Carbonite-Cheap Insurance

       How are you protecting the information on your computer?  If your computer crashed tomorrow would you lose all your family pictures and memories?  Would that crash take down all your financial data and history?

       There is a very easy to use, inexpensive solution for protecting your data.  Carbonite.  I have been using it for a few years and have had to activate it on several occasions.  Fortunately, only one crash, but some information got sent to the trash bin by mistake.  All I had to do was activate my Carbonite and I got all my stuff back.

       One of the best features is that it runs seamlessly in the background.  I don’t have to do a thing!  Within a few minutes of creating anything my project is backed up.  I don’t have to remember to back up my files, or chance losing files that have been created since the last backup.

       I highly recommend Carbonite.  For about $50.00 per year, it is cheap insurance against losing important files from your computer.

Tax Time

          It is now time to gather your receipts and accounts; the dreaded tax time. Have you already spent the big return that you think you will be getting? Or maybe you are scrambling to pay an anticipated bill. This could be the last year that you will have to live this nightmare. With just a little bit of adjusting you could owe nothing and get nothing. Coming out even is the goal.
         Contact your boss or HR manager to change your W4 form Adjust the number deductions so that the right amount of taxes are withheld; not too much and not too little. There are two benefits to following this system; you will not have to deal with the stress of tax time, and you are likely to increase your take-home pay.
           Check you return carefully. There are often deductions people miss because they are so weird. Believe it or not you can deduct the cost of a babysitter as a charitable deduction if you are leaving the house to do charitable/volunteer work. Unusual deductions like this are lurking everywhere and you are initiated to use any you can find.
         We have used Turbo Tax for a number of years and find that it is very good a t finding the hidden deductions. If you have kept your records in Quicken it will even enter most of your information for you, and remember it for subsequent years. This is an easy fix, but whatever system you choose be aware that you have lots of choices. The aim of the game is to come out even., and the ideal from a sound financial point of view.
        

What now...

The question is---how do you get back “up on the horse” after a week or more of major crises in your life? I’ve just had one of those weeks that none of us needs or deserves. In one week I had to face my mother’s death, major court mediation, and a car accident that came close to totaling my car (fortunately, nobody was hurt). These are all life changing experiences, but handled one at a time they can be easily endured. When they all happen in one week, they can each be monumental and difficult to handle. Your normal life definitely gets put on hold.

I have always believed that adversity is an opportunity to learn something of importance, whether it be how to address a problem or how not to do something. The most challenged, unsuccessful person in the world can be a great teacher of how not to confront a problem. This awareness can easily be spun into a positive lesson.
What am I supposed to be learning from last week, besides patience? As I look around on Monday morning trying to assess what this week might hold I realize that I have basically been in hiding. My mail has piled up, my house is a mess, the laundry is taking over and I don’t know where to start to dig out.

A friend has just suggested the standard advice, get up, dress up and show up. This just means putting on a happy face and moving forward. Another bit of advice that comes to mind is “fake it ‘til you make it.” This may be all I can do for now. It will probably take some time for me to really get back on track. I do know that forward momentum breeds forward momentum. Just because I’m overwhelmed now doesn’t mean that I will always be that way. Time will lead me out of this chaos and back on the path to serenity.