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The April 17 tax filing deadline is less than a month away, so if you haven't submitted your return, it's time to get moving.But that's no reason to rush through it.Whether you decide to go it alone or hire a tax preparer to help, make sure you avoid these costly mistakes.1. Making careless errorsBlame it on fat fingers, deadline pressure or plain carelessness, technical errors like the wrong Social Security number, name misspellings or a simple math error can cause problems and delays with your return.Tax software programs can flag errors like this, but every filer should still pay close close attention when reviewing their returns before sending them in, particularly pen-and-paper filers.2. Using the wrong filing statusThere are five filing options: single, married filing jointly, married filing separately, head of household and qualifying widow/widower with dependent child.Choosing the right status is important as it affects how much you pay in taxes. For instance, filing as head of household provides more benefits than married filing separately, explained Mark Steber, chief tax officer of Jackson Hewitt Tax Services.3. Forgetting to report incomeUncle Sam needs to know about all your sources of income last year: your salary, side-hustle cash, retirement withdrawals and gambling winnings. All of it.So don't leave anything out. If you get caught with unclaimed income, you could get hit with major penalties.4. Hiring a pro when you can DIYSome people have very complicated tax situations where an expert needs to be brought in. But many Americans have simple filings that might not require professional assistance, the experts said.If you have an adjusted gross income of ,000 or less, check if you can file your federal taxes for free using the IRS's Free File software options.5. Not taking all eligible deductionsDon't leave money on the table or pay more in taxes than you have to.Take the time to figure out which credits and deductions you're eligible for to reduce your tax liability and get as much back as possible. The IRS isn't going to tell you if you missed a valuable credit you could have claimed, said Steber.The Earned Income Tax Credit, for example, is commonly overlooked, with about one in five eligible taxpayers missing out on it, according to H&R Block. It's a sizeable credit with an average amount of more than ,400.6. Being disorganizedTax forms tend start rolling in at the start of the year that detail your sources of income.Some forms will come in the mail, while others can be retrieved electronically. Just be sure to collect them all before you file.Lisa Greene-Lewis, a CPA and tax expert from Turbo Tax, suggested keeping a folder by your mail so you can instantly drop the paperwork in and keep everything in one place.It's also helpful to keep an updated log throughout the year for things like mileage and charitable donations that you plan to claim on your return.7. ProcrastinatingTax season comes every year, there's no escaping it.While the actual deadline may vary (read why here), you know you have to send in your taxes every April. Yet many Americans scramble to get their returns in.By waiting until the last minute, you increase your risk of mistakes.8. Not filing a returnNot everyone has to file a tax return. But even if you don't have any tax liability, it could be in your best interest to file anyway.The IRS will only issue refunds to filers. So if you had too much federal taxes withheld from your paycheck or are eligible for other credits, you have to file a return to get the money.Earlier this month, the IRS said it had .1 billion in unclaimed federal income tax refunds for around 1 million people who didn't file a tax return in 2014.  3747

Sticking to a normal daily rhythm -- being active during the day and sleeping at night -- can have more benefits than you might expect.A new study found that it is linked to improvements in mood and cognitive functioning as well as a decreased likelihood of developing major depression and bipolar disorder.The study, published Tuesday in the journal The Lancet Psychiatry, looked at disruptions in the circadian rhythms -- or daily sleep-wake cycles -- of over 91,000 adults in the United Kingdom. It measured these disruptions using a device called an accelerometer that is worn on the wrist and measures one's daily activity levels. The participants were taken from the UK Biobank, a large cohort of over half a million UK adults ages 37 to 73.The researchers found that individuals with more circadian rhythm disruptions -- defined as increased activity at night, decreased activity during the day or both -- were significantly more likely to have symptoms consistent with bipolar disorder or major depression. They were also more likely to have decreased feelings of well-being and to have reduced cognitive functioning, based on a computer-generated reaction time test.For all participants, activity levels were measured over a seven-day period in either 2013 or 2014, and mental health proxies such as mood and cognitive functioning were measured using an online mental health questionnaire that participants filled out in 2016 or 2017."It's widely known that a good night's sleep is a good thing for well-being and health. That's not a big surprise," said?Dr. Daniel Smith, professor of psychiatry at the University of Glasgow and a leading author on the study. "But I think what's less well-known and what comes out of this work is that not only is a good night's sleep important, but having a regular rhythm of being active in daylight and inactive in darkness over time is important for mental well-being."The findings were found to be consistent even when controlling for a number of influential factors including age, sex, lifestyle, education and body mass index, according to Smith."I think one of the striking things that we found was just the consistency in the direction of our association across everything we looked at in terms of mental health," Smith said.Daily circadian rhythm is controlled by a collection of neurons in an area of the brain called the hypothalamus. The hypothalamus helps regulate a number of important behavioral and physiological functions such as body temperature, eating and drinking habits, emotional well-being and sleep, according to the?National Institute of General Medical Sciences.The findings are consistent with research indicating a link between sleep disruptions and mood disorders. A 2009 study, for example, showed that men who worked night shifts for four years or more were more likely to have anxiety and depression than those who work during the day.However, the new study is the first to use objective measurements of daily activity and is among the largest of its kind, according to?Aiden Doherty, senior research fellow at the University of Oxford, who was not involved in the research."This study is the first large-scale investigation of the association of objectively measured circadian rhythmicity with various mental health, well-being, personality and cognitive outcomes, with an unprecedented sample size of more than 90 000 participants," Doherty wrote in an email."Previous studies have been very small (in just a few hundred people), or relied on self-report measures (asking people what they think they do). ... However, this study used objective device-based measures in over 90,000 participants; and then linked this information to standard measures of mood disorders, subjective well-being, and cognitive function," he added.The findings have significant public health consequences, particularly for those who live in urban areas, where circadian rhythms are often disrupted due to artificial light, according to Smith."By 2030, two-thirds of the world's population will be living in cities, and we know that living in an urban environment can be pretty toxic to your circadian system because of all the artificial light that you're exposed to," Smith said."So we need to think about ways to help people tune in to their natural rhythms of activity and sleeping more effectively. Hopefully, that will protect a lot of people from mood disorders."For those who struggle to maintain a consistent circadian rhythm, certain strategies -- such as avoiding technology at night -- have proven to be an important part of good sleep hygiene."Not using your phone late at night and having a regular pattern of sleeping is really important," Smith said. "But equally important is a pattern of exposing yourself to sunshine and daylight in the morning and doing activity in the morning or midday so you can actually sleep properly."Based on the observational nature of the study, the researchers were unable to show causality, meaning it is unclear whether the sleep disturbances caused the mental health problems or vice versa."It's a cross-sectional study, so we can't say anything about cause and effect or what came first, the mood disorder or the circadian disruption," said Kristen Knutson, associate professor of neurology at Northwestern's Feinberg School of Medicine, who was not involved in the study."And it's likely they affect each other in a circular fashion," she added.The researchers also looked exclusively at adults between age 37 and 73, meaning the results may not apply to younger individuals, whose circadian rhythms are known to be different than those of older adults, according to Smith."The circadian system changes throughout life. If you've got kids, you know that very young kids tend to be nocturnal," Smith said. "My suspicion is that we might observe even more pronounced effects in younger samples, but that hasn't been done yet, to my knowledge."But the study adds more credence to the idea that sleep hygiene -- including maintaining a consistent pattern of sleep and wake cycles -- may be an important component of good mental health, according to Smith."It's an exciting time for this kind of research because it's beginning to have some real-world applications," Smith said. "And from my point of view as a psychiatrist, I think it's probably under-recognized in psychiatry how important healthy circadian function is, but it's an area that we're trying to develop." 6496

