Heard of Pulsed Electromagnetic Field (PEMF) Treatments? Here’s How They Can Help You!

According to Melody Petersen, author of the book Our Daily Meds, “Americans spend more on medicines than do all the people of Japan, Germany, France, Italy, Spain, the United Kingdom, Australia, New Zealand, Canada, Mexico, Brazil and Argentina…COMBINED.” That’s a shocking statistic, isn’t it?  There are alternatives to pharmaceutical drugs.  Let me tell you about a new technology that’s just coming into wide use in the U.S. Dr. Rainer Klopp MD Ph.D., founder of the Institute for Microcirculation in Berlin, Germany, made

Mortgages Rates – What a Fed Rate Hike Means For You (Get ready to pay more)

The Federal Reserve decision Wednesday, March 15, 2017, to lift its benchmark short-term interest rate by a quarter percentage point is likely to have a domino effect across the economy as it gradually pushes up rates for everything from mortgages and credit card rates to small business loans. Consumers with credit card debt, adjustable-rate mortgages and home equity lines of credit are the most likely to be affected by a rate hike, analysts indicate. It’s the cumulative effect that’s important, especially

It Pays to Know Your Tax Options

Over the years as a tax professional, preparing taxes for gay and lesbian clients has always been more challenging than their hetero counterparts. With the legalization of same-sex marriage, the challenges diminished somewhat, but there are still some unique situations to consider when filing taxes. In my inaugural article for SWIM, I hope to provide a little guidance to some common tax questions. Filing Status If you’re married, you must choose a married filing status. You cannot pretend to be not married

FAQs for Individuals of Same Sex Persons Married Under State Law

Q1. When are individuals of the same sex lawfully married for federal tax purposes? For federal tax purposes, the IRS looks to state or foreign law to determine whether individuals are married. The IRS has a general rule recognizing a marriage of same-sex spouses that was validly entered into in a domestic or foreign jurisdiction whose laws authorize the marriage of two individuals of the same sex even if the married couple resides in a domestic or foreign jurisdiction that does not recognize