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Last-minute tax tips for filers

2026-04-03T13:01:00

(BPT) – April 15 is quickly approaching, so it’s essential to prepare to file your taxes as soon as possible. While it’s human nature to procrastinate, there are definite benefits to starting now.

One of them is refunds. Last year’s average tax refund was over $3,000, making it the largest check many Americans receive all year. With rising costs putting the squeeze on your budget, there’s no reason to delay receiving your refund. According to a new study conducted by Qualtrics on behalf of Intuit TurboTax, a majority of Americans (69%) say they expect to receive a tax refund this year, and most of those respondents (70%) say they use their refund to cover basic living expenses, like paying rent and paying bills. And due to new tax laws, filers are expected to see an up to $1,000 increase in their refund, providing plenty of motivation to start now.

People who file late and rush to make the deadline may leave out important information — like W-2 and 1099 forms that report your income, or receipts or forms that could provide valuable deductions.

“Many people procrastinate because they don’t know where to start or from fear they may owe,” said CPA and tax expert with TurboTax Lisa Greene-Lewis. “Don’t let the thought of gathering documents or of owing keep you from getting started as soon as possible. By the time you get all the deductions and credits available, you may not owe anything. Plus TurboTax is here to help you.”

Having trouble getting started? The experts at TurboTax offer these tips.

Get your docs lined up

Start gathering documents that report your income, like W-2s and 1099s. If you can’t find documents, ask your employer(s) — it’s probably easier than you think to access copies online. Then collect forms or receipts related to deductions and credits you can claim. With TurboTax you can automatically import your information directly from hundreds of payroll providers and financial institutions.

Decide how to file

Whether you want to DIY, have someone help you along the way, or have an expert fully do your taxes for you virtually or in person, TurboTax can help you. When you DIY with TurboTax, you’re easily guided through your taxes, and TurboTax AI agents can assist you from the start — whether by helping you figure out what docs to gather (one of the main reasons people procrastinate), to automating data entry for over 92% of the tax forms, eliminating manual entry. You can also jump-start your return by snapping photos of your W-2s and 1099s, and the information will automatically transfer to the right forms.

If you want someone to do your taxes for you, contact one of the 13,000 tax experts with an average of 13 years of experience at TurboTax, whether virtually or in person at one of TurboTax’s 20 local retail locations or 600 service centers. If you’re new to TurboTax Full Service, you can have a Full Service tax expert prepare your taxes for a flat $150 through March 31, regardless of complexity, even if you’re self-employed or an investor. If you use TurboTax Expert Full Service, you can talk to a tax expert year-round if you have questions that come up.

Meet the deadline

Doing taxes yourself? Use TurboTax online and e-file with direct deposit, the fastest way to get your refund. The IRS expects to issue refunds within 21 days or less of acceptance of your return.

Running behind? With TurboTax, you can file up until 11:59 p.m. on April 15 and still make the deadline.

Maximize your refund

Make sure you take advantage of new deductions and credits you could be eligible for, including:

  • Deduction for qualified tips up to $25,000
  • Deduction for qualified overtime up to $12,500 ($25,000 for married filing jointly)
  • Child Tax Credit up to $2,200 for each child under 17
  • Increased SALT (State and Local Tax) cap of $40,000, especially if you have high state and local taxes and property taxes
  • $6,000 deduction for seniors 65 and over
  • Deduction for auto loan interest up to $10,000

Don’t forget the most frequently missed credits:

  • Earned Income Tax Credit (up to $8,046 for a family with three kids)
  • Retirement Savers Credit (up to $1,000 single and up to $2,000 married filing jointly)

The IRS reports that 1 out of 5 people miss these credits every year.

Additionally, for those who are self-employed, a business tax expert can also help you navigate the new tax code to maximize deductions and save you money.

File even if you made under the threshold

Every year, the IRS reports over a billion dollars in unclaimed refunds due to people not filing, the majority being students and others who make under the IRS income threshold. If you earned under $15,750 single ($31,500 married filing jointly) this year, you could receive a refund. If you had federal taxes withheld or are eligible for a refundable credit like the Earned Income Tax Credit, you should file so you don’t leave any money on the table.

Benefit from IRA contributions

Have an IRA? You can make a 2025 IRA contribution up to $7,000 ($8,000 for those 50 and over) by April 15 of 2026 and you may be able to deduct the contribution on your 2025 taxes. Make sure to tell the plan administrator the contribution is for tax year 2025.

How to get an extension

Missing important information? You can file an extension with TurboTax or by filling out IRS Form 4868. But remember: This is an extension to file and not an extension to pay if you owe taxes.

How to handle payments

If you owe money to the IRS, pay as much as you can when you file. Then you can contact the IRS for an Installment Agreement, which allows you to pay what you owe over six years.

Safeguard your information

Never share sensitive information with new general public LLMs (Large Language Models) popping up like chatbots or AI searches. TurboTax is built specifically for tax preparation and is designed for accuracy, compliance, reliability and security. TurboTax is also certified by the IRS to prepare and e-file tax returns. Also, don’t share your information with anyone posing as the IRS via phone, email or text. The IRS will only reach out via mailed correspondence.

Learn more and get started at TurboTax.com.

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6 trends shaping backyards this year

2026-04-03T07:01:00

(BPT) – Outdoor living isn’t just a trend; it’s a priority. According to the International Casual Furnishings Association, 77% of U.S. homeowners wish they spent more time outside, and nearly 60% plan to invest in their backyards this year, prioritizing durability and practicality.

