August 2020

Tom Swift - Untethered Dog - Mon, 08/31/2020 - 4:44am

31 Monday Being part of a community of learners. The Sunday newspaper. The ongoing conversation in your head. Mobility day. Sun lamps. Egg-and-cheese breakfast sandwiches. A personal challenge. Cod sandwiches with tartar sauce. 28 Friday Going for a ride to the park. A break in the humidity. Bill-pay. The Animal Humane Society. 26 Wednesday Jennifer […]

The post August 2020 appeared first on Untethered Dog.

Categories: Citizens

Ayudas para la vivienda del estado de Minnesota

KYMN Radio - Sun, 08/30/2020 - 9:06pm
Se lanzan las nuevas ayudas para pagos atrasados de vivienda del estado de Minnesota. Se acercan las elecciones presidenciales y el dilema del voto en persona o por correo y el candidato a votar.

Fine Tune archive #249 summer 2020.08.30

KYMN Radio - Sun, 08/30/2020 - 7:20pm
Another Fine Tune summer re-run I think you’ll like… this episode premiered 31 August 2014: Fine Tune 08-31-14 #249 Late Summer Air / Matt Glaser & Jacqueline Schwab // Another Lost Summer / Blanche // One Week Last Summer / Joni Mitchell // Summer Evening / Gillian Welch// Summer Song / James Yorkston // Summertime /

Former journalist covers true crimes in 1st book

Northfield News - Sun, 08/30/2020 - 2:45pm
Nineteen-year-old Frederick Morsching was murdered while taking a high school senior on a date in 1949. Sixteen-year-old Wayne Stickley was shot to death during a robbery at the gas station where he worked in 1976. And 17-year-old Rolene Madison’s dead…
Categories: Local News

Carleton president to step down next summer

Northfield News - Sun, 08/30/2020 - 6:16am
Carleton College President Steven Poskanzer will step down in July 2021, ending an 11-year presidential tenure with the college.
Categories: Local News

Friday – Defunding Soc Sec – U.S. Treasury Guidance for Payroll Tax Deduction

Carol Overland - Legalectric - Sat, 08/29/2020 - 8:18am

STrib article: Trump administration allows deferral of Social Security tax

It’s real – the U.S. Department of the Treasury has issued guidance allowing employers to not withhold the 6.2% for Social Security AND employer share will not be paid in either.

Social Security_Guidance_Payroll Tax WIthholding irs.gov_pub_irs-drop_n-20-65Download Trump August 8, 2020 Memorandum_Payroll-Deduction_2020-17899Download

Within this notice above, IN A FOOTNOTE (!), is a heads up that employers also do not have to pony up their share:

The deposit obligation for employee social security tax does not arise until the tax is withheld. Accordingly, by postponing the time for withholding the employee social security tax, the deposit obligation is delayed by operation of the regulations. Thus, this notice does not separately postpone the deposit obligation.

So not only is this not deducted from an employee’s paycheck, but the employer does not pay in either. If every employer did this, that would mean that the employer and employee funding for Social Security would drop to zero and end!

It would? Check this “analysis of the implications of hypothetical legislation that would change the tax rate paid by employers, employees, and self-employed individuals to zero percent for the Federal Insurance Contributions Act (FICA) payroll taxes and Self-Employment Contributions Act (SECA) taxes that fund Social Security’s Old Age and Survivors Insurance (OASI) Trust Fund and Disability Insurance (DI) Trust Fund.”

Social Security_2023 – Analysis to Senators VanHollen Sanders Wyden Schumer_20200824Download

Where does Social Security stand, what’s the income, outgo, Trust Fund balance? From the Wiki on Social Security:

Note income and outgo are evenly tied now. There’s a lot of $$$ that the government owes the Trust Fund, and it can’t make interest on what isn’t there (not that interest rates now mean anything). What’s expected to happen? Unless something changes, it goes into the negative circa 2034:

Where does Social Security get its revenue from? According to the Social Security Administration:

In 2019, $944.5 billion (89 percent) of total Old-Age and Survivors Insurance and Disability Insurance income came from payroll taxes. The remainder was provided by interest earnings $80.8 billion (7.6 percent) and revenue from taxation of OASDI benefits $36.5 billion (3.4 percent).

Removing $944.5 billion PLUS (presuming it’s ever increasing) from the Social Security income stream, EIGHTY-NINE PERCENT, would have a tremendous impact on both revenue and the interest earnings.

