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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!

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Too young to be a Boomer, too old to be Gen X: Meet the microgeneration 'Generation Jones'

Generation Jones is made up of people born from 1954 to 1965.

generation jones, gen jones, gen jonesers, girls in 1970s, 1970s, teens 1970s
Image via Wikimedia Commons

Generation Jones is the microgeneration of people born from 1954 to 1965.

Generational labels have become cultural identifiers. These include Baby Boomers, Gen X, Millennials, Gen Z and Gen Alpha. And each of these generations is defined by its unique characteristics, personalities and experiences that set them apart from other generations.

But in-between these generational categories are "microgenerations", who straddle the generation before and after them. For example, "Xennial" is the microgeneration name for those who fall on the cusp of Gen X and Millennials.

And there is also a microgeneration between Baby Boomers and Gen X called Generation Jones, which is made up of people born from 1954 to 1965. But what exactly differentiates Gen Jones from the Boomers and Gen Xers that flank it?

- YouTube www.youtube.com

What is Generation Jones?

"Generation Jones" was coined by writer, television producer and social commentator Jonathan Pontell to describe the decade of Americans who grew up in the '60s and '70s. As Pontell wrote of Gen Jonesers in Politico:

"We fill the space between Woodstock and Lollapalooza, between the Paris student riots and the anti-globalisation protests, and between Dylan going electric and Nirvana going unplugged. Jonesers have a unique identity separate from Boomers and GenXers. An avalanche of attitudinal and behavioural data corroborates this distinction."

Pontell describes Jonesers as "practical idealists" who were "forged in the fires of social upheaval while too young to play a part." They are the younger siblings of the boomer civil rights and anti-war activists who grew up witnessing and being moved by the passion of those movements but were met with a fatigued culture by the time they themselves came of age. Sometimes, they're described as the cool older siblings of Gen X. Unlike their older boomer counterparts, most Jonesers were not raised by WWII veteran fathers and were too young to be drafted into Vietnam, leaving them in between on military experience.

How did Generation Jones get its name?

generation jones, gen jones, gen jones teen, generation jones teenager, what is generation jones A Generation Jones teenager poses in her room.Image via Wikmedia Commons

Gen Jones gets its name from the competitive "keeping up with the Joneses" spirit that spawned during their populous birth years, but also from the term "jonesin'," meaning an intense craving, that they coined—a drug reference but also a reflection of the yearning to make a difference that their "unrequited idealism" left them with. According to Pontell, their competitiveness and identity as a "generation aching to act" may make Jonesers particularly effective leaders:

"What makes us Jonesers also makes us uniquely positioned to bring about a new era in international affairs. Our practical idealism was created by witnessing the often unrealistic idealism of the 1960s. And we weren’t engaged in that era’s ideological battles; we were children playing with toys while boomers argued over issues. Our non-ideological pragmatism allows us to resolve intra-boomer skirmishes and to bridge that volatile Boomer-GenXer divide. We can lead."

@grownupdish

Are you Generation Jones? Definitive Guide to Generation Jones https://grownupdish.com/the-definitive-guide-to-generation-jones/ #greenscreen #generationjones #babyboomer #generationx #GenX #over50 #over60 #1970s #midlife #middleage #midlifewomen #grownupdish #over50tiktok #over60women #over60tiktok #over60club

However, generations aren't just calculated by birth year but by a person's cultural reality. Some on the cusp may find themselves identifying more with one generation than the other, such as being culturally more Gen X than boomer. And, of course, not everyone fits into whatever generality they happened to be born into, so stereotyping someone based on their birth year isn't a wise practice. Knowing about these microgenerational differences, however, can help us understand certain sociological realities better as well as help people feel like they have a "home" in the generational discourse.

As many Gen Jonesers have commented, it's nice to "find your people" when you haven't felt like you've fit into the generation you fall into by age. Perhaps in our fast-paced, ever-shifting, interconnected world where culture shifts so swiftly, we need to break generations into 10 year increments instead of 20 to 30 to give everyone a generation that better suits their sensibilities.

This article originally appeared two years ago. It has been updated.

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Employee's 'power-tripping' boss kept scheduling lunch meetings. The payback was brilliant.

