Wednesday, September 19, 2018

Boost Your Retirement By Moving To A Low Tax State

When you no longer need to live near your job, a world of possibilities opens up. Relocating can sometimes save you money if you can find more affordable housing and lower your tax bill. Residing near friends and your children and grandchildren can also play a role in your retirement happiness.

Retirees can help their savings last longer by moving to a state with lower taxes. Currently, 13 states do not tax Social Security or pension income. They may however have very different property and sales tax rates, which also should be taken into consideration.

13 States Without Pension or Social Security Taxes


Alabama does not tax Social Security benefits or traditional pension payments. Property owners in Alabama paid a median of just $556 in real estate taxes in 2015. The state sales tax rate is also relatively low @ 4%, but there may be additional local sales taxes in some areas of the state. 


Property taxes can be high in Alaska. Homeowners paid a median of $2,979 for real estate taxes in 2015. However, Alaska is the only state with no state income tax and no state sales tax.


Florida has a state sales tax of 6 percent. Year-round warm weather isn’t the only perk of retirement in Florida. The state doesn’t levy an income tax. Real estate taxes were a median of $1,733 across the state in 2015.


In Illinois real estate taxes are high, costing homeowners a median of $4,101 in 2015. Shoppers also pay a 6.25 percent sales tax on many purchases. However, the state of Illinois allows retiree residents to subtract their Social Security income from their adjusted gross income. Income from federally qualified pension plans and IRAs are also generally exempt from state tax.


Mississippi has a relatively high state sales tax rate of 7 percent. Median real estate taxes were just $877 in 2015. However, pension and annuity payments and income from Keogh plans and IRAs are generally exempt from state tax in Mississippi, and income from Social Security is also not subject to taxation.


State sales tax in Nevada is at a rate of 6.85 percent. The casinos and nightlife could be what draws you to Nevada, but you might stay for the low tax rates. Nevada doesn’t have a state income tax. The median real estate tax bill was $1,529 in 2015. 

New Hampshire

Property taxes in New Hampshire are among the highest in the country. Homeowners paid a median of $5,349 for real estate taxes in 2015. However, there is no state sales tax. The only forms of Income New Hampshire taxes, dividends and interest. 


Distributions from 401`(k)s and similar types of workplace retirement accounts and IRA withdrawals taken after age 59 ½ are also generally exempt from state income tax. Social security benefits are not included in taxable income in the state of Pennsylvania. But retirees will have to pay a 6 percent sales tax on their purchases. The median property tax bill was $2,671 in 2015.

South Dakota

Property owners in South Dakota paid a median of $2, 025 for real estate taxes. There’s also a state sales tax of 4.5 percent. South Dakota is also another state that doesn’t have an income tax.


Tennessee has a 7 percent sales tax. Homeowners also paid a median of $1,099 in real estate taxes. However, dividends and interest are the only forms of income that are taxable in Tennesse, and taxpayers age 65 or older with low incomes are exempt.


There is no state income tax in Texas, but the state raises revenue in other ways. There’s a 6.25 percent sales tax applied to many purchases and property owners faced a median of $2,755 in real estate taxes in 2015.

Washington State

Homeowners in Washington state paid a median of $2,895 for property taxes in 2015. Washington State won’t tax your income, but it will tax your property. There is also a 6.5 percent sales tax.


Property taxes in Wyoming were a median of $1,256 in 2015. However, Wyoming does not levy an income tax. The sales tax is a relatively low 4 percent.

Retirement isn't supposed to be stressful, but it can be if you don't plan properly or the market goes awry. Beginning the retirement investment process at a young age often pays off in the long run. 
Additionally, mortgage, insurance, and health care expenses can change unexpectedly, and it's important to know how to adapt to those changes after leaving the workforce.

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Sunday, April 8, 2018

Pitt Bulls

My Beloved Baby girl at the #park Photo by ltbaphotography 🐕

Monday, March 26, 2018

Wednesday, March 21, 2018

What Type of Cookware Do You Use and Is It Safe?

Nonstick pans gained popularity because they are so easy to clean. Unfortunately, this convenience is paid by sacrificing health and safety. I'n fact, nonstick cookware is most often coated with Teflon, also known as polytetraflouroetheylene, a carcinogen. In 2006, 90% of all aluminum cookware sold was coated with this substance. Other harmful health effects of this chemical included: Elevated cholesterol, abnormal thyroid levels, liver inflation, weakened immune system, tumors and developmental problems

When heated during the cooking process, Teflon releases toxic fines which can cause flu like symptoms. These fumes can kill a bird in just a few seconds.

To test these claims, The Environmental Working Group heated nonstick cookware on a conventional stove top to s of it world trigger toxic fumes. I'n just 2-5 minutes, the surface of the cookware exceeded the temperature at which the coating began to emit toxic particles and gases.

