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Top 5 tax-deductible charity contributions

Top 5 tax-deductible charity contributions
Donating to charities is a meaningful way for individuals to contribute to society and gain personal benefits. Unbeknownst to many, charitable contributions made in the country make an individual eligible for tax advantages, creating a win-win scenario. Contributions like cash donations, non-cash donations like clothing or household items, stocks, etc., can lead to tax benefits. Explore some tax-deductible charitable gifts and donations below to understand how to make a positive impact while enjoying financial advantages. Cash donations Cash donations are one of the simplest ways to contribute to charitable causes and get tax benefits. Cash donations can be made in various ways, including checks, credit cards, or through payroll deductions made by one’s employer. If one is donating cash to qualified public charities, it allows them a tax deduction of up to 60% of their adjusted gross income (AGI) in a year. Furthermore, making cash donations to private foundations allows individuals a tax deduction of up to 30% of their AGI. To claim tax deductions, one must keep records of their donations, such as bank statements, canceled checks, or receipts and acknowledgment letters from the charity. Non-cash donations Besides cash, donating goods such as clothing, furniture, or household items can also yield tax benefits.

5 common mistakes people make with their fridge

5 common mistakes people make with their fridge
It is a common practice for many people to stuff their grocery haul into the fridge and call it a day. While stocking a fridge is quick and easy, this approach can do more harm than good. It can increase the risk of food spoilage and hamper the optimal functioning of the fridge. To ensure the appliance’s durability and lower the risk of food spoilage, avoid these common mistakes people often make with their fridge. Not making the most of the fridge space A common problem many face is that the fridge space is not enough to store everything they want. But if one looks closely, they will find many things inside the fridge that have eaten up some necessary space—for instance, bottles of expired sauces or juice boxes and yogurt tubs that have gone bad. A common mistake many people commit is forgetting to declutter their fridge, making it difficult for them to make the most of the available space. Keeping the temperature too high or too low It is important to set the fridge temperature at the correct level depending on the weather conditions. For instance, the fridge temperature can be at the lower end during warm and hot months and towards the higher end during colder months.

8 common mistakes people make when using ovens

8 common mistakes people make when using ovens
An oven is an integral part of a kitchen. Whether cooking full-blown meals, comfort food, or pre-packaged microwavable foods, the oven ensures the job is done easily and swiftly. Like all kitchen appliances, the oven also requires occasional maintenance. However, people make several mistakes while preparing food in the oven or cleaning the appliance, which can affect its efficiency and shelf life. Here are some mistakes one should avoid. 1. Relying heavily on the self-cleaning feature Many ovens come with a self-cleaning that makes the cleansing process convenient. However, one must not rely on the feature regularly, as it isn’t a substitute for regular cleaning. It may also not work on ovens that are extensively used. One should always refer to the manufacturer’s instruction manual before using the self-cleaning feature or cleaning the oven. 2. Failing to install surge protectors Thunderstorms or lightning strikes are major risk factors to an electric oven’s operation. One could have a surge protector plugged in during the oven installation to protect it from extreme weather or excess voltage. 3. Overloading the oven While time might be of the essence when preparing multiple meal courses, one should not cook too many things simultaneously. Doing so reduces the overall performance and increases the risk of appliance fires.

Top 6 ways to get a free cell phone

Top 6 ways to get a free cell phone
Mobile phones have become indispensable tools today, helping one communicate, carry out professional tasks, and entertain themselves. However, the advances in mobile phone technology can make newer phones expensive. Nevertheless, there are some ways in which one can get a new mobile phone for free and stay connected to the world. From promotional offers to government programs, here are some of the best ways to find a mobile phone for free: 1. Carrier deals One of the best ways to get a new mobile phone for free is to look for deals offered by phone carriers. Network providers can offer a complimentary phone, provided one switches to that particular carrier. These deals typically do not require one to trade in their old device. However, certain terms and conditions may apply, including making a commitment to the carrier for a specified period. 2. Government programs To those facing financial constraints, the government extends support and offers free mobile phones through programs like Lifeline and the Affordable Connectivity Program (ACP). Lifeline provides eligible individuals with free or discounted phones and service plans. Here, the eligibility criteria include income level at or below 135% of federal poverty guidelines. Similarly, ACP extends free phones to those with income at or below 200% of the federal poverty guidelines.

