Think of a seed breaking free from its shell to reach the sunlight. It doesn’t linger on the dark soil it left behind; instead, it uses that energy to grow and reach for the sky, becoming a towering tree. Embracing change is about doing just that—pouring our energy into new possibilities instead of staying stuck in what’s behind us.

Holding on to the past only keeps us tied down to what no longer serves us. It can stall our growth and blind us to the potential of the present. By turning inward and nurturing seeds of positivity, love, and acceptance, we start building something new. This practice can grow into a beautiful garden of mindfulness, compassion, and gratitude.

Building the new doesn’t mean ignoring the past. Every experience, whether joyful or tough, shapes us and brings valuable lessons—lessons in resilience, strength, and the ability to adapt. When we acknowledge our past, we can use that wisdom to make choices that help us plant seeds of positive change in the here and now.

So, how do we start this journey? By embracing the present moment. Practice mindfulness, pay attention to your thoughts, feelings, words, and actions. With this awareness, you can start choosing your responses thoughtfully, moving away from resistance and toward acceptance.

Another key is gratitude. Appreciate the lessons of the past and the blessings in your life right now. Gratitude opens our hearts, letting love and positivity flow. It’s the foundation of a future full of joy and fulfillment.

Change isn’t about fighting what was; it’s about building what’s next. By choosing to nurture the seeds of growth, we open ourselves up to endless possibilities. Embracing change, with a heart open to whatever comes, creates space for a brighter, more meaningful path forward.

Some people choose not to file a tax return because they aren’t legally required to file, but they could be missing out on refundable tax credits or an income tax refund. This could apply to someone if they:

• Have had federal income tax withheld from their pay.
• Made estimated tax payments.
• Qualify to claim refundable tax credits.

Don’t miss out on valuable tax credits

A few tax credits people can claim on a federal tax return if they’re eligible include:

• Earned Income Tax Credit – The EITC helps workers who earned $63,398 or less in 2023 when they file a federal tax return. Taxpayers can use the EITC Assistant on IRS.gov to check their eligibility.

• Child Tax Credit – Taxpayers can claim the Child Tax Credit if they had a qualifying child under the age of 17 at the end of 2023.

• Credit for Other Dependents – Taxpayers who don’t qualify for the Child Tax Credit may qualify for the Credit for Other Dependents. This includes people who have:
  • Dependent children who are age 18 or older at the end of 2023.
  • Parents or other qualifying individuals they support.

• Education credits – The American Opportunity Tax Credit is for qualified education expenses for the first four years of higher education. The Lifetime Learning Credit is for qualified tuition and related expenses paid for eligible students enrolled in an eligible educational institution.

Get help deciding whether to file

The Interactive Tax Assistant provides answers to many common tax law questions based on an individual’s specific circumstances. It can help someone decide whether they should file a tax return and if they’re eligible for many common tax credits.

The tool is safe. It keeps the user anonymous and discards the information they provide when they exit a tool.

E-file to get a refund faster

The fastest way to get a tax refund is to e-file and select direct deposit. The IRS issues most refunds for e-filed returns in less than 21 days.

The IRS knows that understanding and meeting tax obligations is vital to the success of all businesses, especially a new one. IRS.gov has the resources and information to help people through the process of starting a new business.

Here are some tips for new entrepreneurs.

Choose a business structure

The form of business determines which income tax return a business taxpayer needs to file. The most common business structures are:

• Sole proprietorship: An unincorporated business owned by an individual. There’s no distinction between the taxpayer and their business.
• Partnership: An unincorporated business with ownership shared between two or more people.
• Corporation: Also known as a C corporation. It’s a separate entity owned by shareholders.
• S corporation: A corporation that elects to pass corporate income, losses, deductions and credits through to the shareholders.
• Limited Liability Company: A business structure allowed by state statute.

Choose a tax year

A tax year is an annual accounting period for keeping records and reporting income and expenses. A new business owner must choose either:

• Calendar year: 12 consecutive months beginning January 1 and ending December 31.
• Fiscal year: 12 consecutive months ending on the last day of any month except December.

Apply for an Employer Identification Number (EIN)

An EIN is also called a Federal Tax Identification Number. It’s used to identify a business. Most businesses need one of these numbers even if they don’t have employees.

It’s important for a business with an EIN to keep the business mailing address, location and responsible party up to date. IRS regulations require EIN holders to report changes in the responsible party within 60 days. They do this by completing Form 8822-B, Change of Address or Responsible Party and mailing it to the address on the form.

Have all employees complete these forms

• Form I-9, Employment Eligibility Verification U.S. Citizenship and Immigration Services
• Form W-4 Employee’s Withholding Allowance Certificate

Pay business taxes

The form of business determines what taxes must be paid and how to pay them.

