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06/25/2026

❤️ * New Website * ❤️

06/25/2026

Raising children with a healthy self esteem

A healthy self-esteem isn’t built by constant praise or perfect grades; it grows when children feel loved, capable, and safe to make mistakes.

As one pediatric health resource puts it, “the single most important factor in maintaining a child's self-esteem is the presence of an adult who demonstrates respect and acceptance and who provides support that conveys the message, ‘I believe in you.’”

https://atriumhealth.org/dailydose/2023/07/26/helping-your-child-feel-their-best (https://atriumhealth.org/dailydose/2023/07/26/helping-your-child-feel-their-best)

How I counsel parents to raise a child with healthy self-esteem

As a pediatrician, I look for a simple pattern: children thrive when home life tells them, “You matter, your effort matters, and setbacks are part of learning.” Healthy self-esteem is supported by a sense of security, belonging, purpose, trust, and competence.

- Show steady love, not performance-based approval. Make sure your child knows they are valued for who they are, not just for what they do.

- Praise effort, not just outcomes. Notice persistence, practice, and problem-solving—not only trophies, grades, or visible success.

- Let them try hard things. Age-appropriate challenges, new skills, and small risks teach children they can cope, improve, and recover from mistakes.

- Be a calm model. Children learn self-talk from the adults around them, so your response to frustration, disappointment, and failure matters.

- Give them real responsibilities. Chores, choices, and small decision-making opportunities help children feel useful and competent.

- Listen without shaming. When a child is upset, being heard first is more helpful than immediate correction; validation helps them feel understood and safe.

- Encourage healthy friendships and activities. Sports, clubs, hobbies, and other peer experiences give children places to belong and succeed.

- Use feedback carefully. Correct the behavior, not the child. Specific, respectful guidance teaches growth; harsh criticism and sarcasm damage self-worth.

What I tell parents to avoid

- Do not overpraise in a way that feels empty. Children usually know when praise is unearned, and that can backfire.

- Do not rescue them from every struggle. If adults solve everything, children miss the chance to build resilience and confidence.

- Do not tie love to achievement. Children who feel accepted only when succeeding may struggle to develop stable self-worth.

👨‍⚕️A practical pediatrician’s formula

- Warmth: frequent affection, attention, and acceptance.
- Structure: consistent expectations and boundaries.
- Opportunities: chances to try, contribute, and succeed.
- Repair: support after mistakes, disappointments, and setbacks.

In my practice, the children with the strongest self-esteem are rarely the ones who never struggle. They are the ones who have learned, over and over again, that struggle does not change their worth. 🙏

06/25/2026

NEW CHANGES 2026: SOCIAL SECURITY

In the United States, several major Social Security changes took effect in 2026 that affect benefits, taxes, eligibility, and payments for retirees, workers, and disabled beneficiaries:

- Higher Cost-of-Living Adjustment (COLA) for 2026: COLA is 2.8%, raising the average monthly retirement benefit by about $56 (from $2,015 to $2,071). Average married-couple benefits rise by about $88.

- Increased Social Security tax wage cap: The wage cap for Social Security taxes in 2026 is $184,500 (up from $176,100), so higher-income earners pay taxes on more income and earn more credits toward future benefits.

- New tax break for seniors (age 65+): A new deduction for people 65 and older can reduce or fully offset taxes on Social Security income; eligible taxpayers can reduce taxable income by up to $6,000.

- Changes to the earnings test (work income limit): For beneficiaries not yet at Full Retirement Age (FRA), $1 is withheld for every $2 earned above $24,480 (up from $23,400). In the year someone reaches FRA, $1 is withheld for every $3 earned above $65,160 (up from $62,160). Once FRA is reached, no earnings limit applies and withheld benefits are restored.

- SSDI income limits increased: For most SSDI beneficiaries the substantial gainful activity (SGA) limit is $1,690/month (up $70); for SSDI due to blindness the limit is $2,830/month (up $130).

- Higher credits needed for benefits: One work credit is earned for every $1,890 in 2026 (up $80). To earn the maximum 4 credits in a year requires $7,560 in covered earnings.

- Social Security Fairness Act (WEP/GPO eliminated): The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) were repealed, raising benefits for millions of people (including many teachers, firefighters, police, federal employees, and foreign workers). Affected beneficiaries received retroactive and one-time payments for earlier years.

- Medicare Part B premium increase: The standard monthly Medicare Part B premium rose to $202.90 in January 2026 (an increase from the prior year).

- Claiming Age Clarity Act (terminology changes): Legislation passed renaming terms such as “early eligibility age” to “minimum monthly benefit age” and “full retirement age” to “standard monthly benefit age,” clarifying terminology and potentially signaling future policy shifts.

These changes affect retirees, current workers, disabled beneficiaries, and seniors in 2026.

We can calculate how a specific change affects your benefits or taxes. Let us know how we can help!

Carlos Gonzalez Varela CPA
787-744-0750
Cegvcpa.com
[email protected]

Fundación del Colegio de Contadores Públicos Autorizados de Puerto Rico has a new website! 🥳🎉🎊🎈🥂🪅There is much discussio...
06/12/2026

Fundación del Colegio de Contadores Públicos Autorizados de Puerto Rico has a new website! 🥳🎉🎊🎈🥂🪅

There is much discussion about the island’s abundant talent — capable of addressing its own challenges — and this organization is a noteworthy example. The foundation is very active, researching, educating, and offering smart, viable ideas to improve the economy of the island. They have launched an interesting podcast lead by its President, CPA Rolando López Rivera, addressing current economic developments affecting Puerto Rico and maintain a very active social outreach program to support and benefit the island.

The organization invites the people of Puerto Rico to collaborate by being part of the change, contributing ideas or supporting its projects. Visit their page. Become a member. Share your ideas. Be part of the change!

Also, “like” and “follow.”
Fundacionccpa.com

06/12/2026

Visit their new website, fundacionccpa.com then like and follow the Fundación Colegio de Contadores Públicos Autorizados de Puerto Rico to support initiatives that enhance the island’s well‑being by responsibly leveraging and strengthening local resources. Join their efforts to advance community-focused projects, financial education, and sustainable development that benefit all Puerto Ricans.

There is much discussion about the island’s abundant talent — capable of addressing its own challenges — and this organization is a noteworthy example. They have launched a new podcast that discusses current economic events affecting Puerto Rico. 🙏

04/05/2026

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Saint Petersburg, FL
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