“Homeowners want outdoor spaces that deliver style with substance that can stand up to everyday life,” said Jodi Lee, senior vice president of marketing for Trex Company, the world’s #1 brand of wood-alternative decking and railing. “We’re seeing an increased focus on materials built to take on sun, moisture and changing climates, so backyards aren’t just beautiful, they’re built to last.”

Here are six trends set to define outdoor living this year:

1. Micro-Resort Living: Everyday Escapes at Home

Backyards are evolving into resort-style retreats with zones for yoga, dining and entertaining. Outdoor kitchens, ambient lighting, fire features and water elements create a vacation vibe at home. Thanks to low-maintenance, durable materials like Trex composite decking and all-weather furnishings, these outdoor retreats don’t just look like a vacation, they feel like one, too.

A man and woman relax on their wooden deck in the shade of their desert home.

2. Back to Earth: Warm Browns and Mixed Materials

Warm, earthy tones are making a comeback, replacing the cool grays that have dominated for years. Sun-kissed browns add richness and sophistication to any outdoor space. Homeowners are also mixing materials like stone, wicker and metals, and using deck boards of varying widths to create personalized, architecturally interesting layouts.

A wooden deck with outdoor furniture overlooking trees.

3. Climate-Resilient Materials Are a Must

From sun-drenched backyards to moisture-rich coastal settings, homeowners want materials that can stand up to the elements. Composite decking rises to the challenge, offering marine-grade durability and even heat-mitigating properties that keep surfaces cooler under the sun — all while maintaining long-lasting beauty and performance through extreme weather and changing seasons.

Two chairs on a wooden deck next to blue water.

4. Small but Stunning: Maximizing Every Square Foot

Homeowners are embracing smaller, highly curated outdoor spaces that pack a visual punch and deliver maximum functionality. Creative design choices like layered textures, built-in seating and bold color accents can make even a modest patio or deck feel luxurious. Installing an under-deck drainage system, like Trex® RainEscape®, can instantly double outdoor living area by keeping the space under the deck dry and usable as a patio, spa area or fully functional outdoor room.

A deck with an outdoor kitchen under a walkout patio.

5. View-Optimization: Sleek Railing Solutions

Modern railing systems featuring sleek aluminum, cable and glass enhance sightlines while providing durability. These low-profile options allow homeowners to enjoy uninterrupted views without compromising safety or style.

A wooden patio overlooking a hilly forest.

6. Privacy, Please: Fencing and Screens

Privacy is now a design statement. Pergolas, shade screens and low-maintenance fencing create enclosed, personal retreats while maintaining aesthetics. With so many options, privacy features are no longer just functional, they’re design statements helping to transform backyards into personal sanctuaries that are both beautiful and highly livable.

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Across all of these trends, one theme stands out: performance is powering design and giving homeowners more ways to create outdoor spaces that are beautiful, functional and built to last. For more outdoor living ideas and inspiration, visit Trex.com.

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Planning a renovation? Refresh your home with design choices that enhance personal well-being and sustainability

2026-04-02T08:03:00

(BPT) – If you’re refreshing your kitchen or bath, you’re probably looking for upgrades that look great, last for years, provide added functionality, and tread a little lighter on the planet. Kohler offers a surprisingly broad range of solutions — from water-saving fixtures to recycled-material designs — making it easier to build a greener home without sacrificing style or comfort.

Choosing sustainable solutions not only reduces environmental impact but also elevates the ease and functionality of your home, helping support a more balanced and wellness-focused daily routine. Below are ideas for sustainable, wellness-focused additions for your next renovation.

Repurposed for beautiful impact

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Since 2017, Kohler WasteLAB, an innovation incubator within Kohler Co. that transforms repurposed industrial materials into design-forward handcrafted products, has turned byproducts into functional surfaces and home fixtures.

This innovative approach redefines sustainable luxury — embracing imperfection, material authenticity and expressive craft for the modern home with products like these:

  • Transcendence by Kohler WasteLAB x Nada Debs is a stunning tile collection crafted from nearly 100% recycled materials sourced from Kohler manufacturing processes, balancing traditional form, contemporary craft and sustainable innovation. The collection’s new finishes — Emerald and Amber — join the existing Lake and Turquoise palette. The collection is distributed by Ann Sacks and is available in all Ann Sacks showrooms.
  • Kohler WasteLAB Vox bathroom sinks are made using over 70% recycled materials. Rectangular Vox vessel sinks offer a refined, minimalist form for everyday use, with a soft, stone-like surface and durable construction. The sink’s sleek, contemporary design features a deep, symmetrical basin with rounded edges, available in dark gray Ashen or lighter Eggshell.
  • Kohler WasteLAB planters are designed to elevate indoor or outdoor spaces, moving beyond conventional silhouettes with a more expressive, enduring alternative in sculptural form. Each planter basin is molded from 75% reclaimed materials chosen for their strength, texture and visual character, paired with a cast iron stand that naturally develops a rich patina over time. The planters bring nature to any space, which fosters mental well-being and stress reduction.

Water savings with smarter showerheads

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Kohler’s showerheads demonstrate the company’s mission to help people live gracious, healthy and sustainable lives by putting wellness and sustainability at the center of daily showering, along with real-time water savings.