Visit the state website

Prospective business owners should visit their state’s website for info about state requirements.

Each year, June 15 – World Elder Abuse Awareness Day (WEAAD) – promotes awareness about elder neglect and abuse.

In the United States, an estimated 1 in 10 adults over the age of 60 experience some form of abuse each year.

Nearly 80% of Social Security beneficiaries are 65 and older, and we want to do what we can to protect them.

Here are 5 ways to help prevent your loved ones and other older adults from becoming victims of abuse:

Learn the signs. Be on the lookout for physical and emotional abuse, as well as signs of financial abuse, neglect, or abandonment. You’ll find more information here.

Prevent isolation. Call or visit your loved ones and check on them regularly. Ask them how they’re doing and if they’re getting the care they need. People who are isolated are more likely to be abused.

Provide information. Make your loved ones aware of resources like community centers, law enforcement agencies, and advocacy organizations that they can turn to if they need help.

Be a friend. Commit to visiting an older person in your community and be a lifeline, if they need one.

Spread the message. Contact local media outlets and neighborhood programs and encourage them to participate in World Elder Abuse Awareness Day.

We are all responsible for ensuring that everyone can age with dignity and live without fear of abuse.

In underserved and tribal communities, which may not have outreach programs, you can be the link between older adults and the resources they need.

For more information on elder abuse prevention, visit www.ncea.acl.gov or call 855-500-3537 (ELDR). Share this message on social media, with friends, family, and local organizations.

Back in 1966, a trailblazer named Dr. Maulana Karenga dreamt up Kwanzaa. A professor and activist, he aimed to create a celebration that rekindled the flame of African heritage within the hearts of the African American community. And voila, Kwanzaa was born! The name itself comes from Swahili, meaning “first fruits” (matundaya kwanza).

Now, let’s unwrap the seven principles, the heart and soul of Kwanzaa – Unity (Umoja), Self-Determination (Kujichagulia), Collective Work and Responsibility (Ujima), Cooperative Economics (Ujamaa), Purpose (Nia), Creativity (Kuumba), and Faith (Imani). These principles aren’t just fancy words; they’re a roadmap to infuse our lives with meaning, connection, and a sprinkle of love.

Fast forward to 2023, and the impact of Kwanzaa is like a ripple of positivity. In a world buzzing with chaos, Kwanzaa nudges us to stand together, to champion our uniqueness, and to take responsibility for our collective wellbeing. It’s a reminder to be the architects of our dreams, to channel our creativity, and to nurture unwavering faith.

So, from the Minding My Business Family to you, Happy Kwanzaa! Let’s light those candles together, embracing the warmth of unity. As we journey through the principles, let’s be inspired by the spirit of Kwanzaa to create a world where purpose flourishes, creativity blooms, and faith lights our way. Here’s to standing united – not just during Kwanzaa but every day. Cheers to a season of joy, connection, and the beautiful tapestry we weave together.  (Kwanzaa Celebration: December 26, 2023-January 1, 2024).

To all our valued subscribers, we extend warm wishes for a joyful Christmas season. We sincerely appreciate your unwavering support as we passionately advocate for lifelong financial literacy. As we continue our mission to reach a wider audience and provide them with the necessary tools for financial freedom, we kindly request your assistance in spreading this valuable information to the masses. Together, we can empower individuals to reclaim their power and eradicate financial illiteracy. Although our website was just launched this month, we have been diligently sharing content on the significance of financial literacy for the past few years. Let us join forces and work towards a future where everyone is financially literate. We are committed to leaving no one behind.

A Culinary Journey Awaits:

In this workshop, we invite you to explore the art of pastry-making, from mixing the finest ingredients to mastering the art of presentation. Your taste buds are in for a tantalizing treat as you embark on a journey of taste and creativity.

Expert Guidance:

With our expert pastry chef as your guide, you’ll learn the secrets behind crafting beautiful, mouthwatering desserts that will have your friends and family begging for more. It’s not just about baking; it’s about unlocking your culinary potential and igniting your passion for creating edible masterpieces.

Interactive Experience:

Don’t miss the icing on the cake—a 15-minute Q&A session where you can pick the brain of our experienced chef. Whether you’re a baking novice or an experienced home cook, this workshop is designed to motivate and inspire you to create sweet delights like never before.

Discover the Joy of Pastry-Making:

Join us on this mouthwatering adventure and discover the joy of pastry-making in your own kitchen. Unleash your inner pastry chef and treat yourself to the decadent world of desserts. Your culinary dreams are just a workshop away!