Top 6 mistakes to avoid when trying to get out of debt quickly

Top 6 mistakes to avoid when trying to get out of debt quickly
The road to financial freedom and stability is often laden with obstacles, and making mistakes can hinder this progress. A debt-free life begins with staying accountable to one’s financial goals. Failing to track progress and reassess budgets regularly can lead to complacency. It is essential to be aware of common mistakes, such as the ones mentioned below, and steer clear of them to achieve one’s goal of getting out of debt quickly. 1. Refusing to alter spending habits A common mistake individuals make when trying to repay debt is not altering their spending habits. This is one of the root causes of debt accumulation, which may lead to a cycle of financial strain and hinder progress towards becoming debt-free. To avoid this, one can reassess their budget and cut unnecessary expenses. One can find cheaper alternatives and alter routines in a way that helps save money. For example, one can make food at home and set a budget limit for takeaways or dine-outs, buy ingredients that are easy to store in the refrigerator in bulk, and carpool with friends or family for grocery shopping. Alternatively, one can make a shopping list, stick to it while grocery shopping, and unsubscribe from streaming services that one does not use.

4 handy tips for using food vacuum sealers

4 handy tips for using food vacuum sealers
When it comes to food storage, the importance of food vacuum sealers cannot be overstated. Sealers remove the air around the food, helping keep the food safe and hygienic for long periods. As food is perishable, vacuum sealing can keep air, moisture, dust, and other external elements at bay, increasing the shelf life of food by days, weeks, and even months. So, here are tips for using food vacuum sealers: 1. Freeze meats before sealing Freezing meat can prolong its shelf life. So, when transporting meat, a crucial step to follow is to freeze the meat right before vacuum-sealing it. This helps prevent bacterial growth in the meat when it is being transported. The sealing should be done immediately after the freezing, as many bacteria thrive at room temperature. The combination of freezing and sealing helps make it easier to thaw the food and, by extension, makes meat-based dishes taste fresh and delicious. Following the right order in storing perishable items helps one make the most of vacuum sealers. 2. Cover sharp food edges with wax paper Foods like beef jerky and dehydrated fruits or snacks can be challenging to store due to the thinness of the vacuum bags. They come with sharp edges, which can puncture the thin vacuum bags.

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4 common myths about diabetes debunked

When the glucose levels in the body are high and insulin levels are not proportionate enough to convert this glucose into energy, the risk of diabetes increases. It is basically the inability of the body to convert food into energy using insulin. The glucose is broken down into energy for cells to absorb and when this conversion doesn’t take place, blood sugar levels rise. If left unchecked, it can lead to a number of complications. However, there are certain myths about diabetes that can create confusion among the masses. Here is what you must know and understand about the condition. Myth 1: Type 1 and type 2 diabetes are the same. The fact of the matter is that both type 1 and 2 are linked to insulin deficiency that causes diabetes. In type 1 diabetes, the body is unable to produce any insulin, and people suffering from this condition must rely on regular doses of insulin to supplement these requirements. Type 1 diabetes is also an autoimmune disorder that is mostly diagnosed in children. In type 2 diabetes, the body still manages to produce insulin but the cells are unable to absorb the compound necessary for converting food into energy. Depending on the severity of the condition, people suffering from type 2 diabetes may or may not need insulin shots. Myth 2: Insulin dependence Nothing can be further from the truth that insulin is a lifesaving medication and absolutely necessary for people suffering from severe diabetes. The body cannot convert food into energy without insulin. How the supply is replenished does not matter as there is a need for the deficiency to be managed better. People with type 2 diabetes can still manage a healthy lifestyle and reduce their dependence on insulin to a great extent. However, it is a mandatory medication for those who have type 1 diabetes.

