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Tel: 416.512.9874No. 667 / April 25, 2013 VIII
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Tel: 416.512.9874No. 667 / April 25, 2013 94
Tel: 416.512.9874No. 667 / April 25, 2013
Javanan Toronto would love to hear your stories about life in our city they may be in Farsi or English. Each week we will print new stories allowing us and you to keep in contact. Please send your stories to [email protected] Attention RozaWe look forward to interacting with our readers
5
Smarte
st
Ways t
o
Spend
Your
Tax Re
fund
Roza Fox
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Tel: 416.512.9874No. 667 / April 25, 2013
Getting a tax refund can seem a bit like winning a small lottery. In 2012, more than 120 million taxpayers got 322.7$ billion in refunds, according to the Internal Revenue Service. That worked out to an average of 2,860$ per person.
A refund can be tempting to spend -- in fact, one-third of Americans planned to shop with their 2013 refund, according to a Capital One Bank survey. Of those, 30 percent are putting it toward everyday expenses; 23 percent, a vacation; and 15 percent, electronics. But there are ways to use that money that can improve your financial situation now and for the future.
Pay Down Debts
If youre past due on an account, the best use of refund money is to make payments and get back in good standing, says Gail Cunningham, the vice president of membership for the National Foundation for Credit Counseling. Then, pay down high-interest debt.
This would seem to be a good idea since the average household had 7,122$ in credit card debt according to January 2013 figures from the Federal Reserve. Yet only 37 percent of those surveyed by American Express said they would use a refund to pay down debts.
Paying off credit cards with typical interest rates effectively makes an investment that returns 20 percent or more per year, says Kevin Gallegos, the vice president of Phoenix operations for Freedom Financial Network. He says you should start with the cards with the highest rates or the lowest balances.
Lessening a RefundA refund isnt the lucky windfall it initially appears to be. Youre just getting back money you lent the government for the year; if youd instead put that money into a savings account or invested it, you might have earned some extra
money. A big refund can also indicate that something is awry.
Evaluate your withholding. Ask your employer for the necessary form, a W4-, to have less tax money withheld from your paycheck. That will increase your paycheck and reduce your refund, says Kevin Gallegos, a vice president for the Freedom Financial Network.
Check your work. The Internal Revenue Service sent out nearly 5 million math error notices to taxpayers in 2011 over their 2010 returns. A bigger than expected refund could be a sign you incorrectly calculated something along the way, particularly if you filled your form out by hand.
Talk to a pro. A tax preparer or financial adviser can help you figure out how to meet financial goals year round while minimizing tax obligations, said Melissa Labant, the director of taxation for the American Institute for Certified Public Accountants. Then, if you still get a refund, you may be in good enough financial shape to spend it.
Invest in Yourself
You can invest in yourself by improving your job skills or seizing new opportunities, says Steve Siebold, author of the 2010 book How Rich People Think. Business seminars, workshops, and coaching and mentoring programs can all help. If those work-education expenses add up to 2 percent or more of your adjusted gross income for 2013, they may even qualify as an itemized deduction.
You could go more formal and take a college class or two. A refund of nearly 3,000$ represents a good part of the cost of an associates degree, Gallegos said. That, in turn, can lead to tax credits for next year. The Lifetime Learning Credit offers up to 2,000$ for an unlimited number of years, while the American Opportunity Credit awards up to 2,500$ per year for up to four years.
Boost Emergency Savings
An American Express survey found that 26 percent of consumers plan to save their refund in 2013. Thats up from 22 percent from 2012.
Its a good idea to have six to nine months worth of
expenses set aside for unforeseen emergencies, said Lule Demmissie, the managing director of retirement at TD Ameritrade.
Most people dont follow that advice. In fact, only 25 percent have six months of savings according to Bankrate.com.
Having a financial safety net in place might help with a one-time issue like an unexpected car repair. It could even keep you afloat if youre laid off and must hunt for a new job. Cunningham says you should keep the money in a savings account or other liquid investment for easy access.
