If you need to generate income from your portfolio, you’ve likely found the last few years rather frustrating. Interest rates have remained near historically low levels since the financial crisis of 2008—and any improvement in yields during the recovery are hardly worth a mention. Traditional sources of dependable payouts—from money market funds to U.S. Treasury notes and government bonds—are generating very little. And when yields eventually increase, the value of fixed income investments will take a hit. This can feel like a lose/lose situation.

It’s a question you hear every time you rent a car: “Would you like to purchase insurance for this rental?” If you’re particularly cautious, you may even be tempted to answer in the affirmative, despite the fact that full supplemental coverage is prohibitively expensive, actually doubling the cost of rentals according to the United Services Automobile Association. Fortunately, there’s a good chance you don’t even need it. Consider the following before you approach the rental counter.

A 2012 study conducted by Aflac, the largest provider of supplemental insurance in the U.S., found that many of today’s workers value workplace wellness efforts. In fact, 28 percent stated that company-sponsored tools to improve health and lifestyle yield greater job satisfaction. Other research has provided statistics on workplace wellness benefits for employers. One analysis of multiple published studies found workplace wellness programs result in an average 28 percent reduction in sick days. They also reduced health costs by 26 percent and workers’ compensation claims by 30 percent.

Winston Churchill, former U.K. Prime Minister, once said, “There is no such thing as a good tax.” Whether you agree with him or not, it is probably safe to say that you’d like to minimize the amount of taxes you pay—in any form—if at all possible. While it’s too late to make changes that will reduce the amount of income tax you’re going to pay on earnings from 2014, you can begin taking steps now that will minimize your 2015 tax burden.

Running a business—whether large or small—comes with a lot of responsibilities. Not least among them is the duty to deal correctly with payroll taxes—from withholding federal and state income taxes when paying employees to contributing your share of FICA and ensuring unemployment taxes are paid. Unfortunately, it’s rather easy to make mistakes, and the penalties for missteps can be quite great. Here are a few of the most common payroll tax errors you should avoid.