As the end of the financial year closes in, many people find themselves scrambling to file income tax returns in time this year. The Internal Revenue Service (IRS) issues strict guidelines for ensuring a smooth and quick tax filing process. The last thing you want is a notification from the IRS citing an issue with the income tax return submission. So, here are six mistakes to avoid when filing your income tax return: Filing returns prematurely You might receive documentation regarding your current financial status, and this information has to be updated with the IRS. Filing prematurely can result in mistakes like omissions that only delay the processing of returns. Choosing the wrong form or filing status The IRS issues several forms for individuals, businesses, commercial establishments, and government entities to file returns. Ensure you choose the correct form and update the filing status on the official website. If there are dependents in the house or you are filing for a joint return, your filing status can vary accordingly. Making calculation errors Adding the wrong amount, excluding critical tax breaks, or even making mathematical errors while computing your income tax return are issues that IRS software can detect. However, miscalculating the return can delay the process. If you are unsure, always get expert assistance from a firm that specializes in tax returns. Adding incorrect details Avoid spelling mistakes, adding inaccurate details about your social security status, or omitting crucial financial information. Enlist the help of a certified accountant or consider using tax filing software to simplify the process of filling out forms. Overlooking important updates The IRS shares regular updates and circulars after the conclusion of any financial year to update citizens about the changes in the tax regime. You should stay informed of all the criteria for successfully filing returns.

One of the more popular choices to power electronics at home amongst consumers is lithium-ion batteries. This is because of the large amount of power they can use at a given size and weight. But occasionally, we hear about such batteries failing and bursting into flames. The phenomenon can result in mild or severe damage in its surroundings. This article discusses five top reasons why some lithium-ion batteries may malfunction. Read on to learn more. Manufacturing defect The functionality of a battery is based on the quality of its manufacturing process. Any flaws during production may lead to impure metallic particles seeping into the unit during assembly. Thinning of separators while manufacturing may also have adverse effects on the health of the battery. So manufacturers must ensure each cell is made in controlled cleanrooms and conduct quality-control tests and validation before being sold. Design flaw While the manufacturing process of a battery might be carried out without hiccups, a flaw in the design might ruin the entire batch. A poor design can cause damage to the electrodes or separate them and lead to a short circuit. Therefore, those designing batteries should check the design multiple times before manufacturing the lithium-ion battery. Usage with incompatible devices Each battery is designed to serve a specific purpose. So one cannot use a bigger battery in a device that only supports a smaller version and expect it to function. Moreover, using incorrect devices in appliances, vehicles, or other devices may also lead to short circuits and fires. Penetrating the battery pack Most battery manufacturers print a set of safety guidelines on a battery that each individual must follow. And though one of the guidelines may include not penetrating the battery pack, some individuals still do it. This can result in short circuits and fires that can cause widespread damage.

In today’s globalized world, phone and video calls are indispensable means of business communication. However, many make communication errors that can affect their reputation and professional relationships. In addition to paying attention and responding politely, you should try to master the skills required for handling client concerns on calls. If you want your calls with clients and colleagues to be smooth and productive, here are a few common errors to avoid during business calls. Being unprepared Not preparing before answering or making a call is one of the most serious mistakes to avoid. Looking up the company or individual, you are calling, gathering relevant data, and making a list of key points to discuss are crucial steps in making business phone calls. Not doing your due diligence could make you seem less confident and unable to effectively convey your message. Not introducing yourself Failing to introduce yourself can confuse people and make them uncomfortable continuing the conversation. So, mention your and the organization’s name at the start of the conversation to ensure everyone on the call knows who is on the other end. Not focusing on the discussion Talking too often, zoning out, and not paying attention to the conversation are signs of ineffective communication. This could lead to misunderstandings or missed opportunities. To avoid this, pay attention to each word and seek clarification if anything seems unclear. Using inappropriate tone or language Using unprofessional language or tone during business calls can damage the organization’s credibility and affect client relationships. It is crucial to choose your words carefully and maintain a professional tone, even when you feel annoyed or angry. Further, avoid using slang or unfamiliar terms on the call. Not following up Not responding or providing key information after a call with a business associate could give the impression that you do not value their time.