Innovations like the Anthem EvoCycle smart shower system recirculate and filter water in a closed-loop mode, reducing water use by up to 80% while delivering a full, comfortable spray. Meanwhile, the new Kohler Parallel showerhead operates at just 1.25 gallons per minute (gpm) — half the flow of a standard 2.5 gpm showerhead. Parallel’s efficiency uses 50% less water and carries the WaterSense® label, signifying it meets strict EPA standards for performance and reduced water usage.

Improved sustainability and well-being with an upgraded toilet

EPA WaterSense<sup><sup><sup>®</sup></sup></sup> certified Kohler Smart Toilet in modern-style bathroom.” width=”600″ border=”0″></div> <div class=

All Kohler Smart Toilets are EPA WaterSense® certified and operate at 1.28 gallons per flush (gpf) and below.

Veil smart toilets offer an impressive 0.8 and 1.28 gpf dual flush options, meaning homeowners do not have to sacrifice innovation for sustainability. Convenient features include heated seat, nightlight, hands-free opening/closing and automatic flush, plus a touchscreen remote.

Prefer a high-functioning standard toilet with sustainable features? Kohler offers over 80 models that are 1.28 gpf or lower. For example, Kohler Highline 1.0 gpf toilets feature Kohler’s Revolution 360 technology, an advanced flushing system that uses a powerful swirling motion to thoroughly rinse the bowl.

Designed for those who view the home as a foundation for well-being, Kohler Health’s Dekoda seamlessly integrates into the bathroom to deliver deeper awareness of daily health. The device discretely and seamlessly attaches to the toilet and provides insights into hydration, gut health patterns and blood detection, helping homeowners better understand their bodies through the rhythms of everyday life.

Cast-iron craftsmanship that’s built to last

Longevity is one of the most sustainable design principles, and Kohler’s cast-iron products embody that idea. Made in Kohler, Wisconsin, from at least 80% recycled materials, these pieces are exceptionally durable. The Artifacts freestanding bath adds rich color and heritage charm, while the Whitehaven farmhouse kitchen sink brings timeless durability to the kitchen with resistance against chipping, cracking or burning.

Faucets that balance beauty and water efficiency

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A faucet refresh can instantly uplift a kitchen or bath — especially when paired with water-saving technology. Kohler’s Artifacts, Occasion and Components bathroom faucets are WaterSense® certified at 1.2 gpm, combining elegant silhouettes with thoughtful engineering.

For those looking to reduce reliance on single-use plastic bottles, the Aquifer 4-in-1 beverage system delivers instant filtered still, chill, sparkling and near boiling water at the touch of a button. The faucet integrates directly into kitchen design while helping households cut down on waste. Cleaner, better-tasting water can also support hydration, a core pillar of overall wellness.

A one-stop shop for a greener renovation

Whether you’re integrating recycled materials, adopting smart-water technologies, introducing wellness devices that offer peace of mind, or updating fixtures for greater efficiency, Kohler unifies these sustainable solutions under one roof so you can create a harmonious, eco-minded home throughout.

For more ideas and inspiration, explore sustainable options at Kohler.com.

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8 spring cleaning tips that will renew your love for reading

2026-04-01T16:01:01

(BPT) – If you’ve been pulled toward your phone more than your books lately, you’re not alone. According to a new nationwide survey conducted by Atomik Research and commissioned by ThriftBooks, 61% of U.S. adults believe they could maintain a habit of reading just a few pages a day for up to six months. However, 57% say the hardest part of reading is simply getting started.

The good news is you can easily make reading a fun and relaxing daily habit. According to behavioral scientist Jon Levy, a few small changes in your environment can make reading feel easier, cozier and more irresistible with a book-focused spring cleaning.

Here are his top eight tips to refresh your space and bring more books back into your daily life during spring cleaning season.

Start by decluttering your nightstand

Night stand with a book, glass of water and a plant. ThriftBooks suggests decluttering your nightstand.

Your nightstand sets the tone for your wind-down routine, so keep it simple and book-friendly. All you really need is your current bedtime book, a lamp, glasses (if you use them) and maybe a glass of water. Levy also suggests moving your phone out of arm’s reach or better yet, out of the bedroom entirely.

In the morning, you can set yourself up for another successful screen-free night by placing your book on your pillow. This small but powerful trick ensures that your book is the first thing that greets you every night.

Clear the digital clutter from your relaxing spots

Woman moving a stack of books on a coffee table.

Think about the places where scrolling tends to happen, like your couch, bed and desk. These “scroll traps” often turn into mindless phone zones. A simple way to break the cycle is to place books in those spots and set a gentle rule for yourself: read for 10 minutes before you touch your phone.

Create a dedicated reading zone

Woman reading a book while surronded by plants in living room.

Choose one cozy corner — a spot by the window or a nook in the bedroom — and make it your go-to reading spot. Outfit it with a chair, a warm light and the book you’re reading. Make sure to keep it free from clutter and screens so your brain can associate that space with calm and focus.

Set up a screen-free sanctuary

Chair in a cozy corner and book on side table.

Beyond your reading corner, designate one area of your home as a 100% analog zone. Think soft blanket, warm light, a notebook, a book stack and a cup of tea. No screens allowed. As a helpful reminder, keep a little basket nearby where your phone can “rest” while you unwind.

Swap the spots of your phone and book

Coffee cup on the kitchen counter next to a book.

A simple but shockingly effective tip is to put a book where your phone usually lives. On your kitchen counter, for example, place a paperback and move your phone to an inconvenient place, like across the room or into a drawer. When reading becomes the easy option, you’ll naturally reach for it more often.

