, antibacterial, antifungal” and other properties.

Onion (Allium cepa)

Loaded with antioxidants like vitamin C and quercetin plus minerals like potassium and sulfur, onions are amazing for supporting digestive health and immune function.

Garlic (Allium sativum)

According to many studies ( including my own)The benefits of garlic to health have been proclaimed for centuries;I put that root on EVERYTHING!

In other words, modern research is beginning to validate garlic’s use as a folk remedy for immune support. Specifically, the study found that garlic supported balanced immune and inflammatory processes

Jalapeno (Capsicum annuum)

Hot peppers such as jalapeno (or Carolina Reaper if you’re feeling brave) are rich in capsaicin, which assists the body in managing inflammation.

Lemon (Citrus limon)

Lemons are rich in vitamin C, which supports immune function. This recipe also incorporates the rind, which draws out a compound called limonene that has mood lifting, digestion supporting, and immune system benefits. 

If you’re not using organic lemons, leave the rind off! Conventional lemons may have absorbed pesticide residue that can’t be washed off.

Optional Ingredient: Black Peppercorns (Piper nigrum)

Rich in antioxidants such as piperine, black pepper increases the absorption of other nutrients and help the body manage inflammation. They may also play a role in brain health.

Optional Ingredient: Rosemary or Thyme (Rosmarinus officinalis or Thymus vulgaris)

Both of these herbs have long been used in folk remedies to support healthy respiratory and immune function.

BONUS 2: Others Healing Remedies Click Here! Want to try CBD? Buy it from me- Click here!

Nature has provided us numerous herbs and things which are sufficient to keep us well and free from ailments. To Your Complete Healing: love Mother Nature,

Mrs. Hemp Farmer,

Kelle

KP Tax Service is IRS CERTIFIED!

I CERTIFIED as a Tax Expert with the IRS folks!!!!! After completing so many bootleg returns over the last two decades, I have gone legit! I’ve also brought my older kids on board as well! So wait no longer- bring them tax forms on over! The timing is perfect!

You’ve probably seen it all over the news that Congress just approved a new $1.9 Trillion (yes, that’s with a “T”!) COVID-19 stimulus package. But the biggest question is what exactly is in this new relief package and how is it different from the ones passed in 2020? And more importantly, how can this provide additional relief and assistance to small businesses in the wedding industry?

While we are still waiting on full details of the new stimulus package to be released, here are some of the key items for so many folks need to be aware of:

KP Tax Service (980) 247- 2072 WWW.KPTax.Webs.Com


Help for Businesses

  • Restaurants: Restaurants get some much needed relief in the new law, which establishes a $28.6 billion “revitalization fund” for them. The Small Business Administration (SBA) will provide grants of up to $5 million each to reimburse restaurants for revenue lost due to COVID-19. Stay tuned and check the SBA and Treasury websites as more details are released about the application program and eligibility for these grants.
  • Live Venues: The new stimulus package also provides $1.25 billion earmarked for grants to certain live event venues (like theatres, live performing arts organizations, and museums). This adds on to the higher amount allocated in the December 2020 relief package, which still hasn’t opened applications yet. Like the restaurant relief, details on how to apply for these grants will likely be released by the SBA in the coming weeks.
  • Additional PPP Funds: Adds $7.25 billion to be used for the Paycheck Protection Program (PPP), though it does not extend the program past the existing end date of March 31, 2021. If you think you want to apply for the PPP before that date, contact your lender ASAP to learn how to apply. If you already took out a PPP loan, don’t forget that you will need to provide documentation to apply to have it forgiven.
  • Forgivable Economic Injury & Disaster Loans (EIDL) for Low-Income Communities: The new law also adds an additional $15 billion in EIDL funding to be distributed in forgivable $10,000 grants, specifically targeted to communities in certain income brackets. Visit the SBA website for more information on how to apply.

Help for Individuals and Families

  • New, Bigger Stimulus Checks: The new stimulus package includes up to $1,400 direct payments to people making under $80,000 individually (or $160,000 as a married couple). Above $75,000 individual income (or $150,000 for married couples), that amount decreases gradually. Those with dependent children will also get up to another $1,400 per child.
  • Extended Unemployment Benefits: State unemployment benefit checks will keep being $300 per week more than usual until September, a measure that was first introduced in the December stimulus package. The new law also waives federal income taxes on the first $10,200 in unemployment benefits received in 2020 by individuals who made under $150,000/year.
  • Significant Tax Relief for Certain Households: The law includes some major tax relief provisions for families up to certain income levels, including:
    • Higher Child Tax Credits: This stimulus package will temporarily increase the existing child tax credit. Right now, eligible people with children under 17 get up to a $2,000 credit per child when they file their federal income taxes. For 2021, they’ll get as much as $3,600 for children under 6, and $3,000 for children 6 to 17. This added amount phases out above $75,000 individual income ($150,000 for married couples). 
    • Direct Payments of Child Tax Credits: Not only is the child tax credit higher, you now also won’t need to wait until you file your taxes to get the money. Beginning in the second half of 2021, the IRS will advance this credit through direct payments to eligible people in installments.
    • Other Tax Relief: The stimulus package also increases the child and dependent care tax credit and the earned-income tax credit for workers without children for 2021. If eligible, these credits get paid out to you when you file your taxes.

