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As the end of the year approaches, now’s the time to start preparing for filing your 2024 tax return in 2025. When it comes to tax strategies, generally Dec. 31 is the deadline to make changes that might lower your tax bill. One major exception is the deadline for contributing to a : You have until April 15, 2025, to make a contribution to a Roth or traditional IRA for tax year 2024. If you qualify for , then a contribution to your traditional IRA can reduce your taxable income for 2024. Here are tips and strategies to prepare now for the 2025 tax-filing deadline. If you had significant changes in your life in 2024 — maybe you got married or divorced, started your own business, or had to claim unemployment benefits — your taxes may be more complicated. As a result, you might need to hire a certified public accountant (CPA), enrolled agent (EA) or other tax professional to prepare and file your taxes. If you decide to hire someone, it’s best to start planning for that sooner rather than later. Waiting until the calendar flips to April could cost you. The average fee for a professional to prepare and file a simple Form 1040 tax return, with no itemized deductions, is about $220, according to a survey by the National Society of Accountants in 2020-2021, the most recent data available. But that amount rises quickly for more complex returns, and varies depending on where you live. For example, a Form 1040 with itemized deductions costs an average of $432 in states on the Pacific Coast, compared with $285 in New England. No matter where you live, prices usually rise as the tax deadline approaches, so it’s smart to start searching for a tax pro soon. If you’re uncomfortable doing your taxes on your own and can’t afford a CPA, enrolled agent or other tax pro, or to , there are free options to consider. The IRS currently offers three ways to prepare your taxes for free: •With the IRS Free File program, the IRS partners with for-profit tax-software companies that offer free tax-prep software to eligible taxpayers so they can file their federal tax returns for free. Some taxpayers may also qualify for a free state tax filing, depending on the software provider. In January, the IRS will announce the income limit to qualify for the program for the 2025 tax season (for filing 2024 tax returns). For the 2024 tax season (2023 tax returns), taxpayers’ adjusted gross income (AGI) couldn’t exceed $79,000. •The IRS also offers its Direct File program, a free tool that allows you to file your federal income tax return directly with the IRS at no cost. The program supports simple tax returns and is available only in certain states. Check to see if you qualify here. •Another free-filing option is the Volunteer Income Tax Assistance (VITA) program. IRS-certified volunteers offer free basic tax preparation in person to people who earn less than $67,000 a year, are disabled or whose English is limited. The IRS has an online location tool for hundreds of free tax preparation sites in the U.S. (the locator tool is updated from February through April). Some VITA sites also offer online tax-prep assistance. Now is a good time to create an IRS If you want to see your Form 1040 from last year, or you’re missing a prior year Form W-2 or mortgage interest statement, you can find your documents using this free tax tool. Another benefit of creating an IRS online account is that it allows you to quickly obtain your prior year’s tax information without sitting on the phone for hours with an IRS representative, says Carl Johnson, a certified public accountant in New Orleans. An IRS online account also lets you view your account balance and payment history for each year. You can also create a payment plan to settle your federal income tax debt within minutes. If you’re 73 years old and have enjoyed watching your 401(k) or IRA grow tax-free without touching it, remember that the IRS is going to want its share each year. That means you’ll have to make withdrawals — and pay income tax. If you turned 73 in 2024, plan to take your at the latest by April 1, 2025. Read this for more information. The amount of your RMDs is based on your age and the year-end values of your retirement accounts. A has two big tax advantages over a : Qualified withdrawals are not considered income for federal (and usually state) tax purposes, and you don’t have to take distributions from a Roth every year once you reach age 73. may save you money in the long run. Just know that when you convert an IRA to a Roth, it’s considered taxable income, which will raise your tax bill for that year. Generally, it’s best to convert to a Roth IRA when you’re in a low-income year. As tax season approaches, many people start receiving phone calls, emails and texts from entities claiming to be the IRS. Be wary, and understand that these are scams. Typically, the IRS will mail you a notice before using any other method of communication to notify you concerning issues with your tax return. The IRS won’t reach out via social media or text messaging. Relatedly, the IRS warns taxpayers to be careful when choosing a tax preparer. Taking time to vet your tax preparer is crucial to protect yourself from tax scams and fraud. Before hiring a tax professional, search that person’s name in the to avoid dishonest “professionals.” “Taxpayers should check the tax professional’s credentials,” Johnson says. Tax pros without credentials “may take questionable positions without any degree of scrutiny or fear of losing their access to the profession,” Johnson says. Taxpayers who and owe a tax bill, or who file but don’t on time, risk severe penalties. The IRS can even seize assets if necessary. Respond quickly if the IRS has been sending you letters because it found an error on your return or claims you owe back taxes. Typically, the IRS will send you a notice if you have a balance due, changes were made to your tax return, or the agency needs additional information. “If you ignore a collection letter from the IRS, you may face wage garnishments, liens, bank levies, and other adverse action. And in some cases, the amount due may increase for failure to respond,” Johnson says. Keep in mind the IRS does offer and other payment plans. Make copies of your correspondence and use only the U.S. Postal Service, the postmark from which is your proof of timeliness when responding. But whatever you do, don’t ignore the IRS because this may cause more issues in the future.
