October 2015 Update

Written by Jack Lieberman. Posted in What Our Members Have to Say

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liebermanYear-End Tax Planning & Shared Equity Financing Arrangements

Time to Start Year-End Tax Planning

The federal income tax rates for 2015 are the same as last year: 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%. However, the rate bracket beginning and ending points are increased slightly to account for inflation. For 2015, the maximum 39.6% bracket affects singles with taxable income above $413,200, married joint-filing couples with income above $464,850, heads of households with income above $439,000, and married individuals who file separate returns with income above $232,425. Higher-income individuals can also get hit by the 0.9% additional Medicare tax on wages and self-employment income and the 3.8% net investment income tax (NIIT), which can both result in a higher-than-advertised marginal federal income tax rate for 2015.

September 2015 Update

Written by Jack Lieberman. Posted in What Our Members Have to Say

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liebermanPlanning for the 3.8% Net Investment Income Tax & Same-Sex Marriages

Planning to Avoid or Minimize the 3.8% Net Investment Income Tax

The net investment income tax, or NIIT, is a 3.8% surtax on investment income collected from higher-income individuals. It first took effect in 2013. After filing your 2014 return, you may have been hit with this extra tax for two years, and you may now be ready to get proactive by taking some steps to stop, or at least slow, the bleeding for this year and beyond.

NIIT Basics. The NIIT can affect higher-income individuals who have investment income. While the NIIT mainly hits folks who consistently have high income, it can also strike anyone who has a big one-time shot of income or gain this year or any other year. For example, if you sell some company stock for a big gain, get a big bonus, or even sell a home for a big profit, you could be a victim. The types of income and gain (net of related deductions) included in the definition of net investment income and, therefore, exposed to the NIIT, include—

FREE Discount Prescription Drug Card Available

Written by United Way of Greater Union County. Posted in What Our Members Have to Say

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Improving the Quality of Life and Saving Families Money with FamilyWize

By James W. Horne, Jr.

President/CEO, United Way, Greater Union County

The implementation of the Affordable Care Act has allowed more people to have access to healthcare although, sadly, there is a great number who are still uninsured. These are moderate to low-income working-class people who cannot afford their prescription medication, either because they have no insurance or their medication is not covered under their insurance.

Top 9.5 Rules For Achieving Positive and Profitable Networking Results

Written by Sharon Patel. Posted in What Our Members Have to Say

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Most people take networking for granted, and think of it more as a place to meet friends and clients rather than capture an opportunity. They also fail to realize that people, whether you know them or not, are cultivating an impression of you – not just about what you look like, but also based on how you act and how you dress.

Your physical presence, your physiology, and your communication prowess can determine whether the outcome is business or no business.


These are my top 9.5 rules for achieving positive and profitable networking results:

Eating For A Healthy Gut

Written by Laura L. Rokosz. Posted in What Our Members Have to Say

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egglrock blog photo What's Eating You?

by: Laura L. Rokosz, PhD

Your Microbiome: Your Microbiome serves as the perfect host for all of the microbes (aka probiotics) that live in and on your body. Did you know that you harbor ten times more microbial matter than all of your human cells combined? As frightening as this may sound your microbiome serves a very important purpose. It enables digestion, supports your immune system and protects you from unwanted invaders. A breakdown of your microbiome will lead to a host of inflammatory diseases. Take good care of your microbiome and it will take good care of you.

August 2015 Update - Updating Beneficiary Designations

Written by Jack Lieberman. Posted in What Our Members Have to Say

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liebermanAugust 2015 Update - Updating Beneficiary Designations & Benefits of Health Savings Accounts (HSA)
The importance of updating beneficiary designations

Most of us have more than enough to do. We're on the go from early in the morning until well into the evening — six or seven days a week. Thus, it's no surprise that we may let some important things slide. We know we need to get to them, but it seems like they can just as easily wait until tomorrow, the next day, or whenever.

I Can’t STAND Spam Email! What Can I Do?

Written by Hayley O'Connor. Posted in What Our Members Have to Say

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Hayley logo

I find it interesting how much spam emails tend to anger people, myself included! There was a period of time where I was getting at least 6 spam emails per day saying "NOTICE TO APPEAR" with a zip file attachment. I literally found myself aggressively clicking the delete button every single time one of these messages infiltrated my inbox.

Then it occurred to me- I don't get frustrated in such a way when I get ads or junk mail in my snail mail box, and if anything, that's when I should because paper is being wasted, I have to physically throw it away and sometimes even shred it to protect my personal info. At least with spam, I can simply delete the junk with the click of a button and move on with my life.

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