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Starting a PCS fund: As any experienced military family knows, there are a wealth of costs (many hidden) that come along with PCSing. A great way to handle this is to set aside funds in a dedicated account that can be called on when the “time comes.” Paying down any high-interest debt: If your family has any consumer debt, especially high-interest debt, this can be an excellent opportunity to pay it down or even eliminate it. It may be of interest to know that research finds that completely paying off a debt, even if it is small and not the one with the absolute highest interest rate seems to motivate people to keep going to eliminate more debt. Plumping up the retirement fund: Take this opportunity to increase contributions to your TSP account or to start or increase contributions to a Roth or traditional IRA (especially important for spouses who may not be working full-time or at all). Be aware that there is an annual limit for both TSP and IRAs. Ensuring your emergency fund is on track: While most people know they “should have” an emergency fund available for unexpected expenses or problems, “should have” and “actually have” are two different things. Even $200-500 is a great start, but 3-6 months of living expenses should be the ultimate goal. Investing in home repair or maintenance: If there’s something that needs to be done that you’ve been putting off, now may be the time. But consider practicality and return on investment (that is, think roof repairs, not hot tub). By Carol ChurchWhen tax season rolls around, most of us feel a bit nervous as we do the final calculations (or have someone else or a computer do them!) It usually feels good if we see that in the end, we don’t owe the government anything, and in fact will receive a refund. I don’t know about you, but I certainly enjoy getting checks in the mail!Photo by stevepb via Pixabay.com Public Domain CC0Once that money hits the bank account, however, it can be tempting to see it as “free money” or a mysterious “bonus” instead of what it really is—your hard-earned money that you just didn’t get at the time. But rather than viewing a refund as pennies from heaven, experts advise taking this opportunity to catch up on financial goals that may have gone unmet for the rest of the year. Some suggestions include: Of course, there’s another discussion to have here, and it’s about receiving large refunds, period. Most of us may have heard that receiving a refund is equivalent to “giving the government an interest-free loan.” There is, of course, some truth to this statement. With the average refund clocking in at about $3,000, that’s quite a bit of money that is not coming home in people’s regular paychecks. At the same time, it’s definitely an unpleasant surprise to owe money at tax time.In a perfect world, we’d probably all be best off receiving a small refund. $500 or less might be good. It can be hard to hit this goal, especially for military families who may have somewhat unpredictable incomes. However, one very simple step is to make sure that withholding reflects the correct family situation and number of dependents. The IRS withholding calculator may be of assistance. It can also be useful to speak with the volunteers at the Volunteer Income Tax Assistance (VITA) program and see what they advise as far as number of deductions.ReferencesHorrell, K. Rethink Your Big Tax Refund Retrieved from https://www.military.com/paycheck-chronicles/2016/02/23/rethink-your-big-tax-returnInternal Revenue Service. (2015). Tax Refunds Reach Almost $125 Billion Mark; IRS.gov Available for Tax Help. Retrieved from https://www.irs.gov/newsroom/tax-refunds-reach-almost-125-billion-mark-irsgov-available-for-tax-help
In a partial response to the appeal by the Manipur Chief Minister N. Biren Singh, oil tanker drivers in the state resumed duty on Wednesday. However they demand lifting of fuel from Assam to ply along the Highways.Government circles are hopeful that the striking drivers shall start lifting fuel soon.Mr. Singh had assured full protection to the drivers during a meeting with the representatives of the drivers and transport agencies on Tuesday. The drivers went on a ceasework strike soon after the ambush of three oil tankers in Kangpokpi district along NH 2 on April 30. Apart from providng adequate security to the driverss, the Cheif Minister offered to start an emergency helpline, ex-gratia apart from a government jobb, to the family members of those who get killed in the militant attacks.A life insurance policy for the drivers with the premium being footed by the government was also assured by Mr. Singh.Though the police had arrested a few Kuki Revolutionary Army militants, the People’s War Group of the Kangleipak Communist Party, a proscribed outfit owned responsibility for the two ambushes along NH 2.
