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7 secrets to getting more money back on your tax returns.

How to maximize your tax return!

There are plenty of ways the average American can claim major tax benefits.

As we trudge forward into tax season, here are seven secrets to pulling in more money in tax deductions each year — secrets taken straight from the knowledge bank of those who know it best.

1. Bunch your deductions.

GIF from “Hail, Caesar!”

If you're a salaried employee, and you get paid on a W-2 tax basis, you should pool your itemized deductions as much as possible. Itemized deductions are eligible expenses you can report on your tax returns to lower your taxable income.

The more deductions you take over that 2% adjusted gross income threshold, the lower your income tax bill will be. What does that mean, exactly? Well if you have planned deductible expenses, like medical care, spread out over the next couple years, try to pay for them all this year. That way you can claim them as one lump sum on your Schedule A tax form, and you get more money back.

2. Take your work-from-home deduction.

Image by krzyzanowskim/Flickr.

If you work from home, you can deduct a surprising number of things. One big one is the portion of your house that you use for work. This space must be used exclusively for work, on a regular basis, either as your principal place of business or as a place to meet with patients, clients, or customers. For example, if you have a four-room apartment and use the second bedroom only as an office, you can deduct a quarter of your annual rent plus utility fees. But that’s just the beginning. You can also deduct your cell phone bill, Internet bill, all office supplies, including your computer, shipping costs, advertising costs, membership dues, and business travel — just to name a few.

3. Count your out-of-pocket charitable contributions.

GIF from “Sense and Sensibility."

If you regularly buy pet food for the animals you foster from your local shelter, you can deduct it. If you do a lot of driving for your kid’s charitable after-school program, you can deduct 14 cents for every mile. Charitable donations come in many forms, not just big checks. It may take some time to parse it all out, but it definitely adds up.

4. Put money into retirement ... starting now.

Whenever you contribute to a Roth 401(k) or a Roth IRA account, you’re setting yourself up for success because you don’t have to pay taxes on that amount when you withdraw it. The Roth 401(k) in particular has no income limitations, so if you’re employed full-time by a company that offers 401(k) options, you’re eligible. You can deduct the contribution you make to it from your annual taxable income too (an all-around win). The best part is this growing chunk remains tax-free until you retire, so the more you put in there, the better.

5. Don’t forget about state sales tax!

Image by Philip Taylor/Flickr.

This primarily affects states that don’t impose an income tax at all: Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming. In these states, you can deduct the sales tax you paid on any large or expensive items you purchased, as long as the tax isn’t over the state’s general sales tax rate. The IRS has a handy calculator to help you total these types of deductions.

6. Outsmart the capital gains tax.

GIF from “Spaceballs.”

Stockholders who have stocks that did well this year and who want to sell them normally have to pay a 20% capital gains tax on them. However, the tax is actually taken on the difference between gains and losses, so if you sell stocks that took a loss along with ones that made a profit — rather than selling them one at a time — you’ll be cancelling out that tax altogether. Oh, and you’ll be simultaneously knocking off the income tax you’d normally have to pay on up to $3,000 of your annual income. Win.

7. Get paid through dividends rather than income.

Own your own business? Here’s a little trick from the one-percenters: you pay less taxes on dividends than you do on salaried money. So if you make less than $400,000 a year and you turn a good portion of your income into dividends (a distribution of your company's earnings to its shareholders), you’ll only have to pay a 15% income tax on it. However, you’ll still need to designate a reasonable amount of your income to your salary; otherwise, you’ll get some negative attention from the IRS.

With these pro tips, you're off to a good start.

So share these tips with your family and friends and then enjoy an extra coffee with that extra cash in your wallet. Get 'em in soon – tax season will be over before you know it!

From Your Site Articles
Science

Researchers dumped tons of coffee waste into a forest. This is what it looks like now.

30 dump truck loads and two years later, the forest looks totally different.

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One of the biggest problems with coffee production is that it generates an incredible amount of waste. Once coffee beans are separated from cherries, about 45% of the entire biomass is discarded.

So for every pound of roasted coffee we enjoy, an equivalent amount of coffee pulp is discarded into massive landfills across the globe. That means that approximately 10 million tons of coffee pulp is discarded into the environment every year.


When disposed of improperly, the waste can cause serious damage soil and water sources.

However, a new study published in the British Ecological Society journal Ecological Solutions and Evidence has found that coffee pulp isn't just a nuisance to be discarded. It can have an incredibly positive impact on regrowing deforested areas of the planet.

via British Ecological Society

In 2018, researchers from ETH-Zurich and the University of Hawaii spread 30 dump trucks worth of coffee pulp over a roughly 100' x 130' area of degraded land in Costa Rica. The experiment took place on a former coffee farm that underwent rapid deforestation in the 1950s.