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SUNDAY, Dec. 8, 2024 (HealthDay News) -- Shingles can strike anyone who had chickenpox when they were young, and the intense pain that can accompany this body rash has sidelined many a senior. Here, one expert explains how and why shingles can surface, and what you can do to treat it, or better yet, avoid it. Shingles can happen at any age, but it most typically affects people over 50 who have stress and compromised immunity. “Shingles is caused by the varicella-zoster virus. It’s the same virus that causes chickenpox,” said Dr. Eugene Fellin , a family medicine physician at Penn State Health Medical Group – Fleetwood. “For most of us who grew up before the 1990s, when children began being immunized against chickenpox, we’ve been exposed to the virus and are at risk for shingles.” How can shingles surface? After lying dormant in the nervous system for years, the virus can reemerge as shingles, which causes painful rashes that typically surface on the face or around the side of the torso, Fellin explained. “It’s like a poison ivy rash that won’t go away,” he added in a Penn State news release. “It can occur in patches, but along that same nerve root. A lot of times, people feel some tingling or a burning sensation prior to the rash actually breaking out,” Fellin noted. “When we’re looking for the rash, it will be in a string on the torso because the nerves wrap around the torso. You get a line around you, from the back to the front.” “The other issue we worry about is if it breaks out on the face and involves the eye because this can lead to blindness,” Fellin said. “Shingles around the eye is considered dangerous, and an instant referral to an ophthalmologist is always recommended.” What can you take to treat shingles? Antivirals such as Valacyclovir can be prescribed, but they’re time-sensitive and need to be taken within 36 hours of the start of the rash because they work by slowing the spread of the virus, Fellin said. While symptoms subside after three to five weeks, pain can sometimes return in the form of postherpetic neuralgia , he said. This long-term nerve pain occurs where the shingles rash appeared and can last for months or even years. Older adults are more likely to develop postherpetic neuralgia and have longer lasting and more severe pain, Fellin said. Luckily, there is something you can do to avoid shingles altogether: get vaccinated. The U.S. Centers for Disease Control and Prevention recommends the Shingrix vaccine, given in two doses, with the second dose given two to six months after the first. People who get shingles can still receive the vaccine, which can lower the chances of another outbreak, Fellin noted. Most family doctors and pharmacies stock the vaccine, which is covered by Medicare, he added. “Most insurance programs are covering it because it has been out long enough and shows a real benefit,” Fellin said in a Penn State news release. “There’s a lot of misinformation about vaccines circulating out there. My message is this: Don’t be afraid of this or any vaccine.” SOURCE: Penn State Health, news release, Dec. 5, 2024Rest in peace, Dr Manmohan Singh | From September 26, 1932 to December 26, 2024
Japan Current Account n.s.a. came in at ¥2456.9B, above expectations (¥2318B) in OctoberReports: Saints concerned over QB Derek Carr's hand injuryIowa moves on without injured quarterback Brendan Sullivan when the Hawkeyes visit Maryland for a Big Ten Conference contest on Saturday afternoon. Former starter Cade McNamara is not ready to return from a concussion, so Iowa (6-4, 4-3) turns to former walk-on and fourth-stringer Jackson Stratton to lead the offense in College Park, Md. "Confident that he'll do a great job," Iowa coach Kirk Ferentz said of Stratton on his weekly radio show. "He stepped in, did a really nice job in our last ballgame. And he's got a good ability to throw the football, and he's learning every day. ... We'll go with him and see what we can do." Iowa had been on an upswing with Sullivan, who had sparked the Hawkeyes to convincing wins over Northwestern and Wisconsin before suffering an ankle injury in a 20-17 loss at UCLA on Nov. 8. Stratton came on in relief against the Bruins and completed 3 of 6 passes for 28 yards. Another storyline for Saturday is that Ferentz will be opposing his son, Brian Ferentz, an assistant at Maryland. Brian Ferentz was Iowa's offensive coordinator from 2017-23. "We've all got business to take care of on Saturday," Kirk Ferentz said. "I think his experience has been good and everything I know about