LOOK: Joyce Pring goes public with engagement to Juancho Triviño Don’t miss out on the latest news and information. Purefoods team manager Alvin Patrimonio.ANTIPOLO CITY—It took a while before Magnolia Hotshot again the felt the weight of the trophy in their hands.But that long and arduous trek to back to the top of the PBA only made the 2018 PBA Governors’ Cup championship sweeter for Alvin Patrimonio and his longtime team.ADVERTISEMENT “I think it’s the timing of this all,” said Patrimonio. “This is a blessing from God, and we’ve waited so long for this. But the guys, the coaching staff worked hard for this and the management had the patience.”Sports Related Videospowered by AdSparcRead Next Carlo Biado makes World 9-Ball Championship quarterfinals Trending Articles PLAY LIST 00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:27Filipino athletes get grand send-off ahead of SEA Games02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss View comments Lacson: 2019 budget delay due to P75-B House ‘insertion’ TS Kammuri to enter PAR possibly a day after SEA Games opening Magnolia Hotshots celebrate the end of their title drought. Photo by Tristan Tamayo/INQUIRER.netPatrimonio, a four-time MVP who remains the face of the Purefoods franchise years removed from his heyday, has been managing the team since mid 2000s and saw the Hotshots go from one of the most dominant to one of near obscurity.From a rare Grand Slam in 2014, just the fourth time the coveted title sweep was completed in the PBA, Magnolia went on a drastic dive after head coach Tim Cone was sent to save Barangay Ginebra.Cone was able to lead the Gin Kings to three titles from 2014 until including the 2018 Commissioner’s Cup while the Hotshots used that time to find their groove and recover from the stumbles of former head coach, now assistant, Jason Webb.Webb, a beloved deputy in the Hotshots’ bench, struggled as lead coach accumulating a sorry record of 11-22 before Victolero got hired to right the ship and lead the team to third-best 23-10 card in the 2016-17 season.And it’s this struggle that made the journey better to watch for Patrimonio.ADVERTISEMENT Hotel management clarifies SEAG footballers’ kikiam breakfast issue SEA Games: Biñan football stadium stands out in preparedness, completion As a player, the Captain led the franchise now known as Magnolia to its first six PBA titles then witnessed the team win eight more championships as his role as team manager.Used to winning his entire career, Patrimonio knew exactly how good it felt for the Hotshots to finally exorcize their demons and vanquished Alaska in six games to their first crown since the Grand Slam in 2014.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSUrgent reply from Philippine football chief“This is sweet because it’s been four years in the making and we had a lot of trials, a lot of challenges, and a lot of changes in the team,” said Patrimonio after Magnolia’s 102-86 Game 6 win Wednesday at Ynares Center here.“I’m just amazed with how this team played,” he added. LATEST STORIES SEA Games: Biñan football stadium stands out in preparedness, completion Private companies step in to help SEA Games hosting Is Luis Manzano planning to propose to Jessy Mendiola? MOST READ
FULL-TIME | Shan United FC (MYA) 0-5 Ceres Negros (PHI)@CeresNegrosFC locks in the top spot in Group G with 1 more match to play after a strong away win against Shan United! #SHNvCER #AFCCup2019 pic.twitter.com/0OeA3VliEt— AFC Cup (@AFCCup) May 1, 2019ANGON – A glittering attacking display propelled Ceres Negros to a comprehensive 5-0 victory over Shan United and into the knockout stage of the AFC Cup.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logisticsSpanish striker Bienvenido Maranon continued his fiery form with a second hattrick in the group stage as the Busmen rolled past the Myanmar National League side on a rainy Wednesday afternoon at Thuwunna Stadium here.ADVERTISEMENT Hontiveros presses for security audit of national power grid The last time Ceres entered the knockout phase as group winner, the Busmen went all the way to the inter zone semifinals after claiming the Asean zone title.Photo from AFC-Cup.com“I thought we had a brilliant group stage and now it’s time for the players to enjoy this (win),” said Ceres coach Risto Vidakovic. “We have a lot of room to improve, but we have to take it game by game.”The Busmen made what seemed like a tough group look easy, sweeping past Indonesian champion Persija Jakarta and Shan in both home and away legs and also beating Vietnamese powerhouse Becamex Binh Duong in Ho Chi Minh City.Ceres has one match left in the group stage against Becamex at Panaad Stadium on May 15.Relentless from start to finish, the Busmen were actually denied by the frame of the goal three times before Maranon found the breakthrough in the 38th minute. Bosnian striker Maher Karic played in Maranon who fired past Thitsar Min at his near post.ADVERTISEMENT Duterte wants probe of SEA Games mess SEA Games hosting troubles anger Duterte MOST READ LATEST STORIES Andy Ruiz Jr. replaces Miller as opponent for Anthony Joshua Private companies step in to help SEA Games hosting Philippine Arena Interchange inaugurated Cayetano: Senate, Drilon to be blamed for SEA Games mess The second goal came five minutes later after Mike Ott was fouled in the area. Maranon converted from the spot as the Busmen went into the break with a comfortable two goal cushion.Sports Related Videospowered by AdSparcRead Next Don’t miss out on the latest news and information. DA eyes importing ‘galunggong’ anew Trending Articles PLAY LIST 00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:27Filipino athletes get grand send-off ahead of SEA Games02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Panelo: Duterte ‘angry’ with SEA Games hosting hassles Carlie De Murga and substitute OJ Porteria also found the back of the net as Ceres kept its perfect record to reach the Asean zonal semifinals as Group G winner. View comments
zoom Amid the recent developments in South Korea, cruise giant Royal Caribbean has decided to cancel calls at the country’s ports on its China-based voyages, the company said in an alert on its Chinese site.The calls are related to the itineraries of the Quantum of the Seas, Mariner of the Seas and Ovation of the Seas up to June, 2017 with calls in Busan, Jeju and Seoul, Korea replaced by those in Japan.In addition, Carnival’s Costa Cruises is cited by Reuters as saying that it would “remove calls to South Korean ports for our upcoming cruises home ported out of China, replacing them with cruising at sea or calls to destinations in Japan.” The move was triggered by South Korea’s deployment of Terminal High Altitude Area Defence (THAAD) missile system in cooperation with the United States, which Beijing believes is targeted against China, and not as a means of keeping nuclear threats from North Korea at bay.World Maritime News Staff