Class Details:

• Maximum 25 Students: Our classes are intimate, ensuring personalized attention for an optimal learning experience.
• Cost: $25.00

Secure Your Spot:

Classes will host a maximum of 25 students, so head over to www.mindingmybusiness.black and secure your spot. We will be waiting to embark on this culinary journey with you. The workshop cost is $25.00—an investment in your culinary skills that will pay off in delicious dividends. Join us and let the pastry adventure begin!

Crafting Cocktails, Creating Memories:

In our online Mixology Workshop, we’re unwrapping the secrets to concocting sensational cocktails that will turn your taste buds into dance partners. From the essential spirits – vodka, gin, rum, tequila, and whiskey – to the vibrant freshness of lemons, limes, and oranges, we’ve got all the ingredients to elevate your mixing game. Discover how to whip up simple syrup, infuse it with exciting flavors, and learn the art of transforming your cocktails from good to legendary with a dash of bitters. Vermouth, fruit juices, herbs, and spices – it’s a full exploration of the art of mixing.

No Rules, Just Creativity:

The beauty of mixology lies in its freedom. There are no hard and fast rules; it’s an art form, and your palate is your canvas. We encourage you to trust your taste buds, embrace experimentation, and relish those happy accidents that might just lead you to your next signature drink.

Ready, Set, Mix!

Grab your e-toolkit (you receive electronically once you purchase the workshop), keep a notebook handy, and let’s raise our glasses to your mixology journey. Cheers to crafting cocktails as vibrant as your spirit! The best part? We’ve got a slot held just for you.

Zooming into Mixology:

Classes will be hosted through Zoom, creating a virtual space for shaking, stirring, and sipping. Head over to www.mindingmybusiness.black and get registered for an intimate and promisingly great time. The courses run for 2 hours, followed by a 15-minute Q&A session. Promptness is key, so let’s start on time.

Refunds, Reschedules, and Responsibly Enjoying:

Please note that this is a non-refundable class. However, life happens, and if you need to reschedule, you have one reschedule date to make up the class. Just shoot us an email at info@mindingmybusiness.black three days before the class, and we’ll make it happen. We don’t want you missing out on the fun!

Again, please be aware that this workshop is non-refundable. However, we understand that unforeseen circumstances may arise, so if you need to cancel or reschedule, kindly notify us at least 48 hours in advance for groups of 5 and under, and 14 days in advance for groups of 6 or more.

Perfect Gift and Private Events:

Mixology On Demand classes make a fantastic gift for birthdays, anniversaries, or any occasion. Check out our E-Gift cards on our website. For private group events, reach out to us at www.mindingmybusiness.black with “Private Event Request” in the subject line.

And remember, Minding My Business doesn’t support underage drinking or drinking and driving – so let’s enjoy responsibly and savor the flavors together! Cheers to creating unforgettable cocktail moments!

Why Join Us in the Kitchen?

• Professional Chef Instructors: Hailing from various cities across the U.S., our chefs are ready to share their culinary expertise with you.
• Real-Time Cooking: Cook along with your chef in their own kitchen, receiving step-by-step instructions to create mouthwatering meals from scratch.
• Intimate Class Size: No overcrowded kitchens here! Enjoy an intimate class with a maximum of 25 paid spots, ensuring personalized attention.
• Interactive Experience: Ask questions, share tips, and connect with fellow participants throughout the class, fostering a sense of community in the kitchen.
• Family & Friends Bonding: Invite your loved ones to join! Whether it’s a unique date night, a family cooking experience, or a virtual gathering with friends, our workshops are designed for shared fun.

How It Works:

• Step 1: Prepare Your Cooking Station
  • Gather your ingredients and equipment as per the provided list. (Note: Costs for ingredients and equipment are not included in the registration fee.)
• Step 2: Join the Virtual Kitchen
  • Click on the Zoom link provided in your confirmation email to join your chef’s virtual kitchen.
• Step 3: Cook in Real Time
  • Follow along with the chef and other participants, culminating in a delicious meal ready to savor!

House Rules:

• Class Length: 2 hours, followed by a 15-minute Q&A session. Promptness is key, so let’s start on time!
• Preparation: Review the recipe and ingredients, go shopping and be prepared with ingredients chopped the night before for a seamless experience.
• Refund Policy: Non-refundable class; cancellations or reschedule requests must be made at least 48 hours in advance for groups under 6 and 14 days for groups of 6 or more.

Gift the Experience:

Chef on Demand classes make fantastic gifts for birthdays, anniversaries, or any occasion. E-Gift cards are available on our website.

Private Events:

For private group events, reach out to us at www.mindingmybusiness.black with “Private Event Request” in the subject line.

So, are you ready to turn your kitchen into a culinary playground? Dive into the world of flavors with Minding My Business Chef on Demand workshops. Let the cooking adventures begin.  Meet you in the kitchen!!