The only thing that is certain in life is death and taxes. Additional certainties that should be added to that list are the fact that people who file on their own may not be maximizing their refund potential. Like people who don’t file taxes because they don’t make enough to meet federal threshold standards. They may also qualify for refunds too. I myself didn’t realize when I was a working...

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When I write, I try not to come off as judgmental or holier-than-thou. I just try to relate the benefits of my experience in a way that will be educational. I have wasted money in my life. Really, who hasn’t? When money is burning a hole in your pocket, its easy to rationalize or justifying making questionable purchases. I had a sandwich press that I was very fond of once. It created a bordered...

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I have travelled to a lot of places. So far, I have yet to visit South America and Africa. Those are two regions that are on my travel bucket list. I have been to Australia, Canada, Denmark, Iceland, France, the Czech Republic, England, Germany, Belgium, Japan, the Philippines, and American Samoa. I had sincere intent to teach ESL in Guatemala for a few months some time ago, but those plans fell through. I...

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I am all for organic food, farmer’s markets, and healthier living. Most foods of convenience are full of preservatives, calories, sugar, or trans fatty acids. I would rather reach for a hamburger than steamed vegetables, but I am getting better at it. Now I find myself in the conventional versus organic dilemma. Should I pay more for organic food that decays fasters and costs more than conventional...

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