S&T Consultations

07/25/2025

People don’t buy products. They buy solutions, status, and feelings.”

✅ Stop just listing what you sell — show what your customer gains.
🧠 Tap into their desires, fears, or goals.
📲 Use content to solve problems, answer questions, or inspire dreams.

-Niqua White

05/29/2025

Let’s celebrate small business month with a credit special!!!!

05/29/2025

💼✨ Happy National Small Business Month! ✨💼

Here’s to the dreamers, the doers, the late-night grinders, and the early risers. Small business owners are the heart of our communities — building with passion, creating with purpose, and showing up with grit every single day. 💪❤️

This month, let’s celebrate the courage it takes to build something from the ground up and the hustle behind every order, post, and customer connection.

📣 Shoutout to all my fellow small biz buddies — I see you, I support you, and I’m cheering you on every step of the way!

Drop your business below so we can all support each other! 👇👇

05/26/2025

Happy Memorial Day from S&T Consultations
Today, we pause to honor the brave men and women who made the ultimate sacrifice for our freedom. Your courage will never be forgotten.

As we reflect on the importance of legacy, we’re also here to help you build yours. Whether you’re focused on fixing your credit, starting a business, or securing your financial future—S&T Consultations is here to support you every step of the way.

Holiday Special: This week only, enjoy exclusive savings on our Credit Sweep Services & Business Start-Up Packages!

Let’s turn your vision into victory.
Contact us at 810-484-1892 or email grow@stconsultations.org to get started.



⸻

05/13/2025

Every move I make now is purpose-driven. I don’t chase, I align. I don’t compete, I dominate in my lane. God’s been clearing the path—now watch me walk it like I own it.

01/26/2025

01/26/2025

🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨🚨Why Didn’t Taxes Come Out of My Paycheck? 🤔💵

If you’re a W-2 employee, taxes should be automatically taken out of your paycheck. But if you noticed that didn’t happen, here’s what could be going on and how to fix it:

1️⃣ What Might Have Happened?
• Incorrect W-4 Form: When you started your job, you filled out a W-4 form. This tells your employer how much tax to withhold. If it wasn’t filled out correctly (or wasn’t filled out at all), your employer may not know to take taxes out.
• Exemption Status: If you accidentally claimed “Exempt” on your W-4, your employer might not withhold federal income tax.
• Employer Error: Sometimes, the payroll system or your employer could make a mistake. It’s rare, but it happens!

2️⃣ What You Should Do NOW

✔️ Check Your Pay Stub: Look for “withholdings” like federal income tax, Social Security, and Medicare. If you don’t see them, there’s an issue.
✔️ Talk to Your Employer: Ask your HR or payroll department if they have your W-4 on file and if it’s correct.

3️⃣ Update Your W-4 Form 📄

The W-4 is the form that tells your employer how much tax to take out of your paycheck. Here’s how to fix it:
1. Go to your HR or payroll department and ask for a W-4 form (or download it from the IRS website).
2. Fill it out carefully:
• Use your most recent pay stub to understand your income.
• If you’re unsure, follow the instructions on the form or use the IRS online withholding calculator.
3. Submit it to your employer ASAP. Your employer will adjust your next paycheck based on your updated W-4.

4️⃣ What If You Owe Taxes? 💸

If taxes weren’t taken out, you might owe money to the IRS. Here’s what to do:
• Save a portion of your paycheck now to prepare for a potential tax bill.
• When filing your taxes, check if you qualify for a payment plan to spread out any amount owed.

🔑 Tip for the Future: Always check your pay stubs regularly to ensure taxes are being withheld properly. Staying on top of this now will save you from a bigger headache later!

Still have questions? Don’t hesitate to ask—I’m here to help! 😊

01/23/2025

🌟 Start Your Business & Get Your Taxes Filed TODAY! 🌟

Are you feeling stuck?
👉 Back taxes piling up?
👉 Want to finally start that dream business but don’t know where to begin?

At S&T Consultations, we make it EASY for you to:
✅ File back taxes and avoid penalties.
✅ Maximize your refunds or reduce your liabilities.
✅ Start your business the RIGHT way, step-by-step.
✅ Get expert guidance without the stress!

🎉 Special Offer: Book today and get 10% OFF when you combine tax filing and business startup services!

📞 Call us now to schedule your FREE consultation: (810) 484-1892

💡 Don’t wait—let’s turn your dreams into reality and get your finances back on track!

Niqua White

01/12/2025

10/13/2024

PSA, If you have an LLC you must fill out a Beneficial Ownership Report for each LLC you have by 12-31-2024 or you will be fined $595 a day til it reaches $100,000, filing is free, small business owners need to get on this ASAP, Thank me later.