The risk factors associated with dehydration

Dehydration is the loss of fluids from one’s body. It can be caused due to something as simple as not having an adequate water intake or perhaps a severe medical side effect. The symptoms of fluid loss caused due to this condition can affect people of all ages. From toddlers and infants to older adults, one can experience mild to severe dehydration depending on the primary cause of the same. Herein, we shall try and understand the severity and risk factors associated with dehydration in people of different ages. Children and infants At a very young age, infants and children are more susceptible to bacterial infections that cause vomiting and diarrhea. Both result in the rapid loss of fluids. Note that infants lose more fluids in comparison to adults. Young children, especially toddlers, unlike adults, may also not realize when they are thirsty. This increases the risk of staying dehydrated unknowingly until severe symptoms indicate the same. It is one of the main reasons why doctors prescribe electrolyte-rich fluids for children experiencing a high fever to help replenish the lost fluids. Seniors and older adults Adults after a certain age face more difficulties as the body gradually loses its ability to conserve water. One’s sense of thirst also becomes acute with old age, which further increases the risk. Individuals might not feel thirsty enough to have the recommended intake of water every day, further causing problems due to the loss of fluids. Furthermore, dehydration can be a direct result of certain prescription medications used for treating diabetes. The side effects can result in a fluid imbalance as medications increase the urine output, thus resulting in a higher loss of fluids from the body. Many medications also list vomiting and diarrhea as potential side effects and both can trigger a severe loss of fluids in the body.

Must-have nutrients and foods for optimal eye health

Our sensory organs are extremely essential in our daily life. Without them, we wouldn’t be able to stand straight, see things, taste, communicate, and live the way we do. But the power of sight is one of the most important of them all. Maintaining good eye health is necessary, and, unsurprisingly, making healthy lifestyle and dietary choices is crucial for this. So, here are a few nutrients you should add to your daily diet to keep your vision in top-notch condition: Vitamin A The deficiency of vitamin A is one of the most common causes of blindness across the globe. Why is this vitamin so important? Well, for starters, it helps manage and maintain the light-sensing cells in your eyes. A lack of vitamin A can cause dry eyes and other serious eye conditions. Best food with vitamin A content: To get the right amount of vitamin A in your diet and maintain optimal eye health, include foods like apricots, carrots, spinach, and yam in your diet in plenty. Vitamin C Vitamin C is present in high concentration in the aqueous humor (the liquid in the outermost part of the eye). The amount of this vitamin in the aqueous humor is proportional to the amount in your diet, and research has proved that people with cataracts tend to have low amounts of vitamin C in their bodies. Best dietary sources of vitamin C: Citrus fruits like oranges, kiwi, lime, and strawberries are all great sources of vitamin C. Broccoli and Brussels sprouts are also healthy sources of this vitamin. Omega-3 fatty acids Omega-3 fatty acids EPA and DHA are essential to maintain good eye health. DHA aids eye function. It is present in the retina and is an integral part of brain and eye development in children. Evidence also proves the benefits of omega-3 supplements for people with dry eyes.

Understanding the different aspects of a flu outbreak

Flu or influenza is a contagious respiratory illness caused by the influenza virus. It can result in mild to severe illness and health complications. A severe flu infection can result in hospitalization and can even prove to be fatal, especially in young children, older people aged above 65, and people with underlying health conditions. There are two main types of flu viruses: Type A and Type B virus. The illness can be periodical and result in seasonal flu epidemics each year. The cold, flu, and its symptoms such as cough is caused due to the type of the viruses mentioned above. Influenza may not always be considered by most people as a serious illness, its symptoms comprising a runny nose, headaches, cough, and muscle pain can be confused with those of a heavy cold. Yet reports suggest that seasonal influenza can claim up to 650,000 lives every year. That is why influenza vaccinations are important because they protect people, especially those in at-risk categories, such as young children, the elderly, pregnant women, and people with vulnerable immune systems or underlying health conditions. What most of us call “the flu” is essentially seasonal influenza because it comes around in the coldest season twice a year, once in the Northern hemisphere’s winter, and once in the Southern hemisphere’s winter in temperate zones of the world. The flu circulates year-round in the tropics and subtropics, which makes it more contagious. The worst part about the influenza virus is that it constantly mutates, enabling it to evade the mechanisms of our immune systems. The virus learns from the responses of the human body and creates a suitable defensive mechanism to survive the attack by the immune system. When a new virus emerges, it can easily infect people and spread due to its contagiousness. Very little to no immunity to a new strain can lead to a simple outbreak becoming an epidemic or a pandemic within no time.