Choosing a garden fence sounds like the easiest thing to do. But it is more complex than what may seem on the surface. Individuals need to consider certain crucial factors while picking a garden fence. Otherwise, one may face a range of issues regarding their garden in the long term. To avoid any commonly faced issues, take a look at some key things to consider when choosing a new garden fence. Privacy and security Privacy and security are closely related, and one must select a fence to fulfill both these criteria. If an individual has their garden in a relatively quiet street with a few passers-by, then they may prefer an open and breezy style of fence, such as an arched top paling fence panel. On the other hand, if a garden is on a busy street or a zone in which traffic is excessive and passers-by more than a handful, then a traditional close board fencing panel or a strong and opaque fence is an ideal option. Ultimately, one’s prime goal should be choosing a fence that makes their garden as safe and private as possible. Durability Garden fences must be made from durable and high-grade materials only. Moreover, while selecting fencing materials, one must choose options that provide UV protection and anti-rusting features. Durable and hard-wearing fences that fulfill these two aspects are critical and useful for garden owners. Weather conditions Choosing fences that can withstand various elements is necessary to make them as reliable for the long term as possible. For instance, in areas that are prone to receiving heavy rainfall, using fences made out of wood or materials that may rust is not the right choice. Therefore, one should pick garden fences that come with “all-weather” guarantees to ensure that they last long and provide adequate safety, privacy, and protection under any weather-related circumstances.

While the progress of technology has led to many favorable outcomes, it has also increased opportunities for crime. The term ‘home theft’ used to refer to break-ins and robberies; now, it refers to scammers using technology to commit real estate fraud and steal home title deeds. This can land people into high amounts of debt, lead to foreclosure, or damage their credit scores. So, here are four ways to protect oneself from home title theft: Keep track of mail The post is addressed to one’s registered address. If one stops receiving important posted mail such as credit cards or electricity bills to one’s home, it may be a sign that someone has changed their address. One must keep a careful eye on the mail and report any suspicious activity. Monitor credit reports Everyone can receive one free credit report annually from the three major credit bureaus – Equifax, Experian, and TransUnion. Tap into these resources regularly and monitor the reports and credit scores. Watch out for any suspicious new accounts that may have been created or any unauthorized activity on pre-existing accounts. These steps can help one recognize dubious activity and flag it promptly. Invest in title insurance One must also get coverage for the owner’s title insurance policy. This can help protect one in case any liens or claims are filed against the property they own. Title protection services may also be of interest to some people. Please vet these options carefully before choosing a plan. Be cautious with personal information Home title theft requires a great deal of personal information. Those with compromised data may be at higher risk for these scams. Thus, exercising great care with one’s personal information is important. Take the following precautions to keep personal information safe: Shred unwanted documents containing personal information, such as bank statements or bills.

People renovate their homes to improve the functionality of the space. Some people also renovate to change the aesthetic of their house and give it a new look. In either case, home renovations can be exciting and exhausting at the same time. It is a lengthy process that requires your utmost attention. That being said, things can go wrong; home renovation mistakes can cost you your time, money, and effort, and therefore, should be avoided. Deciding on an unrealistic budget One of the biggest errors that many homeowners make during renovation is not deciding and sticking to a fixed budget. When you are renovating your home, it’s easy to go over and above the budget that you have decided. What you need to do when deciding on a budget before you start your renovations is to make sure that you have some leeway. This way, even if you go overboard on your initial budget, you will not have to spend out of pocket. Experts usually suggest having an extra 20% added to your budget to tackle any additional renovations or hidden costs that may come up. Signing on the first contractor Many people choose to work with the first contractor they come across instead of comparing different options and quotes. To avoid this home renovation mistake, talk to multiple contractors. This step is crucial because it allows you to understand the cost of different products and services cost. A little due diligence can save you a world of trouble. Take notes each time you talk to a contractor and compare them before you decide to settle on one. Don’t forget to ask questions about licenses, insurance, experience, and even customer satisfaction. These aspects will also aid in your decision-making process. Using poor-quality materials Home renovations are not a frequent occurrence.

