Category Archives: Employment after 50

Death and Taxes … Baby Boomers Life after 50

Death and Taxes

by Peggy Browning

Death and Taxes

Death and Taxes

There are only  two things that are guaranteed to each of us in this life: death and taxes. Every one of us will die, but before we do…we will pay taxes.

Today is the day we pay up: April 15, 2013. Unless, like me, you are a lazy lug and you had to file an extension.

Death and Taxes

I’ve been giving a lot of consideration to the inevitable death and taxes lately.  I read the obituaries every single day. I’ve done that since I was a little kid. And just about every day, I pay some kind of tax. Both are on my mind a lot.

I have a lot of thoughts on the subject of death, but I’ll save those for another time. I’ll just share my thoughts on taxes today. Death and taxes are too heavy for just one blog post.

While I was thinking about taxes today, I pulled out my federal tax return from 2010. It was the only one I could find…so I’ll work from it.

Here’s what I found:

In 2010 I had an adjusted gross income of a little over 40 thousand dollars. That was from working two jobs…a full-time job teaching in a public school and a part-time job working as an usher at an entertainment venue. My taxable income was just a bit over 30 thousand dollars.

I paid $4,295.00 in federal income taxes. In addition to the taxes I sent to the IRS,  I also paid $2,150.00 in school, county, and city taxes…property taxes. I don’t know how much I paid in sales tax, except that here in Texas the sales tax is 8.25 % of any taxable purchase. And, believe me…just about everything I bought except for most grocery items, is taxable.  I bought a new car in 2010 for approximately $20,000.00. I’ll let you figure the sales tax on that.

So, anyway, I was thinking about what I received for my taxes of approximately $6,500.00, excluding all sales tax.

Here’s what I got for my money:

  • A free, appropriate public education for my grandchildren. (In fact…I also received a FAPE…and so did my children).
  • A working public sewer system.
  • A source of water, piped directly to my home.
  • 24/7 Police protection.
  • A judicial system that works most of the time.
  • 24/7 Fire department protection.
  • Paved streets in my mid-sized city.
  • Paved alleys in my mid-sized city.
  • State parks, federal parks, and city parks.
  • A public venue for concerts and sporting events.
  • A city councilperson to represent my district.
  • A state representative, a state senator, two U.S. senators, and a U.S. representative.
  • An infrastructure that supports transportation, electricity, other sources of energy, and fiber-optics for internet service.
  • Interstate, intrastate, and farm-to-market highways.
  • The FDA to ensure safe medications and treatments, the CDC to research communicable diseases, FEMA and the National Guard to help me in time of disaster.
  • A public transportation system in my hometown.
  • Access to mental health treatment.
  • Access to public health treatment.
  • A tornado warning system.
  • FCC regulated television and radio stations.
  • FAA regulated air travel.
  • NOAA weather information.
  • Round the clock protection by the military serving in the U.S. and all other foreign assignments.
  • The FBI, the CIA, etc.

And those are just a few of the perks of paying my taxes.

Here’s some other perks that make me feel good about paying taxes:

  • The young single mother who works with my daughter received food stamps and Medicaid. She also received subsidized child-care and subsidized housing. Her children were well-fed, had medical care when they needed it, had safe child-care, and a suitable home.
  • The frail, low-income pensioner received nursing home care through Medicaid.
  • The state universities received federal subsidies to provide post-high school education for my neighbor’s children.
  • Research hospitals and universities received federal grants for researching ideas from cures and treatments for cancer to better agricultural methods.
  • Millions of unemployed people received unemployment benefits that helped save them from total desperation when they lost their jobs…on which, by the way…they pay a 10% federal income tax.
  • Dairy farmers received a federal subsidy so that the price of a gallon of milk is still affordable.

That’s just a few of the things for which my taxes pay. Federal, state, county, city, and school taxes…all used to keep our lives and all the perks to which we are accustomed going well.

The two inevitable facts of life are death and taxes. We are assured of both. We can like it or we can lump it. No one looks forward to either of these inevitable forces of life.

Whatever…we will always have death and taxes.

 

Mary Ann Bernal … Women Writers over 50

Women Writers over 50…Mary Ann Bernal

by Author Mary Ann Bernal

by Author Mary Ann Bernal

Fifty Odd is featuring women writers over 50 each week for 50 weeks. Each guest answers questions about her writing subjects, her writing inspiration, her purpose for writing, and her current books and upcoming writing projects.