From Reuters:

Trump’s coronavirus payroll tax cut would punch hole in Social Security, Medicare budgets

An Obama administration 2011 payroll tax cut to counteract the Great Recession, for example, returned $109 billion to households by cutting 2 percentage points from the amount that employees pay the federal government. In that case, the Treasury put a similar amount into the Social Security fund to make up the loss.

Trump’s proposal, to eliminate both the workers’ and employers’ payments, is of a different scale. Unless it is also somehow replaced, it could exacerbate funding shortfalls that the two popular programs already face in coming years, as the U.S. population ages and demand for healthcare increases.

AND what they’re not saying in BIG BOLD FONT is that this money has to be recouped in 2021. This “tax cut” really isn’t, and employees and employers would have to take a significant hit in 2021, paying their current 6.2% plus another sum to make up for the cut. How do they propose to do that? Not said… and if tRump had his way, he’d cut the payroll tax altogether.

As one who is 65 next year, and as one who is self-employed paying in the full 12.4% share for Social Security, putting the Social Security system at risk like this is not acceptable. Just NO! I’ll keep up with my pay-ins to Social Security, no balloon payment for me, but as one who will have to keep working forever before starting to collect Social Security, I’m royally pissed at these efforts to undermine Social Security. What they should be doing is putting back the money that has been borrowed, increase the income ceiling for Social Security deductions, and eliminate Social Security payments to those who have no need of it (that’s the “entitlement” that should be cut, the 1%, the 5%, the 10%, why on earth would they need Social Security payments?)

Destabilizing Social Security? This is something you’d think working stiffs and those collecting Social Security and Social Security Disability would care about.

When I’m 65?

Categories: Citizens

(Not Exactly) The Only Thing We Have to Fear

Tom Swift - Untethered Dog - Fri, 08/28/2020 - 5:55am

It is one thing to learn that a cause or candidate or specific piece of legislation you believe in has not or will not advance. It is another thing altogether when the principles around which your country operates comes into doubt.

Of course, I am one person. I have modest means. I have minuscule power. What can I do?

The election is, of course, outside my control.
Shall I then throw up my hands and hope for the best?

As meager as my efforts may be in the grand scheme, it seems important to focus on what I can do.

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Categories: Citizens

The Beautiful Blueberry

Gardeners know a special feeling. The certain, singular contentment of picking fresh fruit, harvest basket in hand and the sun on your shoulders, is incomparable to nearly any other human experience. And it makes sense, gathering food is as old as humankind.

Gardening is a labor of love. Time, money, sweat; there is investment every year that we hope will be rewarded with abundant fresh food and mental clarity by the end of the season. Imagine, though, planting once and simply gathering thereafter. Think of it whimsically— this ancient, primal activity, harkening back to our ancestors. Think of it practically— prepare the planting site once and sit back and relax. Edible landscaping.

Consider the beautiful blueberry. These tiny fruits are a special treat from the market, worth every penny when they’re in season but flavorless and still expensive when they’re not. It’s time to forget store-bought blueberries! We Northern gardeners are lucky because we can grow a huge variety of these nutrient rich berries and reap the harvest for years. As if the fruit weren’t enough, pollinator friendly flowers and perfect fall color make them a beautiful landscape plant. The red fall color alone surely attracted our ancestors to these amazing plants.

Blueberries are not a terribly demanding shrub. Like many gardening endeavors, choosing an appropriate site, proper preparation, and good cultural care ensures longevity. Working peat moss and compost into the soil and watering consistently lays the foundation for fruit. Patience, gentle pruning, and acidifying the soil if needed is the maintenance. Collecting the fruit, engaging in one of the most human activities there is, is the sweetest reward.

The post The Beautiful Blueberry appeared first on Knecht's Nurseries & Landscaping.

Categories: Businesses

Navigating Empathetic Marketing

Brand Yourself Consulting - Tami Enfield - Wed, 05/06/2020 - 5:23pm

Welcome to our new normal. Every single day, we are bombarded with updates, statistics, and stay-at-home orders. Emotions are running high, and everyone is feeling a little stuck. This adjustment has been nothing short of difficult, and it’s especially tricky...

The post Navigating Empathetic Marketing appeared first on Brand Yourself Consulting.

Categories: Businesses
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