"Well, we all have to make sacrifices sometimes."

boss, angry boss, mad boss, benihaha chef, laptop
via Canva/Photos and Heather/Flickr

A boss is fed up with his employee's antics.

One of the most frequently debated topics in professional etiquette is which foods are appropriate to eat in the office. People often take offense when others cook smelly foods, such as fish or broccoli, in a shared microwave. It can also be rude to bring a bag of snacks into a meeting as a lot of folks don't want to hear chewing while they're trying to think.

When it comes to remote workers, people are even less sure about proper eating etiquette. Is it okay to eat a large meal during an all-hands meeting? One remote worker recently claimed they pushed those boundaries to the limit when their boss allegedly did something most employees would find rude: He scheduled meetings during lunchtime and showed zero interest in apologizing for it.

office, office kitchen, office fridge, workers, employees An office kitchen.via Canva/Photos

"I used to take my lunch break at the same time every day - 12 to 1. I don't eat breakfast (just coffee and lots of water), so my lunch is essential, and I can't just skip it," a Redditor wrote. "My calendar was blocked, but my boss (newly promoted, power-tripping) started scheduling meetings right in the middle of it."

At first, it wasn't a problem, but it became a habit. "The first couple of times, I let it slide," the employee continued. "Figured maybe it was urgent. But then it became a pattern. I pushed back and reminded him that it was during my break, and he said, 'Well, we all have to make sacrifices sometimes.'"

spaghetti, mean spaghetti, pasta, italian food, lunch An angry man eating spaghetti.via Canva/Photos

Sometimes? That would make sense if the boss only occasionally scheduled lunchtime meetings, but this was becoming a regular thing. So, the employee decided they wouldn't skip lunch and would make the meeting as uncomfortable as possible.

"Next meeting, I showed up with a full plate of spaghetti and meatballs. Had my camera on and mic unmuted, slurping and chewing, occasionally gave thumbs up while mid-bite," they wrote. "A few days later, it repeated, so I brought sticky wings. Last week on Thursday, it happened again, glad I still had my pizza."

"We all have to make sacrifices sometimes"

After the boss started noticing a trend, he spoke up: "Do you have to eat during the meeting?" The employee had the perfect response: "I smiled and said, 'We all have to make sacrifices sometimes.'" During the following week, the boss didn't schedule any lunch meetings.

The post went viral. After receiving countless awards from readers, the poster joked about new and inventive ways they could get back at their boss, including dressing up as a Benihana chef and performing an onion volcano, heating cheese mid-meeting with a fondue pot, and carving a massive tomahawk steak on camera.

The Redditor also claimed they purposely behaved obnoxiously during the meeting to further drive home their point. But where do people draw the line when it comes to eating during a remote meeting?

Kate Noel, head of People Ops at Morning Brew, said it's important to read the room:

"All Zoom meetings are not created equal," Noel wrote. "If it's with your closest teammates, it's probably nbd. But if you feel nervous about eating your sushi on camera, then you might want to wait until after the awkward goodbye waves at the end of your meeting. Not for nothing, you could probably get away with keeping your video off during a larger group meeting to eat food. But at your own risk, so choose your own adventure."

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Woman gets shamed at CVS for 'son's' unusual name. The reality has people rolling.

"You'll really name your son anything, huh?"

baby names, dog names, golden retriever, name shame, cvs, funny, funny tiktok, funny dog videos, names
@sarahwithscrubs/TikTok, used with permission

Honestly, most of us would have reacted this way.

It started like any ordinary pharmacy errand. A Michigan woman named Sarah was waiting at CVS to pick up a prescription for her “son.” When another woman waiting in line overheard the name of her “son,” she apparently couldn’t help but let out an unsolicited opinion.

“You’ll really name your son anything, huh?” the woman said with a sigh.

The name in question? Whiskey.

baby names, dog names, golden retriever, name shame, cvs, funny, funny tiktok, funny dog videos, names At least it wasn't Bubbles. Photo credit: Canva

Now, if you’re picturing a tiny human in a onesie named after your dad’s favorite Friday-night drink, and feeling a little baffled in the process, don’t worry. So was everyone else.

Except Whiskey isn’t a little boy. He’s a red golden retriever.

