We all know we live in a complex society and accelerated, which makes it hard to stop and find time to truly connect with our feelings and our needs.
Thus we lose touch with our most sensitive and away from our true essence and the natural functioning of life. Forgetting many times the magic of existence, the ability to surprise at the wonder of life and engender a responsibility that entails. No promotes physical and emotional preparation for when receiving a child, may be aware of our needs and concerns and brewing a space that allows us to identify our own internal resources, so that in this way, we can better cope with this experience so especially a child.
The stage of pregnancy and the postpartum period will be colored by how we have lived through these stages as primary and as we have developed to date, as have been our parents, our first links with them, their presences and absences, etc. We need to do, be honest with ourselves and see what our availability for this task is so demanding that maternity especially in the early stages, which is our personal situation, economic and emotional.
It is important to be aware that the baby is an extremely dependent and requires a close and almost constant contact with his mother, especially in the first months of life is affected when the separation is sharp and produces a prolonged absence. Here of course a number of elements to discriminate. As we will depend on each particular situation and working hours, also on the ability of the mother delivered the baby full contact with her after work, because no matter only time that we dedicate the baby in the form quantitatively but qualitatively.
The labor issue is something that anxiety quite as women maternity leave is over, as both suffer separation and often do not see the baby who will care course should fulfill this function of the most loving way possible. Integrate both aspects and costs involved in moving from a state deeply emotional and intuitive, intimate sound to another, namely that is the implication of work in general before we really feel ready to return to our activities which generate conflict. Returning to work is usually seen as a social imposition when in fact the desire of the mother would stay with your baby. We also know that the return to work generally involves some stress that sometimes results in the emotional state of the mother and often affect breastfeeding.
Tax Tips for the One Man (Woman) Business
Running a one-person business? Tired of the huge hit you take at tax time? Want to save money on your accounting and taxes? Consider these simple tips and tricks...
Tip 1: Use an accounting system
Oh sure. This sounds obvious. But unless you have a decent way to track both your income and your deductions, you not only won't know how much money you're making until tax time, you'll also miss or forget about tax deductions.
Something like Quicken or Microsoft Money will work just fine. If you need more bookkeeping horsepower than these checkbook programs provide, look at stepping up to QuickBooks or Microsoft Small Business Accounting.
Tip 2: Don't Incorporate
New business owners often rush to incorporate. But incorporation rarely makes sense for small businesses. And incorporation totally complicates your taxes and accounting.
What's a new business owner to do? Form a limited liability company instead. A limited liability company, or LLC, gives you all the same liability protection. But without the tax complexity of a corporation.
An LLC with just one owner, for example, gets treated for income tax purposes as a sole proprietorship. Which means to report your business activity to the IRS or state revenue folks, all you do is file a simple, one- or two-page schedule with your regular individual tax return.
Tip: Consider hiring your kids
If you have minor children and they help you out in your business-doing real work-consider hiring them. As long as they earn less than $5,000, they won't pay any income taxes on their wages nor any payroll taxes. Yet, you'll still get to write-off the amounts you pay them as business expenses. (This might be a neat way to save for a kid's college expenses.)
Tip 4: Consider hiring your spouse
While medical insurance is a deduction for income-tax purposes for sole proprietors, you can save far more in taxes by hiring your spouse and then setting up what's called a Section 105(b) plan. Such a plan lets you treat all of your family's medical expenses (insurance, out of pocket, deductibles and so on) deductions for both income tax purposes and self-employment tax purposes.
If you are interested in this, confer with a local tax practitioner. Section 105(b) plans can be a little tricky to understand if you haven't used them before.
Tip 5: Take the home office deduction
Hey, if you regularly and exclusively use some portion of your home for your business, go ahead and take the home office deduction.
Don't worry about this deduction being an audit flag. Or a hassle. The deduction is meant for people like you.
Tip 6: Set up a pension plan
If you want to save more than a regular IRA allows, set up a pension plan for your business. You can easily set up something like a SEP-IRA which will allow you to contribute up to twenty of your profit to a tax deferred account.
Example: If you make $50,000, you could use a SEP-IRA to contribute $10,000 to your pension account. And there are other good low-cost options available, too, such as SIMPLE-IRAs and one-person 401(k) plans.
Tip 1: Use an accounting system
Oh sure. This sounds obvious. But unless you have a decent way to track both your income and your deductions, you not only won't know how much money you're making until tax time, you'll also miss or forget about tax deductions.
Something like Quicken or Microsoft Money will work just fine. If you need more bookkeeping horsepower than these checkbook programs provide, look at stepping up to QuickBooks or Microsoft Small Business Accounting.
Tip 2: Don't Incorporate
New business owners often rush to incorporate. But incorporation rarely makes sense for small businesses. And incorporation totally complicates your taxes and accounting.
What's a new business owner to do? Form a limited liability company instead. A limited liability company, or LLC, gives you all the same liability protection. But without the tax complexity of a corporation.
An LLC with just one owner, for example, gets treated for income tax purposes as a sole proprietorship. Which means to report your business activity to the IRS or state revenue folks, all you do is file a simple, one- or two-page schedule with your regular individual tax return.
