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Tannery & Company Wealth Management
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There are only 20 days until Christmas!!

How am I going to get everything done?

If you are a woman, you immediately believe that there is a definite sense of needing to do it ALL! If you are a man, you may not have realized that there are 20 Days until Christmas.

Do you have a strategy to maximize your 168 hours per week?

168 hours in a week!

That’s plenty of time to exercise, work on that blog, walk Buddy, have a real date night, and get your work done.

Ever say to yourself, “I don’t have time.” What you’re really saying is “it’s not a priority.”

If you know me, you know I love to exercise. It’s my therapy and my non-negotiable. I MAKE time for it! When my friends ask how I can squeeze it in, I schedule it. I can tell you when my fitness training sucks, then my life is a mess. Recently, I took a sabbatical to allow my body to recover from nagging lifetime injuries. There was to be no running or biking for 9 months. Drove me crazy. After two months, I started walking and using a Fitbit to track and engage with others. The results, both Buddy and I lost a few pounds and my recovery was much quicker. My life? Immediate improvement!

These are my 5 Tips To Managing Your Time in an Over-Connected World
 
1. Learn To Say No
“No” is a complete sentence.
“The difference between successful people and very successful people is that very successful people say ‘no’ to almost everything”. –Warren Buffett

This will change your life. When you decline to do something that you don’t have time to do, this reinforces your commitment to staying focused on your most important tasks. Set those personal boundaries and learn to decline non-essential commitments.
My colleague, Janet Bernstein wrote a post on LinkedIn about “Why Women Don’t Show Up and Feel Bad About It” Her number one item – they say “yes” all the time.

2. Keep A Time Log
While this is a labor-intensive exercise, it helps you understand how you spend your time. If you can measure it you can change how you do it and achieve more. How we spend our time is a choice. Make smart choices not mindless stupid ones.

3. Set Yourself Free from the Social Media Black Hole
Real life is not an Instagram or a Pinterest board. Sometimes we make life harder than we need to by putting pressure on ourselves to do it all. What is a priority for you? Are you living life at choice?
Take it a step further. Find the Apps that support your actions here to limit the time you spend on distracting websites.

4. Ask for and Get Help (No not the Therapy kind unless you might need that)

I am really good at several things, and then there are those where I truly suck. I avoid them, ignore them, and basically will wait until I am almost walking the plank into oblivion until I get them accomplished.
If you NEVER ask your co-workers, boss, spouse, significant other, or children to support you, then change that attitude today. If you don’t ask, no one can ever say yes or no. This is not a new idea however it is a proof to the value of delegating, hiring help when you can afford to, and letting others who are better at something than you are do their jobs.

5. Reward Yourself
Do you think top performers do it all themselves? The Nike Ad “Just Do It” is wrong and right. You cannot go 100% all of the time without eventually crashing into your personal wall of failure.
These are vital components to helping you run more productively and efficiently is time for yourself. That includes getting at least 8 hours of sleep a night. Schedule at least four hours a week for exercise. Take an hour for a manicure, massage, whatever makes you feel better. Look, including sleeping, exercise and an hour for yourself is only 73 hours. If you devote 50% of your life to you, just imagine how different you might be. Do you have time for being you?
There is only one you and you cannot take care of others if you don’t care for yourself.

Tell me how you are taking care of yourself. I would enjoy learning how others are treating themselves well.

Michael

Michael@tannerywealth.com
PS – Take a look at our new website. I would appreciate your comments and feedback
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Can you say Identity Theft in Russian?

A key metric to being a Financial Olympian and living in the Digital Age is being aware of the  identify theft thieves that lurk in every corner of your life.. From your apps to your emails, it seems like cyber criminals are everywhere these days.  Today alone, I have won over $500,000 in the UK Lottery and have two offers for $50,000 from my long lost cousin Ernest.  All I have to do is click a link and give my entire financial history so they can access my money.  I may be slow on some of my Football Friday pics, but I am aware of what is the potential for identity theft.

In the US alone, identity theft is currently the fastest growing crime, with 9.9 million incidents per year (according to the Federal Trade Commission). Identity theft is a growing, expensive issue, costing its victims billions of dollars every year.
Can you say Identity Theft in Russian?
 
A key metric to being a Financial Olympian and living in the Digital Age is being aware of the  identify theft thieves that lurk in every corner of your life.. From your apps to your emails, it seems like cyber criminals are everywhere these days.  Today alone, I have won over $500,000 in the UK Lottery and have two offers for $50,000 from my long lost cousin Ernest.  All I have to do is click a link and give my entire financial history so they can access my money.  I may be slow on some of my Football Friday pics, but I am aware of what is the potential for identity theft.