The coffee pulp was spread three-feet thick over the entire area.

Another plot of land near the coffee pulp dump was left alone to act as a control for the experiment.

"The results were dramatic." Dr. Rebecca Cole, lead author of the study, said. "The area treated with a thick layer of coffee pulp turned into a small forest in only two years while the control plot remained dominated by non-native pasture grasses."

In just two years, the area treated with coffee pulp had an 80% canopy cover, compared to just 20% of the control area. So, the coffee-pulp-treated area grew four times more rapidly. Like a jolt of caffeine, it reinvigorated biological activity in the area.

The canopy was also four times taller than that of the control.

Before and after images of the forest

The forest experienced a radical, positive change

via British Ecological Society

The coffee-treated area also eliminated an invasive species of grass that took over the land and prevented forest succession. Its elimination allowed for other native species to take over and recolonize the area.

"This case study suggests that agricultural by-products can be used to speed up forest recovery on degraded tropical lands. In situations where processing these by-products incurs a cost to agricultural industries, using them for restoration to meet global reforestation objectives can represent a 'win-win' scenario," Dr. Cole said.

If the results are repeatable it's a win-win for coffee drinkers and the environment.

Researchers believe that coffee treatments can be a cost-effective way to reforest degraded land. They may also work to reverse the effects of climate change by supporting the growth of forests across the globe.

The 2016 Paris Agreement made reforestation an important part of the fight against climate change. The agreement incentivizes developing countries to reduce deforestation and forest degradation, promote forest conservation and sustainable management, and enhance forest carbon stocks in developing countries.

"We hope our study is a jumping off point for other researchers and industries to take a look at how they might make their production more efficient by creating links to the global restoration movement," Dr. Cole said.


This article originally appeared on 03.29.21

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climate change
Family

Woman sparks dialogue after saying she doesn't take advice from men no matter how successful

"I tend to take their advice with a grain of salt," says Paige Connell.

Courtesy of Paige Connell

Woman says she doesn't take advice from men.

Being a woman comes with certain expectations, no matter where in the world you live. Becoming a mother adds another layer to those expectations, with traditional society often not considering the impact on the woman experiencing that shift. For instance, many women work outside of the home and are still expected to be the one who figures out which childcare center would be best.

Women are also often expected to put their careers on hold to stay at home if it's decided that outside childcare isn't feasible. Sure, some dads may do the heavy lifting in this area, but that's not a societally expected thing. Because these things are typically expected of women, men don't generally have to consider many of the logistics of children if they're partnered with a woman.

Paige Connell sparked a conversation when she shared on social media that she doesn't take advice from men, even if it's their job. On the surface that sounds harsh, even though she clarifies that she considers the advice but takes it with a big grain of salt, and her reasoning involves the invisible labor aspect.

"I do not tend to take a lot of advice from men, even the most successful men. And I mean advice in the form of self-help books, podcasts from successful men or just men in general. I tend to take their advice with a grain of salt because I do not think it is applicable to women and mothers in particular," Connell share before revealing her reasoning.

In the video she shares that she was recently listening to "The Diary of a CEO" podcast where the man talked about all the risks he took, including moving from Connecticut where his young child and ex-girlfriend live to New York. Connell pointed out through the entire episode detailing his risks and upward mobility, he never mentioned his child, which caused her to surmise that it was because childcare concerns weren't a part of his journey.


@sheisapaigeturner I do not often take advice from men, even the most successful of men, because the common thread is usually that they were able to become successful, because there was a woman standing beside them, or behind them, supporting them. Without acknowledging this, the advice means very little because women often don’t have men standing besides them, or behind them to support them. #caseyneistat #diaryofaceo #millennialmom #workingmom #wfhmom #corporatemom #successfulwomen ♬ original sound - Paige


She continued explaining how the burden of childcare tends to fall on women, working and nonworking, allowing the male parent to be free to corporate climb uninhibited by the worry. Connell shares that she prefers to listen to professionally successful moms because they share the help needed with childcare and how they navigated these spaces being the default parent. Others agreed to much of what she was saying.

"I came to a similar conclusion…I have read quite a few books of men going on their 'hero’s journey' where they did all these extravagant endeavors and eventually found success or enlightenment. But nothing about how a mother deep in the trenches of child raising is the [true] hero’s journey. Motherhood can chew you up and spit you out. A mother dies a million deaths and finds strength to continue to show up for her child day and night. Motherhood changes and refines us. No mother goes unchanged after motherhood. It is late nights and isolation. The flames of motherhood, the true hero’s journey," one person revealed, describing her own experience of realization.

"I love that you talk about it. Also all the so called geniuses, poets, writers, great personalities were able to accomplish all they did because their wives babysat their 8 kids at that time," someone else sighed in frustration.

