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https://preservewm.com
We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.
** Your Money
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When are my taxes due?
The IRS automatically extended the 2019 tax return filing deadline from April 15 to July 15, 2020. For some, that still wasn't enough time to collect all the information needed to prepare a return. For those folks that filed an extension, that deadline has arrived. It's this week: October 15, 2020.
And, if you always wondered why there is a line at the post office on tax day, it's because the penalties for late taxes are pretty steep! Late-filing penalties can mount up at a rate of 5% of the amount due with your return for each month that you're late. If you are more than 60 days late, the minimum penalty is $100 or 100% of the tax due with the return, whichever is less.
There are no penalties if you are entitled to a refund but don't expect any interest earned on your "loan" to the IRS. Owing too much could also be a problem. Right-size your withholdings with the IRS Estimator Tool (https://www.irs.gov/individuals/tax-withholding-estimator) . Another user-friendly tool is the IRS YouTube Channel where you can watch exciting videos like this one on Estimated Tax Payments (https://www.youtube.com/watch?v=7PWcQGMdvP8&feature=emb_logo) .
Of course, any respectable tax advisor would keep you in good graces with the IRS. If you need a referral or help vetting one, just let us know.
** Your Life
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October 15 – December 7 is open enrollment for Medicare Part D.
During this time each year, you can do initial sign-up or drop and switch your plan coverage for medications. Don’t ignore this. It could save you a significant amount of money. Focus on choosing the plan that covers your current regular medications. Companies change coverages for medications all the time. Being aware is critical to keeping your out-of-pocket expenses as low as possible.
6 tips for choosing the best Medicare drug coverage for you (https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage/6-tips-for-choosing-medicare-drug-coverage)
by Medicare.gov
Find your Medicare Part D plan in your area (https://www.ehealthmedicareplans.com/v2?type=MD&allid=EHM39972#/)
by eHealth Medicare
https://www.linkedin.com/in/danheth/
https://www.linkedin.com/in/rosalynn-harvey-heth-mpa-ceps-3a3aa3191/
** Complexity Simplified
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Every year, I strive to read, at least, one book a month. Inevitably, the year goes by and I am sadly lacking in my book reading resolution. So, I was thrilled to discover Audible (https://www.audible.com/) .
It’s perfect for when you just don’t have time to sit and read through a good book. Audible is a subscription-based audiobook platform owned by Amazon. There are no commitments, and you can cancel at any time. All titles purchased with credit or discounts are yours to keep forever. Also, you can exchange your audiobook if you are unsatisfied for any reason. There is a free 30-day trial period for Audible Plus and Audible Premium Plus. Now, you can listen to good book as you take a walk, go for a drive, or relax.
Here are all the other membership tiers:
* Audible Plus - $7.95 per month. Offers unlimited listening to select audiobooks, Audible Originals, podcasts, and more. No credits.
* Audible Premium Plus – $14.95 per month. This includes 1 credit (2 credits for Prime members), good for any premium selection title you like and 30% off all additional premium selection titles.
* Audible Premium Plus 2 credits – $22.95 per month.
* Audible Premium Plus Annual 12 credits - $149.50 per year.
* Audible Premium Plus Annual 24 credits - $229.50 per year.
** Trivia
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A: 1984
Q: In a game of bingo, which number is represented by the phrase “two little ducks”?
https://www.youtube.com/watch?v=kxRpq_6kjg8
** This got us all singing out loud
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