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5 Early Bird Black Friday Deals One Can Get Right Now

5 Early Bird Black Friday Deals One Can Get Right Now

Entrepreneurs who want to turn their ideas into full-blown, successful ventures often look for grants to make that happen. As rewarding as applying for a grant can be, many applicants face pitfalls that can diminish their chances of securing funding. Additionally , with many individuals applying for grants , the process has become highly competitive. This also means that aspiring entrepreneurs cannot afford to make mistakes during the application process that could jeopardize their chances of success. Poor research When applying for a grant, one needs to do thorough research on potential lenders, including their priorities and requirements. Applying for grants that are not aligned with the organizational goals, needs, and values should be avoided. As an aspiring entrepreneur, it’s important to steer clear of funding partners with unrealistic or incompatible expectations. Doing adequate research will help increase one’s chances of securing funding. Failing to include supporting documents When one applies for a grant it is important to include supporting evidence to back any business idea. If one is unable to provide the documentation necessary to confirm and validate the proposal, grant reviewers may not consider the application. Not introducing oneself and the venture It is a common mistake to assume that the funder has read about the venture before speaking to the potential entrepreneur. It is essential to introduce oneself and state the organization’s objectives so that the lender is clear about this information. The document should also cover minute details about the organization, how the program promotes the funder’s missions, and the requirements that will be served in the process. Too much-written content An introduction is important, but it is equally vital to stick to the point. Most foundations conduct the proposal process online, which gives one a limitation on how much they can include in the written document.
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Expected Black Friday deals on GMC Sierra models

Expected Black Friday deals on GMC Sierra models

The GMC Sierra is a popular pickup truck, with powerful towing capabilities, modern infotainment features, and a refined engine. It’s available at many dealerships across the country and can be bought at any time. However, it’s recommended to shop for this truck during Black Friday. While this year’s sale hasn’t begun yet, one can get a hint about what deals to expect on different Sierra models based on last year’s offers and current price trends. GMC Sierra 1500 Elevation RWD The rear-wheel-drive Sierra 1500 Elevation has a few useful features. Some of these include automatic climate control, a backup camera for parking assistance, Bluetooth connectivity, Android Auto and Apple CarPlay compatibility, keyless entry, lane departure warning, fog lights, a customized tow package, and side-impact airbags. Right now, some dealerships in the country are offering cash discounts of $3,500 to $3,700, purchase allowances of $1,500 to $1,800, and bonus cash discounts of $1,700 to $1,800 on the Sierra 1500. During Black Friday, one can expect similar deals on the vehicle. GMC Sierra 1500 Elevation 4WD Like the RWD variant, the all-wheel-drive Sierra 1500 Elevation comes loaded with eye-catching features. It also has a powerful, efficient 2.7-liter engine that produces 310 horsepower and 430 lb-ft of torque. This engine is paired with a quick-shifting 8-speed automatic transmission. The truck has a trailer capacity of 8,900 lbs. Currently, some dealerships are offering this model with attractive leasing options. One of the deals includes a 24-month lease for $620 per month. One has only to pay $3,223 at signing, and there’s no security deposit. This deal includes 12,000 miles of travel coverage per year. Anyone looking to get the Sierra 1500 Elevation 4WD can expect similar lease offers for Black Friday. Some dealerships may even offer lower down payments, more attractive installment payments, and steep discounts on this pickup truck.
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