Veterans and military families can opt for refinancing offers that give homeowners an option to reduce the ongoing interest rate. VA Interest Rate Reduction Refinance Loan (IRRRL), also known as VA Streamline, is the simplest refinance option, which involves minimal paperwork and overhead costs. However, despite the substantial benefits every scheme is different, and it must be thoroughly discussed with an expert. What are the benefits of IRRRL? The interest rates will be fixed, contrarily to how they usually fluctuate depending on the market rate. Additionally, there’s the benefit of monthly payment savings once a family signs up for VA Interest Rate Reduction Refinance Loan. While the VA borrowers are entitled to 0.5 percent funding fee, that too can be waived off under certain conditions. If the veteran develops a disability due to their service, and is not compensated nor given retirement, the family surviving them are entitled to this benefit. How does IRRRL affect the year term? With the help of this VA IRRRL the term year of a loan can be adjusted. If your term loan is of 30 years, one can bring down the term to 15 years. However, the monthly payments will be increased. So, it’s recommended that one must calculate the monthly payment and the interest cost over 20 years to understand what’s a better choice. Cash-out is an option with IRRRL VA Interest Rate Reduction Refinance Loan (IRRRL) allows cash-out on certain terms and conditions and it must be applied before the window of 90 days closes. Additionally, a VA-backed loan can replace one’s current loan with another under new terms and conditions, and it holds an option of cash-out of home equity. Most people opt for cash-out of home equity to be able to pay for student loans, debts, make home improvements, medical needs, and other essential needs.

Subscribing to super-cheap cell phone plans is a great way to save money on your phone bills. Besides, requiring more data doesn’t always mean you need to spend more on cell phone plans. Some of the best cell phone plans out there offer more for cheap. If you’re on the lookout for affordable plans, check out the super-cheap cell phone plans from these providers. Tello If you’re looking for a new cell phone plan, Tello offers one of the cheapest plans out there. Some of its cell phone plans cost as little as $10 per month. Although these might offer limited data, users often get other unlimited services like calls and texts and free mobile tethering. Plus, there is no contract involved. Tello offers some super-cheap cellphone plans for those on a budget without the requirement for a lot of data. Mint Mobile Mint Mobile is one of the best options if you’re looking to save big bucks with cheap cell phone plans. Some of the plans from this provider can cost as low as $15 a month. These plans are affordable and offer generous data packages, and you can also opt for 3-, 6-, or 12-month plans to bring down the cost. The plan includes 4GB of data with 5G/4G LTE per month and unlimited nationwide talk and text. Visible There are not many prepaid plan options from Visible, but its one plan offers unlimited data at affordable prices. This might not exactly be the super-cheap cell phone plan you’re looking for, but you can also get 5G access, depending on the phone you use, and Visible uses Verizon’s super-fast network. Their standard plan costs $40/mo after the first month at $25. Twigby For those who have Verizon coverage in their areas but are looking for cheaper alternatives, Twigby offers super-cheap cell phone plans.

Cholesterol is a naturally-produced essential fatty substance in the body. The type of fat found in the blood helps the body build healthy cells, thereby ensuring it functions smoothly. However, excess cholesterol is harmful as it can lead to fatty deposits in the blood vessels, narrow or clog the arteries and increase the risk of heart conditions. Below are six foods that help lower cholesterol levels and also improve heart health. 6 superfoods that help lower cholesterol levels Apples Apples are rich in a type of soluble fiber called pectin that brings down cholesterol levels by about 10 percent. It also helps reduce triglycerides, which is a type of fat in the blood. In addition to their fibrous content, apples also contain polyphenols, which could help control cholesterol levels. Avocados Avocado contains monounsaturated fatty acids or MUFAs, which keep the cholesterol levels in check and help in keeping the heart healthy. This fruit contains about 10 grams of fiber. You can pair it with whole grain, pumpernickel, or rye toast to make it even more fibrous. Add a squeeze of lemon juice or sprinkle some herbs like oregano for extra flavor. Dark chocolate Cocoa in dark chocolates contains flavonoids that control blood pressure levels and lower cholesterol. However, dark chocolates contain sugar and fats, so it is advisable to opt for unsweetened variants and have them in limited quantities. Fatty fish Having salmon, mackerel, and sardines regularly helps prevent serious heart conditions. The omega-3 fats in the fish are full of eicosapentaenoic acid (EPA) and polyunsaturated fats that prevent cholesterol from shooting up and decrease triglycerides in the bloodstream. This maintains heart health. Nuts and seeds Almonds, walnuts, cashew, hazelnuts, pistachio, peanuts, pecans, and other varieties of seeds are full of vitamin E, protein, magnesium, and potassium that lower blood pressure and decrease the risk of heart ailments.