Tip: Consider hiring your kids
If you have minor children and they help you out in your business-doing real work-consider hiring them. As long as they earn less than $5,000, they won't pay any income taxes on their wages nor any payroll taxes. Yet, you'll still get to write-off the amounts you pay them as business expenses. (This might be a neat way to save for a kid's college expenses.)
Tip 4: Consider hiring your spouse
While medical insurance is a deduction for income-tax purposes for sole proprietors, you can save far more in taxes by hiring your spouse and then setting up what's called a Section 105(b) plan. Such a plan lets you treat all of your family's medical expenses (insurance, out of pocket, deductibles and so on) deductions for both income tax purposes and self-employment tax purposes.
If you are interested in this, confer with a local tax practitioner. Section 105(b) plans can be a little tricky to understand if you haven't used them before.
Tip 5: Take the home office deduction
Hey, if you regularly and exclusively use some portion of your home for your business, go ahead and take the home office deduction.
Don't worry about this deduction being an audit flag. Or a hassle. The deduction is meant for people like you.
Tip 6: Set up a pension plan
If you want to save more than a regular IRA allows, set up a pension plan for your business. You can easily set up something like a SEP-IRA which will allow you to contribute up to twenty of your profit to a tax deferred account.
Example: If you make $50,000, you could use a SEP-IRA to contribute $10,000 to your pension account. And there are other good low-cost options available, too, such as SIMPLE-IRAs and one-person 401(k) plans.
What is a Problem? A Guide to Decision Making For the Woman Business Leader
Remember that famous line "Houston, we have a problem?"
This was the tagline used in the movie about the Apollo 13 space flight. It's a take off on the actually line said by the real Apollo crew.
Pilot Lovell actually said: "Houston, we've had a problem. We've had a main B bus undervolt." The point is that the problem was actually identified in the statement, which meant the ground crew could get to work on isolating the problem and making a decision about what to do.
As a woman in business leadership, you will needto understand how to identify a problem. Problems form the basis for good decision making. and making a decision starts with the recognition of a problem.
So what is a problem?
A problem presents a situation, issue or condition that will exist in the future, and that is considered undesirable. It might seem easy to find a problem. But a difficulty some business women have is to define a problem by its solution. For example, someone might say, "The problem is that we don't have enough staff working on the project to complete it in time."
The problem however, is not that you don't have enough staff. The problem is that the project is behind schedule and not moving along according to the initial projections. Getting more staff MIGHT be a solution, but until you identify the problem you don't know that.
So first, identify the actual problem. When you provide a solution as a problem, it takes away the ability to make a good decision. How do you know that more staff is needed? If the project is not getting done according to schedule, how do you know it's not because of something else, like a lack of needed resources, or a gap in the knowledge base of those carrying out the task? Perhaps the time schedule was unrealistic and everything is actually on time?
If you go out and hire more staff before identifying the actual problem you will only make the problem worse, not better. So in this example, a better statement would be: The problem is that the project is not moving according to the projected schedule." Now, you have the opportunity to explore various reasons why the project is behind schedule and to use more decision making steps to figure out a solution.
So first, practice identifying the actual problem. If you are having trouble reaching a decision about an undesirable situation, review how you are making a statement of the problem and be sure you are not suggesting a solution right up front.
This was the tagline used in the movie about the Apollo 13 space flight. It's a take off on the actually line said by the real Apollo crew.
Pilot Lovell actually said: "Houston, we've had a problem. We've had a main B bus undervolt." The point is that the problem was actually identified in the statement, which meant the ground crew could get to work on isolating the problem and making a decision about what to do.
As a woman in business leadership, you will needto understand how to identify a problem. Problems form the basis for good decision making. and making a decision starts with the recognition of a problem.
So what is a problem?
A problem presents a situation, issue or condition that will exist in the future, and that is considered undesirable. It might seem easy to find a problem. But a difficulty some business women have is to define a problem by its solution. For example, someone might say, "The problem is that we don't have enough staff working on the project to complete it in time."
The problem however, is not that you don't have enough staff. The problem is that the project is behind schedule and not moving along according to the initial projections. Getting more staff MIGHT be a solution, but until you identify the problem you don't know that.
So first, identify the actual problem. When you provide a solution as a problem, it takes away the ability to make a good decision. How do you know that more staff is needed? If the project is not getting done according to schedule, how do you know it's not because of something else, like a lack of needed resources, or a gap in the knowledge base of those carrying out the task? Perhaps the time schedule was unrealistic and everything is actually on time?
If you go out and hire more staff before identifying the actual problem you will only make the problem worse, not better. So in this example, a better statement would be: The problem is that the project is not moving according to the projected schedule." Now, you have the opportunity to explore various reasons why the project is behind schedule and to use more decision making steps to figure out a solution.
So first, practice identifying the actual problem. If you are having trouble reaching a decision about an undesirable situation, review how you are making a statement of the problem and be sure you are not suggesting a solution right up front.
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