We recommend you consult with your tax advisor (<— I’m free 🙂 ) to see how these tax relief measures could help you and your family.

  • Healthcare Relief for Unemployed: For those who’ve lost their jobs during the pandemic and were eligible to apply for the federal health insurance program COBRA, the federal government will fully cover COBRA premiums until September 2021.This helps people pay for much needed healthcare coverage during this time.

Information on COVID-19 relief measures is changing rapidly, and full details of the new law are still being released. Check the U.S. Treasury and SBA websites, and with your legal, financial and tax advisors regularly for the most up-to-date information.

Friday Four: Tax Expert Offers Advice To Moms. Here’s Where The Money Reside!

True happiness involves the full use of one’s power and talents. After almost two decades of doing taxes under the table, I’ve been de-liv-ered! I just certified with the IRS as a Tax Expert and have landed a contract with Intuit! It’s one of the top tax preparation service providers in the the nation! With that being said, I’m here for you! I want to file your taxes and get you the biggest refund possible. Now if you’re wondering if I know anything, well here’s just a snippet of how I look out for moms.

If you noticed the cupcake in the slide show, just know that India love me! It has beets, and turtles in there! And it was delicious!

Filing Tips For Single Moms:

  1. File as Head Of Household. It the best bang for your return. It gives you a lower tax rate.
  2. File your dependents. Don’t let anyone trick you into using their number for a fraction of the credit. (But that’s not my business.}
  3. Claim Everything! Specifically the Dependent care and Dependent Exception.
  4. Make sure you claim the Child Tax Credit!

Did you hear about President Biden’s proposed COVID-19 stimulus relief package?

Bonus

A. Deduct Child Care Expenses! .Some parents in my local learning pod are capturing big money by filing child care expenses to recoup the money they pay me for hosting their students through out the week.

B. Hire your 8 year old! Mamas, they can sweep your office floor. Just hire and pay them. You don’t have to give them the money, Use it for their college fund or buy a new mini van to cart them around town. (That’s what I did.)

C. Child Support……… maybe taxable. (( So pour more into your 401k))

Child support is not taxable income. And if a parent paid child support, those payments are not considered deductible.

Alimony, on the other hand, counts as income. The spouse accepting alimony must report all the payments as income when completing tax filing. He can, however, increase his employer tax withholding to avoid a surprise tax bill at the end of the year. The ex-spouse paying the alimony may claim a tax deduction.

D. The American Opportunity Tax Credit and the Lifetime Learning Credit help defray the cost of post-secondary education, Kornblatt said. Qualifying single parents who are paying for college or other post-secondary education for their children might be able to claim these credits. The American Opportunity Tax Credit offers a maximum annual credit of $2,500 per student; the Lifetime Learning Credit offers a refund of up to $2,000 per tax return.

In addition to other rules specific to each credit, three basic criteria must be met in order to qualify for these education credits:

  1. The parent, the dependent or a third party must pay qualified education expenses for higher education.
  2. An eligible student must be enrolled at an eligible educational institution.
  3. The eligible student must be a dependent listed on the filer’s tax return.

A couple of options are available as tax breaks for parents saving for their children’s futures. “A single parent planning to pay for college in the future can start saving now using an education savings account or 529 plan — both provide tax-related advantages,” Kornblatt said.

Qualified tuition plans — also known as 529 plans — vary from state to state, but the main tax advantage is the same: The earnings are exempt from federal tax when used for qualified education expenses of the designated beneficiary. And generally, this exemption applies to state tax as well. Tuition, fees, books, room and board all fall under the category of qualified expenses. But contributions to a 529 plan are not tax-deductible.

The Coverdell education savings account can be used to pay qualified expenses for elementary, secondary and higher education. Contributions to a Coverdell savings account are not considered deductible, but amounts deposited in the account grow tax-free.

E. Determine Your Eligibility for the Earned Income Tax Credit

Some single custodial parents qualify for the earned income tax credit. Those with earned income below certain levels who file as single or as head of household can earn credits ranging from $3,400 for one qualifying child to $6,318 for three or more qualifying children.

F. Deduct Adoption Expenses

A parent who adopts a child can claim an adoption credit for the fees, legal costs and travel expenses associated with a legal adoption. In addition, adoptive parents don’t have to pay tax on income they get from adoption assistance provided by their employers.