Author Mary Ann Bernal is the featured guest this week.

Author Mary Ann Bernal Women Writers over 50

Author Mary Ann Bernal
Women Writers over 50

Thank you for having me, Peggy.

About the Author

Mary Ann Bernal, author of The Briton and the Dane novels, is an avid history buff whose area of interest focuses on Ninth Century Anglo-Saxon Britain during the Viking Age.  While pursuing a degree in business administration, she managed to fit creative writing classes and workshops into her busy schedule to learn the craft, but it would take decades before her “Erik the Viking” novel was ultimately published.

Mary Ann is also a passionate supporter of the United States military, having been involved with letter writing campaigns and other support programs since Operation Desert Storm.  She has appeared on The Morning Blend television show hosted by KMTV, the CBS television affiliate in Omaha, and was interviewed by the Omaha World-Herald for her volunteer work.  She has also been a featured author on Triangle Variety Radio, The Phil Naessens Show, and The Writers Showcase, and has been interviewed extensively by American and European bloggers.

Mary Ann is a New York “expat,” and currently resides in Omaha, Nebraska.

Women Writers over 50 … Mary Ann Bernal

When did you decide you wanted to be a writer?

Since grade school, after having impressed my teacher with one of my rhythmic poems

What or who inspired you to write?

The Hollywood Blockbusters of my youth was the inspiration behind my dream to write my Erik the Viking novel.

What do you hope to accomplish with your writing?

One of the themes running through The Briton and the Dane series is the plight of the warrior and his family.  My stories shed light on the effect a warrior’s “career” has on the family, and the sacrifices made by loved ones.  My subtle inferences are seen in today’s society, with our deployed men and women serving their county and preserving our freedom.  Thank a service person and/or veteran for their service.  Freedom is not free.

Excerpt from The Briton and the Dane:  Concordia

This excerpt is from chapter one.  The reader is introduced to Brantson, a gallant warrior serving in King Alfred’s army.  Brantson is the perfect embodiment of honor, truth and justice, in a violent world.

” Brantson walked amongst the wounded as his able-bodied men made the necessary preparations to bury the dead.  He spoke with every man, assessing their wounds while providing comfort, but his demeanor was somber as he silently counted the number of warriors he had lost.  Brantson gestured to the stableboy who hurried towards him, and he smiled slightly when the lad removed his hat and bowed.

“How are you called?”

“Alden, my lord.”

“Alden, I would have you bring the wounded men to the holy brothers at the abbey, but return quickly for the dead.”

“We will need more wagons,” Alden replied while pointing at the heathen bodies.

“Nay, we will alight a funeral fire as is their custom…I would not deny them their beliefs.”

“As you wish,” Alden mumbled before taking his leave.

“The boy seemed surprised by your honorable treatment of the enemy,” the first officer said quietly as he approached his commander.

“It is only fitting,” Brantson murmured as he gazed upon the lifeless bodies.  “But you already know my thoughts in this regard, so why are you troubled?” ”

What have you learned from writing?

One’s writing improves the more one writes.

What are you working on now…or what is your next writing project?

My next project is The Briton and the Dane: Timeline  — since I’m not ready to leave the Anglo-Saxon Britain.

Following is a synopsis of Mary Ann’s Latest release, The Briton and the Dane: Concordia: 

Travel back in time to late Ninth Century Anglo-Saxon Britain where Alfred the Great rules with a benevolent hand while the Danish King rules peacefully within the boundaries of the Danelaw. Trade flourishes, and scholars from throughout the civilized world flock to Britannia’s shores to study at the King’s Court School at Winchester.

Enter Concordia, a beautiful noble woman whose family is favored by the king. Vain, willful, and admired, but ambitious and cunning, Concordia is not willing to accept her fate. She is betrothed to the valiant warrior, Brantson, but sees herself as far too young to lay in the bedchamber of an older suitor. She wants to see the wonders of the world, embracing everything in it; preferably, but dangerously, at the side of Thayer, the exotic Saracen who charms King Alfred’s court and ignites her yearning passions.

Concordia manipulates her besotted husband into taking her to Rome, but her ship is captured by bloodthirsty pirates, and the seafarers protecting her are ruthlessly slain to a man. As she awaits her fate in the Moorish captain’s bed, by sheer chance, she discovers that salvation is at hand in the gilded court of a Saracen nobleman.