Let books take center stage

Chair near window and table with book, coffee cup and tablet.

Scatter books in the places you pass through most often, like on the coffee table or by your favorite chair. Be sure to remove visual clutter that competes for attention, like stacks of mail or random gadgets. You can use small cues — like a blanket draped over an armchair, warm lighting or a tray for tea — to create a welcoming vibe.

Keep your setup effortless

Woman in a hammock reading a book.

Reading should feel like a treat, never a task. On low-energy days, make reading effortless with a reading-ready setup. Make sure there’s a blanket within reach, a bookmark handy and books where you can see them. Keep your phone tucked away.

Read in community

Friends with coffee having book club.

You don’t have to build your reading life alone. Support and shared excitement can help keep your reading momentum going long after you’ve decluttered your space.

Consider joining a book club, swapping reads with friends or signing up for a community activity like ThriftBooks’ 500 Billion Page Reading Challenge. This challenge is an invitation for Americans to read more with no deadlines or pressure. All you need to do is read a few pages a day.

“Americans didn’t stop loving books — we just got a bit distracted,” said Barbara Hagen, vice president of marketing at ThriftBooks. “The 500 Billion Page Challenge is about helping people reignite their passion for reading in a way that fits real life. This isn’t about guilt or giving up screens forever. It’s about rediscovering what reading gives us that nothing else does.”

To learn more and join the movement, visit ThriftBooks.com/Challenge.

This spring, rearrange your home and renew your love of reading

Renewing your love for reading doesn’t have to be difficult. Using Levy’s eight tips, you can give your home a spring makeover that encourages you to ditch the scroll for a story. Happy reading!

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Where can you find out if your vehicle has a safety recall?

2026-04-01T07:01:00

(BPT) – Key Takeaways

  • Staying up-to-date on vehicle safety recalls should top every driver’s maintenance checklist.
  • It’s easy to check for open recalls at CheckToProtect.org.
  • An authorized dealership can complete your recall repair at no cost to you.

Just as staying on top of regular oil changes, tire rotations and other essential vehicle maintenance helps ensure driver and passenger safety, it’s vital to make sure your car or truck is recall-free. However, many drivers don’t realize there’s an easy way to check. According to a survey by Stellantis, nearly half (43%) of American drivers don’t know where to find out if their vehicle has an open safety recall.

There’s an easy solution: Any driver can see if their vehicle has a recall by visiting the National Safety Council’s CheckToProtect.org. Whether you’re planning a road trip or just want to be sure your vehicle is safe for you and your family, checking for recalls can give you peace of mind.

How do you check for recalls?

Simply enter or upload a photo of your license plate number or the 17-character vehicle identification number (VIN) into the search tool on CheckToProtect.org. If your vehicle has a recall, you can contact an authorized dealership in your area to schedule a free recall repair.

While it’s especially important for owners of used or older vehicles, or for anyone who changed their address since purchasing their car or truck, all drivers should ensure their vehicle is safe for themselves and their passengers by checking for recalls.

Why do vehicle recalls matter?

Safety recalls may be issued by an automaker when a part stops functioning properly as it ages, or when a group of vehicle owners experience a similar problem. Safety recalls can affect everything from brakes and steering to batteries and airbags.

Research commissioned by automaker Stellantis found that 40% of drivers believe a recall is fine as long as it doesn’t affect a vehicle’s performance. However, while some recalls may not change the way a vehicle drives, they can still present a safety risk. For example, if a recalled Takata airbag deploys in a crash, the airbag’s inflator can break apart, sending shrapnel throughout the vehicle that could severely injure or kill vehicle occupants.

Another example relates to car seat anchors. CARFAX released new data showing that nearly one million vehicles have open safety recalls for child car seat anchors, a critical safety feature that secures car seats firmly in place.

According to CARFAX, as many as 57 million vehicles currently on the road have an unrepaired safety recall — that’s about 1 in every 5 vehicles. Any driver can take the proactive step to check their vehicle’s recall status. This is especially important for those with older, used vehicles or who have changed addresses, because manufacturers may not have updated contact information to notify them of recalls.

40% of drivers believe a recall is fine as long as it doesn’t affect a vehicle’s performance — however, while some recalls may not change the way a vehicle drives, they can still present a safety risk.

FAQs:

Here are answers to commonly asked questions about vehicle safety recalls.

  • Where can I learn about vehicle safety recalls? Check any vehicle for safety recalls at CheckToProtect.org. Enter or upload a photo of the 17-character vehicle identification number (VIN) or license plate number.
  • How do I find a vehicle’s VIN? The VIN can be found on the driver’s side dash, inside the driver’s side door, on registration documents or the automobile insurance card.
  • Where can I get a recall repair? Any authorized dealership will repair vehicle safety recalls at no cost to you, so don’t hesitate to call and schedule an appointment. Drivers don’t need to be a current or former dealership customer to get a free recall repair.
  • How are recall repairs paid for? No matter the age of the vehicle, automakers will cover the cost of recall repairs and parts for dealers. Authorized dealers will always repair a safety recall at no cost to the driver, regardless of whether the vehicle is registered in the driver’s name or if it’s still under warranty.
  • Will dealerships ask for personal information? You don’t need to provide any personal information to get a recall repaired at a dealership. The dealership only needs a way to contact you when the repair is completed.
  • Are recall repairs time consuming? Recall repairs can take as little as one hour. Customers can ask dealers about rideshare vouchers, loaner cars and other transportation services, if needed.
  • Can I check someone else’s vehicle for recalls? You can check any vehicle for recalls with the license plate number or VIN. If you drive a vehicle belonging to someone else, such as an older relative, you can check for recalls and take the car to an authorized dealership for repair, at no cost to you or the vehicle’s owner.