it. As a parent, I'm glad he's with good people." Maryland (4-6, 1-6) needs a win to keep its hopes alive for a fourth straight bowl appearance under Mike Locksley. The Terrapins have dropped five of their last six games, all by at least 14 points, including a 31-17 loss at home to Rutgers last weekend. "It's been a challenging last few weeks to say the least," Locksley said. The challenge this week will be to stop Iowa running back Kaleb Johnson, who leads the Big Ten in rushing yards (1,328) and touchdowns (20), averaging 7.1 yards per carry. "With running backs, it's not always about speed. It's about power, vision and the ability to make something out of nothing," Locksley said. "This guy is a load and runs behind his pads." Maryland answers with quarterback Billy Edwards Jr., who leads the Big Ten in passing yards per game (285.5) and completions (268). His top target is Tai Felton, who leads the conference in catches (86) and receiving yards (1,040). --Field Level Media
AP Business SummaryBrief at 12:48 p.m. ESTFirst 12-team CFP set: Oregon seeded No. 1, SMU edges Alabama for final spotNBC Sports makes its first foray into doing alternate broadcast on Saturday when it puts the matchup between the and into the realm of the Madden video game universe. The Madden altcast will be streamed on Peacock with the main broadcast airing on NBC, beginning at 1 p.m. EST. It is the first time NBC has done an alternate broadcast of an NFL game. CBS has done at least one game since the 2020 season, while ESPN/ABC have the “ManningCast” as well as animated presentations featuring “ ” and “ .” Amazon Prime Video also has “Prime Vision with Next Gen Stats” during “Thursday Night Football.” “It’s ironic that you want to make the video game as much as actual live play as possible and now you are doing the opposite of trying to make the real game look like the video game,” said Josh Helmrich, the NFL's senior director of media and Next Gen Stats. The altcast on Peacock will blend video game elements — such as Madden 25 graphics, route trees, player cards, button icons on eligible receivers and player ratings — with live action. GenuisIQ will provide real-time data via the league’s Next Gen Stats. There will also be times when animations from the video game — such as touchdown celebrations — will be used instead of live action. NBC has used the “Sunday Night Football” games the last two weeks as test broadcasts to make sure all the technology was working as well as build cohesion in the studio in Stamford, Connecticut, with the announcers doing the game. Paul Burmeister will handle the play-by-play with Madden NFL expert Kurt Benkert and six-time Pro Bowl wide receiver Chad Ochocinco providing commentary. Ochocinco will serve as a real-time player “ratings adjuster.” Henry Leverette, who won the Ultimate Madden Bowl championship ring in February, will also be part of the broadcast. Burmeister noted earlier this week that there will be more hard core football schematic chess match talk on the altcast compared to what might happen on a traditional football broadcast. “I’m really excited to toe that line and weave this in to show how much parallel the game has to the real game itself,” Benkert said. “I think will resonate really well with the younger audience and with people that are used to seeing it in the video game that way.” While the Madden video game is known for the high camera view above the quarterback, that will be used only for replays or to show formations before plays. The traditional sideline camera will be used the most since that better shows route trees and other features most associated with the game. In an added twist, Ochocinco will be able to adjust a player's rating depending on what happens during the game. The Texans (9-5) have clinched the AFC South while the AFC West champion Chiefs (13-1) are looking to remain the conference's top seed. Chiefs QB Patrick Mahomes and tight end Travis Kelce were two of only six players to begin the season with 99 overall ratings in the Madden game. Houston's highest-rated players in Madden are offensive tackle Laremy Tunsil (95) and running back Joe Mixon (93). Eleven players on the Texans and Chiefs rosters have a Madden rating above 90. The Madden altcast also takes on personal meaning for NBC Sports Executive Producer of NFL Fred Gaudelli, who was Madden's producer during the final seven years of his broadcast career. Madden joined ABC's “Monday Night Football” in 2002 before Madden and Gaudelli moved to NBC for the start of “Sunday Night Football” in 2006. “The one thing John held fast is you couldn't put something in the video game that you couldn't do in a real game,” Gaudelli said. “I had some memorable times picking his brain about the advent of the video game and what led him to it. He has been foremost in my mind as we’ve all tried to strategize what this should look like on Saturday.” ___ AP NFL: Joe Reedy, The Associated Press