Aluminium is another form of cookware that you should be wary of.
According to Health Canada, cooking a meal in an aluminum pan can add about 1 to 2 mg aluminum to your food. The World Health Organization estimates that people can safely consume about 50 mg a day without harm, and the U.S. Food and Drug Administration has not set an upper intake limit.
In the 1970s, a Canadian researcher published a study stating that he had found high levels of aluminum in the brains of Alzheimer's patients.
Some studies seem to suggest a link between the disease and high levels of aluminum in groundwater, while others show none. 

People with kidney problems may have difficulty removing excess aluminum from their bodies, so it builds up over time, which can lead to bone and brain disorders.
To minimize the amount of aluminum that dissolves into your food from cookware, avoid cooking acidic foods like tomatoes and rhubarb in aluminum pans.

Don't store leftovers in aluminum, because the longer the food sits, the more aluminum it can absorb from the pan. Since more aluminum will dissolve out of old, pitted and worn pans, throw away your aging aluminum cookware.
When you replace your old pans, consider upgrading to anodized aluminum pans.

This brings us to copper cookware. Copper pots have benefits and disadvantages. Copper is attractive and shiny when used on the outside of pots and pans and copper is an excellent conductor of heat. Because of its look and superior heat conduction, copper cookware tends to be more expensive than other types of cookware.

In addition, copper can be toxic when used on the inside of cookware, so it is usually reserved for use on the outside or with a lining of other materials.
Copper is an essential trace mineral in all body tissues. Copper and iron help form red blood cells. Copper also helps to keep your blood vessels, nerves, immune system and bones healthy.

Some copper pots can also be lined with aluminum, so be very aware of that.

Is It Safe to Cook in Copper Pots?

Copper pots have benefits and disadvantages. Copper is attractive and shiny when used on the outside of pots and pans and copper is an excellent conductor of heat. Because of its look and superior heat conduction, copper cookware tends to be more expensive than other types of cookware. In addition, copper can be toxic when used on the inside of cookware, so it is usually reserved for use on the outside or with a lining of other materials.

Benefits of Copper Cookware

Not only are copper pots and pans attractive in the kitchen, but copper is an excellent conductor of heat and very good for top-of-range cooking. Cooks often use copper pots and pans to prepare delicate sauces and dishes that need to be prepared at strictly controlled temperatures. Copper pots and pans are usually lined with tin or stainless steel so the consumer doesn't need to be concerned with copper toxicity. Excellent heat conduction can be maintained through the lining.

About Copper

Copper is an essential trace mineral in all body tissues. Copper and iron help form red blood cells. Copper also helps to keep your blood vessels, nerves, immune system and bones healthy. Copper is found naturally in certain types of shellfish, whole grains, potatoes, dried fruit and dark leafy greens. Most people get enough copper in their daily diets. The specific amount of copper needed daily depends on your age, gender and health situation. Medline Plus indicates that a safe amount of daily copper intake for an adult over 19 is 900 mcg. Copper in large amounts is poisonous, though a specific toxic amount has not been determined.


Copper pots that are lined with materials like tin and stainless steel can protect you from potential toxicity related to copper. The metal is easily dissolved by some foods and large amounts can cause nausea, vomiting and diarrhea. According to the Food and Drug Administration, acidic foods cause copper on unprotected cookware to dissolve into foods. If you use unprotected copper-lined pots and pans, research the acidity of certain foods.
If you are looking for a healthier alternative, here are 4 cookware materials to try:
1. Cast iron  
 the most time tested, nearly indestructible and inexpensive cookware on the market. It's also versatile as it can go on the stove top and in the oven. You can also use it to saute, fry, braise and stew, but it is best to not use it for boiling or steaming. Best of all you can easily clean it by using a scrub brush, hot water and liquid castile soap. The only downside is that cast iron tends to be heavy and must be fully dried after washing to avoid rust. However, there are companies that offer enameled and rust proof cast iron cookware. 

2. Stainless Steel 
 If you often boil or steam food, it may be best for you to cook with stainless steel. Although lighter pots and pans may take longer to heat up, heavier cookware conducts heat quite well. Stainless steel doesn't absorb the flavor and scent of food making it ideal for families who want to get creative in the kitchen and awaken "new" taste buds. The only downside of stainless steel is that food can quickly burn if the heat is too high or the pan gets too dry. Then the pan can be difficult to scrub clean.

3. Ceramic 
 Ceramic makes for more attractive and eco friendly material. Most ceramic cookware can be used on the stove and in the oven and can be cleaned in the dishwasher. However, its important to purchase high quality-safety tested ceramic as some more inexpensive options can be contaminated with lead and other toxic chemicals.

4. Glass 

the safest, completely  non-toxic and most versatile product to use in cookware. It's often used in anything from food storage containers to skillets, cooking pans and casserole dishes. The only downside to glass is that it's temperature sensitive so placing a hot container on a cold metal surface, like a sink or stove range will cause it to shatter.  

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Wednesday, July 13, 2016

Back to the Roots mushroom farm update day 3

Stop Negative Thinking {Part 1} [The Series]

Stop Negative Thinking

Negative thinking is a way of thinking wherein the person expects adverse outcomes before or throughout the process of making an action or decision. It is also known or referred to as pessimism, which was derived from the Latin word [pessimism] that means 'the worst'.