"Couldn’t agree more. It’s the equivalent of men being able to work late, work weekends, put in the face time, to get ahead - whilst someone else is looking after their children," another wrote.

"I remember reading one comment in the daily routine of a successful writer. He had four kids and yet he could write for 6 hours daily during the day. Never once mentions his household manager, cook, cleaner, nanny—his wife," a commenter pointed out.

What do you think? Should more women be talking about this reality when it comes to the success of their male partners?

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women's issues
Family

Naming twins is an art. Here are some twin names people say are the best they've ever heard.

With twins, all the regular pressures of having a baby are doubled, including choosing a name.

Photo credit: Canva

Are you in favor of rhyming twin names? Or is it too cutesy?

Having twins means double the fun, and double the pressure. It’s a fairly known rule to name twins in a way that honors their unique bond, but that can lead to overly cutesy pairings that feel more appropriate for nursery rhyme characters than actual people. Plus, it’s equally important for the names to acknowledge each twin’s individuality. Again, these are people—not a matching set of dolls. Finding the twin baby name balance is easier said than done, for sure.

Luckily, there are several ways to do this. Names can be linked by style, sound or meaning, according to the baby name website Nameberry. For example, two names that share a classic style would be Elizabeth and Edward, whereas Ione and Lionel share a similar rhythm. And Frederica and Milo seem to share nothing in common, but both mean “peaceful.”

Over on the /NameNerds subreddit, one person asked folks to share their favorite twin name pairings, and the answers did not disappoint.

One person wrote “Honestly, for me it’s hard to beat the Rugrats combo of Phillip and Lillian (Phil and Lil) 💕”

A few parents who gave their twin’s names that didn’t inherently rhyme until nicknames got involved:

"It's the perfect way! Christmas cards can be signed cutely with matching names, but when they act out you can still use their full name without getting tripped up.😂"

"The parents of a good friend of mine did this: her name is Allison and her sister is Callie. Their names don’t match on the surface, but they were Alli and Callie at home."

“Alice and Celia, because they’re anagrams! Sound super different but have a not-so-obvious implicit connection.”

This incited an avalanche of other anagram ideas: Aidan and Nadia, Lucas and Claus, Liam and Mila, Noel and Leon, Ira and Ria, Amy and May, Ira and Ari, Cole and Cleo…even Alice, Celia, and Lacie for triplets.

Others remembered name pairs that managed to sound lovely together without going into cutesy territory.

twin names, twins, babies, baby namesThese matching bunny ears though. Photo credit: Canva

“I know twin toddler boys named Charlie and Archie and they go so well together,” one person commented.

Another wrote, “Tamia and Aziza. I love how they follow the same sound pattern with the syllable endings (-uh, -ee, -uh) without being obnoxiously matchy matchy.”

Still another said, “Lucy and Logan, fraternal girl/boy twins. I think the names sound so nice together, and definitely have the same 'vibe' and even though they have the same first letter they aren't too matchy-matchy.”

Other honorable mentions included: Colton and Calista, Caitlin and Carson, Amaya and Ameera, Alora and Luella, River and Rosie, and Eleanor and Elias.

One person cast a vote for shared style names, saying, “If I had twins, I would honestly just pick two different names that I like separately. I tend to like classic names, so I’d probably pick Daniel and Benjamin for boys. For girls my two favorites right now are Valerie and Tessa. I think Val and Tess would be cute together!”

Overall though, it seems that most folks were fans of names that focused on shared meaning over shared sound. Even better if there’s a literary or movie reference thrown in there.

twin names, twins, babies, baby namesMany adult twins regret that their names are so closely linked together. Photo credit: Canva

“My mom works in insurance, so I asked her. She’s seen a lot of unique ones, but the only twins she remembers are Gwenivere [sic] and Lancelot... bonus points... little brother was Merlin,” one person recalled.

Another shared, “If I had twin girls, I would name them Ada and Hedy for Ada Lovelace and Hedy Lamarr, both very early computer/tech pioneers. Not that I’m that into tech, I just thought it was a brilliant combination.”

Other great ones: Susan and Sharon (think the original “Parent Trap”), Clementine and Cara (types of oranges), Esme and Etienne (French descent), Luna and Stella (moon and stars), Dawn and Eve, plus various plant pairings like Lily and Fern, Heather and Holly, and Juniper and Laurel.

Perhaps the cleverest name pairing goes to “Aubrey and Zoe,” since…wait for it… “they’re A to Z.”

It’s easy to see how naming twins really is a cool opportunity for parents to get creative and intentional with their baby naming. It might be a challenge, sure, but the potential reward is having the most iconic set of twins ever. Totally worth it!

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babies
Joy

15-year-old surprises his sister with a wedding dance and there's not a dry eye anywhere

The song starts with a recording of them singing together as children.