Checking for recalls helps ensure your vehicle is in good condition, so add this simple step to your maintenance checklist. Take charge of your safety today at CheckToProtect.org.

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Your Tax Refund Is at Stake: How to Use AI Safely to Guarantee Accuracy and Maximize Your Money

2026-03-31T13:01:00

(BPT) – As tax filing deadlines approach, many Americans are turning to artificial intelligence (AI) for help. While general-purpose AI tools offer quick answers, financial experts caution that for complex issues like tax preparation, only secure, purpose-built AI trained by human experts can guarantee accuracy and protect sensitive data. Here are four things to keep in mind before you file:

1. The Crucial Difference Between General-Purpose AI and Tax-Specific Expertise

Many consumers think all AI is equal, but general-purpose AI, which scans the open web, lacks the deep, specialized knowledge required for tax compliance, operating as a sophisticated search engine, not a licensed accountant. Unlike these open platforms, Intuit’s AI that powers TurboTax is purpose-built and trained by tax experts specifically for tax preparation.

As Enrolled Agent (EA) Liz Hanley notes, “General AI is a great search engine for tax questions, but it can miss crucial nuances. It might tell a parent all about a credit, but a tax professional knows their income phases it out completely. Without seeing the full picture, that generic AI response is not only inapplicable, it could lead to an incorrect filing.” Only AI-powered financial platforms informed by experts can put a guarantee on their outcomes.

This risk is why the IRS recently shared that “taxpayers should not rely on AI-generated responses to complex tax questions, and they should verify any calculations or information provided by artificial intelligence.”*

2. The Power of AI + HI: Expert Training and Seamless, Trusted Support

AI is a powerful tool for direction, but expert knowledge provides the necessary protection, especially for finances, ensuring you achieve your best possible tax outcome. Human Intelligence (HI) is foundational at Intuit; it is what trains its proprietary AI to be specifically accurate for tax prep, and it is also available as an option for support. Intuit’s Consumer Platform fuses Credit Karma and TurboTax with Agentic AI and human intelligence (AI + HI), using its purpose-built AI to automate the time-consuming heavy lifting while ensuring you have a clear path to human expertise when you need it.

“The future of finance is not about AI versus human experts; it’s about a seamless experience where technology is the catalyst for certainty,” said Mark Notarainni, EVP & General Manager of Intuit’s Consumer Group. “Our consumer platform combines the speed of AI with our unmatched virtual expert network of 15,000 experts to deliver the trust and protection our customers need when the stakes are highest.”

3. Walled Garden: Don’t Risk Your SSN on General-Purpose, Open Platforms

Just because AI is accessible doesn’t mean it is safe for private data. General-purpose AI platforms often use the data you give them to train future versions of the software — putting your sensitive financial information in the wild. You should never input your Social Security Number, bank details or specific income into an open platform. Always look for a secure, encrypted financial ecosystem, like Intuit TurboTax, designed specifically to protect your identity and keep your data private while leveraging our expert-trained AI.

4. Filing Your Way: Expert-Trained AI Supports Every Path

The power of a purpose-built AI extends to every way you choose to file, whether you prefer the self-serve path or want an expert to do your taxes for you. Intuit’s AI is a second brain for its 13,000 tax experts as well as a personalized guide for its DIY filers, ensuring every calculation is deterministic and accurate.

General-purpose AI is a fantastic tool, but for managing money and building wealth, you need a system where Human Intelligence trains the AI, and data security and privacy is of the utmost priority. Integrated AI technology and human expertise can securely and accurately unlock the confidence to make smart financial decisions.

*https://www.irs.gov/newsroom/a-deeper-dive-into-the-dirty-dozen-taxpayers-stay-alert-in-peak-filing-season

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Your Roof, Reimagined — With Owens Corning and Erin and Ben Napier

2026-03-31T12:01:00

(BPT) – When it’s time to replace your roof, what matters most? Some are more focused on the performance and warranty. Others are looking to elevate curb appeal with a new roof color. Whether your focus is on style or durability, Owens Corning ensures you don’t have to compromise on beauty or performance.

That’s why Owens Corning teamed up with Erin and Ben Napier — the husband-and-wife TV hosts and design duo from Laurel, Mississippi — to help educate and inspire homeowners to make confident roofing decisions.

Style + Strength: Erin and Ben Napier’s Guide to Confident Roofing Choices

Erin and Ben bring two distinct perspectives to the roof replacement conversation. Erin, a self-described “roof geek” with a fine arts degree, sees the roof as a bold design element that can transform a home’s curb appeal. She’s passionate about color and how it ties a home’s exterior together. Ben, on the other hand, approaches roofing with a craftsman’s eye for strength and performance. He focuses on how every component of the roof system works together to protect what matters most.

Through their partnership with Owens Corning Roofing, Erin and Ben offer style and design tips to help homeowners make confident, inspired decisions. Here are their top three tips for creating a roof you’ll really love™.

