Understand Taxes in 10 Minutes

Understand Taxes in 10 Minutes!

Understand Taxes in 10 MinutesPeople speak of calculating their taxes like it's some sort complex algorithm, only understood by the great financial sages of our time.  Others believe that no one really knows what you should be paying, that it's all just random and all you can do is hope you get it close enough to avoid a tax audit!  Maybe this misconception is caused from the misinformed belief that money matters are difficult, private, and shouldn't be discussed (let alone understood!), but these beliefs are dumbfounding to someone who knows the rules and just how simple they really are!  The real truth is that, for most people, determining your personal taxes is so easy that anyone with a middle school education can do it!

Knowing how simple it really is, I'm always baffled when I talk to intelligent, active thinkers who view taxes as a mystery because that's all they've been told.  So today I'd like to take the mystery out of it!  I'll break down the concepts surrounding taxes as simply as possible so that you can understand taxes in 10 minutes and then be able to calculate your own taxes so that you can be confident that you're paying the right amount AND so that you can plan appropriately for tax years to come!Continue reading

fallacy of minimum wage - child

The Fallacy of Minimum Wage

fallacy of minimum wage - childBefore beginning I'd like to apologize in advance.  Today's intent isn't to leave you feeling bad for realizing what your server has to go through when you make their job difficult.  Nor is it to open your mind to sympathize for those who might have it more difficult than you.  My goal isn't even to encourage you to ask you boss for that raise, either.  I apologize - this isn't the socially uplifting piece you might want or expect.  This is a blunt and straight-to-the-point article about the logistics and fallacies surrounding a minimum wage job and why the minimum wage should not be raised with the hope to shake the foundation of those living "Just Because" lifestyles and inspire a shift in mentality regarding minimum wage 'careers'.  Despite my underlying purpose of education and my best intentions, I know this article will still offend.  I realize that.  It's a touchy subject and those struggling to survive on minimum wage jobs might feel like is an attack on them.  I assure you this is not my intent.  My intent is to encourage self-growth and the pursuit of something greater.  But before getting offended, please think about my argument and consider the points I raise.  I'll do my best to present them in a fair light.Continue reading

February Update 2016 - Almond Flowers

Phi's February 2016 Update

Phi's February 2016 Update - Almond FlowersIt's monthly review time and I'd like to start by saying that this has been the most successful, slam-packed, crazy month I've ever lived!  I knew that for the first half of the month getting things together for the new house would be a time-sink and money-sink, but going into that expectation I was under the impression that the second half would let up on me.  Boy, was I wrong!Continue reading

Don't Ever Stop Growing - Tree

Education Doesn't Have to Die with School - Don't Ever Stop Growing

Originally Posted On February 25, 2016

Don't Ever Stop Growing - TreeHas anyone watched the YouTube video Huge Quest!?  The comedic story depicts someone who wants to get big so he keeps traveling around the world, eating everything in his way, growing, and continuing his path of HUGE!  Eventually, he's on a universal level and he consumes everything.  Because I love relating one thing to something completely unrelated this, of course, is a perfect comparison to the pursuit of knowledge - a quest that can continue until the end of the road!

But we aren't cartoons and we can never reach the endpoint of understanding.  Meaning that we can't reach the end - the quest of education only ends in a triumphant death looking over the accomplishments of a triumphant life!Continue reading