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Judith's Blog |
| "Forty-Seven Percent of Americans Pay No Income Tax" April 15th found me at the Post Office, grumpily mailing my tax return. So a message from Henry in the WALL STREET JOURNAL caught my eye. Henry, by definition, is a "high earner, not rich yet". Henry describes himself like this: -- In the 32 percent federal, 10 percent state income tax. -- Pays a one and a half percent property tax on inflated bracket value of his house. -- Pays the alternative minimum tax. -- Self employed and pays a payroll tax. -- Pays investment tax on any savings or retirement funds; by the way, money on which he's already paid as income tax. He worked as a kid -- lawns, shoveled snow, delivered papers. Went to college on loans, working nights to pay back the loans. Now, twenty years later, Henry has a new car. -- Lives in a good neighborhood. -- Has retirement savings. Henry feels that maybe he does have much more than others, but he also worked harder -- building his business 60 to 70 hours weekly. He's asking: Why does the government feel entitled to take his money and give it to others? He's a believer in personal responsibility. Henry is not a believer of equal outcomes regardless of effort. He is a believer of the American dream -- the opportunity to work and get ahead. Really trying Henry's patience is the news that 47 percent of Americans pay no income tax. Henry's tired of being the mule. | ||
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| Themes: Finance, Taxes, Freedom | ||
| "Tips for Applying for Student Aid" Getting your money's worth advises: be careful when filing for student aid. Understand that nearly everyone, regardless of circumstances, is eligible for aid from the $8,000 plus program. Tips for applying: apply early in January. It's not necessary to file income tax first. An accurate estimate of adjusted gross income is acceptable. Reminder: adjusted gross income is not taxable income. Be mindful of deadlines. States, colleges, federal government -- all have different dates. Don't count your house. Your primary residence isn't considered an asset for student aid purposes. Neither is a family-owned business with fewer than one hundred employees. And, lastly, be accurate. Check and double check. Common errors are transposing numbers, mistyping. List your name exactly as it appears on social security card. | ||
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| Themes: Higher Education, Finance | ||
| "Who Saw Wall Street Debacle in Advance" We're told that our economy is in a slow recovery. I guess that's akin to being off "life support". But lots of us are still angry. Angry that all the people in finance and government that should have been watching, didn't. No one watched out for John or Jane Citizen. But we are told in a book out by Michael Lewis about a small group of folks who did see what was happening. Among them was a twenty-two year old Harvard student who left Julliard to study economics at Harvard. After interning during her junior and senior years at an investment bank, she wrote her thesis on mortgage securities. She discovered what everyone else chose not to see: in no way could those undocumented, no money down loans be repaid. All that purposefully "complicated financial paper had as it's foundation loans that would never be paid back. This young woman graduated Summa Cum Laude with an "A" in economics. She now works as a financial analyst. When asked, "Why?" She answered: how will Wall Street ever change, if the people that work there don't change. | ||
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| Themes: Finance, Recession | ||
| "Tips on Investing from Warren Buffett" Warren Buffett, America's most famous investor, is confident. And he's on a buying spree. He used the past eighteen months to pick up value. He made a wise statement for stock purchases. When you see value and when it's raining gold, reach for a bucket, not a thimble. Buffett did have strong words for leaders whose companies created disasters, but who still themselves live in grand style. They need to be held accountable and they should pay a heavy price. Speaking of price by the way, anyone who invested $2,000 in Berkshire Hathaway in 1965, would today have $80 million. Buffett's rule for investing? Rule number one: Never lose money. Rule number two: Never forget rule number one. | ||
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| Themes: Money Tips, Finance, Investing | ||
| 60 Seconds on Value: "Extended Product Warranties" | ||
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| Themes: Consumerism, Money Tips | ||
| 60 Seconds on Value: "More Job Hunters Than Jobs" | ||
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| Themes: Back to Work | ||
| "Nothing Replaces Face-to-Face" I don't know if you noticed, but of late, more and more emails have those smiley faces showing up in the message. Maybe those symbols are okay on a handwritten note, but if you're depending on them to make a statement in business or to resolve any kind of dispute, "forget it". Let's just say it: "conveying emotions through e-mail sucks." Never engage in disagreements -- personal or business -- electronically. And, if possible, not even by phone. Nothing replaces face-to-face. Younger folks, who have grown up with email and Text, may think I'm nuts. But email allows misunderstandings to ratchet up. In person, you can see how someone is reacting. You can pause, re-assess and adapt. You can even say, "I'm sorry", eyeball to eyeball. | ||
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| Themes: Communication, Relationships | ||
| "Secrets to a Happily Married Man" February is the month for lovers. So this is a wife's "to do" list for her husband. I call this, secrets to a happily married man. • tell your wife you adore her • do your share of child care • do your part with chores • listen without judging • praise her • support her interests • say, "I understand" | ||
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| Themes: Relationships | ||
| 60 Seconds on Value: "NY State Debt, National Debt, Your Debt" | ||
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| Themes: Finance, Recession | ||
| 60 Seconds on Value: "Too Much House" | ||
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| Themes: Real Estate, Housing, Money Tips | ||
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More about "Getting Your Money's Worth"
As the title of the show, "Getting your Money's Worth" implies, the show concerns itself with gaining value as a consumer of education, health services or, indeed, as a tax payer. Everyday consumer spending will be included. The dialogue may not present solutions, but certainly will present alternatives in an entertaining and colorful way with experts in their respective fields. |
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| Press Room |
The Southampton Press
By Vera Chinese
Mar 17, 09 2:40 PM
![](JavaScript:openPopWin("SH.jpg", 1000, 800, "toolbar,location,directories,status,menubar,scrollbars,resizable", "10", "10"))
In a troubled economy, people tend to become increasingly concerned with getting the most bang for their buck. That’s where Judith West, producer and host of the television program “Getting Your Money’s Worth,” steps in. Ms. West’s program, which airs in Brooklyn and Manhattan on public access television, is about saving money and getting the most value in everything from education to health services—and, most important, life.