Tip #1: Consider Roof Color to Enhance Curb Appeal

Erin says a home’s roof color is often the most overlooked design element. Coordinating shingles with brick, siding and trim can make a cohesive statement for elevated curb appeal. She encourages homeowners to pay attention to the subtle color tones and hues that give a shingle depth and dimension.

While shingle color might seem simple at first glance, the blend of color granules in each option plays a big role in defining a home’s style. Erin recommends going beyond traditional grays, blacks and browns to explore bolder choices. For example, Evergreen Mist — a new shingle color in the Owens Corning TruDefinition® Designer Duration® line — captures the beauty of a mist-covered garden path with a mix of vibrant greens and blues, earthy tans and soft gray-browns. Other shingles in the TruDefinition® Duration® Designer line offer a range of tones, so homeowners can find the perfect match for their personal style.

Tip #2: Don’t Sacrifice Durability

Ben Napier knows that great design means nothing without lasting performance. That’s why he emphasizes the importance of durability when choosing a roof. The construction of a shingle can dramatically impact how well it protects your home. Owens Corning TruDefinition® Duration® Shingles feature SureNail® Technology — a patented reinforced nailing line engineered with a tough, woven fabric. This innovation improves wind resistance, prevents nail blow-through and delivers outstanding fastener holding power. SureNail® Technology is designed to withstand winds up to 130 mph and provides a triple layer of protection for added durability. Pair these shingles with the Owens Corning Total Protection Roofing System® for a complete system that works together to help protect your home.

Tip #3: Find Your Inspiration

Ben and Erin believe that great ideas often start close to home. Ready to think about your roof differently? Erin suggests taking a drive around your neighborhood to spot colors and styles that catch your eye. Owens Corning calls this Roof Gawking®— and it’s a fun way to discover what you love.

To make the process even easier, Owens Corning offers a variety of design tools and resources to help you feel confident in finding your perfect roof color. Visit www.findyourroofcolor.com for more tips from Erin and Ben and explore options for a roof that’s both stylish and strong.

*Erin and Ben Napier have been paid for their endorsement of Owens Corning Roofing products.

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Nature’s prescription: Why time outdoors is the best medicine

2026-03-30T09:15:00

(BPT) – While modern medicine can do incredible things for the mind and body, sometimes the most powerful “prescription” is to simply step outside. Quality time in nature is an often overlooked way to significantly boost both physical and mental health. Whether you are hiking a local trail, getting your hands dirty in the garden, or simply sitting on a park bench, the fresh air and sunshine can reduce stress, lower blood pressure and enhance your overall mood.

“As we age, maintaining independence often becomes a top priority. The best way to do that is by staying healthy and active. Spending time outdoors is a powerful tool we can use to help do just that,” said Doug Armstrong, vice president, Health Products at AARP Services Inc. “Time outside engages your mind and body, offering a significant boost to your physical and mental health and keeping you feeling your best.”

Fortunately, AARP member benefits provide a wealth of resources to help you take that first step toward a healthier, more active lifestyle while saving money in the process.

Take in the sights

The best way to appreciate nature’s beauty and serenity is with clear vision. Whether you are driving to a park, reading trail markers, or navigating a rocky hiking path, seeing clearly also keeps you safe and confident.

Regular eye exams are a simple but vital way to prevent accidents and catch serious health conditions early. To stay up to date on regular vision checks, AARP members can learn more about vision insurance options with plans that offer access to a large, nationwide network of eye doctors, generous allowances for glasses or contacts, savings on lens enhancements (like progressives and anti-reflective coatings) and more.

AARP members can also explore and enjoy natural destinations more clearly with a new pair of prescription glasses or sunglasses. Members can get 20% off designer frames + 50% off prescription lenses with the purchase of a complete pair of eyewear and 30% off sunglasses at LensCrafters.

Enjoy the sounds of nature

Much of nature’s healing qualities come from the sensory experience — the sound of birds chirping, the rustle of leaves in the wind, or the voices of friends during a group hike. Hearing not only allows you to enjoy your surroundings, but it is also a vital component of staying safe and connected while outside.

With AARP® Hearing Solutions™ provided by UnitedHealthcare® Hearing members have access to savings on hearing aids and hearing care. AARP members can save up to 50% on prescription hearing aids and up to $200 off over-the-counter hearing aids. Members also receive a free hearing exam and consultation, with personalized support through a large nationwide network of hearing providers. No insurance is needed to use the program.

Staying proactive with your hearing allows you to enjoy the subtle cues of the natural environment and remain alert to your surroundings, which is essential for safety during outdoor excursions.

Get moving

A critical benefit of being outdoors is that it encourages physical activity. While being active helps maintain health, you also need to be in good health to stay active. Regular visits with a primary provider can help you feel your best and formulate a plan to stay resilient for years of future adventures.

Oak Street Health provides personalized care for older adults on Medicare, designed to help you stay healthy and independent. AARP members and non-members get same-day/next-day appointments where available, a dedicated care team, and a 24/7 patient support line. Oak Street Health has over 200 primary care doctor offices across 27 states, making it easier to address health concerns before they interfere with your active lifestyle.

Supplement wellness with savings

As we get older, ongoing prescription medications may become part of our daily routine. Saving money on these recurring costs can add up significantly over time, freeing up funds for leisure activities like travel or outdoor gear.