While awaiting rescue, Concordia finds herself at the center of intrigue, plots, blackmail, betrayal and the vain desires of two egotistical brothers, each willing to die for her favor. Using only feminine cunning, Concordia must defend her honor while plotting her escape as she awaits deliverance, somewhere inside steamy, unconquered Muslim Hispania.

Links:

http://www.maryannbernal.com

facebook.com/TheBritonandtheDane

http://twitter.com/#!/BritonandDane

http://maryannbernal.blogspot.com/

http://www.linkedin.com/pub/mary-ann-bernal/33/5b/a9a

http://pinterest.com/maryannbernal/

https://www.youtube.com/user/maryannbernal/videos

The Briton and the Dane Concordia – Book Trailer:

http://youtu.be/yDPaiQqmaIs

The Briton and the Dane Concordia — Purchase Information

US   http://www.amazon.com/The-Briton-Dane-Mary-Bernal/dp/148188994X/ref=sr_1_2?ie=UTF8&qid=1358684323&sr=8-&keywords=The+Briton+and+the+Dane+Concordia

UK    http://www.amazon.co.uk/The-Briton-Dane-Mary-Bernal/dp/148188994X/ref=sr_1_1?ie=UTF8&qid=1358684038&sr=8-1

 

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 Thank you to all the women writers over 50 who are participating in the Fifty Odd blog tour.

Middle-Aged Mean Girls … Boomers Life After 50

Middle-Aged Mean Girls

by Peggy Browning

"There's a special place in hell for women who do not help other women"...Former Secretary of State, Madeline Allbright

“There’s a special place in hell for women who do not help other women”…Former Secretary of State, Madeline Allbright

Middle-aged Mean Girls…could there possibly be anything worse than this? I mean, really, it’s bad enough when mean girls are tweens and teens, but to have to put up with middle-aged mean girls is a special kind of torture that most of us would give anything to avoid.

Middle-aged mean girls are commonly called something else…a word that starts with “b”. And in the case of some old mean girls, it’s spelled with a capital B.

The Mean Girls weapon of choice...a knife in the back.

The Mean Girls weapon of choice…a knife in the back.

I would call them heifers, but I like heifers. Middle-aged mean girls are more like old hens who will swiftly peck a vulnerable chicken to death and then walk over the dead chicken until she is smashed flatter than a flitter. Or sometimes a group of old hens will slowly pull the feathers from another hen until she is naked and exposed and then she gives up and dies.

Either way, it’s a cruel death. And it’s a method at which middle-aged mean girls are particularly adept. Pick, pick, pick. Peck, peck, peck. Finally the hen being pecked on dies…or in the case of women, quits her job because she is dying a slow death.

Mean girls gossip, spread rumors, make shit up, and spread it all over the barnyard or office, whatever it may be. They post on Facebook, they slander co-workers, they talk in the break room until the one being gossiped about comes in to get a cup of coffee or to make a copy. They finally hush…until the gossippee walks out again. And the shit starts to fly again.

Oh, those mean old hens. Oh, those hateful old capital Bs.

I am thinking in particular of a dear friend who has a terrible job situation. She’s currently in a heartbreaking mess . But is she being supported by her co-workers…those women who work beside her each day…those women whose support would be greatly appreciated by her right now?

Oh, hell no. She’s being gossiped about and raked over the coals. Her integrity is being questioned. Her good name and reputation is being besmirched by people who called themselves her “friends” until she really needed a friend. Now that she needs some encouraging words from them, they are busy posting on social media, texting other co-workers, and generally talking smack about her.

I’m disappointed in these women, but I’m not surprised. It’s a common occurence in the work place, as well as in most other organizations where women are in attendance. I hate those capital Bs.

With friends like these middle-aged mean girls, who in the world needs enemies?

I’d like to tell my friend that things won’t always be like this, that she will go to another job where everyone is nice and appreciates her good work and her helpful attitude.  However the fact is that there’s always a group of mean girls, small or large, no matter where you go.

Women don’t have to behave this way. We should pull together, help each other, encourage each other, educate and instruct each other by sharing our hard won wisdom.

Wouldn’t it be better if we grew up to be nice, kind women rather than just growing older and becoming middle-aged mean girls?

I think so…but I seem to be in the minority.

(Clip art from www.hasslefreeclipart.com.)