Basically, pessimism is a way of thinking where the person thinks that negative possibilities outweigh the positive ones. Most of the people think that this way of thinking is just fine, they consider it being realistic or accepting the worst reality that may happen, that it makes them prepared for any terrible outcome. Therefore, negative thinking only makes a person loose his or her confidence and stop what he or she has to accomplish, making a person accept that he or she does not stand a chance to succeed.

Almost everyone is vulnerable to falling prey to negative ideas. It is really hard to avoid, especially when a person is in a really hard situation. These negative thoughts can drain a person's energy and make them a enemy out of themselves. A person may easily loose their focus and determination when they are covered with negative ideas. Throughout all of history, it has been seen and proven that pessimistic character contributes to the failure of a person. Hence, the more pessimistic a person is, the higher chance of failure he or she has. This is why it is important not to give in to negative ideas. 

Types of Negative Thinking or Pessimism

All-or-Nothing Thinking-  This is a way of negative thinking wherein a person always wants to get everything or do things perfectly because he/she considers that anything less than perfect is a failure. 

In a sense, this way of thinking might be beneficial for a person because it makes him or her set their goals high. But on the contrary, it might also be a cause of a problem because it often causes someone to have a stumpy confidence; making the person think or decide not to take the step because of their really high goals.

Disqualifying the Positives- A type of pessimism which is very common. It makes someone afraid of taking any more chances because of a single failure. 

It makes a person thing there will always be another failure in their further steps because they've already experienced one. It is like a phobia to flop again, maybe due to a really painful fall from a previous experience. It makes someone reject the idea of success because their mind is pre-occupied by negative ideas. 

Negative Self-Labeling- This way of thinking makes someone deny his/her real identity. He thinks that he will not be accepted if people discover his/her real self.

He/She thinks thinks of his whole self as a failure, therefore making him/her have very low self-esteem. He/She thinks that everything they have is a flaw and every action he/she takes is a mistake.

Catastrophizing- It is a type of negative thinking wherein the person thinks that everything that is going to happen is always the worst. It makes the person contradict any chance of a bright future

People who have this way of thinking are often afraid to take any chance and step further because they keep in their mind that every outcome of their action is a catastrophe.

Other Common Types of Negative Thinking

Mind Reading-  This is a type of pessimism wherein the person thinks that he/she knows what other people think of his/her actions, which makes them draw negative conclusions on other people's perspective.

Should Statements-  A type of negative thinking wherein the person dictates how other people should act towards him/her based on his/her actions and treatment shown to them.

Excessive Need for Approval-  It is a negative way of thinking wherein the person thinks that every unpleasant reaction of the people around him is because of him/her. He/She thinks that he can only be happy if others like them and if someone is upset, it is undoubtedly his/her fault.

Disqualifying the Present- A way of thinking wherein the person always thinks of the outcome of their actions, which makes them disregard the present situation and ignore other possibilities.

Dwelling on Pain-  This is a way of thinking which is sometimes used by some people as an excuse to feel sorry for themselves. It makes them think that if they worry and make themselves stressed because of a failure, everything will somehow be ok and they will feel better.

Pessimism-  It is a mentality wherein a person thinks that everyone does not have the right to be happy and satisfied. And if something good happens, he/she needs to do something bad in exchange of it.

Pessimism is not something that we have when we are born. It is something that we develop every time we take our actions, whether it be the time when we were still young or our time as an adult. In short, we develop our way of thinking over time.

Most of what we are now is something that we develop when we were still sponges. The time when we were still soft and readily absorbing everything given to us. The time when we were still children. 

Every experience that a person had when he/she was still a child might be a big factor on how he/she thinks at the present. That classmate of yours in grade school who bullied you, your teacher who insulted you and called you dumb in the class, that bad experience you had which put you on shame, and that friend of yours who turned his back on you. Every bad experience a boy or girl had might be a reason.

An adult age is not an excuse for someone not to have a negative way of thinking. In fact, there are lots of pessimists who developed it at this age.

For most of us, being an adult means a person needs to take actions and make decisions on his/her own. It is being independent. And things get worse when a person fails at this time because he thinks that he/she is not a child anymore and needs to take everything on his/her own and that even includes failures. It may happen anywhere but most of the time, at the workplace, peer groups and even along with families.

That frustration of being denied on your job applications, that time when your boss shouted at you, when you were rejected by a love interest, and even that time when you fail to fulfill your duties as parents. All those hard times may affect a person's way of thinking.

One's beliefs play an important role on his/her way of thinking. Everything that you kept in your mind, told to be the truth, and decided to believe in, may also be a reason to either be optimistic or a pessimist.

The Effects of Negative Thinking-{Intro}

Many people tend to ignore the possible effects of negative thinking, which is the reason why more people tend to become pessimists without even knowing how it might have affected their lives. Having negative thoughts can really make an impact on a person's point of view, quality of life and health.

Continue with me on this blog journey as I release Part 2 and dive deeper into the effects of negative thinking.