Yep. Sarah’s “son” is of the four-legged variety, currently undergoing cancer treatments and racking up a pharmacy bill that could rival a small country’s GDP. She and her husband get his prescriptions filled at their local CVS because (fun fact) many human and animal meds are the same, just at different doses.

baby names, dog names, golden retriever, name shame, cvs, funny, funny tiktok, funny dog videos, names You just know there's a person named Whiskey out there getting a kick out of this. media4.giphy.com

As Sarah explained to Newsweek, this strategy saves them a few bucks, but can certainly lead to some incredible misunderstandings.

In her TikTok video, which has now been watched over 3 million times, Sarah retold this CVS name-shaming incident, and viewers collectively lost it.

@sarahwithscrubs I should’ve thrown in I was picking up his cancer meds too lol 🤭😂 #fyp #foryoupage #storytime #dogs #smallcreator ♬ original sound - sarah renee

One commenter shared, “I was shaming you too until you said dog!” Another wrote, “I mean, Whiskey is a horrible name for a child 😂 But for a dog? Okay lol.”

However, a few folks came to Sarah’s defense. One person noted, “There are women named Brandi—what’s wrong with Whiskey?” Another admitted, “in my 49 years I didn't know CVS filled pet meds!"

It’s the kind of mix-up that reminds us how funny life can be when the human and animal worlds collide. Because let’s face it: Whiskey the dog? Adorable. Whiskey the toddler? Maybe… less so. It might be a mostly unspoken rule, but a rule nonetheless.

As for what became of that misunderstanding, Sarah shared that when the other woman called Whiskey a "horrible" name for a child to grow up with that could lead to getting bullied in school, Sarah quipped back with "Well, he's a dog. So I don't think so." Upon that realization, Sarah told Newsweek that she “apologized very nicely” once she learned that Whiskey was, in fact, a dog.

As Sarah put it, the stranger “just left in a hurry, probably to think about her actions later.”

Meanwhile, TikTok is still chuckling, and celebrating one very good boy with a name that fits him perfectly.

Moral of the story: some names are meant for baby humans, like Zach or Emma. Others are for the fur babies who greet you at the door with a wagging tail and oodles of love…like Whiskey. 🐾🥃

This article originally appeared last year

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An Irish woman went to the doctor for a routine eye exam. She left with bright neon green eyes.

It's not easy seeing green.

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Photo credit: @margoinireland on Instagram

Did she get superpowers?

Going to the eye doctor can be a hassle and a pain. It's not just the routine issues and inconveniences that come along when making a doctor appointment, but sometimes the various devices being used to check your eyes' health feel invasive and uncomfortable. But at least at the end of the appointment, most of us don't look like we're turning into The Incredible Hulk. That wasn't the case for one Irish woman.

Photographer Margerita B. Wargola was just going in for a routine eye exam at the hospital but ended up leaving with her eyes a shocking, bright neon green.

At the doctor's office, the nurse practitioner was prepping Wargola for a test with a machine that Wargola had experienced before. Before the test started, Wargola presumed the nurse had dropped some saline into her eyes, as they were feeling dry. After she blinked, everything went yellow.

Wargola and the nurse initially panicked. Neither knew what was going on as Wargola suddenly had yellow vision and radioactive-looking green eyes. After the initial shock, both realized the issue: the nurse forgot to ask Wargola to remove her contact lenses before putting contrast drops in her eyes for the exam. Wargola and the nurse quickly removed the lenses from her eyes and washed them thoroughly with saline. Fortunately, Wargola's eyes were unharmed. Unfortunately, her contacts were permanently stained and she didn't bring a spare pair.

- YouTube youtube.com

Since she has poor vision, Wargola was forced to drive herself home after the eye exam wearing the neon-green contact lenses that make her look like a member of the Green Lantern Corps. She couldn't help but laugh at her predicament and recorded a video explaining it all on social media. Since then, her video has sparked a couple Reddit threads and collected a bunch of comments on Instagram:

“But the REAL question is: do you now have X-Ray vision?”

“You can just say you're a superhero.”

“I would make a few stops on the way home just to freak some people out!”

“I would have lived it up! Grab a coffee, do grocery shopping, walk around a shopping center.”

“This one would pair well with that girl who ate something with turmeric with her invisalign on and walked around Paris smiling at people with seemingly BRIGHT YELLOW TEETH.”