In the US alone, identity theft is currently the fastest growing crime, with 9.9 million incidents per year (according to the Federal Trade Commission). Identity theft is a growing, expensive issue, costing its victims billions of dollars every year.

  
Take a few minutes and read about the issues you may face if you are not diligent in keeping an eye on your money.

What Will thi$ Cost Me?

While many financial institutions only hold identity theft victims responsible for up to $50 of fraudulent charges, other types of fraud cases require pricey outside counsel to resolve. The average victim today spends nearly $500 and 30 hours resolving just one identity theft incident according to Transunion.com

Your Personal Time and Legal Issues

Stolen money may eventually be recovered, but the time it takes to solve an identity theft incident doesn’t get paid back. Even in the simplest fraud situation, consumers spend hours contacting banks, credit card companies, phone companies, utilities, or retailers to resolve the situation. And the more widespread the theft, the more time it will take to settle.  If an identity thief has your sensitive personal information, like a social security number or driver’s license, they can use that to take out a mortgage, write bad checks, or even commit crimes in your name. It’s a scary thought, but all of that can add up to big legal bills in order to extricate yourself from the situation.

Take Action to Reduce Your Risk

The best way to fight identity theft is to implement a plan to stay as safe as possible, and detect issues early. While no plan is foolproof, try out these tips to take identity security into your own hands:

Lighten And Shred

Have a shredder?  No?  Then get one for the office and home.  Shred what you receive in the mail.  Lighten your wallet or purse.  Only carry what you need with you and NEVER CARRY your Social Security Card with you unless it is day one on the job and you need to show your employer.

Stay Safe On-line

Always ask the question WHY - Did I start this transaction?  If you do not know why and did not start the transaction) either over the phone or the Internet unless you’re the one who initiated the transaction  Then the probability is HIGH that is fraudulent.   If you receive a phone call asking for any personal information, then ask for a number to return the call.  Even then, be cautious any time you give it out.
Identity thieves often target new prey through phishing emails, posing as trusted companies or people you might know. So beware of clicking links within emails from people you don’t know, especially any time they contain an unusual amount of typos. If an email is unexpected or seems at all suspicious, follow and trust your gut.
Be sure also to use strong passwords and to change them often. Resist the urge to use the same or similar passwords for multiple sites, no matter how easy they might be to remember.

Stranger Danger - Monitor Your Accounts

Remember teaching your children or grandchildren about Stranger Danger?  Early detection is your friend when it comes to dealing with identity theft. And because the misuse of accounts already in existence constitutes the bulk of identity theft, this is a good place to focus your efforts.
Today most banks and credit card companies have both text alerts and email alerts for transactions.  You can go online and set those up for each of your accounts.  One of my personal favorites is with American Express and it notifies be immediately via email any time there is a charge on my account and the credit card is not present.
Finally, regularly examine your credit reports, looking for unfamiliar accounts or unknown transactions.  I personally use https://www.creditkarma.com for monitoring my accounts, of course nothing is free and they always have "free offers" that I ignore.  You should also!

Tax Returns 

According to the Federal Trade Commission, tax identity theft is on the rise. In 2010 only 15% of the identity theft complaints received by the FTC were tax identity theft; by 2012, that number grew to 43%.
If you get a letter from the IRS saying that two returns have been filed for you, or that you were paid wages that weren’t included on your return, those should be red flags for tax identity theft, and you should contact the IRS immediately.

IRS PHONE SCAMS

The IRS does not us email or call you to collect tax without having sent you a notice first.  Do not be tricked into providing information that can be used against you for identity theft.What will not happen is a SCAM phone call or an Email from the IRS.
What is the next SCAM being used on the unwary? A telephone call from a caller who will identify themselves as an agent or representative of the Internal Revenue Service and is contacting you to notify you that the IRS is preparing a lawsuit against you. The telephone call is generally from area codes that are in or in the Washington, DC area, such as 202 or 360, however be on the watch for these calls from any area code.
What do you do if you receive one of these calls? Do not give any information. Always, state that if the person on the phone, will give you an address and the years involved, you will have your CPA prepare and send in a Power of Attorney. We, of course, if there is true concern that you may have received a real IRS call will send a power of attorney to a legitimate IRS office known to us.

Need more information?

Give the Tannery Team a call and we can discuss your specific issues and make recommendations.

Michael


michael@tannerywealth.com
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Top 5 Items for Open Enrollment Season to BE a Financial Olympian http://hubs.ly/H01n8wL0
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