Avery Albrecht/TikTok

The beautiful bond of brother and sister

Weddings are often catalysts for happy tears, but sometimes an extra special moment or gesture pushes it into "everybody grab a tissue" territory.

This video is one of those. Don't say we didn't warn ya.

Avery Albrecht shared a clip from her wedding reception in which her baby brother asked her for a dance. But Albrecht had no idea what kind of surprise the 15-year-old and her parents had in store for her. As the music begins, we hear children's voices singing—the two of them singing Phil Collins' "You'll Be in My Heart" together as children. And then the real song begins, with the bride and her brother—along with everyone watching—in a puddle.

Watch all the way to the end:

"There wasn't a dry eye in the house," Albrecht shared. There doesn't appear to be a dry eye on the internet, either.

"Stop it!! It’s 4 am in Sydney, and I'm a 43-year-old man sobbing while hiding under a blanket with my wife and 2 kids on the same bed, 😭" shared one person. "Family is the most important precious thing in the world!! ❤️"

"I went from cracking up about a stupid Hello Kitty video to sobbing in under three minutes. That must be so confusing to my central nervous system," shared another.

"I have to stop watching these things at work… people are thinking I am depressed, 😂" wrote another.

Some people shared how much it reminded them of their close sibling relationships:

"One of the most beautiful things I’ve seen. And being a much older big sister of littles (not little anymore by a long shot), I know the exact place this came from."

"I don’t know if she’ll read this but sweetheart you are so lucky! Please give your baby brother a hug for me. I lost my little brother 19 years ago this past June while I was pregnant with my first born son. I named him after him. And miss him so very much. 😢❤️"

"My little brother had a severe case of cerebral palsy and Down syndrome. He’s gone, but as I am watching this video, I can’t stop wondering what my life would be if he was healthy and still around… same about my older sister, who had also passed away. Crying my heart out now."

"Awwwwwwwe! The sweetest! You can tell how close you both are! Me and my sister are 12 years apart and she got married when I was 12 and she moved out and I had THE HARDEST time and cried almost everyday for a month!! ! I still would go over to her house and spend the night all the time… and then when she had children I became the built in babysitter for my nieces and nephew (also my fave ppl on the planet) She’s always was and still my very best friend. ♥️♥️"

Here's to the beautiful bond siblings can share, the families that nurture those bonds and this sweet brother-sister pair who gave us all the cleansing cry we needed.

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Family

Daughter fulfills mom's dying wish of helping her pick the perfect wedding dress

They even made up a fiancé to make it happen.

Photo credit: Canva

Sometimes our happiest memories have a dash of sadness to them.

It was Amy Astrauskas’ dying wish was to see her daughter Emily Elizabeth Creighton in a wedding dress.

Though Creighton had no wedding plans on the horizon, she was able to help that dream come true for her mom—and managed to capture the touching moment on camera.

In a video posted to her Instagram, Creighton explained that her mom actually called a nearby bridal and lied, saying her daughter was getting married, which Creighton joked was “such a savage move.”

As they sipped champagne and answered “a million questions” about this made-up fiancé, Creighton tried on dress after dress, each more gorgeous than the last. The joy felt in the clip is palpable, to say the least.

Finally, they did indeed find the one. And it’s on hold for when and if Creighton decides to tie the knot.

“Honestly one of the funniest and saddest moments of my life,” she said “But now, even though she’s gone, I get to say she helped me to pick out my wedding dress.”

People were, understandably, moved by the entire thing.

“What a beautiful story! I’m sure it was one of the best days of her life ❤️❤️,” one person wrote.

Another added, “Wow that’s beautiful and sad and just sums up life. ❤️”

A few even shared their own similar stories.

“I was a bridal consultant and this happened. But I knew it was her dying wish, and we did a whole bridal photo session. She ended up buying it and got married a couple of years later in that dress. One of my proudest moments as a consultant.,” one person commented.

“Me and my sweet Mumma did the same when she was dying. It’s one of my most precious memories. I have a video of her saying ‘we said yes to the dress!’ No dress was purchased 😂 I am so sorry for your loss but so happy you also shared this beautiful memory with your darling mum 🥰” wrote another.

In an interview with Today, Creighton shared that even though her mom (who died of breast cancer on March 2021 at age 63) will no longer be around to actually see the wedding, it will have all the other details she had previously conjured up. All except one tiny thing.

“The only thing that has changed is, my mom thought the person at the end of the aisle would be a man!” Creighton quipped, since she came out as gay in 2022. Still, she knows her mom would have been “totally fine with it.”

“All my mom ever wanted was for me to be happy."

What a beautiful reminder to truly savor whatever time we have on this Earth with the people who matter the most.

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