When taking on taxes as a single parent, the complex IRS rules can be confusing, but you deserve to maximize your savings and possibly get some money back. Take advantage of these tips to help you, but seek the advice of a tax professional if you need it. I’m here sis’!

So yeah, I’ll be working off two different pc’s my desk looks funny to my babies. lol

Wednesday Wow: BHM- Homeschooling in 2021

This February is gonna be different. Black History Month is only twenty- eight days, so I intend on making the most of it for my home-schooled children and our learning pod students. We will be intentional about celebrating our culture – EVERY single day with workshops, conversations, and ole school, low- technology research! Feel free to join us as we discover and share our current challenges as a large African American family here in the south, and honor how our ancestors overcame many of then with their inner strength, spiritual guidance, creative will power, and communal efforts.

All of our live engagement will be on QC Supermom Facebook and Instagram pages. So if you are not following now, be sure to hit the like and follow button on them right now—> FB and here’s IG

PARENTS of black children, it’s time to teach a new way! It is our responsibility to help them work through our history so it won’t haunt them within their future. As they gain knowledge and age, they will begin to challenge the system and want to play a role in deconstructing institutional barriers. This year,we must teach our children a more full circle view of black history. Otherwise, we will fail them! We are NOTHING without our ancestors. Nothing without access to our history. We are more than slaves, ballers, and drug dealers.  African Americans are not to be feared, shunned or avoided. Black excellence is not confined to athletics and entertainment. I am so thankful for my parents for ensuring that we not only learned our family history, but also understood the challenges of people that looked the most like us. We got the painfully truth, blissful success and everything in between. From them, I have learned that when children are taught black history in their homes, and how we have contributed positively to society, education,science, art, law and medicine, it gives them an appreciation for themselves.

Lack of cultural appreciation leads to xenophobia both in the United States and around the world.

Click Here To Listen
in. It’s really good and loaded with culturally rich information.

Traveling Seeds —

Africans brought over many seeds- A few of out favorite ones are–> Watermelon Black-eye Peas, Okra, Coffee and the West African Yam

African Traditional Kids Games-

Here’s one I found online. I called my friend in Kumasi to learn more. He says that children still play theses games today.!

Pronounced “Mboo-bay Mboo-bay,” this game uses a Zulu word for lion. The Zulu tribe is based in what is modern-day South Africa. The game is good for groups of six or more.

In this game, children help a lion, or mbube, locate and capture an impala (a deer-like animal with antlers). Players begin the game standing in a circle and two blindfolded players start the game. One player is the lion and the other one is the impala.

First, both players are spun around. Next, players in the circle begin calling out to the lion, “mbube, mbube!” As the impala gets closer to the lion, the circle players’ chants get quicker and louder. Conversely, if the lion is far away, the circle’s chants decrease and get softer.

If the lion fails to catch the impala in a minute, a new lion is chosen, and if the lion catches the impala, a new impala is chosen.

Ngunui/ Intonga -> This is a stick fighting game. It is quite violent but considered as part of South Africa’s culture. You might be a part of this sport by just viewing from the sidelines as it has rules that you might not be aware of. It is a game that helps young men develop endurance and learning to defend without “weapons of war”. It was a traditional way of settling disputes or for deciphering the stronger man amongst herdsmen.

It is a game of two, usually played by young men. Both players hold on to two sticks each, one for attack and the other for defense. A helmet or a rugby scrum cap is worn to protect the head. Strikes to the head, neck, knees, and ankles attract points while areas behind the ears and the groin when attacked are considered foal. It is advisable that you simply watch the sport as it is played so you don’t earn yourself bad injuries.

We Are Some Soulful, Beautiful, Naturally good people! This video of kids playing just warmed my soul! Watch it here.

African Medicine:

I want my kids to be able to stay healthy after leaving our home. For this I want to infuse their brains in herbal remidies that they can easily reclaim as needed. Herbs and roots like garlic, and onions were documented as being used 4,500 years before present. Humans used spices to help preserve foods before refrigeration. Both were also used in religious ceremonies too.

This month they will learn how to use herbs, roots, and other parts of a plant, etc … to heal by creating: infusions, oils, poultices and lotions.

Note: To prejudice mothers-> “Inclusion and Respect are both Learned in the home.”

Our History. Our Story

Ok, this one will require our children to annoy us a little more, but it’s ok. They will be asking us questions about our parents, our siblings, our childhood, our education, our favorite ancestors, our dreams, our relationship with God, food, nature, our struggles- our story. After all who better to tell them who they are give them a sense of self? —— RIGHT!!! Their parents!!! Then we’ll put it all in a book for them to keep as heirlooms.