Fund Future Goals
(photo: Stockbyte/Stockbyte/Getty Images)Todays tax windfall might be tomorrows savings if it funds a childs education or your retirement. Contributions to a traditional individual retirement account may be deductible on your 2013 taxes, Demmissie said. That doesnt count for Roth IRAs, but the extra money will help it grow and can be withdrawn tax-free once you reach retirement age. The maximum contribution for 2013 is 5,500$, or 6,500$ if youre 50 or older.
When it comes to education, some 529s and Coverdells have tax benefits depending on what state you live in, Demmissie says. Both have tax-free withdrawals as long as the money goes to qualified education expenses. The IRS caps Coverdell contributions at 2,000$ per year, and 529 plans at 13,000$.
Improve Your Home
If you own your home, a refund could pay for needed maintenance, Gallegos says. That could head off bigger and more expensive problems in the future.
These capital improvements also can sometimes create additional equity, Gallegos said.
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Tel: 416.512.9874No. 667 / April 25, 2013 89
Tel: 416.512.9874No. 667 / April 25, 2013
Neck pain following motor vehicle accident orsport injury INNOVA MEDICAL & REHAB :(905) 884-2121 Whiplash is a relatively common injury that occurs to a person's neck following a sudden acceleration-deceleration force, most commonly from motor vehicle accidents. The term "whiplash" was first used in 1928. The term "railway spine" was used to describe a similar
condition that was common in persons involved in train accidents prior to 1928. The term "whiplash injury" describes damage to both the bone structures and soft tissues, while "whiplash associated disorders" describes a more severe and.chronic condition fortunately, whiplash is typically not a life threatening injury, but it can lead to a prolonged period of partial disability. There are significant economic expenses related to whiplash that can reach 30 billion dollars a year in the United States, including: medical care, disability, sick leave, lost.productivity, and litigation While most people involved in minor motor vehicle accidents recover quickly without any chronic symptoms, some continue to experience symptoms for years after the injury. This wide variation in symptoms after relatively minor injuries has led some to suggest that, in many
cases, whiplash is not so much a real physiologic injury, but that symptoms are more created as a result of potential economic gain. Many clinical studies have .investigated this issue?What causes whiplash Whiplash is most commonly caused by a motor vehicle accident in which the car the person is riding in is not moving, and is struck from a vehicle from behind without notice. It is commonly thought the rear impact causes the head and neck to be forced into hyperextension as the seat pushes the person's torso forward - and the unrestrained head and neck fall backwards. After a short delay the head and neck then recover and are thrown into a hyperflexed .position More recent studies investigating high-speed cameras and sophisticated crash dummies have determined that after the rear impact the lower cervical vertebrae (lower bones in the neck) are forced into a position of hyperextension while the upper cervical vertebrae (upper bones in the neck) are in a hyperflexed position. This leads to an abnormal S-shape in the cervical spine after the rear impact that is different from the normal motion. It is thought that this abnormal motion causes damage to the soft tissues that hold the cervical vertebrae together (ligaments,.(facet capsules, muscles These injuries require proper
assessment and treatment even .when the patient is not in pain Some pain stays dormant since our brain has the capacity to cancel pain level in some cases. However, the destruction below .surface will continue What are the symptoms of?whiplash The most common symptoms related to whiplash include: neck pain and stiffness, headache, shoulder pain and stiffness, dizziness, fatigue, jaw pain , arm pain, arm weakness, visual disturbances and ringing in the ears . In the more severe and chronic case of "whiplash associated disorder" symptoms can include: depression, anger,frustration, anxiety, stressWhiplash and neck basic ercises These are some of the exercises that need to be performed on daily basis to restore some of the motion of affected areas. It is crucial that you visit your healthcare provider for proper assessment and treatment of this injury. At Innova medical & rehab, we have treated whiplash injuries for more than 12 years. If you have been unsuccessful with other methods then call us today.and we will get you betterDr. Farhad Babakhani(Chiropractor (since 2001 Fellow of Canadian chiropracticrehabilitation sciences Fellow of vocationalrehabilitation associationAcupuncture diplomate
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d 9555 Yonge St, Unit 15, Physio Clinic, Richmond Hill.Dr. E. Taebi, www.drtaebi.com T: 05.50.666 [email protected]
Health Link Pharmacy - 05-50-222
KXzH 1 pB 9831Thursday September 23, 2009 Tel: 905-889-2526 Fax: 905-889-389744 44
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