“I would save those for fancy special occasions! WOW!”

“Every time I'd stop I'd turn slowly and stare at the person in the car next to me.”

“Keep them. Tell people what to do. They’ll do your bidding.”

In a follow-up Instagram video, Wargola showed her followers that she was safe at home with normal eyes, showing that the damaged contact lenses were so stained that they turned the saline solution in her contacts case into a bright Gatorade yellow. She wasn't mad at the nurse and, in fact, plans on keeping the lenses to wear on St. Patrick's Day or some other special occasion.

While no harm was done and a good laugh was had, it's still best for doctors, nurses, and patients alike to double-check and ask or tell if contact lenses are being worn before each eye test. If not, there might be more than ultra-green eyes to worry about.

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Teacher shares her surprisingly wholesome story of learning what ‘Netflix and chill’ means

She chalked this up to being an “oblivious Millennial.”

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Image via Canva

An image of an embarrassed woman interlaid with a picture of two people cuddling while watching Netflix.

For many, if not most of us, when someone uses the term “Netflix and chill,” we know it to be a euphemism for, well, not much TV watching.

And yet, not everyone knows that this phrase has sexual connotations, apparently. At least one 34-year-old female college professor recently admitted to not knowing. Too bad she had been using the phrase as one of her go-to “icebreakers” in class.

A teacher learns she’s been using “Netflix and chill” wrong

As she shared on Reddit, she would often list “Netflix and chill” as one of her favorite hobbies. Not only that, but whenever students mentioned how stressed they were, she would reiterate: “While it's important to study, it's also important to take time to relax and recharge, so I hope they are able to do something for themselves soon, like ‘Netflix and chill.’”

It wasn’t until she visited her husband for lunch at his work and struck up a conversation with two of his co-workers that she discovered her hefty misunderstanding.

“I'm currently on maternity leave and mentioned to his co-workers that I can't wait for my infant to be older so I can ‘Netflix and chill’ again instead of having to feed and change diapers,” she wrote.

When one of the coworkers had a “shocked look on his face,” the OP was “confused.” She couldn’t believe it when this person explained that it’s a “euphemism for hooking up.” And yet, when the other coworker, a 50-year-old female, said, "Oh he's right, even I know what that means!" there was really no denying it.

Photo credit: Canva


Well, understandably, this woman was “mortified” at having learned the truth and was “now terrified I'm going to be reported for sexual harassment because I guess I've been inadvertently telling my students I love to hook up and have been encouraging them to hook up, too??”

In her defense, it's true that “Netflix and chill” used to mean relaxing while streaming, but that was about 17 years ago. The context we are all familiar with has been around since 2015.


She also noted that she and her husband married young and therefore never spent much time on dating apps, which could help explain why she remained unaware. Plus, she lived at home and worked two jobs during her college years, which meant "Netflix and chill” was literally “Netflixing and chilling,” she quipped.

All in all, she chalked this up to being an “oblivious Millennial.” And by that, she meant a “Millennial who is clearly oblivious” to something “invented by Millennials and has been around for at least 10-15 years.”

Reddit's reactions

Down in the comments, people tried to ease her worries about the whole accidental harassment thing.

"They either thought you were adorably clueless, or just a very cool teacher. Don't sweat it."

“Either people figured she didn’t know and thought it was funny or just assumed they’re very open and sex positive. NBD either way.”

“Rate my professor: 10/10. She told me I can come over and netflix and chill anytime 🥵”

Others didn’t let her off so easily, especially when she surmised that her older coworkers also likely didn’t know what it meant.

“I was shocked when I opened the post and saw OP was 34. I expected her to be 64.”

“I am 38 and have known what it means since it’s been around. This definitely isn’t an age thing, this is a living under a rock thing lol”

“I’m an out of touch millennial but that’s been a saying for like a decade now. lol. You might be under a rock.”

Photo credit: Canva


Regardless, the OP has had a good sense of humor despite being mortified. She concluded her post by saying, “Anyone who has lived the past decade+ under a rock like me is welcome to come over to my place and literally chill and watch Netflix with me anytime! I'll supply the popcorn 🤣”

Listen, it’s bonkers when things like this happen, but they do happen. Is it embarrassing? Sure. But does it remind us that life is about laughing at ourselves? Also yes.

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