AARP® Prescription Discounts provided by Optum Rx® offers a free prescription discount card that can be used at 66,000 pharmacies nationwide for savings on FDA-approved medications. The program is open to anyone, whether you’re an AARP member or not — but AARP members get additional benefits, including deeper discounts on medications, home delivery, savings for your dependents and more.

For those juggling multiple medication regimens, the Hero Smart Pill Dispenser stores, sorts and dispenses up to a 90-day supply of up to 10 different medications. The connected medication management app helps you manage medication routines, track your supply and understand your adherence. AARP members get exclusive savings on a Hero subscription.

Stay safe outdoors

For those who enjoy solo walks or spending time in the yard, safety is a key consideration. With Lifeline Medical Alert Service members and their families can have peace of mind in the event of an accident or an unexpected situation. Lifeline systems connect you to a trained care specialist with just the press of a button. Members save 15% on medical alert service and get free shipping and activation. You can select the service option that fits your lifestyle and get fast, 24/7/365 access to help when you need it.

Taking small steps like adding a few extra minutes outside each day can have a greater impact on tomorrow. Utilizing these benefits can help make that even easier and allow you to stay a step ahead as you age. For more resources on how to manage your health at home and in the great outdoors, visit aarp.org/benefits.

AARP and its affiliates are not insurers, agents, brokers or producers. AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.

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Progress starts with you: How everyday choices add up this Earth Month

2026-03-30T13:01:00

(BPT) – Key Takeaways

  • This Earth Month, you can make a difference by starting with individual actions.
  • From spending time outside to choosing the right personal care products, change starts with simple actions.
  • Learn more about one company making a difference at www.tomsofmaine.com.

When it comes to the environment and supporting the planet, people often think of big, sweeping changes — climate policy, global emissions, renewable energy. But change doesn’t always start at that scale. More often, it begins with everyday decisions: what we eat, how we support our community and the products we bring into our homes. Individual actions can feel small, but multiplied across millions of people, they become something else entirely.

Here are four ways those everyday choices can make a difference for Earth Month 2026.

First, spend more time outside

Beyond the well-documented effects on mood and stress, time in nature has been shown to shift behavior — making people more considerate of those around them and more likely to take action to protect the environment.

It reflects something intuitive. The more time people spend outside — whether hiking, biking or simply walking through a park — the more invested they become in protecting those spaces.

That mindset also shapes the choices they make at home.

How to think about plastic circularity

Not all plastic is created equal, and not all of it has to end up in a landfill. The concept of plastic circularity is about keeping materials in use for as long as possible, through products designed to be reused, refilled or recycled; and through better systems for recovering them at end of life.

At home, that can look like prioritizing products made from recycled content, choosing packaging that’s designed to be recycled and taking advantage of take-back programs for items your curbside bin won’t accept. Tom’s of Maine builds this thinking into its products with recyclable toothpaste tubes and a free TerraCycle program for hard-to-recycle personal care containers.1

Look beyond labels when choosing personal care products

Personal care products are often bought on autopilot. A quick stop at the store, the same familiar brand tossed in the cart and the decision is done. But sourcing and formulation decisions behind those products have implications.

Tom’s of Maine was founded in 1970, the same year as the first Earth Day. Not a coincidence so much as a reflection of the same shift: the belief that responsible practices weren’t optional extras but the right way to do business. The company’s Stewardship Model guides every sourcing and formulation decision, evaluating not just what an ingredient does but where it comes from and how it gets there.

Take peppermint oil or lavender oil. When Tom’s of Maine refers to a naturally sourced ingredient, it means something that hasn’t changed much from how you’d find it in its original state, removed and concentrated, but otherwise much the same.

“Tom’s of Maine was founded on the idea that personal care shouldn’t come with compromises. We’re thoughtful about every step of the process, starting with where our ingredients come from — choosing only naturally sourced or derived ingredients and leaving out artificial flavors and fragrances altogether,” said Michelle Waring, Steward for Sustainability and Everyday Good at Tom’s of Maine.

We’re thoughtful about every step of the process, starting with where our ingredients come from — choosing only naturally sourced or derived ingredients.

— Michelle Waring
Steward for Sustainability and Everyday Good of Tom’s of Maine

Support organizations doing the work

American Forests, the oldest national forest conservation organization in the country, reforested more than 240,000 acres in 2024 alone. Additionally, their Tree Equity movement has expanded to more than 1,000 U.S. communities, working to ensure everyone has equitable access to green spaces and the benefits trees provide.

Tom’s of Maine is backing that work through a three-year partnership with American Forests, reflecting the brand’s broader commitment to protecting nature for generations to come. Finding an organization with a mission aligned with your values and supporting it — as Tom’s has — is how a personal value becomes collective impact.

Small choices, real impact

Everyday decisions don’t always feel like environmental actions. But collectively, they shape the world around us — and when millions of people make them with intention, progress adds up.

To learn more about Tom’s of Maine’s ingredient sourcing, safety standards and sustainability commitments, visit www.tomsofmaine.com and www.tomsofmaine.com/pages/our-mission.

1 Tube recyclability varies by community; check locally. TerraCycle program participation is limited.

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Unlocking Growth: 4 Savvy Ways Small Business Owners Can Reinvest Cash Back Rewards

2026-03-30T08:01:00

(BPT) – How to use your business credit card rewards as a catalyst for stability, efficiency, and team success

Running a small business means making smart choices about where to invest your resources. Sometimes, the most overlooked opportunities are right in your wallet. Today’s business credit cards do more than process payments. They help entrepreneurs manage expenses, streamline daily operations and turn everyday purchases into valuable rewards.