Cowboys rule out WR CeeDee Lamb for final two games, surgery not expectedVANCOUVER — Bank of Canada governor Tiff Macklem says the central bank is preparing for a future that looks more uncertain and more prone to shocks. In a speech to the Greater Vancouver Board of Trade, he said Monday structural changes are underway in the world including demographic shifts, technological changes, decarbonization and a move away from globalization. "We need to use the pandemic experience to prepare for future crises," Macklem said in a prepared text of his speech. To that end, Macklem says the Bank of Canada is working to learn what it can from how the economy reacted to the pandemic and in its aftermath. The Bank of Canada is conducting a review of the policy actions it took to restore financial stability and support the economy during the pandemic that it plans to publish along with an assessment of an independent panel of experts. Macklem said the spike in inflation in 2022 was a reminder that even though inflation was relatively low and stable for 30 years leading up to the pandemic, central banks cannot take public trust for granted. "All of a sudden, people couldn’t afford the things they need to live. And while inflation is low once again, many prices are still a lot higher than they were before the pandemic. So people feel ripped off. And that erodes public trust in our economic system," he said. The Bank of Canada has cut its key policy interest rate five times this year including last week when it reduced the benchmark by a half a percentage point to 3.25 per cent. Macklem says the bank will be evaluating the need for further reductions in the policy rate one decision at a time and anticipates a more gradual approach to monetary policy if the economy evolves as expected. Statistics Canada reported last month that the annual inflation rate was two per cent in Ontario, hitting the Bank of Canada's target. The speech by Macklem came ahead of the release of the November inflation report on Tuesday. This report by The Canadian Press was first published Dec. 16, 2024. The Canadian Press
VANCOUVER - Bank of Canada governor Tiff Macklem says the central bank is preparing for a future that looks more uncertain and more prone to shocks. In a speech to the Greater Vancouver Board of Trade, he said Monday structural changes are underway in the world including demographic shifts, technological changes, decarbonization and a move away from globalization. “We need to use the pandemic experience to prepare for future crises,” Macklem said in a prepared text of his speech. To that end, Macklem says the Bank of Canada is working to learn what it can from how the economy reacted to the pandemic and in its aftermath. The Bank of Canada is conducting a review of the policy actions it took to restore financial stability and support the economy during the pandemic that it plans to publish along with an assessment of an independent panel of experts. Macklem said the spike in inflation in 2022 was a reminder that even though inflation was relatively low and stable for 30 years leading up to the pandemic, central banks cannot take public trust for granted. “All of a sudden, people couldn’t afford the things they need. And while inflation is low once again, many prices are still a lot higher than they were before the pandemic. So people feel ripped off. And that erodes public trust in our economic system,” he said in his speech. The Bank of Canada has cut its key policy interest rate five times this year including last week when it reduced the benchmark by a half a percentage point to 3.25 per cent. Macklem says the bank will be evaluating the need for further reductions in the policy rate one decision at a time and anticipates a more gradual approach to monetary policy if the economy evolves as expected. Statistics Canada reported last month that the annual inflation rate was two per cent in Ontario, hitting the Bank of Canada’s target. The speech by Macklem came ahead of the release of the November inflation report on Tuesday. This report by The Canadian Press was first published Dec. 16, 2024.Trump's nominee for attorney general a longtime ally
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