Booking a hotel room online before is a pretty straightforward and quick process. In fact, it’s so simple that many travelers overlook a few crucial aspects before booking, which ends up costing more time and money. What’s even worse is that a seemingly-minor misstep can spoil your entire vacation. If you want the best deals and make the most out of your trip, here are some common hotel booking mistakes you must absolutely avoid. Booking at an inopportune time When you book a hotel at the wrong time, you often end up paying a lot more. “Wrong” here means you’re booking too early or late. That being said, there’s no single best time to book, but you must consider the popularity and seasonality of your destination and monitor rates for a few days before booking. Assuming there’s no better deal Nearly every booking website claims to offer the best online hotel deals. But taking their word would be unwise. Compare prices across different sites and check if they’re offering promotions. Sometimes, the lowest prices are available on a hotel’s official website, so you might want to check that too. Not paying with a credit card Always use credit cards for hotel bookings. This path is typically the only means of getting cash-back bonuses, rewards, and free stays, among other benefits. More importantly, credit cards offer fraud protection and immediate refunds for mischarges, which are not offered for payments made through debit cards and cash. Booking without checking reviews Most hotel rooms look spacious, luxurious, and spotlessly clean in pictures, but the reality can be quite different. Reading reviews helps you know whether the hotel is how it looks. In addition, reviews can give you an idea of the quality of service and overall stay experience. Booking non-refundable rooms Non-refundable rooms are cheaper than regular ones, but keep in mind that booking such a room is a high-risk option.

Charitable work is overwhelming and exhausting, but it’s undeniably fulfilling at the same time. Being able to give back to a community that helps shape your life and future is a definitive way to address several issues we face in society. Building a sense of belonging through empathy will go a long way in creating healthy safety nets for people. Let’s look at how charity impacts the strength of a community. Creates a sense of fellowship Being involved in local activities and causes brings you closer to your community and creates a sense of security. These are your neighbors with whom you share a space, and wouldn’t it be nice to interact and evolve with them? Charity events are a good place to socialize with like-minded people, ensuring that some of your interests are similar and creating a solid groundwork for a cordial relationship. Utilized for specific causes Charities work toward solving specific problems in the community. These causes could be issues like justice for all genders, free education for all, and shelter for the homeless. If your community is struggling with an issue, there may be people working towards solving that problem. Helping a cause with several people is much better than just one person trying to make a difference. Societal upliftment While working with a charitable group, you will undoubtedly find the right people to connect with. Aligning your goals with theirs will help you uplift your community for the better! You all come with the same mindset and different skill sets, which can be extremely helpful. Charity in the form of donating your time and effort is also appreciated and not just money. Strengthens personal values Another way charity impacts the community is by strengthening the personal values of people who are getting involved. Empathy, compassion, and understanding are some of the most human traits that can strengthen community service and charity work.

People renovate their homes to improve the functionality of the space. Some people also renovate to change the aesthetic of their house and give it a new look. In either case, home renovations can be exciting and exhausting at the same time. It is a lengthy process that requires your utmost attention. That being said, things can go wrong; home renovation mistakes can cost you your time, money, and effort, and therefore, should be avoided. Deciding on an unrealistic budget One of the biggest errors that many homeowners make during renovation is not deciding and sticking to a fixed budget. When you are renovating your home, it’s easy to go over and above the budget that you have decided. What you need to do when deciding on a budget before you start your renovations is to make sure that you have some leeway. This way, even if you go overboard on your initial budget, you will not have to spend out of pocket. Experts usually suggest having an extra 20% added to your budget to tackle any additional renovations or hidden costs that may come up. Signing on the first contractor Many people choose to work with the first contractor they come across instead of comparing different options and quotes. To avoid this home renovation mistake, talk to multiple contractors. This step is crucial because it allows you to understand the cost of different products and services cost. A little due diligence can save you a world of trouble. Take notes each time you talk to a contractor and compare them before you decide to settle on one. Don’t forget to ask questions about licenses, insurance, experience, and even customer satisfaction. These aspects will also aid in your decision-making process. Using poor-quality materials Home renovations are not a frequent occurrence.