With so many competing priorities, like covering day-to-day expenses, investing in growth, supporting your team and preparing for the unexpected, finding extra funds can be an ongoing challenge. That’s why it pays (literally) to look at cash back rewards as more than just a bonus. When you treat those rewards as a tool for reinvestment, you give yourself the flexibility to support your goals, fuel growth and build a stronger business.

Knowing where you spend most can help you earn more cash back. If your spending is spread out or you want something simple, a card that always offers 1.5% or 2% cash back on all purchases lets you earn rewards without tracking categories. For example, if you spend $2,000 a month and your card offers 1.5% cash back, you could earn about $360 in one year. If you want to maximize your cash back, look for a card that offers extra cash back in the places you shop most. If you often dine out with clients, shop at office supply stores or pay for business services like internet or phone, a card with bonus rewards in those areas can help make the most of your cash back. For example, spending $2,000 a month at an office supply store with a card that pays 5% cash back in that category could earn $1,200 in a year. Doing the math upfront helps bring to life the real impact rewards can have on your bottom line.

“Cash back rewards can be a meaningful resource for small business owners,” said Jenny Shum, General Manager of Small Business Card at JPMorgan Chase. “When used strategically, they can help bridge cash flow gaps and can be invested in people and tools that drive long-term growth.”

Consider these proactive ways to reinvest your cash back rewards and maximize every dollar:

1. Smooth Out Cash Flow Gaps

Cash flow rarely follows a predictable pattern in business. Seasonal dips in sales, delayed client payments or unexpected expenses — like equipment repairs or supply shortages — can create stressful gaps between outgoing payments and incoming revenue. These shortfalls can make it difficult to cover payroll, pay vendors on time or keep inventory stocked, potentially putting business relationships or daily operations at risk.

Using your business credit card’s cash back rewards allows you to add a layer of financial flexibility that helps your business weather the ups and downs. Instead of cashing out rewards for nonessential purchases, consider using them to offset other expenses. Some owners set aside accumulated rewards as a miniature rainy day fund, ready to deploy the moment a cash crunch arises.

“Using cash back to cover unexpected expenses is one of the smartest ways to put rewards to work,” Shum said. “It turns your card into a valuable tool for keeping your business running smoothly and with greater peace of mind.”

2. Invest in Digital Tools and Automation

Small businesses are increasingly turning to technology solutions to stay competitive, streamline operations and serve their customers more effectively. While many owners recognize the benefits of digital transformation, the costs of new tools can feel daunting.

With Chase Ink business credit cards, you can earn cash back on everyday purchases and then use those rewards to offset the cost of essential business tools like accounting software, customer relationship management (CRM) platforms or online marketing services that help your business grow.

These rewards can go even further when invested in digital solutions that streamline operations and expand your reach. For example, a robust CRM platform makes it easier to track customer interactions and personalize communications, which drive repeat business. Investing in digital advertising allows you to target your ideal customers, promote special offers and boost brand awareness across popular channels. Putting your rewards toward these tools can save you money while making your business more efficient and competitive.

By reinvesting rewards into digital solutions, you save money while positioning your business for long-term growth. Even $500 in cash back could offset the monthly cost of a CRM tool or pay for two weeks of digital ads that drive new customers.

3. Boost Employee Morale and Retention

Retaining top talent remains a challenge for business owners of all sizes. High turnover disrupts productivity and adds to costs, making it crucial to invest in your team. Many business owners use cash back rewards to create meaningful moments for their staff, turning everyday spending into opportunities for recognition.

Use rewards to offset other costs that allow you to fund employee bonuses, team lunches or professional development workshops. Some owners also invest in wellness initiatives or appreciation gifts that show their team members they are valued. This isn’t just a “nice to have” — it’s a smart business move. According to Gallup’s 2024 State of the Global Workplace report, companies with high employee engagement continue to outperform peers in profitability and retention. Ultimately, prioritizing morale and employee experience can have an outsized impact on your bottom line, especially in today’s competitive labor market.

“Your people are your greatest asset,” Shum said. “Using cash back rewards for recognition or professional development isn’t just a nice gesture. It increases retention, engagement and productivity, all of which matter in today’s labor market.”

4. Offset Insurance and Fixed Business Costs

Running a business means managing recurring expenses like insurance premiums, software subscriptions, licenses and utilities. These essential costs can add up quickly and put pressure on your cash flow, especially during slower months. Using cash back rewards to offset fixed expenses eases your operating budget and frees up funds for growth or emergencies.

This approach ensures you stay current on important obligations while making the most of every dollar your business earns. Redirecting cash back rewards toward these predictable costs is a proactive way to keep your finances balanced and your business resilient.

Growth and Stability Go Hand in Hand

By treating cash back rewards as a resource for reinvestment, you can strengthen your financial foundation, empower your team, and stay competitive — whether you use rewards to manage short-term expenses, invest in marketing and digital upgrades, or recognize your employees.

Ultimately, the way you use your business credit card cash back rewards can make a real difference in your company’s future. Business credit cards like Chase Ink are designed to give you more ways to earn and redeem cash back rewards, helping you reinvest in your company’s future and keep your business moving forward.

With a thoughtful, strategic approach, you ensure that each reward dollar brings your business closer to its goals. When you view cash back as an opportunity, not just a perk, you put your business on the path to sustainable growth and long-term success.