STURGIS, Mich. — If you’re not a cat person, keep reading.Ron Williams of Sturgis turns 85 in September. Not too long ago, to keep him company, a friend brought him a boy cat named Fluffy.Over the first few weeks they had together, Williams says he and Fluffy hit it off right away.“I looked at him and hey, I just fell in love with him,” said Williams.As it’s safe to say we all do with our pets, Williams talked to Fluffy quite a lot. When the senior got calls on his cellphone, he’d joke around with Fluffy then too.“The phone would ring, and I would say ‘ring-a-ding,’” said Williams. “And I didn’t know he’d pick up on it.”Then, a few days ago, Williams slipped and fell getting out of the shower. He couldn’t move.“My arm was pinned under me, and the hours kept going by,” said Williams. “16 hours…”From roughly 8 a.m. until midnight later that day, Williams laid in agony. The door was closed, and his Life Alert was in the other room on the charger. His phone was in the bathroom with him, but just out of reach on the counter.Lucky for Williams, Fluffy was in the room too. And whether or not he knew it, he’d been training Fluffy for this moment accidentally.“So I said ‘ring-a-ding Fluffy, you’re my only hope,’” Williams said, tearing up. “And he was. It wasn’t even five minutes later I felt something hit my hand. And I’m here because of it.”The cat had brought Williams his phone and he was able to dial 911.“I relive it a million times. What if he wouldn’t have been in there with me? I’d be dead today,” he added.Now Williams, who served with the U.S. Army in Korea, is fine – left only with some soreness and bumps and bruising. Compared to the alternative, he knows he’s lucky.“He’s my hero, and he always will be,” said Williams. “He’ll never be away from me until the day I die.”This story was originally published by Doug Reardon at WXMI. 1868

SunTrust says a former employee may have tried to print information on about 1.5 million customers and share it with a "criminal third party."Chairman and CEO William Rogers Jr. made the announcement Friday as the regional bank released its quarterly earnings.Rogers said the bank believes the information included names and account balances, but not Social Security numbers, account numbers or passwords. He also said the bank has not identified "significant fraudulent activity" on the accounts.Rogers said this was discovered "in conjunction with law enforcement." He did not identify or elaborate on the criminal third party.SunTrust is the 12th-largest US commercial bank by assets, according to the Federal Reserve. The stock was down 3% in premarket trading after the announcement.  802

The Big Ten Conference announced on Wednesday that they would start its football season, which consists of 10 in-conference games, on Sept. 5.In a news release, the conference released the schedule for the upcoming season, with games slated to end on Nov. 21 to align with academic calendars.Conference officials also set out parameters on the medical protocol as the landscape of the coronavirus pandemic continues to unfold.“Our institutions are committed to taking the necessary measures to facilitate a safe return to campus for our students this fall,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President in the press release. “Since the beginning of the pandemic, we have prioritized the health and safety of our students. Their welfare is paramount and remains at the forefront of all of our decisions. Today’s announcement, though subject to local, state and federal public health guidelines, provides a path forward for Big Ten student-athletes to return to competition based on comprehensive, conference-wide medical policies and protocols established by the Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee. We will continue to evaluate the best available information and advice from public health officials as we make decisions and necessary adjustments going forward.”Conference officials said the 10 conference-only games would be played over 12 weeks. 1482